23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I opened a Citigold account on XXXX/XXXX/16 online using promotional offer code XXXX. The promotional code promised XXXX XXXX XXXX XXXX miles after all requirements for the promotion were met. I met all requirements in XXXX 2016 and emailed Citi on XXXX/XXXX/2016 to confirm my eligibility and that I have met all requirements. A Citi representative replied on XXXX/XXXX/2016, confirmed that I had indeed satisfied all terms of this promotion and stated that I would receive XXXX XXXX miles no later than XXXX/XXXX/2016. On XXXX/XXXX/2016, I emailed Citi again to ask where the miles were. They opened an investigation to verify my bonus eligibility and promised to have an answer in XXXX7 business days. I made XXXX additional follow up emails to Citi on XXXX/XXXX/2016 and XXXX/XXXX/2016 with still no resolution on when my bonus miles would post. As of this complaint I have yet to hear back regarding this inquiry and have not received my bonus miles. I was told that they were still researching the issue and would let me know soon. During this time, I 've been charged $ XXXX monthly service fee as the account must remain open and in good standing to receive bonus miles. I would greatly appreciate your assistance in resolving this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial has not reported to the credit bureaus since XXXX of 2019. I have requested them to report my on time payments as well as the new balance on the account and they have failed to do so. The reported balance is {$5500.00}, the actual balance is {$3800.00}. I called and they told me their policy is their investigation into why it is not reporting will take more than 45 days. I explained this is illegal and they did not care.
Product: Checking or savings account

I am providing the exact problem is the documented, I send in the document area below. I asked XXXX XXXX about the cameras. She replied, oh yeah that we can't do. I asked again and she hesitated and said I nevered said that we couldn't check, then changed the subject.it the branches cameras you will see what happened and really the problem will get solve. Please email me with any confirmation because on my last complaint someone closed the case without really doing any research again. Thanks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I looked at my account on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I Sent a letter asking them to reinvestigate these accounts listed below because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX on Transunion also shows as and open account no active status. XXXX XX/XX/XXXX shows last active date on the account as This company was deleted from XXXX due to not being able to provide proof account was mine asking for the, to reinvestigate this account XXXX XXXX XXXX XXXX XXXX I have gotten the investigation back but nothing was modified or updated on the account So i requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681I7 They also violated 15 USC 168I ( 5 ) Can you look into this matter.
Product: Debt collection

This debt collector calls my employer and my work phone number several times per day. They usually do not leave a message, but when they do, they tell me they are calling from the Attorney General for the State of Ohio. I contacted the attorney general 's office and they said they do not know this company or this number. 

I have asked them both via the contact email address listed on their website and via the contact form on their website to stop contacting me by phone and they have not responded. They will not tell me what kind of debt they are trying to collect.
Product: Debt collection

A collection account was opened up using my social security number on XXXX. I have no knowledge of this debt and would like to this debt to be validated/verified.
Product: Debt collection

Received a letter in the mail ( with my first name spelled wrong ) for a debt of {$4600.00} from Credit Management, L.P. on behalf of XXXX XXXX, XXXX. on XX/XX/XXXX. I have resided outside of the state of Texas since XXXX. I have never gone for any diagnostic testing at XXXX XXXX, nor have I had any outstanding medical debt. We have had medical insurance that has covered the majority of our expenses, and any co-pays/deductibles have been paid in full at the time of being billed. This is a false collection as this is not my debt.
Product: Credit reporting or other personal consumer reports

Please update my personal information to : XXXX XXXX XXXX XXXX XXXX MS XXXX
Product: Credit card or prepaid card

I WAS THE VICTIM OF IDENTITY THEFT PLEASE SEE ATTACHED FTC REPORT AND LETTER TO FURNISHERS RE : CAPITAL ONE SPARK CARD THANK YOU XXXX XXXX XXXX
Product: Mortgage

