23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened my Citi checking account under a promotion that said you would receive XXXX XXXX XXXX XXXX miles for fulfilling certain terms. I completed terms immediately ( spend at least {$400.00} on your Citibank debit or ATM card within 60 days of account opening and download the Citi XXXX app and log into your new account ) and then was supposed to receive miles 90 days after completing activities. I should have received the miles on XX/XX/XXXX, but Citi randomly closed the account on XX/XX/XXXX without my authorization and then denied my dispute for the promotion because they said my account was closed ( they also cited incorrect promotion requirements in the denial letter ). On top of this, they charged my a {$25.00} on XX/XX/XXXX and then closed my account a day later on XX/XX/XXXX. They said they couldn't refund me the monthly fee because the account was closed. But this seems pretty ridiculous, to close my account a day after the fee being charged and then saying i can't get refunded because the account is closed. 

Also! My husband opened an account under the exact same promotion, did the exact same things I did to meet the requirements, and he was able to get the promotional miles and the first monthly fee refunded as they never closed his account without permission. This is infuriating that a bank that took bailout money ( taxpayer money ) could then just take money from me like this.
Product: Debt collection

Midland Credit Management continues to harass both myself and my family members about a Debt that they refuse to send a debt validation letter to. I have contacted Midland Credit management requesting that they send me a debt validation letter and they refuse to send me a copy of the letter, when i spoke to an agent she was extremely disrespectful and told me a letter was sent out at the beginning of XXXX which i did not receive when asking for them to send me another copy of the debt validation letter as i let her know i did not receive it she refused to send one.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and account listed in my report were inaccurate. I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these items continues to be sent around and affecting my credit. The credit bureaus didn't do anything to correct the items listed below : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of XXXX XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I tried to order my free consumer credit report from Experian. Experian 's website rejected my attempts to sign in and gave no reason for the rejection. Experian 's report was used to reduce my available credit from a financial institution.
Product: Credit reporting or other personal consumer reports

To the Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against Equifax for its failure to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ). Equifax has neglected to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved despite the evidence I provided. 

Recently, the CFPB filed a lawsuit against Equifax, citing systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and inadequately notifying consumers of dispute outcomes. My experience aligns with these concerns, as Equifax has neither corrected nor removed the disputed items, causing ongoing harm to my credit standing. 

I am requesting immediate corrective action to remove or amend the disputed accounts. Equifaxs failure to act violates federal law and infringes upon my rights as a consumer. I urge the CFPB to investigate this matter and ensure Equifax complies with its legal responsibilities. 

SEE ATTACHMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have got to the fact where I dont assume too much from you now because you sustained to report this fraudulent information in my file although I have shown over the documents required to defend my distress about being an identity theft victim. I dont have faith in you there at Equifax have no time to wrestle or analyse my complaints. Im attaching again the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

Due to the pandemic issue, On or about XXXX and XX/XX/XXXX, I have some problem making payment on my Discover Credit card. I called the bank that I want to consolidate my debts. I was making payment through a debt consolidation company. I Informed the bank and gave the phone number to them to make sure that I still making the minimum payment through a debt consolidation company. I had making consistent monthly payment through the debt consolidation company in XXXX and XX/XX/XXXX. However, in the month of XXXX, I found out that the debt consolidation company failed to pay my credit card. I then immediately called the Discover Bank to resume and make up all of my payments. My monthly minimum payment is {$80.00} per month. But I made double payment to make my account current. My payments are as follows : 1. XX/XX/XXXX, Paid {$250.00} 2. XX/XX/XXXX, Paid {$250.00} 3. XX/XX/XXXX, paid {$150.00} XXXX. XX/XX/XXXX, paid {$200.00} 5. XX/XX/XXXX, paid {$150.00} 6. XX/XX/XXXX, paid {$150.00} On XX/XX/XXXX, I have received an email from the Discover Bank stating that they couldn't located my account. When I called to talk to the Discover Bank, ( With Mr. XXXX ) he simply informed me that my account was restricted and being sent to a debt collection company by the name Wicker and Associate. All my payments since XX/XX/XXXX to XX/XX/XXXX were cashed by the Discover Bank. These amount of money were not credited to my account at all. When I checked with my bank XXXX XXXX XXXX XXXX, all checked were cashed by the Discover Bank. I requested for a refund and they refused to refund the money back to me. Instead, Discover Bank had filed a litigation claimed in court against me. This is completely an unfair practices. I have consistently paid all my monthly payments.
Product: Checking or savings account

