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

I opened a new Citibank account on XX/XX/XXXX. They advertise that depositing {$15000.00} between your new checking and savings accounts and maintaining that balance for 60 days will net you a {$400.00} bonus 90 days later. I left the required amount in Citibank for the entire 150 days. It's now 152 days later and I still haven't been issued my bonus. When I went into the branch to complain, they told me that the account had to be originally funded via cashiers check ( not cash ) When I told them that wasn't in the terms of the original agreement, was not mentioned in any of the promotional material, and that no one mentioned it to me when I opened the account in the very same branch ( while referencing the {$400.00} bonus specifically ) they told me there was nothing they could do but open an inquiry. 

Here is a link to their promo. The terms are exactly the same with the exception that the offer dates have changed since I opened my account : https : XXXX? XXXX & XXXX ( I will also add this as a screenshot attachment in case that link goes missing ) As you can see there is nothing in there about the method of funding. It just says deposit {$15000.00} in new to Citibank funds between the new checking and savings accounts, and to maintain that balance for 60 consecutive calendar days. That's exactly what I did and I still haven't been given my bonus.
Product: Checking or savings account

Checking account closed in XX/XX/year> by Citibank fraud department without any notice. When I called to check what would happen with my funds deposited from the social security I was told a a check would be sent to me via mail. I have called continuously since XX/XX/year> and have updated my mailing address with Citibank. But I still have not received my check. I am a XXXX XXXX XXXX and depend solely on my income from XXXX XXXX. I dont know how else to request this check from Citibank and have decided to request assistance from CFPB with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score has always been low even though I established it at XXXX. I have been responsible and I am not sure why it has been low. And seem I can not improve it no matter what I do. I feel a little discriminated against. Please help
Product: Credit reporting or other personal consumer reports

This letter serves as my formal demand for immediate action regarding your failure to complete my investigation requests. I have submitted multiple requests in accordance with the Fair Credit Reporting Act ( FCRA ), yet you have failed to fulfill your legal obligation to conduct a proper investigation into the disputed items on my credit report. 

As previously stated, my personal information was exposed in a data breach, which I have documented with an official Federal Trade Commission ( FTC ) Identity Theft Report. Despite providing this information, you have neglected to take the necessary steps to rectify inaccuracies and fraudulent accounts appearing on my credit report. 

Your continued inaction is a blatant violation of my rights under the FCRA. You are legally required to investigate and correct any inaccurate or fraudulent information within 30 days of receiving a dispute. Your failure to comply is not only unacceptable but also actionable under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017, I receieved an email from the company that stated back in 2017 that my balance was reduced due to a settlement with the State of Virginia. I paid the account in full right after that. I just applied for a loan which was declined due to a charged off account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act has violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Unverified Account Dept of education XXXX  XXXX Unverified Account Dept of education XXXX  XXXX Unverified Account Dept of education XXXX  XXXX Unverified Account Dept of education XXXX  XXXX Unverified Account US DEPT OF EDUCATION XXXX Unverified Account US DEPT OF EDUCATION XXXX Unverified Account US DEPT OF EDUCATION XXXX Unverified Account US DEPT OF EDUCATION XXXX Unverified Account XXXX XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 u.s.c. 1681 section 602 A. states I have the right to privacy 15 u.s.c. 1681 section 604 a section2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are a result of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 


Account Name : XX/XX/XXXX # XXXX Account Name :XX/XX/XXXX # XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XX/XX/XXXX# XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name :XX/XX/XXXX # XXXX Account Name : XXXX # XXXX Account Name : XX/XX/XXXX# XXXX Account Name : XX/XX/XXXXXXXX XXXX Account Name : XXXX XXXX # XXXX Account Name :XX/XX/XXXX # XXXX Account Name : XXXXXX/XX/XXXX # XXXX
Product: Credit card or prepaid card

