23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Why do you still have inaccurate personal information on my credit file? I was denied insurance because my birth year is incorrect at XXXX! 

Experian, XXXX, and XXXX please make sure you have my correct name and address. 


Please fix this information
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Product: Student loan

I enrolled in XXXX for XXXX term in 2010. I was told by the financial aid counselor at the time that I could use federal student aid to cover the cost of class. After classes began there was a delay in processing my student aid and so my student account was placed in negative status. After continued contact between myself and my counselor I was able to correct the issue and the money was dispersed to the University. It was at this time I was told they would not be able to use federal funds, and that I would have to cover the costs out of pocket. This after the term was actually over and I received a final grade for the course. After informing them I would be unable to as I was unemployed at the time, which was the reason for using federal aid in the first place, I was told that if I did not the account would be placed in collections and reflected in my credit report. This has been the case ever since.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery Associates is reporting a debt on my credit file and they have refused to validate the debt, dates, provide me with requested invoices how deposit was applied and original contract. They have contacted my father and my children.
Product: Checking or savings account

CITI bank advised that open an eligible Checking Account and earn a cash bonus of {$200.00}, {$500.00}, {$1000.00}, {$1500.00} or {$2000.00} when you complete required activities. 
1 Simply deposit qualifying funds within 30 days of account opening and maintain your balance for an additional 60 days from the 21st day to unlock your bonus.

2 Only New-to-Citibank checking customers can take advantage of this offer.

Here was my timeline : 1 on XX/XX/XXXX, I opened the on line account since there was no local branch in Kentucky. I did not get any response from CITI bank within next one week. 
2 On XX/XX/XXXX, I got an email from CITI that " Thank you for choosing Citi for your banking needs, and congratulations on your enrollment in the New to Citi Checking Cash Bonus Offer. We hope youre enjoying your new Citi checking account. '' 3 On XX/XX/XXXX, CITI told me that the on line checking account was ready ; 4 On XX/XX/XXXX, I verified the account ; 5 XX/XX/XXXX ( Friday, I began to transfer the {$25000.00} into citi account because of the day transfer limitation and took 5 days into CITI banks ; I deposited three time within next three days ; 6 On XX/XX/XXXX, the total {$75000.00} into CITI banks. 
7 XX/XX/XXXX, I found I did not get the cash bonus {$1000.00}. I called the CITI banks and they gave me a reference No and let me call back 5 days later. 
8 On XX/XX/XXXX, I called back again. They agreed that I was qualified for the cash bonus and gave me another reference No. They told me that they would give me an answer on XX/XX/XXXX. 
9 On XX/XX/XXXX, I called the bank and they agreed that I was qualified for the cash bonus and asked me to mail all the evidence to CUstom service center. I mailed. 
10 On XX/XX/2023, the bank told me that I was not qualified for the cash bonus because I did not fund the money within 30 days. They only briefly checked my bank account for the first month. They emphasized that my account was opened on XX/XX/XXXX. However, they did not acknowledge that my on line checking account was ready on XX/XX/XXXX. 
10 On XX/XX/2023, I called the bank, the supervisor asked me to call back on XX/XX/XXXX so that they would investigate it and gave me another reference No, XXXX XX/XX/XXXX, I contacted the CITI bank again but no result
Product: Credit card or prepaid card

Two weeks ago I called customer service of Bank of America Credit Card reward program asking to redeemed my {$15.00} points in any way - transfer to my checking account, as a credit in my credit card or cash by check. The agent and supervisor denied my requested even I explained them I have n't used my card since one year ago. Also, I wo n't use it because I do n't need it. They told me even If I cancel my credit card they going to hold my points {$15.00}. I told them It 's no fear. I earned those points so It 's my right to ask for them. The supervisor told me if I want to redeem my rewards I have to earn {$25.00}, it means I have to expend more money using my card. I think the bank has no right to force me use its card.I asked please the bank if I can have one time courtesy as a good and loyal customer. They denied it. Please, I need your help about this because again it 's completely unfear. Thanks a lot, XXXX XXXX Bank of America cash rewards credit card
Product: Credit reporting or other personal consumer reports

XXXX XXXX ID # XXXX Nelnet ID # XXXX As of XX/XX/year> Nelnet Student Loans has not refunded a $ XXXX lump sum payment to me. This was part of the discharge agreement. Nelnet then states that payments will resume in XXXX. 

As of XX/XX/year> XXXX student loans has discharged my loans. However, it states that the loan amount will be payable XXXX. This amount in question should have been fully discharged by Nelnet. 

