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

This is in response to the Citibanks letter dated  XX/XX/XXXX  to my complaint #  XXXX .
The Citibank has completely ignored my statement, I never participated in any promotion that offered 10 times the interest. in my complaint.
If the Citibank insists on its conclusions that I participated in the 10 times the interest promotion and not the {$500.00} bonus, where is the proof? Is my reading something over the phone sufficient proof that I participated in a promotion without knowing details? Did I also waive my rights to receive the Promotion Disclosure Letter? I do not believe so. Why Citibank avoided sending me the proof for its findings?
On  XX/XX/XXXX  at   XXXX   XXXX   EST, I called   XXXX   and spoke with a Personal Banker called   XXXX   regarding the bonus {$500.00}. She assured me that I met all requirements to receive the {$500.00} bonus and the {$500.00} will be deposited in my account on  XX/XX/XXXX . When I asked for the confirmation of the {$500.00} deposit in writing, she said that it was unnecessary. I spoke with her supervisor called  XXXX . The supervisor promised to send the confirmation to my home address as she was unable to send me any email. She also told me that she was going to make a special notation in my account to deposit the {$500.00} bonus on  XX/XX/XXXX . I am still waiting for the mail and also no one in Citibank can locate either   XXXX   or the supervisor. If they were allowed to provide their full names, phone number, email and their IDs, I may be able to contact them directly. I was told that the policy of Citibank prohibits them to reveal their full name etc.
On  XX/XX/XXXX  I made an online inquiry at the Citibanks secured web site regarding the {$500.00} bonus. The Citibank sent me a response letter in the US mail stating that I participated in a promotion called  XXXX  and my account was deposited {$33.00} on  XX/XX/XXXX . I do not understand why this promotion number is different from promotion  XXXX  found in the recent Citibanks response letter. Why I was under    XXXX    promotions? If they are the same, then why didnt the bank disclose this information when I opened the account? I never participated in any of those promotions. If any one of them is a targeted promotion, then Citibank may have sent an email or an invitation in the US mail with the Citibanks Promotion Disclosure Letter. But I never received the Promotion Disclosure Letter. Also, why didnt the Citibank send me the Promotion Disclosure Letter with its email dated  XX/XX/XXXX  notifying the transfer of {$25000.00} to the new account?
If I had received the Citibanks Promotion Disclosure Letter when I opened the new account, I would have never opened the account or sent the {$25000.00} to sit there for 90 days to earn {$33.00}. The Citibank also failed to disclose the fact that how much money one has to deposit in a saving account and keep it there for 90 continuous days to receive the maximum {$500.00} under the 10 times Interest promotion.
Because Citibank failed to disclosure promotion details, I expect the bank to deposit the {$500.00} in my account now with any earned interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

INDIGO-XXXX XXXX is in direct Consumer Law 15 USC 6802 ( a ) and 15 USC 6802 ( b ) 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.
Product: Credit reporting or other personal consumer reports

There are repossession/charge off accounts that is being reported on my consumer report that I demand are deleted. I believe the reporting of these accounts are incomplete, inaccurate, and unverifiable and pursuant to section 611 ( a ) ( 5 ) I demand that these agencies comply with the FCRA and promptly delete these items as they are damaging my credit rating, credit standing and credit capacity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed previous complaints on Experian and I'm alleging the have a personal agenda to prevent me from raising my credit score. Here is another example. I tried to boost my credit score by signing up for Experian XXXX. I meet all of the qualification ; XXXX ( XXXX ) which I pay every month and is linked to my XXXX checking account. I have consistent payments for a total of 6 months from this same account. However, when I try to XXXX, it only shows one payment for the month of XXXX. Experian gives you the option to list all your payments if the system doesn't capture all of them. I have submitted these payments to Experian several times and it was never updated to XXXX. I believe XXXX can fix this issue if they wa n't to.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts appear on my credit report, without authorization Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft TD BANK NA Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 
Identity Theft NORDSTROM/TD BANK XXXX Account Number : XXXX This is not mine.
Product: Debt collection

CACi sent me a collection letter via email, found in my spam folder on XX/XX/2023 with limited information about a debt. The email was dated XX/XX/2023 and stated I had until XX/XX/2023 to dispute the account and request verification and validation of the debt. Per the letter from CACi, I could dispute the account online. I responded to CACi on XX/XX/2023 via the online dispute email address they provided, one day after I found the email. I received notification from XXXX XXXX that CACi added the collection to my XXXX report between XX/XX/2023 and XXXX, XXXX 2023. They never responded to my request. I have never received any communication from CACi via USPS, before or after I disputed the account. 

Per the CACi letter : From : XXXX Date : Fri, XX/XX/2023 at XXXXXXXX XXXX Subject : RE : Your XXXX XXXX XXXX XXXX  account, # XXXX To : XXXX XXXX How can you dispute the debt? 
Call or write to us by XX/XX/2023 to dispute all or part of the debt. If you do not, we will assume that our information is correct. 
If you write to us by XX/XX/2023, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. We accept disputes electronically at XXXX. ''
Product: Checking or savings account

2021, there were accounts opened in my name without my consent. I started receiving emails saying, " Thank you for opening an account. '' I immediately called and the rep told me it was nothing to worry about but I was already frantic because I was getting alerts that my ssn was being used on the dark web. So when I received another email saying your card is on its way, I was livid! I called again to see what the address was where the card was going to, the rep didn't give me the address, once again I was told not to worry. Then she said it is something that happens, and I was highly upset. So, people are just allowed to open accounts in your name WITHOUT your consent? I've been fighting to get my credit repaired for XXXX years now.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX a Fraudulent application was made with XXXX XXXX ID # XXXX Spoken with several Supervisors receiving different information. I have faxed to their credit investigation dept XXXX per Supv, XXXX on XX/XX/XXXX my ID 's & signed letter requesting the fraudulent information so I can have Equifax clear the hard inquiry reported by XXXX  XXXX on XX/XX/XXXX. 
XXXX XXXX XXXX removed it but I still need to have Equifax do their job & comply in removing the inquiry from my Credit Report & restore my credit score. 
I'm fed up at this point with everyone - I am the one doing the work & feel I am being given the round around while my credit score still lower then it should be. 
Today when I called XXXX XXXX & spoke with XXXX, XXXX @ XXXX she confirmed that fraudulent application was closed on XX/XX/XXXX she further said I was emailed confirmation? Never received anything from them. She declined emailing it again????? Said faxing my request as I did on XXXX? XXXX is all I can do & that Dept would send me a letter within 30 days.
Product: Money transfer, virtual currency, or money service

Chime card as stolen my money. I have been trying to get my refund that was sent back to the card on XX/XX/2022 from my cash app but chime is refusing g to give it back to me. I have sent them all my documentation that I got from XXXX XXXX showing they sent them my refund and still nothing. I have lost a lot from this and was late on car payments. Please can someone help me?
Product: Checking or savings account

On XX/XX/2021 we opened a checking account with wellsfargo on XXXX XXXX XXXX XXXX, XXXX, UT XXXX. We were told everything was completed by a manager named XXXX. We immediately contacted my wife 's employer, XXXX XXXX send all paychecks to our account. a week passed and payday was here on a Friday and Wellsfargo told it would be 7-10 days for our check to deposit. after that time had passed we still had no check. We called XXXX and she informed us that our address was not excepted, But we were perplexed because they had already sent us debit card to that address. So we gave here another address and we waited. well our second pay day had arrived again and we were told that there should be no problems and it should deposit that day. Well guess what? none of the checks deposited into our account and talking with managers and reps no one had any answers. As of today wells fargo is holding over XXXX XXXX dollars of our money from our employer. After weeks of talking to them our monthly account fee is due for XXXX dollars. Well because there is no money in the account they have now closed the account and we still have not received our money.This is our hard earned money that we have no access too. Needles to say we could not pay rent or bills and were evicted from our place, Thanks wellls fargo.
Product: Checking or savings account

