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

We opened a new Citi Miles Ahead Savings Account ( Account # XXXX ) on XX/XX/XXXX with Citibank , N.A . and funded it with {$10000.00} based on an email offer received on XX/XX/XXXX ( this is in addition to a Citi Executive credit card we currently have ). The promotional offer ( actual email attached ) stated we would receive XXXX XXXX XXXX miles upon funding and keeping the account balance at or above {$10000.00} for 90 days. 

On XX/XX/XXXX ( after completion of the 90 days mentioned above and maintaining the {$10000.00} balance throughout the 90 days ), we initiated a customer service chat online at citi.com with Citibank employee XXXX  ( transcript attached ) asking if we qualified for the XXXX miles and she stated I see that you have deposited the funds in your account on XX/XX/XXXX and 90 days got over by XX/XX/XXXX. After qualifying deposit activity in your Citi Miles Ahead Savings Account, please allow up to 90 for the acquisition bonus miles to be deposited into your AAdvantage Frequent Flyer account. Note these miles will not appear on your Citi Miles Ahead Savings Account nor your Citi/AAdvantage consumer credit card account statements. You can monitor your rewards via the online rewards dashboard. In this case, you will receive the miles in your AA account I said Can I withdraw the account balance now since I have earned the bonus miles? By leaving the money in account for 90 days. and she replied Yes, you can withdraw the balance. As you have already met the minimum requirement, you can start to use the balance. 

I confirmed via customer service online chat again on XX/XX/XXXX that the XXXX miles will be credited by XX/XX/XXXX ( 90 days from XX/XX/XXXX ). I confirmed via phone call to Citi customer service on XX/XX/XXXX at XXXX XXXX. that the XXXX miles will be credited by XX/XX/XXXX. I confirmed via phone call to Citi customer service on XX/XX/XXXX at XXXX XXXX Eastern Time and was told that the miles will be credited in 1 more day since it was not yet XXXX Pacific Time. 

And now after all that we have been told on XX/XX/XXXX ( letter attached ) upon submitting a promotion dispute on XX/XX/XXXX that the promotion will not be given to us because the account was closed even though not one word about this was mentioned to us on 2 online chats documented above and 2 phone calls documented above with Citibank customer service representatives and we were communicated to IN WRITING from Citibank that we earned the promotion and could withdraw the account balance. Also, in the email offer on XX/XX/XXXX there is no mention about this requirement in the terms and conditions. 

We are extremely disappointed and frustrated about this entire situation. This certainly feels like false advertising and we need a response as quickly as possible. 

We have used Citibank for many years for our credit card needs and would like this situation to be resolved in a positive way.
Product: Debt collection

Universal recovery corporation placed an account in collections from XXXX XX/XX/XXXXunder my name for a vehicle that I sold and submitted release of liability through DMV from and did not legally own at the time of the accident and are therefore not responsible for any of the towing or storage fees
Product: Vehicle loan or lease

On XX/XX/year> I closed my account with Chase Auto by purchasing the vehicle from them under the terms of my lease. They received payment in full of {$37000.00} on XX/XX/year> from my new auto loan servicer in settlement of the payoff calculation they provided. However, I contacted Chase several times before and after the payoff to let them know that the calculation was inconsistent with my lease terms. The vehicle purchase price on their calculation was {$480.00} more than what was on my lease. I was told that this was because I had not completed all of the lease payments. However this is incorrect because the remaining two payments were also included in the payoff. As such Chase received every payment they were due on the lease and should have honored the contract. They have not returned my phone calls, messages, or letters on this matter.
Product: Payday loan, title loan, or personal loan