This complaint is in regards to My  XXXX  Store card. I received a letter in the mail that my  XXXX  store card was closed due to non-payment of a {$35.00} balance. The card is issued by Wells Fargo Bank. I contacted the bank and spoke with account specialist   XXXX   in the collection department. I informed the representative that I did not receive a monthly bill as I always do and why did it take 3 months for the bank to notify Me of the past due amount.
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I was told that my account was switched to electronic statements and the representative told me that there is no notes in the system to indicate that the customer ( Me ) requested electronic statements. Now Wells Fargo Bank is asking me to pay late fees and interest of {$130.00} for a balance that was {$35.00}. This is very disturbing to me, I have always paid my bill faithfully and this bank wants to rob me of my hard earn dollars.
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The representative removed one late fee and I went ahead and paid the {$100.00} because I did not want this to ruin my good credit history because of a {$35.00} dispute. No company should be allowed to deceive any consumers in this way, if the consumer did not request electronic statements then no company should not be allowed to get away with doing these things.
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If Wells Fargo bank did not received my payment of {$35.00} and I have always paid on time, perhaps a letter and a phone call would 've been more appropriate to send immediately to the consumer but no they did not do anything until interest and late fees racked up. This is shameful and bad business practice on their part and I would truly appreciate if you could look into this matter further. Thank you for your time.
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Sincerely
Product: Mortgage

am filling a complaint against Bank of America , NA for the deceitful, dishonest, lies and corrupt, method which They unlawfully auctioned my property on XXXX XXXX, 2016 it was an illegal sale, It has gone back to their XXXX XXXX I found very serious violation in the process of transfer of my loan there was no Assignments, Substitution or Substitution of Trustee ever recorded in the County in which my property is located. it clearly states in the California Civil Codes Regulation proper recording of documents
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX are in major legal trouble for the act of identity theft by reporting inaccurate and non public information In accordance 15 Us Code 1681A ( I ) Reporting Transaction history and experiences On a consumer report is illegal as all illegally reporting accounts are reporting the balance payment history payment dates the status of accounts which is transaction history negative remarks on my credit report which discusses my experience with a creditor just under that Truth XXXX, experian and XXXX is reporting identity theft with non public information thats supposed to be private According to the Fair Credit Reporting Act, 15 USC 1681 section 602a emphasizes the need for consumer reporting agencies to handle their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. As the consumer, I assert my right to safeguard privacy Also 15 USC 6802 ( b ) ( c ) specifies that a financial institution must provide an explanation of how consumers can exercise their nondisclosure option. However, Creditors above who furnished information to credit agencies has failed to inform me of this right. I am giving XXXX, experian and XXXX 30 days of receipt to remove all inaccurate accounts off consumer file I will be charging bureaus a XXXX dollars each day Inaccurate accounts stay on report Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX will be my direct proof of claim to take Bureaus to arbitration as all accounts report transactions history
Product: Credit card or prepaid card

I opened a XXXX XXXX credit card to help give me more time to pay off my Chase card. I initiated several balance transfers that went through, the third one resulted in a new balance on my XXXX XXXX card, but that same balance never came off of my Chase card. It has now been nearly two months and Chase claims to have never received the payment, while XXXX XXXX claims the check they sent was cashed a week later. This has resulted in me being unable to use my Chase card and now unable to even make the minimum payment. I essentially have been screwed into having the same balance on XXXX cards. While XXXX XXXX agreed to file a claim disputing the charge, in the meantime this has been hugely detrimental to my financial wellbeing and I will likely be unable to pay in time to prevent the Chase card being closed. This is a massive disaster that would not have occurred had either side stepped up in time to resolve this issue. They both shifted blame elsewhere and left me in the lurch even though it was not my fault, I followed the same procedure as before and they confirmed that the info I provided was 100 percent accurate.
Product: Credit card or prepaid card