I bank with Regions in XXXX, Georgia. I contacted my bank because I have fraudulent activity. I was told I have to wait for the purchases to go all the way through to make a claim. 
this all happened XX/XX/2020. My bank has made no action to get my money back. Here are the charges : XXXX XXXX XXXX  : {$1.00} XXXX XXXX  XXXX  : {$1.00} XXXX : {$23.00} XXXX  : {$39.00} XXXX XXXX : {$80.00} XXXX* XXXX : {$5.00} XXXX : {$5.00} XXXX XXXX  D : {$1.00} XXXX XXXX XXXX {$16.00} XXXX  : {$10.00} XXXX   : {$25.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok this is for TransUnion. I originally challenged these issues with them on XX/XX/21 asking them abut some inconsistent and inaccurate items that they are reporting on my credit profile. I contacted the courts asking them if they shared my info with a credit reporting agency which you will see attached. All they reported back was that it was verified through some company called XXXX. I went to XXXX and explained to them the inaccuracies and they agreed to remove them because they weren't valid. Also attached. Then on XX/XX/21 I sent all of this information to TransUnion to get them to remove the information from my credit report and they still ignored me. They have been completely violating my consumer rights and nobody will do anything about it. They lied about verifying this account to be accurate. And when i called them out on it they still are reporting it.
Product: Vehicle loan or lease

I do swear under oath that, fact XXXX XXXX XXXX and Capital One financial corporation has knowingly and willfully withheld pertinent information under TILA upon retail installment contracts such as the disclosure of my rights, one being the right to rescind. Also in violation pursuant to 16 USC 433.3 preservation of consumers claims and defenses, this was not included in my original agreement which shows a severe violation as it must be present and stated inconspicuously. Most severe, violating antitrust law, Pursuant to 31 CFR 357.44 notices hypothetical 5 a severe breach of fiduciary duty has occurred as I was never compensated for my original note. I did not receive my Federal Reserve notes applied for in a form of a check from the United States Treasury nor was the second disbursement of the same amount of securities applied to the account for set off to the account for my purchase. I am the accredited investor and holder in due course.
Product: Mortgage

Mortgage company violated law for HARP and kept asking for new documents. Now they say I was approved and on a 3 month trial but I NEVER RECIEVED a single document stating this and they are trying to foreclose.
Product: Credit reporting or other personal consumer reports

I have attempted to contact your department since XXXX via mail, alerting you to the presence of multiple inaccurate and misleading entries on my credit report. However, even after obtaining an updated copy of my credit report today, these erroneous items persist, that's why this time I raised these concerns via CFPB. I am requesting their prompt correction and automatic removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted the required documents several times, also cited the FCRA 605B protections for identity theft victims and still Equifax fails to comply with the law. I was a victim of identity theft and a few companies refuse to stop reporting unless I pay them I filed a police report and sent to all CRA and both XXXX and XXXX blocked the fraudulent information per FCRA 605B. Equifax continues to file disputes with the companies that always come back verified with no documentation. This is my final attempt and I will also include an intent to sue Equifax if they continue to report false info on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to CAPITAL ONE BANK USA agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting CAPITAL ONE BANK USA agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit reporting

I had public record for an eviction on my record which was from XX/XX/XXXX. I was able to fight it and it was taken off my credit report back in XX/XX/XXXX. I just checked my report yesterday and found that it was added back on my report, but this time 2 1/2 times the amount that it was. the name of the creditor is XXXX XXXX XXXX From what I understand they ca n't go add it after 2 years because of Statue of Limitations. I need to have this removed since it is a violation of my rights as a consumer. It is on all XXXX credit reporting agencies.
Product: Money transfer, virtual currency, or money service

A scammer induced me to XXXX money by pretending to be our electric utility company. After I realized the scam I called my Bank and XXXX. Both refuse to help. The Bank has identified a bank account associated with the scammer but can not /will not refund the money or give me any details.
Product: Credit card or prepaid card

During our flight on Frontier Airlines in XX/XX/2022 from XXXX XXXXXXXX XXXX to and from XXXX, XXXX ( XX/XX/XXXX going and returning XX/XX/XXXX ) the airline stewardess talked up Frontier 's Mastercard stating that it had great perks ( including a {$100.00} flight credit for your next flight ) and points to use for flights. She also stated how Frontier has great flight options. 

We were sold, and as soon as we returned home in XXXX XXXX, we applied for Frontier 's Mastercard. After paying a {$89.00} fee for the card and using the card for XXXX XXXX, we were eligible for all the perks the stewardess had talked about. 

So, we used the {$100.00} flight credit to book a flight in late XX/XX/2022 from XXXX XXXX XXXX XXXX XXXX 

A few weeks later, Frontier cancelled most of their XX/XX/2022 flights including ours, and all their flights from XXXX XXXX that were scheduled for XXXX! Nearly 2 months of flights cancelled at once! They also don't fly from XXXX XXXX during the winter months. 

If we knew that they were going to cancel 2 months of flights this fall from XXXX XXXX where we live, we would not have applied for their card. 

I've called Frontier and also Mastercard and asked for a refund of the {$89.00} annual fee since in my opinion the card was presented under false pretenses that the perks of the card could help me with Frontier flights out of our home airport in XXXX XXXX. 

