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

I'm here to complain Citibank that 1 Citibank made the promised sign-on bonus illegible by closing my checking 's account without notification. 

2 Citibank made misleading advertisement on their sign-on bonus offer. 

I signed up for Citibank 's sign-on bonus offer in XX/XX/XXXX per their ad online. I can't find the version but the current version can still be seen at where the only difference I can see is the updated date : XXXX XXXX   XXXX? XXXX & XXXX On that page it states 4 requirments : " Heres How it Works : Open a new eligible checking and savings account in the Citibank Account Package between XX/XX/XXXX XX/XX/XXXX . 
Within 30 days of opening your account deposit {$15000.00} New-to-Citibank funds into the new checking and/or savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 consecutive calendar days. 
Get {$400.00} deposited to your account! '' I funded {$15000.00} to the saving 's account and kept the fund there for over 60 days which is due on XX/XX/XXXX. I called in and talked to a Citibank 's financial adviser and was confirmed that I'm qualified for the offer. But I received an email from Citibank on XX/XX/XXXX to inform me that I " have not fulfilled the Offer 's required activities '', and the reason is that my checking 's account is closed by Citibank per their policy of " XXXX  balance for over 90 days '' but without my permission and without any warning/alert/Notification. 

Therefore, this " non-XXXX balance in checking 's account '' should be the fifth requirement on top of those four mentioned in their advertisement, but Citibank failed to stated it clearly along with the current 4 requirements in their advertisement. Instead, it's only in the fine printing, which is very misleading. 

I called Citibank multiple times and talked with 2 supervisors, they wont make it right but only agreed to submit a dispute for me.
Product: Debt collection

I received a voicemail on XXXX/XXXX/15 from someone named XXXX from Mediation Recovery Center at XXXX stating that they never heard back from me & that they will be calling my job tomorrow. They contacted my job the next morning without my consent & threatening me on the phone that they have my ss # & will verify my pay to garnish my wages! I told her she is not allowed to call me at work & she kept blabbing on then hung up on me. I contact XXXX from Mediation Recovery Center @ XXXX to let her know not to contact my work and that I have rights, she proceeded to say that she will call to verify my pay they have me recorded and that I should pay my bills then hung up.Again she made threats and not once in that conversation did she mention that I was on a recorded line.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a bankruptcy that is appearing on my credit report ( s ) multiple times as having incorrect information and therefore causing me to think I was a victim of identity theft. Ive disputed multiple times, and even requested them to provide me with the the method of verification. When I was supplied the method of verification, it even listed a completely different court than is currently showing on my credit report. I need the bankruptcy that is showing on my credit report removed as soon as possible, as the incorrect information is damaging my ability to obtain credit and hurting my good name.
Product: Credit reporting or other personal consumer reports

I have unauthorized accounts. Credit cards with charges,. Data breach equifax breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 my 5th 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, SC XXXX XXXX XXXXXXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00}
Product: Debt collection

XXXX XXXX XXXX, PUT A COLLECTION ON MY CREDIT REPORT THIS MORNING. I NEVER HEARD FROM THEM OR OF THEM, EVER RECEIVED A LETTER INFORMING OF THIS ALLEGED DEBT AND FURTHERMORE NEVER GAVE ME THE OPPORTUNITY TO DISPUTE, WHICH IF THEY HAD I WOULDVE BEEN ABLE TO LET THEM KNOW THIS IS RESULT OF IDENTITY THEFT. I HAVE ATTACHED THE IDENTITY THEFT REPORT, THE LETTER TO XXXX XXXX XXXX AND THE NOTICE TO FURNISHER IN THIS COMPLAINT. 

All furnishers must have in place reasonable procedures to respond to notifications from XXXX  that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
Product: Debt collection

XX/XX/XXXX : I was contacted by XXXX XXXX XXXX ( agent name given was XXXX XXXX ) regarding a debt with Santander Consumer USA Corp. I was told I owed {$3200.00} and Santander were seeking legal action against me. I advised this debt was settled in XXXX. The debt collector proceeded to tell me this was a scam and the amount I paid didn't go toward the debt. 
I backtracked and ended up with a Santander compliance officer named XXXX XXXX. Mr. XXXX called XXXX with me and asked XXXX about a cease and desist order Santander had against XXXX XXXX, and to speak with the owner of XXXX XXXX XXXX, XXXX XXXX, and XXXX hung up. I have not heard from XXXX XXXX XXXX since. 

