23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I have been a long-time Citibank customer since XX/XX/XXXX. 

I completed the Citibank offer for a Citigold Checking account, promo XXXX, for XXXX XXXX XXXX miles by XXXX/XXXX/XXXX. This was my first time using Citibank as a checking account bank, rather than just a credit card, so I was hoping that Citi would end up being the bank for me, and that we could both gain from this financial relationship. 

After completing the spending requirement by XX/XX/XXXX, a Citibank representative, XXXX XXXX, told me, in writing, on XXXX XXXX, XXXX, to expect the XXXX XXXX points to be deposited within 90 days of XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX, after hearing buzz that Citibank was not honoring the offer or needed further escalation, I sent another email to Citibank checking on the status of my miles. 

Another Citibank representative, XXXX XXXX, sent me a secure message stating " records confirm you met all the requirements for promotion code XXXX. '' She also confirmed, " Once your 90 day waiting period is complete, the bonus miles will be applied on the next statement billing which will be no later than XX/XX/XXXX statement. '' After the miles did not post XX/XX/XXXX, I emailed Citibank again, only to be told by yet another representative, XXXX XXXX, that I now have to wait till XXXX XXXX, XXXX for the miles to post, without much explanation as to why Citibank or XXXX were delaying the posting of my miles. 

I have all of these correspondences. At this point, we are approaching a second deadline, and I am out {$90.00} in terms of account fees for the XXXX checking account. The fees started in XXXX XXXX. I believe this is a financial scam at worst, and a bait and switch tactic in the least, which makes it illegal. 

Please feel free to contact me, and use the evidence I am submitting for class litigation action purposes, or for evidence in any manner deemed fit.
Product: Credit reporting or other personal consumer reports

XX/XX/year> as a single mom I was trying to get my cash app account unfrozen. It was my first bank account & I never expected to be scammed by cash apps agent. I begged for days to get my money back. Cash app could not help me they never gave me answers they never contacted me back they ignored me completely. I was so confused & lost at words on how this could happen but the number they provided for live agents was fake.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the Capital One credit entry ending ... XXXX - I submitted a request for " full accounting '' and/or account validation to Capital One. I requested in my dispute, state & USPS verified proof of my address that matches that of your credit application and installment contract, a copy of my state issued driver 's license or state ID that will bear a signature that matches with any relevant applications signatures for credit ; showing that I have ( or have ever had ) a contractual obligation to pay them. In a validation dispute, the furnisher is to provide a call log of any phone calls made to or from this furnisher, proof of any previous unanswered disputes. I requested to this furnisher to provide Capital One 's bank statement referencing account # XXXX to verify payment history in comparison to the credit entry. They are bound by law to provide the full accounting and billing statements, and all accounts receivable and payment history including but not limited to, payoff receipts, and credit protection acceptance or decline document. Included in their response, should be the Capital One account terms, and conditions document, and any kind of arbitration agreement. Also, provide names, addresses, emails and phone numbers of the individuals you spoke with so that I can follow up. Instead, Capital One responded with a letter that has " not one '' of the attached requested account validating documents ; There was no reasonable investigation conducted. Capital One never validated the account yet continues to report the account to my credit file. This is violation of FCRA-15 U.S. Code S1692g-Validation Of Debts, The 15 U.S.C. 1681s-2 ( b ) -Obligations To Investigate, and FCRA S611 ( 15 U.S.C S1681I ) - Procedure In Case Of Disputed Accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following :. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account :. Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau 's ( Experian, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit.
Product: Credit reporting or other personal consumer reports

In my consumer FICO credit report, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consists of XXXX XXXX XXXX # XXXX {$940.00} opened on XXXX, XXXX XXXX XXXX /XXXX XXXX XXXX XXXX {$660.00} Opened on XXXX, XXXX XXXX XXXX XXXX XXXX {$360.00} opened on XXXX, XXXX XXXX XXXX XXXX {$4600.00} opened on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4400.00} opened on XXXX XXXX XXXX XXXX XXXX XXXX  {$180.00} opened on XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00} opened on XXXX,, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} opened on XXXX XXXX XXXX XXXX {$1200.00} opened on XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$36000.00} opened on XXXX .Those accounts have had fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. Someone opened these accounts in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the, and Experian 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 several accounts damaging my life and appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts and collections, and appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity thief and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX, XXXX, Experian credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX
Product: Debt collection

I received a collection account on my credit report on XX/XX/XXXX. On XX/XX/XXXX I called the collection agency IC System Inc to verify what this was. Initially I spoke with XXXX employee ID # XXXX who stated she could not find me in the system and when I gave her the account number as stated on my credit report she stated there was 10 people with that same account number. I asked for a supervisor which XXXX employee ID # XXXX tried to help verify the debt which is stated to be from XXXX which I have a current 5yr account with and owe them nothing. When I asked XXXX if they could send me the documention to verify this debt was mine with signatures and or proof that this belonged to me she stated " they do not have proper documentation to verify this debt belongs to me ''. 

