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

XXXX of this year, I received a promotional email from Citibank that advertised a bonus of {$400.00} if I open a new saving account and fund the account with {$100000.00}. I opened the saving account online following the promotion and funded the required amount, patiently waiting for the bonus to show up. 
Reading the fine prints in details, I waited for a few months and never saw the bonus. I then contacted Citibank. The response after their investigation was that the Promotion Code XXXX was not targeted to my account, unless I can provide evidence. Funny thing that I never even mentioned that was the promotion code I signed up with. 
Luckily, I have at least XXXX emails from Citibank that shows this Promotion Code XXXX was indeed targeted to my account. The promotional emails have my name, my checking account number ( ending XXXX ), and all the fine prints and promotion code clearly spelled out. Then I went through a month of XXXX trying to provide this evidence to Citibank. I've spoke to 3 supervisors and countless representatives. I have emailed them the evidence 3 times, faxed 1 time, and even had my local Citibank representative to manually upload the evidence emails to the case. Four cases were opened for this investigation, and all 4 cases resulted the same resolution - Promotion Code XXXX not targeted to my account. I patiently tried again and again to provide the evidence and at my last encounter with a supervisor, she was finally able to locate my emails and promised to attach my emails to the case, yet the case still resulted the same resolution without ever mentioning my evidences. I'm truly disappointed in how unethical Citibank tricked its customers to sign up for a promotion that was set up to be a trap. I'm writing to demand my {$400.00} bonus. Please see my attached promotional email from Citibank in XXXX, XXXX, and XXXX, each indicated that this promotion was targeted to my account, with my name, checking account number, and the promotion code in clear text. I'm also including 2 of the 4 cases resolution letters from Citibank ( Dispute case # XXXX and XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX and I'm including it again. 
DEPT OF EDXXXX XXXX Balance : {$3600.00} ; DEPT OF ED/XXXX XXXX Balance : {$2000.00} ; DEPT OF ED/XXXX XXXX XXXX : {$3700.00} ; DEPT OF ED/XXXX XXXX Balance : {$2000.00} ; DEPT OF ED/XXXX XXXX Balance : {$690.00} XXXX DEPT OF ED/XXXX XXXX Balance : {$1800.00} ; DEPT OF ED/XXXX XXXX Balance : {$3200.00} ; DEPT OF ED/XXXX XXXX Balance : {$2600.00} ; DEPT OF ED/XXXX XXXX Balance XXXX {$1800.00} ; DEPT OF ED/XXXX XXXX Balance : {$320.00} ; XXXXXXXX XXXX  XXXX Balance : {$4500.00} ; XXXX XXXX XXXX XXXX : -
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I reached out to chime bank after I received a notification from a creditor stating my purchase couldnt be completed, I tried multiple times to log into my chime account, however my email address was not accessible, upon reaching out to chime I had discovered my account was about - {$29.00} in the negative. I urged for all my account information to be changed, email, pin, card physical and the virtual card. The claim representative emailed me a statement to my updated email and there was XXXX unauthorized transactions. Mostly being transferred from my chime account to a cash app. I placed a claim with chime. I was promised XX/XX/XXXX funds will be credited onto my account.. XX/XX/XXXX morning i reached out to chime fraud to provide my police report number. And see on a update, on this very urgent matter, the fraud protection lady had me upload the police report and confirmed my provisional credit will be issued., she stated I did not need to provide anything else, however a hour later XX/XX/XXXX I got a email from Chime saying my claim was denied. No error had been found. I reached back out to chime upset I was then told that the previous rep accidentally pressed a button to automatically deny the claim. He then apologized and reopened the claim. XX/XX/XXXX I uploaded my ftc affidavit to chime XX/XX/XXXX i received a email from support with the claim intake information used to determine the claim having no error which was completed with answers I did not state, the answers the rep entered contradicted what I stated happened. I immediately contacted chime and questioned this the rep in fraud stated to disregard the email and I have nothing to worry about XX/XX/XXXX i received a email from chime saying my claim has no error which!
Product: Payday loan, title loan, or personal loan