XX/XX/XXXX - I opened a checking account at Citi bank in a branch located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, they promised me {$300.00} USD promotion if I 1. Deposit {$15000.00} 2. Maintain a minimum balance of {$15000.00} for sixty ( 60 ) consecutive calendar days I signed the XXXX form on-site XX/XX/XXXX - The lady XXXX XXXX who helped me open the account emailed said that there's a problem with the XXXX form I signed, they want me to visit and sign again ( email attached ) XX/XX/XXXX - I visited their location at XXXX XXXX XXXX, signed the XXXX form with updated notice on it. 

XX/XX/XXXX - XXXX sent me email again said there's a problem with my XXXX form, want me to visit and sign again ( email attached ) XX/XX/XXXX - I visited their office again and signed the XXXX form again XX/XX/XXXX - The {$15000.00} fund was deposited ( statement attached ) XX/XX/XXXX - The {$15000.00} for sixty ( 60 ) consecutive calendar days reached ( statement attached ) XX/XX/XXXX - I need to use the money, as the deposit days have already reached 60 days, I reached out their customer service and asked for back account downgrading to Basic Banking package. This package requires - A direct deposit AND a qualifying bill payment OR - Having a combined average balance of {$1500.00} Their customer staff promised me that I can withdraw my money, and they will waive the service fee before it downgrades to Basic Banking page. And it should be effective in like a week. 

( live chat dialogue attached ) XX/XX/XXXX - I still didn't see the {$300.00} bonus they promised, but I noticed that they sneak in a $ XXXX Monthly Service Fee on XX/XX/XXXX. I contacted their customer service again. This time they claimed - Downgrading account would disqualify account for receiving {$300.00} bonus - Downgrading seems not completed as there's a pending promotion - It could take 90 calendar before the bonus deposit - They agree to waive the {$25.00} USD fee ( live chat dialogue attached ) XX/XX/XXXX - I still didn't see the bonus, and their online chat system seems to be broken, I called Citi Online Bank Support at XXXX, asking why the bonus is still not here. They claimed that they didn't receive my XXXX form, and that's why my bonus is still pending, and of course that's not true, I signed XXXX multiple times, I thought that may be just this bank 's internal communication problem, so I agree to send them a XXXX form again. 

XX/XX/XXXX - I signed a new XXXX form and mailed to the XXXX XXXX XXXX they provided at Citigroup  XXXX XXXX XXXX. 
XXXX  XXXX XXXX XXXX XXXX, SD XXXX The tracking number is XXXX ( XXXX XXXX XXXX XXXX ) And according to the record, it was already delivered on XX/XX/XXXX XXXX XXXX. 

XX/XX/XXXX - I checked the checking account, still didn't see the bonus, but found that Citi Bank sneaked {$25.00} USD monthly service fee again on - XX/XX/XXXX - XX/XX/XXXX even my account has {$1500.00} balance all the time.
Product: Credit reporting or other personal consumer reports

XXXX XXXXng 17440 E Burnside Apt 22 XXXX, Oregon XXXX SSN : XXXX | XXXX : XX/XX/XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed. 

I demand the following accounts be properly verified or removed immediately. 

Name of Account : Account Number : Provide Physical Proof of Verification 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  Unverified Account * NOTE : Please also remove all non-account holding inquiries over 30 days old. 

Thank You,
Product: Student loan

Credit reporting of an open ended stunt loans on account that I have not gotten any written notice of which is required by law has been added to my credit report negatively effect my score and grossly exaggerated drop in points by XXXX points and the loan was reports on several loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

See letters sent, please update my personal info and delete eh account reporting inaccuracies
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Act # XXXX, XXXX XXXX XXXX Act # XXXX, XXXX XXXX XXXX ACT # XXXX, XXXX XXXX XXXX ACT # XXXX, XXXX XXXX XXXX ACT # XXXX XXXX XXXX XXXX  ACT # XXXX, XXXX XXXX ACT # XXXX , XXXX XXXX XXXX ACT # XXXX, XXXX XXXX XXXX ACT # XXXX XXXX XXXX XXXX ACT # XXXX, XXXX ACT # XXXX, XXXX ACT # XXXX , XXXX XXXX ACT # XXXX, XXXX  XXXX ACT # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

On XX/XX/XXXX I submitted my PSLF loan application for forgiveness. 

On XX/XX/XXXX I received a letter stating that my employment had been verified and that my loans would be transferred to MOHELA. The letter indicated that the only step left was to check that I submitted 120 payments, and then my loans would be forgiven. The letter asks me to wait for instructions from MOHELA and that this could take up to 90 days. 

I have not received any communication from either MOHELA, FSA, or my previous loan servicer ( XXXX ). It has been one year and 8 months, and I have not received any communication about my loans. When I log into the FSA website it says my loans are serviced by XXXX, but when I log in, I can't see my loans, and my dashboard is blank. 

I have called MOHELA multiple times and re-submitted my application in XXXX of XXXX. The representatives told me that I need to talk to XXXX and the representatives at XXXX had me call the Federal Student Aid number. The representatives there directed me back to MOHELA. No one knew how to help me. I called XXXX again, and they said they don't have a record of my loans at all. They directed me to MOHELA. Since I do not have an account with MOHELA I can not log in, I can not see my loan information, and the representatives on the phone keep telling me to contact XXXX. 

I called again in XXXX of XXXX and the MOHELA representative was able to find my information in the system. She said that a temporary account had been created, and she could see that my employment had been verified but didn't know why I was never e-mailed or sent hard copies so that I could finish setting up my account. She could not manually transfer my loans, but she assured me that she escalated my account and that within 90 days I would receive a communication. Nothing has been sent, and it's been almost 2 years since I applied for forgiveness. I can not see the status of my loans, I can't make monthly payments, I can't do anything. Soon the temporary pause on student loan payments is ending, and I still can not get answers as to what is going on with my loan, and I can not see my balance, interest, or if my forgiveness will go through. This is unacceptable. 

I called again on XX/XX/XXXX and the representative once again told me they would manually transfer my loans, and she could see the one from XXXX, but that it never went through. After lots of pressing on my end, she was able to help me get a log in, so that at least I can log into the MOHELA website and see my blank dashboard. I still can not see my loan information, interest, payments, nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is a identity theft report with the following fraudulent accounts listed below that are reporting to my Equifax credit report Fraudulent Equifax XXXX XXXX XXXX XXXX XXXX Al {$1000.00} XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX  {$63.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/2024 To whom it may concern : I just got my credit report and some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

You also violated 15 USC 1681s-2 ( a ) & amp ; ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & amp ; ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 

Accounts XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & amp ; ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & amp ; ( ii ), and 15 USC 1681e ( b ) XXXX. ( XXXX XXXX XXXX XXXX XXXX  # XXXX ) Delete this account immediately because of 15 USC 1681s-2 ( a ) & amp ; ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & amp ; ( ii ), and 15 USC 1681e ( b ) XXXX. ( XXXX XXXX XXXX XXXX # XXXX ), Delete this account immediately because of 15 USC 1681s-2 ( a ) & amp ; ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & amp ; ( ii ), and 15 USC 1681e ( b ) Once you have deleted the accounts from my credit report, please send me a copy of my updated report.

Thank you,
Product: Payday loan

I made installment payments directly to the company, which is XXXX, and the loan was paid in full in XXXX 2016. I have an email of the pay schedule and also confirmations of each payment made. I expect this company is a scam and just looks for predators,,, ,well, they have met the enemy and need to leave me XXXX alone!!!!!!
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : 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 XXXXXX/XX/XXXX