Last year, I completed my special program account ending in XXXX. When I first enrolled in the program several years ago, my phone rep advised me that any negative items would be removed or modified, once I completed my program, as an incentive. There are five derogatory items that should already be removed since I completed the program. I have tried to resolve this matter with the creditor 's corporate office but unfortunately, no one has assisted me with this matter. With all due respect, it is shady and unacceptable that I was initially misinformed when I enrolled in the creditor 's repayment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used to have a joint account with my former husband XXXX XXXX at XXXX XXXX XXXX 
I divorced him because he was involved in XXXX XXXX  and fraud to the IRS. 
After my divorce, XXXX XXXX XXXX  has been reporting false information bout my payment records. 
I must mention that it was I, who took in the responsibility to made the payments when I was married. 
I tried to talk to a bank manager ( they are located inside of XXXX XXXX  ) the manager was very rude and offensive. 
My records still have the wrong information that XXXX XXXX XXXX  reports. 
I need to clear my records. 
Thank you.
Product: Mortgage

I believe that I have been unfairly reported as having 30 days past due payment. Ditech failed to apply my payment to my account because my escrow amount was increased by {$34.00} and my payment did n't reflect the new amount. They did not make an attempt to contact me to correct the matter until the end of the month. I have never made a late payment and they would not work with me at all.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Collection account XXXX XXXX XXXX XXXX {$1600.00}. This account has resulted in fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts and or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud.
Product: Mortgage

I have repeatedly attempted to resolve with PNC, and it continues to report delinquency on my credit report. In addition, PNC is charging late fees when the payment is made on the XXXX of the month.
Product: Credit card or prepaid card

On XX/XX/XXXX, my tax refund was deposit into a prepaid serve card through tax act. The amount was XXXX. I notice that when I started to use the card that there were unauthorized double charges I reached out to the Serve card who was very rude I was transferred to two different people. I explained to them that there were charges by both XXXX, and XXXX that I did not authorize. They told me that they looked at it and, the amounts would be credit back to me by XX/XX/XXXX nothing has been credit back to me. There was a charge on XXXX XXXX for XXXX and, a Charge for XXXX on XX/XX/XXXX, and I charge on XX/XX/XXXX with XXXX for XXXX what does not make sense is I do not have a XXXX account. I told them I was going to stop using the card tell it was fixed. Another was mailed ending in XXXX but has a XXXX balance and, the card ending in XXXX has a balance of XXXX they have not even fixed nothing no phone calls nothing. I called both XXXX and XXXX they can't release any information but, did tell me to reach out to my bank, and let them know because the information they have on file does not match mine. Well, of course, it does not because I did not use my card for those purchases.
Product: Checking or savings account

With regard to below complaint, I've been leaving messages XXXX XXXX XXXXXXXX, unable to reach this person. The rep, XXXX, requests more information, in which case, I need to know what information is needed.. As stated before, I've been leaving messages, unable to reach the rep... 

As explained in prior CFPB complaint, a close out check in amount of {$4200.00} was intercepted by another party while I was on vacation in XXXX of XXXX. A prior check was mailed, a stop payment placed on it prematurely by Capital One rep { s }, second check reissued while I was on vacation, sent via XXXX. Capital One rep by the name of XXXX requested I call, in which case, from past experience, Capital One reps leave a number to reach out but do not accept or return calls ... A message was left on, XX/XX/XXXX, no callback received.. last message left on XX/XX/XXXX. Please note, a prior Capital One rep, XXXX XXXX, left a number to reach out, a total of seven messages left, none returned ... .She claimed she can not return calls while CFPB complaint is in process, which appears to be a lie, calls were never returned, even after CFPB complaint { s } closed out ... .This may appear irrelevant ; however, it goes towards credibility., Further note, XXXX failed to send an affidavit, it was sent several years later, closed out, nothing further done in re.. Affidavit was closed out in error, Capital One reps refuse to reissue, despite their error in stop payment prematurely and failing to send affidavit when matter brought to their attention in XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

On Experian it says that my name is listed as XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. 

It also says that my year of birth is XXXX when it is XXXX. 

There are also a number of addresses on the account that do not belong to me. 
The incorrect phone numbers have been disputed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act # XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, ( Hard Inquiries ) on my reports that I have no knowledge of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX & XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am and have been a victim of identity theft which you will see in my report . 


15 U.S.C. 1681 section 602 A. States I have the rights 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 have recently identified an issue with my credit report that indicates a 30-day late payment from XXXX XXXX XXXX However, after speaking with a supervisor on the phone at XXXXXXXX XXXX on XX/XX/2023, I was informed that XXXXXXXX XXXX only reports 60-day late payments and not 30-day late. I have always made sure to pay my dues on time and have never been late by 60 days on any of my payments. The supervisor recognized the error from their end and told me that this incorrect information will be rectified and removed from my credit report. To substantiate this, the bank will be sending me my statements from XXXX, XXXX, and XXXX of XXXX which will illustrate my prompt payment history. I kindly request that this erroneous information be removed or updated from my credit report and updated accurately at the earliest.
Product: Debt collection

I did not know about this debt till I received a letter from ERC near the end of XXXX. The debt is not valid and they posted this as a past due debt on the 3 Bureau Credit Reports without informing me of the debt. this is now being reported as a deregatory item even though this was not communicated till late XXXX. 

I contacted ERC and stated this is not valid and that the debt needed to be removed. i told them i would file complaints and take necessary legal action for this erroneous Credit Reporting actions they took without ever communicating the debt. They stated I had to prove that I did not owe the debt. Which I stated no, you need to show me this is a legitimate debt and they had no evidence to provide.
Product: Debt collection

XXXX XXXX sold a collection to debt buyer Jefferson Capitol Syst who reported a collection to the credit bureau in XX/XX/2022 amounting to {$540.00} for a debt that has been reported as Identity theft to the police department and the FTC.
Product: Credit card or prepaid card

On XX/XX/2018 I received a promo finance charge in the amount of {$820.00} from XXXX XXXX since I did not pay my balance in full by the one year period. I have no issue with this charge but, on XX/XX/XXXX I received a duplicate finance charge in the amount of {$820.00} once again. I have since paid my balance in full and, contacted the creditor on three separate occasions attempting to retrieve my {$820.00} but, I am always given the same response " It is because I didn't pay in full by the end of the promo period ''. I understand that is why I received the initial {$820.00} promotional finance charge but, I should have not received an additional finance charge of the same amount during the same billing period for the same reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX / XXXX XXXX reported that I am 30 days late to credit reporting bureaus even though I had made arrangements to pay late with a promise they would not penalize me. I paid as promised and they reported me 30 days late anyway. Their agreement with me was extremely misleading and this was the first time I was in this type of situation with my payment and I have been a good customer. Please have them remove the late payment on my credit reports.
Product: Credit reporting 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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was a sub-prime auto loan I got in XXXX to help with my credit rating since I had a foreclosure on my credit report. I needed credit, and this loan for a car i bought from a dealer in XXXX was something I thought I needed to help get my credit report in good standing. 
The loan turned out to be a nightmare with Ally Financial. I have a report on file with you, the CFPB. My issues with their fabricated payment history I thought was over in XXXX, when I was able to pay the loan off early. Wrong! They continue to report false information to the credit reporting agencies to this day. They are reporting 9 late payments on my loan which is very far from accurate. They continue to make my life miserable as I am still trying to get my credit score up to 700 to buy a house. 
I thought since I paid my loan off early, they would stop harassing me in the ways described in my report on file with you, the CFPB. It is clearly a case of predatory lending, and now it is clearly a case of predatory fair credit reporting laws being broken. 
I ask the CFPB to please make Ally Financial to stop reporting my loan in any way to the credit agencies as I made good and paid off a bad loan, they should make good and leave me alone and quit falsely reporting my payment history to the agencies. 
My info on file with the CFPB : XXXX XXXX XXXX XXXX. XXXX XXXX, # XXXX, XXXX, AZ XXXX.