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

In XXXX, I applied for a Citibank Citigold checking account using their promotional code XXXX on my application. This offer promised XXXX XXXX bonus miles after opening a new consumer Regular Checking account in The Citigold ( R ) Account Package and fulfilling their necessary requirements of Qualifying Debit Card purchases and Qualifying Bill Payments in consecutive months. Along the way, I continuously checked in with Citibank representatives ( through their online chat system ). Initially, I simply checked in XXXX XXXX/XXXX/16 XXXX to make sure the promotional code was indeed associated with my account. And I received written confirmation that if I did fulfill all the requirements, I would get the bonus. ( Please see 'Citibank Conversation XX/XX/2016 ... ' attachments. ) After that day, I continuously checked in to make sure I was on track, and I got the final confirmation on XXXX/XXXX/16 that I had indeed fulfilled all of the requirements. ( Please see 'Citibank Conversation Proof that I fulfilled.. ' attachments. ) I had been told that the XXXX bonus miles will be credited by Citibank to your XXXX account within 90 days from the end of the statement period in which you complete all offer requirements. So, I waited 90 days, and I still had n't received the miles. I checked in with a Citi representative, who told me he could n't help me but someone would get back to me within a few days. After a week, I tried again. ( By this point, I had been charged repeatedly for the maintenance of the Citigold account, losing that monthly fee money each month. ) The representative created a case number for me and again told me to wait on reply. Finally, on XXXX/XXXX/16 I was told that I was ineligible for the miles since I was not specifically targeted for the promotion. At this point, I am very frustrated because not only had I took the time and energy to open the account and fulfill all the requirements specifically for this bonus, but I had been told repeatedly by Citi employees that I was on track to receive them and that the promotional code was associated with my account. I am also out money taken by Citibank for the fees I would not have been paying if I had n't been trying to get this promotion. 

We sincerely appreciate you taking the time to investigate this on our behalf! We tried to do our due diligence along the way to ensure everything was in line with Citi, but it is clear they are going back on their words. Thank you so very much!
Product: Mortgage

Authorization was faxed on XX/XX/18. The request to attach the authorization to the account was made very clear on the fax cover sheet. Fay Servicing is refusing to attach my authorization to the account and is refusing to speak to me, even though the homeowner/borrower has explicitly given us permission to speak to Fay Servicing. We have given Fay Servicing, the Account Manager, XXXX XXXX XXXX XXXX ), and XXXX manager several opportunities to abide by the homeowners request, yet they refuse to do so. 

***Please note that we did finally receive a payoff demand from Fay XXXX so its obvious the DO have our authorization and are PURPOSELY REFUSING TO ABIDE BY THE HOMEOWNER 'S REQUEST. ( See attached Payoff Demand from XXXX and our authorization faxed XX/XX/XXXX ) I want the authorization attached to this account IMMEDIATELY. 

I want an update on the loan modification process IMMEDIATELY. 

I want Fay Servicing fined the maximum of {$1.00} million due to their refusal to service this loan according to Federal and State servicing guidelines. 

CC : XXXX XXXX, Attorney General of California
Product: Credit reporting or other personal consumer reports

Hello, these companies accessed my credit report without my permission, resulting in damage to my credit and score. Despite contacting Equifax and being assured that these inquiries would be removed, they still appear on my report. These unauthorized and fraudulent inquiries are causing me significant anxiety, as they may indicate I'm a victim of identity theft, adding unnecessary stress to my life and further impacting my credit score.
Product: Student loan

On dates- : XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX I requested an itemization of the current amount of the debt with specification of where each student loan amount was applied to and its corresponding Semester/School Year. 

