23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/XXXX and on XX/XX/XXXX I saw on my XXXX XXXX XXXX report. On XXXX and XXXX Experian credit report. They have inquiries that are due to identity theft. XXXX XXXX inquiry is XXXX XXXX. On XXXX is 2 inquiries one from XXXX XXXX XXXX and from XXXX XXXX credit card cos. These inquiries was not done by me. Also Experian has XXXX inquiry. These need to be taken off. Not done by me. Its identity theft. Also On XX/XX/XXXX. I reported to you Experian ... XXXX this TodayXX/XX/XXXX I went check my credit report as I do monthly. I found 1 inquiry from XXXX. 4 accounts from the same company. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX. ( XXXX XXXX XXXX amount of {$340.00}. Second amount {$1100.00}. Third amount {$650.00}. XXXX XXXX {$220.00}. After reviewing my documents this matches. The same amounts from another creditor account already disputed and off my credit reports do to identity theft. The creditor company was called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX. This company creditor have the same amounts due as above. This means that the creditor changed collection agencies. Still show amount due. From a different company with the same amounts due. Even when its identity theft. As of today yes its still on my credit report!! SoXX/XX/XXXX its still on here ... XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX. ( XXXX XXXX XXXX amount of {$340.00}. Second amount {$1100.00}. Third amount {$650.00}. Forth Amount {$220.00}. these 4 accounts need to be taken off my report its identity theft. This creditor needs to stop changing collection agencies. To try to get money out of me when it identity theft. This credit was notified in XX/XX/XXXX. That these accounts are identity theft. The creditor refuses to stop trying to charge me. They keep changing collections agencies. Still shows up months to a year later with the same amount due. This is wrong and illegal! take this off block it
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit and notice an account opened with a balance that I did not authorize to be opened I contacted the company to have it removed and it has yet been resolved
Product: Credit card

Chase was offering a " refer a friend '' promotional offer if I refer a friend and they signed up for the Chase XXXX XXXX Credit Card and spend {$4000.00} in the first 3 months after account opening. For referring a friend I was to receive XXXX K bonus points. I sent the referral via email ( the promo was in email and required the friend to click the link in the email to sign up ) to my fiance whom I live with. I watched her click the link and sign up for the card. She subsequently spent the {$4000.00} within the 3 months as stated in the promo offer and received the XXXX bonus points. However, I was notified by Chase that I will not receive the XXXX bonus for referring her because " she must not have follow proper steps '' as noted in the letter I received from Chase Customer Service. She signed up for the card, spent the required amount and received the promo offer however I did not receive my bonus as explicitly stated in the offer. Chase should review their platforms handling the referral process for any errors.
Product: Checking or savings account

{$10.00} was withdrawn from my account by XXXX XXXX twice, so {$20.00} total on my XXXX XXXX debit card on XX/XX/2024. XXXX direct refuses to let me dispute the transaction with them and said to contact the merchant. I contacted XXXX and they confirmed that I do not have a XXXX XXXX account, and therefor cant find the charges because I have never had a XXXXXXXX XXXX XXXX account. XXXX direct refused to let me XXXX way or have the XXXX XXXX call and talk with them to help place a dispute. They say if I use XXXX XXXX  I am not eligible to dispute the charge. I dont have XXXX XXXX account so there is literally nothing I can do on my end and Doordash direct will not dispute these fraudulent charges on my account, in addition they are charging {$5.00} to issue a new debit card. My other bank account was also fraudulently charged numerous and larger amounts, but they stoped the charges, contacted me and they are disputing the charges, these charges also from XXXX XXXX. XXXX XXXX was also not able to find an account related to these transactions using my debit card, because I have never used XXXX XXXX.
Product: Checking or savings account

Wells Fargo ran a promotion for their premier checking account and advertised {$2500.00} bonus when transferred certain number of assets. I have been rejected the bonus because my US tax identification was not on the account. I had mortgage with them and they could have reached out if they required tax info ( even after reaching all the conditions ). They got everything needed at bank and confirmed that they had everything when I converted the account to premier. 

