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

In XX/XX/2023, I received an offer to open a Citi AAdvantage  checking account with a bonus of XXXX miles after completing a series of required activities. I had to make at least 2 direct deposits totaling {$2000.00} within 90 days. I had to make {$1000.00} worth of debit card purchases as well. The email SPECIFICALLY states that I would receive my bonus within 30 days. I have completed all activities more than 60 days ago, and I still don't have bonus. 
I clicked on link provided in the email to open. 
I even called the day I opened the account ( XX/XX/23 ) and confirmed that my account was opened with the bonus. I have spoken to several reps that have also confirmed the offer. I keep getting different answers every single time. One said I had to wait 90 days for the bonus. Another rep said 180 days. I have the email. I know what it says. I have tried to escalate this with Citibank and I haven't gotten anywhere. I just Citibank to honor the bonus of XXXX XXXX XXXX that are owed to me.
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that credit bureaus will investigate this account for me to ensure accuracy. 
Here is the account I am asking you to verify as accurate : XXXX account number : XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 at XXXX XXXX I tried to do a debit card withdrawal at XXXX XXXX XXXX XXXX XXXX ATM machine. It printed a ticket to present to cashier for the {$500.00} requested plus {$26.00} fee for a total of {$520.00}. 
When I went to the Casino cashier to obtain the {$500.00} I was told that they don't process this type of transaction after XXXX XXXX. I asked how about that ticket that the ATM machine printed I was told it will void in a couple of hours and not to worry no charges will be processed. 
The next day I saw the charge submitted to my bank account with Citibank as pending. 
I thought it would clear. It did not clear and the next day it was charged to my account ending in XXXX. I called Citibank customer service to explain that I also could not reach anyone at the Casino. The Citibank agent offered to credit my account of the {$520.00} pending an investigation of the charge. A reference number XXXX was assigned to the case. 
I tried again to call the Casino to no avail, several messages were left with no one calling. 
I submitted an email inquiry on their website with no response. 
Yesterday I received a letter from Citibank service center /Client Research dated XX/XX/2020 ( I received on XX/XX/2020 ) essentially stating I need to submits the receipts of the transaction by XX/XX/2020 or they will charge my account for the {$520.00} previously credited. 
They don't seem to understand that no transaction took place as far as payment therefore no receipt. XXXX XXXX needs to prove the transaction with my signature to document if they ever paid it. That was no investigation from Citibank as far as I am concerned they just want the charge to stand. In this case I think what has started as an erroneous transaction is turning into an extortion and possible Bank Fraud. 
Both XXXX XXXX and Citibank need to thoroughly review their procedures to avoid this type of occurrence. Also I need to be made whole as far as any charges that don't legally belong against my account
Product: Credit reporting or other personal consumer reports

I'm REWRITING to complaint to ONEMAIN about the detailed information on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely obvious and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I go by XXXX XXXX XXXX. My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report number related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus. 
This is a legitimate inquiry of information and declaring.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX NAME : EMPLOYER : XXXX ADDRESSES : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX EXPERIAN NAME : EMPLOYER : XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAME : EMPLOYER : ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX INQUIRIES : XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX A XX/XX/XXXX XXXX XXXX XXXX XXXX CO XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Mortgage

I had a mortgage with XXXX who unfortunately sold it to Capital One. Capital One and I ended up going to court, as they refused to take my payments, stating I owed escrow which was not true. Once that was settled, I tried yet again to make my payment. Yet again, they stated my payment was much more than agreed upon ... they included the escrow. I tried for several months to make my payment. Capital One refused, and kept significantly increasing the amount I owed and the total loan balance skyrocketed!!! I originally owed ( allegedly ) {$70000.00}. They then increased it to {$77000.00}. Now they show {$90000.00} - all in less than a year. After refusing to take my payments again, they sent my loan to XXXX XXXX XXXX XXXX. I went on line to establish an account with them, and hopefully talk to someone. When I tried to pay the {$7400.00} they claim I owe, I was refused to be able to pay it. THIS IS INSANE, CRUEL AND I PRAY ILLEGAL! I called them and was told Capital One 's attorneys are handling this now. XXXX XXXX XXXX # XXXX. I obtained an attorney - XXXX XXXX # XXXX. PLEASE help me get my mortgage down to what I truly owe and let me pay it!! THANK YOU SO MUCH!!
Product: Checking or savings account

