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

I opened a Citi checking account on approximately XX/XX/XXXX. The checking account came with a promotion that I would earn a {$300.00} cash bonus if I met the following requirements ( terms attached ) : 1 ) Within thirty days of account opening : Make a qualifying deposit of {$15000.00} or more in new-to-Citibank funds into the new checking account, and maintain a minimum balance of {$15000.00} for sixty consecutive calendar days following the date the qualifying deposit was made.

2 ) Within sixty days after accounting opening : 1 qualifying Direct Deposit must post to the new checking account each month for two consecutive months after opening the new checking account. 

During the process of making my initial deposit of {$15000.00}, I contacted Citibank customer service to be provided the proper routing number for a bank-to-bank transfer because I couldn't find it online. I was provided one and used it for a funds transfer but the funds were never delivered. After realizing the transaction had failed I immediately called Citibank customer service again. Upon further inquiry it was determined that I was provided the wrong routing number. This call took place around the 30 day initial deposit requirement and so I was concerned my funds would not be deposited within the 30 day window. During this call I was provided the correct routing number and assured by the customer service representative that I'd remain eligible for the promotion, even if my initial deposit did not meet the 30 day window, due to the fact that I was provided the incorrect routing number causing my deposit to be delayed by many days. 

With the correct information I completed my initial deposit on XX/XX/XXXX and maintained that deposit until XX/XX/XXXX, which was greater than XXXX calendar days. I also had XXXX qualifying direct deposit post in XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). The attached statements document these transactions, which met the remaining requirements of the promotion. 

Around midXXXX I contacted Citibank to confirm that I had met the terms of the promotion and ask when I was to receive my promotion. During a series of calls and after an investigation it was determined that " my account does not qualify for this promotion because the required amount of deposit was not made within the stated timeframe ''. This conclusion was reached despite the fact that I was told by a Citibank customer service representative in XX/XX/XXXX that I would remain eligible for the promotion as a result of their mistake that resulted in my delayed initial deposit. This was also reached despite the fact that I continued to meet the remaining promotion requirements in good faith despite the error on Citibank 's part.
Product: Student loan

FedLoanServicing emailed me on XX/XX/XXXX that they were processing my application. On XX/XX/XXXX they left me an electronic message on their website that I was not eligible and to furnish requested information to reapply. I uploaded the requested information to their file via PDF format 2 business days ago and have not received any email at all confirming that they are processing the PDF file. So in other words, information requested was uploaded onto my account electronically and no message whatsoever that it was being looked at or responded to. I mailed a completed application today just to cover all bases but I am very concerned that FedLoanServicing is becoming grossly incompetent without any way to contact for any sort of a timely response. I have been with FedLoanServicing since XX/XX/XXXX, and they have never been so late with response. Prior to XX/XX/XXXX, FedLoanServicing service was fast, competent and complete. I am very concerned, and I have no way of knowing if or when my application or my information is being read or considered. There is no accountability, and the turn around response rate was never close to being this late. There is no one to call and ask, just random service reps who politely answer calls, assist as they can and patiently explain details. The customer service reps are the only line of communication until a written electronic response is finally made. It never took so long to receive a response to application from the processing dept. as it does now.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a serious matter regarding the handling of my credit report. I have experienced persistent issues with the presence of fraudulent items on my report, and despite multiple attempts to rectify the situation, these items have not been adequately addressed. I am deeply concerned about the impact this has on my creditworthiness and overall financial standing. 

I have attached supporting documentation, including police reports, affidavits of fraud, and any other relevant materials, to substantiate the fraudulent nature of these items. 

I kindly request that your agency conducts a thorough investigation into these matters and takes immediate action to remove the fraudulent items from my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to ensure the accuracy of the information they report, and the presence of fraudulent items is a direct violation of this regulation. 

I expect your agency to adhere to the necessary protocols and guidelines to address and rectify these issues promptly. Additionally, I request regular updates on the progress of the investigation and the actions taken to remove the fraudulent items. 

Please provide a written response within 30 days of receiving this complaint, as required by the FCRA, confirming the steps taken to address these issues and the results of the investigation. I am asking for your assistance to remove these fraudulent items in my credit file : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX AND XXXX XXXX XXXX MUST NOW SEND LETTER TO XXXX XXXX AND FURNISH DELETION LETTERS FROM THEM ALL JUDGEMNETS AND ACCCOUNTS ARE BARRED DUE TIME.
Product: Checking or savings account

On XX/XX/XXXX my XXXX yo son made a purchase at the local grocery store and withdrew money from the self serve check out. He missed place his card in between the store and home, only to discover that on Monday XX/XX/XXXX that a check for {$8700.00} was deposited by ATM with XXXX XXXX  into his checking account and several withdrawals of his own personal money from a second checking account was transferred in the initial checking account where the bogus check was deposited. We live in the state of GA and there's NOT a USAA branch in our state to make check deposits except by mobile banking. 
Because my son account in the past was a joint account underneath mine, he is now XXXX but his account as well as both my checking and saving account has been frozen. I have filed a police report with the local authorities and is waiting for the police report. But I have uploaded a copy of my case number from the police to my USAA profile. 
I have reached out to USAA on several attempts to get updates in the investigation only to be told that IF I pay the outstanding fee of {$260.00} for the overdraft on my son 's account of the return check ( bonus check ) that was deposited AND the charges from the transactions that my son made prior to the check being deposited, would then OUR accounts be accessible. 
Now, prior to the check being deposited into my son 's account, my son had funds well over {$800.00} in his accounts MONTHS ago, as well the recent deposit of his payroll check of {$230.00}. So had that bogus check NEVER been deposited into his account, ALL of his transactions would have been cleared. 
So I refuse THEN as I do NOW, to be STRONG ARMED into paying for a debt that HE/I owe to release our funds. WHEN DID WE BECAME A THIRD WORLD COUNTRY TO START USING THESE PRACTICES???? 
WE BOTH have financial obligations that requires the use of OUR FUNDS NOW!!!! So please help.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to I CSYSTEM about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX SC, XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting or other personal consumer reports

The information on my XXXX credit report was not accurate showing wrong name, address, and phone number.
Product: Credit card or prepaid card

On XX/XX/31 I was made aware that my checks from my bill pay service had the incorrect account number this was after I was paying the correct amount and sending to the creditor from my bill pay service. Before this letter arrived Comenity Bank the issuer of this card was charging me {$29.00} each month and I was unaware of these fees. I was charged a total of {$140.00} and they gave me credit for {$29.00} and they will not credit my account any further. I did not realize this error until 6 late payments were charged as the credit card company did not notify me of the problem. 

I have tried to call to resolve this issue, but the Account managers say they can do nothing even though they are aware that this was an error in entering the correct account number using my bill pay service, but the check was arriving before the due date. The current amount that is owed on the late fees is {$110.00} and I am asking for those fees to be reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, Living Person And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am telling you my hand on the XXXX that this is information will not be blocked in error. My FTC report and affidavit of truth attached are proof that nothing I have stated is false. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this complaint MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.
Product: Mortgage

I do not believe this company has standing. I have sent the following request to them : XXXX XXXX. XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX " Qualified Written Request ''. No answer XXXX XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX Dispute of Validation of Debt requiring answers XXXX XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX Request for original lender. Response received says who current lender is. Not what I asked. 

XXXX XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX Dispute of Validation of Debt requiring answers XXXX XXXX, XXXX Certified # XXXX XXXX XXXX XXXX XXXX I called Selene and verbally asked the questions that are on the letter. I was told to fax my questions to them. I did. I followed up with certified mail to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX-Initial Complaint regarding reporting to Equifax from XXXX. I called XXXX on Monday-XX/XX/XXXX and was informed they are a department of XXXX XXXX and to settle the dept I would have to contact firm utilized to settle dept XXXX XXXX XXXX-phone number XXXX, Paid settlement amount on Tuesday-XX/XX/XXXX in the XXXX with a debit card ; asked XXXX XXXX XXXX time frame for release of payment to XXXX ; was told it may be 30 days. I responded not possible the debit posted immediately. Called XXXX and spoke to Supervisor asked time frame they would receive information on payment ; would not give me a time frame and informed me they report to Equifax 1st or 2nd week of each Month. 

Problem : XXXX Representative did not have procedures as it relates to payment received from XXXX XXXX XXXX and no protocol as to when I should follow-up. The Supervisor was very evasive. There is no further need for and investigation ; there was untruth when XXXX  stated it sold the account to XXXX in XXXX ; XXXX is part of XXXX XXXX ; 3rd entity involved XXXX XXXX XXXX was told by XXXX any communication would come from XXXX XXXX XXXX letter of phone. Three different companies ; AND ... .It appears because I contacted you XXXX is punishing me by withholding report to Equifax . Looking to purchase condo this month. Equifax did give me back the 40 points taken when XXXX sowed up on report in XX/XX/XXXX. Spoke to Euaifax Representative told me to submit complaint would take 30 days ... ... This is unreal
Product: Credit card

Ensuring prompt payments has always been my priority with this account, never allowing any delays to occur. I'm puzzled by the presence of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance With The Fair Credit Reporting Act XXXX R A Rogers inc 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 written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain fraudulent accounts and inquiries from my credit file. I am a victim of a data breach, and the following items were added without my authorization. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), you are required to take action to block and remove these items promptly. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$600.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$1700.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXX : XXXX. XXXX - XX/XX/XXXX
Product: Debt collection

Back on XX/XX/18, I was contacted by XXXX XXXX XXXX XXXX  They called my cell phone a couple of times and left no voicemail. After finding out they were a debt collector, and due to the fact that I know that I don't owe anyone anything, I called them back to see what the problem was. They were looking for someone ( some XXXX ) who only shared a last name with me, and I had no idea who they were. They apologized and said they would take my number off of the list. 

This morning ( XX/XX/18 ) I received yet another phone call from them, same situation, I don't owe anyone a cent. I tried calling them back, twice, at ( XXXX ) XXXX to remind them what was discussed, and all I get is dead air. I'm sick of these people calling me over a complete stranger 's debt. This is ridiculous.
Product: Credit card

I had a Banana Republic Visa card through Synchrony Bank. In XXXX 2016, I had to cancel the card because Synchrony could not tell me how to stop the unauthorized auto payments that kept occurring. They told me I must have set up the auto pay through my bank which is impossible because I have never once use that feature for any online bill pay. When I cancelled the card, there was a little over {$60.00} credit that they were supposed to have refunded. I still have not received the refund. I opened another card in XX/XX/XXXX. Last weekend, I logged into my online account to make a payment on the new card and saw a balance due on the cancelled card of a little over {$70.00}. I called to find out how charges were posting in XX/XX/XXXX to a card cancelled in XX/XX/XXXX and no one could tell me. They said they would have to send it to their fraud department. Today, I received an email from Synchrony stating that the transaction being disputed was not found. I logged into the account and it is now showing an approximately {$42.00} credit. I called to inquire and still, no one can tell me what is going on. I am hoping that the CFPB can assist in getting this issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX  # XXXX, XXXX 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

Upon reviewing my credit reports, Sagestream is showing a Bankruptcy that was reported fraudulently on my credit reports ( XXXX, XXXX and XXXX ). Upon receiving a letter from the United States Bankruptcy Court, clearly stating that they do not provide any information to the credit bureaus, therefore, reporting this is from a third party intel, as well as without consent of the consumer making it fraudulent.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXwas never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

XXXX5 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.

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 seven 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year, XXXX XXXX accepted and deposited my XXXX mortgage payment on XX/XX/2023 ( XX/XX/23 ). They then reported that payment ( which was already withdrawn from my account by them ) as late because the escrow amount had gone up by {$67.00} between my XXXX statement and my XXXX statement. 

When I discovered the discrepancy, I immediately paid the remaining {$67.00}. That was on XX/XX/XXXX, only 28 days after my XXXX mortgage payment was due. 

XXXX XXXX  has marked my payment history with a " 30 days overdue '' remark, which is incorrect, because XXXX only has 28 days. However, they insist on reporting my payment as late because they follow a policy of payments being late because of the month, not the actual number of days ( XX/XX/2023/XX/XX/2023 ). 

My payment was not 30 days overdue and my credit report has an error on it due to how XXXX XXXX chooses to report. 

I can provide documents from my bank and from XXXX XXXX which show my timely payments. The property in question is : XXXX XXXX XXXX, XXXX, PA XXXX. 

I would like the late payment notification on my credit report to be removed immediately, as this is a dishonest and inaccurate portrayal of my payment history with XXXX XXXX and is adversely affecting my credit score. 

Please call me or email ( information below ) if you need any additional information to update and correct my credit history. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX # XXXX - Date XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date XX/XX/XXXX