I, AM XXXX XXXX XXXX HAVE A LOAN WITH XXXX BANK, AND THEY REFERED IT TO THEIR MORTAGE COMPANY, SYNOVIS BANK. THAT WAS ALRIGHT, THE ISSUE IS I OWE SOME PROPERTY TAX ON MY HOME AND MY DAUGHTER XXXX WAS PAYING THEM, SHE WENT AND PAYED SOME OF THE TAX, BUY THE TAX COMMISSIONER WROTE AND OR CALL THE BANK AND TOLD THEM HE WAS PUTTING MY HOME UP FOR SALE THE BANK TOOK ON AND PAYED SOME OF THE TAX, THAT WOULD HAVE BEEN ALRIGHT BUT I DID NOT AUTHORISE THE COUNTY TO DO THAT OR I DID NOT SIGN A RELESE FORM FOR THE BANK TO TAKE ACTION, I WENT TO XXXX BANK AND TALKED TO THE BRANCK MANAGER, AFTER I DID NOT HEEAR FROM HIM, I WROTE A LETTER TO THE BANK AND SENT A COPY TO XXXX XXXX THE TAX COMMISSIONER FOR XXXX COUNTY, WAS IT RIGHT FOR THE BANK OR THE COMMISSIONER TO TAKE ACTION WITHOUT MY INVOLVEMENT I WOULD LIKE TO KNOW, WHERE I LIVE THE COUNTY AND THE CITY OF XXXX, EXTENDED THE JAIL HOUSE IN OUR COMMUNITY AND I ASK THE TAX AJUSTER TO COME OUT AND RE EVAUL MY PROPERTY THAT NEVER HAPPER. 
I APPLIED FOR HOME OWENER TAX RELIEF THAT WAS NOT GRANTED, IAM XXXX ON A FIX INCOMEAND WHERE I LIVE THE ONLY SERVICE WE GET IS FROM THE CITY THAT IS WATER, AND TRASH PICK UP IF YOU WILL HELP ME UNDERSTAND IF THEY ARE RIGHT OR WRONG I WILL APRECIATE IT. 

SINCERELY XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand that a large breach of personal information from XXXX recently occurred. I 'm filing this complaint because I feel that as a business that profits on credit reporting and tracks/stores large amounts of personal and sensitive financial and other information about me, my family, and my loved ones should, if not by law then at minimum as a best business practice, be required to control this data securely. I have been exposed to fraud due to poor practices at XXXX ; i 'm taking steps ( i.e. 90 day fraud alert ) for myself ; however, several people that I care about are not equipped to submit online forms and paperwork and research solutions as I have done. 

I would request the following from XXXX ( and other credit monitoring companies ) : 1. provide professional counseling service from a qualified individual to guide those affected/potentially affected by the breach so they can minimize risk. 
2. provide indefinite fraud alerts for all individuals whose data is gathered/held ( not just the free 90 day fraud alert available currently ) 3. Provide insurance or an escrow fund for legal fees and reimbursement for people who suffer identity theft in connection with XXXX ' handling/mishandling of data 4. Institute a more secure way to access my credit-i.e. a form of 2 factor identification that makes it harder for other individuals to use my information. 
5. Ensure that the above options can be easily requested and accessed by the layperson and people who do not regularly use the internet. 

I would be in favor of broad overhaul of credit monitoring and tracking practices on a national/global scale.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Reporting ( File # XXXX ) continues to reinsert information known to be incorrect and previously removed. In fact, Equifax Office of Consumer Affairs XXXX XXXX XXXX XXXX GA XXXX, Sr. Consumer Relations Specialist XXXX XXXX XXXX alongside other representative Sr Representatives have committed fraud by making false statements of correction to both the State of Maryland Division of Financial Regulation ( XXXX XXXXXXXX XXXX and Consumer Financial Protection Bureau dating back to XXXX. 

XX/XX/XXXX XXXX XXXX of the Equifax Office of Consumer Affairs wrote correspondence to XXXX XXXX stating a disputed file for XXXX  XXXX ending in XXXX and XXXX have been removed and not currently reporting within my credit file. This account has now been reinserted with know to be fraudulent information asserting the first missed payment being XX/XX/XXXX. 

In referencing Confirmation # XXXX, the continued claim of correction by Equifax the Creditor XXXX XXXX XXXX XXXX, unlawfully negatively reinsertion is a practiced targeted correlated attack on consumers. Equifax then blocks consumers from retrieving their reports and maintaining correctness virtual, in an effort to harm the consumer. Equifax has placed a block on my credit file alongside an extended fraud alert without the consumer 's ( XXXX XXXX ) request or consent. 

