23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Checking account number : XXXX Account Holder : XXXX XXXX My checking account was opened in XX/XX/2016. I fulfilled opening bonus requirements in XX/XX/2016. I waited for 90 days because the fine print stated it would be posted within 90 days after meeting the requirements. However, I have not received the bonus yet. 

On XX/XX/XXXX, I opened a case with Citi to review my opening bonus not being issued. Reply was that I had met all requirements but my XXXX was not certified. The bonus could not be issued without XXXX certification. 

The next day I sent a mail with XXXX certification to Citi 's XXXX back office as instructed by XXXX of Citi Associates. After XXXX weeks I contacted Citi multiple times to check the status but was told the XXXX was not updated. I asked if there was any alternative way to update XXXX. The Citi Associate told me the only alternative way is an in-person branch visit. The closet branch is over XXXX miles away from where I live. I see no fundamental difference between a mailed-in XXXX certification form and a faxed XXXX. I explained my situation and wished the Citi Associate could understand it and accept fax. However, the Citi XXXX adamantly refused to accept fax. 

So I drove for over XXXX hours on XX/XX/XXXX from XXXX, XXXX to the Citi Branch at XXXX XXXX XXXX, XXXX, XXXX XXXX to update XXXX status in person. I then called in on XX/XX/XXXX to check the status. The Citi Associate told me my XXXX status had not been updated and requested for more patience as it would take XXXX business days to update XXXX. On XXXX, XXXX business had passed since my in-branch visit, I called in again and was told my XXXX status had not been updated. This time the Citi Associate came out another innovative excuse : the in-branch documents I signed would need to be mailed to Citi 's back office so it would take XXXX business days for my XXXX status to be updated. 

At this stage, I do n't know if I can trust anything Citi states. Citi Associates give out misleading and disparate information to customers whenever information fit the situation. Moreover, the efficiency is unbelievably low. While I have been doing everything I can to resolve the issue, Citi has not take any pro-active action at all to help me resolve it since I raised this issue 5 weeks ago.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Product: Debt collection

On XX/XX/year> Experian falsely claimed they verified a collection from XXXX XXXX but on XX/XX/year> I received an email from XXXX XXXX that they requested the removal of the account from Experian. Experian has falsely claimed they verified the account and when i called them they can care less and have not removed item. I have and will be seeking to file suite against experian.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 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: Money transfer, virtual currency, or money service

Chase Bank supposed to mailed a Check for {$3300.00} on XX/XX/2023 and haven't received it yet
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been discharged and all subsequent delinquent information should be deleted from credit bureaus. I have provided the documentation to credit bureaus and it was not corrected in the 30-60 day FCRA timeframe. This debt is no longer valid as of XX/XX/2023 per letter and phone call with XXXX it was agreed that all corresponding XXXX account data should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX Texas 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: Mortgage

Better mortgage around XX/XX/21 sent me closing disclosure which was drastically different from the loan estimate that was previously sent over the previous four weeks. the tax escrows went from {$2800.00} to around {$3700.00} and when i questioned them about it, they stated it went up because i did not get the Florida homestead exemption. i advised them that in Florida, you get the Florida homestead exemption especially with the home being my primary residence. i advised them to contact the local tax collectors office or the title company to confirm this information and they have not responded. i am currently being over charged for my escrows with my closing in one week which is a very malicious practice by better mortgage. They are also charging me a survey fee of {$400.00} when there was not one that was required nor was i able to shop around for companies. i questioned them about it and they advised they are looking into it and still no response. in addition to the above issues, i was advised that i cant use a realtor credit towards my closing cost and prepaids when this is standard practice in the real estate industry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CRDEIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT REPORTS.
Product: Vehicle loan or lease

Sent payment to reduce amount owed as per instructions, on XXXX XXXX of {$3200.00} which was received electronically on XX/XX/1920 but has not been allied to our account so we can finish the loan process to purchase the car. Told that they received the payment at first and would only take few extra days to process, now they do not see the payment at all. We requested an investigation but they stated it would take til XX/XX/XXXX. Mazda Capital XXXX Chase, was told we are buying the car before payment was sent and was not notified of that there would be a delay.Today they stated they could not process a payment more than 8 months of payments, which seems crazy due to the varying amounts of payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was settled and XXXX XXXX is still reporting to the credit bureaus as a balance owed and delinquent. I have disputed this many times.
Product: Checking or savings account

