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

On XXXX/XXXX/15 I opened a Citigold checking account after receiving an offer in the mail stating I would receive XXXX Thank You points ( worth approx. {$500.00} ) after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I have met the criteria, and was told to expect the XXXX Thank You points to be deposited into my account by the end of XXXX. During this time I was charged two monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, that I had met the requirements, and that the points would be deposited at the end of XXXX, Citi has pulled a bait in switch. They have suddenly decided I do n't qualify unless I can find a postcard from 5 months ago showing the offer. I do n't keep mail around for 5 months, and NOTHING was ever said over the past 5 months about needing to keep that post card. Now I have {$60.00} of fees and I will not be getting {$500.00} worth of Thank You points. I 'm not alone. Hundreds of people are in the same situation as me. I 've done XXXX searched and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act 15 U.S.C 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your file to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
I demand the following accounts be properly verified or removed immediately : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX
Product: Credit card

Wallet pick pocked in 2013, promptly notify bank and filed a police report. 
New credit card issued, but Credit card company ( HSBC ) fails to remove fraulent charges from 2013 from old credit card number ( account ). 
Tell me everything is okay and that I am not responsible, but the amount owed keep going up. 
Keep sending emails that I need to pay due to outstanding balance. 
No resolution after numerous phone calls since 2013.
Product: Checking or savings account

This complaint involves elderly father & deceased mother 's savings account which I believe was emptied by persons once close to my father. They may also impersonated me and my husband. The persons had full access to his home, keys to everything including his garage. In early 2021, as XXXX hit, he was abandoned by everyone including a " girlfriend '', neighbors, and coworkers who were now retired from XXXX XXXX XXXX, as my dad did in the XXXX. 
When I found out what happened, it seemed suspicious. No one called me until they found dad abandoned, with rotten food, unclean house/person, and everything gone from his home, including important family paperwork, mother 's purse contents, and her death certificates, and anything that was his & his family 's. 
My father was told by Wells Fargo Bank by the branch XXXX that his daughter ( me ) and husband had come to the bank with a " note '' and some other paperwork indicating they were the only XXXX Of XXXX and emptied his savings account. 
I reported all the issues to local & state Police, the Bank, Social Services, and many other agencies. No one could help me with any investigation of these persons nor what had happened to him. I suspected Elder Fraud and went through every means to try and report this horror of my XXXX father being a victim, and especially the theft of HIS money. He would need Elder care at some point in the future. This was apparent to me and my sons, and the family friend/nurse. It seems no one would take action to find the perpetrators of these crimes. Even as I was blamed for the missing money, the Bank XXXX dept. said there was nothing they could do, without the account number, not knowing who was on this account, etc. 
His Elder Attorney never offered help despite my father 's many pleas. Later found this Attorney had given 4 of these persons a POA and XXXX XXXX XXXX to look out for him. A close family friend/nurse and I looked at every angle, she tried to protect him from other neighbors when all the others suddenly abandoned " helping him. '' As his XXXX progressed, people were still taking advantage of him and he didn't know what was happening as so many people told how he could trust them! One couple that targeted him put their house up for sale and moved from the area. The others avoided me, and any questions I had about his problems! Even his Elder Law Atty. never helped in this situation, except to remove these people from my dad 's Advance Directive, POA, etc. I even asked him about collusion w/ these persons, and he never answered any of my questions, except to say that, " he was working on it. '' I never believed he had dad 's best interests in mind.
Product: Credit reporting or other personal consumer reports

I checked my credit report through credit wise and noticed an inquiry entry from American Express. I noticed it was done on XX/XX/XXXXXXXX XXXX XXXX, which I didn't authorize and didn't apply for. I contacted the company immediately once discovered. I then obtained XXXX to protect myself going forward as a XXXX XXXX. I contacted American Express in XX/XX/2023 when I discovered this unauthorized action.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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
Product: Credit reporting or other personal consumer reports

Under the doctrine of estoppel by silence, Engelhardt v Gravens ( MO ) 281 SW g715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.
Product: Debt collection

Company called my cell phone which I did not answer. Immediately they called the house phone where I am staying with family. It is not my house or my phone line. Called twice that went unanswered. Back to back. Immediately called again and call was answered and hung up. They immediately called back and were told not to call that number. They immediately called back again and after I told them they had just repeatedly called multiple times they didnt call back.
Product: Credit card or prepaid card