I faxed and mailed correction, without response, to Equifax and the creditor XXXX XXXX XXXX XXXX referencing the aforementioned error and demanding immediate correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$4700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I received the phone call from the number ( XXXX ) XXXX on XXXX of XXXX around XXXXXX/XX/XXXX The guy who was speaking introduced himself as an Officer XXXX XXXX. He said that he was in charge of investigation of my file. He gave his badge number XXXX. It is important to remind that before this calling, I received another call from same number about two months ago and it was about the same issue. But in that moment, I rejected to give any information on the phone. 

While we were talking with the so-called officer on the phone, I received calls from another number ( XXXX ) XXXX which is a phone number of XXXX Police Office. I hold the guy from immigration service and started to talk on other call. The guy said that he was a police officer and they were on the way to arrest me. My wife was near me and she heard everything. She started to cry. Then I said to the so-called police officer that I was on the phone with another guy from immigration office and he had already investigate my case. Then the guy from immigration office claimed that I hadn't update my XXXX number ( XXXX ) and it created a problem for me. I said I am legally resident here and I don't need to update anything. After that, he explained that he was calling from Immigration and customs enforcement and the number they are calling from was the same what in written on their website. He directed me to check their website and the number in that website was matched the number that I was talking to. At the same time, there was a call from XXXX Police Department to make me uncomfortable. Anyway, he said something about the laws and there were an obligation that I have to update my XXXX number. He told me two ways how to fix that. The first one is XXXX Police Officers could come to my home and arrest me, the other one was I deposit money for attorney to acquit that I am innocent. By the way, he asked me my address, my phone number, how many credit cards that I have and my bank accounts. 
I chose the second option which makes me free according to their way. So-called officer asked me to download an app, XXXX. It gives remote access to my phone. While they were connecting, I noticed that it was a scammer. But my wife was so scared and she wanted me to give that money. Then I said ok and the same number from XXXX Police Department called me again. The other guy from Immigration Service was hold and I talked the so-called officer. He asked me to transfer {$1700.00} to this phone number : ( XXXX ) XXXX XXXX. This is an attorney 's account and the number associated with the phone number belongs to XXXX XXXX. I sent the payment. Then I received a message from ( XXXX ) XXXX which said that the payment was unsuccessful. Then the same police officer asked me to send another payment which was {$1700.00}. Unfortunately, I transferred it, too. Then he asked for the third payment because my bank didn't allow me to send the money. I asked why and he explained that my account was used for money laundering. And I said to him that I was about to calling my bank, then he hanged up the phone.
Product: Payday loan, title loan, personal loan, or advance loan

Im seeing two different credit scores which hurt my when trying to apply for dental credit. XXXX is showing a high score of XXXX but on the adverse letter my score is lower is XXXX, that's not correct
Product: Credit reporting or other personal consumer reports

I recently discovered that my credit report contains incorrect personal information, which has led to an unknown and inaccurate account appearing under my name. This is extremely concerning, as I have no connection to this account, yet it is affecting my credit standing. This issue has caused me significant XXXX  and XXXX.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please be advised that I am a victim of identity theft, which has resulted in negative and false information being placed on my credit report. According to the Fair Credit Reporting Act Section 605 ( b ), you are required by Federal Law to delete inquiries resulting from Identity Theft within a maximum of 4 Business Days from the receipt of a Police Report and/or Fraud Affidavit. 
I HAVE INCLUDED HERE THE REQUIRED POLICE REPORT AND FRAUD AFFIDAVIT. 

