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

XXXX  - I received Citigold Promotion Invitation through my email and enrolled the  promotion.This email o f mine has registered with   Citibank Earn Up to a {$700.00} Cash Bonus after you fund a Citibank Savings Plus Account.
Promo Code   XXXX   XXXX  - Deposit new t o Citibank Fund into my existing Citi Gold Savings Plus Account. And the deposit is maintained in Citi Saving Plus until now.    Record is as below :  XXXX  ACH Electronic CreditFID BKG  XXXX   XXXX   XXXX  {$30000.00}  XXXX  - Have received  Citi    bank research results responding my inquiry on when to receive the cash bonus {$300.00}, Citi bank has denied the cash bonus offer for the reason : " Unfortunately, there was not Cash promotion offered in conjunction with the opening of your account. While Citi does offer Cash promotions at times, those offers are only available to the individual to whom the offer was addressed. '' It is so obvious that Citi Bank either did n't do their so-called research at all, or Citi Bank refused to honor customer cash bonus by some fraudulent reason : First of all, the promotion offer I was enrolled under IS NOT EVEN about opening account. Second, I am the targeted customer. I have   received promotion letter through m y Citibank regi stered email and physical address mailbox.     The promotion  XXXX  detail is described as follow ( the following text is copied and pasted from another research letter also returned  by Citi Bank, w hich is responding to my inquiry about this promotion details and requirement on  XXXX  ) : Dear  XXXX   XXXX ,  XXXX / XXXX /  XXXX    XXXX  Thank you for your inquiry on  XXXX / XXXX /  XXXX   regarding your Checking account number ending in XXXX. We have completed our research and the results are as follows : The terms and conditions for Promotion  XXXX  required the following Make a minimum deposit of {$25000.00}, with money not currently held a t Citibank or its affiliates, into a new or existing Citibank Savings Plus Accou nt between  XXXX   XXXX ,   XXXX   and  XXXX   XXXX ,   XXXX  .   A minimum balance of {$25000.00} is required to be maintained in the  Citibank Savings Plus Account for three sta tement periods after the {$25000.00} minimum deposit is made.   A regular checking account packa ge ( the Citigold account package, the Citibank account package, the Basic account package, Student  package or Access account pack  age ) is required.
The qualifying deposit tiers are : $ 25,000.00- {$49000.00} earns a {$300.00} bonus ; $ 50,000.00- {$99000.00} earns a {$400.00} bonus ; $ 100,000.00- {$240000.00} earns a {$500.0  0} bonus and {$250000.00} and more earns a {$700.00} bonus.   The qualifying deposit must be maintained in the  Citibank Savings Plus Account unti l  XXXX   XXXX ,   XXXX  .   Once you meet the above terms and conditions, please allow up to 90 days from the date of the qualifying statem  ent ( s ), which satisfied the terms and conditions, to receive your incentive.
I have met all the terms and conditions. Hope CFPB can help me seeking for the justice.     Thank you very much  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN AND XXXX  IS REPORTING AUTHORIZED INQUIRES ON MY CREDIT REPORT.
 THE COMPANIES FROM EXPERIAN ARE: 
XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX, UT XXXX
(XXXX) XXXX
XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
(XXXX) XXXX XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 
(XXXX) XXXX XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX (XXXX) XXXX XXXX XXXX XX/XX/XXXX
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
(XXXX) XXXX 
XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX
(XXXX) XXXX XXXX XXXX XXXX 
XX/XX/XXXX
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX (XXXX) XXXX   THE COMPANIES FROM XXXX  ARE:

XXXX
Inquiry from XX/XX/XXXX
+
XXXX XXXX Inquiry from XX/XX/XXXX
+
XXXX XXXX Info
Inquiry from XX/XX/XXXX
+
Misc.
XXXX
Inquiry from XX/XX/XXXX
+
Bank XXXX XXXX XXXX
Inquiry from XX/XX/XXXX
+
Bank
XXXX XXXX XXXX
Inquiry from XX/XX/XXXX
+
Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX COLLECTION ( Original Creditor : COLLECTION ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, Sage Stream, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX only address is XXXX XXXX XXXX  XXXX XXXX, oh XXXX appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX  XXXX XXXX XXXX XXXX XXXX , il XXXX XXXX XXXX XXXX XXXX XXXX  , il XXXX, XXXX XXXX XXXX XXXX  , il XXXX, XXXX XXXX XXXX XXXX XXXX, il XXXX 

Please remove my number from my credit report thats not : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I wrote Transunion certified mail, stating Transunion is violating my consumer rights. 
Pursuant 15 USC 1681 ( b ) ( 2 ), I never gave Transunion the written consent to furnish a consumer report!

I've attached the letter ( exhibit A ), and my and demand these accounts be deleted!!
Product: Debt collection

CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS DUE TO ID THEFT APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Checking or savings account

In XXXX XXXX XXXX usaa closed my checking account but didn't really give me a reason, I was buying and selling crypto currency and one or more bank employees offered that the reason it was closed is because I was taking the money out of my account to soon but I was never told I had to leave it in there for a certain amount of time, anyway I asked that they return my money but about half of the {$16000.00} plus in there belonged to my customers so XXXX XXXX  took about {$8000.00} of it out which left me around {$7700.00} give or take. Around XX/XX/XXXX or there abouts of XXXX they informed me they were sending me a check for the balance but by the XXXX I believe it was I called to find out what was up with the check as I never received it and they informed me that the check had been cashed, I never received it nor was it me who cashed it so they had me fill out these fraud papers telling me they had to investigate it to find out who cashed it and get the money back from them for me, I filled out 4 or 5 of those forms and uploaded them to usaa via their mobile app the first one I left out some answers that I didn't know so I had to fill out another one then the games started them telling me they didn't get all 3 pages then the next time we would talk they would say they had all the pages so back and forth it went ... .sometime between XXXX and XXXX they said they had it and could start their investigation and according to the papers they had 180 days to investigate and at the end of that time they would have to return my money ... it's been at least 8 months now a bit longer than the 180 days but still no check now people I have talked to that work in that department have told me they have no idea why the woman who is leading this investigation hasn't issued me another check a couple of them even told me that they would do whatever it is they do to have a new check issued but nothing they say they got shut down ... then a couple months ago or so they started sending me those fraud forms again and when I asked why they said because 1 or 2 pages of it were missing then another person told me they had all the pages then they sent them 2 more times telling me they needed them so they could move forward... .makes a person wonder what they have been doing all this time well I didn't fill them out again cause then they could come at me again saying they could hold onto it for another 180 days and I'm tired of this game they are playing. This has hurt me as I'm XXXX XXXX XXXX  and on XXXX and that money was helping me out making life a little easier, there is no reason for them to be holding onto this money unless someone has or is trying to steal it. I just want my money. I've been waiting on them to return my money for 15 months now ... I'm going to report them to the XXXX because this should fall under financial exploitation of a XXXX XXXX  citizen. Please any help you can give me to get back my money would be greatly appreciated, Thank you in advance for any help that may get them to return my money.
Product: Vehicle loan or lease

Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Email ] [ Your Phone Number ] [ Date ] GM Financial XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Form 1099-C for Charged-Off Auto Loan Dear GM Financial, I am writing to formally request a copy of IRS Form 1099-C for the charge-off of my auto loan account with GM Financial. Below are the details of my account : Account Holder Name : [ Your Full Name ] Account Number : XXXX Vehicle Information : [ Year, Make, Model of Vehicle ] To ensure accurate tax reporting, I need confirmation of any debt cancellation associated with this account. If a Form 1099-C was issued, please provide a copy for my records. If one has not been issued but should be, I kindly request that it be generated and sent to me at your earliest convenience.

Please send the requested form to the address listed above. If additional information is required to process this request, feel free to contact me at Thank you for your prompt attention to this matter. I appreciate your cooperation.