My request was initially forwarded to the legal offices of XXXXXXXX XXXX XXXX  XXXX XXXX who to date have failed to provide me with the requested information thus my rights under the XXXX Consumer Finance Protection Bureau Debt Collection Rule was disregarded making XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX 

Though, it is true that in good faith on XX/XX/XXXX, I agreed to payment of all student loan monies owed to XXXX XXXX XXXX XXXX XXXX XXXX additional information from the Student Loan Financer, Navient, called into question the Accounting practices of XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

Navient provided me with an Itemization of the current amount of the debt ( including interest, fees, payments, credit ) and the specifications of each semester in which the loans were applied. Navient paid monies to XXXX XXXX XXXX  XXXX XXXX via Student loans I obtained during corresponding semesters.
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 ...., Account name : XXXX XXXX XXXX XXXX XXXX # XXXX .... 
Account name : XXXX XXXX XXXX XXXXXXXX... 
Account name : XXXX XXXX XXXX XXXX # XXXX .... 
Account name : XXXX XXXX XXXX XXXX # XXXX .... 
Account name : XXXX XXXX XXXX # XXXX .... 
Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX .... 
Account name : XXXX XXXX XXXX XXXX # XXXX .... 

has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Credit reporting or other personal consumer reports

Inaccurate Negative Remarks : The negative remarks associated with this debt are inaccurate. Dept of Education has failed to provide any documented proof to substantiate these negative details. Additionally, there has been no legal correspondence or opportunity for me to defend myself against these negative entries on my credit report. This lack of evidence and due process is a direct violation of my rights under the FCRA. 
Incorrect Reporting of Daily Transactions : The daily transactions being reported are inaccurate and misleading. I do not have any contractual agreement with Dept of Education that authorizes the reporting of these transactions, nor any agreement that specifies the terms of such reporting. The reporting of late payments is particularly egregious, as I have no contract that stipulates these terms, making any late payment entries invalid. 
This debt was federally discharged in XXXX, as per the official discharge order issued by XXXX XXXX XXXX XXXX Despite the discharge, XXXX, XXXX and TransUnion continues to report this debt, which is in clear violation of the FCRA. This not only misrepresents my financial status but also causes undue harm to my creditworthiness.
Product: Credit reporting or other personal consumer reports

Disputing these accounts is because the information reporting is in violation of the FAIR CREDIT ACT
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage company not reporting loan to credit bureaus. Stated theyve tried to report current loan that's still existant and states credit bureaus refuse to report the account. 
Credit bureaus stated to me that this is not true. I've enclosed the letter from the mortgage company
Product: Credit reporting, credit repair services, or other personal consumer reports

The one missed late payment with XXXX XXXX XXXX is inaccurate. All of my payments with XXXX XXXX XXXX as always been on time. I have not had a late payment with XXXX XXXX XXXX.
Product: Mortgage

RE XXXX XXXX XXXX XXXX, XXXX, AZ XXXX : I was manipulated into a derivative swap, described as a Mortgage, which benefited the writer of the note and violated Federal Statutes. As a result of this action, I was exposed to a trustee sale. It is a natural consequence of this failure to disclose the promissory note that I could lose my property interest. See : Truth in Lending Act ( TILA ), 15 USC. Sec 1601 et seq. The Real Estate Settlement Procedures Act ( RESPA ), 12 USC sec 2601 et seq. & the Home Ownership Equity Protection Act ( HOEPA ) 15 sec 1639 et seq. Between XX/XX/XXXX and XX/XX/XXXX the promissory note was assigned to HomEq Financial Network. Despite the alleged reassignment of the promissory note, I never received notification of the transfer and neither HomEq, XXXX XXXX  nor XXXX XXXX Company can claim interest in the subject property. See : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). Under the XXXX XXXX XXXX, the only notice sufficient to inform all interested parties that a security interest in instruments has been perfected is actual possession by the secured party, his agent or bailee. See Also, Lending Act ( TILA ), 15 USC. Sec 1601 et seq. The Real Estate Settlement Procedures Act ( RESPA ), 12 USC sec 2601 et seq. & the Home Ownership Equity Protection Act ( HOEPA ) 15 sec 1639 et seq
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

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

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

Dear XXXX  XXXX XXXX : I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of the consumerto dispute information directly with the furnisher.

I'm also exercising my rights under section 9-210 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ). REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, and if not received within 14 business days, I will be deemed this account settled and closed and removed from my ALL major credit reporting agencies. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. 

If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. 

Otherwise, please provide me with your documentation showing that this account does indeed belong to me. 

