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

I opened a checking account online at CititBank ( last 4 of account number are XXXX ) and deposited {$30000.00} on XX/XX/XXXX in order to earn a {$500.00} bonus. The flyer that was sent in the mail about the bonus stated Its simple to earn your cash bonus. Open a new Citi checking account between XXXX  and XX/XX/XXXX. Within 20 days of opening your account, deposit the required balance in new-to-Citibank funds into the new checking account. Maintain the required minimum balance for an additional 60 consecutive calendar days. I did all of those steps and maintained the required funds until XXXX which was 70 days, 10 days longer than the required 60 days. I was supposed to receive the {$500.00} bonus 30 days after meeting the requirements. When I didnt receive the bonus, I chatted online with CitiBank with XXXX. She told me that she agrees that I met the requirements but she would have to put in a request to find out why my bonus wasnt applied to my account and she would email me the findings. In the meantime, my husband was dealing with the same issue on the phone and found out there is actually a maintenance period of 20 days before the 60 days is counted. My husband and I both read the flyer multiple times and there was no mention of the maintenance period on the front of the flyer. There were no footnotes or asterisk or anything about a maintenance period. We finally found that information on the back of the flyer in tiny print. I obviously would have held my funds there the additional few days had I been aware of the maintenance period but that requirement was so hidden most normal people would not be aware of it. Even their own employees arent aware of the maintenance period when you talk to them. They could have easily mentioned the maintenance period on the front of the flyer under the 3 simple steps listed but they didnt. I think this is deceptive advertising and almost fraudulent. Because of their deception, they enticed me into providing them with {$30000.00} of my money for over 60 days with no interest. So not only did I not receive the {$500.00} bonus but I also lost the interest on the {$30000.00} that I could have kept in my interest bearing savings account earning over 4 % interest. If there is anything that can be done to either get the {$500.00} bonus or recoup my lost interest, I would greatly appreciate your help. I would also like CitiBank to be held accountable for misleading customers about the requirements necessary to earn bonuses. ALL requirements should be listed on the front of the flyer so customers know exactly what they have to do to earn the bonuses. Burying one of the requirements on the back of the flyer in tiny print should not be acceptable. Thank you.
Product: Credit reporting

I filed for bankruptcy in 2008 but it was denied, so essentially my financial status was never bankrupt. 

Please remove this from my credit history. 

Thanks
Product: Debt collection

I received repeated automated calls from XXXX, XXXX XXXX XXXX. I called this number back and tried to get more information about the " debt '' being collected. They refused to give me any information, unless I gave them information to confirm my identity. They would not even tell me what the debt was for. They claimed to have sent me information regarding the debt in the mail, but I never received this. They continue to send me robo calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 hard inquiries on my credit score ( XXXX ) which are the the following : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX, XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX, XXXX ( XX/XX/XXXX ) Capital One Bank USA, ( XX/XX/XXXX ) All they are is XXXX XXXX XXXX getting background information about getting service at my apartment and XXXX is for applying to a credit card which I use everyday! So, why hasn't all this been removed yet? 

These things haven't been removed and it's been over 5 years on most of these inquiries and I know for a fact that these usually have a limit of up 2 years. 

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

In accordance with the Fair Credit Reporting act XXXX  account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

There are four accounts on my credit report that are not mine XXXXXXXX XXXX XXXX  {$2000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXX XXXX - XXXX XXXX  {$420.00} XX/XX/XXXX XXXX {$370.00} XX/XX/XXXXXXXX XXXX {$370.00} XX/XX/XXXX
Product: Debt collection

I have never received a bill from this Agency. After receiving daily phone calls ( XXXX days a week once in while XXXX a day once in the a.m. and once in the afternoon ) and checking my credit report this Agency showed up in XX/XX/2021 backed dated to XX/XX/2021. I have also submitted in writing to all XXXX Credit Bureaus disputing this as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

You EXPERIAN are reporting inaccurate and incorrect information on my consumer report. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household uses. You and your inaccurate reporting has damaged my livelihood. I have already disputed the accuracy of my credit report with the other credit reporting agencies and deletions have been made on their end ( XXXX ) and your agency should have been notified of the deletions. According to 15USC 1681i ( a ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. The information you are furnishing is inaccurate and in accordance with the law needs to be deleted off of my consumer report.