Frontier Airlines and Mastercard both told me that they would not refund the {$89.00}. ( Frontier airlines said to call Mastercard and Mastercard said no but that they would look into it but never contacted me back as promised ) Would appreciate a refund of the {$89.00} Thanks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

On or about XX/XX/XXXX  I received a check from Wells Fargo Bank for {$200.00} from the CFPB settlement fund. See attached document. I decided to contact Wells Fargo the get answers for the small amount. After spending almost half the day being transferred from department to department being told each time " wrong department '' I was told by the WF Remediation to call the number on the check and they hung up before I could ask further questions. The number on the check is a recording. 

Also, we paid almost {$5600.00} to WF trying to avoid losing our home. But were denied. Also attached are Court cases from the Commonwealth of Massachusetts and US District Court XXXX concerning the original mortgage. 

Please note that I no longer have legal counsel.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I went to the Maximum Title Loans office at XXXX XXXX XXXX XXXX XXXX, AZ XXXX to get a title loan for a short term ( 2-3 months ) we have a small business and were waiting on some receivables to pay. I took my car and title in and asked for {$5000.00}, after the vehicle inspecting, paperwork and several phone calls to a woman that the young kid that was helping me told me was the owner I was told I was approved. I had to take my title to a title registration place down the street to add Maximum title to the title and bring it back to their office. When I returned I was given my check and was told that I would get a copy of all my paperwork sent to me via email. I did take a picture of the agreement that I signed prior to signing it to send to my husband and that was the only document that I left with aside from the check. I received a call on XX/XX/XXXX from a man by the name of XXXX calling to remind me of my payment on XX/XX/XXXX, he asked me if I remember if I had a promotion and I told him yes I did and he asked me what it was, I was a little confused as to why he wouldn't know this but I proceeded to tell him anyway that I had the 50 % off of the first payment. So he said okay well your first payment will be {$310.00}, I said that isn't the price that I had on the agreement that I signed, the first payment was {$470.00} which meant my first payment should be {$230.00} he said well that isn't correct because you opted for the promotion so the rate is different. I told him but the 50 % off the first month 's interest payment is highlight on the agreement that I signed and have a copy of on my phone. He said well send it to me and I will check into it for you and call you back. He called me back and said that the agreement I signed was not valid and he would email me one with the new rates. I did not sign this one, they changed the payment amount and switched it with the one I did sign. The page that I signed does not indicate that amount at all, they obviously have their agreements set up this way so that they can do the switch and bate on people. I went online to their website to make the payment of {$310.00} even though I didn't agree with the amount and when I logged on to make my payment the payment wouldn't process. It was late in the evening so I decided I would call the office in the following day to make the payment over the phone or ask for advice on how to pay online. Before I could do this I received a call from a woman that I was late and the I needed to make my payment and I told her that I had issues and that I intended to pay it today. She told me that I now had to pay the full amount because the 50 % off was void because I didn't make the payment on the due date. I tried to explain what happened and she hung up on me. Oddly enough I was able to now log on an pay online, so I paid the {$310.00} that I was had initially logged on to pay and then I received an email and a voicemail stating that I had an outstanding balance of {$350.00} and I needed to call XXXX back today to pay this amount.
Product: Credit reporting or other personal consumer reports

I am writing to request the method of verification used to determine the accuracy of the disputed information on my credit report. 

Previously, I informed your agency through CFPB Complaint # XXXX on, XX/XX/XXXX that the account in question XXXX XXXX  XXXX XXXX ( XXXX ) XXXX Opened XX/XX/XXXX XXXX BANK ( XXXX ) XXXX XXXX XX/XX/XXXX, is inaccurate. However, your response indicated that the information was " verified. '' As such, I am now requesting clarification on the specific method used to verify the accuracy of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX and XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had yet to correct my credit report. XXXX - XXXX # XXXX is mistakenly reporting a late payment in XX/XX/2022. This is a complete error and needs to be rectified right away. The account was paid off on XX/XX/2022. See proof from the Title company and letter from XXXX attached.
Product: Money transfer, virtual currency, or money service

I want to share my concerns about how Zelle deals with disputes, especially after the recent lawsuit from the CFPB pointing out major problems with the service. I have used Zelle many times and reported issues, but both my bank and Zelle didn't look into my claims properly. They told me that recovering my lost money was impossible and that tracking the transactions was not an option. According to the CFPB, Zelle has failed to protect consumers and has let repeat offenders take advantage of the system, putting users at risk for scams.
Product: Credit card

I noticed on my credit report that I have a credit card that was issued bt Credit Karma. I called to inform them that I did not apply for a credit card through them. I had to close out my spend account and savings account because Credit Karma allowed someone else to withdraw my money. I filed a dispute but they cancelled it because they said I called them back and said that the transactions were authorized. I did not authorize anything. I believe that I am a victim of identity theft. I would like the credit card removed unless they can send the card to my physical address.