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

I am writing to formally lodge a complaint against Citibank for their failure to honor a {$500.00} promotional offer tied to a new account I opened in XX/XX/XXXX. Despite meeting all the promotional requirements, Citibank has repeatedly delayed the credit, provided inconsistent and misleading information, and failed to address the issue through appropriate channels. 

Details of the Issue : Promotion Details : Citibank offered a {$500.00} promotional credit for depositing {$30000.00} into a new account by XX/XX/XXXX. I complied with all terms, and Citibank initially confirmed that the credit would be deposited within 45 days of the qualifying transaction. 
Repeated Delays : On XX/XX/XXXX ( Day 48 ), I was informed that the processing timeline had been extended to 75 days and assured the credit would be deposited by XX/XX/XXXX. 
On XX/XX/XXXX ( Day 78 ), I was issued reference number XXXX but no resolution was provided. 
On XX/XX/XXXX, Citibank contradicted their earlier assurances, stating the credit would now take 90 days. 
On XX/XX/XXXX ( Day 91 ), despite the extended timeline, I had still not received the credit. A 52-minute chat with a representative yielded no resolution, with the agent suggesting I contact customer service by phone, perpetuating a cycle of ineffective communication. 
Attempts to Resolve : I have contacted several times from XX/XX/XXXX through XX/XX/XXXX, Citibank through multiple channels, including customer service, email ( Citigold support ), my assigned relationship manager, and chat. 
I have repeatedly escalated the issue, most recently on XX/XX/XXXX, but continue to receive vague responses, no resolution, and contradictory information. 
Impact : This situation has caused significant frustration, wasted time, and eroded my trust in Citibanks integrity and professionalism. Despite being a Citigold customer, I have experienced subpar service, broken promises, and blatant disregard for their promotional commitments. 

Requested Action : I request the financial bureau to investigate Citibanks handling of this matter, as their actions appear to constitute : Breach of promotional terms and conditions. 
Misrepresentation and misleading communication to consumers. 
Failure to resolve disputes in a timely and professional manner. 
I seek assistance in obtaining the {$500.00} promotional credit that I am entitled to, along with an explanation from Citibank regarding their behavior. Furthermore, I urge the bureau to ensure that Citibank implements measures to prevent such issues from affecting other customers. 

Please find attached documentation, including chat transcripts, emails, and other correspondence, to support my complaint. 

I trust that your office will take this matter seriously and assist in holding Citibank accountable for their actions. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

The car was surrendered on time on XX/XX/2020. At the time, we were not offered a chance to be there for the inspection by XXXX, citing coronavirus concerns. That is the subject of a different complaint. 

This is a complaint about the taxes. A tax bill was issued in XX/XX/2020 and covers the tax period from XX/XX/2020 to XX/XX/2020. We have not used or been in possession of the car since XX/XX/2020. We properly had the tags canceled in XX/XX/2020. Our tax obligations on the car until XX/XX/2020 have been paid. 

Now NMAC is trying to make us responsible for taxes for a period when we have nothing to do with the car. This latest tax bill needs to be removed. 

We still dispute the remainder of the bill.
Product: Debt collection

Spoke to two individuals ( senior manager and manager ) at XXXX until XXXX on XX/XX/2018. 
I contacted IQ Data International about settling on an account they have of mine. They said my offer was to low and offered me 20 % off as settlement. I informed them I was not able to pay that at this time and would continue to save and call them in a couple months. The gentleman I spoke with said that he was going to see what else he could do and put me on hold. A woman come on and said that they had offered the lowest rate they could of {$2600.00} with a credit deletion and asked why I wouldnt take it. I explained I would not be employed for four months and could not commit to monthly payments on top of the {$1500.00} I was offering and that I would call again when I had additional funds. She told me that if I did not take the offer they had give me today that I would have to pay the full amount of {$3400.00} with no credit deletion. I told her I wasnt worried about the deletion, just that I had hoped to settle the account. She told me that if I didn't settle the account for the amount they were offering and take the credit deletion I would have a hard time getting a loan, finding a place to rent, etc. and that I would have to pay the full balance and that interest would continue to acrue. I told her I had spoken to a She said she'd been doing this a long time and that my credit would be effected. I told her that I was not able to commit and she stated she would notate my account that I was refusing to pay and she would take further legal action against my husbands gainful employment. 

I felt threatened despite having offered them {$2000.00} and monthly payments in XX/XX/XXXX that they refused. Now I have {$1500.00} and can not commit to monthly payments as my income will decrease during the summer. They also refused that and countered with offers almost {$2000.00} higher with a credit deletion. When I couldn't commit they told me my credit would be impacted, we wouldnt be able to rent or buy or get a loan and that she was going to take further legal action against our gainful employment. She also stated that they could call us repeatedly at home or work if I wasnt going to agree to the offer they gave.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to refinance my home. I contacted a bank, they pulled a XXXX report. On the equifax report there is a name not mine but showing up with my social security number that has a past due acct and a collection report. Neither of which are my accounts. this has negatively impacted my credit score and is causing me great difficulty. 
there is an account with XXXX XXXX acct # XXXX the ammount is {$1600.00} It was past due on XX/XX/2019 there is an acct in collection under the name of XXXX XXXX acct # XXXX for {$530.00} dated XX/XX/2019 I repeat neither of these debts are mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XXXX XX/XX/2022
Product: Checking or savings account