15 USC 1681i ( 5 ) ( a ) states 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, 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. 
YOU HAVE NOW BEEN PUT ON NOTICE. 15 USC 1681n ( a ) states Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. Further furnishing of these disputed inaccuracies will put you in violation of 15 USC 1681n ( a )
Product: Student loan

I am part of the sweet vs cardonna lawsuit and borrow 's defence has been approved for me. I have been in forbearance for the last six years and my loans have been approved for refund and forbearance until the refund comes. As of XX/XX/23 my loans were put back into payment against the wishes of the Department of Education. When I contacted my servicer they said to contact the borrower 's defense hotline, which I did and they sent a confirmation to my servicer that I was suppose to be in forbearance and they were to discharge my loans. When I checked back with my servicer they still had my loans set up to resume payment as of XX/XX/23 and are refusing to put them in forbearance regardless of what the DOE letter states.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a detailed procedure of investigation from each of the major credit reporting agenciesXXXX XXXXXXXX, and TransUnionregarding their handling of my disputes concerning several inaccuracies on my credit report, as mandated by 15 U.S. Code 1681d of the Fair Credit Reporting Act ( FCRA ).
Product: Checking or savings account

At the end of XXXX or early XX/XX/XXXX Huntington National Bank made the decision to close my checking account. The reason why they made that decision has never been disclosed to me. As part of the account closure process, Huntington had cut off my access to online banking and deactivated my debit cards. Several weeks later I received a letter from Huntington informing me that my account was overdrawn. At some point after my access to my account had been revoked, a transaction posted to my account that resulted in it being overdrawn. That, in turn, resulted in Huntington charging me multiple overdraft fees. I called Huntington to explain that I should not have been charged those fees since I was not aware the account had been overdrawn and had no ability to bring the account back to a positive balance before the charges were imposed since my account access had been cut off. I was told not to worry about the charges since Huntington does not report accounts to XXXX nor refer accounts to collection agencies. Approximately a month later I received another letter from Huntington demanding payment for the overdrawn account that threatened to refer the account to a collection agency if I did not pay. I called Huntington again to try to resolve the issue and was told that the previous customer service representatives I spoke with gave me incorrect information and that I have to pay the balance owed. I have been going back and forth with Huntington about this issue since the beginning of the year with no resolution in sight. I received another letter from Huntington on XX/XX/XXXX that indicated the fees have no reached a total of {$200.00}. That entire amount is fees imposed by Huntington that I should not have been charged.
Product: Debt collection

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Checking or savings account

Two XXXX transactions posted to my checking account on XX/XX/23. Unauthorized my myself. Not a joint account. My house was broken into several times in the last month. Checks missing, cash, files etc. 

Called M & T immediately. They don't have a 24 fraud number as posted on their website. Finally got through next day. They refused to provide any information. Would not create a case number for fraud. Nor a provisional credit. My account is now overdrawn. Didn't receive and text messages alerting me of possible fraud. 
Was told I have to visit a branch. I'm in XXXX Florida. I'm also XXXX. The nearest branch is hours away. 
I'm looking for a resolution. I had them lock account and shut down debit card. 
Requesting an explanation of the debits, provisional credit and access to my online banking which they blocked. 
A case number should have been given to me the day I called and reported. 
I believe they were two checks. I had XXXX in my account. They should not have been cashed for two reasons. Unauthorized and insufficient funds to cover XXXX
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against Equifax for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies Equifax has not fulfilled it's legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. 1681i ( a ) ).
Product: Credit reporting or other personal consumer reports

I have reached out to all three credit bureaus about the inaccuracy of my report. I have two bankruptcy on my credit profile which is preventing me from obtaining XXXX  employment. Im XXXX. Trying to further my law enforcement career this has been damaging me for years. Ive sent letters to bankruptcy court and they stated they do not report my information to the three credit bureaus. I reached out to XXXX TransUnion and XXXX they have failed to remove the public record. But they constantly send stall letters after I have asked for a full investigation and removal.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY IS IN VIOLATION OF MY RIGHTS AS A CONSUMER. DURING THE INVESTIGATION OF A DISPUTED ITEM ON MY CREDIT REPORT IT IS THE DUTY OF THE COMPANY REPORTING THE POTENTIAL ERROR TO REMOVE THE IDENTIFIED DISPUTED ITEM UNTIL AN INVESTIGATION IS COMPLETE. I RECEIVED A CREDIT REPORT SHOWING THAT THIS IS NOT THE CASE AND THAT THIS ITEM IS CURRENTLY STILL BEING REPORTED. THIS VIOLATES MY RIGHTS. IN ADDITION TO THIS I DID NOT CONSENT TO BEING COMMUNICATED WITH VIA EMAIL OR TELEPHONE BUT THIS COMPANY HAS REPEATEDLY SENT ME EMAIL AND PHONE CORRESPONDENCES. I SPECIFICALLY STATE IN MY DEBT VALIDATION LETTER TO ONLY CONSENT TO BEING CONTACTED VIA MAIL. THERE HAVE BEEN SEVERAL VIOLATIONS ON THE PART OF THIS COMPANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my recent credit report, I noticed an inquiry from CIC CREDIT, XX/XX/2022, which I neither initiated nor authorized. I consider such unauthorized actions a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I hereby demand that you conduct a thorough investigation into this matter and subsequently provide me with all the requisite documentation proving that I authorized this inquiry. Failing which, I request that you immediately remove this inquiry from my credit report. 