When I first purchased the Loan from Lending Club, I was told that if I make on time payments in the amount for {$650.00} 6 consecutive month 's I can then refinance at a lower rate. My Loan amount was {$15000.00} but was given {$14000.00}. When I did come back to them to refinance they told me that I could not get my payments lowered and I would have to pay the {$650.00} a month. I informed them that I couldn't make the payments but they didn't care. I informed them that I was not going to send anymore payments because I couldn't afford it. I then went through a debt consolidation company called XXXX XXXX XXXX ( XXXX ) of which I started paying them {$450.00} dollars to resolve my debt which I see they didn't help because Lending Club was part of the fee 's I was sending to the debt consolidation. Just recently, I received a citation XXXX XXXX form XXXX XXXX not knowing it was Lending Club. After, receiving the citation, about two weeks later, received a judgement after XXXX, XXXX stating I missed the court date and the judge was on the side of the plaintiff. I never knew about the court date. I did reach out to several lawyers, and gave them the case number which they didn't see anything in the XXXX data base. They only had one citation I had from another creditor whom I disputed charges. I reached out to my debt collection agency on XXXX XXXX regarding the citation and who XXXX XXXX was, and my debt collection agency responded on XXXX XXXX informing me of who they were but at that moment, the judgement was already filed. Per the debt consolidation agency they stated that my statute of limitation started XXXX and ending XXXX. I do not know what month in XXXX it was going to end. My account was frozen XXXX XXXX, XXXX in the amount of - {$20000.00}. I had to settle to get my account unfrozen. They are making me pay {$18000.00} due to court fees when the loan was {$15000.00} of which I owe {$14000.00}. So, how can that be when I paid them 6 months of {$650.00}. The numbers are not adding up. I dont feel XXXX shouldnt be made to pay any legal fee and pay the amount over what is to be paid. I feel that Lending Club had no license to lend money online. Since, theres a law suit why am I paying outrages amount of the money? Why should I pay for legal fees when I was not notified and there was not enough information the on the citation. Only, that they had my signature from online. I know that the signature they claim to have is mine. Its was not enough time for me to dispute the charges. I feel I was ambushed and treated unfairly due to the XXXX XXXX dollar lawsuit they had to pay to the FTC. I need to know what I can due to sue them.
Product: Debt collection

I received a demand letter from Cooling & Winter XXXX XXXX XXXX  XXXX on XX/XX/2022. Cooling & Winter XXXX XXXX XXXX XXXX are debt collectors demanding to collect a debt on behalf of XXXX XXXX XXXX ( XXXX ) XXXX. I have not received any goods or services from Cooling & Winter XXXX XXXX XXXX XXXX and I do not know how they received my private personal information. Cooling & Winter XXXX XXXX XXXX XXXXXXXX do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct business and I have not agreed to pay/tender anything to Cooling & Winter XXXX XXXX XXXX XXXX 
I am not a party to any agreements that Cooling & Winter XXXX XXXX XXXX XXXX may or may not have with XXXX XXXX XXXX ( XXXX ) XXXX or XXXX XXXX XXXX XXXXXXXX XXXX. I have not agreed to pay/tender anything to Cooling & Winter XXXX XXXX XXXX XXXX, CXXXX XXXX XXXX XXXX XXXX ) XXXX or XXXX XXXX XXXX XXXX XXXX XXXX 
Cooling & Winter XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX ) XXXX reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety. 
Please be advised that neither Cooling & Winter XXXX XXXX XXXX XXXX  or XXXX XXXX XXXX ( XXXX ) XXXX  are Holders In Due Course. Please remove this unverified account from my credit report and Cease and Desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS ans INQUIRIES from my credit report immediately.
Product: Credit card or prepaid card