Then I got transferred to another supervisor XXXX employee ID XXXX who stated that this is a debt directly from XXXX and they do not have the documentation to verify this debt and would have to request it from XXXX. I told her she can't report this debt and it needed to be removed. 

Per XXXX employee # XXXX this debt was opened in XX/XX/XXXX and sent to collections in XXXX of XXXX. 

IC Systems just recently bought this debt because it used to read as XXXX XXXX XXXX  on my report which I sent them a letter to validate this debt in XXXX and it was removed because XXXX XXXX XXXX did not validate this debt in XXXX! Now IC Systems is reporting it 3 years later without proper documentation to validate it.
Product: Debt collection

Wilber and Associates continues to contact me regarding a debt I do not owe. They are calling me in the middle of the night around XXXX. I have tried calling them back regarding these issues and was never able to speak to an actual HUMAN representative
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Equifax breach and my subsequent verification through their site XXXX XXXX XXXXXXXX on XXXX/XXXX/XXXX, my information was part of the data stolen. I signed up to enroll for their free TrustedID service for 1 year on the same date with that site but have not yet officially activated enrollment. 

I filed for a credit freeze on XXXX/XXXX/XXXX with all three credit reporting companies. I filed for fraud alerts on my account for 90 days with XXXX on XXXX/XXXX/XXXX ( which should propagate to the other companies XXXX.
Product: Credit reporting or other personal consumer reports

I recently discovered that my credit report contains incorrect personal information, which have resulted in unknown accounts appearing that I have no connection to. After further investigation, I realized that I have been a victim of identity theft. My personal information was used fraudulently, leading to these unauthorized accounts being added and mixed to my credit file. Following the appropriate steps, I filed an identity theft report with the FTC, as advised by TransUnion, and submitted all necessary documentation. However, despite taking these actions, these fraudulent accounts remain on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of American and XXXX, XXXX, XXXX   credit bureaus. 
I purchased a XXXX XXXX financed by Bank of America in XX/XX/XXXX. The vehicle was a total lost on XX/XX/XXXX. BOA reported my credit as 30 days late for both XXXX / XXXX XXXX. I had a GAP Policy that covered this vehicle, which I was told when GAP pays it will be reported as paid in full. However, BOA is reporting it as a late payment for XXXX / XXXX. I dont think it should be on my report, after the had already received a check from GAP for this balance. Since then, BOA has financed another vehicle for me, but reporting this one as being 30 days late for XXXX / XXXX on my credit report. If I would have known, BOA was going to report this late fee on my account for a car that was totaled in XXXX. I NEVER would have financed anything Else with BOA. I have reported supporting documentation of confirmed payment. We are in the middle of a pandemic, the process with GAP may have been slower than usual due to the pandemic, but its unfair to make me suffer for this catastrophic. This is poor business in a ROCKY pandemic world. I have never had a late payment on my credit report and I am appalled at the action of BOA. This makes me sick to my stomach. I am asking BOA to remove the false statements made on my report. BOA received payment from Travelers in XXXX, but continue to try to collect payment from me. Please see attached documents. I will not stop until there is a fair decision made on this manner. Thank you XXXX XXXX.
Product: Debt collection

Hello, my name is XXXX XXXX XXXX XXXX and I received a letter about a debt collection for a medical service from XXXX  XXXX which they never told me I had to pay anything. I never saw that I had to pay the amounts and I wasn't aware of this so as right now I can't pay this debt. Reference number is XXXX.
Product: Student loan

Most recently I have verified that the student loan for my son with  XXXX   XXXX  wa s actually a private Tuition Answer loan which I, the par ent was the borrower. This loan was signed for  XXXX   XXXX ,    2005. The problem is my repayment period ( principal and interest ) has NEVER begun, so for the past 12 years, all payments have been for INTEREST Only. The promissory note states " the repayment period will begin on the day after the Interim Period ends. The Interim Period will end 4 1/2 years after the Disbursement Date. '' The follow on problem is I can not   get approved for my son, the co-signer to be rele ased from the loan until the outstanding {$4300.00} in interest is paid while the original loan of {$43000.00} has not been affected. In addition, the interest that has been paid is not eligible for deductions on income  XXXX   Release for co-signer is the borrower making 12 consecutive principal and interest payments without lat e fee penalty and the borrower 's credit being checked. They have no idea if funds are being paid by myself or my son. Not withstanding,  XXXX   XXXX  's failure to begin the repayment period is a breach of contract to the promissory note.
Product: Checking or savings account

My account became overdrawn XXXX USD because of a lost wallet where I already reported my passport stolen that is now XXXX for international travel. Chase Bank is lax wuth their overdraft protection allowing excessive overdrafts to occur in extreme situations like my own. The process for unauthorized ACH 's is prolonged where I must wait to receive an affidavit statement by XXXX mail first and hopefully within the 10 business day timeline. I have a substantial secondary account in the meantime, but the claims process is overwrought when in my instance a lost/stolen identity is straightforward where XXXX XXXX returned the money taken from unauthorized debit card transactions immediately.
Product: Student loan