Sincerely
Product: Checking or savings account

On Thursday, XX/XX/2023, I flew to XXXX XXXX, LA with the attorney I work for to meet a new client who was relocating to the New York area. The evening of the XXXX, I went to some bars, the last one was the XXXX, and that is the last thing I remember until I woke up in my hotel room the next day. I discovered that my debit card, my mobile phone and my driver 's license were missing. Instead of staying in XXXX XXXX until the XXXX to fly home with my employer, I decided to return that evening at my own expense ( {$310.00} ). The following day, the XXXX, I filed a police report with the XXXX XXXX Police Dept. My mother filed a claim with XXXX, who insures my mobile phone, and she paid the {$220.00} deductible since I had no money, and my new phone was delivered the next day and a technician came to set up the phone. My mother also filed a claim with XXXX under her homeowners policy, but it turned out that money isn't covered. I went to Chase in XXXX, NJ four separate times and put on the phone with different people, the last time being a XXXX in the Escalation Dept. Each time I was told I authorized the XXXX XXXX XXXX XXXX {$3400.00} and the XXXX withdrawals totaling {$600.00} because my PIN number was stolen even though I told Chase my PIN was on my mobile phone. With all my money gone, I wasn't able to make my monthly payment for my XXXX XXXX  loan, after making payment for XXXX years, and getting my debt down to {$120000.00}. My elderly mother, whose only income is social security had to make my {$350.00} car payment and pay the {$220.00} deductible to XXXX so I could get another phone. I usually try to help my elderly parents and give them money to pay their bills. This is causing a terrible hardship, not only for me, but also for my parents financially. First I was victimized by a thief, and now I have been victimized by Chase. Chase never did any investigation like contacting the XXXX XXXX Police Dept. or XXXX XXXX How can Chase believe that I authorized someone to make XXXX XXXX XXXX and then even overdraw my account and have Chase penalize the owner of the account just because the PIN was used after I told Chase at least four separate times that my PIN was on my mobile phone, which was stolen along with my debit card and even driver 's license.
Product: Credit reporting or other personal consumer reports

There are several inaccuracies on my consumer report that i would like removed all names and variations of any names should not be present on my credit report under the name section I would only XXXX XXXXpresent on my consumer report. no other names. There are several non mailable addresses that I can never be reached at on my consumer report that i would like removed. only the address XXXX XXXX XXXXXXXX XXXX XXXXXXXX should be present on my account Accounts XXXX XXXX  Have the derogatory remarks that i want removed pursuant the laws that protect me the consumer found in 15 U.S. Code 1681a remarks : - '' Payment Status Charge-off '' - 30 days late XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX - 60 days late XX/XX/XXXX - 90 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Hard Inquiry Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX is reporting a collection account onto my consumer report that is identifiable by the following information XXXX XXXX XXXX this account is listed as XXXX XXXX # XXXX Placed for collection : XX/XX/XXXX Balance : {$430.00} Date Updated : XX/XX/XXXX Original Amount : {$430.00} Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ( Banking ) Past Due : XXXX $ XXXX Account Type : Open Account Individual Account Open Account DEBT BUYER On XXXX this account is listed as XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Balance {$430.00} Balance updated XXXX XXXX, XXXX Original balance {$430.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$430.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX On XXXX its reported as XXXX XXXX A Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type No Info Responsibility Individual Account. Remarks Consumer disputes after resolution Collection account Original Creditor Name No Info according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity.i am asking that this inaccurate information be removed Immediately
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding an unauthorized XXXX account that has been opened under my name without my knowledge or consent. This matter was brought to my attention during a necessary security clearance check, and it has caused me a considerable amount of distress and inconvenience. 

Complaint Details : Account Holder Name : XXXX XXXX Possible Account Number : XXXX Address Associated with Account : No available but the agent said XXXX XXXX Texas Date of Account Opening : No available Balance reported : XXXX For your reference, I have been residing and working exclusively in XXXX and XXXX from the year XXXX until the present year, XXXX, as can be verified by my employment records and residential documentation. During this period, I have not authorized any third party to open a XXXX account or any other account on my behalf, nor have I opened such an account myself. 