I had automatic payments set up and at the start of XXXX the automatic payments stopped and I was not notified until my account was delinquent, I have been unable to make payments online because my account is closed. I made several phone calls to try and make payments and BMO  was unable to take my bank account routing and account number. They kept telling me that my bank account was not recognized in their system. This is the same account that I had automatic payments set up with. I was instructed to go into a BMO branch to pay so I attempted to do this. I went in and was set up with a banker. They could not find my actual account number because the account has been closed. The banker tried to make a payment and was also unable to with my routing and account number. I then had my bank cut a check and send it into the BMO payment center. I only had the last 4 digits of my account since the account is closed and no one was able to give it to me. I also do not have my physical credit card anymore and have not had it for years. The check was sent back to me because I did not have my full account number listed in the memo. I received a call saying that my payments are late. I then explained that I have been trying to pay this card off for months. This associate was able to give me my full account number. I have sent in another check to pay off the account with the account number on it. The check was sent on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

NATIONAL CREDIT ADJUSTERS XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX The above company is reporting a collection on my credit in error I do not owe this amount. My insurance company paid this.
Product: Debt collection

In the attachments is a record of me and XXXX  and XXXX XXXX XXXX. Initially I received collection letter from XXXX XXXX XXXX and I wrote back requesting validation from them. They never wrote back then I received a letter from XXXX stating that they are the ones collecting and that XXXX XXXX XXXX is just servicer. That was just a stall tactic. I sent out another validation letter requesting proof that I owe the debt. XXXX wrote me back and stated in their letter that they sent all the documents that I requested in the envelope. When opened the letter, the only thing that was in there is XXXX paper that look like a bill. Everything I requested was not in the envelope. It takes money to send out these letters, so I am doing it through this CFPB channel. Everything XXXX  claim they enclosed please send through this portal because I did not receive it by mail. If you cant present these documents that I requested please cease all collection. Please cease and desist on all mediums. Send me a letter that I am not responsible for this debt. everything is attached
Product: Credit reporting or other personal consumer reports

I have contacted and sent letters with all the needed information to Transunion and they did not remove the 2 fraudulent inquiries on my credit report. I am a victim of identity theft and therefore have the right to get that removed I have also sent them an FTC Report and a Cover letter explaining what happened. They did not act on it and kept saying that it was from a credit clinic and I do not know what else to do. I have sent them more than 2 sets of files for my FTC Report and my documents to prove that it was me but they keep giving me the same answer that it was from the credit clinic I need this resolved and removed I also wanted to report these 2 inquiries from Transunion that they refuse to remove. 

XXXX XXXX XX/XX/2XXXX XXXX XXXXXX/XX/2024 I have already contacted these companies and they have advised that they have notified Transunion that they needed to delete these inquiries and they advised that Transunion was notified on XX/XX/2024.
Product: Credit reporting or other personal consumer reports

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT ( XXXX XXXX  ) ( XXXX XXXX  ) ( XXXXXXXX XXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the payment history. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE UPDATED TO PAID AS AGREED, PAID ON TIME, NEVER LATE IMMEDIATELY. AFTER THIS INVESTIGATION, UPDATE THESE ACCOUNTS TO PAID AS AGREED, PAID ON TIME, NEVER LATE. ( XXXX ) ( XXXX ) ( XXXX  ) ( XXXX XXXX  ) ( XXXX ) ( XXXX ) XXXX XXXX )
Product: Money transfer, virtual currency, or money service

I bought and sold crypto on the Venmo app and when I sold the crypto it was supposed to transfer {$930.00} to my regular venmo balance immediately. Now my account still Says there is XXXX $ in it and Ive spoken to two different Venmo agents who both agreed that my money should have been transferred immediately and have no idea where my money is and that a team of engineers is working on the issue. They gave me no timeframe on when I might hear back from them and both ended that chat early. I simply want my {$930.00} back and after that I will never be using Venmo again
Product: Student loan

I currently have two loan servicers, XXXX ( transferred from XXXX ) and Aidvantage. 

I consolidated my loans when I applied for PSLF in XXXX. A small portion of my loans were transferred from XXXX ( now Aidvantage ) to XXXX and the rest stayed with XXXX. 

When I asked about this at the time, first I was told by XXXX that it would take time for the loans to transfer and then I was told that the servicer didnt matter and all of my loans would be counted under PSLF . 

On XX/XX/XXXX, I was on the phone with Aidvantage ( 2x ), XXXX ( 2x ) and the Department of Education and been wildly different things about loans transferring to XXXX. 

XXXX said that the loans should be transferred to them, but because my paperwork from XXXX isnt transferred completely yet, they couldnt really tell me anything else. The second time I called, I was told that once they got all of my loan information from XXXX, they would be able to request a loan transfer from AidVantage. 