My daughter is secondary on my account w/ Chase bank. I am XXXX yr. old F w/ # medical maladies. My daughter is on my acct. IN case of me being hospitalized, or in case of my demise. But since she is on my acct., even though I am owner, she requested paperless statements. So, because she requested paperless statements, Chase bank also made my accounts, checking/ savings, paperless. I have complained to the bank more than once. I was instructed to make her " beneficiary '' BUT if I do that, she can only access my account w/ proof of DEATH w/ death certificate!!!! Therefore, that is NOT conducive for what I need! So, I do believe in this day & age w/ technology, the bank should honor my request & stop giving me duress!
Product: Checking or savings account

On XX/XX/2023 or the day before or after. I woke up to find my account had been hacked and used to make two purchases. One to XXXX online for {$25.00}, and the other to XXXX for {$89.00}. This was done between the hours of XXXX and XXXX while I was asleep. The next day when I noticed the transactions i called Chime ( my bank ) and requested payment be stopped and the my account had been hacked. I was instructed to let the transaction for both go through and file a dispute once both transactions had done so. I did. Around two days later the XXXX transaction was approved and my account had been credited the {$25.00}. The other dispute for XXXX took about longer so I called and asked what was going on. They told me the investigation team was looking at it and they had till XX/XX/XXXX to make a decision. They gave me the money to borrow until the decision was made. On XX/XX/XXXX they pull my money out and told me no errors had be made. This is a lie because I have never purchased anything from XXXX in my life nor do I have an account. I called Chime back multiple times and rebutted their decision over 5 times. I asked for the documents of there investigation and all they sent me was a questionnaire I answered over the phone. I called XXXX myself and acquired a service number for them to use. They could not send me anything in writing because I do not have an account with them. I did find out that the persons account used was frozen due to fraudulent transaction and my name is nowhere on it. Chime has failed to call them and has felled to give me my money back. I did everything they asked of me from day one and all they have done is call me a liar. How can you approve one transaction and deny the other for no error. Especially when I caught this the following morning and contacted them about it to stop it. Please help me this has hurt my family and I financially and emotionally.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  ACCT # XXXX, EQUIFAX and XXXX is currently in violation of 15 U.S.C. 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

And 15 U.S.C. 6803 ( a ) ( 1 ) ( 2 ) ( 3 ) which states : ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE credit reporting agencies Experian and XXXX are reporting a fraudulent account XXXX XXXX Account # XXXX is the original creditor and is now listed as XXXX XXXX XXXX ... ..this account was never reported to either Experian or XXXX ... .it was reported as a closed account only on XXXX ... .and now they are reporting to the to other 2 bureaus as a collection and has dropped my credit score and I am in the process of purchasing a home ... .this is FRADULENT bs and this account should be removed and deleted immediately!! how are you reporting a collection that was never reported to either of the 2 bureaus to begin with and the account was Fraud! 

Experian XXXX XXXX XXXX ( XXXX XXXX ) no account number listed XXXX XXXX XXXX XXXX ( XXXX XXXX ) no account number listed now how fishy does this sound ... ..this ACCOUNT IS FRAUD ... I am submitting the docs to prove it! I submitted my IDENTIY THEFT AFFIDAVIT in XXXX in 2019 ... I am attaching the documents now
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/year> - {$300.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Mortgage

when the federal rate increased my payment would increase and when it went down my payment would go down. When the last federal rate increased they lowered my mortgage payment. I called them and asked why they did that. They said they get more interest that way. I have been paying on this loan for 22 years and that has never happened. Is this legal? How will my loan get paid off in 8 years with them doing that? Are they doing that to others. MY account number with them is XXXX. Please help. 

Cordially yours, XXXX XXXX Phone number is XXXX I think part of my msg. disappeared. The mortgage co. is Ditech Financial LLc pob XXXX XXXX XXXX SD XXXX
Product: Debt collection

I am writing regarding an account with Westlake Portfolio Management LLC. I kindly request that you provide the following information for this account : 1. The Date of First Delinquency for this account.