I applied for a HSBC credit card which was received in XX/XX/XXXX and was activated. I had conversation with a person at my bank and was told that HSBC customers had problems with customer service and to check the online reviews of the credit card. I checked and found out the reviews were not good. Therefore, I disposed of the card prior to making any charges. I received a bill showing that 8 purchases had been made on the card from XX/XX/XXXX to XX/XX/XXXX in the amount of {$110.00}. I attempted to phone HSBC numerous times and was placed on hold for long periods of time before I had to hang up. Finally, I spoke to a HSBC representative and was told the card had been suspended and could not be used. Based on this information, I felt I had satisfied my obligation in telling HSBC I did not make the charges and did not have the card. On XX/XX/XXXX, I received a bill for {$350.00} ( {$110.00} worth of charges and {$230.00} in fees ). The same day I called HSBC and waited on the phone 1 hour and 15 minutes. I never did speak to a representative. On XX/XX/XXXX, I wrote a letter to HSBC stating that I never used the card. I called again on XX/XX/XXXX and XXXX, XXXX. On XX/XX/XXXX, I spoke to XXXX at HSBC who told me the card had been stopped and to file a police report. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX saying this issue had been assigned to them for collection. The amount was now {$390.00}. On XX/XX/XXXX, XXXX XXXX sent me a number of statements showing the bill of {$390.00}. In discussions with XXXX XXXX XXXX XXXX I was told that if I pay {$300.00} it would serve a full payment of the charges. I responded by saying that since I did not make the charges, had spoken to HSBC and explained the situation, it would not be logical to make payment. I have written two letters to HSBC and one to XXXX XXXX. It is very difficult to speak with anyone at HSBC and this matter has become totally frustrating. Our credit rating is outstanding and we have never experienced a situation like this. I have gone to the local police department on two occasions, most recently XX/XX/XXXX, and was told they do not handle such a matter and was advised to contact HSBC Fraud Prevention. I have done this. Could you please help us? Thank You-XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX XXXX, XXXX, FL, XXXX, XXXX XXXX XXXX, FL XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance XXXX {$0.00}, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$2700.00}, XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$1800.00}, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX. ) XXXX Balance : {$950.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. ) XXXX Balance : {$580.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$68.00}, XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$440.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have a XXXXXXXX XXXX XXXX with Commenity Bank. I switched bank accounts a couple of months ago and thought that all of my bills were taken care of. I started getting collections calls from Commenity and when I went to check on my account I found that they had deleted all of my forms of payment and my bill had not been paid. I called them and we re entered my bank information and I was assured that the problem was taken care of and my payment would be withdrawn from my bank account. A week later I checked on my credit card again and the payment had still not gone through. On the statement it said it was declined. I called commenity again. We went through and deleted my bank account and manually inputted it again and I was again assured that It was taken care of. It was not. This has been going on for months now. The same thing over and over again. They assure me I am taken care of, my payment does not get paid, I call them again. The last time I called was a couple of weeks ago to try to make another payment as well as turn the card off. That payment went through, but now since I have missed so many payments I can not afford the minimum payment on the account so I was only able to make a partial payment. I was told that my regular minimum payment would be taken out the next month ( this month, XXXX ) I checked the day that my payment is supposed to come out and my account said I was all set to make the payment. It is now a week later and my payment has not been made. I'm going to have to call again. I don't know what the issue is and why my payments are not being taken by Commenity. All of my other bills and all of my other credit cards have had no issue pulling out of my bank account. I have also called my bank multiple times to insure that I have correct information and I do. This card is single handedly tanking my credit score. I am frustrated and I don't know what else to do. I work all day, everyday, I can not afford to spend hours on the phone with this company every single month to be assured that my account is being taken care of only to have it not taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I are trying to get a mortgage loan through our Credit Union, when my credit was pulled I had no score on XXXX and through some investigating I found out that Wells Fargo ( please see attached ) card services had reported me ( XXXX XXXX XXXX ) as deceased while as I am writing you I am very much alive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Simm Associates is trying to collect on a file for XXXX XXXX that was recalled by the original creditor in XXXX. Despite being informed of this and confirming that they cant take payment or discuss the account they still have not taken the item off my XXXX report so I am filing a complaint. XXXX and XXXX deleted the account in XXXX
Product: Mortgage

On XX/XX/XXXX my attorney submitted an RFI on my behalf ( Exhibit A ) which there was NO response and on XX/XX/XXXX I submitted another RFI whereby responses have been inconsistent with the RFI and I STRONGLY believe there's fabrication and Data manipulation of documents and information. I have seen several inconsistencies which lead me to believe there's Misrepresentation, Collusion, abusive, unfair & deceptive practices and Fraud. Consequently, I requested the " Servicing File '' and sent the parties a " Preservation Hold and Data Preservation Notice '' but didn't receive a response. It seems they all want to point the finger at each other. Some of the chain of events are as follows : 1-From XX/XX/XXXX to XX/XX/XXXX I made payments which were " held '' in an interest bearing account instead of properly applying the payments towards my account 2-For the years of XXXX, XXXX and XXXX NO 1099 was issued 3-My Bank says they deposited my payments into several bank accounts through the years 4-There 's a host of other violations but would need the " Servicing File '' to investigate the Fraud and make an Official Complaint of " all '' their violations. 

All of the Actors and Suspects I sent my Request for Information to are : XXXX XXXX, XXXX Attorneys in Fact- XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Seterus Inc .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX fax XXXX XXXX XXXX dba XXXX XXXX XXXX XXXX XXXX c/o Chair, XXXX XXXX XXXX XXXX XXXX XXXX  Mail Drop XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX fax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Att : XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX TN XXXX XXXX XXXX XXXX Att : Audit CommitteeXXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX XXXX XXXX Attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Nationstar Mortgage, LLC d/b/a Mr. Cooper Att : Management c/o XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Housing Finance Agency XXXX XXXX XXXX XXXX Washington, D.C. XXXX
Product: Mortgage

I have this mortgage with Shellpoint Mortgage Servicing I ask them for loan modification. when I call them. they said that they will make my loan late but is will reversed once the modification was done. All was over the phone but when all was done they did not honor that. 
But I notice that on my credit report show XXXX 120 days late payments but the month has only 30 days. 
( see included copy of the account ) and one month they report late on XXXX credit bureaus and XXXX current. Once again 120 days. when is only 30 days on a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I wrote a letter to XXXX because I had found out that there was a drop in my credit score for a 30 day late! I was upset and went over my bills and remembered that XXXX had taken out three payments due to a glitch while paying on line! I called XXXX immediately once I saw the three payments that were taken and asked for two of them to be reversed which I have proof that they were! They kept one for payment which I also can prove. I called them back when I found out that the 30 day late was reported and was given a address to send a goodwill letter too which I sent! They sent me back a letter on XX/XX/XXXX stating that they will not remove it! I have had this card since XXXX and have never been late! I am upset that they placed inaccurate info on my credit report and are claiming it was not! They are worried regarding judgment from the credit reporting companies and not concerned that they acted hastily and reported inaccurate information! Please look into this as I can prove that it was paid! Thank you XXXX XXXX
Product: Credit card or prepaid card

Made payment XX/XX/22 of {$73.00} by check. Payment processed by our bank at {$73.00}. Payment was never credited at receiving bank. Paid {$1.00} to agent at receiving bank to make the account have a XXXX balance. Made duplicate payment to agent of receiving bank of {$73.00} which was credited to our account by receiving bank. This was a duplicate payment to avoid paying interest. Faxed the receiving bank a copy of front and back of credit card and front and back of original check. Case # of dispute is XXXX. Claim # is XXXX. They have investigated and investigated and are still stalling.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly late for XX/XX/2019 on XXXX partial account numbers XXXX. ( Please see page 3 of the attached credit report. ) These student loans were consolidated prior to XX/XX/2019 and therefore the lates that are reporting are in error. This incorrect reporting late on a consolidated account is harming my credit score and these line items need to be removed. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.
Product: Debt collection

Over the past year, I have received multiple ( according to XXXX records, 31 total ) calls from varying numbers in various States in the U.S.from this company, Midland Credit. 

I have told them repeatedly I am not the person they are seeking to find and that I have no knowledge of this person 's whereabouts, but they have not ceased calling me at all times of the day or evening. 

I have blocked these numbers as they have come in, but the calls have not stopped.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Fraudulent Accounts Under FCRA 605B Dear Dispute Resolution Department, I am writing to formally dispute several fraudulent accounts that appear on my credit reports with both XXXX and Experian. As a victim of the XXXX data breach, I have suffered identity theft, which has resulted in these unauthorized accounts being opened in my name. These accounts are not mine, and I have never authorized their creation. 

Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I am entitled to have these fraudulent accounts blocked from my credit reports. Specifically, this section mandates that credit reporting agencies must block the reporting of information resulting from identity theft upon receipt of appropriate documentation. 

Enclosed, I have included : 1. A copy of my FTC Identity Theft Report and affidavit.

2. A copy of my government-issued photo ID.

3. A copy of a recent utility bill or another document confirming my current address.

4. A detailed list of the fraudulent accounts that need to be removed. 



The fraudulent accounts I am disputing are as follows : XXXX. XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX. XXXX XXXX XXXX, Account Number : XXXX In accordance with FCRA 605B, you are required to take the following steps : 1. Block the reporting of the fraudulent accounts listed above within four ( 4 ) business days of receiving this letter and the enclosed documentation. 


2. Refrain from re-inserting these items into my credit reports unless you provide me with certified proof of their legitimacy. 



I trust that both XXXX and Experian will act swiftly to resolve this matter and uphold my rights under federal law. I request written confirmation from each bureau that the disputed accounts have been removed and blocked from my credit reports. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX Enclosures : FTC Identity Theft Report and Affidavit Copy of Government-Issued ID Proof of Address List of Fraudulent Accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX