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

On XX/XX/XXXX I opened a CitiBusiness Streamlined Business Checking account and money market savings account. The account came with a promo offer that would be satisfied if I deposited {$50000.00} within 30 days ( I did so on XX/XX/XXXX ), maintained that balance for 60 consecutive days ( I did, withdrawing only after XX/XX/XXXX ). I also would like to note that I deposited and held the money in the money market savings account, and the terms explicitly allow for this. The bonus of {$1000.00} was due XX/XX/XXXX, due to the language " The Cash Bonus for which you qualify will be credited to your Citibank business checking account within 90 days from the end of the month in which you complete al Offer requirements. '' However : It was not credited. On XX/XX/XXXX I contacted Citi over live chat, who directed me to phone support, who insisted on a bonus code which was not printed on my offer. I then contacted my business banker at the branch, who did not reply. Today XX/XX/XXXX I tried calling phone support again, was told they can not help me, and was given a number to the branch that did not pick up. At this stage, I no longer have confidence Citi is interested in fulfilling their side of this offer - paying out the {$1000.00} bonus - and need to escalate the matter via a CFPB complaint.
Product: Credit reporting, credit repair services, 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!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX. Account # : XXXX XXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Mortgage

My loan is past the 20 percent equity threshold based on the original home value. They are telling me I must have the home reappraised to ensure my home hasn't gone down in value. However, their own website, which I attached a screenshot of ) is telling me that my house is worth nearly {$100000.00} more than I paid for it and I have 41 % equity in it. This appears to me to be an attempt to nickel and dime more money from me when there is no way to reasonably believe the value of my home has decreased.
Product: Checking or savings account

I received a statement from Wells Fargo with my address. It was addressed XXXX XXXX XXXX XXXX and was a business statement which had my address with transactions. When I called they requested my name several times even though I explained that this business did not exist at my residence and that I didnt have any accounts with their bank. They asked why I opened the letter if it wasnt addressed to me and I explained that I thought it was some type of solicitation. I then spoke to a manager on a recorded line who told me to forward the statement back to Wells Fargo. I said that I would but wanted to keep a copy for my files. She told me not to do it no need. Afterward, I remembered that there was concern over them creating false accounts as a way of earning incentives and was curious if this was related to this situation. I am concerned that someone has listed my address as a place of business and that as a result I may be unknowingly involved in a fraud scheme.
Product: Credit card or prepaid card

I bought an XXXX computer on a promotional rate with a Barclay Credit Card. It was a program set up through XXXX. <P/>When I did the promotion I received a general credit card to use anywhere as well. <P/>I 've been paying monthly payments for more than a year and was recently shocked to learn that very little went toward paying off the promotional rate. I thought they were applying some of my payments toward this but turns out they were not and they say they did not have to until the last two months of the promotion.
<P/>I 'm quite confused about when I make payments how to make sure it goes toward paying off that promotional purchase. I can not figure out how much of each of my payments is even allocated to paying it off. <P/>The promotional rate ends in early XXXX and I 'm still trying to figure out how I can pay it off. <P/>The promotional purchase is roughly {$1000.00}. The total amount I owe on the card is {$4000.00}. <P/>I want to make a couple of payments between now and XXXX so it 's paid off. <P/>I feel this is very misleading. I have another promotional purchase card with XXXX XXXX and they are very upfront about the payments and applying it to the promotional amount so you are not charged back interest. <P/>I feel this is very misleading and sets consumers up to fail and owe the bank all the interest from date of purchase.
Product: Credit reporting or other personal consumer reports

Credit Agency Re : Incorrect Address on Credit Report To Whom It May Concern : I am writing to dispute an incorrect address that is currently being reported on my Equifax credit report. The address in question is XXXX XXXX XXXX XXXX. XXXX, FL XXXX This address does not belong to me and I have never lived there. I am requesting that you immediately delete this address from my credit report, as it does not accurately reflect my credit history. 

Please investigate this matter and make the necessary corrections to my report. Send me a copy of the amended report once the false information has been removed. I have enclosed a copy of my driver 's license as proof of my current address. 

This is urgent as the incorrect address is creating problems for me. Please process this dispute request within 30 days as required by the Fair Credit Reporting Act. 

Thank you for your cooperation and prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 DISCOVER Financial SER added inquiries on my credit report per XXXX XXXX. These inquiries were not authorized in writing by me. These inquiries were disputed and unsuccessful removed by the credit bureaus. According to the FCRA, DISCOVER Financial SER has violated my rights as a consumer And Im requesting legal action to remove these inquiries.
Product: Credit reporting or other personal consumer reports

i was view my report notice so problem on my consumer report notice some account not belong to me so inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sorry I had no Knowledge that this was XXXX XXXX working with Professional Debt Mediation Inc. I did not expect them to be reporting anything to my credit considering the fact I never signed a lease with them! Unfortunately this information the company provided is misleading. I was never prompted to pay {$120.00} application fee. The manager at the time XXXX XXXX told me I had to bring the application fee into him. He ran my application FIRST without collecting the fee. I attached emails of XXXX XXXX sending me the application through email and me sending the application back to him, and of me asking XXXX XXXX if I can come and bring the application fee in and him responding " Thank you, XXXX, received, We are reviewing ''. XXXX XXXX did not mention or inform me when to bring the fee in. Once I was denied the apartment XXXX called me and told me I was denied. He did not collect any fee from me. XXXX did not follow company procedures of collecting application fee first before running my application. I was never sent any form or payment authorization to run this application fee to where I could even deny payment. Therefor they can not make this as a debt owed! The company procedures was not followed and they are serving the consequences to the applicants.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting inaccurate & unknown information on my credit report. My credit report reflects a total of 15 unknown accounts in the amount of {$56000.00} from lender by the name of XXXX. In my attempt to validate this debt via mail XX/XX/2022, I received a return mail noticed due to " NOT DELIVERABLE AS ADDRESSED ''. I addressed this letter according to the information reflected on my credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I brought this to the credit bureau Transunion attention, to have these accounts deleted from my credit report, confirmation # XXXX. XXXX case # XXXX. This is a direct violation of my rights under 15U.S.C 1681 ( n ) : Civil Liability for willful noncompliance, 15U.S.C 1681 ( a ) : rules of construction, 15 U.S.C 1692 ( e ) False or misleading representations, & 15 US.C 1692 ( g ) : Validation of debts
Product: Mortgage

I paid the payments without going two payments past due. However, AFTER paying the payments, on XX/XX/2023, Midland reported the account as 30-days past due and failed to show the payments made, and instead showed two payments made without being two payments past due as being unpaid. it also shows the account currently past due for two payments. I was denied credit on an unrelated account based solely on this incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation reports. These creditors reported as collection accounts. These companies are XXXX, Capital One Bank, XXXX, and XXXX. I am asking for these companies to remove those accounts because they are incorrect.
Product: Credit reporting or other personal consumer reports

Capital One did not provide me the option to opt out before reporting on my credit, 15 U.S.C. 6802 ( XXXX XXXX ). 
Option B : A financial institution may not disclose non-public personal information to a non-affiliated third party unless the consumer is given the opportunity to opt-out before such disclosure. 
Option C : The consumer must be provided with clear instructions on how to exercise this opt-out option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$6000.00} DEPTOFEDXXXX  XXXX {$3500.00} DEPTOFED XXXX XXXX {$3500.00}
Product: Checking or savings account

On XX/XX/XXXX I filed my tax return through XXXX XXXX XXXX, when filing I was offered a refund advance for signing up for a new Credit Karma Money account. I received an email from Credit Karma informing me my new account was active and once the IRS and FTB accepts my return the refund advance would be deposited into my Credit Karma Money account. The {$500.00} refund advance was deposited into my account on XX/XX/XXXX when the IRS and FTB accepted my return. On XX/XX/XXXX the FTB deposited my CA state refund into the Credit Karma money account. That same day I linked my XXXX XXXX XXXXXXXX account and initiated a funds transfer from XXXX XXXX XXXXXXXX XXXX Credit Karma Money account in the amount of {$780.00}. The deposit was scheduled to clear on XX/XX/XXXX. On XX/XX/XXXX I linked my Credit Karma money account to my XXXX account and initiated a transfer of {$400.00} from XXXX to Credit Karma money account. On this same day I received my new Credit Karma debit card, I activated the card and set up a new PIN. That night I made a gas purchase with by Credit Karma debit card using my PIN without issue. On XX/XX/XXXX I received an email from Credit Karma money that my account had been frozen as a security measure and await an email with next steps to have the freeze removed and if I needed immediate assistance to contact Credit Karma support. I used their chat and I was informed that I would have to wait for an email from their higher department. I waited all day, the next morning on XX/XX/XXXX I received an email to submit my Drivers license and a selfie via a secure link included in the body of the email. It has been 3 days now. I've made multiple calls and sent emails and have no resolution. My bills are late and my landlord has begun the eviction process on me all because I can not access my funds to meet my financial obligations. This is causing me undue hardship and effecting my mental health with XXXX  is causing. I need help to get them to unfreeze my account immediately.
Product: Student loan

Interest rates keep rising with no explanation. They are continuing to report to the credit bureau that my loan is in default despite payments and forbearance that I have on file
Product: Credit reporting or other personal consumer reports

Equifax is showing that my credit card payments for XX/XX/XXXX and XX/XX/XXXX were late. I contacted the creditor ( XXXXXX/XX/XXXX) and was informed that this information was reported in error and that the creditor has sent notices to credit reporting agencies to reflect ontime payments on the credit card account. 

I filed a XXXX disputes with Equifax and each time the agency has upheld the negative reporting. I contacted the creditor again and they provided credit card statements fro the time period in question, which does not reflect 30 days past due. I am being denied credit because of the negative reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've pleaded with Transunion to update my credit report. My maiden name is XXXX. All of my former employers have been deleted from my history. My drivers license have been stolen in the name XXXX XXXX XXXX. I 've mailed a copy of my current information to them. 
My last address is XXXX XXXX XXXX XXXX TN. XXXX XXXX XXXX XXXX XXXX XXXX TN. XXXX XXXX XXXX XXXX TN XXXXXXXX. XXXX XXXX XXXX XXXX TN XXXXXXXX. XXXX XXXX XXXX XXXX XXXX is one of my employers. XXXX XXXX, XXXX XXXX XXXX XXXX is my first employer. Social Security have this information on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # 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: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information is being reported on my credit profile ( address, and identity theft alert ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 602 A XXXX 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 ) ( XXXX ) 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Commennity capital doing business as Bread Cashback American Express took almost 9 months to handle the dispute of a purchase while requiring me to make payments and interest charges on {$2800.00}. Now that the dispute has been settled and the amount disputed was refunded they refuse to refund all the interest that was paid on the disputed balance for almost 9 months time period.
Product: Payday loan

I paid my loan off within the 30 days before the interest was attached to the loan. I went in and paid cash to the loan officer. the money was n't ever credit to my account. when I asked about the lady that took my money, they advised that she no longer works there. when I talked to the manager she stated that she will make sure I will not have anything negative reported on my credit. due to the fact that my money came up missing
Product: Credit reporting or other personal consumer reports

XXXX XXXX illegally keeps putting derogatory information on my account after I had it commit corrected by the law and Im gon na give you the lie right here accordance with the fair credit act XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR 164 EXPERIENCES BETWEEN THE CONSUMER AND THE This company corrected my credit report and they made it back derogatory again I will get a lawyer and sue you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  IA  XXXX  this do not belong to me and there no contract or my signature.
Product: Checking or savings account

Ive banked with Huntington bank for years and use the online app a lot. I extremely dislike the fact that instead of posting payments Ive received on the date received the bank consistently posts payments I receive as being received on a PAST date! Why? Is this legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.