This feels like a bait and swithch tactic by wells fargo, they got my business, got my asstets transferred and then rejected ny bonus for not havin tax id? How did you even get my assets without tax id?
Product: Credit card

I am filing a complaint against Capital One regarding my credit card account. I have had a restriction put on my account for the second time. They are stating that they feel like this account was opened fraudulently. I already sent in documentation : drivers license, social security card, utility bills, and contacted them multiple times to confirm that I in fact did open this account and that is it valid. Then they said that the restriction was because of a payment for {$120.00}. So, they asked me to send in my bank statement and I did that. They also changed the address on my account without my knowledge or authorization and have been sending correspondences to my old address stating the same issue of them feeling that this account is fraudulent. Then they sent a letter stating that once they have received my bank statement proving ownership of the account they would remove the restriction. I confirmed with them that they received the requested documents but they are still unwilling to remove the restriction. They keep giving me the run around. They are very unprofessional and rude. They keep giving me different reasons why they cant remove the restriction. They have told me that they need 7-10 days to review and its been well over that amount of time. So, the account is just at a standstill. I cant use the account at all. Everything they have asked of me I have done and they are not doing their part. This is my credit and they don't care. They keep you on hold for long periods of time and then just hang up on you and put notes on the account that the customer disconnected the call. That is a lie. They are doing things how they want to and aren't following the proper protocol as they should be. They feel like since they are the credit card company they can do as they please. That's not right and its not fair. I have validated this account multiple times already. So it shouldnt be any question about this account at all. I am getting stressed out having to deal with them, and nothing is being done. I should be able to use my account, that I opened without any more hassle. But when you ask for the corporate number they tell you that they either don't have that information or cant give it out. I am sick and tired of going through this with them. I should not have to deal with this and my account should be fine because I have done everything they have asked of me to do. These creditors need to be held accountable for how they treat customers and its just not right for them to be able to get away with treating a customer this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its a derogatory account on my credit report name RECEIVABLES PERFORMANCE stating that I owe {$130.00} in collections which is incorrect because my account is still active and open with XXXX  who illegally sold my information as debt when it is not debt and no balance is owed because my account is still active and open!!!
Product: Mortgage

Oh Thursday, XX/XX/XXXX, I was contacted and spoke to a Loan Originator at AmeriSave ( XXXX XXXX ) who stated that she was part of special department within the company that is part retention and keeping existing clients. At that time, I had started the process to do a refinance with another company. She mentioned that because I am current client, the process would be completed within 2 to 3 weeks ( tops ) and they could offer further discounts.

I did end up Locking in that evening at the discussed rate, terms and points. By the following morning I get disclosures and the Lender fees thousands of dollars higher than initially discussed along other changes. I pointed that out to XXXX XXXX, who told me it was mistake in the system due to heavy market changes that evening but what I locked in for would stand. She just needed to get a manager to update it. That was on XX/XX/XXXX. 

For the proceeding few weeks I would contact XXXX XXXX to ask on status the little response I received was that she does not know what happen and management will update it. By XXXX XXXX ( over a month later ), I speak to a manager XXXX XXXX, who clarified that XXXX XXXX entered the lock in incorrectly which caused the Lender Fees to increase. He apologized and stated it would be corrected. 

Another couple weeks go by, with little update and no change. By XXXX XXXX I receive updated Closing Disclosure, but the Lender Fee is still higher than my initial lock ( over {$800.00} higher ). I pointed that out to XXXX XXXX and forwarded him the information from XXXX XXXX that showed the rate and time of the lock. I was told I would hear back from him within the next day or two to confirm an update I have yet to hear back on this.
Product: Credit reporting or other personal consumer reports

A credit balance was maintained on the account to pay for the upcoming charges. XXXX XXXX XXXXXXXX claims a refund was processed and deposited into my XXXX XXXX XXXX account which was never verified. When I was made aware that the account was reported to be 60 days past due, I contacted the bank and disputed the late fees and the report. The bank still claimed a refund was deposited into my checking account which they were not able to verify. At this point they are reporting my account as delinquent to credit reporting agencies and holding me responsible for late fees. XXXX XXXX  XXXX has been in possession of over XXXX XXXX dollars, and they are still charging me interest and late fees. At this point they claim the funds were refunded to the state and I should claim the fund from the state. This is an unfair practice since they have had the funds in their possession all along and the only reason, they can provide is their accounting methods that resulted in a credit refund. I still have not received the refund in any of my bank accounts as it was claimed by the bank. Please help stop this unfair practice!
Product: Debt collection

