23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I called on XX/XX/XXXX to take advantage of a credit transfer for 0 % interest. The agent said it expired on XX/XX/XXXX and said that was on the check. I told her I didn't have a check but a letter. She then stated that we could go ahead and make that transfer on the phone and it was my understanding that I would be receiving the 0 % interest. I asked when the rate would go to the regular rate and she stated XX/XX/XXXX. I asked if it wasn't paid by then would the interest be retroactive and she said it wouldn't. 

When I received my statement it showed the {$2100.00} that I had transferred was paying an interest rate of 21.24 % vs. the 0 % I had transferred to. My Bank of the West Credit card is XXXX. 

I called on XX/XX/XXXX and they said there was nothing they could do at customer service. I asked for a supervisor and spoke with XXXX ( North Dakota ). He said he would have to listen to the XX/XX/XXXX call and would call me back which was fine. Today, XX/XX/XXXX he called me back and said that the agent didn't specifically say 0 % and therefore he couldn't do anything but he would take the transfer fee of {$83.00} (? ) off. I told him that wasn't the point. Bank of the West is my primary bank in XXXX, Kansas and I trust them and felt that my trust was being betrayed. I shared with him my notes that I had written down of 0 % through to XX/XX/XXXX and why would I ask how long the interest rate was good for if it was just a regular rate. He said he understood but because the agent hadn't specifically stated 0 % there was nothing he could do. I asked to speak with his supervisor and he stated she wasn't there but she would call me but she probably wouldn't be able to do anything. Her name was XXXX. I asked if I could get a copy of the taped phone call and he said that was only for internal use. Again he said he understood what I was saying but couldn't do anything. 

I called back through a different 800 number for a chance of another person possibly listening to the phone call and with common sense would know that I understood it to be 0 %. I talked with XXXX also in XXXX and she said she would review the call as well but she didn't think there was anything she could do. XXXX and XXXX are both supervisors in the same call center. 

I wouldn't have transferred money if I wasn't receiving 0 % which was a great deal. Now I have been hoodwinked when the agent said, " We can go ahead and make that transfer today. '' Instead the transfer was made with me paying a higher interest rate than the card I transferred it from. It didn't make sense to transfer from one credit card to another unless there was a special interest rate proposition. 

I have been treated as if I'm a ignorant person who just didn't understand. I'm very methodical and never would have made this transfer without getting 0 % interest. It's not only the principal of what occurred but in my opinion fraudulent how this transpired. 

I appreciate this being looked into. I still hate that my primary bank is who pulled this on me and if not resolved I definitely will look at pulling my accounts from Bank of the West. 

Thanks, XXXX
Product: Credit reporting or other personal consumer reports

I DIDN'T OPENED THIS ACCOUNT I NEVER GAVE ANYONE PERMISSION TO OPEN A XXXX 'S XXXX XXXX XXXX IN MY NAME. THE ACCOUNT WAS OPENED ON XX/XX/XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. I WAS NO LONGER LIVING THERE AT THE TIME THIS ACCOUNT FRAUDULENTLY OPENED. I MOVED OUT OF THAT ADDRESS ON XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letters in the mail from the banks RBFCU and XXXX XXXX. I received both of them XX/XX/XXXX. RBFCU is a bank that I have never used and it was telling me that I opened an account under my name and even sent me a card. And when I tried to go and close it because I needed a police report. And when I got the report from the police they just told me that they will send it to the fraud but I have yet to hear from them. On the other hand, XXXX XXXX also sent me a letter as well but that letter said that someone tried opening an account but were unsuccessful due to not enough information. And I believe the reason for all of this is because they broke in to our neighborhood mailboxes and stole mine and other peoples mails.
Product: Credit reporting or other personal consumer reports

I filed a XXXX XXXX in XXXX and it was discharged.there is a XXXX XXXXXXXX on my credit report a public recordI think this belong to my neice
Product: Debt collection

