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

On XX/XX/year> XXXX  Disturbment for XXXX I switched money all the money from my account which wouldve had my balance at XXXX cents On XX/XX/XXXX around XXXX am I made 3 transactions 2 for XXXX XXXX and 1 for XXXX which after attempting to check my balance I noticed that I could not login to my Mobile Banking I advised the Bank what the reason was given which they cited that I was being put under review for Further Identity Verification, citing that because I opened the account online I would need to send documents in which on the same day XX/XX/year> @ XXXX am I sent the Following Documents into the Bank and have been calling every since to get my Account Unblocked Which BMO has clearly refused and rejected to even assist me with their investigation I have spoke to Very Rude Customer Fraud Reps including XXXX, XXXX ( She actually threatened me, which I have on a recorded line citing that if I called back she would close my account ) XXXX and some from yesterday I have been begging and pleading with BMO to release the account from review so that I pull my money and close this account with them my experience with this bank has been terrible I no longer trust them as my bank and want to end my Bank Relationship with them
Product: Consumer Loan

I have an auto loan with BMW Financial Services, I 've been trying to remove XXXX 30 day lates that are on my credit report. I received a copy of my payment history reflecting the payments they received from me but they are not correct. I would like assistance from CFPB in solving this matter and having these lates deleted from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
8. This account was paid and also the date last active is inaccurate it cant be XXXX different dates there are so many inconsistencies across the bureaus XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 
9. This account was paid and also the date last active is inaccurate it cant be 3 different dates there are so many inconsistencies across the bureaus XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 
10. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX XXXX XXXX XXXX XXXX XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item.
Product: Student loan

I received a letter indicating that an error occurred when my loan was transferred and that I should have been paying at a lower interest rate, however, I had already paid off the loan. As such a refund is due. I called and they said it was applied to my other outstanding loan but could not tell me any more information regarding the refund and the amount that was applied to my other loan. Generic information is insufficient. The customer service rep was rude and talked over me when I keep asking for specifics.
Product: Checking or savings account

On XX/XX/XXXX, CITIBANK, XXXX, FL. I opened the Citi Priority financial products Interest Checking and Citi Savings. 

On that occasion, our go-to banker at Citibank offered a cash bonus for the opening of our Citi checking accounts, in the amount of USD XXXX for maintaining a minimum deposit and balance of USD XXXX in our accounts, within 60 days after the date of opening the account, condition that I fulfilled and currently maintain. 

However, as of today XX/XX/XXXX, Citibank has not complied with payment the bonus cash.
Product: Credit card or prepaid card

On XX/XX/2021 my credit card was fraudulently used to order carryout food at a merchant that exists more than XXXX miles from my home. I submitted a dispute with Citicards and the charge was initially reversed. The merchant also disputed the charge and provided Citicards with the information they had from the transaction. This included a phone number that does not ( and never has ) belonged to me and an email address that I do not recognize. With this information Citicards sent me a correspondence ( requiring a signature from me ) to my website profile with them. They DID NOT however send the letter through XXXX  mail and therefore I was unaware that it existed. Once I did realize it existed I submitted it to Citi 's fraud dept. and this is where I have hit a wall. Citi 's foreign call center operatives assure me that this will be reversed in my favor and that they have submitted this to the " back office '' ( an office that I am not allowed to communicate with by the way ). I have been promised call back from supervisors and this has not happened. It is now a full week of business days and I continue to wait for resolution on this matter. The disputed amount is for {$38.00} at a merchant in XXXX XXXX, FL that calls themselves XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I was approved for an installment loan to obtain new furniture in XX/XX/2020. Due to my job loss because of being personally affected by having XXXX in XX/XX/2020 and then my job shutting down in XX/XX/2020, I was given the option to be put on a deferred payment plan. This required a notice from my job of being out of work due to XXXX. The problem started in XXXX, and then continued onward for the next several months. Each month, the finance company requested a new letter proving job loss due to XXXX. I had explained that since my job had been shut down, this was not possible for me to obtain. The company stated that they understood my position, but this was a rule that needed to be followed, and if I couldnt get a letter on a monthly basis from my closed job, that was my problem. I now have 5 late payments reflecting and since I paid this account off in settlement it is negatively impacting my credit. I was given a stipulation that I can settle the account for less provided I do not do business with the company in the future. I agreed and paid the settlement amount. Due to this all being started because of my financial hardship because of a declared natural disaster, and my agreement not to do business with Acima Credit in the future, I need for either the late payments to be removed and the account to reflect a paid in full status OR for the account to be removed from my credit reports entirely. I have XXXX intention of ever doing business with a company that is clearly not understanding and that lacks empathy for its customers. I did not voluntarily lose my job 8 weeks after I was approved for financing and it is unrealistic to obtain paperwork on a monthly basis when the business was shut down. I am making this complaint public, so that whoever may come across this complaint can choose whether or not to do business with them!
Product: Money transfer, virtual currency, or money service