AES failed to provide me with School Misconduct Discharge Application after my school XXXXXXXX XXXX XXXX XXXX XXXX  ) was found guilty of defrauding students through XXXX XXXX XXXXXXXX and after my XXXX 's Defense Application was accepted. I asked for the forms several times over the years and found out through XXXX that a " secret form '' exists. Now I have the form after years of paying for the loans.
Product: Vehicle loan or lease

I used to send a few months at a time by mail to pay my loan payment with Nissan. I noticed and started get calls from Nissan that my payments had not been received. It started taking longer and longer for my checks to be cashed by Nissan. I received another call explaining my account was about to be late for my  XX/XX/XXXX payment. I explained my check was in the mail. The collector said he could take a payment over the phone but at the time I could not afford for the check and the phone payment to clear. Magically my check cleared shortly after the phone call. I immediately stopped mailing checks and started using their online system. It must be nice to be able to hold checks to create late payments. As you can see from my electronic payments always timely. Either this company is trying to create extra money with late fees, trying to discourage people from mailing checks to use online payments, or there was a mailing issue. 
I spoke with XXXX on XX/XX/XXXX and was told I would get a response in 15 days. I did not. I contacted XXXX   XX/XX/XXXX and was told Nissan could not change it without getting fined by CFPB As one can see from my 30 plus years of credit history there has never been a over 30 day late. How is it fair credit reporting with most of my payments are over 30 days in advance and they don't report that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/XXXX to Experian. 
Here is my tracking number : XXXX. However, the credit bureau said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a- Definitions ; rules of construction The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they ( Experian ) talk to? 

How did they complete this investigation?
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received an alert from XXXX of changes to my credit report stating a delinquent account. After looking into this it came to my attention that Affirm INC put inaccurate information on my credit report stating that a payment was 30 days late. I filed a dispute with XXXX because of this inaccurate information and I included documents showing proof that all payments were made and never paid pass 30 days. The proof and attached documents I submitted came directly from my Affirm account which shows the date every payment was paid and submitted to the company as my proof. I received an email on XX/XX/XXXX saying the company has certified to XXXX that the information is accurate, and the item was not changed as a result of our processing of your dispute. I provided proof of all payments and it seems that XXXX did not do a proper investigation and is allow Affirm Inc to put false and inaccurate information on my credit report and tarnishing my credit score to potential lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account shows both charge off and late how can account be both charge off and late. 
If is charge off it cant be late. 
Account shows that there's a balance owed of XXXX to another company but yet it shows in the credit bureau that the company that the money owed to is XXXX this information is incorrect nothing is owed to XXXX since the account was charge off theres a XXXX balance due.
Product: Checking or savings account

To Whom This May Concern I am the rightful beneificary on a cd account with Synchrony Bank. My uncle XXXX on XXXX XXXX this bank allowed XXXX XXXX to mail a fraudulent change on beneificary after the date of XXXX and it had the date before XXXX but was received to them after XXXX Synchrony accepted it with XXXX XXXX signing all paper for XXXX XXXX no notarized notary seal was needed. XXXX XXXX had 2 account and i was beneficiary of both policys Synchrony Bank only paid me for one account. I mail a letter to Synchrony Bank making them aware of the situation and i receive a letter from the President XXXX XXXX XXXX stating they had receive the change with prior dates before XXXX but after XXXX and they had made the change. XXXX XXXX XXXX stated they allowed these frudulent activity to go on at they bank. My lawyer stated they to me under state law no changes are acceptable to any account after account holder have XXXX all changes should made while all parties are still living and if you should XXXX while changing beneficiary its null and void. Account holder must be alive to make these changes. Synchrony bank state they have different rules that they follow and they allow you to make changes if they receive paper work after you are XXXX. XXXX XXXX Police Department has been notified police report number is XXXX and XXXX had tried to change another policy but he was not able to do because he had to get the form notarized from a notary. I have all this information if this is needed all i want is all money back to me the has been fraudulently taken from me. XXXX XXXX told me he was going to change these policy but i did n't know they allowing these kind of changes after XXXX this company can look at the date they change this XXXX XXXX XXXX at XXXX Saturday morning i sent them the XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing these purposes to dispute specific information in my credit file ; and to request a reinvestigation, correction, and removal of inaccurate information from my Credit Report, as well as measures to prevent its re-insertion. 
XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am urgently notifying you that I have been a victim of identity theft, which has resulted in numerous fraudulent accounts appearing on my credit report. These accounts were opened without my knowledge or consent, and I am demanding immediate action to address and remove them. 

ACCOUNTS - XXXX  XXXX - XXXX  XXXX - XXXX  XXXX - XXXX XXXXXXXX - XXXX XXXX - XXXX XXXX XXXXXXXX - XXXX XXXX XXXXXXXX I have filed an identity theft report with the Federal Trade Commission XXXX FTC ) and insist on the prompt removal of these fraudulent accounts to restore the accuracy of my credit report.