XX/XX/XXXX : I was contacted by a company called XXXX XXXX. The agent stated their name was XXXX XXXX with mediations and resolutions. Phone number on my caller ID was XXXX. I was advised Santander sold them my account " two weeks ago ''. I was threatened a tax lien and wage garnishment. The debt was {$4000.00}, however, they would settle for {$1000.00} and the government would pay the rest through a Covid 19 grant. Once I paid them, I would get a paid in full letter. 

I have a paid in full letter from when this debt was settled in XXXX of XXXX. I also received a 1099C from Santander for the XXXX tax year for their write off. 

This complaint is against XXXX XXXX XXXX and XXXXXXXX XXXX for trying to collect a false debt. Also for Santander Consumer USA Corporation for releasing my personal information to these scammers.
Product: Debt collection

My credit report shows a balance with a company called XXXX XXXX XXXX services. I have paid off XXXX XXXX and included the proof below. Yet when I log into my account, I still see that XXXX XXXX is showing up as a collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian/XX/XX/XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts :
Product: Money transfer, virtual currency, or money service

On XXXX, XX/XX/2020, at XXXX XXXX, I received money ( XXXX USD ) from Translators Without Borders ( XXXX XXXX ) Through a money transfer agent known as Wise ( Transfer Wise ) with reference number XXXX XXXX. 

I went ahead and registered with Wise in order to receive my money, however, I have never received that money in my bank account. 
At first, I suspected that I might have selected the wrong bank ( XXXX bank instead of XXXX XXXX bank ). 

I reached out to Wise, however, according to their policy, they do not consult receivers rather they consult with the senders, so for the next XXXX or more months, I had to contact my money senders ( XXXX XXXX XXXX who in turn consulted with Wise. 

Wise made it clear that the transaction was completed, however, they couldn't specify on which account the money was deposited. In case if the details I entered were wrong, Wise couldn't confirm if the money would return to the sender or if the transaction failed. 

I have since reached out to anyone I could about the matter without help until I previously tried to make a complaint. 

I have all the emails and conversations with all parties involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX CHILD SUPPORT ENFORCEM Account # XXXX Request for Debt Verification Page To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX  v.XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX Circuit Court, XX/XX/XXXX.. 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( Equifax, XXXX  or XXXX ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card

Dear CFPB, American Express sent me an offer to apply for the Business Rewards Gold card via my online banking bill pay screen. The offer was for XXXX membership rewards points for signing up for the card and spending {$5000.00} in 3 months. I pulled up the application today XXXX/XXXX/2016, as the offer expires XXXX/XXXX/2016 and I wanted to apply for the card before it expires. 
The offer showed the terms and conditions, and I read through them. There was nothing that denoted I would be ineligible for the card. 
I called to apply for the card but was told by the American Express membership rewards department agent, XXXX, that I was in fact ineligible. She apologized but cited terms and conditions that were not listed in the original offer that I had received. 
I think that this is incredible unfair. 
An offer that is mailed from AMEX to the consumer should include all terms and conditions. AMEX was apparently withholding the full terms and conditions. 
I feel that I have been mislead as a consumer, and that my time has been wasted. 
I had been planning on apply for this card all month, and now that I went to do so I was unable to proceed. 

I feel I deserve to be eligible for this card. 

AMEX needs to allow me to sign up for the card and receive the bonus, and this was the offer they originally sent me.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Debt collection

On XX/XX/2019, my grandmother in another state and my brother-in-law ( old landlord ) received a phone call stating that the debt collector was called Global and that they were calling regarding a balance with the XXXX XXXX XXXX  and that if I did not give them a call back in 30 to 60 minutes I would be served papers and sued. The claim number this company provided for me was " Global '' provided was # XXXX and they called from XXXX. I called and left a voicemail around XXXX XXXX  PST. 

I received a call around XXXX XXXX PST from a man that was aggressive in asking me personal information and when I asked questions, he told me to " shut the XXXX up '', " you're going to be served '' and " good luck in jail ''. I hope the call was recorded. If so, please request a recording. I can provide additional information if needed. I checked the XXXX XXXX  XXXX website, checked the online court cases and found nothing. I had never received any written notification from this company. I called back and spoke to another rep named XXXX said it was for XXXX XXXX XXXX payday loan in the amount of {$300.00} something dollars. I asked why they never reached out to me before. They said they didn't have my address. I said I know I've updated it with the postal office, why did I not receive any written correspondence? She said she wasn't sure and asked me if I had been served yet. She said that someone was looking to serve me and I gave her my card information. 

I spoke with XXXX XXXX XXXX and they confirmed they did not call me. I looked at my collections with debtors and I don't see XXXX XXXX XXXX listed. Please help. This company now has my card information and the last four of my social security account.
Product: Debt collection

Receive a notice of unpaid electronic fund transfer from Trs recovery services They are charging me {$50.00} for each notice Which Ive never ever seen this in my life or heard of telecheck services They wrote The above electronic fund transfer was returned by your financial institution unpaid. Telecheck services ( telecheck ) now owns this dishonored eft and has placed the debt with Trs recovery services ( Trs ) for collection .telecheck has also entered information regarding this debt into its nationwide database, as a result until this item is resolved I literally dont understand what they are talking about and I may need help with this
Product: Credit reporting, credit repair services, or other personal consumer reports

I followed Credit Karma 's recommendation an began paying down debt and got a credit card to decrease my credit utilization. So I pay off a XXXX loan and apply increasing my credit utilization by an additional {$7000.00}. 

So, for some very quick math, that is a positive increase of {$12000.00} and a decrease in credit utilization. 

This information ( following their recommendations a credit experts ) is incorrect because in the time sense doing this, my credit has dropped by XXXX ish points! that may not sound like a lot, but in this ridiculous mortgage rate time it is. 

I would love for them to reply with how they plan on fixing this, and how they plan on not steering customers wrong in the future.
Product: Credit card

I have tried calling. Citibank to verify my account after I opened the card and made XXXX purchase and my account was flagged for fraud. I Tried calling them XXXX  times. They want to verify using my phone number, but she couldnt get a text wont go through. They also tried texting XXXX other Members of my family and none of the texts went through. Its a stupid system. Since they cant verify my account, they refuse to let me user my card. Why cant they send an email to the email in my account?? Its a stupid system and now I cant use my card. I dont know what else to do. Something needs to be done about their fraud protection system. It doesnt work and makes no sense.
Product: Credit card or prepaid card

I had 19 weeks of unemployment deposited on to a way2go card which I believe is from conduent, it's the default payment method for recipients who don't have direct deposit, I recieved notification that payments were made and I'd recieved my card in 5-7 days, waited 7 days and never recieved it so I called the company and they charged me 15 bucks to cancel the original one and to sent me another through Ups with a tracking number, finally recieved it and had a XXXX dollar balance, tried to use card and it worked for several transactions then started denying all my transactions, I called they said it would be fixed in 24 hours, waited 24 hours then went to store to try again this time it worked for a little while then started denying all my transactions again, so I called them again and this time they said it would be fixed in 48 hours and wouldn't have any more trouble, Well 48 hours later I decided to call before I went to town and they told me this time that I'd ha e to send in proof of my identity, Id or social security card and birth certificate, well I don't have an ID at the time just some copies of my old one I'd used for other places, I sent them everything I had, they emailed me back and said it was accepted and sorry for any inconvenince it caused for me to call a XXXX number, I called and they said that the email was wrong and my Id hadn't been accepted, I started trying to borrow the money to go renew my I'd, well two weeks later I finally get my ID and send it to them and now they say they need my SS card and birth certificate front and back, I don't feel right sending them every bit of my identity when their website says they will never ask for my SS number via email which is exactly what the emails tell me to include, now there {$7300.00} on my card from the unemployment office that the payments company will not give to me, they always find something else or they say they didn't say one thing or another, I have the emails from them and have done everything they asked me to! They are the frauds I really do believe there's something wrong with the company! My power has been shut off and rents past due about to be kicked out and have no where to stay! I've already switched weekly payments to direct deposit and if I'd had done that before the payment for my backpack were made I wouldn't be suffering like I am now! Crazy how this company just keeps adding to the stress and pain in my life especially at a time like this!