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

I received a letter in the mail from Citi advertising a {$200.00} cash bonus promotion for opening a new checking account. There were some things to do in order to receive the cash bonus - send 2 payments using the account. I signed up for the account on XX/XX/XXXX. I completed the required funding ( XXXX XXXX  ) and the payments by early XXXX. I then called Citi 3 separate times to confirm that I had completed all the requirements and that I would receive the {$200.00} bonus. Each time, they assured me that yes, the bonus was coming and I just had to wait. Then Citi charged me XXXX XXXXXXXX for low balance fees in the account. It's now XX/XX/XXXX and I've just called Citi again to check on the {$200.00} bonus. They again gave me no answers and this time just said " they'd look into it '' and that maybe I didn't click some enrollment button? I then closed the account to stop getting charged these XXXX XXXXXXXX fees. The whole process is absolute garbage. Why would you send me a letter in the mail advertising a {$200.00} bonus and then make it impossible to get? Should the person receiving this letter need to call 10x in order to receive the bonus? This whole thing is a consumer trap and their customer service department is all based in XXXX and has no idea what's going on. They just try to placate you enough to get off the phone and then wear you down so you won't call back again. I absolutely terrible process and customer service. Not to mention that I've been a Citi credit card customer for over XXXX... insane this is how they treat customers.
Product: Mortgage

On XX/XX/2024. Spoke to a XXXX XXXX who updated my financials. 

She did state my investor is XXXX XXXX. 

I requested a XXXX  month extension of the foreberance since I just started working and got way behind on taxes. The additional XXXX  months will allow to catch up taxes. 

XXXX  my investor allows for an extension beyond XXXX  months, Bank of America did not approve an extension of the foreberance. 

She then submitted for a repayment option and the only option that came up was for a loan modification. 

My investor allows for a payment deferral option, but Bank of America has not allowed XXXX. 

I am not interested in a loan modification, but a XXXX months forbearance extension and a payment deferral option.
Product: Vehicle loan or lease

The balance owed is showing additional money since signing. Instead of XXXX it now reads XXXX on XXXX. The interest rate and balance owed are wrong. This XXXX XXXX, XXXX XXXX XXXX GM Financial is all a big scam.The {$2500.00} in addition is fraud. There IS NO cilajet on the car & the theft deter extra {$990.00} was already listed on the sticker price. It's them Hiding money to make it look legit. I should have a balance of {$14000.00} @ 0 %.
Product: Credit reporting or other personal consumer reports

Dear Experian 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. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting XXXX XXXXXXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account. 

9. there is some inaccurate information reporting XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

10. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

CitiBank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Mortgage

After my experience banking with US Bank, I can say that I do not trust them to service my mortgage loans. Their systems, processes and management style are extremely inefficient and incompetency is a severe problem with even the smallest of requests. I would not and will not be recommending them. Sadly, the issue isn't with customer service ( they've been extremely helpful ) it is with US Bank 's nonsensical and inefficient procedures and company organization. 

Here is my story : On XX/XX/2019, I sent a request to US Bank to send me my credit from DC 's Tax and Revenue office. I called them to confirm receipt of my request and was told that it had been received and a research request had been opened. I would receive my refund by XX/XX/XXXX. I called US Bank several times from XXXX to XX/XX/XXXX to check in and was reassured that they had all the information that they needed from me and that they were working on getting my refund. No worries. 

I called on XX/XX/XXXX and was told that there were NO updates to the research. Their Tax Team reassured me that they had made a request and that someone would get the request fulfilled. However, when I spoke to the Adjustment Team at DC 's Tax Office NO ONE from US Bank had sent a request for a refund. When I questioned the rep from the Escalation team about this, they weren't able to explain. The rep called DC 's Tax Office herself and was given instruction on how to file a request for credit with their office. They simply need to send a request in writing via email. Over four months and US Bank was NOW doing the supposed research to figure out the process for requesting a refund - it wasn't even someone on their research team. What was even more frustrating was that the Escalation rep couldn't do anything with the information she received other than put a note on my request for this so called " research team ''. This is a waste of time for myself, the Rep and this research team. The rep should have been able to send this request herself or send me to someone who could get this handled IMMEDIATELY. 

