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

On XX/XX/XXXX I was approved for a Citibank account. This date is shown in the official correspondence I received from Citi. When I contacted Citi about my promotional offer of {$300.00} they denied that I was eligible for the bonus. They stated that it was past 30 days to make the initial deposit. Since my account was opened on XX/XX/XXXX that means I have until XX/XX/XXXX to make my initial deposit for the bonus requirement. 

Here are the terms so there is no confusion : Receive a sign up bonus of {$300.00} when you complete the following requirements : Open a new eligible consumer checking account in The Citibank Account Package Within thirty days, make a qualifying deposit of {$15000.00} or more in new-to-Citibank funds into the new checking account or new or existing Citi Savings Account or existing Citibank Savings Plus Account, and maintain a minimum balance of {$15000.00} for sixty consecutive calendar days following the date when you made the qualifying deposit. 
Within thirty days, 1 qualifying Direct Deposit must post to the new checking Account each month for 2 consecutive calendar months after opening the new checking account. 
The Fine Print For the Citi Priority Cash bonus offer, Eligible Customers are New-to-Citibank customers who ( 1 ) enroll in the Priority Checking Offer, ( 2 ) open an Eligible Checking Account as first signer and are also ( 3 ) at least eighteen ( 18 ) years of age, and ( 4 ) have a valid XXXX or XXXX XXXX on file with Citibank. ( 5 ) have not been a signer or owner of a Citibank checking account within the last 180 calendar days. 
Eligible Checking Account means a new checking account in The Citi Priority Account Package. Fiduciary, estate, business, and trust accounts that are not Living Trusts, are not eligible for this cash bonus Checking Offer, even if the account otherwise meets the definition of Eligible Checking Account. All accounts subject to approval. The Eligible Checking Account and, if applicable, Eligible Savings Account, must be in good standing for the Eligible Customer to receive this cash bonus offer All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
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 Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX XXXX, has violated my rights. 
XXXX Account # 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 an 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: Mortgage

ive been trying to get a 180 day extension which as cares act informs us we are entitled to. Three months ago i called in for it i was informed i got three month forbearance which i didnt know until now.When i recently called back to bank and spoke to representative they informed me i could only get three months forbearance. 
Now i dont know if i will be able to qualify as per cares act if i need it for two 180 day extensions if needed which is a year.Instead bank will inform me later that i already have to extensions for 90 days which were supposed to be 180 days each. 
if i can have something on paper that guarantees my right to ask in the future as needed for up to one year. i dont know if bank will honor the full year in the future because of the three month increments they have been providing which is only option they are giving me date of first three month forbearance XXXX to XX/XX/2020 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to inform XXXX that I recently received a copy of my credit report that your company publishes and after reviewing it I found several bankruptcies on my XXXX, Experian, and XXXX that are inaccurate. Them being an 3rd party company reporting incorrect information are damaging my reputation and credit worthiness. I requested they supply me with the actual documents and I received letter starting they received the information from XXXX  and they do are not apart of the resolution. 

I went to US BKPT CT Tx XXXX have email me which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third- party providers who collect information regarding public cases from public records. 



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Product: Credit reporting or other personal consumer reports

Despite our previous attempts, I regret to inform you that these issues still persist on my record. I kindly request that you prioritize the investigation and removal of these discrepancies, ensuring that all necessary steps are taken to correct them in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 
I understand that resolving such issues may take time and effort, but I urge you to handle this matter with the urgency and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. The following items shoild be removed as soon as possible : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furhished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and this account was opened up fraudulently with out my consent. I have asked them to investigate and remove it off my credit report. Please remove these items off my credit report. 

Capital One credit card opened XX/XX/XXXX amount XXXX. 
XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX or XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX XXXX XXXX  XXXX XX/XX/XXXX amount XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX XXXX XXXX  XX/XX/XXXX amount XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX amount XXXX XXXX XXXX XX/XX/XXXX amount XXXX XXXX XXXX XX/XX/XXXX amount XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX amount XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( insert date ) I sent out letters certified mail to each credit reporting agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and everything as accurate. 

This is false because there are number of inaacuracies and inquiries on my consumer report that still remain. 

1. I never gave this creditor my written consent to run my credit therefore it is fraudulent and this is violating permissible purpose and needs to be removed XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. I am disputing this account for inaccurate information because XXXX is reporting the date of last activity incorrectly. 
You are reporting the date of last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and Experian is reporting XX/XX/XXXX. Having the wrong date of last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off XXXX XXXX Account Number : XXXX 3. I am disputing this account for inaccurate information because XXXX is reporting the date of last activity incorrectly. 
You are reporting the date of last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and Experian is reporting XX/XX/XXXX. Having the wrong date of last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off XXXX  XXXX Account Number : XXXX 4. I am disputing this account for inaccurate information because XXXX is reporting the date of last activity incorrectly. 
You are reporting the date of last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and Experian is reporting XX/XX/XXXX. Having the wrong date of last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off XXXX Account Number : XXXX Please Submit onto ACDV form and please Delete under section 1681s ( 2 ) ( b ) They have failed to perform a proper investigation pursuant to 15 usc 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the reinvestigation procedure pursuant to 15 usc 1681i ( 7 ). They have 15 days to respond the description or else above listed accounts need to be removed from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an approved fraud claim from Synchrony Credit dated XX/XX/2019. This account was originally a Paypal Credit account but after they merged with synchrony and transferred all the data on accounts on XX/XX/2019 they claim to have lost my approved fraud claim and started negatively reporting the account as delinquent in XX/XX/2019. The account has an approved fraud claim and an approved paypal buyer protection claim, both claims have the end result of me not being liable for the purchase. Ive tried to contact paypal/synchrony and they refuse to fix the information. The paypal buyer protection claim was approved on XX/XX/2019 and this information was given to me by an employee named XXXX with employee ID # XXXX on my XX/XX/XXXX phone call with synchrony bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all because I went to a first time home buyer seminar at my church and they had some lenders there and I was told that I did not qualify for the program. They went over my credit report and I see some things on there that I knew nothing about. I have contacted the FTC and my local police. There are still items on my credit report that are not mine. Please remove these items from my credit report. I'm doing this on my own behalf. XXXX XXXX XXXX # XXXX ), XXXX XXXX  ( # XXXX ), XXXX XXXX XXXX,. Please remove these from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting the account with NCB MANAGEMENT SERVICES inaccurately on my report. Upon reviewing my credit report I did not recognize this account. I initially sent a request for all credit agencies including XXXX  to validate the account, and send proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After the dispute I sent the agencies on XX/XX/XXXX this inaccurate account was deleted from my credit report on XX/XX/XXXX. On the report of XX/XX/XXXX XXXX  reinserted this back to my credit report. I have disputed this again since then.. After 4 different attempts they have failed to provide me proof of this account. I have disputed this information four times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and have given them warning that if it could not be validated, to remove it from my report or i would be filing a formal complaint.
Product: Credit reporting or other personal consumer reports

I have 18 inquiries on my credit report in which I dont recognize. 
I also have closed accounts on my credit in which should be removed from my credit as well.
Product: Checking or savings account

Its been more than 6 months now since this company have my money my XXXX which Ive work hard saving and this company takes my money after I invest it they said they will give me back my money after I get my original bank open back up which I did I get my original XXXX XXXX XXXXXXXX account ending XXXX is now open back after I plead my case with them now I want this company to refund back my money into my original bank account where my money came from. Ive made a complain more than a month now and no response from them that is to show you that this company wants to steal my money. I need back my XXXX to refund back u to my bank account i need it back!! This is the last time Im asking and making a complain else I will bring this company to the court of law!! I need back my money into my bank account it came from so I need this company to send back my money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Name - XXXX XXXX XXXX The following personal information is incorrect Incorrect Name - XXXX XXXX XXXX XXXX following personal information is incorrect Incorrect XXXX XXXX XXXX  - The following personal information is incorrect Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - The following personal information is incorrect Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - The following personal information is incorrect Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX following personal information is incorrect EMPLOYER - XXXX XXXX XXXX XXXX XXXX  - The following personal information is incorrect EMPLOYER - XXXX XXXX XXXX  The following personal information is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 or other personal consumer reports

Subject : Complaint Against [ EXPERIAN ] for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against [ EXPERIAN ] for retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against [ EXPERIAN ]. 
Account Information : Creditor Name : XXXX Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, [ EXPERIAN ] ] has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and distress. 
The violations committed by [ EXPERIAN ] include but are not limited to : - Failure to conduct a proper reinvestigation following multiple disputes - Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA - Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate legal action against [ EXPERIAN ] for its repeated violations of the FCRA. I am also seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that [ EXPERIAN ] upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue and holding [ EXPERIAN ] accountable for their actions. 
Sincerely,
Product: Debt collection

THIS COMPANY WHO I DISPUTED AN ACCOUNT WITH IN 2019 HAS SENT A DEBT TO A COLLECTION AGENCY AND PUT THIS DEBT ON MY XXXX AND XXXX REPORT. I HAD THIS ACCOUNT DISPUTED AND REMOVED FROM MY XXXX REPORT. IN 2019. THIS COMPANY HAS SENT A COPY OF A BOGUS CONTRACT WITH MY NAME ON IT AND STATING I LIVED THERE AND THE REASON I LEFT WAS I WAS BUYING A HOME AND IT SHOWS WHEN THE LEASE EXPIRES WHICH IS NOT TRUE. I HAVE TRIED TO REASON WITH THE COLLECTION COMPANY ON SHOWING ME A CONTRACT AND PROOF. THEY HAVE NOT PROVIDED VALID PROOF. THIS ACCOUNT NEEDS TO BE DELETED. I HAVE NEVER LIVED OR SIGNED ANY CONTRACTS WITH THIS COMPANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX actually works with me and does whatever in their power to try to resolve a problem whereas Transunion is very unprofessional in how they conduct business! They report Inaccurate information and claim it's " verified ''
Product: Debt collection

This company ( Delivery Financial Services , LLC ) has been falsely reporting a debt that I do not own. This alleged debt is not mine and has never been verified as mine. They have also been harassing me, family members, friends, co-workers, and my employer. They have disclosed personal information ( my social security number, finances and miscellaneous info. ) to 3rd parties without my authorization. They have violated multiple Fair Credit Act laws and also XXXX Other prohibited practices. This company is nothing but harassment and law breakers for profit. I will list all of the violations they have committed and are continuing to violate. 

XXXX Other prohibited practices Fair Credit Act Violations 804 Acquisition of location information 805 Communication in connection with debt collection 806 Harassment or abuse 807 False or misleading representations 808 Unfair practices 809 Validation of debts 812 Furnishing certain deceptive forms
Product: Debt collection

I paid off the debt directly with XXXX XXXX on XX/XX/2019. They stated they would delete it from my credit profile. This should be deleted from my credit file as soon as possible. Waypoint Resource group still shows that i am in collections Delete the WAYPOINT RESOURCE GROUP ( XXXX XXXX ) that is on all 3 credit bureaus. I would like it deleted from all 3 bureaus see payment receipt below : Hi XXXX, We've received your payment, thanks. 



Payment Amount : {$780.00} Payment Date : XX/XX/2019 Payment Method : Visa ending in XXXX Account Number : XXXX Make your life easier by setting up automatic payments using EasyPay. It's free, secure, and saves you time. 


ACTIVATE EASYPAY
Product: Debt collection

Called multiple times with phone number that was linked with account and was unable to retrieve account. Tried to talk to humans only to be on hold for a very long time or closed. When canceled my account with att they took phone number out of system to where I couldn't pay with automatic system. Never got notice about bill.I was on the phone almost a hour just to talk to someone from XXXX, my XXXX bill has been paid.
Product: Student loan

I made a complaint to reverse consolidation and was denied by Navient Student Loans. They have documentation verifying my husband is the endorser. I am forced to pay his loans even though we have separate bank accounts and finances It is not fair. Navient could rectify this by separating spousal loans if both parties agree to it.
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 is my understanding that you will investigate these items for me to ensure accuracy .here is the item i am asking you to verify as accurate : XXXX XXXXXXXX XXXX account # XXXX
Product: Debt collection

Collection agency unwilling to provide written documentation proving ownership on account despite multiple written/certified requests. Notice of collection dated XX/XX/XXXX received. Written response indicating no knowledge of or relationship with creditor requesting copies of signed work order and/or signed receipts equaling XXXX sent XX/XX/XXXX. No response received. Collection placed on credit reports on or about XX/XX/XXXX effective dated back to XX/XX/XXXX. Additional written response indicating no knowledge of or relationship with creditor requesting copies of signed work order and/or signed receipts equaling XXXX sent certified mail on XX/XX/XXXX. Signed for by XXXX on XX/XX/XXXX at XXXX XXXX. Still no response received.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account From XXXX that is reporting on my credit report that does not belong to me and it is affecting my credit score i tried to have it disputed with the bureau but it been more then 45 days and it is still reporting on my credit report
Product: Credit reporting or other personal consumer reports

Hello, this accounts transaction and charges are fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. Do anything necessary to remove them from my report. Please..