XXXX XXXXXXXX XXXX XXXX XXXX ( now closed ) cancelled a college course, and charged me {$980.00} for tuition. They threatened to send the amount to a collection agency. I had to pay the amount on my credit card, and later fell behind on payments. 
I was attending school and working full time, and had just bought a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXXXXXX XXXX  XXXX XXXX XXXX ( Original Creditor : ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items following Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX XXXX {$400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$6800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

violation of hippa and cra inaccurate information
Product: Checking or savings account

We have attempted on numerous occasions to resolve the business account that we have with Chase XXXX. I am XXXX with numerous XXXX XXXX, I am over XXXX XXXX XXXX and am in XXXX and not able to travel. I appointed XXXX XXXX to be my XXXX XXXX XXXX with the necessary documents legally notarized. Chase XXXX refuses to accept the P.O. unless I go personally to the bank which is impossible. I would very much appreciate if you could assist us in this vital situation.
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. 
It has been 30 days and you are in VIOLATION of this law because I am 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!!!
Product: Credit card

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington , DC XXXX THIS COMPLAINT IS DIRECTED TO THE CONSUMER FINANCIAL PROTECTION BUREAU and SHOULD ONLY BE RESPONDED TO DIRECTLY FROM an AUTHORIZED AGENT OF THE CFPB, and NOT the RESPONDENT, BARCLAYS ' Bank. Dear Consumer Financial Protection Bureau, On XX/XX/XXXX, I received a letter from Barclays, stating that it denied my credit application that I submitted to Barclays back on XX/XX/XXXX, because when I, in good faith, exercised my right to file a consumer complaint against Barclays with the CFPB under complaint number XXXX, a year ago on XX/XX/XXXX, that I allegedly sent a copy of the CFPB complaint to Barclays at a representative 's home address and included that address as part of the complaint that I submitted through the CFPB public website on XX/XX/XXXX. These allegations are untrue. I did not send a copy of the CFPB complaint to Barclays at a representative 's home nor has there been any supporting evidence that anything was mailed to Barclays at a representative 's home. Furthermore, I had no knowledge that the address that was included in the CFPB complaint for the Dispute Advisor at Barclaycard, was that of a representative until receiving the letter from Barclays dated XX/XX/XXXX, which stated that the address was that of a Barclays representative. Nor would I have known the address for any Barclays representative, and the address for the Dispute Advisor at Barclaycard that appears under the CFPB complaint number XXXX was obtained from another public website under Barclays contact , and not for any one specific representative at Barclay. For these reasons, there were no basis to deny the application " based upon improper and unacceptable interactions '' allegedly had with a Barclays representative regarding my former Barclays account. The most that can be said is that the application was denied on the basis of my age, gender, marital status, race, color and/or for in good faith exercising my rights under State and Federal Consumer Protection laws by submitting the CFPB complaint. When I responded to Barclays ' letter through the CFPB portal on XX/XX/XXXX, it closed the complaint as a duplicate. On XX/XX/XXXX, I requested that Barclays explain why CFPB complaint number XXXX was closed as a duplicate without being addressed by Barclays when it was submitted in response to the XX/XX/XXXX correspodence received from Barclays and the FACTS alleged were materially different from those that were alleged in CFPB complaint number XXXX and relate specifically to events that occurred AFTER submission of that complaint, namely the facts that were disclosed for the first time in Barclays XX/XX/XXXXXXXX  correspondence. On XX/XX/XXXX, Barclays closed that complaint out too as a duplicate without addressing the issue.
Product: Credit reporting or other personal consumer reports

15USC 1681 SECTION 604 THESE INQUIRES WERE DISPUTED AND REMOVED LAST YEAR AS RESULT OF A FRAUD AND IM NOT SURE WHY THEY ARE ON MY REPORT. I KNOW THIS LAW PROTECTS ME FROM THESE INQUIRIES BEING ON MY CONSUMER REPORT BEING THEY ARE NOT CONNECTED TO AN ACCOUNT WITH ANY EXTENSION OF CREDIT. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

I have tried on several occasions via CFPB, phone calls and direct disputes through Equifax to send me documentation on how they were verifying the XXXXXXXX XXXX account reported on my credit report. I specifically ask them to give me the names, phone number and person or persons theyve spoken with that verified the account. They continuously tell me that they do not have to furnish that information. This company was recently sued by CFPB for not properly investigating accounts. I am writing again to formally dispute information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), U.S.C. 1681, which requires credit reporting agencies to conduct a reasonable investigation of disputed items. Recent finds by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifax failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under FCRA. As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), and information found to be inaccurate, incomplete or unverifiable must be properly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.
Product: Money transfer, virtual currency, or money service

I am a victim of XXXX scam. I have wire transfered {$10000.00} for trading crypto currency to Bank of America. Later i realized that they are scam and using fake crypto currency trading platform. They did not allow me to withdraw my money and blocked my account. I have opened a fraud claim with the bank and requested to refund my money but Bank of America rejected my claim. I filed a claim with XXXX and reported to local police department. 
Below are the wire transfer details. 