I kindly request you to investigate this issue with the utmost urgency and provide me with a detailed report of your findings. I believe this to be a case of identity theft, and I am prepared to take legal action if necessary to resolve this matter and clear my name. 

In addition, I insist on the immediate closure of this unauthorized account, the removal of any associated charges, and the rectification of any negative impact this has had on my credit report. 

Please find attached copies of my identification, proof of residence, and employment records, substantiating my claims in this complaint. I trust that XXXX will treat this matter with the seriousness it warrants and act expediently to rectify the situation. 

Thank you for your immediate attention to this matter. I anticipate a prompt response, outlining the actions taken to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

So for the last year, I have been sending you documents and documents to each of the credit bureaus ( XXXX, XXXX, Equifax ) regarding my name, address, and phone number is incorrect on my credit file. Because of this, I've lost deposits on homes, the ability to obtain business and personal loans, credit cards, and employment. I want you to correct my name and address on my credit file.. I am also seeking damages for lost income and lost the ability to obtain housing and consumer credit. My correct name is XXXX XXXX. I've never gone by any other name or variation of my name. Any attempts to procure credit under my name is fraudulent. My identity has been stolen multiple times and many variations of my name have been used. My Name is XXXX XXXX this is the only name I go by. My XXXX address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove any other name or name variations and addresses or address variations from my file. Only leaving the aforementioned.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of accounts and inquiries on my credit report that are associated with a recent data breach. I have become a victim of identity theft, and the fraudulent accounts and inquiries listed below have been recorded on my report without my consent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these entries be removed to protect my personal information and credit profile. 
Accounts and Inquiries to Be Blocked and Deleted : Accounts : XXXX 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: Debt collection

This debt is INCREDIBLY old. Over 12 years at the very least. It was disputed at the time with the company itself ( XXXX  ). XXXX never gave me any communication as to what they were doing to rectify the dispute. I never heard from them again. Now, all of a sudden, I find this information on my credit report. I have never spoken to this so called collection agency. I have had ZERO contact with ANYONE in regards to this so called debt that I disputed with the original company at the original time of the bill OVER 12 years ago!! It claims the debt was opened in XX/XX/scrub>XX/XX/2023. How is that possible when I never made or had any contact with these people? I didnt even know this debt existed until it hit my credit report and I was notified by XXXX XXXX today! It also exceeds the statute of limitations for my state which is 10 years! What are my rights here? I want this removed from my credit report.
Product: Debt collection

This company has illegally obtained my personal information from XXXX XXXX XXXX  without consent of the consumer in order to sell personal private information. They are harassing me to pay a debt that I do not have under contract this is violation of 15 USC 1692 Harrassment and abuse. I have dispute this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a XXXX form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. 
Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please deleted account from your records.
Product: Mortgage

The GA HAF program made a payment to Ameris DMI on XX/XX/XXXX to reinstate my mortgage and give me three months of advanced payments. Ameris DMI processed the payment on XX/XX/XXXX. Ameris has my next payment date set for XX/XX/XXXX. When I log into my account online the next payment date and amount appears to be correct but I don't have the option to make a payment. Also I don't see all statements from XXXX to XXXX it looks like they have been deleted some statements from my account. I called and emailed Ameris DMI about the not being able to make a payment online. Over the phone I was told that my account is still in loss mitigation even after they processed payment to reinstate the mortgage on XX/XX/XXXX. On previous phone conversation they told me after reinstatement payment I would be released from loss mitigation and my account would return to normal. Via email I was told there is no problem with my account and to send a screen shot of the issue. I sent the reply email with screen shot but I did not get a reply back. My payment is approaching and I am tired of having all these account issues with Ameris DMI. My Account is paid current and should be in a normal state I should be able to make payments online. Please see Attached documents for proof.
Product: Credit reporting

I received a written letter from XXXX XXXX XXXX XXXX XXXX regarding an account with XXXX. The written letter offered the option to call XXXX XXXX XXXX XXXX XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$240.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Experian Credit Report as OPEN, UNPAID and " Seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department '' ( please see attached Credit Report excerpt ).