I have received 8 e-mails, one every 2-4 weeks since XX/XX/XXXX " Important news : XXXX, you're now eligible to reapply. '' Bank began sending these emails every two weeks reminding me of my eligibility to apply for their loan products, last " reminder '' email came on XX/XX/XXXX My last application was XX/XX/XXXX, it was declined On XX/XX/XXXX, I logged in and encouraged with some additional income coming to me and wanting to apply for a loan to continue rebuilding my credit, I took Marcus by GS Bank  up on their offers and checked my eligibility. 
I increased the household income to include my boyfriends salary as we live together now. 
{$110000.00} to {$170000.00} I changed the address on my application and account during the process today online ( XX/XX/XXXX ) From XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX to XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXXXXXX. 
The ZIP code while fairly close together have significantly different overall per capita incomes and demographics. 
I was only given " Time since decline too recent '' as the reasoning for declination on this application, electronically and over the phone The operator I spoke to ( XXXX ) was only able to provide me with the reasoning defined in my Adverse Action letter from XX/XX/XXXX, I was attempting to apply within some arbitrary three month window that I was unaware of based on any available information from Marcus, in writing or online. 
I only applied after a considerable marketing full court press from Marcus by GS. 
After receiving four of the aforementioned emails did I finally apply Then declined or even considered because of this arbitrary time limit. 
I have about {$260.00} in savings there, with direct deposit set-up to send {$260.00} bi weekly for an emergency fund. 
I have not stopped this direct deposit and will maintain my business with them based on how they respond to my complaint. 
They offered to " opt me out '' of further mailings, I declined the offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX 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
Product: Debt collection

Kohn claims to own a very old debt that was previously held by XXXX. Kohn claims my most recent payment was in 2019. No facts in evidence support existence of any such payment. Kohn relied upon false claim that 2019 payment was made, despite knowing it to be false, and threatened bad-faith lawsuit.
Product: Money transfer, virtual currency, or money service

I have XXXX locked in my account and my account was closed without any explanation or email. I need access to my XXXX ASAP.
Product: Credit card or prepaid card

Regarding my JPMorgan Chase account ending in XXXX. 
On XXXX I tried to perform 2 Balance transfers to my XXXX cards. One for {$1500.00} XXXX to card ending XXXX and One for XXXX to XXXX XXXX ending XXXX. After over 2 weeks, I called on XX/XX/XXXX to see why my Balances hadn't been transferred. At that time it was disclosed to me that the transfers in question went to the XXXX XXXX where I don't have any accounts, it was further disclosed to me that it would take " Up to30 for them to review my Claim ''. I called again on the XXXX of XXXX to see where in the process the claim was, and was told the 30 days had not passed yet. I called on XXXX to confirm the 30 days had passed and I was due the credit back into my account-including Balance transfer fees and any other potential accrued charges due to their error. During that call, I was informed that yes the review process time had expired and the agent was happy to process my refund, and unfortunately, that will take up to another 7 days. Today XXXX, after being transferred several times I was told by XXXX. XXXX in their Missouri office that " Your claim is still under review ''.
Product: Debt collection

Allied Collection Services , Inc, failed to respond to my Debt Validation Letter Request regarding the collection they reported to credit reporting bureaus, failed to provide the needed information for the debt validation. All you provided was just the cancelled/violating consumer right contract which XXXX did not perform, nothing else, and you failed to provide CREDITOR/DEBT COLLECTOR DECLARATION, the form in the Debt Validation Letter Request which you are obligated to provide within 30 days pursuant to 15 U.S.C 1692g of the Fair Debt Collection Practices Act.
Product: Debt collection

I tried to contact this collection company, in reference to XXXX, XXXX asking them to send Verifiable Proof ( Original Consumer Contract with my signature on it ) stating the debt of {$1300.00} is mine. They have failed to verify this account which has hurt my ability to obtain credit. This collection company has sent several collection letters but no sign agreement. This acct doesn't belong to me. Under the FCRA, unvertified accounts must be deleted if the company is unable to provide me a copy of vertifiable proof and this company is refusing to do so. Please assist in having this account removed from my XXXX, XXXX and XXXX report permantently.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under act 15 U.S.C. 1681 section 602 says, I have the right to privacy 15 U.S.C. Section 604 A section 2 it also states a consumer reporting agency can not refurnish an account without my written instructions under 15 U.S.C.1666B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX- {$450.00} XXXX The following items are inaccurate and/or an error. I am demanding these items be deleted as independently the following credit bureaus say the debt has been verified, but that is not possible since there are still inaccurate/omitted/conflicting items. 
XXXX : o Currently is marking both late and closed at the same time.

o Last payment has no information o Current payment status has charge off, but a charge off would require a 1099C but I have never received one.