So now its over four months and I'm still waiting on them to send this email. There isn't even a process for resolving and expediting an outstanding issue like mine where it's clear that they were in the wrong. I've had to reach out to several Audit Managers via XXXX because there are no accessible contact information other than the generic customer service email. 

No one has called to apologize and/or help me. I am regretful having to use them as my mortgage company. I would not recommend them and highly suggest going for a bank that cares about thoughtful management and processes and most importantly about immediate service.
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 TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

For few months now I have reached out to the bureaus and to the mortgage company for the XXXX time XXXX day late on my closed mortgage account, the company has responded but it feels like its general standard letter they send to anybody who has any questions or concerns. I was under induced medical comma in the hospital, that is why my payment didn't go through by the time I realized it it was too late. I have XXXX debt, I have never had any late payments on any of my mortgage accounts you can see that on my credit report. I kindly ask you to remove the XXXX time XXXX day late from XXXX of XXXX. Please as a good faith, as XXXX time curtesy please remove the XXXX time XXXX day late, again this would have never happened if I was not in a comma. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported my mortgage as being late 6 or more months which has a derogatory effect on my credit score. They need to correct it NOW and quit reporting false information!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Debt collection

MIDLAND FUNDING via my account being sold to them by XXXX XXXX has been illegally charging me fees in excess of over {$2000.00} for a computer purchased in XXXX/XXXX/2006. The original amount owed : {$1200.00}, and the amount I have paid into the debt due to their illegal practices : {$2900.00}. The amount they have sent to the debt collection agency-MidlandFunding {$3500.00}. I have included copies of the paperwork that shows the double billing XXXX added to my account each month that I paid my bill. They added late fees every month, no matter what date I paid within the month, and added huge amounts of additional finance charges ( not all the same amounts ), and sometimes XXXX in one month so that they could keep illegally charging additional fees to my account. This debt was paid and I want to file against XXXX and Midland Funding for their deceitful practices of double charging customers every month for over eight years. As you will determine from the paperwork proof I have provided, that this debt is invalid and XXXX should be fined for these practices. Midland Funding and XXXX claim they have been sending me bills to an address I have not occupied since 2006. I signed off on no new finance charges etc as they claim.
Product: Credit card or prepaid card

I rented a car with XXXX in XXXX, Oregon from XX/XX/XXXX to XX/XX/2020. I returned the car on XX/XX/XXXX, it checked out clean and I left with a XXXX  balance. I closed this card with Barclays bank ( Aviator Red Mastercard for XXXX XXXX ) on XX/XX/2020 with a XXXX balance. Then on XX/XX/2020, a charge from XXXX appeared for {$520.00} on this card. I had gotten nothing in writing or verbally from XXXX that there was any kind of an issue. When I noticed this charge in XXXX, Barclays removed it when I identified it as fraud. Then, in XXXX, they put the charge back on! They refuse to drop it and are adding late fees and interest. XXXX says it is for damages, but have provided no proof of any kind despite numerous requests from me. Barclays claims that XXXX provided them with a different car rental contract that terminated on XXXX XXXX. I purchased no such thing, as I was in Florida ( and live there full time ) in XXXX. If in fact they did find damages, the credit card I used with Barclays to rent the car has full damage protection and could have been used to cover the cost of repair. As it stands, I was not given the opportunity to use this service. I really REALLY need your help at this point. I am a XXXX year old single mom with a daughter I am trying to put through college. This is ruining my credit and neither company will help. I have written both of them via fax, mail, and email, and have called numerous times. I am getting nowhere. Please help!!!
Product: Mortgage

I applied for a standard XXXX loan modification from Chase Bank. My income as reported is {$4500.00} per month. I have XXXX. The bank has refused to acknowledge these facts. Chase awarded me a modification that was 42 % of my income.
Product: Credit reporting or other personal consumer reports