X/XX/17- I called the ( XXXX ) XXXX number to which it was answered " XXXX XXXX. '' I advised I was calling back to find out about a debt. I spoke with a male ( dont recall him identifying himself by name ). Advised him that I was calling about my debt and wanted to make arrangements. He asked how much I could pay and I said I could pay {$100.00} today and at least {$100.00} a month. Naturally, I advised I would pay more if I could- which I did NOT expect him to take my word for it, but wanted to mention it because I DO want to clear up my debt. He commented " that 's not how it works '' and put me on hold. He said they would not authorize that small of a payment and lectured me on fees and interest. I asked what they would accept and he said {$190.00} and some change with the first payment being in XX/XX/XXXX etc. I asked for it in WRITING and advised I would pay by mail to which he became very unprofessional and said that was not possible. I told him I wanted to make payments but I would not allow them access to my bank account for automatic payments as I 've had a bad experience with this in the past. He refused to send anything by mail- I have NOT received ANYTHING from Practice Financial by mail at all. I can not even find what appears to be the correct company on the internet. I called back and asked for a supervisor who was XXXX ( long last name that I could n't understand ) explained the situation and how unprofessional the first man was and he became just as unprofessional and rude. Again, would not allow by mail payments and questioned my debt paying practices and why I would get this loan if I ca n't pay it etc. I do n't appreciate being badgered. I have worked with the public since I was XXXX and I can not imagine talking to someone the way they talked to me- I was in tears by the end of the phone call. He kept mentioning that if we end the call, the company would litigate against me ... but would not accept my payments by mail ... therefore he was REFUSING to take money to pay on the debt and would not make any options for me to resume paying down my debt and taking care of it. By telling me " if we end this call, we will litigate against you '' I felt I had to stay on the phone and continue being harassed, humiliated, belittled and badgered and I finally could not take the abuse anymore- I ended the call with " See you in court. '' I have EVERY intention of repaying this debt- unfortunately circumstances did prevent me from taking care of it and allowing it to get this far. Everyone has a story, so I 'll save mine. But if I ca n't work with them, how can I repay? Abuse is not ok.
Product: Credit reporting or other personal consumer reports

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for reference.
Product: Mortgage

It is important that the CFPB review and post this complaint as a matter of public interest. On XX/XX/2018, The Second District Court of Appeals of Florida issue a decision of great public importance regarding the enforceability to a HELOC note in the State of Florida. The second District Court of Appeals came to the same conclusion as to the Fifth DCA Court of appeals and held THAT A LINE OF CREDIT ( HELOC ) WAS A NONNEGOTIABLE INSTRUMENT BECAUSE IT WAS NOT FOR A FIXED SUM. THE HELOC NOTE FALS TO REQUIRE THE PAYMENT OF A FIXED AMOUNT OF MONEY, MAKING IT NONNEGOTIABLE INSTRUMENT. AS SUCH, IT WAS NOT SELF-AUTHENTICATING. THE HELOC NOTE IS NOT A SELF-AUTHENTICATING NEGOTIABLE INSTRUMENT. BY ITS OWN TERMS, THE NOTE ESTABLISHES A CREDIT LIMIT OF UP TO XXXX FROM WHICH WE COULD REQUEST IN ADVANCE AT ANY TIME. FURTHER, THE NOTE PROVIDES THAT ALL ADVANCES AND OTHER OBLIGATIONS WILL REDUCE YOUR AVAILABLE CREDIT. THE HELOC NOTE WAS NOT AN UNCONDITIONAL PROMISE OR ORDER TO PAY A FIXED AMOUNT OF MONEY. WITH OR WITHOUT INTEREST OR OTHER CHARGES DESCRIBED IN THE PROMISE OR ORDER. THE DISTINCTION IS NOT ESOTERIC LEGALESE. FLORIDA LAW IS CLEAR THAT A NEGOTIABLE INSTRUMENT IS AN UNCONDITIONAL PROMISE OR ORDER TO PAY A FIXED AMOUNT OF MONEY. 673.1041 ( 1 ), FLA. STAT. ( 2012 ). IN XXXX XXXX XXXX V. XXXX XXXX XXXX SECOND DISTRICT FLORIDA COURT OF APPEALS, THE APPELLANT ARGUED BEFORE THE COURT THAT THE ENDORSEMENT ON THE NOTE WOULD MAKE THE NOTE NEGOTIABLE AND THEREFORE ENFORCEABLE. THE COURT OF APPEALS HELD THAT EVEN WITH ENDORSEMENT PLACED ON THE HELOC, THE INSTRUMENT IS NONNEGOTIABLE BY ITS OWN TERMS. IT IS NOT A FIXED AMOUNT TO PAY A SUM OF MONEY, RATHER IT ESTABLISHED THE MAXIMUM AMOUNT OF BORROWING POWER EXTENDED TO A BORROWER BY A LENDER, TO BE DRAWN UPON BY BORROWER AS NEEDED. SEE LINE OF CREDIT BLACK LAW DICTIONARY, 949 ( 8TH ED. 1999 ). AT THIS JUNCTURE WE ARE GOING TO FILE AN INDEPENDENT LAW SUIT AGAINST BB & T BANK FOR ENFORCING THE TERMS OF A HELOC NOTE WHERE IN THE STATE OF FLORIDA THE INSTRUMENT IS NONNEGOTIABLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I rented an apartment at XXXX. I completed two different leases with them. One for 15 months the other for 12 months in XXXX different apartments. I paid to transfer to a bigger apartment. I was forced to sign a new lease without even seeing the new apartment. I had a good history with them so I did n't think much of it. I was n't aware that the apartments were now under new management. The apartment smelled of animal urine and mold/mildew. The air conditioner did n't work. The stove also did n't work. I was forced to live in this apartment for weeks with no A/C in the summer. I asked management to address these issue numerous times and was ignored. My son has XXXX so I could not live there any longer. I moved out because they did not hold up their end of the lease by providing me a livable apartment. I had to look out of my son 's health.
Product: Credit reporting or other personal consumer reports