Please send me copies of the contract used to establish the account with my signature on it. 

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent accounts on my credit report 18 USC Section 241 15 USC 1650 15 USC 3002-10 ( Person ) CFPB NEVER GAVE ME A CHANCE TO RESPOND TO XXXX ON THIS MATTER, CFPB JUST SHOWED EXPERIANS INTERIM RESPONSE AND NEVER GAVE THE OPORTUNITY TO RESPOND TO THE MATTER AT HAND. REPORTING OF FALSE INFORMATION ON MY CREDIT REPORT. ALSO NOT UPDATING INFORMATION CORRECTLY. KEEPING OOLD CLOSED ACCOUNTS ON REPORT WITH A NEGATIVE CODE, INFORMATION BEING SOLD OVER THE INTERNET FOR CFPB PERSONAL GAIN. 

XXXX XXXX : ACCOUNT XXXX XXXX  : ACCOUNT XXXX XXXX XXXX XXXX XXXX : ACCOUNT XXXX XXXX : ACCOUNT XXXX XXXX  XXXX  : ACCOUNT XXXX XXXX  : FILE # XXXX / ACCOUNT XXXXXXXX XXXX XXXX XXXX : ACCOUNT XXXX
Product: Mortgage

Trying to do a short sale on property located at   XXXX   XXXX   XXXX   XXXX   XXXX   NY  XXXX   XXXX  is in  XXXX  condition. Valued at  XXXX .     Bank is asking  XXXX  based on a appraisal done prior to my short sale submission.   When I asked the bank for a copy of their appraisal I was refused. I was told that that was the value and I would have to take their word.   They also told me at a later date that even if their appraisal comes in at a value they do not like they have people that have never looked at the property makings fair market value desicion from behind a desk without even looking ant the property.     I faxed the banks attorney at at   XXXX   XXXX   XXXX   requesting the appraisal and was denied. I believe that they real have no interest in Helping us avoid foreclosure and that they are tolling our account at a high interest rate 8 % .so they can as the servicer use my home as a cash register for their benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. My personal information is incorrect Incorrect Address : XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX. Did not consent to unauthorized inquiry. 
XXXX XXXX XXXX A Please Remove It From My Credit Report. 

XXXX. Did not consent to unauthorized inquiry. 
XXXX XXXX XXXX XXXX Please Remove It From My Credit Report. 

4. Did not consent to unauthorized inquiry. 
XXXX MORTGAGE XXXX Please Remove It From My Credit Report. 

5. Did not consent to unauthorized inquiry. 
XXXXXXXX XXXX  Please Remove It From My Credit Report. 

6. Did not consent to unauthorized inquiry. 
XXXX Please Remove It From My Credit Report. 

7. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Validate/inaccurate reported late payments. 

8. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX XXXX XXXX XXXX XXXX XXXX * Validate/inaccurate reported late payments. 

9. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ** Validate/inaccurate reported late payments.
Product: Money transfer, virtual currency, or money service

Good evening, I'm writing you for the following and not understanding why you placed an account limitation on my account as this is unacceptable to me. I use my PayPal debit card to make purchases as well as sending and receiving money to other buyers/sellers as well as transfers to and from my bank account. Just today you put an account limitation on my account and froze the balance of {$15.00} of my money for 180 days and you couldn't give me a reason for this, which is unacceptable you are not a bank. I would like corporate to step in if at all possible and come up with a resolution to removing the account limitations you set forth on my account, so I can continue using my PayPal account in good faith. 

I look forward to a response from your team, XXXX XXXX
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 U.S.C 1681. 

XXXX XXXXXXXX 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, has violated my rights. 

15 U.S.C 1681 Section 602 A, which states I have the right to privacy.

15 U.S.C 1681 Section 604 Sections 2 : 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 of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-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

I have unauthorized inquiries on my credit report and need them to be removed immediately by law. The FRCA states any unauthorized information or fraud needs to be deleted. These are the inquiries. 