I have a XXXX XXXX XXXX XXXX XXXX in XXXX, FL. I hired XXXX, to process my payroll. I also signed up for a 401K plan for me and one officer only. However, from the beginning XXXX would confuse, neglect, and continuously mix up my payroll with the 401K plan. After 30 days, I called and cancelled the 401K plan portion. Afterwards, I kept XXXX for a couple of pay periods because I was on an automatic payment system for processing. All of this occurred between XXXX - XX/XX/XXXX. From XX/XX/XXXX, it has been a nightmare. XXXX has illegally and Fraudulently stolen money out of my business account at Chase Bank a couple of times. The money was returned to me XX/XX/XXXX, due to 25 pages of evidence I submitted to Chase fraudulent claims department. I also had to submit a stop payment on my account on the advice of a Chase bank rep. The stop payment was up to {$200.00}. However, XXXX made several fraudulent attempts to steal money out of my account after Chase settled the matter due to the proof I submitted of the cancellation from XX/XX/XXXX. However, XXXX made another attempt to steal money and was successful at illegally withdrawing {$1200.00} ( XX/XX/XXXX ). I contacted Chase fraud department, and submitted another claim. To date, the manager XXXX  has supposedly been working on this case for 1.5 months. XXXX, has been stringing me along, and refuses to refund the money to my account, although I have the same proof that I submitted before. XXXX, does not keep me up to date, and she does not return calls. This entire process has thrown my account into a negative status. I have not deposited money in my account because Chase Bank continues to allow XXXX to steal money from me. So, I had to submit another stop payment increasing the amount to {$5000.00}. I need help because Chase claims department continues to tell me that they do not have anyone to answer to. The only person in charge of the claim is XXXX, manager of the claims/fraud department . I NEED YOUR HELP TO GET MY MONEY BACK. IF I HAVE TO FILE A POLICE REPORT, I WILL. I HAVE PROOF OF CANCELLATION, AND I AM IN NEED OF MY MONEY. However, the manager XXXX has been protecting XXXX and stringing me along with no answers. The only response I get from her is they are working on it. PLEASE HELP ME!
Product: Credit card or prepaid card

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on FSTPROGRESS. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report : FSTPROGRESSXXXX-Balance $ XXXX-Date Opened : XX/XX/2018 FSTPROGRESSXXXXBalance $ XXXXDate Opened : XX/XX/2018 FSTPROGRESS-XXXX-Balance $ XXXXDate Opened : XX/XX/2018 FSTPROGRESS-XXXX-Balance $ XXXX-Date Opened : XX/XX/2018
Product: Checking or savings account

dear CFPB, on XX/XX/XXXX at XXXXXXXX XXXX I attempted to withdraw {$500.00} dollars from a local atm at XXXX XXXX however no money was dispensed I when ahead and asked for help an associate named XXXX assisted me he did a 2nd attempt to withdraw {$500.00} and again no money where dispensed after this he immediately call security to inspect and open the atm machine the security officer pull the report and gave me a copy such copy shows and proves all the misfunctions of the unit ( dispenser errors and jam on cassette ) on both transactions, I was told per XXXX and the security officer that with the proof receipt my bank ( bank of America ) will reimburse the money back in to my checking account, I already spoke and explain the situation many times to bank of America associates i also send the receipt showing the machine errors where clearly shows that no money where dispensed, and still they deny my credit and charge me for both transactions as valid, please help, I'm attaching the receipt from atm and my bank charged transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent a letters about incorrect information on my credit profile.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the inquiries which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : -- -- -- -- -- -- -EXPERIAN 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

On XXXX I found the home of my dreams and placed a down payment of {$1500.00}. XXXX I had an inspection done on the home shortly thereafter I submitted all of the documents that was required. In XXXX there was a extension submitted and agreed then XXXX another extension submitted and another in XXXX. The bank has not completed the second part which is for the first time Home buyers grant.. My realtor nor the mortgage broker have been communicating with me to inform me what the hold is leaving me in the dark.. After calling numerous time still no clear answer on what the problem.. The mortgage I applied for was approved home was inspected and now we 're in XXXX well pass the XXXX days they said feeling taking advantage of and seeking helping
Product: Credit reporting or other personal consumer reports

Based on the information you provided, our records indicate your personal information was impacted by this incident. 
For more information, visit the FAQ page. 
FILE A CLAIM For XXXX XXXX XXXX XXXX, please call XXXX at XXXX and provide engagement number XXXX. 

Looks like my information was leaked out.
Product: Money transfer, virtual currency, or money service