2. The Date of Last Payment made on this account.

3. The Date of Charge-Off for this account.

I would appreciate this information be provided.Thank you in advance for your cooperation.
Product: Vehicle loan or lease

Hello, On XX/XX/XXXX my car was repossessed despite my payment arrangement or not receiving a default letter. After repossession I processed a payment for all of my past due balance being told that was what i would need to do in order to reinstate my loan and receive my vehicle.Still after payment there was no redemption paperwork given to me.They requested bank statements for my payment in the middle of an pandemic where all banks are closed.They have requested i go to a bank despite informing them of my COVID diagnosis before repossession even occurred projecting that i put others at risk for there undocumented request.I have asked for documentation showing where i agreed to pay them in only the form of XXXX XXXX  when my loan defaults and they have failed to provide the information.My car has been relocated 1 hour from my location and scheduled to be sold despite me reinstating my loan.They are using bully tactics and preying on people trying get there vehicle.On top of there fees i will have to pay around XXXX dollars to receive my car from the tow lot despite the {$170.00} i wouldve had to pay the day i brought my account current with a CLEARED payment
Product: Checking or savings account

I was incarcerated from XX/XX/XXXX and my car, purse everything was stolen from my apartment. I had XXXX deposits made during this time from my employer totalling almost {$2000.00}. As the expected money was not there I made contact via the jail phone with Chime regarding this as I was unable to make bail. The first contact was made on XX/XX/XXXX. The corrections officers from the jail had to monitor the call and can also verify this. I then made a police report and provided them with the information. I contacted Chime have them the letter from the jail and police report along with the officers information handling the case. I asked them to suspend all outgoing transactions and lock the cards. They did not it resulted in more money being taken out. They have repeatedly denied my claims to have money returned to me. I have appealed and spent many hours in the phone, resubmitted the proof electronically and by mail. They denied due to portions being peer2peer transfers and the debit transactions due to used online. I do not know the people who stole the money, I did not give them the pin or access code to my phone or permission to use any funds. I notified them the same day I was aware the funds were stolen and then they were negligent allowing an additional {$740.00} to be withdrawn leaving me with XXXX cents. I would like my stolen money returned to me as I have followed all protocol and have proof of what I'm saying.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing to dispute the validity of the debt listed on my credit reports with XXXX, XXXX, and Equifax, under the account number XXXX, which is associated with XXXX XXXX and originated with XXXX XXXX XXXX. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 USC 1692g ( a ) ( 2 ) ), I am demanding that you provide me with the name of the original creditor associated with this account.

Additionally, in accordance with 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt, along with a detailed breakdown of how this amount was calculated. Please be advised that this request is solely for the purpose of verifying the accuracy of the debt amount as mandated by law.

I am aware of my rights under the Fair Credit Reporting Act ( 15 USC 1681b ), the Fair Credit Billing Act ( 15 USC 1666b ), and the Consumer Financial Protection Bureaus regulations ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ), as well as the Fair Debt Collection Practices Act ( 15 USC 1692c, d, e ). 

I expect your prompt attention to this matter and request that you provide the requested information within the statutory timeframe of thirty days. Failure to validate the debt within this period will result in the removal of this item from my credit report, as required by law. 

Please take immediate action to resolve this dispute and provide the necessary documentation to support the validity of this debt. 

Sincerely,
Product: Money transfer, virtual currency, or money service

All money reported or funded was lost and or not able to reach a live person for any assistance.
Product: Mortgage

I am a retired employee with Chase trying to refinance my current mortgage with Chase for the lower interest rate. I previously refinanced in 2017 with no problem closing in one month or six weeks. I now have {$17000.00} more in savings and less debt, one credit card of {$2700.00}. I have a mortgage payment of {$630.00} and pay {$150.00} extra each month. I applied to refinance which took a year, having been cancelled more than twice because of time restraints with Chase and having to start over. Chase hires an outside entity to oversee their applications and they declined me due to too many inquiries on my credit, all made by Chase 6 in XXXX, and 5 in XXXX that they told me of. Also this entity told me I have too many revolving accounts. I have one now and had a second with Chase of! XXXX now paid in full. They made so many mistakes, a XXXX Department head got involved, who now has left company. The loan documents had more than 12 errors, my name, the amount of the refinance, the number of years with my company down as 1, should be 21, {$50000.00} in savings not indicated, {$42000.00} loan to be paid off XXXX no loan error by Chase XXXX. I had a property in Texas sold but they wanted me to include it in my income but it was not in my name and legally could not be used, but I was able to show check copies for four years showing it all paid on time, sometimes double. My credit score is XXXX but went down some due to all the inquiries Chase made on my credit. I found the Chase employees very inept blaming it on the pandemic. My previous refinance was not a problem. They also requested {$500.00} as they said to quickly close in the next few days. They took the money and then declined
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX