23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I signed up for a Citigold checking account on XXXX/XXXX/XXXX through promotional offer XXXX which promised XXXX XXXX XXXX miles after completing two bill payments and spending {$1000.00} by debit card in the first 60 days. 

Citi failed to send me a debit card within the first 30 days and when i contacted them, they issued an ATM card that I was unable to use as a debit card. After another call to customer service, I was finally issued a debit card and requested to have the deadline of 60 days be extended another 30 days in order to complete the requirements in time, to which they agreed. 

I contacted Citibank on XXXX/XXXX/XXXX to confirm my eligibility had been extended and discussed the matter with online agent " XXXX '' ( Correspondence attached ). He explicitly confirmed my eligibility had been extended an additional 30 days and stated that if I completed by second bill payment XXXX, the requirements for my account would be met to receive the XXXX bonus points. 

I completed my bill payments in XX/XX/XXXX and XX/XX/XXXX and had multiple online conversations with Citi representatives to confirm that I still qualified and met all the requirements. 

I contacted a Citigold representative again in XXXX XXXX in order to follow-up on my promotional offer. a representative by the name of XXXX XXXX XXXX stated " there is an investigation open on the status of the offer. Once the back office support finishes their investigation, you will be notified via secure email to the address listed below with the outcome. '' I still have not received a response to this case being opened ( as of XXXX/XXXX/XXXX ), nor have any agents been able to confirm that there is even an open investigation related to my account opened at any time around this date. ( message correspondence attached ). 

On multiple occasions, Citibank gave me a password to open a secured email with the status of my request, however, a notification was never received by me. When I called back on XXXX/XXXX/XXXX and spoke with agent " XXXX '', he reaffirmed my eligibility for the offer and stated he did not see any open cases for the matter. He opened a new case ( reference XXXX ) to be resolved within " 2-3 business days ''. 

I called Citigold once more on XXXX/XXXX/XXXX seeking a resolution for my matter. A representative by the name of " XXXX '' stated they had not seen any forward movement on the account as formerly promised. I have lost all confidence in this matter being resolved internally. I want to thank the CFPB for representing customers in this unfortunate situation. Citibank has been incredibly disappointing, and I do not intend to continue doing business with them unless this can be resolved.
Product: Vehicle loan or lease

I sent in a conditional acceptance validation of debt letter to the financial institution Credit Acceptance Corporation for a vehicle that was purchased on XX/XX/XXXX, which was delivered on XX/XX/XXXX, asking them to validate the debt they claim I owe before any more payment is made. It is now XX/XX/XXXX and I have not received a sufficient response even after requesting for so multiple times. I then proceeded to put them in default with a way to cure the problem but they wrote back and told me they were not going to respond back to me because they showed me all they can provide which was a fraudulent contract. So I sent a cease & desist on XX/XX/XXXX. On XX/XX/XXXX around XXXX XXXX there was a repossession attempt on my vehicle. My vehicle was up for repossession which should not be because the debt was never validated and I was not notified about my car being up for repossession.
Product: Credit card

Im being charged exorbitant Cash advance and Purchase fees monthly, although Im not making any purchases or getting any cash advances by Chase Freedom Credit Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX/XXXX  XXXX {$450.00} XXXX/XXXX   XXXX {$3800.00} XXXX XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}
Product: Checking or savings account

Key Bank has an account on XXXX  that shows I ower about {$720.00}. I paid and settled the account back in XXXX, but I recently tried to get a bank account and I could not because htis information showed I was in default.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent Equifax a dispute letter to have all unauthorized inquires removed from my credit report as after not hearing back from Equifax after 30 days, I followed up with sending another dispute letter as they failed to respond to my dispute letter of XX/XX/XXXX. The reason I sent my 2nd dispute letter is because I know its federal law that requires the credit bureau to respond within 30 days in which they did not. As of today I have not received anything in correspondence to my letters. I have also tried calling multiple times. In fact I called today and they made me aware that there systems were down and there was nothing they could do for me. I then asked to speak to a supervisor and the repressive made me aware that she was not able to get me in contact with her supervisor. 

For my second follow up letter I did place a tracker in which they received on XX/XX/XXXX. The tracker is also attached in the files.
Product: Credit reporting or other personal consumer reports

I monitor my credit report regularly because maintaining a strong credit score is important to me. However, I keep coming across false and inaccurate information that has yet to be corrected, despite my repeated efforts to address it. This ongoing issue has been incredibly frustrating and exhausting, causing unnecessary stress and unfairly damaging my credit score.
Product: Vehicle loan or lease

I got a car from XXXX XXXX, XXXX, XXXX on XXXX XXXX, XXXX and it was from Lobel Financial. I recently read reviews from Lobel Financial and I see I am not the only one going through this. My credit reports from all credit bureaus say I have a numerous amount of late payments. I actually did n't have that many late payments and the last payment I made was a payment arrangement, they said I am safe if I made the payment by the XXXX of every month but I still called because all previous payments were always made by the XXXX of every month. The worker said I would be fine because there is a grace period till the XXXX of every month. The night before my payment arrangement my car was repossessed. I was able to get my belongings out for {$80.00} but they would n't let me take my speakers or anything and the price to pull the vehicle out was ridiculous. They sold the vehicle and still demanded full payment of the whole price of the car which was XXXX XXXX something and now they was {$5200.00} in fees. I called and told them that was unreasonable because they sold the vehicle and I can not pay for a vehicle in full that I was not going to get back. They took me to court and garnished my wages of {$400.00} every paycheck! I went to court and fought it and the judged ordered them to stop all payments, refund my garnished wages and to drop the case and amount. This company then reopened it on my credit as a charge off in XXXX XXXX when this hit my credit and was repossessed in XXXX XXXX. I contacted them to remove it and update it and they refuse because I did n't payoff the vehicle they already sold.
Product: Credit card or prepaid card

I applied in XX/XX/2021 for a chase XXXX marriott credit card and was approved. I received a call a few days later from chase asking if i applied. I confirmed and verified that i did. They mailed me a card. I tried to activate it. They told me it was being reviewed by fraud. I received a letter a couple of weeks later saying that they closed the card because they didnt know if it was opened by me or not. If i did apply to call. I called. They had me email my identification. Afterwards i received a letter saying i was responsible for the account they reopened it. They sent a new card. I tried to use it. They told me it was being investigated.AGAIN. I received another letter dated XX/XX/XXXX. Saying they closed it because they didnt know if it was me or not. If it was me to call and let them know. I called AGAIN. i asked why do i have to keep doing this. Their response was. The account is under review. At this point. This is on my credit and opening and closing this acct is affecting my credit. This is unfair
Product: Credit reporting or other personal consumer reports

EQUIFAX INFORMATION SERVICES LLC XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I am formally disputing the account listed under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported on my credit file with the amount of {$180.00}. Collection agency name : XXXX XXXX XXXX XXXX XXXX, the original creditor name : progressive. As I DO NOT recognize this account/debt. The reporting of this is INACCURATE account violates my rights under federal law specifically under 15 U.S. Code 1601. I request that you provide all documentation related to this account, including original agreements and evidence of proper disclosures as mandated under 15 U.S. Code 1601. 

REMOVE AND UPDATE the INACCURATE collection from my report if its found to be in violation of federal law. 

This INACCURATE account was reinserted on my credit report after deletion. As a consumer by law the accounts listed above on this letter must be UPDATED OR DELETED immediately or I will seek monetary compensation for violation of my rights in small claims court. Under 15 USC 1681n civil liability due to me being violated. Also, this letter has been sent to the complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ).
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; CHILDSUPPORT XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5600.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$530.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Re ; XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. 
XXXX XXXX XXXX  thru XXXX XXXX  Acct : ending in XXXX for {$3400.00} XXXX XXXX File Number : XXXX Debt to XXXX XXXX  discharged on XXXX. 
XXXX - debt collection call from XXXX XXXX at XXXX XXXX. 
XXXX - Response by Executor, XXXX XXXX, to XXXX XXXX uncured debt dismissed. 
under XXXX XXXX, Sec 727, of Title 11. 
XXXX - XXXX XXXX XXXX assumes debt collection after discharge. 
Monthly collection statements continue from XXXXXXXX  to date. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ). 
Monthly collection statements continue from XXXX to date. 
XXXX XXXX passes away from XXXX  XXXX. 
XXXX I received a collection call from XXXX. 
Monthly collection statements continue from XXXXXXXX  to date. 
Cease and Desist Order sent by me as Executor of the XXXX.
Product: Checking or savings account

Two deposits were made today {$470.00} and one for {$410.00}. XXXX USAA is withholding {$680.00} of those payroll checks. 
I tried to resolve with going to a supervisor to no avail. 
I believe it is illegal to keep that much of a payroll check I would like to issue an investigation into this situation. It is not the first time funds have been held with no rhyme or reason or consistency in their policy.
Product: Credit card or prepaid card

Debit card shut off on, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, And more : XX/XX/XXXX, and XXXX This is being done by the Bank of America, under the guise it is for security or fraud. 
Yet, if you look at my purchasing history, well documented, it is the same purchases I have made for years.Shutting debit card off my debit card is XXXX XXXX XXXX XXXXI am a honors preferred client customer labeled by the Bank of America. Been with Bank of America since XXXX. Carry balances in excess of XXXX figures. 
I am a Veteran, XXXX and a senior. 
Bank of America advertises their debit card by, " use it as you want to. '' After shutting down my XXXX XXXX, it was impossible for me to buy a prescription at my drug store. The next to last XXXX XXXX was rude, talked over me, XX/XX/XXXX, I begged her to let me talk and completely IDed myself, but she refused to release the card for use. 
I challenge the bank to listen to that XXXX rude conversation.She went on to accuse me of using the card in an aggressive manner, when I asked her to define aggressive usage she went ballistic.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED 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 XXXXXX/XX/XXXX
Product: Debt collection

I woke up XXXX morning and XX/XX/XXXX or so and all of my bank accounts were at XXXX even a shared account with someone. Come to find out blitt and gaines pc XXXX had a court judgement filled against me to garnish my bank account. I was never served papers. No discussion prior, No percentage taken, everything just wiped to zero all XXXX accounts ( XXXX shared, XXXX personal ). I contacted them per XXXX XXXX XXXXXXXX saying I need to contact them XXXX. 

I did such and the process has been a nightmare since then. This is my payroll account which I can no longer access because this law frim has put a hold on the account. Not only that the hold is still on today and it has been over XXXX  months. I have contacted them repeatedly and said I can not pay my bill due to my account being on hold and they are dragging their feet in the process. They seem to not care and say it takes time. 

This lackluster effort has caused severe financial strain and has impacted my credit report. I have asked for things to be expedited or some clarity on what's going on and I get, " its a process ''.
Product: Credit reporting or other personal consumer reports

I want to inform the Experian and XXXX Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these unauthorized inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian and XXXX CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I contacted account Corp of southern Nevada to settle a debt with them that they bought off of a hotel that I had stayed at years prior. I gave them an offer and they responded that there was no way they could take anything less than the full amount and they couldnt negotiate anything less than the full amount because it was an eviction. They lied to me to try and get a larger commission on my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX 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 In Accordance To The Fair Credit Reporter Act The Account Listed Has Violated My Rights..15 usc 1681 Sections 8 States I Have The Right To Privacy 15 usc 1681 section 604 A Section 2.I also state a consumer agency can not furnish your account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I discovered that a collection account was posted by XXXX XXXX XXXX ( XXXX ) to my Experian consumer credit report ( Enclosure XXXX ). The report indicated that the amount owed was {$140.00}, and that the original creditor is XXXX. To date, I have yet to receive a letter from XXXX regarding this collection account. However, based on the information ( amount and original creditor ) provided by XXXX to XXXX and Experian on XX/XX/XXXX, this debt is not mine. The amount and original creditor are the same as those submitted by XXXX XXXX XXXX ( XXXX ) to the three credit bureaus in XXXX. Together, the XXXX credit reports indicated that the last payment made to the XXXX account was XX/XX/XXXX ; that the date of first delinquency was XX/XX/XXXX ; that there was an account review inquiry to XXXX by XXXX on XX/XX/XXXX ; and that the collection account was opened on XX/XX/XXXX ( see attached supporting documentation ). While I previously had an account with XXXX, that account was closed in XXXX of XXXX. That account was also in good standing at the time of closure. All fees had been paid as the account was set on credit card autopay, including a close-out payment of {$18.00} on XX/XX/XXXX, and all equipment returned ( see attached supporting documentation ). Since closing my XXXX account in XXXX, I have not opened another account with XXXX, and am not the person who made the XX/XX/XXXX payment to the XXXX account in collection. On XX/XX/XXXX, I submitted a dispute regarding the collection account referenced above to Experian via certified mail ( see attached supporting documentation ). I also filed a complaint with CFPB on XX/XX/XXXX ( Complaint ID XXXX ), which ultimately resulted in removal of that collection account. 

As a XXXX XXXX XXXX XXXX XXXX in Oregon, this matter is distracting my attention and time from serving Oregonians. I would, therefore, greatly appreciate the CFPBs assistance in resolving this matter expeditiously.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the report of a XXXX XXXXXX/XX/XXXX XXXX cancellation account that appears on my credit report, and to request its removal due to multiple inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I could not get a response after mailing a request in for credit reports ... I tried to do online and it said I had an account it had wrong phone- went to this email Name on file showed XXXX after it closed out- not full hyphenated name!!! Make sure name on file is correct- Experian and XXXX company keeps switching my name to parts of name or account compromised- online, tried account exists already-? In one spot full hyphenated name show!!! If this is legitimate site then information is being changed for my social security number Remove XXXX I called- no record of account under social use appeared on report -Provide name sources -Errors in name reporting Some systems dont hyphenate so I ask them to close name so it wont seem like last is middle name! 
-PLEASE hyphenate my name!! 
-Dealing with odd things - in home, car etc..cyber theft stalking hacking forgery and more. While I use computer., phone and work crazy activity just today also ... 

Did remove XX/XX/XXXX I Do not have 2 credit cards Disputed XXXX loan type and amounts and XXXX XXXXXXXX XXXX XXXX inaccurate the loans amounts increased! 
I am finding out my info is getting mixed up ... I believe a lot of places are getting hacked ... too many scams I never lived in Texas, Ohio, or California.. I am a Michigan resident all my life
Product: Credit reporting

On my trans union credit report my name and address are wrong and they are accounts and inquiries that are n't mine
Product: Student loan

ACS servicer/ XXXX  for my student loan is reporting my account in COLLECTION . ACS Inc. is th e student loan servicer for  XXXX .  ACS  is reporting to   XXXX   and  XXXX  that my account is not just late but in COLLECTION.   1. During the time fram e   XXXX      XXXX    m y loans were being consolidated.   2. I worked with  XXXX   XXXX  to correct this information which was not corrected by ACS to the credit bureaus.  XXXX   XXXX  requested 6+ times for this information to be verified and corrected.   3. These request were made at least 1 year ago - yet  ACS  has not verified nor corrected information.   I have attached : Loan consolidation document from ACS, current  ACS  account information,  XXXX    XXXX   document requests ( which had no responses ), an d   XXXX   XXXX   credit reporting s howing information reported to credit bureaus  XXXX / XXXX / XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent my dispute letters to Credit Bureau numerous times and Credit Bureau is refusing to investigate into existing problem. I have pulled my report from all three credit Bureau in order to COMPARE my reports and I found numerous incorrect information and DIFFERENT information on each Bureau ; I can tell they didn't even try to verify information from my dispute letters. I have also obtained my report from three different sources who provide credit report, so I can proof now, they my rights as a consumer were violated. 
In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.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. 1681 c. ( 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 crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate. 
I'm exploding my rights and I'm filing complaint to Attorney General as well.
Product: Credit reporting or other personal consumer reports

I have the security freeze active yet on XX/XX/year> I see an unknown Inquiry from XXXX  XXXX - Not only the Inquiry but a false dispute I never made for that Inquiry. XXXX XXXX is a fraudulent account, and now there are false inquiries Report Number : XXXX - In XXXX XXXX I disputed XXXX XXXXXXXX with all XXXX bureaus and on XX/XX/year> I attached the proof of the investigation results, with the same result from all XXXX bureaus, and then Removed on XX/XX/year>. It has been 90 days since the start of my dispute 60 days since the dispute result. capital one has not been fair in its actions. Experian seems to be the Only bureau allowing this to happen.