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

As part of the agreement betwee n Citibank and  the CFPB concerning their identitymonitor product I was issued a credit of {$170.00} to my card ending in  XXXX .  Citibank sent me a letter explaining why I am receiving the credit and the agreement with the CFPB. I requested a refund check for the credit amount which Citibank se nt to me, but when I deposited the check on  XXXX  it bounced! Very embarrassing. I was then charged a fee by my bank. I spoke t o a specialist at Citibank o n  XXXX  who promised to reinstate the credit funds of {$170.00} but up till today  XXXX  the credit has not been placed back on my account. It seems that  Citibank does not want to honor the CFPB agreement and wants to renege on the credit. I have called and spoken to customer service agents at citibank on three more occasions and they all promise to reinstate the credit but the credit is still not reinstated. It seems that Citibank may n ot be taking the CFPB seriously
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Product: Debt collection

I was notified by a credit monitoring service that a new collection was placed on my credit report on XXXX/2017 by Midwest Recovery Systems. I have never received information regarding the account or the pay day loan Midwest Recovery Systems are attempting to collect. Midwest Recovery Systems failed to allow time to dispute the debt prior to reporting to the credit agencies.
Product: Credit reporting or other personal consumer reports

My consumer report contains accounts linked to identity theft, which I never authorized in writing or with a wet signature. I recently notified your organization about this issue and now formally demand the immediate blocking and removal of these accounts from my report. Their presence has caused considerable emotional and financial strain by misrepresenting my credit history and obligations. If not properly addressed, I am ready to pursue legal action to defend my rights and seek resolution. These fraudulent entries have impeded my ability to achieve crucial financial objectives, including purchasing a home and providing for my family 's needs.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Social Security Number XXXXXXXX XXXX XXXX  Case number XXXX Date XX/XX/2023 To Whom It May Concern I have Disputed with you and response you verified the item as accurate stating that you have verified the information with the courts, and their response is enclosed. It is clear they do not report to you or any credit Bureaus for that matter, therefore your initial response verifying the item with the courts was either an error or a lie either way the reporting requirements do not comply with the F.C.R.A 611 ( 15 U.S.C. 1681I ) and the information must be deleted Immediately.
Product: Credit card or prepaid card

https : //www.us.hsbc.com/content/dam/hsbc/us/docs/pdf/Advance-Checking-Account-Offer-HSBC-.pdf Open your new HSBC Advance checking account online by XX/XX/2018 and ; - I HAVE OPENED MY ACCOUNT ON XX/XX/2018 Deposit a minimum Qualifying Balance of {$10000.00} or more in New Money in combined checking and savings accounts within 30 calendar days of account opening ; and - I HAVE DEPOSITED ATLEAST {$10000.00} WITHIN THE 30 DAYS OF ACCOUNT OPENING AND THE MONEY IS STILL THERE UP UNTIL TODAY. 

Maintain at least the minimum Qualifying Balance for 90 calendar days from the date you deposited the minimum Qualifying Balance. - QUALIFYING BALANCE IS STILL ON THE ACCOUNT FOR MORE THAN 90 CALENDAR DAYS. WHICH IS NOW ATLEAST 8 MONTHS. 

I HAVE ASKED OVER THE PHONE FOR THIS ISSUE BUT THEY COULDN'T GIVE ME AN EXACT ANSWER BESIDES THE WORD - DENIED BUT NO EXPLANATION ON WHY. 

I HAVE SENT SECURED MESSAGES THROUGH THE ONLINE ACCOUNT BUT STILL NO LUCK. THIS IS THE LAST CONVERSATION AND THEY NEVER SENT ME ANY LETTER OR EXPLANATION - " Please be informed as per the investigation done by our Marketing and Campaign Team, your account is not qualified for the promotional offer. Base on your previous BankMail communication, your concern has been forwarded your request for the approval to Network Head through Area Manager. Once we receive an approval we will inform you via BankMail. "
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 7 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 if the person knows or has a reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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

On XXXX of 2023 I noticed on my credit report that there are inaccurate information reported such as credit card accounts opened in my name without my permission
Product: Bank account or service