XXXXXXXX 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 XXXX3
Product: Credit reporting or other personal consumer reports

XXXX & LVNV FUNDING LLC continue to this allege collection even though I have previously stated I have no obligation under law to pay this debt. I refuse to pay this debt and have not received any notice of my right to dispute this debt before it was added to my consumer report.
Product: Debt collection

It was not made aware to me that the original amount changed in half a XXXX and {$15.00} was written off and the amount that was left was {$1700.00} and I made a payment that went to the original amount of {$4000.00} and they are trying to have me pay the whole amount instead of the {$1700.00} to remove this from my credit report and delete the account.
Product: Debt collection

Experian has been requested for the last 4 months to removed XXXX XXXX, as its a fraudulent report requesting to collect inaccurate funds. Experian has refused to do so and disregarded request for a dispute. They have updated file with false against consumer request and when requested to delete file they have sided with business to further hurt score. Within documents you can see the have modified debt to go over limit so credit can not be accessed for car loan, they have report false derogatory marks to hurt score and have refused to validate information and have again sided with business. It is even evident they are falsely reporting information before the day its to be reported. They have a XX/XX/year> negative mark weeks in advance to suppress shore and disallow any credit to be accessed. They have reported false address that needed to be disputed as well as fall credit card limits that out account at 150 % over to again further hurt score. These consumer violations are all well documented and when trusted to fix them they reply with auto messages ignoring request
Product: Debt collection

Received a notice from XXXX XXXX XXXX that I owe {$300.00} to Paypal. 

I try to login to my account to review. I am locked out of my account. I call company. Company informs me I am locked out of my account. I ask repeatedly for the company to provide either an email or a letter showing what I owe and when. 

The company refuses and tells me I will get a letter from collections. I ask why are they writing off my debt to a third party? Paypal informs me this is from Paypal 's collection department. I find this incredulous because the collections letter is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX and not Paypal XXXX. 

Paypal can not send an email or letter showing what I owe. Further, what I find strange is that I paid outstanding balances in 2021. However, I can not dispute because I do not have access and the company will not provide proper notice. They did not notify me that they will be closing my account and sending it to collections and without my ability to properly review the account. 

How can I do business with a company with such business practices? Not being able to review the account in writing or electronically? This is not ethical. 

Please help, XXXX XXXX
Product: Checking or savings account

When paying things online with my debit card my money be taken out of my account but then they come back and try to charge me again. Plus when I make a deposit to try to get my account in the positive there still be messages saying my account is still negative and when I deposit a check they hold it and never deposit my funds on the next day. Plus its been times Ive had my child tax credit check deposited into to my account but when I try to purchase something my card always decline when theres more than enough money in my account for the purchase. Also when I got to the atm I get declined when its more than enough money in my account. This is embarrassing I have to call my the number on my card and wait for along time to get anyone. Wells Fargo is the Banks name. They are always late updating your account but quick to decline purchases or atm withdrawals and also quick to not accept deposited checks unless they are direct deposit but quick to let crooks withdraw money out of your account
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.
Product: Mortgage

In late XXXX, XXXX, I was offered mortgage loan forbearance during COVID by Wells Fargo. I did not call them, they called me. I accepted loan forbearance with the explicit understanding that during forbearance, no payments would be required, and no interest would accrue. At the end of the forbearance period, I would resume regular payments and there would be several options for repayment, including either extending the loan past the existing end date of the loan for additional months equal to the months of forefearance, or a block payment at the end of the loan. We started with 6 months, and multiple times Wells Fargo offered extensions up to 18 months. At each step of the process, I reaffirmed that interest was not accruing during forbearance. 

Now, back in repayment, on XX/XX/XXXX, Wells Fargo created a " Secondary Principal '' account in the amount of {$26000.00} apparently comprised of missed payments that includes accrued interest.
Product: Credit reporting or other personal consumer reports

Hi i noticed there was a hard inquiry on my credit from XXXX XXXX on XX/XX/year>. I spoke with a customer service representative from XXXX XXXX institution on XX/XX/year>. They were able to confirm a application for a loan was applied under my social security number at a OneMain location at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. The representative stated she will mark the application as fraud. she told me that the application didn't go through. I'm more concerned about the identity theft and the hard inquiry that impacted my credit.