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

I am referencing XXXX XXXX XXXX Select Credit Card by Citi and am a victim of " bait and switch ''. I called the credit card company which is run by Citibank and spoke with multiple people including supervisors and was told if approved I would get an immediate temporary credit card number so I could purchase my vacation and earn the mileage incentive that was offered in the promotion ( 30,000 miles if you spend {$1000.00} in the first 3 months ). 

If I was told I had to wait 7-10 buinsess days to receive the credit card to use it ; I would NOT have applied or taken out the credit card. To clarify I was worried that I would n't be able to use it immediatly so I called multiple times to verify this and was told MULTIPLE times that I would be given a temporary number to use immediatly if approved. 

After I was asured I would be given a temporary number ; I went to the XXXX XXXX website as instructed applied and was apporved. One approved there were several screens that indicated to click continue which I did assuming that it would give me the temporary credit card number. After I went through all the steps NO temporary number was given. I checked my email as I did receive an email stating I had been approved and it gave me my last 4 digits of my account but no temporary number. 

I was very upset because my fears were true ; bait and switch as expected. I assume that this has happened to others. I called several more times and was told that I would not be given a temporary number and I had to wait 7-10 business days to get the actual card to use it. I needed to book my trip today so  this was not helpful. 

To make sure I was n't crazy I called back and told them my situation I was wanting to book a trip today and saw the promotion and asked if I could get a number today to book my trip and the rep said no problem people do this all the time. Then I told them I had already applied and was not given a number and asked to speak to a supervisor. After a 45 minute wait I spoke to the supervisor and was told I had to wait 7-10 days. 

If you want to try this yourself call them at XXXX and ask them if they can give you a temporary number they will tell you yes. 

I am really upset as I know if i cancel this card it will effect my credit score in  addition this is a {$95.00} a year card. I suspect i will be charged the {$95.00} also. 

Do I have any legal recourse? 

Thanks you for your help.
Product: Debt collection

I am writing to formally state that the account in question is not mine and was created or accessed without my knowledge or consent. I believe that my personal information has been unlawfully used by an unknown individual ( XXXX ) to establish this account, which constitutes identity theft. 

I have never applied for, authorized, or managed this account in any capacity. Any activities, transactions, or communications associated with this account were not conducted by me and should not be attributed to me in any way. 
XXXX : {$4500.00} XXXX  {$860.00} I am actively taking steps to protect my identity and have reported this incident to the relevant authorities. I request that this matter be thoroughly investigated and that all fraudulent activities linked to this account be immediately halted.These accounts have been deleted from my transunion credit report. I recieved a letter from the comapnay stating they would delete the accounts from my credit reports. I have attached proof of the information and letter.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX  XXXX XXXX Balance Owed : {$870.00} XXXX XXXX XXXX Balance Owed : {$3200.00}
Product: Credit reporting or other personal consumer reports

As per 15 USC 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 USC 1640. Furthermore, they are at risk for each FDCPA infringement as per USC1692k. I'm requesting they eliminate the supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your " credit '' report is an infringement of 15 USC 16922b ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Credit card

I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation XXXX sent me a letter that said they were going to fix my lates b/c it was their fault not its 60 days destroy my credit
Product: Checking or savings account

I have submitted documents to chime 4 to five documents concerning XXXX XXXX sold me bad tickets, they did not sell me the correct tickets they took XXXX out my checking account for a show that had ended and closed. I had to repurchase tickets on XXXX XXXX because I was robbed of my monies. Chime bank took the side of the merchant which says chime is as guilty as them. Not acceptable
Product: Mortgage

In XXXX  I lost my job and requested numerous times that Wells Fargo Home Mortgage modify our payment due to my loss of income. They continued to report us behind and threatened foreclosure. Later after I regained employment, we submitted payments in full with proof from our bank that the payments were submitted and not returned. They claimed they never received them even though they accepted every prior electronic payment. Prior to this we had years of problems with them in applying payments and spending hours in the phone to get them applied correctly. We had to have consumer protection file against them and never got our $ returned and had to pay over XXXX  even though our bank verified transactions were completed. Since XXXX  when we refinanced we have had nothing but trouble with misapplied payments, lack of assisting with modification, and losing our in XXXX  which would have been more of the State of WV consumer protection would not have sent them proof of payments and yet we still had to pay an additional {$9000.00} as they magically found 3 payments after nearly a year. Since then, things have never applied correctly and we have kept all records and have yet to see these payments ever apply in full to principal, interest, or escrow. It continues to be a hassle and we should be much closer to paying off our home than their records reflect. Unemployment is stressful enough but their lack of assistance with our attempt to modify and their attempt to foreclose TWICE has been unbearable when we have always communicated with them and even had consumer protection try and assist us.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Experian credit report I have XXXXXXXX child support showing on my report and it is against the law. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I didnt give no permission for my social security number to be used and the date opened isnt correct. Child support is unconstitutional and it infringes on the right of familial association. The 14th Amendments 's Due Process Clause has a " substantive '' component. California, Assembly Bill 1058 ( AB 1058, Family Code section 17400 et. seq. ) is known as Title IV-D Tribunals. 


XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have a PayPal account and they received money into my account, which I have had for several years and placed a hold on the funds. Refusing to give me anything. Other than what I can withdrawal with my ATM card. I requested it be wired to my account and they declined. 
They send a withdrawal to my savings account ( unauthorized ) for over 6k. But continued to refuse to release the hold on my account. 
Violation of RegCC RegZ banking laws
Product: Checking or savings account

I been trying to use my account since September I can receive money thats all I cant withdraw or nothing else I have lost my car because I couldnt get my money
Product: Mortgage

Filed for forbearance back in early XXXX of this year due to COVID-19. Got approved for 6 months. Filed because I am a sole prop. and business had completely halted due to the SIP order by the state of CA. 

Many of my prospective clients either pulled their contracts OR we could not get to their construction due to the SIP order. Business took a big hit. 

Per my finance who holds my mortgage loan, my missed payments will not be reported to the credit bureaus but yet I see it on my report?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have addresses that I no longer live at and that I never lived at being reported and I also have incorrect spelling of my name being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have paid  MARY JANE M.ELLIOT P.C  the debt I own them, on   XX/XX/XXXX .    I paid them {$4000.00} We both agreed for this amount.   After I made the payment I called them and asked them if they received the money, they said everything is fine now and soon it will show on the credit report that you have paid the debt.   After a week I have received a letter from  the cou  rt, XX/XX/XXXX  d istrict court, it was a garnishment release.   I call again  MARY JANE M.ELLIOT P.C ab out this letter and they said it was about your debt which you have paid and you are ok now.   I had to check my credit on     XX/XX/XXXX  a nd I noticed that the debt which I paid t o MARY JANE   M.ELLIOT P.C w as showing as unpaid.   I c all MARY JANE M.ELLIOT P.C ab out this and they said, the court must have fixed your problem, we ca n't do anything about it.   I call the court at the same day, they said they have n't received a disatisfaction judgment from  MARY JANE M.ELLIOT P.C,  without it we ca n't help you.   I ca ll MARY JANE M.ELLIOT P.C, th ey said they sent it and they ca n't help me .. . ..I ca ll the  XXXX  district court again, they said, they never received it and without it, we ca n't clean your debt.   I have called them many times and they still keep saying me the same thing.     XX/XX/XXXX   Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I see that the accounts on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$230.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

For months Since XXXX so now 4 months I have been disputing these errors on my credit report however the companies reposes are nothing short of XXXX. I am requesting according to the laws on credit reporting that they prove validate and verify these findings yet they do not PROVE IT yet they say and claim they have been verified. At this point it is well passed them not proving these items are mine its a matter of them breaking the law and I ask if you can please help me. 

You will see in the letter where I call them out for breaking the law. 

This letter is in response to your recent claim regarding Acct # XXXX, which you claim I owe {$3600.00}. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.
Product: Credit card or prepaid card

Hello, My name is XXXX XXXX, On XX/XX/2021 I have contacted my credit Card Company Barclays Elite MasterCard in regards of XXXX XXXX XXXX XXXX. 
The response was clearly stated that I do have this benefit ( the response from credit card enclosed ). 
So based on the response, I applied and used this card to pay for the XXXX XXXX  applications. On XX/XX/XXXX I contacted bank to get an explanation why this benefit was not paid as promised. The service representative simply said that the initial response I got was a mistake, said sorry and hang up. I called several time on this day, spoken with the manager, however were no results. 
It seems they are practicing this scam to get customers to open the accounts but never committed the obligations. I believe this is a serious matter by misleading the customers to get the businesses, Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e 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. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordingt to Equifax, In XX/XX/XXXX, I closed my XXXX account with a XXXX  balance. In XXXX of XXXX XXXX has me making four payments on this. In XXXX they show me making 12 more payments. In XXXX they have me showing over 180 days late and then the account shows closed. How and why would I make payments on an account that was already closed?
Product: Mortgage