o Is noted as a charge off, but also still has a balance. 
XXXX XXXX XXXX reports a close date of XX/XX/year> but XXXX has XX/XX/year> Experian : o Show a balance but also a charge off at that same time.

o A charge off would require a 1099C but I have never received one. 
XXXX o Last payment has no information o Current payment status has charge off, but a charge off would require a 1099C but I have never received one. 
o Worst payment status has no info o Shows charge off, but never late. 
XXXX XXXX XXXX reports a close date of XX/XX/year> but XXXX has XX/XX/year>
Product: Credit card

XXXX XXXX 2024 email sent to me about hard inquiry on my credit report from my XXXX XXXX fraud alert app. 

XXXX XXXX 2024 email sent stating I was approved for {$2500.00} Barclay 's Bank Delaware flexible spending credit card acct. 

Card billing address doesn't show up under my address for account to be pulled up in they're system. So I have no way to find the card number or acct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 
15USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURINSH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 
15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR AN PURPOSE.
Product: Credit card or prepaid card

On XX/XX/2019 XXXX XXXX of XXXX XXXX fl passed away. I am XXXX XXXX the surviving spouse. XXXX had an american express account. " XXXX '' was an authorized user on this account. American express has that debt still listed on my credit report. American express told me on a phone call on XX/XX/2019 that i was not liable for this debt seeing how i was an authorized user. I filed a complaint through XXXX and they investigated and said that amex reported that I was still liable. The account was in XXXX 's name the amex last 5 digits of the account # XXXX. social XXXX. I tried talking to them but seems to be going on deaf ears. 

Thank you XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : OFFICE OF THE ATTY GEN XXXX XXXX : {$6700.00} ; OFFICE OF THE ATTY GEN XXXX Balance : {$5100.00} ; OFFICE OF THE ATTY GEN XXXX Balance : {$1800.00} ; OAG CHILD SU XXXX Balance : {$5100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX after checking my credit report, I discovered an account in collections on my XXXX report that was fraudulently created. The account was reported by Fair Collections and Outsourcing with the original debt by XXXX XXXX XXXX. I disputed the account but XXXX is refusing to removed it as others have done. I previously reported identity theft to the FTC in XXXX XXXX XXXX and disputed several accounts, which were subsequently removed. Also at that time, I noticed an address that I had never lived at. I contacted the apartment management and inquired about any possible account. I was provided a copy of a lease that was delinquent and the apartment was vacated some months prior. I communicated that I was a victim of identity theft and inquired how any information was verified before the lease was signed. XXXX XXXX XXXX stated that there was NO IN-PERSON VERIFICATION of the identity of any individual on the lease. I communicated that I will not accept responsibility for any delinquency and I will seek remedy if they pursued a debt reporting. XXXX XXXX XXXX could have taken very simple steps to prevent this fraudulent account from being created! XXXX XXXX XXXX XXXX could have required an in-person visit to verify identity. Second, XXXX XXXX XXXX could have verified the signature on the ID provided with the lease signature. Third, XXXX XXXX XXXX could have required each applicant to supply different contact numbers instead of the same. Lastly, XXXX XXXX XXXX could simple use more due diligence and common sense by requiring more than XXXX photo ID and do additional reference verification before creating a lease. XXXX XXXX XXXX is complicit in the creation of the fraudulent lease by not having good business practices.
Product: Credit reporting or other personal consumer reports

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 don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my XXXX equifax XXXX XXXX I already sent police report bt they failed to delete
Product: Credit card or prepaid card

I applied for the amazon credit card associated with Chase bank in the early morning today ( XX/XX/2022 ). Later today ( Sunday, XX/XX/2022 ), I called Chase customer service in an attempt to see if I could expedite the verification process, I spoke to a female representative named XXXX. I gave my social over the phone because she asked for it to verify my credit card application, and I was told that I would have to wait until Monday for the verification team office to be open so I can contact them. The call ended. A few hours later, I receive 2 phone calls from an " unknown '' number and a voicemail from a lady claiming to be from the " Chase Fraud Prevention department servicing Amazon XXXX  credit card to verify information '' and that I had to call back. This was still the same day, Sunday. I strongly believe this was clearly fraudulent and that the employee XXXX at Chase Bank provided my personal information to this person. I am worried about what personal information of mine this employee has provided the thief. I have not reached out to Chase due to not wanting the employee to be on guard. I don't know how many potential victims this employee under Chase banking, XXXX, has hurt financially and emotionally. This is a huge breach of trust and Chase should take it very seriously.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts listed on my credit report. As a victim of a data breach, I did not authorize the accounts outlined below, and they were opened or reported without my knowledge or consent. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be investigated and permanently removed from my credit file. 
Fraudulent Accounts : XXXX XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$160.00} XXXX. XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$8500.00}
Product: Credit card or prepaid card

