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

In XXXX of 2019, I received a promotional offer from Citibank offering me {$500.00} when I opened a new Citibank checking account and deposited {$15000.00} within 30 days and kept it in for 60 days. 

This was the link I was given in order to sign up for the checking account - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please see the attached screenshot of the promotion I was given by Citibank. 

I then signed up for the checking account directly from this link and followed all of the instructions as given - I even checked with Citibank chat support and confirmed that the promotion was linked to my checking account, and that I just had to wait 90 more days after maintaining the initial 60 day minimum balance in order to see the {$500.00} arrive in my checking account. 

Last week, imagine my surprise and extreme frustration when I was told that there is now NO promotion linked to the checking account I created, and that there is no bonus to be received. Please escalate and validate/make things right here, as I have placed too much money into a checking account for too long to be receiving literally nothing for it due to a mistake from Citibank 's side.
Product: Credit card

I made a balance transfer {$5200.00} plus fees on XX/XX/2023 but I never received my money into my account I have a XXXX account one day i got the call from XXXX  XXXX XXXX they told me that someone is using your check to deposit into their account into XXXX XXXX that they put the check on hold if it wasnt for the call i got from the XXXX  XXXX XXXX I would have never known about this issue and I would have been still waiting to receive my check to deliver to me. I have no bank with XXXX XXXX XXXX i only have XXXX XXXX. first they disputed me the amount of the fraud then they added the amount back again on my account now my account is negative {$4400.00} my account full limit is {$5500.00} so I'm negative on my account XXXX XXXX something all this Is badly affecting my life and my credit score. I had a good credit score of 700+ now I'm currently sitting at XXXX. I'm a victim of this absurd investigation they did on my account I'm looking forward to take legal action on discover bank I need help in this regard. Company is not responding or taking any action to resolve this issue. Im a victim of this fraud that happened on my account Im going to take legal action against everyone involved in this absurd investigation. Company is saying I received the check but i never received the check to my mailing address and someone cashed the check by writing my full name and those arent my signature my identity is being used. Im going to sue the credit company for my pain and suffering and for false accusations on me and for destroying my excellent credit score now I cant make any future purchases with my credit score. I want this dispute to resolve as soon as possible I can not take it anymore i had enough of this XXXX. Only option is left for me to sue everyone involved.
Product: Credit reporting or other personal consumer reports

15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.You are in VIOLATION of this law because Im a victim of identity theft!! Please delete these items IMMEDIATELY!!! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b- Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT!!! As a consumer I am demanding the deletion of accounts listed IMMEDIATELY!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

I opened an account with Wells Fargo on XX/XX/XXXX. On XX/XX/XXXX, I made two purchases for a total of {$130.00} and should have had a remaining balance of roughly {$1400.00}. On XX/XX/XXXX, I received a phone call from XXXX from Wells Fargo stating there was potential fraud on my account. When I tried to log into my account, I received an error message stating my credentials were invalid. I called Wells Fargo and was transferred roughly 5 times and told a claim would need to be made, however, the representative did not verify any transactions. The representative reset my account and told me a new card would be mailed and ended the call. I had to log in and file a dispute for the $ XXXX in transactions myself. Several transactions also appear to be duplicated? Whenever I call the fraud team, I am simply transferred to multiple people and no one is able to help.
Product: Student loan

I asked to switch my monthly payments so that the higher amount due would go to the smallest loan so it can be paid off faster and was told no they cant i can do it myself but will be responsible for late fees or the loans paid in full.. I told them I would still be paying the same amount each month and was told theres nothing they can do to override that in their system. Also XXXX switched companies to navient with out my consent when asked if they will still contribute to u promise i was told yes but navient didnt link to upromise i also went from a fixed interest to variable and now my monthly payements keep rising even though ive called multiple times because i cant afford to pay. their suggestion was to extend term of loan, but that will only result in paying more in interest over the course of the loan.
Product: Credit reporting or other personal consumer reports

On XX/XX/23, I submitted disputes to XXXX, Equifax, and XXXX regarding inaccurate information reported on my credit report. I provided detailed information on the accounts and highlighted violations made against my consumer report. Attached below are copies of all letters sent. 

It has been more than 60 days since the disputes were submitted, and to date, there has been no response from any of the credit bureaus. 

Specifically, I am concerned about the following violations : Violation of FCRA 623 ( a ) ( b ) : Failure to mark the disputed account as disputed, as required by the Fair Credit Reporting Act.

Violation of FCRA 605 ( c ) : The reporting period seems to be in violation, as the date of last activity on this account is not reflective of the last payment date, as it should be.

Violation of FDCPA 809 ( b ) : Continuous failure to validate this collection account, as confirmed by the FTC opinion, further violates the Fair Debt Collection Practices Act.

These violations undermine the accuracy and fairness of my credit report, and their continuation is concerning. I request an immediate and thorough investigation into these matters and the removal of inaccuracies as required by law. 

Your urgent attention to rectify these issues and respond to my disputes is imperative. I anticipate your prompt resolution in accordance with federal regulations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Bank allowed and conluding with the credit bureaus to report negative reporting on my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from XXXX. Please see below the list of accounts that are reporting derogatory on XXXX. 

1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft OPORTUN/PROGRESO FINAN Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine
Product: Credit reporting or other personal consumer reports

I am refiling this complaint to TRANSUNION there are errors and inaccurate information in my reports such as the date of last activity, date opened, date reported, payment status, charges or amounts and etc. However, when I checked my report, I did not see any changes made at all. Inaccurate and erroneous information is still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction. 
I have also attached my FTC report with the report number XXXX
Product: Mortgage

I have been waiting on a mortgage release now XX/XX/2015. In Ohio, a lender must record the satisfaction of a residential mortgage within 90 days from the date the mortgage was paid off. If the mortgage lender fails to comply with this requirement, the borrower may recover, in a civil action, damages of {$250.00}. This provision does n't prevent the borrower from seeking any other remedies that might be available to him or her. See ORC section 5301.36.
Product: Payday loan, title loan, or personal loan

I lost my job on XX/XX/XXXX I took out the protection in the event that I would not be able to make payments. I contacted the office and told them this I was told to call back in 30 days I did they told me that I have to be collecting unemployment for it to work. I did file for unemployment it got denied I am in the process of an appeal I have over XXXX applications in. They have been calling me over and over it was to the point that I had to block them. I received a phone call this morning at XXXX it seems like a personal phone number. I have called in the office several times to let them know that I dont have an income and I havent found a job. XXXX told me that they can call up to 5 times a day. I called them on XX/XX/XXXX they called me two times on XX/XX/XXXX again on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2 times on XX/XX/XXXX XX/XX/XXXX I spoke to them called back on XX/XX/XXXX twice spoke to them called 3 times on XXXX thats when I blocked the number XXXXm not happy about not able to make my payments and being with our a job I am behind on everything this is the first time that I have been without a job in over XXXX years
Product: Debt collection

I have on my Credit report showing that XXXX XXXX is assuming that i owe them {$3100.00} and also i have a collection account stating that i owe Diversified Consultants {$3700.00}. I do NOT owe any of these companies any money. This needs to be ceased and dismissed. I will NOT being paying anything to these companies
Product: Money transfer, virtual currency, or money service

I got {$900.00} in Security deposit and {$900.00} a month rent from a client. She had paid rent until the moved out. I refunded the Security deposit to her in full and some portions of rent using cash app in XX/XX/2023. CASHAPP then reversed her rent payments and security deposit payments after she was already refunded the security deposits as well as rent prorations on XX/XX/2023. They did not offer me a chance to explain what the payments were for they didn't even tell me the reason the funds were removed from my account. I have legal documents, leases and ledgers to show these payments were for what she agreed and intended. 
These payments were also in my account for multiple months, and withdrawn so the funds they took where not money from her. Also one payment was from over 5 months before.
Product: Credit card or prepaid card

On XX/XX/XXXX of this year, I filed a complaint with the CFPB concerning Bank of America taking money that was not owed them in Complaint # XXXX. This is a related yet different complaint about that situation. 

I was contacted by XXXX XXXX from Bank of America 's Regulatory Complaints Operations department asking me to contact her about whether or not I was the person who initiated the complaint. She gave her available office hours and asked that I call during that time. However, she did not give a phone number at which to reach her. I have included a screenshot of the email in question as evidence. I sent three ( 3 ) emails trying to engage her in regards to my initial complaint. All of them have gone unanswered. I find this to be typical of Bank of America 's attitude towards customers and clients. Further, I feel this is an attempt by Bank of America to avoid accepting responsibility and strongly encourage the CFPB to investigate the matter in their full official capacity under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had to file chapter XXXX bankruptcy in XX/XX/2019, as a result my loan account with XXXX XXXX was closed as of XX/XX/2019. Company refuses to acknowledge that this account was included in filing of Chapter XXXX and continues to report the account as open on my Credit reports and they still attempt to collect on this account. I have contacted them directly to no avail I have written letters, filed disputes with the credit Bureaus and they keep reporting the false information as accurate even though when I view my account status it is showing as closed-paid in full. They also refuse to notate the account as included in Chapter XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : USAA SAVINGS BANK Account Number : XXXX Reference : Remove Late Payment XX/XX/2020 1. Credit Bureaus are reporting inaccurate information to my Consumer Report 2. I have disputed multi times and account is not updated 3. I have submitted certified documents to show inaccurate information 4. CRA are not complying with FCRA law 15 USC 5. I have contacted original creditor. 
6. They have stated that corrected information was submitted to XXXX, a third party Credit Reporting Agency that reports to XXXX, XXXX, and XXXX. 

7. XXXX is one of the CRA who is reporting inaccurate, incomplete, unverified, information to my consumer report. 
8. The FCRA Law states that no Transactions or Experiences shall be reported on a consumer report [ FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ] This has caused me severe stress, defamation, and my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY THEY HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy. 




XXXX XXXX XX/XX/XXXX LATE PAYMENTS REPORTED ACCOUNT # XXXX 15 U.S.C 1681 section 604 A. Section 2 : Its also states that 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 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 have reasonable cause to believe that the information is inaccurate. THEY HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy.
Product: Credit reporting or other personal consumer reports

They have violated my rights to privacy and furnished my information without my written consent.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX 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: Debt collection

XXXX XXXX XXXX XXXX XXXX have falsely represented them self at Superior Court New Jersey to collect the debt which XXXX XXXX XXXX XXXX XXXX didn't own it nor have any contract in place to collected on client behalf. XXXX XXXX XXXX XXXX XXXX bad intimidation and harassment have cause me pain and suffering and must pay by the State and Federal laws described it in 15 USC law.
Product: Debt collection

Caller called from a local ( XXXX ) number. I called back, thinking it was a parent of XXXX or XXXX of my son 's teachers. Caller attempted to get my address, would not say who they are, hung up. Called again, individual who answered disclosed company name and address. Company is located in Illinois. She asked me to verify an address, and I complied, telling her my current address. She then gave me the Mini Miranda after I disclosed my personal information. Said they are calling on behalf of XXXX XXXX XXXX ( company that bought the debt ). They refused to give me contact information for this company, even when I talked to a manager. The manager stated that I could " look the company up on the internet. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I have XXXX payment late on my citi bank account but it is marked inaccurate for the month of XX/XX/2022. The different companies are reporting different outcomes for that month can you investigate this discrepancy thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, MERCHANTS CREDIT GU add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA MERCHANTS CREDIT GU has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

i receive a notice from my credit reporting account about a negative item inwhich is reporting inaccurate information from XXXX XXXX XXXX XXXX  so i sent them a letter to validate and send the information that i requested bearing my signature on XX/XX/2020 and hasn't heard from them yet
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX XXXX XXXX account number : XXXX XXXX  account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account number : XXXXXXXX XXXX XXXX account # XXXX XXXX  has not sent a verification that the balance is accurate and that the automobile has not been leased or of the sale price to another party.

15 U.S.C 1681 section 602 A. states that I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2 states that a consumer reporting agency can not furnish an account without written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2019. I submitted notification to all XXXX credit reporting agencies that there was errors filed in my bankruptcy report. I did not receive a reponse back from neither of the agencies without investigation and they said that they will no longer reinvestigate the matter unless i had more documentation which im also providing to you, the check marks beside the accounts are accounts that were included in my bankruptcy that are not mine. Ive also asked from the agencies to provide me the methods that they used to validate these and to no avail i have received nothing.
Product: Debt collection

I ruined my credit after my mom got into an accident. She was hit by a car and in the XXXX for about XXXX  months then went to rehab and I had to take care of my sisters and I went into debt taking out credit cards and forgetting to pay them back. I got carried away and became irresponsible.
Product: Checking or savings account

On XX/XX/2022, Our company wrote and mailed a XXXX XXXX XXXX XXXX XXXX check to XXXX XXXX XXXXXXXX in the amount of {$3500.00}. On XX/XX/2022 that check was deposited into XXXX XXXX XXXX XXXX ( BMO Harris Bank NA ). XXXX XXXX, XXXX has indicated via sworn affidavit that they never received the check. To date, XXXX XXXX XXXXXXXX XXXX has yet to identify how a stolen check was deposited into an account that is not XXXX XXXX XXXX From our prospective, to resolve this issue should be very simple, but more importantly, the fraudulently deposited check should be reimbursed immediately.