Aidvantage first said that the Department of Education had to tell them to transfer my loans to XXXX. The department of education said that this was not true and urged me to file a complaint. 

I called Aidvantage again, and a different person told me that XXXX had to request that my loans at Aidvantage be transferred to them. She said I should wait until my paperwork from XXXX be fully transferred ( should happen by XX/XX/XXXX ) and then request that my Aidvantage loans be transferred to XXXX. 

Im afraid that this will impact my PSLF and I dont know why I being told different things from different people every time I call.
Product: Debt collection

THE COMPANY, CONVERGENT OUTSOURCING, PURCHASED AN ALLEGED DEBT FORM SOME OTHER COMPANY. I HAD NO INVOLVEMENT WITH THIS TRANSACTION. PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS MY PROPERTY. MY NAME IS XXXX XXXX. Whereas I believe them to be a debt buyer, CONVERGENT OUTSOURCING, must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX. failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy. Notice it is a fact that I have never signed a CONTRACT or PROMISSORY NOTE with the company CONVERGENT OUTSOURCING.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I found these fraudulent accounts. Please remove them as soon as possible since they are hindering my ability to obtain credit, as well as causing financial hardship.
Product: Debt collection

Spoke with a representative of the company who had a XXXX who stated I had an outstanding balance for a XXXX card, when I offered to make a payment on the account as part of a payment plan I informed the collection company that the balance was incorrect by {$400.00} + dollars and that I knew I only owed {$1000.00} and that is all I was willing to pay, The person who called me then informed me that they would sue me and threatened to have my wages garnished over the outstanding balance the person who called was very rude and made no attempts to work with me to resolve the issue, he kept trying to use intimidation to make me agree to terms of a payment I could no afford and told them I was unable to make the payment amount they wanted and would be willing to work out a better payment plan with them once the balance was corrected again several times later they threatened to sue me and take me to court
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently within a XXXX  XXXX plan. My loan with XXXX XXXX is not included in the plan and I pay them each month for my vehicle. I have never missed nor been late with a payment since XX/XX/2018 when the loan originated. XXXX XXXX has not been reporting my monthly payments to any of the three credit reporting bureaus ( XXXX XXXX, Experian and XXXX ) though I have sent them, on numerous occasions, the plan showing this loan is not included as well as statements that the loan is current. Each and every monthly loan payment is required to be reported as paid on time and XXXX is NOT reporting these payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXXXXXX 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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I am filing a new complaint against Bank of America in response to my initial complaint ID XXXX which I feel was not researched adequately, which in turn, did not address the issue at hand. 

This complaint is in response to the letter dated XX/XX/XXXX sent to me from Bank of America. 
It states " Please call us as soon as possible to see if we can help you with your home equity account at XXXX, Monday through Thursday, XXXX XXXX to XXXX XXXX and Friday, XXXX XXXX to XXXX XXXX   Eastern. 

We noticed you're behind on your mortgage payments and realize you might be having a difficult time. We understand these things can happen and want you to know about ways we may be able to help. 
We can provide free help with your home equity account so call us right away. Waiting could affect your ability to take advantage of any of the programs you may be eligible for. '' The letter also states " This is a legally required notice. We are sending this notice to you because you are behind on your mortgage payment. We want to notify you of possible ways to avoid losing your home. we have a right to begin forclosure proceedings based on the terms of your mortgage contract. 

Please read this letter carefully. '' This letter is just another attempt at ignoring my previous complaints which are documented as far back as XX/XX/XXXX, with the Consumer Financial Protection Bureau XXXX CFPB XXXX. 

The original and subsequent complaints are as follows : XXXX dated XXXX XXXX dated XXXX XXXX dated XXXX XXXX dated XXXX XXXX dated XXXX XXXX dated XXXX Within these complaints I explained the various facts that show that Bank of America made numerous mistakes in an attempt to cover up their wrong doings. 

I advised Bank of America that in no way this loan was to have used my home as collateral. 
If Bank of America continues to consider this matter closed and attempts to proceed to forclose rather than admit to their wrong doings, we will leave it for the courts to decide! 

Bank of America has failed to examine the documents thoroughly! Had Bank of America done so they would have recognized their errors and came to a different conclusion. 

I strongly suggest that the Bank of America Home Retention CRM take a close look at the whole of my complaints which were sent to the ( CFPB ). 

This letter was not assigned a Customer Relationship Manager ( CRM )