23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Citi had a promotion being offered that said when you open a Citi XXXX XXXX Credit Card and spent {$1500.00} within the first 6 months of opening the account you would receive a {$200.00} statement credit in the form of XXXX Thank You points which can be redeemed for a statement credit, gift card or other offers. I opened my account in early XXXX of XXXX, and was able to clear well past the {$1500.00} spending amount by spending well over {$2000.00} within the first 6 months of the promotional period. After waiting a couple months after the promotional period ended and never receiving the credit promised, I opened live chat with a representative about not receiving the promotion on XX/XX/XXXX. During a lengthy conversation with a representative named XXXX, this person kept making false claims stating I didn't meet the purchasing requirements. However, I have statements and XXXX also claimed they could see the statements on their end, showing well over {$2000.00} spent within the promotional period. In my opinion, XXXX was using word salad and being dishonest right in front of me since we were both looking at the same statements. It's very clear they are attempting to get away with not honoring their own promotion. This is my first credit card and/or doing business with Citi Bank in any capacity, and I am shocked and appalled that they would fight me over a {$200.00} statement credit on a promotion they offered me to open a Credit Card XXXXo begin with. Why even make the offer if they are just going to be dishonest and attempt not to credit it when the offer is completed on my end? I honestly can't believe I even have to file this complaint, this is very unethical.
Product: Payday loan, title loan, or personal loan

I refinanced a loan with One Main Financial, per my loan documents, my first payment is due XX/XX/XXXX, I made my payment early, and it is not crediting to my XXXX payment it still states I owe the payment for XX/XX/XXXX! I contacted the branch where I did the loan, they assured me my payment was credited and my next payment was not due until XX/XX/XXXX see following email Hi XXXX, Due to your payment of {$190.00} on XX/XX/XXXX, your account will not be due for a payment until XX/XX/XXXX. You have made your XXXX payment. 

Thanks, XXXX XXXX | XXXX. Personal Loan XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX XXXX | XXXX However when i log in it still says due XX/XX/XXXX, I sent him the snap shots, he then referred me to call the online department to sort it, and to let him know if I had any problems I did call, XXXX and explained to the girl, was put on hold for a very long time while she checked with her manager? After being on hold for 17 minutes she came back on, said the payment was showing but because i made the payment early it will still reflect it is due?

I asked to speak to the manager, she was busy and would have her call me? 
I have snap shots of all, this is really ridiculous!
Product: Credit reporting or other personal consumer reports

The following accounts are not mine. I have know knowledge of these accounts and these accounts were not authorized. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

My wife and I received XXXX XXXX credit cards ( with Barclays bank ) that we didn't apply for. Many years ago we had an XXXX XXXX credit card through XXXX XXXX but it was closed a long time ago ( many years ). My wife called Barclays and they informed her that XXXX sent Barclays our information. We did not receive any notifications from XXXX that our personal information ( tied to a closed account ) was transferred to another bank, nor did we approve it. The credit card account was opened without our consent or knowledge. 
I called XXXX bank to inquire why our personal information ( names, XXXX, address, ... ) was shared with another bank and the account was opened without our knowledge, the banks employees I spoke with ( XXXX with customer service and XXXX with the fraud department ) couldn't provide an answer and were not able to help. The phone call with XXXX took place on XX/XX/2022 at XXXX XXXX until XXXX XXXX when it got disconnected by XXXX. 
Not only these banks opened an unsolicited account, they went as far as collecting our updated personal information ( such as my changed first name and new home address ). 
What XXXX and/or Barclays did is fraudulent and needs to be addressed accordingly by the authorities to stop this from happening again.
Product: Checking or savings account

I have a joint checking account with my mother at Capital One bank. My mother is the primary account holder and recently XXXX XXXX. Even though I am a joint owner and should have equal access, Capital One froze the account and refuses to release the funds without a copy of the XXXX certificate, which may take a while due to some issues with the doctor signing the certificate. My mom opened this account with me with the intention that I would be able to access the funds in order to handle expenses when she XXXX. Capital One did not properly disclose their practices when the account was opened. As a joint owner, I should have equal liability and benefit in regards to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts appear on my credit report, they do not belong to me and are hurting me Identity Theft DEPT OF EDUCATION/XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DEPT OF EDUCATION/XXXX Account Number : XXXX This is not mine. 

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

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

On a PayPal checkout they signed me up for PayPal credit without my approval. I never saw an option or wanted their credit card. They are refusing to work with me and forward me to some collection agency. 
see : XXXX for prior issues
Product: Debt collection

The company Navient has continued to call multiple times a day. I have let them know that we have filed a forbearance and that the loans are being consolidated with the Department of Education. i have been polite speaking with these people but i have now explained the situation 4 times and they continue to call.
Product: Student loan

I had a hard paying my private student loan. Now a law firm is suing me. I hired a lawyer to help me. He has been trying to contact the firm to negotiate but they are not responding. Today I received a new summons about the same loan from another firm. I would like to settle this loan and stop wasting money on the lawyer when that money could be going towards the loan.
Product: Checking or savings account