I applied for a Neiman Marcus store card issued by Capital One around XX/XX/23. I did not receive any correspondence regarding the application and didnt even know if it went through. The only way I found out that anything had taken place was when I saw a hard inquiry on my XXXX report. I was told that my application was denied because Capital One could not gain access to my XXXX and XXXX reports. Only discovered this once I called to ask why there was an inquiry. There are no letters or notifications in my Capital One account or Neiman Marcus account pertaining to this application. I was not requested to lift the freeze in any way. I requested that the hard inquiry on my XXXX report be removed as the application was not complete. Capital One stated that they needed access to all 3 bureaus to make a determination. However, the representative would not honor that fair and reasonable request. I have been penalized by other creditors whom I have cards with for having too many inquiries after Capital Ones reporting.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter
Product: Student loan

I changed on XX/XX/XXXX my due date from the XXXX to the XXXX. However, the auto debit for XXXX still processed on XX/XX/XXXX, even though the new due date is XX/XX/XXXX. The servicer has no record of my {$2600.00} payment on XX/XX/XXXX and cant apply it as a credit to my account or refund it.
Product: Credit reporting or other personal consumer reports

This is my 2nd endeavors to tell the 3 credit bureaus 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$320.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my personal credit report, which I acquired fromExperian, XXXX. I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XX/XX/2018 and XX/XX/2018. I did not recognize or authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Product: Debt collection

IC Credit Systems has reported on my credit report a debt that has already been paid by XXXX XXXX XXXX. The rep stated that she sees where the debt was recalled and sold in her system.
Product: Credit card or prepaid card

kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.
Product: Checking or savings account

An inquiry was made to address the unauthorized creation and migration of accounts by bank staff. When it was asked about how this happened it snow balled from there. When inquiry was made of a CD opened XX/XX/XXXX no record could be found as stated by Wells Fargo 's staff whether opened or closed? This follow up was in accordance to a claim for faulty opening and creation of alternate accounts. This included a bank checking & savings account and a credit card both bareing the names of each of us. We had been customers for over 40 yrs as my wife was once the XXXX XXXX to the banks V.P. a position she left in XXXX. In XX/XX/XXXX my wife passed away, I then closed the checking & savings accounts along with submitting a claim to collect the last of cash deposits followed by paying off the credit card we held together. I soon received a letter from the bank informing me that that had closed my credit card after the last payment and where discontinuing my access, thanking me for their business. They clearly sought to divorce themselves of any involvement with me and my wife. I still retain proof of all accounts with Wells Fargo and am also a claimant in the lawsuit. I have yet to receive any answer to the savings CD we established. The document is signed by the bank representative with instructions noted that at maturity it is to be reinvested. To access the funds, both parties are required to sign for the money to be cashed out. This never happened!
Product: Debt collection

My ID was apparently stolen and placed on the dark web for sale about a year ago. I suspect this is where the perpetrator obtained my ID. An account was opened with XXXX XXXX on XX/XX/XXXX using my stolen ID. This account was active until XXXX XXXX, XXXX. I was not aware of this account until XX/XX/XXXX when a collection was recorded against my credit. On XXXX XXXX, XXXX I called XXXX to report this account as not being mine. I have since placed a lock on my credit report with all three credit agencies. 
On XX/XX/XXXX, I contacted Transworld Systems, Inc. ( XXXX ) XXXX ) and spoke to XXXX XXXX, who was only interested in collecting the debt. She gave me the phone number to XXXX XXXX, the original creditor, ( XXXX ) XXXX. I called XXXX XXXX and spoke with XXXX XXXX that same day. She indicated that I must provide a copy of this complaint I am now filing with you along with a police report. I told her I just went through this process with another debt collector and the XXXX XXXX XXXX XXXX. refused to write up a report siting the low priority this complaint has and that they would be writing up complaints all day for this type of complaint. I will attempt a second time to see if I can get a police report. XXXX XXXX has provided me with the account number, the period in which the account was active, the address of service, and the email that the perpetrator used for communications. I have provided this information to as an attachment.
Product: Money transfer, virtual currency, or money service

Someone hacked my PayPal account. They added their own email as a primary email. Then they added a bank account. Then they initiated a transfer from my bank account to their bank account. I reported to PayPal but PayPal has said there's no unauthorized access, which is ridiculous. It was all done on XXXX XXXX XXXX