I received an electronic transaction for the amount of {$200.00} yesterday XXXX/XXXX/XXXX, at XXXX pm. I called the costumer service number for chase bank at XXXX, making sure that the transaction was successful and was told 'yes '. I called to make sure because I knew that had I an automatic payment for a credit card. Now the bank says that the money was not available and they charge me an insufficient fee of {$34.00}. They do n't want to refund me that money after a bank representative said that the funds were available.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to formally dispute and request the removal of certain inquiries from my credit report. This inquiries, initiated by Transunion, was made without my authorization and are negatively affecting my credit profile. I believe this inquiries were either made in error or without my consent. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and removal of this inquiries. The FCRA mandates that any unauthorized or erroneous inquiries must be corrected to maintain the accuracy of consumer credit reports. To assist with your investigation and verification process, I have attached the relevant supporting documents. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

I was using cash app and money will be took from me without my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to complain to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX My birthdate is XX/XX/1980, and my social security number 's last four digits are XXXX. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$280.00} XXXX XXXX  XXXX Balance XXXX {$1700.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX FCU XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX : {$280.00} XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX XXXX : {$19000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1700.00} XXXX FCU XXXX Balance : {$19000.00} XXXX  XX/XX/XXXX
Product: Debt collection

Ditech Financial LLC reported this out of statute supposed debt as written off to the IRS without validating the debt when requested to do so in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing inaccurate information on all 3 credit reports from XXXX, XXXX, and Transunion for the following companies listed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. There are late payments and transactions being listed on all three reports. 

Per 15 USC 1666b- A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

The Privacy Act of 1974 - my rights to privacy have been violated.

It is Illegal to report transaction history 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instruction of the consumer to whom it relates.
Product: Credit reporting or other personal consumer reports

After reviewing my updated credit report there are accounts that I consider to be inaccurate and incomplete which was recently obtained by your company. I am sending this letter to your company to let you know that these errors and incomplete information you are reporting have negatively impacted my credit score. 

For Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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  Notice to Cease & Desist To Whom It May Concern : Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law. If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the Texas State Attorney Generals Office and the Federal Trade Commission. Thank you for your attention regarding this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My data was stolen from Equifax and can now be used to open accounts under my name. My credit is linked to and affects everything I do so this affects my livelihood. Obviously, Equifax should have had high security standards because they hold onto my sensitive information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter concerning inaccurate information on my credit report, which I previously reported to TransUnion on XX/XX/XXXX. Despite my initial contact, I have yet to receive a response from TransUnion. The details of the inaccuracies and the necessary corrections are outlined below : The account with XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$500.00} ) has never been late. I request the correction/update of this inaccurate information on my credit report. 


The XXXX account ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ) is not mine, and I request its removal from my credit report.
Product: Debt collection

Continues to call after I've told them to STOP calling. I have now received FOUR calls since the last time I notified them to stop calling. Each time the agent who calls says this is the first time they've called, meaning them the person NOT the company. It's a lie and a tactic to skirt around the fact they've been told not to call. I have received no notice in the mail yet they continue to harass me via phone for collection. EACH person says they'll put it in their system not to call then proceeds to still harass me about the debt.
Product: Credit reporting or other personal consumer reports

All 3 bureaus are reporting this account to be closed with a balance. The balance on the account should be XXXX. Due to it reporting over the limit it has caused my score to drop making it difficult to obtain new credit.
Product: Money transfer, virtual currency, or money service

PNC Wont Allow Me To Link My Account With Other Accounts. XXXX, XXXX, XXXX All Say The Same Error Message. When I Call PNC They Dont Know Anything And Says Its On The Other Businesses End.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block Inc. ) for incompetence within customer service and the unfair practices, in which violates Consumer Financial Protection Act ( CFPA ). Cash App has failed to protect and represent its users in a timely manner, prevent fraudulent transactions, and address any fraud on their platform, leaving my account susceptible to suspicious and unauthorized activity. Furthermore, their dispute resolution process was unfair and deceptive, as they failed to comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Thr consistent inconvenience has caused me immense frustration, loss of personal finances, and I seek appropriate redress for these many violations.
Product: Debt collection

i was serve with a complaint by XXXX XXXX credit card ... and was in court yesterday and the attorney claims they are employee of XXXX XXXX,, prior to court services when i was serve i call XXXX XXXX card service to get information for this claim.. and i was told that it was charge off and had been given to attorney network ... but the attorney i asked them are they working on behalf of XXXX XXXX and any money that they receive will it be going to XXXX XXXX or a collecting agency, they stated that they where going to forward it to XXXX XXXX that what they told the mediator ... when we know that not true, in the complaint they stated that a copy of the contract was attached and it was enter into valid consideration and lawful and proper purposes and is legally force able in all respect .. but there is no actual contract submitted, they are trying to say the billing statement is the contract, when i told them i did n't open the account that they are pursuing, that it was open with the intent of me being the authorize user, i never new that my information was being use to be the card owner, unaware because i never had a card until later, the person that open the account had the card in there name later when was given to me, with my name i was told that they added me as the authorize user i could use it but i never did, so a ask if they could show me the contract that i sign, which i never did so i disputed it, the attorney stated in the complaint that the plaintiff and the defendant consented to a sum of the credit balance due, no i never did, in the Affidavit it state they are and employer of XXXX XXXX and have personal knowledge of the matter of how capital creates and maintain certain business books and records including computer records of the customer account authorized by them ... when i myself did n't open that account, so that would be consider hearsay, there no proof or contract to that matter that has my signature, i just checked my credit report it states that it was charge off, so why would capital still be personally pursuing this debt, the attorney is making up anything to collect, so i stated to them that i did n't open this account someone else open this account without my permission, they said they are employers of XXXX XXXX so why cant they come up with and actual contract
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving an advertising from Discover card on XX/XX/XXXX I did apply for the card. The advertising mentioned that it will not affect my credit score. During the application came on the screen the word " Felicitation ''. Was applying from out of home and the credit card left a message on my home phone when not present. Than came on my computer that the application was refused. Called Discover from my cell phone being out of State explaining that I couldn't not get the code. Discover told me sorry we can't do anything. Few days later saw that there was a hard inquiry on my credit score from Discover Financial. 
I already did contact you previously about this issue last year. Receive an email from a certain Mr. XXXX XXXX from the Executive office of Discover Financial. Did answered same day his email explaining the issue and since never got an answer. Emailed again Mr. XXXX XXXX on XX/XX/XXXX and still do not have an answer. 
Was yesterday ready to buy an XXXX  vehicle because I have an XXXX  and the finance company is charging me {$140.00} more because of the hard inquiry from XX/XX/XXXX. 
The contact person at Discover Executive office email is : XXXX, Phone number : XXXX I feel I have been mislead by the advertising of Discover card and ask this to be resolved. 
Respectfully, XXXX XXXX
Product: Student loan

I got a call today on XXXX XXXX and the collector from Robert sugar law offices in XXXX Ohio called me in regards to a debt I/O for a student loan she wasnt very rude in tone but she did threaten legal action against me because I was unable to tell her a amount and date on which I was able to pay due to begin quarantined from my job from the COVID-19. yes I was getting paid at the time but had to spend most of my resources and some of my 401k  trying to get everything clean in my home and trying to make sure me nor my elderly grandfather in the home caught the virus. I am in a very stressful position since working at home due to the extra bills didnt have before. I am Im very behind and I am unable to pay that bill at this time and with the legal action getting thrown against me during this hard time it definitely set me off and I really dont wan na work with a company again due to my ignorance of the law. I dont want anything to be brought up against me in court in regards to this matter because I didnt go to law school so I dont really know the legal terms in the legal fall through.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian disconnected my bank account with XXXX XXXX XXXX XXXX from their XXXX program. This program, they claim, can raise your credit score. However, my bank does not populate. I have asked that XXXX be added several times to no avail. My XXXX account was connected last year, but all of a sudden became disconnected. I need it reconnected but Experian is not offering a solution to this situation.