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

Citi has failed to pay me my {$700.00} signup bonus for opening a Citi XXXX Account package ( checking and savings accounts ). I opened my account over the phone with a Citi rep and she assured me that I qualify for the promotion. 

I opened my account on XX/XX/21. The {$700.00} promotional bonus ( XXXX XXXX ) requires me to deposit {$50000.00} in " new funds '' into the account and hold it there for 60 days. The bonus will be paid within 90 days after the $ XXXX is in the account for 60 days. I deposited the $ XXXX into my account on XX/XX/21. If you add 150 days from this date, the last day that Citi should be paying me my bonus was on XX/XX/21. 

I filed a dispute and was given a Case ID ( CASE ID : XXXX ). Citi responded in early XXXX and asked me to provide a XXXX via mail. I mailed the XXXX and it has been delivered to the requested address by Citi. I am now still waiting for the promotional bonus, and Citi has been unhelpful. 

Citi has assured me that I have met all requirements and that I'm eligible for the bonus. I have followed all rules and Citi has failed to follow the rules outlined in their promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit inquires are unauthorized and need to be removed from my credit report immediately.
Product: Vehicle loan or lease

On XX/XX/XXXX, I contacted Musa Auto Finance to break the lease of a XXXX XXXX XXXX that was leased due to my then ex-wife and I moving to XXXX under her military orders. I spoke with XXXX XXXX as can be noted in the emails. She was going to check with the legal department and get back to me about coverage under the SCRA for spouses. She sent me paperwork but I did not sign the voluntary surrender agreement form to be held responsible for the balance as can be noted in the second email. XXXX XXXX was going to get back to me about coverage and if not, the vehicle would be returned to me and the lease to continue which was not a problem. Instead, after my return to XXXX to settle affairs, we made agreements for the vehicle to be picked up without the responsibility form being signed as the legal team was still " looking into it. '' On XX/XX/XXXX she contacted me saying they needed to pick up the vehicle and I asked them that if I could have the option of having the vehicle back if they found out I was not covered. She said yes and we scheduled pickup of the vehicle mind you as the last payment had been made on XX/XX/XXXX. XXXX XXXX- I called her and XXXX in XXXX and XXXX and they assured me the vehicle had been sold ( XXXX said XXXX, paperwork on their end says XXXX but the bill of Sale says XXXX ) and there was no balance. XX/XX/XXXX- They started sending balance delinquency paperwork and even reported collection on credit report. Had it disputed/removed. On XX/XX/XXXX, I contacted MUSA 's billing department and they stated there was a deficiency letter dated XX/XX/XXXX. In this email, they note their notes from XX/XX/XXXX to XX/XX/XXXX were of me being advised of not being covered under the SCRA but yet the bill of sale attached is dated for XX/XX/XXXX. That email, outlines the dates and facts I provided to them to have someone hirer up respond but never did. I have since then filed a XXXX complaint against the new company name of XXXX XXXX ( Case # XXXX ) in which they responded that the account had been sold to a collector, ( XXXX XXXX XXXX, XXXX XXXX, TX ) who I also opened a XXXX complaint ( Complaint ID # XXXX ) and they removed the account only to reinstate it after 2 weeks. Attached are the emails between myself and XXXX XXXX on behalf of Musa Auto finance, the call logs spanning from XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX  complaints including the responses from both companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

Just received a phone call from phone number XXXX which is recognized as National Credit Adjusters. 

I submitted numerous complaints via the cfpb online complaint submittal for acknowledgment of these harrasing calls to a place of business. This is my place of employment and we have a policy in place for no such calls to be verified or answered by creditors.
Product: Debt collection

On XX/XX/2018and XX/XX/2018, I began searching for mortgage lenders. At this point based on the info they gave me, I realized that my credit score had dropped by a huge amount since I last checked in XX/XX/2018. I pulled my credit report to determine what had happened and noticed a collections debt on there.

I was never informed of this collections debt at any point from either the medical company or the collections agency. I have already contacted the collections agency and paid the debt in full in return for it's removal from my credit report. However, I was not able to obtain written verification that this would happen. At this point I don't care that they didn't notify me about the debt or collections, I just want to make sure that it is deleted from my credit report in a timely manner.
Product: Debt collection

On XX/XX/XXXX, I mailed a letter to validate a collection that is being reported to the credit bureaus. The account was opened with Franklin Service Inc on XX/XX/XXXX, showing a balance of {$700.00}. Franklin Service Inc failed to respond to my validation letter with the requested information. The uploaded attachment is the mailed letter and correspondence from Franklin Service Inc.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the CFPB lawsuit highlighting sufficient issues with the platform. Despite using zelle numerous times and reporting discrepancies my financial institution and zelle failed to investigate my claims adequately. They informed that recovering those lost funds was impossible and that teaching those funds was unfeasible. The CFPBs findings indicate that zelle not only neglected consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. Their lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Debt collection

I received a letter from Commonwealth Financial Systems stating that I owed money to : XXXX XXXX XXXX Services in the amount of XXXX. The letter stated that they had purchased the account and if I considered the debt valid they requested payment. They further stated that if I failed to let them know in 30 days that I disputed the validity of the debt they would consider the debt valid. They also called to request payment and asked for last XXXX digits of my SSN. I told them I do not give out information on the phone. They have a spot on the letter for you to fill out your credit card information and offer XXXX automated payment. They push hard for payment and are hoping you just pay it right away without taking the time to research it. Obviously, XXXX XXXX XXXX is not a real company and the debt was not owed but they sure make you feel like it is.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Experian, TransUnion, and Equifax Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

[ Identify item ( XXXX ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

The following inquiries and accounts are unauthorized or inaccurate, and I ask that you delete at once... 

NOTE ... Inquires and accounts please delete ( Experian ) ( Transunion ) and ( Equifax ) please delete this account XXXX XXXX XXXX
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against ASSETCARE LLC for committing identity theft. I have never given ASSETCARE LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from ASSETCARE LLC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ASSETCARE LLC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ASSETCARE LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ASSETCARE LLC continues its collection efforts, I will file for litigation for actual damages caused and ASSETCARE LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit card or prepaid card

In XXXX XXXX, I had a business service agreement wthe an online company called " XXXX ''. For this service, I agreed tp pay {$59.00} a year which I paid the full amount using my American Express credit card. Shortly after I signed up for the service, I tried to reach XXXX several times in relation to the services they agreed to provide me. Each time I called the customer service line, I could n't go through. My problem was not addressed by the company at all. So, I cancilled the service. I did n't ask for a refund, but I absorb the lose. A year later, XXXX XXXX, XXXX, XXXX charged my American Express account {$59.00}. I disputed the charge stating happened and the credit card company ( American Express ) investigated the dispute and resolved the dispute crediting my account for the full amount. 

XXXX charged my American Express account for {$59.00} again. I filed a dispute stating the XXXX XXXX, XXXX email communication between the American Express and myself. They said they will investigat the dispute. On, XXXX XXXX, XXXX, the American Express resolved the dispute, credited my account for {$59.00}, and closed the case. 

Then, I saw the {$59.00} charge appeared on my account again. When I contacted them, they said that XXXX provided evidence showing the charge is legitimate and they paid the amount. The American Express does not have an answer why the charge is justifyed where there is no new agreement between XXXX and myself. The service agreement was cancilled three years ago, and the American Express credited my account for the same dispute and same amount a year ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

World Finance continues to verify inaccurate information on my credit report to various credit reporting agencies. Specifically XXXX, despite being sent notice under Section 609 of The Fair Credit Reporting Act which requires World Finance to remove or delete information if they fail to provide the authorization to pull credit and or contracts or agreements related to the debt. As of the submission of this complaint, World Finance although duly noticed more than 90 days ago has failed to provide the required information under Section 609 FCRA. World Finance is violating the FCRA by continuing to verify information being disputed as accurate yet failing to comply with Section 609 FCRA. The CFPB has shed numerous entities for these continued violations
Product: Credit reporting or other personal consumer reports

This is my eight endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX, XXXX XXXX XXXX Balance Owed : {$290.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Id like to make a complaint against Chase freedom who cancelled my credit card without any notification, however, there are some of the unrecognized charges which Im not aware of. I have been constantly asked to pay the bills of those unknown charges. I have sent Chase numerous letters but havent received any response. Im not sure if XXXX mails being affected by COVID-19 but Id appreciate if u could provide the following information : 1. Theres a charge of {$370.00} on XX/XX/XXXX. The merchandise is named as XXXX Vacation PKG. i wonder if my credit card was used accidentally since I sometimes use XXXX. But I never book a vacation package. 

2. Another charge of {$140.00} is showing on the date of XX/XX/XXXX. I do remember that I booked a XXXX XXXX ticket to XXXX on XX/XX/XXXX and did completed the travel. But it seems that my credit card was used again by XXXX XXXX. While I contacted the airline to make a complaint, I was told over the phone that I need to contact my bank and dispute the amount. I did try to follow their instructions but, like I said, I never heard from the bank. 

3. A {$5000.00} was charged on XX/XX/XXXX. The merchandise is named as XXXX XXXX XXXX XXXX XXXX. I fail to understand how was my credit card charged and why didnt I receive any email or text message to confirm such a big transaction. 

Id really appreciate if you look into this as Im unable to interact with Chase freedom. Also, instead of removing these charges, Chase Freedom is constantly adding late fee and interest charges on these fraudulent charges. 

Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. See the attached report for list of reported accounts. Please remove these violations from my credit profile.
Product: Checking or savings account

XXXX of XXXX i recvd a call from my then XXXX year old cousin. He said his parents had kicked him out. I drove 4 hours to pick him up. He turned XXXX on XX/XX/XXXX. I took care of his needs financially until he got a job in XXXX. He asked if i would finance a car for him. We bought an old, used truck, he said he wanted. I put lots of money into this vehicle over the time he drove it. He signed a contract to purchase the vehicle and agreed to pay me XXXX monthly. He also agreed once he was working to pay me XXXX a month for rent, utilities. Some of these payments he did by wire transfer from his account to mine. XXXX to XXXX i believe. He became angry that i wouldnt let him drink so he left, leaving the car. He went to the bank and committed fraud by disputing the wire transfers. They pulled XXXX dollars out of my account, unaware of a contract. I want the money put back into my account. We both bank at arrest bank and i was on his account. The bank now has a copy of my contract with XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Square deactivated my account without any explanation or communication, leaving me perplexed. I have had a flawless nine-month business relationship with Square, with XXXX complaints or chargebacks. In fact, I was so impressed with their service that I decided to open a Square checking account to further grow my business. However, during the approval process for the checking account, not only was my bank account deactivated, but my entire Square account as well. To make matters worse, Square is also holding my funds, exacerbating the issue. This abrupt and unexplained deactivation has left me in a challenging situation, and I'm in dire need of assistance. I firmly believe this is a mistake, and I am seeking a prompt resolution. I implore Square to respond with clarity and decency, as I have not violated any terms of service, and this issue needs to be resolved ASAP to allow my business to continue thriving. Please investigate this matter and help me reinstate my Square account and release the funds being held so that I can get back to building my business.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the XXXX XXXX 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX ( XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance.
Product: Debt collection

I did not open this debt and it does not belong to me. I never opened this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to remove these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently discovered multiple fraudulent accounts on my credit report that I never opened, authorized, or benefited from in any way. These accounts were created without my knowledge, and I have never received any services or goods related to these transactions. This has caused significant damage to my credit score, and its impacting my ability to access financial opportunities.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX To : XXXX XXXX TransUnion Subject : Request for Immediate Removal of Inaccurate Credit Reporting To Whom It May Concern, I am writing to address serious inaccuracies in my credit report related to the XXXX XXXX  account. Your failure to maintain accurate records is a violation of the Fair Credit Reporting Act ( FCRA ), and I demand the immediate removal of this account from my credit reports. 

Account Information : Account Name : XXXX XXXX  Account Number : XXXX ( last four digits ) Discrepancies : Date Opened : TransUnion : XX/XX/XXXX XXXX & XXXX : XX/XX/XXXX Inaccuracy : Violates FCRA 607 ( b ). 

Number of Months ( Terms ) : TransUnion & XXXX : 48 months XXXX : 0 months Inaccuracy : Violates FCRA 602 ( a ). 

Last Reported Date : TransUnion & XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Inaccuracy : Violates FCRA 609 ( e ). 

Date Last Active : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Inaccuracy : Violates FCRA 607 ( b ). 

Payment History : XXXX : Gaps in payment history violate FCRA 607 ( b ). 

Demand for Action : I expect the immediate removal of the XXXX XXXX  account from my credit reports. Attached is a copy of my credit report, highlighting these discrepancies. 

If these issues are not resolved promptly, I will consider legal action against all three bureaus, seeking {$1000.00} per violation of the FCRA. The case XXXX v. TransUnion, LLC serves as a precedent for my claims. 

I hope for a swift resolution to this matter. Please confirm the removal within 14 days. Failure to comply will leave me no choice but to escalate this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681c-2, my credit report lists hard inquiries I never approved. I request their immediate removal to rectify this issue.