Beneficiary Information : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CALIFORNIA XXXX Beneficiary Bank : BANK OF AMERICA, NA, NY Account : XXXX ABA # : XXXX Crypto Trading platform - https : //smatl.com
Product: Credit reporting or other personal consumer reports

I am writing to formally request that all the accounts listed below be blocked and permanently deleted from my credit report as a result of a recent data breach, pursuant to the Fair Credit Reporting Act, 15 USC 1681c-2 ( a ), and FCRA 605 ( b ). These accounts were fraudulently opened or reported without my authorization, and I am a victim of identity theft. 
Please find the details of the fraudulent accounts below : XXXX. XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$23000.00} XXXX. XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$10000.00} XXXX. XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$10000.00} XXXX. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$1100.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$1100.00} XXXX. XXXX  XXXX  XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$5700.00} XXXX. XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$10000.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$410.00}
Product: Student loan

Account # XXXX ( Since 2009 ) So I owe Navient private student loans. For the past 8 years I have paid Navient some type of payment. Even when I was going to school. I know they recently combine my loans into one billing and they are now charging me only 1 % but it is still too much. It is at XXXX but I'm laid off and once again I called today to ask how much have I contributed to my loans? My student loans were around 8k, and that 8 years ago and I still owe XXXX. So need to know if Navient has added unnecessarily interest. It seems like I've been in a never ending cycle of debt with Navient. I need {$0.00} payments. I need this because for the past 8 years I have paid over and over again some type of payment. I need forgiveness for this loan. I'm going through a lay off and the same hardship for the past year now. I need forgiveness and I need this loan forgiven once and for all.
Product: Credit card

On the evening of Tuesday, XXXX XXXX, 2016, my credit card wallet was stolen from the locked trunk of a family member 's vehicle. One of the cards stolen was my Citibank-issued Sears MasterCard. While at the police station, waiting to file a report, I began contacting my credit card companies by phone. I tried three different times to contact Citi/Sears about that card. Each time, I was put on hold for too long. ( And as it turned out, I WAS calling during " open '' hours. ) I continued to work on cancelling cards until I was released from the station and sent on my way home. Once at home, I contacted XXXX XXXX Services, through which I have the XXXX plan. Because my Sears card was registered with XXXX through XXXX, XXXX was able to have my Sears card blocked. HOWEVER, it must have been just a matter of timing, because before the card was stopped, I was hit for {$3600.00} in fraudulent charges at the local XXXX. I did not become aware of this until the morning or early afternoon of Saturday, XXXX XXXX, 2016, at which time I attempted to contact Citi/Sears. My initial point-of-contact took some information from me and then put me on hold for an extended length of time. She finally came back on the line to inform me that the Citi/Sears fraud department is closed on Saturdays and Sundays and that I would have to try again to file my fraud claim come Monday, XXXX XXXX. I find it utterly inexcusable that one of the largest credit card issuers/servicers in the United States does not have XXXX/XXXX/XXXX fraud/loss services available. Once I spoke with them today, I did verify that they are indeed closed on the weekends and only available on weekdays from XXXX to XXXX CST. Again, I find that inexcusable. So, this is the complaint that I wish to submit. A credit card issuer/servicer should be required to provide XXXX/XXXX/XXXX assistance in the cases of fraud and/or loss. Thank you.
Product: Student loan

I called and emailed Edfinancial services on XX/XX/22 requesting a {$10000.00} balance be reinstated on my student loan account and refunded via original payment method. They did not respond to this request via email, and the customer service rep over the phone told me they could not give me any information about it at that time. I called back on XX/XX/22 requesting a {$10000.00} balance be reinstated on my student loan account and refunded via original payment method. I also asked for a timeline of how long this balance will be reinstated, when I would receive email confirmation of such request, and how long the refund will take to process. The customer service rep refused to give me any confirmation that the request was made, and also could not give me a straight-forward answer regarding timeline for the balance being reinstated and refunded. 

As of XX/XX/22, I still do not know when the {$10000.00} balance will be reinstated to my student loan account, when the {$10000.00} refund will be returned to my bank account, and I do not have any email confirmation of such requests. It is unethical they can not provide me with proof my requests and/or a timeline for them.
Product: Debt collection

This debt was disputed with the first collection agency. Now replaced with ERC. I didn't live in Georgia at the time the bill was created. I live in XXXX XXXX FL. I have asked for a wet signature but Noone have been able to provide it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 a account without my written instructions,
Product: Credit card or prepaid card

Got a promotion from Bank of America if I do apply before XX/XX/2022 saying you will get {$200.00} cash rewards bonus after making at least {$1000.00} in purchase in the first 90 days of the account opening, which I did exactly using there promo code XXXX also saying Unlimited cash back and no annual fee. after waiting few months I tried get the {$200.00} cash rewards and the website will not allow me to do that stating I did apply for a traveler rewards which I never did in the first place. after talking to customer services many time and saying the will fix the problem which they never did. Last time I contacted them and they were not helpful for solving this problem at all. I still have the promotion letter they sent. I fee their promotion is misleading instead sending me the card of the cash back which allow me to get my {$200.00} cash rewards they did send a card with traveler rewards which I never wanted.
Product: Money transfer, virtual currency, or money service

PNC Bank will not connect with XXXX savings account.