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

Previous CFPB Complaint # : XXXX - I spoke with the agent on the telephone on XX/XX/XXXX when I was told I should have the {$300.00} cash bonus - Agent confirmed all requirements for the {$300.00} cash bonus for a new XXXX account with XXXX ACH deposits totaling {$1500.00} were completed successfully. 
- That same agent apologized for the delay, and promised and ensured me it would appear in the account on XX/XX/XXXX. The call was recorded and there is proof of the agent saying this multiple times. I repeated the question for confirmation and the agent confirmed the funds would be deposited to my aocunt on XX/XX/XXXX - Agent asked that if I don ; t see the funds I can call customer service and they will deposit them - She apologized over and over, again the call is recorded for proof - I just got off the phone with a customer service agent who had to escalate this case to their supervisor - Citi is trying to say there needs to be a {$1500.00} balance kept on the account in first 90 days. This is false, the terms clearly state that XXXX deposits totaling to {$1500.00} need to be made. No where on the offer does it mention anything about {$1500.00} in the account- Please see below response from Citi on my original complaint : XXXX " Pursuant to the attached terms and conditions of the offer in question, XXXX, to earn the {$300.00} cash bonus, the requirement was to open a consumer checking account between XX/XX/2024, and XX/XX/2024. Within 90 days of account opening, you would need to have completed XXXX qualifying Enhanced Direct Deposits totaling {$1500.00}. Qualifying Enhanced Direct Deposit is an electronic deposit through the XXXX XXXX XXXX XXXX XXXX XXXX XXXX of payroll, pension, social security, government benefits and other payments. 
Additionally, your checking account must remain open and in good standing from the time it is opened until the cash bonus is paid. Please be advised your account must keep a balance because an account that maintains a XXXX balance for XXXX calendar days are subject to closure at Citibanks sole discretion. After all the offer requirements are completed, the cash bonus will be credited to your account within XXXX calendar days. 
In our review, we determined the account was opened on XX/XX/2024, and there were XXXX XXXX credits totaling {$1500.00} posting on XX/XX/2024. The cash bonus was not received yet because there is a XXXX time period to complete the required ACH activity and maintain a balance. The promotional cash bonus payment will be paid within XXXX calendar days after that time period. '' - Again, no where does it mention a $ amount. It clearly states that the account must be in good standing and not with a XXXX balance - My account is in good standing and not with a XXXX balance - I am owed {$300.00} for this offer Additionally, multiple agents confirmed on a recorded line that I have satisfied all requirements. They also confirmed I needed to have an open account, not {$1500.00} Please give me the reward, thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX  XXXX XXXX and XXXX ( Original Creditor : XXXX XXXX  ) XXXX. Please remove these accounts ASAP.
Product: Checking or savings account

- A check book was sent to me from Discover- The checks were stolen from my mailbox before I received them- Somebody wrote a check to themselves using my checks for {$8900.00} - I only had ~ {$8500.00} in my checking account- Discover allowed this stolen check to be cashed despite the fact that my checking account had insufficient funds. Discover did not alert me prior to processing the transaction even though the amount was large, the signature could not have matched my signature, and it has been years since I used a check ( red flag ). 

- Discover charged me the difference between the amount of the check and the amount that I had in my checking account ( ~ {$350.00} ) in order to cover the insufficient funds- Discover has passed me around their customer service team for two days without any meaningful progress- Discover has been unwilling to apply a good-faith credit to my account for the {$8900.00} that was stolen while their investigation occurs
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday, my wife and I submitted an application for a HELOC with a known and trusted bank with whom we are already doing business. Today, I received an unsolicited text message on my phone, addressing my wife by name, from someone named " XXXX '' at " XXXX XXXX. '' The text says in part, " I'm reaching out as we were notified by XXXX, XXXX and Experian of your recent credit inquiry for a mortgage product, '' and going on to offer a competing loan product. This is either an extraordinary coincidence, or one or more of the credit bureaus have shared confidential information, including our name, phone number, and the fact that we've applied for a mortgage product, without our consent. I have attached a copy of the text message, which includes an NMLS number.
Product: Credit card

We received email from Lowe 's with attached invoices that are fraudulent. Under acct. ending XXXX, Invoice # XXXX, XXXX XX/XX/year> for {$360.00} and invoice # XXXX dated XX/XX/year> for {$330.00}. They are from Lowe 's in XXXXXXXX XXXX. We reside in XXXXXXXX XXXX. Our daughter is listed as the buyer but did not make any changes to this account. She's also in XXXXXXXX XXXX. What do we do? 
Attached invoices
Product: Debt collection

Today, XX/XX/2021, I received a text from XXXX that said it was from State Collection Service. They claimed to be a debt collection service and asked me to click on a link to receive information about the debt. It looks like a scam.
Product: Debt collection

Harris and Harris first called me on my cellphone in XXXX saying I owe a non-existent debt for aggravated assault in XXXX XXXX, XXXX, TN for the amount of {$230.00}. They gave me a false court case number and wouldn't give me further information. 
Today, XX/XX/year>, I received two text messages from Harris and Harris saying I owe this debt. 
I called the XXXX XXXX clerk 's office and was told this was a scam as there was no court case. The office also told me they had received multiple calls today from people getting these calls and texts from this same company. 
They are harassing me and I want this to stop.
Product: Checking or savings account

XX/XX/XXXX - overdraft fee {$29.00} XX/XX/XXXX and XXXX, XXXX overdraft fee total {$58.00} XX/XX/XXXX overdraft fee total {$58.00} XX/XX/XXXX overdraft fee total {$87.00} XX/XX/XXXX overdraft fee {$29.00} XX/XX/XXXX overdraft fee {$29.00}
Product: Vehicle loan or lease

On XXXX XXXX I went to Carmax to purchase another vehicle. I had just paid off a car through Carmax in full on XXXX and they denied my credit for another vehicle after being in good standing with them and sent a refund check. Carmax denied credit as well. 

Then they shared my request for credit with other financial services without my authorization. We viewed and were given options to choose car loan services with and on the computer a request with XXXX XXXX  who never repsonded while we were sitting there at the dealership. However, XXXX responded and XXXX XXXX  responded. I selected and recieved financing on the spot at the dealership with XXXX XXXX. 

Now I am recieving unauthorized credit denials in the mail from XXXX XXXX XXXX, XXXX, and XXXX XXXX. All dated in XXXX dates until XXXX. They have exrended open credit unauthoirized. 

None of this information was diclosed with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I disputed the following information with XXXX, XXXX, & Transunion and they have yet to respond in the time allowed by the FCRA.Transunion, XXXX, & XXXX are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately. 

XXXX Negative Accounts : XXXX XXXX US BANKRUPTCY XXXX US BANKRUPTCY XXXX XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX TRANSUNION NEGATIVE ACCOUNTS : XXXX XXXX  ( CAR ) US BANKRUPTCY XXXX US BANKRUPTCY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CHARGES TO MY ACCOUNT HAVE OVER 30 90 MINUTE CAPTIONING TRANSCRIPTS OF TELEPHONIC COMMUNICATIONS WITH XXXX  XXXX XXXX I ( HEREIN AFTER AS " BOA '' IN REPORTING FALSE NARRATIVE INVOLVING TWO ( 2 ) ENTITIES # 1 ENTITY : INTEGRITY XXXX XXXX XXXX REPAIR ( AKA XXXX AUTO REPAIR ) DUE TO THE FAILURE OF " BOA '' THIS REPAIR SHOP CRIMINALLY SCAM ME OUT OF THOUSANDS IN " CLAIMED '' AUTO REPAIR -MUCH OF THAT WAS NEVER DONE BOTTOM LINE " BOA '' DID NOT WITH THERE 14 CASE NUMBER ( FILES ) MR. XXXX ULTIMATELY AFTER 3.3 YEARS OF LITIGATION HAS AN 8.2 JUDGMENT AGAINST SAID ENTITY.

ALL CHARGES TO THE ACCOUNT SHOULD BE DELETED TO INCLUDE INTEREST.

ENTITY TWO : XXXX XXXX ( CAR ) CAR WAS IN AN ACCIDENT WHILE WAITING FOR THEIR LOT TO OPEN -LESS THEN A BLOCK FROM THEIR LOCATION AND COULD HAVE BEEN IMMEDIATELY CLAIMED BUT DOLLAR THOUGH ADVISED DAILY TOOK 3 DAYS TO RECOVER CAR. DOLLAR HAD IMMEDIATE ACCESS LITIGATION WAS FILED & THEY FILED BANRUPTCY THAT DERAILED TRIAL. 
" BOA ' ALLOWED DOLLAR TO CHARGE {$350.00} TO CREDIT CARD FOR 1 DAY RENTAL. THERE IS NO ENTITLEMENT FOR 3 DAYS
Product: Money transfer, virtual currency, or money service

I tried to send {$200.00} to a friend in XXXX via XXXX XXXX transfer through Worldremit on XX/XX/2022 It turns out there's a daily limit of {$100.00} so the transaction was frozen. I searched for a refund button on the Worldremit website but was unable to find one. I called Worldremit about the problem with transaction # XXXX. They quickly found the transaction and said they'd work on it. On XX/XX/2022 I received an email from Worldremit saying, in this case the recall was unsuccessful, and nothing further could be done with an apology for any inconvenience. My complaint is what happened to the {$200.00}?
Product: Debt collection

Proof of when car was sold, Bill of sale, or contract. I send in my information along with police report several times .Also Amend Section 604 ( c ) of the FCRA to address the treatment of pre-screening report requests. Section 604 ( c ) governs the furnishing of reports in connection with credit or insurance transactions that are not initiated by the consumer. However I did reach out to the DMV to file a report due to the inaccurate information on my XXXX credit file Also Office of the Attorney General office due to the discrepancies due to Bridge Crest. Please cease and desist all calls and contact with me immediately to stop the harassment, accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ),
Product: Bank account or service

I filed a dispute on a transaction that occurred in my Chase premiere checking account. The Chase dispute department handled my dispute by crediting my account {$130.00} in provisional credits. The Chase dispute department informed me that my military service allows the 120 day window to be extended to one year. They offered to refund all fees that were charged regarding this transaction as a curtesy. Later, I was informed by the Chase executive office that they would be charging back all fees that were waived as a courtesy. In other words taking back what was promised. I was told the reasoning was Chase did internal research that I was not actively in the military the past year. However, XX/XX/2016, when I opened this account, I provided documentation showing my military service so I could open a preimiere checking account. I had to validate my service to open the account, right? Also, I did not authorize Chase to do any personal background research on myself. I signed nothing nor agreed to that. Additionally, what resources did Chase use in their background research? Obviously their resources are not valid unless Chase banks claims Are a complete lie.
Product: Debt collection

Account info Account name NATIONAL CREDIT ADJUSTERS , L.L.C Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$670.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$670.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$670.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX I do now know this account and am formally requesting the original signed contracts between myself and the company showing that I am liable for the debt on this account or that it be immediately and permanently removed from my credit report.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Balance XXXX {$1300.00} XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Date XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations XXXX XXXX XXXX XXXX XXXX I don't have exact dates because they have blocked me out of my account completely leaving me frustrated
Product: Credit reporting, credit repair services, or other personal consumer reports

I was exposed in a mass data breach and then my car was broken into and someone stole my id and ss card and used it to open up accounts in my name. I submitted a police report and sent it in several times. I have taken all the appropriate steps now this a an office notice OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

I been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 
I am a litigious consumer Meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Product: Credit card

My XXXX XXXX XXXX child obtained a credit card without my consent
Product: Debt collection

I received a call from a " XXXX '' XXXX from XXXX & XXXX which left a voicemail which all my personal information and called family members to harass them about my debt and threaten to sue me. " XXXX '' XXXX represented himself as a paralegal that that he was calling from a law office which is misrepresentation and false. " XXXX '' XXXX was aggressive and threatening me about the debt owed. " XXXX '' XXXX claimed the debt was about {$1.00}, XXXX when the credit card was for {$500.00}. The location that was indicated on the agreement letter was XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ; Phone : XXXX ( XXXX ) XXXX-XXXX.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX XXXX, [ XXXX XXXX ],, are not complete and accurate.

I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX XXXX XXXX XXXX XXXXXXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Payday loan, title loan, or personal loan

Hi my old account number = XXXX on my checking, and savings account, on my old documents to now, I owe = XXXX, XXXX $ from XXXX XXXX XXXX, I had a Co, that did = Theft & Fraud, etc to a Loan, and try to submit a Fake SSI Check, in my name from another Theft < Fraud, type, = The Loan was for = XXXX , and the Fake SSI Check, was in XXXX $ amount second Crime, Theft & Fraud, I would like my Financial losses Legaly Reimbursed, $ $ in the Amount of = XXXX $ asap Please and have the Names and Numbers, etc Criminal Docs shown legal Docs to me? The Group Thefted and frauded my Phone and Email at House Big $ $ and Mail I, m sure?
Product: Credit reporting or other personal consumer reports

Reporting unknown and fraudulent accounts No proof of documents Florida Department XXXX XXXX reporting multiple times with different information XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have an issue with Experian properly investigating my dispute under the Fair Credit Reporting Act. Over the past year starting XX/XX/year>, I have submitted documentation on several occasions in regards to underlying account. My ability to obtain access to credit and employment has been tremendously affected. Experian has constantly ignored documentation/ evidence I submitted over the past year allowing previously deleted inaccuracies/misleading information to be reinserting into my credit report. The financial consequences of inaccurate information listed in my report has cause severe harm to my financial and personal well being. Every attempt to contact Experian via phone has been unsuccessful. Please assist me in regards to this matter.