I 've been trying to close this checking account for XXXX months. The balance is only {$8.00}, but they have ignored all of my requests to close the account and send me the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is with the firm handling the Equifax breach settlement. My wife handled freezing our credit reports at XXXX and XXXX after the breach and learning on the Equifax site that both of our personal data may have been stolen. ( My wife 's definitely was. ) In XX/XX/2022. THREE YEARS LATER, the settlement firm requested additional info supporting my claim for the {$20.00} we paid to place freezes at XXXX and XXXX. We submitted all the info but they denied {$10.00} because our submission was deemed deficient. I am uploading, now, what we sent them as documentation and my accompanying letter. Our credit card statements showing the charges for the freezes should be sufficient. Thank you for forcing them to be reasonable.
Product: Mortgage

I closed my home refinance on XX/XX/2019. At that time I was told my old mortgage would be paid off by a wire transfer and my " cash out funds '' would arrive via an overnight delivery in the form of a check. 
I was also told and signed documents on the XX/XX/19 that stated my next mortgage payment would be XX/XX/2019 and not to pay the XX/XX/2019 mortgage payment because the final pay-off amount had been determined by the lender and my existing mortgage would be paid in full based on the payoff amount at the time of closing. All documents said the payoff would occur within 5 business days of the closing after the right to rescind had passed ( in Indiana it is 3 business days. ) It is now XX/XX/19 and the loan funds have not been disbursed. I have received payment information regarding my new mortgage telling me when my new payment is due but the old mortgage is still not paid and now has a late fee due. The lender, LoanDepot will not return my phone calls or messages and will not tell me when the funds will disburse as promised. I am currently carrying 2 mortgages on my home and I can not get an answer regarding why the funds have not been disbursed or why my existing mortgage has not been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with my information on my file. I have several address that I never lived at on my credit report. My current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. 
Please delete the following addresses the are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX   XXXX  XXXX, OH XXXX I have a unverified account the I never done business with XXXX  XXXX # XXXX or XXXX/XXXX XXXX # XXXX.
Product: Mortgage

In XXXX of 2022, I received a letter confirming my approval for a COVID-19 Combination Partial Claim and Loan Modification, along with a packet of documents that needed to be signed, dated, and returned ( please see attached ). However, XXXX of the co-borrowers on the original loan had died and needed to be removed from the COVID-19 Combination Partial Claim and Loan documents before they could be signed, dated, and returned. After notifying Assurance of the co-borrowers death, they instructed me to email his death certificate along with the Deed of Recording for the property to loss mitigation. I was also instructed to start making the Modified Monthly Mortgage payment that was stated in XXXX letter ( {$1300.00} ) while I waited for the corrected documents to be drafted for me to sign. It was conveyed to me that unless I could not afford the new modified monthly mortgage payment, the amount would not change on the corrected documents. 

In XXXX of 2022, I received a letter stating that I had advised Assurance that I was ready to resume making regular mortgage payments. This letter was only accompanied by copies of the Subordinate Note and Mortgage or Deed of Trust forms that still had the deceased listed as a co-borrower ( see attached ). After receiving this letter, I contacted Assurance to notify them of the following : XXXX ) The letters opening statement was incorrect. I did not advise Assurance that I was ready to resume making regular mortgage payments. I did however notify Assurance before the end of my loans COVID-19 Forbearance period that due to a reduction in my income, I would NOT be able to resume making regular mortgage payments. This was why I requested and was approved for a COVID-19 Combo Partial Claim Loan Modification. 
XXXX ) I received the wrong packet. It did not contain a COVID-19 Combo Partial Claim Loan Modification. It only contained a Subordinate Note and Mortgage or Deed of Trust forms to sign, date, and return. 
XXXX ) The Subordinate Note and Mortgage or Deed of Trust forms I received still had the deceased co-borrower listed on the loan. 

Assurance responded by stating that new documents would need to be re-drafted with the above stated corrections and this would take approximately XXXX months. However, I never received any new documents. Instead, I received notice in XXXX that my home was in default and is now currently on the verge of foreclosure. Please advise as soon as possible on any next steps I can take at this juncture to save my home.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I discovered that SALLIE MAE was reporting inaccurate information on my credit report. Despite attempts to resolve this issue directly with SALLIE MAE, inaccurate information continues to be reported on my credit file and remains uncorrected, which is detrimental, and adversely affects my creditworthiness. 


I contacted SALLIE MAE on XX/XX/XXXX, and again on XX/XX/XXXX, regarding the continued reporting of inaccurate information on my credit report. Consequently, SALLIE MAE continues to report inaccurate information and continues to fail to conduct a proper investigation as requested henceforth, rejecting the removal of the inaccurate record from my credit report.
Product: Credit reporting or other personal consumer reports

Transunion | We have enclosed the XXXX XXXX outlining the specific details of our dispute. We hereby notify our intent to formally demand that XXXX assume responsibility for covering the arbitration costs as required, prior to proceeding with the filing of this case with the XXXX XXXX XXXX ( XXXX ). 
To avoid arbitration, please address this matter promptly and confirm your compliance in writing. 

15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

REMOVAL OF ALL LATE PAYMENTS IMMEDIATELY - UPDATE ACCOUNT " PAID AS AGREED " Account : XXXX XXXX Account XXXX Pursuant to 15 U.S. Code 1681n and 15 U.S. Code 1681o, this correspondence serves as formal notice that your continued failure to address and resolve the inaccuracies in my consumer report constitutes willful noncompliance and negligence under the Fair Credit Reporting Act ( FCRA ). Your obligations under federal law require the maintenance of accurate and complete consumer files, and your failure to take corrective action after being notified of this matter underscores a disregard for your legal responsibilities. Enclosed, please find an arbitration form that I am prepared to submit should this matter remain unresolved. I urge you to rectify this issue promptly to avoid further legal action necessary to enforce my rights under the FCRA. 

XXXX XXXX Account XXXX and alleged to be Closed Alleged is reported in deficiency of reporting mandates and or necessary formalities therefore the sophism must be eradicated as is my legitimately requested resolution, please do so HERE AND NOW! It is ILLEGAL to retain or report misleading or unproven info, especially considering a composed consumer complaint notifying you of said issues so please DELETE the aforementioned illegally divulged allegation ( XXXX ) here and now. ALL claims, appropriate or not, must be apodictic to be currently and fully bona fide, CORRECT, COMPLETE, TIMELY, of principal OWNERSHIP, of principal RESPONSIBILITY. Applicable reporting laws and requisite standards, which is currently the XXXX, FCRA, FDCPA, XXXX XXXX COMPLIANCE STANDARDS and others. document laws and needed reporting standards, you or any entity are in infringement of XXXX XXXX rights. Should you continue to cling to and/or report any chicanery based subterfuge even upon my declaration of a composed consumer complaint, therefore, eradicate immediately and in entirety any and all allegations which are not demonstrated in clarity to be authoritative, correct, complete, timely, or else wise fully compliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed a few accounts on my credit I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX, XXXX and Equifax after I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an account on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that this account Lates payment will be removed. 
XXXX XXXX Balance : {$7400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an email that said my credit score has changed so I looked at it, as usual, and my score has gone down XXXX points for no good reason. There is nothing in collection and no hard inquires, I would love to know why my credit score keeps going down 20+ points with nothing negative showing up to make that happen when it takes MONTHS just to have a few good points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX To Whom It May Concern, XXXX, XXXX  and Transunion are reporting inaccurate information on my credit file. They have failed to investigate and verify that these items are reporting correctly. Their action has hurt my ability to obtain new credit and this is very troublesome to me. I have been disputing with them since XX/XX/XXXX last year and they still have not corrected the errors and this is a direct violation of my rights under the FCRA! I have documented each letter that I sent to them and their responses that I can use in my defense. I am asking that the said accounts below be removed from my file immediately! 
Accounts Account Name : XXXX XXXX Reporting on XXXX and XXXX 1. Open date of XX/XX/XXXX is incorrect. 
2. Past Due Amount of {$720.00} is incorrect Account Name : XXXX   XXXX  XXXX XXXX XXXX  XXXX Reporting on XXXX, XXXX, and Transunion 1. Two different account names : XXXX  and XXXX  2. Account Status : 2 states Closed and 1 state open 3. 2 Different Open dates : XX/XX/XXXX and XX/XX/XXXX 4. Balance of {$100.00} incorrect Account Name : XXXX XXXX XXXX Reporting on XXXX, XXXX, and Transunion 1. Account Status : 2 states Closed and 1 state open 2. 2 Different Open dates : XX/XX/XXXX and XX/XX/XXXX 3. Balance of {$1200.00} incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