Was paying {$440.00} dollars monthly and with out any notices or calls I was charged XXXX that wasnt authorized by me .... please call me XXXX or email me at XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am being harassed. Last week, I began the process of applying for a mortgage. During that process I have contacted 3 mortgage companies to look at competitive rates. Along with that I authorized XXXX, XXXX, and Equifax to run my credit score and send reports to those 3 specific banks. Afterwards, starting Monday XXXX and all day today XXXX I have received nearly XXXX phone calls and dozens of unsolicited texts offering more competitive rates. I never opted into sharing my information. Only after I started being harassed did I research and discover XXXX where I can ask to opt out of these types of phone calls. This can take 5 days, and my name and phone number are already out there. The people calling me are unsolicited strangers, and they know my name, phone number, email, and credit score. The harassment is incessant and has caused me distraction at work.
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report and found inquiries that I did not authorized nor have awareness of. One of them is GLOBAL LENDING SERVI Date of Inquiry XXXX which I did not notified nor did I authorized this company to pull my reports. The Bureaus are violating my rights according to the FCRA Law by allowing other company have access to my file. Please help me have these inquiries deleted as soon as possible as this is hurting my credit score.
Product: Payday loan, title loan, personal loan, or advance loan

I have garnishments to attached from a company who bought out a debt in XXXX and XXXX. 

The information and interest is entirely inaccurate. 

I may have paid these and do not have any paperwork on the original accounts. 

Senior citizen on low income.
Product: Debt collection

I would like to submit a complaint regarding the unfair and abusive fees assessed to make a payment on the debt owed. The company is charging a {$5.00} fee to make a payment via debit or credit card. This fee is also assessed if making the payment for a medical debt via a health savings account. The fee is unreasonable as it does not reflect the cost to process a single credit card transaction, is not a fee associated with making the payment over the phone or for an expedited payment, and it is much higher than other merchants charge. I was only provided with an alternative to avoid the fee after I questioned why it would cost {$5.00} to pay my debt. After I refused to pay via credit card and accept the fee, the representative indicated that I could also pay by check to avoid the fee. I could still make the payment by phone but needed to provide full bank account details. Additionally, I would like to note when I was first contacted by the debt collector I was pressured to make a payment even though I stated multiple times that I did not know what the debt was and would like a debt validation letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX Bank Account : XXXX First XXXX Bank Account : XXXX XXXX  Bank/Full XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXXa XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Bank Account : XXXX XXXX XXXX section 602 A States I have the right to privacy 15USC 1681 section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items or information. Any other adverse item of information, other records of convictions of crimes which antedates the report by more than seven years.

15USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I have made previous attempts to resolve this matter
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXXXXXX XXXX-XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
2. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
7. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
8. The inquiry was not authorized XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
9. The status is incorrect for the following account XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
10. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX5 U.S.C. Sec.

1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely
Product: Debt collection

Enhanced Recovery has reported a collection account on my credit report. Prior to this account appearing on my credit report, I did not receive a notice of right to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent a letter to Experian on XX/XX/2022 requesting to investigate and verify the Accuracy of the account on my Credit Report. This account ( XXXX XXXX  XXXX ) is reporting erroneous information on my File. Despite the previous written requests sent to Experian, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting these accounts as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Experian to investigate the erroneous account and have it corrected. 

XXXX XXXX  XXXX Late Dates XXXX
Product: Checking or savings account

Cant link my PNC checking account with XXXX because PNC wont allow it? Completely confused by why.
Product: Checking or savings account

PLEASE DO NOT CLOSE THIS AS DUPLICATE before reading completely I just received a response from XXXX ( attached ) that Flagstar is still lying to them and tryin to keep the inquiries on my report. 

Flagstar bank 's process for handling XXXX dispute is a total sham, it is just a dog and pony show to fool the customers and regulators. I opened XXXX disputes with XXXX and XXXX CFPB complaint and they were all closed by XXXX simple lie saying " the information is accurate and complete '' whatever that means. Even after XXXX has admitted they didnt ask for my consent for pulling these reports, whoever is handling tthe XXXX dispute is still lying to XXXX. This is the response I got from XXXX today on XXXX. And the lies are pretty obvious, you can read for yourself " Our records indicate that XXXX has previously received disputes directly from the consumer that was of the same nature as the complaint. As is our standard practice, XXXX sent a letter to notify the consumer of our intent to initiate a reinvestigation. XXXX notified Flagstar Bank of the consumers dispute and requested that they reinvestigate the accuracy and completeness of the information submitted. Flagstar Bank has verified the information to be accurate and complete. As a result, it will remain on file at XXXX. '' I am at a loss here on how to even file a complaint against Flagstar as it is evident now that they dont even know the basics of banking, they pull reports without asking for consent and when caught in the act, they start lying. XXXX response doesnt address any of my concerns. I have to waste countless hours and had to listen to multiple lies from Flagstar employees and she thinks everything XXXX out of the XXXX inquires ( and that too hasnt been done yet and they are still lying to XXXX as stated above ) makes everything right. She is asking me to wait another 30 days and I am sure that is another delaying tactics as you can see from the attached document that Flagstar is still lying to XXXX and claiming these inquires are " accurate and complete '' whatever that means They kept these XXXX fraudulent inquires on my report or almost XXXX months adversely impacting my ability to do business with other banks and kept repeatedly lying to XXXX about their fraudulent actions and she thinks all that is ok. That says a lot about the ethics of the employees of this bank
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as such, I request that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Accounts to be blocked and 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : XXXX  : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. The inquiry was not authorized PEOPLE FACTS Date of inquiry : XX/XX/2020 XXXX. XXXX Account XXXX : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX, LA XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX