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

On XX/XX/2019 I received an email from BMO Harris Bank inviting me to open a Statement Savings account and offering me a {$50.00} cash bonus after qualifying transactions. The email stated : Get a {$50.00} cash bonus. Well reward you with a {$50.00} cash bonus1. Heres how : 1.Between now and XX/XX/2019, open a Statement Savings account with a minimum of {$1000.00} in new money 2.  Maintain at least {$1000.00} in the account for 120 days, and you'll receive a {$50.00} bonus. On XX/XX/XXXX I applied for such account using the promo code XXXX that was sent on the invitation email. Later the same day I received a confirmation email informing me that my account had been opened and that the {$1000.00} opening deposit from my external bank has been completed. The deposit posted on XX/XX/XXXX, I waited 120 days as the terms of the promotion stated but my {$50.00} bonus never was credited to my account so contacted BMO Harris Bank on XX/XX/XXXX through their websites secure message and the next day rep. XXXX replied my message and confirmed that I had met the requirements, however he said that he needed to escalate the bonus inquire but first I needed to call customer service and provide an statement of my external account I wasnt sure what he meant by escalate the bonus inquire so I replied back saying that that providing an statement of my external account was not mention anywhere on the terms and conditions of the promo but never received a reply. This is really frustrating because they lure you into opening accounts offering bonuses and then give you the run around when is time to pay, even though I meet the requirements.
Product: Credit card or prepaid card

XXXX date is Wednesday, XXXX XXXX, 2022 -In the past days, Ive received emails from Discover, of which Ive been a long time card holder, in excellent standing, with a large credit limit, of which I now have a very low balance. 
-The emails are demanding I sign an XXXX  verification form XXXX, as to give Discover full access to my XXXX  transcripts. If I do not, they will close my account, of which will bring down my credit score as to the long term excellent history I have with them.

-Thinking this a scam, I called Discover to learn it was actually true. 
-Discover claims this verification info will be acquired by a XXXX party, that being XXXX XXXX 
-Upon receiving numerous emails from XXXX XXXX I called XXXX XXXX this @ XXXX XXXX XXXX XXXX and spoke with XXXX. 
XXXX XXXX me that XXXX XXXX NOT communicate via email, but only by post office mail. 
XXXX XXXX me that this was a scam for their company does not do XXXX party verification such as this. He then went to his superior to confirm, of which the supervisor said the same. This all occurred this day, XX/XX/XXXX, to the above phone number at XXXX XXXX  central time. 
-I was told by XXXX XXXX call Discover and relay the information I was told, and to direct Discover to call the XXXX XXXX line at XXXX XXXX XXXX XXXX. 
- I first called Discover consumer service where I was told a supervisor would call in the next 3 business days. 
-I then called Discover XXXX at XXXX XXXX XXXX XXXX. I spoke with XXXX. Upon telling him the full story, he agreed to open an investigation and I would here from him in the next 4 weeks. He also gave me another number to reach him : XXXX XXXX XXXX XXXX. He said this was not a scam and was quite real. 

* I do not see it as normal business practice to ask my release to my XXXX  account. I did offer to XXXX a copy of this years tax return, redacted, to prove income. 
* I do not know why I am being targeted with a perfect record. 
* Should they close my account, my credit will be drastically affected due to the length of this good standing account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts and inquiries appearing on credit report. 


1. XXXX {$380.00} 2. XXXX XXXX  XXXX {$560.00} 3. XXXX XXXX XXXX  {$120.00} 4. XXXX XXXX XXXX {$180.00} 5. XXXX XXXX XXXX {$2000.00} Inquiries 1.XXXXXXXX XXXX XXXX XXXX, 2. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention that you have neglected to fulfill the requirement outlined in XXXX XXXX XXXX XXXX - XXXX of furnishers of information to consumer reporting agencies. Specifically, you failed to indicate that a particular account was under dispute within the stipulated XXXX timeframe. This omission constitutes a violation of this provision.
Product: Credit reporting or other personal consumer reports

A XXXX XXXX XXXXXXXX credit card was opened in my name on XX/XX/year>. This was the first of many attempts to open credit cards in my name. I disputed all others and all others were found to be fraudulent. I then froze my credit to ensure no others could be opened in my name. I had understood that this card had been resolved, but it was used sometime in XXXX. I realized this when my credit score dropped XXXX points for a late payment I didnt know about. I dont even have a way to pay the bill off if I wanted to. I dont know what else to do, I cant get through to anyone to even cancel the card. I will be taking this to the police as soon as possible as well. Please help. This isnt my account and my credit history shows that Im never late on any other accounts and never have been.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never lived there at above address and the Experian, XXXX, XXXX XXXX XXXX not remove it some reason I even submitted the documents to approve it and I also noticed the XXXX XXXX and Experian are not updating there XXXX scores XXXX Equally if they are getting XXXX scores from XXXX it should be the same I dont understand XXXX is XXXX but XXXX XXXX is XXXX and Experian is XXXX XXXX believe scoring module reported unfairly.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees dues to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settles with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Current Address : XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX TX XXXX The following discrepancies have been identified on my credit report, along with their corresponding FCRA violations : Collection account from XXXX XXXX with account # XXXX and a balance of {$350.00}. The original creditor is XXXX XXXX XXXX. 

Violation : FCRA 623 ( a ) ( 1 ) ( A ) Violation : FCRA 623 ( a ) ( 2 ) Violation : FCRA 611 ( a ) ( 5 ) ( A ) I dispute the accuracy of the amount and the open date of this account. To comply with FCRA regulations, I request the Consumer Financial Protection Bureau 's assistance in procuring the last billing statement from the original creditor, which should reflect the amount due and the date it was due. Non-compliance would represent a violation of FCRA regulations, and I rely on the Bureau 's support to address this matter. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1400.00}. The original creditor is XXXX XXXX. 

Violation : FCRA 623 ( a ) ( 1 ) ( A ) Violation : FCRA 623 ( a ) ( 2 ) Violation : FCRA 611 ( a ) ( 5 ) ( A ) I contest the accuracy of the amount and the open date of this account. In accordance with FCRA guidelines, I kindly request the Consumer Financial Protection Bureau 's assistance in procuring the last billing statement from the original creditor, which should indicate the amount due and the due date. Failure to provide this information would amount to FCRA violations, and I look to the Bureau for resolution. 

Collection account from XXXX with account # XXXX and a balance of {$2000.00}. The original creditor is XXXX. 

Violation : FCRA 623 ( a ) ( 1 ) ( A ) Violation : FCRA 623 ( a ) ( 2 ) Violation : FCRA 611 ( a ) ( 5 ) ( A ) I challenge the accuracy of the amount and the open date of this account. To comply with FCRA provisions, I request the Consumer Financial Protection Bureau 's assistance in obtaining the last billing statement from the original creditor, indicating the amount due and the due date. Neglecting this request would constitute FCRA violations, and I look to the Bureau for resolution. 

I implore the Consumer Financial Protection Bureau to conduct a comprehensive investigation into these matters and facilitate the immediate deletion or correction of the disputed information, as mandated by FCRA regulations. Please be aware that failing to remove or rectify these inaccuracies within XXXX days may prompt legal action against all relevant parties, based on FCRA violations detailed in the 2023 Fair Credit Reporting Act. 

Thank you for your diligent consideration and prompt action in this regard. 

Sincerely, XXXX XXXX
Product: Credit reporting

I am filling this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to 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 matter as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting inaccurately and XXXX is reporting a debt on my account for a collection that is inaccurate. It also has incorrect information reporting. The amount is {$350.00} and {$700.00}. In accordance with the Fair Credit Reporting act 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to make a general complaint about a disturbing trend among large U.S. banks most notably XXXX XXXX XXXX ( XXXX ) and Citigroup which are reportedly using their enormous market power to discriminate against their customers who conduct lawful firearm-related business activities protected under the Second Amendment to the US Constitution. 

These banks seem to be making political statements and using social engineering to act against law abiding citizens by withholding access to credit to customers and companies they disfavor. 

There is also reason to believe that these banks may be using their collection of personally identifiable information ( PII ) to monitor and deny financial services to individuals and companies who are engaging in completely legal and Constitutionally-protected activity. 

As a consumer of firearms and related products, I am very concerned about XXXX and Citigroups antigun discrimination. 

Every American adult likely uses or will need banking services to survive in our modern economy. Law-abiding gun owners have legitimate concerns about possible collusion and collective efforts between banks and/or banks and political advocacy groups aimed at denying them services simply for exercising their rights under the U.S. Constitution and laws. 

These efforts also can create a hostile and chilling climate for the exercise of Second Amendment rights, particularly for those hoping to obtain financing for such things as home and auto purchases or running a small business. Once financial institutions take it upon themselves to set social policy that exceeds the requirements of the law, its impossible to know where they will stop or what other indicators of disfavored activity might become relevant to them. No American should be treated as a scapegoat for someone elses crimes. 

We taxpayers footed the bill in billions of tax dollars to help bail out these financial behemoths after the banks reckless business practices brought their companies and the U.S. economy to the brink of disaster. 

Citigroup  received nearly half a trillion dollars in taxpayer-backed guarantees and cash after putting the entire financial system at risk. It was the largest government bailout in American history. 

Citigroups new firearm policies run counter to laws and regulations passed by Congress, and they infringe and discriminate against an individuals Second Amendment rights.

These bank policies should not be endorsed by our federal government. Our government should only do business with companies that respect all of our constitutional rights, including the Second Amendment. 

We need to know more about these banks restrictive firearm policies and any other legal transactions, industries, and businesses they disfavor, prohibit, or boycott. 

I urge you to investigate the business practices of these banks to root out unfair, deceptive, or abusive acts or practices. Please monitor these financial giants for risks to law abiding consumers engaged in lawful commerce for our Constitutionally-protected Second Amendment activities. 

XXXX XXXX XXXX, TN
Product: Credit card or prepaid card

I opened an XXXX credit card to pay for 4 new tires at the XXXX located at XXXX XXXX  XXXX XXXX, XXXX, LA XXXX. I did this on XX/XX/2018, agreeing to pay the initial balance of {$570.00}. Since then, I received no notice, statement, credit card or any information about how to pay this bill until I started receiving phone calls from Citibank saying the bill was past due. When I opened the credit card, I was told that a new card would be mailed to me and then I could use that card to open an account online. Since I never received the card, when Citibank called me I was unsure if this was a fraud phone call since I did not know who was servicing the XXXX credit card. That day, I asked for a mailed statement. I then asked about the address associated with the account and was told that the account was opened under then wrong address. I received my first statement about one week ago around XX/XX/XXXX. This statement had the account number on it but not the credit card information. Today I called the customer service number listed on the statement and Citibank employees then told me that I need to pay the late fees associated with the account. I am disputing the late fees since I had no way to access the account or the billing statement. 

I have still not received the physical credit card or any communication from XXXX. As such, I can not register to pay online with the website listed on my statement ( XXXX ) because I do not know the credit card number or security code and have no way to access that information. A citibank employee told me that I can not access that credit card number over the phone -- and falsely told me I can register for an account using my account number. I then tried to settle the initial balance online using the account number and was unable to do so. Please let me know if you would like a recording of this phone call. Again, I am disputing the late fees since I just received a billing statement 2 months after opening the account in person.
Product: Debt collection

The doctor 's office tried to collect this debt six months ago and I explained the debt is not mine. I did not receive the ER service being charged. 
Two months ago the debt was sent to the LOCKHART, MORRIS & MONTGO collections agency. We disputed and asked for an itemized list. The representative said date of birth is not a match and that it could take them up to six months to process the dispute and said I could not get an itemized list because the DOB is not a match with mine. 

I just need this debt to be removed from my name because I am trying to consolidate all my other real debts so that I can be current and it is affecting my current loan calculations because it appears under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE XXXX XXXX XXXX Last reported XX/XX/2022 {$840.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/2022 ( XXXX mos ) Account status Open Type Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute about an incorrect late payment on my credit report and Experian simple updated the information but did not provide proof of where they got that information. They failed to due a reasonable investigation and simply just ignored my dispute. This is a violation of federal law. There's no way they verified this information with the company that account was for as it was a matter of days. So now i am filing an additional dispute as well as an intention to file suit. 

The account in question was a secured credit card account which is an account that I provided money for to establish the credit line... I decided to close the account and they were to apply the money held to secure the credit line against the balance and return the remainder to me. This was set up correctly and done I have proof of the phone records showing the dates and time this was requested. Unless Experian can provide me written proof that I was late on my payment which would be IMPOSSIBLE since the bank already had the funds, this is inaccurate reporting which is also a violation. 

I am in the processing of securing a very important business deal and this incorrect information is damaging not only my personal credit it is risking my personal finances. Experian should be fully aware that I will file suit for incorrect information on my report so I am giving ONE opportunity for them to actually look at the information and correct it as they are required to do by law OR I will file suit and they will be forced to correct it and I will seek monetary damages for their willful and negligence in not complying. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I have noticed a number of inquiries and accounts that has been opened in my name fraudulently. 

Those accounts are XXXX {$590.00} open on XX/XX/XXXX account number XXXX XXXX XXXX {$660.00} opened on XX/XX/XXXX account number XXXX XXXX  {$2300.00} opened on XX/XX/XXXX account number XXXX XXXX XXXX {$860.00} opened on XX/XX/XXXX account number XXXX The following inquiries have been opened in my name that were not done by me. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

pened a XXXX secured credit card account. I was approved and funded the card through an ACH transfer from my bank to XXXX. A card is mailed to me and I am able to activate and use the card. A week/10 days in, I am asked to submit a verification document. 10 days after that, I received an email saying that my account has been closed. I called XXXX to get information regarding the closure. They could provide none other than " business decision. '' I asked about recourse, next steps and why there was no adverse action notice. They had no answers other than " our current policy is not updated '' so we can not provide any information regarding the business decision. Any remaining credit balance will be mailed to me in 4 months. Why was I approved for a card and then denied with no explanation or recourse? In addition, why are they holding on to my money and collecting interest on it based upon their unilateral decision? The phone agent did indicate that I could reapply for a card. It I can reapply for a card though I suspect it would be rejected and further harm my credit score. 

In my XXXX complaints, XXXX reviewed my complaint and cited no new information and provided no answers : They provided no adverse action notice and no justification for their decision. They must inform me of where they got their information and how it can be corrected. I received neither of those. When pressed in the XXXX  complaint, XXXX offered no information and subsequently the XXXX complaint was closed without resolution. 

They are violating FCRA as their denial of credit impacts my credit score. I have a right to know why my credit account was closed and how I can correct any errors that led to that bad decision. They do not get to have my money for several weeks while they review and ultimately cancel my credit account. 

As this closure negatively impacted my credit score and any subsequent attempt to reopen an account would further impact my account, they have a responsibility to disclose.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a reinvestigation of the inaccurate information you have reported to the credit bureaus regarding the following account : Inquiry is in accurate and wasn't pulled with my permission. I was made aware companies can only obtain credit report legitimate reasons, permissible purpose. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), a creditor is required to provide verification of the disputed account within a reasonable timeframe. Since you have failed to provide adequate proof validating this accounts accuracy, you are in violation of your legal obligation. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) ( 15 U.S.C. 1692g ), if a debt can not be verified, it must be removed from all credit reporting agencies immediately. Your continued reporting of this unverified account constitutes inaccurate and unfair credit reporting, which is a direct violation of my consumer rights. 

As a result, I demand the immediate removal of this inaccurate information from my credit report. If this account is not removed within 30 days of receiving this letter, I will have no choice but to escalate this matter with moving forward with lawsuit. Additionally, I reserve the right to pursue legal action for willful noncompliance under FCRA 616 ( 15 U.S.C. 1681n ). 

Please confirm in writing that this account has been deleted from my credit file. I expect a response within the legally required timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a dispute letter to XXXX  and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.