In   XXXX   I started receiving letters from the  XXXX  saying I owed them taxes for employees I had. I am a   XXXX   XXXX    XXXX  and have no employees. My old roommate was employed by  XXXX  and spoke to me about using their services if I expanded. She then used my name and a fake social security number to create a fake payroll account in order to meet a goal for a company funded vacation to  XXXX . I started having money taken from my bank account without any authorization and when I told her she assured me it was a mistake and would be fixed. I had to contact my bank in order to stop them from taking these funds. I thought it was resolved until I started to receive letters like the one I have attached showing I owed them {$4000.00}. They said they would withhold my next tax return if it was not paid, but then a few weeks later on  XX/XX/2015    they took {$1400.00} from my bank account. At this point I contacted them and  XXXX  and explained the situation I explained to you.  XXXX  was no help, besides firing this employee that committed fraud, and the  XXXX  eventually released the lien on  XX/XX/2015   . I have attached that proof as well. However, they would not provide any assistance to remove the lien from my credit history. It shows the lean was released, but it still shows up on my credit report, hindering me from being accept for any business or personal loans or credit. I disputed this Public record with all  XXXX  creditors and it is still on my credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I have not supplied proof under the doctrine of XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists.
Product: Checking or savings account

I opened a checking account in response to a promotional offer on XX/XX/XXXX. 

The prevailing Supplement to TD Bank 's Personal Deposit Account Agreement, dated XX/XX/XXXX, said " Checking offer is not available to existing TD Bank checking Customers or prior Customers who have had a TD Bank personal checking relationship within the preceding 12 months '' and explained the " Checking Offer '' as follows : " To qualify for the {$300.00} personal checking cash bonus : New personal checking Customers must open a TD Beyond Checking account and receive cumulative qualifying direct deposit funds of {$2500.00} or more into the new account within 60 calendar days of the account opening date. '' I had a checking account with TD Bank in the past, but that account was definitely closed before XX/XX/XXXX, so the Checking Offer was available to me as per the Supplement alluded to in the second sentence above. I opened the account and received cumulative direct deposit funds from my employer in the amount of {$3300.00} between XX/XX/XXXX and XX/XX/XXXX in three tranches - {$1100.00} on XX/XX/XXXX, {$1100.00} on XX/XX/XXXX, and {$1100.00} on XX/XX/XXXX. Note that XX/XX/XXXX is within 60 calendar days of XX/XX/XXXX. 

When I did not get the bonus after 140 days ( that was the waiting period, as disclosed by TD Bank at the time of account opening ), I sent a message on XX/XX/XXXX using the secure messaging system of the online banking portal. 

TD Bank responded on XX/XX/XXXX : " We have emailed the promotional offer review team. They have responded informing us that the account did not qualify for the promotional offer due to receiving a bonus on a previous account. Upon review, an account opened in XXXX received a {$200.00} bonus. '' I pointed out on XX/XX/XXXX : " The promotional offer stated 'Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months. ' Now your team is telling me that I am not eligible because I received a bonus on a previous account. Sounds like terms and conditions being changed after the fact. Looking forward to your response. '' The response came on XX/XX/XXXX : " Thank you for reaching back out to us. We apologize for any confusion. Customers can only ear a bonus for one checking and one savings account. Thank you for your time and be well! " Either the promotional offer was deliberately misinforming the customer or TD Bank wanted to rewrite their advertisement after the fact.
Product: Mortgage

Bank of America sold my loan back in XX/XX/XXXX without sending notification of new assignment. In XX/XX/XXXX it was discovered after receiving default notices from Bank of America mortgage servicer " XXXX XXXX XXXX '', that Bank of America Transferred and recorded all their interest in this loan to XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX  is name as the mortgage loan Servicer. 

XXXX XXXX XXXX  is a Debt collector acting in the capacity of a mortgage loan servicer without consent from XXXX XXXX, or XXXX XXXX XXXX XXXX. A ASSIGNMENT DEED OF TRUST of this transfer was recorded XXXX XXXX. 

A letter dated XXXX XXXX, was sent to XXXX XXXX XXXX explaining the transfer discover on the Deed of Trust. XXXX XXXX XXXX refused to answer or return funds they collected after transfer, and continues to act as if the transfer never existed. 
An audit was done on this account and it was discovered that XXXX  XXXX XXXX committed a felony act by creating a delinquency for the purpose to foreclose on my property. I will be discussing this issue with the United States Attorney General Office as soon as their services are return to normal.