If you do not comply with this request or if the investigation results are not to my satisfaction, I must inform you that I will be left with no other choice but to seek legal advice. I am prepared to exercise my legal rights under the FCRA to the fullest extent to protect my credit history. 

Please understand that my credit score is of paramount importance to me and I will not tolerate any unauthorized actions that may negatively impact it. I expect this issue to be resolved promptly and professionally. 

I appreciate your immediate attention to this matter and look forward to your response within 15 days, as is my right under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX account is being reported on my credit file on both Equifax and XXXX reports and XXXX has properly corrected the apparent mismatch with their verification process. I have tried many times to correct the mismatch names or anything that Equifax is using to validate my information as reported by XXXX. 

I've disputed it with Equifax, XXXX and XXXX, yet this account continues to be reported without any proof. I have proved by a sworn affidavit, still not refuted, that the XXXX account is not my account, I've never lived at the billing address, and I have never opened a XXXX account with that account number. XXXX has investigated this properly and removed said item from my report. 

The last dispute filed on XX/XX/2018, and results arrived at on XX/XX/2018 by Equifax stating that the account was validated, yet I was not provided anything showing how or any supporting documents after submitting a sworn affidavit. 

Again, XXXX, reporting a XXXX XXXX account is the only account on my report preventing me from acquiring a mortgage to buy a house at reasonable rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was a victim of identity theft and have submitted the documents to have the items removed to the following credit reporting agencies, XXXX, TransUnion and XXXX. An auto loan was obtained from XXXX XXXX. A credit card was obtained from XXXX which is the XXXX XXXX XXXX, I was never in the military or affiliated with the military. 
An account was established with XXXX XXXX. Several payday loans were taken out from a company named XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft and I am a victim of Identity theft and that the items I am disputing do not relate to any transactions that I have made or authorized. It has been a battle going through this and I am submitting this complaint to request for the removal of the Fraudulent items completely from my Credit Report. I have read that the Credit Reporting Agencies are required to remove any account and information that the consumer identifies as an item resulting due to identity theft. I hav ebeen sending dispute letters addressed to the Credit Bureaus requesting that they remove the disputed items but desppite all my eforts, the Credit Bureaus are yet to comply with the Federal Law. I am submitting this complaint through the CFPB to inform the Credit Bureaus that they only have much time to remove the disputed fraudulent information before I take legal action against them. under the FCRA section 605b, I am requesting that the disputed items removed from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I will be filing a civil suit for federal violations against XXXX, XXXX, and Transunion. I sent my FTC report and my PA License on XX/XX/2024.
Product: Checking or savings account

On XX/XX/XXXX, I tried moving money out of my account at JPMorganChase only to find out my account was restricted. Called Chase to inquire and no information was given. Upon calling back on Monday the XXXX, I was told my account had been closed, no information was given as to why and no information was given about my funds that were in the account. Called repeatedly for 2 days and then was able to reach someone that informed me that I would be receiving my funds in the next 10 business days. Once those 10 days were up, on the XXXX, I again inquired to the status of my funds and was given no information. Called again and went into a branch on the XXXX and was then told that no check had been cut for my funds and that I now needed to provide proof that the funds in my account indeed belonged to me. After providing the unemployment statements that showed my deposits, I still received no information as to the status of my funds. Went into a branch again on the XXXX and was told that my funds would be mailed to me sometime in the next 3 to 7 business days. All during this ordeal, there was not one piece of written documentation provided or any communication that was given to me. JPMorganChase seized my funds, provided no information as to why and then made me go through significant hurdles to recover my own money.