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

I applied for a Citigold checking account XXXX XXXX, 2016 over the phone and was approved. Phone representative confirmed, promised XXXX AAdvantage miles after completing required activities. 
I followed up with Customer Service later. Phone representative again promised XXXX AAdvantage miles after completing required activities. 
After completing required activities, I emailed Customer Service but received a message back on XXXX XXXX to the effect that I would not be receiving the promised XXXX AAdvantage miles. What a disappointment! 
I do have a disclosure that Citibank mailed to me promising the XXXX AAdvantage miles after completing required activities. It is attached. 
I have completed all the required activities. Citibank should have a record of my calls and message. Please ask Citibank to award the promised XXXX AAdvantage miles.
Product: Payday loan, title loan, personal loan, or advance loan

I opened up this loan and have never been late I should not be increasing at all should be decreasing by them report that the loan has increased its dropping my credit score they need to correct the balance and remove that from all 3 credit bureaus
Product: Credit card

I signed up to pay for paper billing with Synchrony. I'm okay with paying a little more to receive paper billing. After signing up and paying for paper billing, I am no longer able to view my statements electronically. I have other accounts with Synchrony where I am able to receive paper bills, and also view statements electronically. This policy was not disclosed to me when I signed up for paper billing. It feels very manipulative not to offer any option to receive paper bills, while also retaining access to electronic statements. It feels like a security issue as well, having access to electronic statements helps me quickly verify previous activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ITEMS DOES NOT BELONG TO ME. THOSE ACCOUNTS WERE INACCURATELY PLACED IN MY CREDIT FILE WITHOUT MY KNOWLEDGE. PLEASE INVESTIGATE THE ACCOUNTS AND HAVE IT REMOVE OFF MY FILE
Product: Debt collection

I am a XXXX  XXXX. I will be XXXX XXXX  of age at the end of XXXX. I am reaching out as I have received communication from a debt collector. This particular collector has been inappropriate, contacting family members about my financial information and debt that I may not owe. I am a ill person with several XXXX  XXXX. Although I once was able to handle onslaughts such as this in the past, I now find I need help managing because of my medical state. At times I have problems paying my co pays for my meds. After requests for verification I was told that I can be sued if I did not cooperate. All I asked was who are you, and what debt do I owe and they did not verify. I will readily come to a reasonable agreement but I need to be met at a place where I am ; I need clear knowledge of who I am paying and why. I feel uncomfortable and harassed with the calls such that I am afraid to answer my phone.
Product: Checking or savings account

On XX/XX/2018 I had charges come into my checking account in the following sums : 1 ) {$190.00} 2 ) {$290.00} 3 ) {$15.00} 4 ) {$15.00} 5 ) {$12.00} Chase chose to pay the 2 largest bills {$290.00} and {$190.00} from {$500.00} in the account and then pay the 3 remaining bills of {$12.00}, {$15.00}, and {$15.00} which caused an insufficient fund fee of {$34.00} x 3 = {$100.00}.

If they had paid the smaller bills of {$12.00}, {$15.00}, {$15.00}, and {$190.00} from the {$500.00} balance I had in the checking account there would have been only 1 insufficient fund fee charge of {$34.00} instead of {$100.00}.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX XXXX Account Number : XXXX XXXX : Bankruptcy chapter XXXX Case Number : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX TransUnion : XXXX XXXX XXXX dismissed Case Number : XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Debt collection

NATIONAL BUSINESS FACTOR submitted an account to all three credit bureaus this morning for collection. Original creditor was XXXX XXXX XXXX, I was a victim of a hit-and-run car accident by a drunk driver last spring. NATIONAL BUSINESS FACTOR said that because I was an out of state client they're not authorized to initiate communication via phone or mail prior to reporting the collection to my credit. When speaking with the supervisor she became hostile, cursing and raising her voice at me saying " WELL YOU KNOW XXXX XXXX WELL COVID19 ... BLAH BLAH BLAH '' ... I stopped listening after this. 

When I asked to speak with the director ( since she was the supervisor ) they just rerouted me to another rep, they also refused to delete the account if I wouldn't pay the interest - I feel that the lack of willingness to get my account settled was retaliation for being unwilling to accept the supervisor being verbally abusive. 

NATIONAL BUSINESS FACTOR SUPERVISOR : XXXX XXXX XXXX THAT CLOSED ACCOUNT : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This Acct # XXXX shows that I owe them that I owe them {$5700.00} this acct is reporting that this acct was open XX/XX/2020 on ( 2 ) XXXX and ) XX/XX/2020 this acct is mis reporting inaccurate info. I don't have any account with XXXX  XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

These hard inquires have made a huge impact towards my credit score and I have to fix the damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I launched an investigation into XXXX XXXX XXXX reporting of a debt with XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX. I was denied leasing with XXXX XXXX  XXXX on XX/XX/XXXX. I worked for a preferred employer mployer so the application fee was waived. However, XXXX XXXX XXXX is falsely reporting this as a debt owed on report with XXXX  and Transunion. THIS IS false reporting.
Product: Debt collection

Hi First Credit Collections Services ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XXXX XXXX XXXX  requesting the investigation, verification and update of these suspicious accounts. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus because of their willful non-compliance. These accounts were already included in my prior complaint last XXXX XXXX XXXX and I'm including it again. The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1900.00} XXXX XXXX XXXXXXXX Balance Owed : {$1900.00}, must be updated to reflect accurate information on my Credit File.
Product: Credit reporting or other personal consumer reports

Reporting of illegal lates per U XXXX Code 1666B and U S Code 1681B. I've requested on several occassions that these accounts be removed immediately or updated to paid as agreed. They're also in violation of. U S Code 6801 ProtectiXXXX of non public personal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account number # ( XXXXXXXX # XXXX ), ( XXXX # XXXX ), ( XXXX XXXX # XXXX ), ( XXXXXXXX XXXX  # XXXX XXXX, ( DEPTEDNELNET # XXXX ), ( XXXX # XXXX ), ( XXXX # XXXX ), ( XXXXXXXX XXXX # XXXX ), ( XXXX  # XXXX ), ( XXXX # XXXX ) the following companies have 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: Debt collection

Regarding Pinnacle collection services. They state that I owe  XXXX  {$40.00} fr om 2013. I  have never had an account with  XXXX . The amount is petty. I have more than enough money to pay the {$40.00} but why would I pay someo ne one cent  of my money if I do n't owe it?     What are the details of the alleged debt? Cell phone? Home phone? If so, why such a small dollar amount???? Does  XXXX  have any other records showing a history of payments or me doing business with them? I do n't think so because I have never had this account in question.     It 's not fair that they can add this to my credit file without substantiating the account.     Please look into this.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of incorrect accounts from my credit report. Could you verify the documents? Several accounts listed are reported inaccurately, including incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told my explain that the account is not on my credit report but it is this account was not removed.
Product: Mortgage

In last two months I tried to make online payments with Wells Fargo and select a date to send the payment. The calendar appears but the website will not allow you to select a date other than the day you are on the website. It seems like they are forcing you to make the payment at that time with no choice of the payment date.
Product: Debt collection

Hello I have tried to dispute this debt for some time now my identity was stolen after a horrible car accident I was involved in my car blew up on impact and I was air lifted to the XXXX along with my XXXX XXXX XXXX daughter at the time. This is one of those accounts that was opened under my name. The first dispute was a little over a year ago and it came back verified accurate and resolved in 3 days the company says the reviewed everything and that the debt is mine. I tried to dispute this again a week ago and they finally removed it from my credit report it dropped my report down by 23 points for removing the negative remark. I check my credit report again and this same debt shows up on my report dropping it another 7 points because of the negative remark. Im not sure what game this company is playing but its hurting my credit really bad I just got denied a rental home because of the issues caused by this company and my credit dropping so many points to just have this incorrect debt added back on my report causing more harm this is horrible and seems illegal I would like help resolving this matter thank you very much for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/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 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 says a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The  XXXX  credit companies that are Experian,  XXXX  and  XXXX   XXXX  are showing that I have a late payment on  XXXX . The account was paid off  XXXX / XXXX /  XXXX   and I had a refund mailed to me on  XXXX / XXXX /  XXXX  .     I am trying to buy a home and with this reported late in the last 12 months it is impossible. I had disputed the mistake with the credit companies and it was never removed. All it showed was ACCOUNT IN DISPUTE -- CONSUMER DISAGREES.     What is there to disagree with? Did they even call to check? I am trying everything I can I just feel as if I have no options. I will continiue to work with my lender to get this fixed but the  XXXX  credit companies have been of no help and  XXXX   XXXX  will not provide a letter that there was never a late on the account, just this payment history that I am attaching below.
Product: Checking or savings account

A fraudulent checking and savings accounts were opened in my name using my social. I currently bank with Wells Fargo and had 4 accounts opened with them. These new accounts used a different email, phone number and mailing address when opened. Then the identity thieves opened a new profile with a seperate social to access these accounts online. At no time was this flagged or notified me. If using my name and social but everything else was different, why wouldn't these be flags in their system. I could see all of these accounts under my profile but they said the fraudulent profile could only see the 2 new accounts. Doesn't make sense to me. 

The fraudulent accounts never had money put into them but they transferred {$100.00} from the checking to the savings. How do you transfer money when no money was there? So the account was negative {$100.00}. Then they transferred {$160.00} from the savings to a XXXX XXXX Checking account. Again how do you transfer money out of an account when no money was ever there? Wells Fargo couldn't even explain the activity. All of these things should have been flags in their security system. Where are their protocols and protection to the consumer?
Product: Credit reporting or other personal consumer reports

Nissan Motor Acceptance Corporation has acknowledged that the account reported by XXXX has been settled and closed paid/ Never late. We request XXXX to accurately reflect this updated information on the credit report. 

Furthermore, Nissan Motor Acceptance Corporation is being accused of engaging in corporate malfeasance, including detrimental credit reporting practices and the unauthorized repossession of a vehicle owned by the consumer. While the account in question has been closed, the inaccuracies surrounding the incident have not been rectified. 

In addition, it should be noted that I have not previously raised this issue with XXXX. This communication serves as formal notice that inaccuracies present in the credit report are adversely affecting the consumer. Despite being aware of the disputed nature of this account and its involvement in legal proceedings, XXXX has persistently maintained the erroneous reporting. 

I am hereby requesting a compensation of {$3000.00} for the harm caused by these inaccuracies. Failure to address this matter adequately will compel me to seek redress through appropriate legal channels, utilizing this communication as evidence to support my claim.. 

Furthermore, it is imperative to highlight that XXXX XXXX actions may be in violation of the U.S. Code concerning late payments, specifically 15 U.S. Code 1666b. This violation is pertinent as the transaction in question was conducted using a credit card and a negotiable instrument. Such non-compliance with federal regulations further underscores the gravity of the inaccuracies in the credit reporting system and their detrimental impact on the consumer. 
XXXX CONSIDER THIS YOUR OPPORTUNITY TO CURE
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the furnishers & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Update the account 's information : XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

It happened on XX/XX/year>. I had a girl scam me thru XXXX and she pretended to be XXXX XXXX and asked me to zelle {$200.00} to her account XXXX and the name popped out as XXXX on Zelle. I was not able to get mu money back after reporting it to Zelle/XXXX XXXXXXXX XXXX
Product: Checking or savings account

I opened a robinhood account in XX/XX/year> and started investing. I transferred a lot of money from my XXXX XXXX  account into it. Gradually, I transferred over {$10000.00} from my XXXX XXXX card to my Robinhood account, but I found that I couldn't withdraw the money from robinhood. Whenever I wanted to withdraw my money, it would show : You can't withdraw into this account right now. You can only withdraw back to the account where you originally deposited. I couldn't withdraw my money. But what is unreasonable is that I have only one XXXX XXXX account, so my deposit account has never changed, and the deposit account and withdrawal account are the same. I am very surprised by Robinhood 's behavior.They locked my account for more than a month, from XX/XX/year> to the end of XXXX. I tried to contact them many times, but they never solved the problem for me. My account has been unable to buy stocks and withdraw money. On XX/XX/year>, they automatically sold all my stocks. I lost a lot of money, and they wanted to close my account and still wouldn't let me withdraw the money.All my stocks have been automatically sold by Robinhood, and I need to withdraw my balance in Robinhood now
Product: Payday loan, title loan, or personal loan

On XX/XX/2018, around XXXX eastern time I received a call from XXXX XXXX XXXX indicating I had been approved for a loan. They offered me a loan of {$500.00} that would be deposited into my checking account. I was advised I had extended time to pay and could pay off early. With the call happening so late in the night, I accepted the loan. Afterwards I was sent a link to click on and " agree '' to the loan. I wasn't presented with the Truth in Lending disclosures or otherwise I would have declined the loan. 

My " contract '' arrived via email. The APR is 861.71 %, on a XXXX loan. The total payments scheduled were biweekly with 16 payments total. The total " cost '' of the loan with all payments made is {$1800.00} which would make the grand total repayment amount of {$2300.00}. 

Payday loans are illegal in the state of Georgia unless the lender is licensed by the state to issue loans ( which this tribe is not ) and unless the lending institution is insured by the FDIC ( again, they are not ). 

Further the interest rates in this loan also violate state laws aimed at protecting customers. At the time, I was unaware this predatory lending was illegal. I have contacted the XXXX County District Attorney as well as the Georgia Attorney General 's office regarding this company and its lending practices.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXXXXXX - BALANCE {$7800.00} XXXXXXXX XXXX XXXX XXXXXXXX - BALANCE {$3800.00} XXXX XXXX # XXXX - BALANCE {$6300.00} XXXX # XXXX - BALANCE {$3000.00} XXXX XXXX XXXX XXXX - BALANCE {$3300.00} XXXX XXXX XXXXXXXX - BALANCE {$12000.00} XXXX XXXX  # XXXX - BALANCE {$3900.00} XXXX XXXX XXXXXXXX - BALANCE {$14000.00} XXXX XXXX XXXXXXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - BALANCE {$7900.00} XXXX XXXX  # XXXX - BALANCE {$1300.00} XXXX XXXX  # XXXX XXXX XXXX  # XXXX - BALANCE {$4800.00} XXXX XXXX  # XXXX - BALANCE {$4400.00} Unauthorized inquiries 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 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 XXXXXX/XX/XXXX