On XX/XX/19, approx XXXX, XXXX contacted me stating she was with XXXX, our accounting software, that our subscription has expired so to avoid delay, need to pay. I asked 100 questions, to which she provided the information. Our account name, address, the ending credit card # on file, sent me an email which looked legit from XXXX. I questioned the amount, she had an answer of course. I gave her the rest of the card info, requested a receipt which she sent but she was NOT with XXXX, company named Skrill. We do not work with them. I contacted them, said cancel, no responses and I called the credit card company. Until the charge processes, I am unable to dispute or cancel. I also contacted XXXX, they agreed - this is a scam, they did NOT contact us for this information nor do they need to, the info is stored in our XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, all my student loan accounts with XXXX. of XXXXt were brought back current, positive reporting, and deferred until XXXX XXXX. Experian is showing those accounts double on my credit report, in negative and standing and good standing. I called the XXXX. of XXXX and was told that these accounts should be showing current. XXXX had submitted what they needed to fix credit reporting. I have written in to Experian about the issue back in XXXX and the delinquent reports are still showing. Status in both areas for these XXXX accounts are showing transferred, closed/neverlate. The other XXXX accounts are showing open/neverlate. Deferred, payments begin XXXX XXXX. I called XXXX on XXXX/XXXX/XXXX and they stated that my credit reporting was approved and changed in the system in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any accounts listed on an id theft report. Please find the required documents to assist in blocking the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) Equifax shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Creditor : XXXX XXXX XXXX Balance Owed : {$370.00} ; XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$460.00}
Product: Debt collection

This debt was add to my Credit Reports without any knowledge or proof of debt. I have no knowledge of this account. My account is current with XXXX XXXX and there is no way this debt collector should even have permission to report a debt without no validation. Delete and remove this account immediately. My next step is to sue AMSHER COLLECTION SERVICES for misleading information and making my credit score drop.
Product: Credit reporting or other personal consumer reports

On XXXX, XXXX XXXX I sent XXXX XXXX XXXX a letter requesting a verification for an account that was placed on my consumer report. I received a letter in return for account number XXXX. A XXXX XXXXXXXX XXXX  from XXXX XXXX XXXX . I wrecked this vehicle and the account was paid off in full but there were two late payments reported to my consumer report. 

Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( XXXX XXXX XXXX  ) Making the report is NOT INCLUDED on my Consumer report! 
Late payment is a transactional history, My HISTORY with the company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included in the consumer reports!
Product: Vehicle loan or lease

XXXX XXXX XXXX sold me a 2012 XXXX XXXX on XX/XX/XXXX. 

While my husband was serving XXXX XXXX orders driving to XXXX XXXX, Georgia the engine blew on XX/XX/XXXX. 
The car made a loud knocking noise while driving approximately 30mph, the car then started to smoke under the hood. He pulled over and noticed oil spilling out from underneath the car. He tried to start the car back up to see where the knocking sound was coming from, but was unable to get it to start. 

I was able to have the vehicle towed on the military base the following day through my insurance company to a auto shop. The mechanic checked the vehicle and said the engine threw the connecting rod and caused a hole in the engine, stating I needed to replace the engine. 
After calling auto shops around that area to see who can replace the engine my husband was told it would cost $ XXXX. 
We also looked into having the car towed back so I could have it fixed in Texas instead, but the cost for towing is {$820.00}. 

On XX/XX/XXXX I called the dealership to see what they could do about the car and was told they could do a trade in as is, but I would have the remaining balance ( {$10000.00} ) transferred over to the new vehicle. That would leave me with a substantially higher monthly payment, that is impossible for us to afford. 
The dealership advised me to contact XXXX XXXX, the company I had warranty under. Unfortunately I no longer had coverage due to mileage being over XXXX. 

I contacted Ally financial to see if they could be of any assistance with this situation, but was told they wouldnt be able to help and I needed to contact the dealership. 

I have done some research regarding XXXX XXXX XXXX and I noticed a high volume of people experienced the same exact problem and/or other engine problems.
Product: Bank account or service

I have a chase bank account. I have noticed at least XXXX charges which are incorrect.XXXX charges which were actually payroll EFT`s on XXXX/XXXX/2016 and XXXX/XXXX/2016 were noted but were treated as a charge.I do have the check stubs on hand in pdf. format. Also a charge of XXXX which is listed as being from the Social Security Administration. However on contacting them I found out that they had no record of that charge. I also noted that at least XXXX payments to XXXX XXXX XXXX listed only as credit card payments have disappeared from both my online ledger and are not noted on my pdf. statement for that month of XXXX. I was apparently a victim of identity theft as there was a loan taken out in my name of XXXX dollars from lendup.com on XXXX/XXXX/2016 followed closely by the debit. Also it there are XXXX lines of transactions which merely state remote online deposit XXXX and then XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided Statements from the Credit Card company showing the date of my first delinquency ( in XXXX and another in XXXX ). I also provided a letter from the Credit Card Company demanding payment and the current past due status of my account. This clearly showed my delinquency occurred in XXXX, and this is when the clock should start ticking regarding the 7 years this negative information should be published on my credit report. 

Based on the information in the supporting documents from the Credit Card Company it is clear this negative account has been posted to my credit report exceeding 7 years. 

Twice now, I have requested all references to this account be removed from my report and both times I have received a response that stated the Credit Card Companies data is correct, and by stating this I can only assume the information I have received from the Credit Card Company back in XXXX and XXXX is not correct or the Credit Card Company is currently changing the information to allow them to continue posting this negative account information on my report.