IN VIOLATION OF THE FOLLOWING FCRA LAWS FCRA Section 1681b- Restricts access to credit reports only to those with a PERMISSIBLE PURPOSE FCRA Section 1681i - Requires credit reporting agencies to investigate and correct disputed information within a reasonable time. 
FCRA Sections 1681n and 1681o- Outline civil liabilities for willful and negligent noncompliance with the FCRA .

IM REQUESTING THESE ACCOUNTS BE REMOVED FROM MY CREDIT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Due to the failure to address this issue properly, I have suffered damages, including but not limited to : Lower credit score : Resulting in the denial of credit or higher interest rates. Emotional distress : Caused by the negative impact of inaccurate credit reporting. Financial harm : Due to credit denials or unfavorable terms for loans or credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following accounts was disputed FOR ACCURACY several times but no investigation was ever conducted : XXXX XXXX Inquiry XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per my conversation with Transunion Representative today XXXX they have never received letters in mail. 
However attached is my certified return receipt to prove that they actually received it at least 3 times. 
According to FCRA this account must be removed immediately.
Product: Credit card or prepaid card

CFPB team please review Citibank issued Credit card ( Citi DoubleCash Card ) I was recently found out that my credit card transactions were coming up declined and after calling the customer service I found out that Citibank has decided to close my credit card on XX/XX/XXXX It is understood that Citibank has right to close my credit card but with a notice of upcoming closure. They should have given me few days to redeem my rewards that I have legal right to earn as per your terms and conditions across all these years I have had service. In-fact I have accumulated thousands of dollars of charges on the account for which Citi has charged up to 4 % to each merchant i did business with. For tens of thousands of dollars in purchase at the end of the year I earn the Cash back that Citibank stole from me. 
I called customer service on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They are not ready to help. 
I have my rights to redeem my cash back rewards back for each one of these cards : Citi Double Cash Card XXXX $ XXXX {$250.00} Cash Back that was never credited back to the account for purchases I had made until XX/XX/XXXX I send a letter to Escalation customer service and the citibank via USPS mail on XX/XX/XXXX. There was no response received. I had requested all my cash back on my account to be redeemed and credited back to my bank as a ACH payment or check to be issued. Citicards & Citibank is refusing to give me the cashback for which they had clear terms and conditions to honor their rewards. 

It is unjust and unethical for Citibank/Citicards to forfeit my points i collected for past 1 years paying high interest rates for the charges. 

I am looking for a legal decision to be held against Citibank to make these unjust decisions and stealing my benefits. 

Regards, XXXX XXXX XXXX
Product: Debt collection

I have received multiple mailings and phone call ( s ) from First National Collection Bureau about a debt and have informed them over the phone and in writing to contact my attorney numerous times. Most recently I sent them a certified letter which I have receipt of being delivered on XX/XX/2018. 

As you can see from my incoming XXXX phone log a phone call was again received on XX/XX/XXXX from First National Collection Bureau. I informed them I had receipt of my certified letter informing them that I had retained an attorney years ago and that he should be contacted and I would contact the FTC, BBB and my WA State Attorney Office.
Product: Credit reporting

Because I filed bankruptcy and included the derogatory items are already in with the bankruptcy they are shown twice in different areas and should be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022 its has been reported on consumer report that I owed a balance of {$820.00} to XXXX XXXX. However after filing a complaint with the XXXX XXXX XXXX ( XXXX # XXXX ) on XX/XX/2022. I was made aware on XX/XX/2022 in a response to complaint ( Case # XXXX ) that XXXX XXXX no longer owns this debt and has sold it XXXX XXXX. Thus proving the validation by the three credit bureaus to be inaccurate. For 3 months the 3 credit bureaus have reported inaccurate information on my consumer report even after disputing this account. 

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the balance is inaccurate, the balance updated, and the account type reported is not accurate. This ground for removal. Delete this account immediately! 

They also violated the law because according to 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