Navy Federal Credit Union, business account, checking and savings. 
We have been trying to close these accounts for months now. They have been dormant for 7- 10 years. But Navy Federal is using every possible excuse not to close the accounts. 
We went to the local branch and they said they can not close a business account. 
Then we tried over the phone to close them without any success. We were dealing with the main office near XXXX, VA What's the problem? the company has been out of business for at least 7 years. They are now XXXX balance. We didn't open an account for life. 
NFCU XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

An unauthorized hard inquiry has been identified on my credit report, indicating a possible fraudulent credit card application. This inquiry, made without my consent, raises serious concerns regarding identity theft and financial fraud. Urgent measures are required to limit additional harm to my credit standing and thwart unauthorized access to my finances. I have promptly informed fraud identity and credit monitoring agencies to investigate and address this fraudulent activity. I implore you to safeguard my financial security and restore my peace of mind.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX There was an account opened that I had no involvement with, I noticed these mistakes XX/XX/XXXX. If this can be resolved I would be very appreciative, Please and Thank you!
Product: Debt collection

I HAD MEDICALIL INSURANCE THEY NEVER BILLED THAT I HAD XXXX XXXX XXXX XXXX, I HAD XXXX AS XXXX, I XXXX, THIS IS A BILL FOR! XXXX $ I GAVE MY INSURANCE INFORMATION I HAVE 2 BILLS WITH THIS COMPANY AND I GAVE MY INSURANCE INFORMATION AND THIS BILL IS STOPPING ME FROM RENTING A APARTMENT I AM 23 YEARS WITH MEDICAL DEBT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX. XXXX. # xxxxxxxx XXXX. XXXX. # XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I recently began getting my wages garnished by Calvary Portfolio Services who claimed that they had a jidgment against me for over XXXX. I was never served judgemnt papers or even a notification of the court filing or date. I also never was notified about the garnishment. The actual debt is not even on my credit report so Im not sure how they are collection money I do not owe. When I called the attorneys office they used they had an address in a different state to which I live.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all 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 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: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number xxxxxxxxx and a collections account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX with a balance of {$1900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries 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 theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

The dates include : XX/XX/2023 to Current. The previous amount is XXXX. No action has been taken by the company other than their willful intent to defraud and operate in dishonor. On XX/XX/XXXX, I received shows the company incompetence of the law. They continue to return all of my request and legal presentments. I have attempted to resolve this matter.
Product: Debt collection

I have a few medical debts that i have been paying on since 2012 and the balance will not go down.
Product: Debt collection

Levied my bank account twice without notice and put me behind on mortgage car payment and other bills put me out of work and way off track
Product: Credit reporting or other personal consumer reports

There are accounts on my credit report that I never authorized. Please eliminate and block these suspicious entries.
Product: Debt collection

I am filing this complaint to address an inconsistency in my credit report involving an account that XXXX has already removed due to an identified error. I am perplexed by the verification process undertaken by your bureau, especially considering that other credit bureaus have successfully removed this account from their records. I kindly request that you conduct a thorough review of this account, taking into account the information provided by XXXX and the subsequent removal of the account from their records. As per my understanding of credit reporting laws, inaccurate, erroneous, incomplete, or unverifiable information should be promptly rectified. Accounts Details : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$100000.00}. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EQUIFAX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Social Security Number XXXX Re : Letter to Remove Inaccurate Credit Information Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate. 
1. XXXX XXXX XXXX XXXX XXXX Account Number XXXX Reason : Inaccurate and Misleading Showing A Balance Owed With Charge off Status. 
Reason : Debt Sold to Collections. 
Please investigate & delete this account Best Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, XXXXSageStream used an intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. XXXXSageStream reported my private nonpublic and personal information to affiliated and non affiliated third parties without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$9.00} ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXXXXXX XXXX Balance : {$23000.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

Debt went in collections. It was paid as agreed had contacted both the creditor and debt collector about reporting it correctly. Neither would acknowledged me and my problem
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deleted due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

THESE INACCURATE REMARKS ARE NEVER FOR ME AS I WAS NEVER LATE IN PAYMENT. PLEASE HELP ME UPDATE THESE.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of & thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXX XXXX XXXX date XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2020, I used my monthly subscription to Experian 's " Experian CreditWorks Premium '' service to get my new credit report and credit score. The new report stated I did not have a credit score as I had no activity on any of my accounts. This is incorrect, and I contacted both my bank ( XXXX XXXX XXXX XXXX, with whom I have my XXXX  and only credit card ), and Experian to ask why, as of XXXX XX/XX/2020, my score was XXXX, and now, despite continuing to pay my credit card off in full each month, my score was XXXX. XXXX insisted that they have not changed how they report my credit information, and they confirmed that I continue to pay my credit card bill as required and in full each month. Experian insisted that it's either FICO 's or XXXX 's fault for showing " no activity for six months '' that would allow them to calculate my credit score. Again, less than two months ago ( the last time I refreshed my credit report ) my score was XXXX ; now it's XXXX XXXX XXXX XXXX. The only thing I can think is that because I'm disputing one charge on my XXXX credit card ( I reported and initiated this dispute with XXXX on XXXX XX/XX/2020, and as yet, they have not adjudicated my dispute ), Experian is taking it upon itself to deny me the ability to have a credit score, since my one credit card account is in dispute ( though as I wrote, I still pay it in full each month ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report, and I had no idea about the accounts and multiple inquiries, that I am disputing. I have never had any contracts or I have never agreed to any of these accounts with my signature.