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

On XX/XX/2023, Citi Bank presented me with an offer to receive a {$450.00} bonus for opening an XXXX XXXXXXXX account. I was presented this offer after logging in to my account. The bonus required depositing {$50000.00} within XXXX days of opening the account and maintaining that balance for 60 days after the XXXX day funding period. I deposited {$50000.00} and those funds were posted to the account in XX/XX/XXXX. In XXXX, I confirmed with a Citi representative that the offer was attached to my account. I also received a physical copy of the offer terms from Citi Bank via standard mail. I confirmed with an agent on XX/XX/XXXX that I had met all requirements and would be receiving my bonus within the next month. I should have received my bonus XXXX XX/XX/XXXX ; however, it was never deposited to my account. 

On XX/XX/XXXX, I initiated case XXXX with an agent as I still had not received my {$450.00} inventive. On XX/XX/XXXX, I received a response from Citi Bank notifying me that I wasn't eligible for offer XXXX as I wasn't targeted. 

A few things : -I was targeted by Citi immediately after logging into my account -I received confirmation of the offer via email and physical mail of my offer details -On multiple instances, agents informed me that I was enrolled and met the offer terms This really seems like a bait and switch by Citi bank. Target customers for new account promotions and then refuse to pay.
Product: Checking or savings account

Hello my name is XXXX XXXX an i was banking with chime about XXXX late but the close my account saying that I violated there guidelines an they close my acccount so they had me send all this documentation in an they never got back with me in XXXX I still had a balance on XXXX. An after I sent everything in I lost my phone an got kicked out of my house so now fast forward I got back in the account an now they are asking for the same documents that I sent over XXXX  years ago so I sent the documents to them.. an I got access to the email now. So I talk to another one there representatives a they gave me an amount of the check an also a reference number. An also told me my check will be sent to me in XXXX days but now when I call back they telling a hole another story so I was told to contact you guys can you pleas help me Sent from my XXXX Sent from my XXXX
Product: Debt collection

Dyck-O'Neal, Inc. filed over 1000 cases in Maryland using fraud from National Mortgage Settlement cases. Many Maryland families have been enslaved for life with 100,000. - 300,000 plus illegal judgments. It is time for action by authorities to demand restitution for crimes committed by substitute trustees NAMED in the National Mortgage Settlement. 

The Department of Justice knows about these crimes and should be issuing indictments and arrest warrants for the NMS 15 ( a ) violators ; any criminal act. I reported these crimes prior to this communication and your answer was less than acceptable given the dire circumstances of the victims.

I have been intimately involved in more than one of these cases with good results proving FRAUD. For way to long these NMS crimes have been allowed to continue. It is time to act for the citizens ( over 1100 ) in Maryland alone, obtain some justice. Looking the other way when crimes have been committed with substantial evidence to prove the cases is just another crime. I look forward to a easy process to prove over

1000 fraudulent debt collection cases. I obtained evidence from many files in Maryland the reveal the fraud involved in these illegal judgments. These cases are very easy to solve. The evidence in located in each one of the foreclosure files ( east to see ) and
the subsequent actions filed by DYCK using obvious fraud documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I came to XXXX on XXXX XX/XX/2022 for the first time. When i applied for credit card my bank told me that i already have a poor credit history in XXXX. 
Someone's file is mixed with my credit file. 

I have tried complaining multiple times and the issue is still existing. 

Equifax is not giving proper solution to it and because of that i can not build my credit.
Product: Checking or savings account

Dates from XXXX to XXXX. Ach withdrawls were transfered out of my account into another account that wasn't mine. Total amounts they calculated was XXXX but I calculated XXXX $ that was missing according to my bank statements. on XX/XX/XXXX I noticed XXXX XXXX Bank was listed as one of my external accounts ( which it never, appeared before XXXX ). I contacted Navy Federal and ask about the XXXX XXXX accoun, t, the representative said that I opened it in XXXX of XXXX, I told him that i didn't open that account and ask him for more information he didn't have a phone number but he gave me an account number # XXXX. So I started by calling the XXXX XXXX branch in XXXX and told the person why I was calling, he said their accounts didn '' t start with the number 2 theirs started with 3 he told he was going to transfer to another branch which was in California I told the rep why I was calling she asked for SSN number and verified I didn't have an account with them. Navy Fed had me to fill out form 82 and send it to them with dates and amounts and I did. They replied back and said that there was error on account activity and that I was responsible for the full amt.I appealed it requesting their findings. they never replied but closed my case.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : The reported late payment for XXXX, XXXX, XXXX and XX/XX/XXXX are incorrect. My payments were made on time, as confirmed by my bank statement ( attached ), which shows that the payment was processed and cleared before the due date. 
Clerical Error : There appears to have been a clerical error in recording the payment. My account history with XXXX XXXX shows consistent on-time payments, and the sudden report of a late payment does not align with my payment behavior. 
Extended Processing Time : The payment was made within the grace period provided by the creditor. However, due to an extended processing time on the part of the creditor, the payment was erroneously marked as late. This delay in processing should not negatively impact my credit report. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Mortgage

I changed home owners insurance XX/XX/2023. PHH is my mortgage company. They increased my monthly payment from {$760.00} to {$1000.00} without notifying me. I called PHH and asked why?. Their response was they decided reevaluate the Escrow Account based on Home insurance estimated to be {$4700.00} annually. My new policy with XXXX XXXX is {$2400.00} annually. They said they would do a reevaluation and get back to me. They did not contact me. I called several times to follow up. 

At the end of a call a request by the PHH company requested I comment on their service. 
I completed the request and ended with " I could not recommend anyone to do business with PHH mortgage based on my experience. As a result of my submitting my complaint I received an email from PHH apologizing and saying I would be contacted by another member of their team ' No contact yet. 

I have made 3 payments of {$1000.00} commencing in XX/XX/2023 I sent checks of {$680.00} and {$1700.00} escrow money from previous home owners insurance company. 
My loan number with PHH is. XXXX I believe this company has decided to increase my mortgage payment to increase profit. 

I am on Social Security. It is my only income. my budget will not support an increase in my mortgage payments. 
My original contact with PHH was very unpleasant. the man I spoke to had a very heavy accent and was difficult to understand. He did nothing to help me understand why the increase. He asked if i would like to pay {$4700.00} new escrow requires, I asked for his name and he gave me a code which i have misplaced. I am not tech savy and require patience. this man was rude and patronizing. 

Earliet this past week i called again and spoke to a very nice lady ; She said the reevaluation had been done and my payment would {$850.00} monthly. I can not handle this increase. Help me please
Product: Credit card or prepaid card

I had fraud on my account and my account was hacked which resulted to an investigation, after calling multiple times to get a status update and hopefully pay the existence balance I was told that I would be contacted after the investigation is done and I was told this XXXX times within a month. But unfortunately they still reported a missed payment on my credit report and saw a drop of up to XXXX points when I was not contacted or given a chance to make the payment. 

After contacting the credit card company they promised to fix it but after more than XXXX  days later nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated 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 reporting or other personal consumer reports

I contacted the creditors and credit reporting agencies involved in the inaccurate reporting of my credit. XXXX, XXXX XXXX, Transunion, and XXXX. I asked that the inquires be removed from my account, they weren't, I also asked for them to delete certain accounts and they didn't. I also asked these credit bureaus to stop reporting old addresses by first calling them, disputing through XXXX XXXX, now I'm submitting a complaint through your bureau for all three as well as XXXX XXXX, I asked them to clear up old accounts, addresses and derogatory information and they refused. Illegally using and reporting my information and keeping my credit history and score at an inaccurate, discriminatory level. After careful research these companies have violated numerous Titles, sections and statues in Consumer Law, there are but not limited to : THE FAIR CREDIT REPORTING ACT THE FAIR DEBIT COLLECTIONS PRACTICE ACT TRUTH IN LENDING ACT CONSUMER CREDIT FAIRNESS ACT FAIR CREDIT BILLING ACT EQUAL CREDIT OPPORTUNITY ACT *Title 12 CFR 1006.6,1006.10,1006.10,1006.14.1006.18,1006.22,1006.26,1006.30,1006.42, 1026.4 Title 15 U.S.C. 1605,1611, 1666 ( b ) ( d ) ( i ) ,1681, 1681m ( d ) 15.3 Discrimination, 819.122 and 123, 7286.0, 7287.0 Title 18 U.S.C. XXXX XXXX Title 18 U.S.C. 666 Title 18 U.S.C. XXXX XXXX 1001,1002,1004,1005,1201 ( a ) ,1028, 1028 ( a ) 241,242, 287 and 2340 Title 31 U.S.C. 1301 and more
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting.
Product: Credit reporting or other personal consumer reports

this CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, that Experian credit reporting agency, block information appearing on my consumer credit report, that is the result of identity theft and fraud within 4 business days of you receiving this complaint This fraudulent, inaccurate, and false information consists of a debt account opened at Texas office attn general on XX/XX/XXXX XXXX under the account XXXX with a balance of XXXX this account have resulted in several fraudulent late payments and fraudulent debt appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts debt, or Late payments as reported. The aforementioned accounts, debt, and Late payments appearing on my report. The aforementioned accounts, debt, and late payments appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, debt, and late payments are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, are the result of identity theft and fraud
Product: Credit reporting

XXXX, XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ACC # XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX XXXX XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Debt collection

I have already paid for the XXXX ride before I even had to take one. I paid it because for 3+years I had an ambulance fee on all my utility bills that I had to pay for every month. The utility bill was with XXXX XXXX XXXX XXXX in XXXX  ok XXXXI believe my first bill was in 2016.
Product: Credit reporting

My name and address is incorrect on my Trans Union credit report. My legal name is now XXXX XXXX my address XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I mailed letter to Experian with a copy of Notice of Arbitration Award I received from the XXXX County District Court in my favor and against XXXX XXXX. XXXX sued me for {$5.00}. The Decision was against XXXX XXXX. I requested XXXX be removed from my Experian Credit report. Experian claims they never received the letter and documents tha was sent through the USPS. After more than 20 phone calls and being transferred from Dept. To Dept and being told I should mail it to XXXX XXXX XXXX instead of XXXX XXXX. I sent a new package to that XXXX Certified this time. They say they still didnt receive it. I made More than 30 phone calls to Experian to solve this. 
XX/XX/XXXX through Experians own website I filed another Dispute and downloaded the documents and a copy of my XXXX letter.That was to no avail. Today I received a notice from Experian stating that they are not removing XXXX from my Report, because XXXX certified they are right. Experian is not very Professional. I dont know if they have a legal Department, that could have taken a look at the documents. Especially Court -documents. On XX/XX/XXXX I also sent the Documents to XXXX XXXX and they deleted XXXX from my Account with them. Experian has a major problem. They cant read ENGLISH. A simple phone call to the Courts would verify the Award and they would delete XXXX.
Product: Mortgage

I previously received a loan modification of my mortgage with Mr. Cooper in XX/XX/XXXX. That same year in XX/XX/XXXX I was having financial difficulties and could not pay my mortgage. I was working with Mr. Cooper to try to reinstate my loan when the pandemic hit. I applied for and was granted forbearance for my payments. They let me renew my forbearance for a year. In XX/XX/XXXX I contacted Mr. Cooper and asked for a loan modification on my mortgage. I am able now to resume paying my mortgage but unable to reinstate the loan with a lump sum payment of {$53000.00}. They say I am not eligible for a loan modification because it has been modified before also I defaulted in the first 12 months of the modification but YET they let me have forbearance for a year! There was NOTHING in the loan modification stating these investor regulations. When I asked them they said the investors go by XXXX XXXX guidelines. I had no way of knowing this! They NEVER have contacted me after my forbearance was over, I have had to contact them every time. Mr. Cooper is NOT helping save my home their only options are to fully reinstate the loan or sell the house. They have not even offered a repayment program for my past due payments.
Product: Credit card

Dear CFPB, My name is XXXX XXXX, I initiated the Balance Transfer on XX/XX/2023 from XXXXXXXX XXXX  XXXX XXXX ( now they changed the bank name to XXXX XXXX XXXX ) to my Chase Sapphire Credit Card : - XX/XX/2023 : CHASE sent the CHECK to XXXX XXXX XXXX XXXX  but the payment has never been posted to my XXXX XXXX Account. In the meantime, XXXX XXXX  they transitioned from XXXX XXXX XXXX XXXX XXXX and my account has been changed too. Therefore, I assumed the payment has not been posted due to different account numbers so I called Chase to recall/cancel the Balance Transfer and I paid off the balance from XXXXXXXX XXXX  by myself. 
- The first CHASE escalation ( Case numbers : XXXX ) : on XX/XX/2033 Chase sent me a letter via mail stated Our records show that your request to place a stop pay on the balance transfer of {$1600.00} was already submitted on XX/XX/2023. Please allow five to seven business days for the credit to post. The option to change the account number on the balance transfer check was not available. Then on XX/XX/2023, they sent another letter via the portal stated the Balance Transfer was completed and the payment was received by payee, so we are unable to cancel the balance transfer or request changes and advised me to contact XXXX XXXX  instead. 
- Therefore, I called XXXX XXXX  multiple times to inquire the Check which CHASE sent to them but they insisted that they have never received it. I spoke to the supervisor and she helped me to send the inquiry to their payment department with information Chase provided such as the Check/ACH numbers but they couldnt found it either. 
- The second CHASE escalation ( Case Numbers : XXXX ) created by XXXX on XX/XX/XXXX. I sent a secure message to request the copy of the Check then I called back on XX/XX/XXXX to get the update but no solution, I also asked XXXX from their payment department to see if the CHECK was cashed? He confirmed It hasnt been cashed yet. 
- I also sent the copy of the Check to XXXX XXXX XXXX to inquire if they have the Check by any chance. I received the letter and they stated its under investigation and would take up 90 days. 
- On XX/XX/2023, I spoke to XXXX from Chase payment department and found out the address on the Check was the headquarter of XXXX XXXX  not their payment processing center so he sent an email to Chase Balance Transfer department to report it and created the new case numbers : XXXX. 
- Until now, theres no solution despite I called multiple times for the update and also sent the inquiries via secured message. 
- Hence, Im owing CHASE the amount of {$1600.00} plus 5 % fee which they posted on XX/XX/2023 and the Check they sent to XXXX XXXX XXXX XXXX XXXX XXXX  ) seemed to be lost. 

I do hope CFPB can involve to help me to get my money back. 

Thank you in advance and do appreciate for your help.
Product: Credit reporting or other personal consumer reports

My credit is locked with Experian and I have tried for XXXX days to get it unlocked. The auto system will not connect you to a person and the online system has incorrect information. I can not get it changed. I have applied for credit and can not move forward. This is outrageous.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, EXPERIAN has violated my rights. Title 15 U.S.C 1681 section 602 A, states I have the right to privacy. Title 15 U.S.C 1681 section 604 A Section 2 : It also Staes a consumer reporting agency can not furnish an account without my written instructions and/or written consent. 

EXPERIAN is in violation of FCRA Section 611 Part ( A ) ( 1 ). 
on XX/XX/2022, XXXX certified mail envelopes regarding many discrepancies on my consumer report where sent over to EXPERIAN. I have signed green slip receipts showing they accepted my mail. However, my EXPERIAN consumer report never reflected an ongoing investigation. After, 30 days and even an addition XXXX, EXPERIAN, never responded or sent me any correspondence with any of the XXXX matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/22 I received a notification from XXXX notifying me of a change in my report. I had multiple hard inquiries I didnt make. XXXX removed the inquiries. XXXX XXXX hasnt removed anything. Equifax is still investigating.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX account was opened fraudulently without a valid written signature of original contract. Additionally per HIPAA guidelines I am allowed to protect my privacy and medical records from third parties.