Therefore, I hereby demand that you immediately delete the fraudulent inquiries listed below, which are a result of Identity Theft : FRAUDULENT INQUIRIES TO BE DELETED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was told that I would not be moved to foreclosure by my assigned customer service rep, numerous times if I fell no more than 3 payments behind. I have not. I was consistently making payments and had been for nearly a year.
1. I am requesting copies of all recorded calls for the last 12 months.
2. Verification of all transactions since XX/XX/XXXX.
3. Payment records.
Bank of America refused to take a phone payment from me on Wednesday XX/XX/XXXX. They then told me that I 've been moved to foreclosure status. I took time off work and drove to the branch and made a payment on my loan in person. They accepted my check, cashed it and then when I spoke to the customer service again the following week, they told me that I was still in foreclosure status and that I would be refunded the money that I had paid them and that they would not accept any more payments on my account. 
I insist to be reinstated and be allowed to make web/ phn payments. 
I also am requesting forbearance and loan modification under HARP and Hamp and any other loss mitigation
Product: Credit reporting or other personal consumer reports

I recently submitted a complaint about Experian reporting incorrect information on my credit file. The dispute was opened and verified by Experian but I will be filing a complaint until the inaccurate information is removed. 
XXXX XXXX XXXX XXXX Is reporting a charged off account with a balance of {$3000.00}. This account has been sold to a collection agency which means I no longer owe the balance to XXXX XXXX XXXX. A company called XXXX XXXX has purchased the debt. I can not owe 2 companies for the same account. If this account has been sold to a 3rd party collection company then the balance reported should be 0. Under the FCRA laws, this account is being inaccurately reported and I am entitled to compensation. If it is not removed this 2nd time around, I will be hiring an attorney for legal assistance. 

The item on my Experian report is XXXX XXXX XXXX XXXX I am attaching letters from XXXX XXXX that prove that this debt was sold to a 3rd party collection agency.
Product: Credit reporting or other personal consumer reports

Title 18 U.S. Code 1342- Fictitious name or address imposes a penalty where XXXX " shall be fined under this title or imprisoned not more than XXXX years, or both. '' The following names are a violation of Title XXXX XXXX Code XXXX and I demand their immediate removal from my Consumer Report and Consumer File XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE ONLY MAILABLE ADDRESS AND ACCURATE IS ADDRESS IS AS FOLLOWS. 

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

Synchrony bank / Walmart and XXXX  are reporting an account on the credit report that I have been trying to have updated or removed for specific reasons. My rights are important to me and understanding that they are deliberately ignored is not something that I am okay with. 
There is an account with SYNCB XXXX and this account has a lot of missing fields, inaccurate balance, payment amounts and payment months. I wrote to XXXX  so they can communicate with syncb and all they did was confirm they received the dispute and leave the information reporting. I have a screenshot of the errors and have highlighted them problems. 
An investigation already should have taken place so the account should report accurate and up to date information. There should be no investigation happening now unless they lied about the previous investigations they said they had. Either one still violating the fcra that protects against type of abuse in reporting. This account needs to be removed promptly. I need a response from XXXX  and SYNCB.
Product: Checking or savings account

Chase bank withdrew all the funds from my checking account, totaling over {$5500.00} and closed or suspended the account and are not responding to calls to resolve. Around XX/XX/XXXX and XX/XX/XXXX, deposits were made to my checking account comprised of checks and money orders paid to me as rent on some units I own personally. The deposits were each help for around 14 days, then cleared. When the second group of deposits cleared around XX/XX/XXXX, I attempted to transfer the funds to another account and was not allowed to transfer. That evening, the account showed that all the funds had been withdrawn, totaling over {$5500.00}. When I called, after being on hold for over half an hour, I was told all they could tell me was that it was done by a Chase employee and they confirmed it was not due to insufficient balances on my other accounts. They gave me another number to call during business hours. Upon calling the next day and being on hold for nearly 40 minutes, I was told the deposits were flagged a suspicious because of so many money orders from different people, but they would not provide details on which money orders caused them concern. I spend over 2 hours on the phone giving them the phone numbers of my tenants, only to have them tell me they were only able to reach one individual, but even that conversation was not sufficient. They instructed me to have my tenants return to the place they got the money orders, cancel them and give me the funds by another means. This would incur cost and inconvenience for my tenants at a time when people are already stressed and low on cash, besides the fact that the bank already reported the funds as cleared so they likely could not be reversed. They said a manager would call me by end of day, but I received no call. I have not tried to call back daily and they are not giving additional information or attempting to resolve their concerns, just holding my money and the account in limbo. This was all done with no proactive outreach by Chase to resolve their concerns prior to taking action. They have also removed all access to statements and transactions related to the account.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX FIN Account Number : XXXX