Metro 2 XXXX XXXX XXXX XXXX XXXXreported an inaccurate amount as the original amount owed on the collection account and attempting to collect a larger amount owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit freeze and identity alert on my credit report but somehow EQUIFAX keeps letting company 's run my credit without my permission, which has led to inquires that are not mine along with collections that are not mine. I reached out to EQUIFAX today XX/XX/2022 and asked about my credit report I asked why were these items popping up on my report and every representative I spoke with was either rude, ignorant or had me on hold for hours waiting for a supervisor who never got on the line. The amount of disrespect I received today is disgusting!!! EQUIFAX should be ashamed I will be contacting a lawyer to discuss my options.
Product: Vehicle loan or lease

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT
Product: Prepaid card

I was gifting these two Amex gift cards to my siblings for XXXX XXXX but they can not use them anywhere. I constantly contacted customer support. The first few times I was placed on hold then disconnected. When I finally got in contact with someone all they told me is that their accepted everywhere and for security and verification reasons that's why the cards aren't accepted. One card is for {$25.00} and one for $ XXXX chalked it up to lost money however I was recommended to put in a request with consumer finance
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit pan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX number XXXXXXXX XXXX number : XXXX
Product: Debt collection

Atlantic Credit & Finance , Inc . 
XXXX XXXX XXXX XXXX, VA XXXX This company was asked to stop calling me at work on several occasions. This started in XX/XX/2018. I have repeatedly told the young lady, XXXX, that my work does not allow me to get personal phone calls. Not only does she not listen she continually calls back and harasses me at work. 
XXXX is the number she continually calls me from. Her extension is XXXX
Product: Debt collection

US Collection Wwst company continues to report a false collection account to XXXX BOTH XXXX AND US COLLECTIONS HAVE FAILED TO PROVIDE VALIDATION OF DEBT AFTER THREE CERTIFIED LETTERS HAVE BEEN MAILED TO BOTH COMPANIES SINCE 2015.
Product: Debt collection

After reviewing my credit report I noticed this company report a collection account under XXXX XXXXXXXX XXXX. After countless disputes about the unrecognized debt that I do not owe, the company replied I didn't deny it within 30 days so their company was allowed to report the unowned debt to my consumer report. I never received anything from the company prior to disputing negative account on my Consumer credit report. I have sent countless unresponded rebuttals denying ownership of this collection account and demanding removal. The company only changed the name of its company to XXXX XXXX XXXX  which are part of XXXX XXXXXXXX XXXX. I never received any form of contact to verify/ deny ownership of debt till after the company reported inadequate information to my consumer credit report. The company has illegally obtained and distributed my information without having any contract, verbal, or written permission to have my information. This company is reporting inaccurate and Unverifiable Information to two of the reporting agencies XXXX and XXXX. This debt that this company is reporting another company is now requesting verification or denial of ownership and claims they are owners of the debt. Which further establishes this company 's unlawful violation of my consumer right.
Product: Money transfer, virtual currency, or money service

I'm trying to withdraw about {$600.00} from Gemini crypto exchange. I've been a fully verified customer for years. About a month ago they freeze my account and demand responses to questions regarding my recent transaction as well as proof of ID. I provided the ID, answered the questions, but the account is still locked nearly 1 month later. I try to contact their support daily for a status update but they do not respond. Please help me with this issue! Thank you.
Product: Checking or savings account

I have been a credit card customer with Citi since XXXX. Recently, they emailed me XX/XX/XXXX, inviting me to expand that relationship to a checking account. They offered a {$200.00} bonus as incentive, if certain requirements are met. 

On XX/XX/XXXX, I applied for the checking account through the link in the email. They approved the account. I needed to have {$1000.00} of cumulative direct deposits within 90 days. I sent {$500.00} on XXXX, XX/XX/XXXX, and I believe XXXX, via my spouse 's payroll. I say I believe for reasons I will soon describe, as Citi is currently holding us ransom for {$500.00} and the status isn't clear as they intentionally shroud the issue. 

After receiving the first {$1000.00}, I linked the account to XXXX to access the money and withdrew the balance. 

On XX/XX/XXXX, I received a call from someone claiming to be from Citi 's fraud prevention, but they sounded like scammers so I did not take their call seriously. 

Shortly after, I could no longer access my online account, which houses my credit card of 6 years and the new checking account. 

I received a letter from Citi, stating my account is in " restricted '' status, requesting a call. During this time, I used XXXX to retrieve the newest {$500.00} direct deposit. However, apparently the funds were either not received into the account, or they did and are holding the money from me. I say this because XXXX allowed me to send {$500.00}, but I am actually now in negative {$500.00} and my account with them is frozen. 

I do not have a local branch within 3 hours of me. I manage most of my money online, which I believe is reasonable, as I've done so with Citi for the past 6 years. However, I can't access or even see my accounts with Citi online due to their actions. I am more than willing to resolve the issue by phone, but my experience witb that is where things escalated to this complaint. 

I have spent over 4 hours on the phone with Citi today and STILL DON'T HAVE ACCESS TO THE ACCOUNT! 

Numerous different numbers and referrals to the " right '' department. Utilizing the reference number in the letter. Truly ridiculous. They claim my husband needs to be added as a co-signer to the account to remove the block. First, since when is their a rule saying this? Second, they say I have to do it at a branch, again there isn't one within hours of us. 

Instead, I suggested they just close the checking account, restore the online access, and tell me the status of the {$500.00} direct deposit from XX/XX/XXXX. NOPE. 

Add the cosigner or we can't remove the fraud block. 

When did a bank gain the right to hold people 's money ransom to arbitrary requirements. 

What kind of bait and switch invitation is this? They invited me to apply. I used the account the way I want to bank. If that's a problem, let 's close the account. But they won't even allow that. Get a checking account with us so we can waste hours of time and still not help you, then we'll steal {$500.00} of your paycheck. Good marketing and retention.
Product: Debt collection

I saw this collection on my credit report and requested a validation of the debt from LJ Ross Associates, the collection agency on XX/XX/2023. As you can see from the attached documentation, the request was received on XX/XX/2023, but I have not received any of the requested documentation within the required 30-day time frame. Therefore I would like to request that LJ Ross Associates stop reporting this collection to the three credit bureaus. Thank you for your assistance in this matter.
Product: Vehicle loan or lease

In XXXX  my XXXX was repossessed from my driveway. I was only XXXX weeks past due. I received NO mail, emails or any other notifications that my vehicle was in danger of being repossessed by Wells Fargo. 
I woke up one morning to find my vehicle missing. I called police department to report my car stolen and the police informed me my vehicle was repossessed. Had I received notice from Wells Fargo I would have immediately caught up any arrears to keep this repossession from happening. I contacted my branch of wells Fargo by telephone and was told, in effect, too late.
Product: Vehicle loan or lease

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX v.XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX.. 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX, XXXX or XXXX ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

I received my XXXX credit report and saw XXXX different negative items reported by this firm. I have never received any notice from them in regard to this debt and from what it reads on the credit report. It is from XXXX XXXX traffic tickets which I are not mine.
Product: Debt collection

ERC is collecting for XXXX XXXX / XXXX. I had issues with their service. They did not provide the speeds they promised for the internet and the other services were unreliable. I complained and complained but nothing happened. I came to the end of the contract and I paid my bill. They claimed that I did not pay the final bill and that I did not turn in the equipment. With constant follow up and documentation I guided them to find their " missing '' equipment that was n't missing at all. I should be at zero with this vendor. If they claim that I owe them something it would be and is in dispute. 

ERC is now collecting for XXXX. They have never given me notice of a collection account or I would have disputed the account. I have never been given an opportunity to validate the debt and this is a violation of the fair debt collections practices act. I must be given an opportunity to validate the debt of a 3rd party collection agency. FCRA 15 U.S.C. 1681c, US Court of Appeals, Ninth Circuit, No. 00-15946, XXXX vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX, and FDCPA Section 806.
Product: Payday loan, title loan, or personal loan

I received an alert from credit monitoring service that a loan with my credentials had been applied for at Cashnetusa.com. I called them as soon as they opened to inform them I did not apply for this loan. I contacted all credit bureaus to freeze my credit and add a fraud alert. I have filed a police report with my local police department. 

When I called the next day they refused to do anything until they receive a written police report. I asked them to cancel the loan, they refused to do anything until they receive a written police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a renewal letter for my renter 's policy from my insurance company, XXXX XXXX XXXX - Underwritten by : XXXX XXXX XXXX XX/XX/XXXXXXXX. I have had this same policy across multiple addresses over the past five years with the rate remaining the same. In fact, the newest address that was covered under this policy, saw a reduction in the policy premium for XXXX. However, within this renewal, my yearly policy premium went from {$250.00} to {$320.00} - a 26.5 % increase. I called XXXX on XX/XX/XXXX to inquire about the drastic change in premium. I spoke with XXXX, who at first claimed it was because of the address change. However, when I informed her that there was actually a credit to my account with the new address, she told me it was due to the " consumer report information. '' XXXX directed me to call Trans Union Corporation, Consumer Relations - East at XXXX to receive a copy of the same report they based their increase in premiums on. Later the same day on XX/XX/XXXX, I called Trans Union and spoke with XXXX. I asked XXXX for the report that XXXX pulled. He assured me that I would receive the same copy that XXXX pulled on XX/XX/XXXX. However, when I received the report on XX/XX/XXXX, it was dated XX/XX/XXXX - the date when I called and spoke with XXXX. I then called Trans Union back on XX/XX/XXXX and asked to speak with a supervisor. I was transferred to supervisor, XXXX, who informed me that they could not provide me with the same report that XXXX used in their decision to raise my rates.
Product: Checking or savings account

In XXXX Moneylion ( XXXX XXXX ) ran a promotion where they advertised a bonus of upto {$590.00} or 17 % of first paystub direct deposit and maintaining direct deposit for 3 months. See details below : 1. Join MoneyLion 2.Set up a direct deposit of $ XXXX 3.  Opt in to bonus 4 Maintain direct deposit for 90 days to get bonus ( this needs to be 90 % of your initial direct deposit ) 5. Bonus you receive will be 17 % of your first direct deposit I opened the account, opted into the promotion ( see attached screenshot ) and maintained direct deposit of {$3200.00} XXXX XX/XX/XXXX ), {$3100.00} ( XX/XX/XXXX ), {$3100.00} ( XX/XX/XXXX ) and {$3100.00} ( on XX/XX/XXXX ). 

Even after meeting the promotion terms, I did not get the promised bonus of $ XXXXpromotion terms, I did not get the promised bonus of {$550.00}. 

When I contacted Moneylion they are deceptive and saying that I did not click on the enroll promotion button even though I did. Please see attached screenshot for confirmation. 

Kindly issue the promised bonus of {$550.00} immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


XXXX XXXX XXXX  XXXX XXXX - IDENTITY THEFT XXXX # XXXX - IDENTITY THEFT XXXX XXXX XXXX - IDENTITY THEFT XXXX XXXX  XXXX - IDENTITY THEFT XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX - IDENTITY THEFT XXXX LEND # XMRDGT - IDENTITY THEFT XXXX XXXX # XXXX - IDENTITY THEFT XXXX  # XXXX - IDENTITY THEFT XXXX XXXX XXXX - IDENTITY THEFT XXXX XXXX XXXX # XXXX - IDENTITY THEFT XXXX # XXXX - IDENTITY THEFT XXXX XXXX # XXXX - IDENTITY THEFT 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you