I received an offer for a credit card in the mail from American Express ( AMEX ). If I would return to them they would provide a statement credit of {$220.00} if I would spend {$2000.00} within the next 6 months. This was all that was stated on the face of the offer. I fulfilled my obligations and received the {$220.00} statement credit. I later cancelled the card. Immediately after my cancellation AMEX cancelled my statement credit and put a {$220.00} balance on my card. I began contacting them about this online on XX/XX/XXXX and disputing the reversal of my statement credit. I was told I would receive a response within 5-6 days. On XX/XX/XXXX I contacted them again. After several tries with several different representatives, I finally had a purported supervisor in XXXX tell me they were not going to honor the agreement and would not reinstate the {$220.00} statement credit because, in the fine print in the agreement that was purportedly online when I signed up, using the RSVP I had been sent, there was a clause that if I closed the account within 12 months they would rescind the statement credit. This was not on the face of the offer I received in the mail and I was not informed of this at the time I was cancelling the card. Or, of course, I would not have cancelled it. It is false advertising and mail fraud for AMEX to send me such an offer in the mail, stating an offer on its face, then claim later that there were additional rules and requirements contained elsewhere in a long online agreement.
Product: Credit reporting or other personal consumer reports

there was a hard inquiry on my credit report it wasn't me and they wont take it off and it damaged it quite a bit
Product: Credit reporting, credit repair services, or other personal consumer reports

When I attempted to cash two reimbursement checks with XXXX bank and XXXX banks in XXXX XXXX, Michigan, I was informed that I had an issue with ChexSystem reported that I had an outstanding balance with XXXX XXXX XXXX XXXX. I went to XXXX XXXX XXXX XXXX on XXXX XXXX XXXX, Mi and spoke with XXXX XXXX ..., she informed me that there was not such an issue with the credit union. Now that she " no longer works there '' per XXXX staff, i got an emailed copy of a statement dated XXXX XXXX stating that there was an overdraft on my account and that it was paid within that same month. See copy. I want this negative credit/banking activity to be removed from my credit report because its been 46 months since this burden has refrained me from opening banking accounts to manage paying debts or receiving deposits to pay debts. ChexSystem reflects derogatory statements about and ruins my credit ability. ChexSystems acts are unconstitutional and has helped to ruin my livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with The Consumer Financial Protection Bureau XX/XX/XXXX about Equifax having not properly resolved an account named XXXX XXXX XXXX XXXX XXXX Account XXXX, and Equifax replied to myself and to Consumer Financial Protection Bureau that this account was deleted from my credit file. I am attaching the proof to this current complaint. During this time in question Equifax did delete the accoutn from my credit file, but have since improperly reinserted and refuse to remove the account even when I notify them of the improper reinsertion. I have provided Equifax by certified letter and by fax to XXXX and have fax confirmation forms to prove they did in fact receive my complaints of improper reinsertion, however they have refused to comply with the FCRA and remove the improperly reinserted item. They have and continue to violate the FCRA by not only having improperly reinserted this item, but by continuing to act upon my demands to delete permanently the previously investigated and deleted item. Equifax did not follow the FCRA by notifying me that they intended to reinsert this item EVER. When I have spoken to the XXXX XXXX in their XXXX XXXX XXXX and made her aware of this matter she has done nothing about it. She told me to fax her the proof of reinsertion to her and the account would be removed but this has no happened.
Product: Money transfer, virtual currency, or money service

{$180.00} dollars was stolen from my account when I agreed to pay said amount for concert tickets to a man online. When I payed this money, the man subsequently blocked my number, closed his XXXX account and I am now unable to reach him. I called my bank and tried to file a claim, but Wells Fargo denies to cover this, despite being a massive bank and being insured. The app is vulnerable to be used by fraudsters, and should be closed down, or accounts should be more closely tied to customer 's identities. The fact that XXXX openly acknowledges the absurd amount of fraud that happens on their application, but refuses to do anything just shows how they are violating the trust of the consumer.