In XXXX this year ( 2016 ), my wife and I submitted our mortgage payment on time. With a 5 week month coming up, we wanted to stay ahead on our payment so we paid 1.5 times our mortgage payment. Later in the month, we received a check from PNC, with no explanation or reasoning for the check. Thinking it was because of an " overpayment '' we cashed the check. About a month later, since my wife runs a business, she checked her credit and found that her credit had dropped due to a " late '' payment reported from PNC. Come to find out, PNC made a mistake by mailing us this check, so after we cashed it, PNC reported it as a late payment on our end. After multiple phone calls into PNC, they admitted it was their fault, that they should not have sent out the check to us, and that we just needed to write a letter explaining the situation to them and that PNC would decide if they were going to remove the late fee or not. My wife submitted the letter to them, no response. Come XXXX XXXX, 2016, my wife and I are trying to apply for a new home loan to move into a new house and sell our existing XXXX. After running a credit report, our lender found that the " late payment '' was still showing up. We contacted PNC, they stated they had mailed us a letter stating they only had to report " accurate '' information and they were not going to remove this from our credit report. I want to know how they have to report " accurate '' information, but they do n't report that this was their fault, which is clearly is and they admitted it was their fault. I was PNC to work to get this removed from our credit, as it is hindering my wife 's business and hindering my family by not allowing us to get a new loan for a new home. Researching online this is a very common issue with PNC and I feel it is not fair, accurate or ethical to ruin people 's credit because they are sending customers checks that they should not be sending out. This is a terrible business practice, PNC I feel is unethical in this regards. I have been current on my mortgage for over 3 years, I make a payment for MORE than my mortgage, and no my wife 's and my credit gets hit hard. Even when calling PNC prior to them stating this as a " late fee '' PNC representative told my wife that everything was current and up to date. If they would have mentioned anything about this, we could have easily corrected it at the time and our credit would not have taken a hit. I think PNC should work to correct their own mistake and remove this false " late payment '' hit from my wife 's and my credit immediately.
Product: Debt collection

Date of Incident : XX/XX/year> Company Involved : Curacao Balance in Dispute : {$4000.00} Charged-Off Amount : {$1700.00} I am filing this complaint regarding an issue with my account balance and credit reporting with Curacao. As of XX/XX/year>, my account reflects a balance of {$4000.00}, with {$1700.00} listed as a charge-off. I believe there are errors in the handling of my account, and I am disputing these amounts.
Product: Mortgage

This correspondence is an addendum to the previous complaint that I filed against Wells Fargo Home Mortgage. I received an inaccurate response from Wells Fargo in reference to the payoff quote request that was sent via email to their attorney AKA XXXX XXXX XXXX, # XXXX from XXXX XXXX. Attorney XXXX XXXX XXXX has fabricated his response once again, denying that he received the correspondence, which exhibits his lack of integrity, and is indicative of him being extremely corrupt. I have attached the form below that was directly sent to XXXX XXXX XXXX, explicitly requesting a payoff quote from Wells Fargo in order for XXXX XXXX to completely assume the mortgage loan.
Product: Mortgage

I cosigned my brother in law 's home loan in early 2007. later that same year, on XXXX 2007, he refinanced the loan with Bank of America in order to remove my name from his mortgage. He Signed and Closed the Loan, as sole borrower, on XXXX XXXX, 2007. when this new refinance Loan was " filed '' with the County Clerk XXXX XXXX XXXX XXXX, A different loan closing document was used. this different document had my name added and my signature forged. furthermore, a notary falsely stated that " i appeared before her '' to sign said document. what is even more troubling is that the pen inked handwriting and signature matches the notary or whoever created the forged document. The very reason for the refinance loan was to remove me as a borrower. this type of blatant forgery and falsification is unacceptable from any financial entity, let alone a XXXX Bank. The only way i found this out was because my brother in law is losing the property on foreclosure, and i now have lawyers serving me court papers as if i am still involved in said loan/property.
Product: Checking or savings account

I signed up for a checking account with a promotional offer with BMO Bank. The promotional website stated that if I call and speak with a banker by XX/XX/XXXX, I was eligible for a {$100.00} gift card. I called on XX/XX/XXXX. I was hung up on the first call when I was told I would be conned to a banker. I called back and was told I was going to be connected to a banker and was on hold then placed back to the start menu where you first call and have to get to the correct department. The customer service agents did not know about the promotion or how to get me to a banker. I had to wait a total of almost an hour and finally after being told I would be connected to a banker the third time and was sent back to the start menu I hung up. I sent a letter in the mail to their complaint office still no response. I also wrote a direct message on the account a couple days later and they claim they couldn't give me the offer becasue it was after XX/XX/XXXX. They never acknowledge they hug up on me 3 times on XX/XX/XXXX when I called for the promotional offer. They say the calls are recorded so they wont acknowledge they hung up on me 3 times. There are other people who attempted to get the same bonus and customer service didn't know how to give the promotion and kept returning them to the start menu after promising they would connect them to a banker. This is false advertising. I would like the gift card or a credit to my account because that was the promotion they posted on their website.