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

Dear Consumer Finance, I am filing a formal complaint against Citibank for failing to honor the {$400.00} Promotion Bonus after keeping {$15000.00} opened in an  approved checking account for consecutive 30 days. This promotion is similar to what is described at this URL : XXXX XXXX XXXX Around XXXX timeframe, I received a targeted offer from Citibank to open a new checking account, and deposit {$15000.00} to qualify for this bonus. During the ensuing months, I experienced difficulties opening my account and funding the account with {$15000.00} within the 30-day requirement. However, I made multiple calls to Citibank to ensure that I can still qualify for this promotion, and every time a different CSR agent assured me that my account has been setup and coded for the promotional offer. I was further informed that as long as I keep the money in the account, I should receive the {$400.00} bonus 3-months after I qualified for this promotion. Around XX/XX/XXXX, I followed-up with Citibank again and inquired on my missing bonus cash. The response was that I should be receiving the bonus soon. I waited again until yesterday on XXXX XXXX XXXX, and called Citibank and inquired again on getting a resolution to my missing {$400.00} bonus. I was informed that my account was setup properly and coded for the promotion, and the agent will open a case to have researched done.
Upon checking my Citibank Message Center today on XXXX XXXX XXXX I received a response to my inquiry dated for XXXX XXXX XXXX stating that my account has been disqualified for the {$400.00} bonus. The reason was that I did not fund my account within the required 30-day period. However, during the initial account setup, the CSR agents I spoke with stated that they will extend the promotion and that my account will qualify.
Please assist with obtaining resolution to this on-going issue with Citibank. This bank should honor what they have promised their customer. This bank has weaseled out of  paying their customer for the promotion they ran, and tied up a significant portion of my cash investment without earned interested. Thank you for researching into this complaint.
Product: Money transfer, virtual currency, or money service

I was trying to set up a XXXX XXXX account for my online store. While doing so, I saw an advertisement on XXXX around PayPal integration through the use of PayPal Payment Pro to accept payment through the selling platform on Turbify. Since I already had an existing XXXX old PayPal account that is used for transactions, I decided to integrate it directly. In fact, I called customer service ( Thursday ) who assured me that this would be fine and that integration would take 2-3 days. 

Today, to my shock, I got an email with the message that You cant use PayPal anymore. On the basis that my account is inconsistent with our ( PayPals ) User Agreement.Through this, they are no longer allowing me to purchase or receive money. In addition, they mentioned they are going to hold money in my balance for over 120 days. 

My account manager, XXXX XXXX, who supposed to help me set up the account has since never responded. Despite me calling and emailing multiple times for updates, he never given an answer. Ive even called in to customer service directly multiples times, but no one has been able to provide an answer on why my account was essentially closed and why my funds would be held. XXXX representative even told me that my account was perfect, and that the reason for the account closure was confidential. I have since also filed an appeal, but this is a directly account my business operations.I want an answer on why my account is being restricted and the specific reasoning. I have been using PayPal, this account specifically, for over 18 years and its completely wild that they closed my account for no reason. I have also checked the terms of service and user agreement as specified, and nothing Ive done goes against their terms. 

Reference number : XXXX
Product: Debt collection

I have received countless automated calls from King of Cash ( XXXX ). For example, I received calls on the following dates : XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and many more!! I have called this company at least twice to report that they have the wrong phone number on file. The automated voicemail indicates that they are calling for someone named " XXXX '' and my name is NOT XXXX, nor have I ever done business with King of Cash. I verified my cell number is on the do not call registry since XX/XX/XXXX.
Product: Mortgage

I have had my mortgage with McCue mortgage for 15 years without any issues and have had the same homeowners insurance company XXXX XXXX. My homeowners is escrowed with my mortgage and I am current and have been with my payments. My annual home owners of {$1300.00} was due in XX/XX/2019 to XXXX XXXX. I received a bill from XXXX XXXX stating XXXX was received and they would re bill the mortgagee. I also contacted the mortgagee and they confirmed it was taken care of. In XX/XX/XXXX I get a cancellation notice from the insurance company for non payment. When I called the insurance company I was told the check bounced. Once again the mortgagee told me everything was fine. Then next bill stated there was a correction of more charges, and got a cancellation notice and was cancelled by XXXX XXXX XX/XX/19 and I had to pay out of pocket {$280.00} to reinstate XX/XX/19while they research as we are back to square one and say they do not have payments. I have contacted the mortgagee and have been told that they received confirmation numbers so as far as they are concerned they are done. After repeated attempts to fix this Mc Cue is ignoring my concerns. They had to have been notified that my insurance was cancelled and they did not contact me about cancellation.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by Equifax. I assert that Equifax is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX XXXX XXXX XXXX and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting or other personal consumer reports

Capital One has violated my privacy by sharing my information with affiliates without my consent from all accounts I had/or have with them. 

IAccording to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX in accordance with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 usc 1681 section 602 a states i have the right to privacy. 15 usc 1681 section 604 a section 2 it also state 's a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX  account has two months reporting as late payments which they are not, my accounts are on autopay so these late payments are incorrect and need to be updated in my credit reports. The account is XXXX the months reflecting on my report are XX/XX/2021 and XX/XX/2021.
Product: Money transfer, virtual currency, or money service

Our law firm represents the Seller of real estate in New Jersey. As part of the transaction our trust account bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was given wire instructions for a 1031 transfer agent, XXXX, XXXX ( " XXXX '' ) a customer of Capital One Bank ( " COB '' ). Unfortunately the wire instructions contained an error and as a result the funds entered the wrong Capital One account on XX/XX/2022. The error was discovered immediately and COB was notified by telephone and by the attached intra bank writing. We were told by the Treasurer Management Specialist XXXX XXXX ( # XXXX ) that an investigation would be launched " immediately '' but that resolution could take up to but not longer than ( 10 ) business days from XX/XX/XXXX. On or about XX/XX/2022 we were told by Capital One that the monies, {$61000.00} had been " frozen '' and that they would be returned to XXXX or transferred to the correct COB account shortly and that our law firm would be notified. Despite numerous attempts by our office, XXXX, and the office of XXXX, we have received no responses other than " we are working on it ''. It is now 14 business days after the investigation was commenced and the funds have not been returned or transferred to the correct account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$530.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ASK THE EQUIFAX TO LOOK INTO THIS BECAUSE THIS IS NOT MY ACCOUNT YET THEY HAVE NOT AND THIS ACCOUNT KEEPS COMING UP WHEN IT BELONGS TO SOME ELSE
Product: Checking or savings account

I currently receive unemployment benefits from Pennsylvania. They assigned a bank ( XXXX XXXX  ) with an ATM card. They do not provide this type of account with an account number or routing number. This card at times will not allow certain transactions ( like paying a bill/credit card ). I have to go to my bank to withdraw from an ATM. There is a {$3.00} fee to withdraw. They limit the withdrawal to {$500.00} per transaction per day. They do have free withdrawals from XXXX but I am not comfortable withdrawing large amount of cash from a drug store in the XXXX. After my 3rd phone call I was told I could transfer money online for free. I tried their website and found the system wasn't working and I could register by downloading the mobile app. I did that. After registering I attempted to make the transfer. I entered my routing and account numbers ( triple checked for accuracy ) and the system responded with a rejection. I called customer service. They confirmed that I registered and they saw that I attempted to make a transfer. They also confirmed that the transfer was not done however they couldn't tell me why. I need help!!!
Product: Credit reporting or other personal consumer reports

this is not my debt and it needs to be removed immediately. I will file legal action if this account is not removed in 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 a Credit Card with XXXX XXXX XXXX XXXX inquiry was made against my social security number which was NOT me. I have placed a call to both XXXX XXXX as well as Equifax regarding this matter. Be advised that same day another inquiry was made against my social security card through XXXX XXXX  XXXX. I would like the inquiry with XXXX XXXX to be removed from my credit. Upon speaking with both XXXX XXXX and Equifax they advised me to contact the CFPB.
Product: Debt collection

ID THEFT VICTIM VIOLATES HIPPA, CRA RIGHTS, FILED POLICE REPORT AND SEND ALL DOCUMENTATION OVER TO THE COMPANY XXXX POLICE CASE NUMBER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a collection and a few inquiries on my report that I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 I disputed an account with XXXX XXXX that's listed on my credit. I have stated each time that the account doesn't belong to me and the account has just been updated. There has been no resolution and it's hindering me from buying a house for my family. The name on the account isn't my name. I have filed a police report showing that I don't know who opened the account and it needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

checking my reprort today and i noticed someone used my informtaion to open accounts and call to inquire about stuff .. 

anything reporting as inaccurate on my report should be removed is against my rights someone had brung to my attention known as the fair reporting credit act. 

im trying my best to better myself in life and this is hindering me from doing so.
Product: Money transfer, virtual currency, or money service

XX/XX/2020. I submitted transfer from one bank, US Bank, to XXXX XXXX. It was around 4. Within 10 minutes of the transfer, I called US Bank and they said they could not cancel it. They told me call XXXX XXXX. I called, they said they couldn't cancel it without the other banks special number. I called back, US Bank said they couldn't help me. I did the same song and dance on Saturday morning to no avail. Then, I waited all day today, Monday to let it fix itself. It didn't. I called US Bank and got 2 other assoicates. Each XXXX. Each uninterested. One was XXXX, her manager was XXXX employee number XXXX. If I call about unemployment benefits, don't have a I don't know or I don't care attitude. Find an answer. If you reference a policy, tell me what it is. Email me what happened. They did nothing. Terrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues, to allow XXXX XXXX XXXX, to report in accurate information on my credit file. Which is a violation of the FCRA. XXXX XXXX XXXX has never notified Equifax that the account is being disputed, another violation of the FCRA. Equifax has also failed to do a proper investigation. Which is a violation of the FCRA. Equifax keeps stating the account has been investigated but they continue to send me the same credit report with the same account showing the same amount of late payments and adding new late payments. This Truck was repoed XX/XX/XXXX and is still reporting open on my credit file, everytime I dispute this account the company adds more late payments. This is a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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: Debt collection

received on my credit from gla collection acc no. XXXX dont know or never received any services if they do have please supply a bill with my signature and id showing i received any services. THIS IS DEFAMATION WILL BE SEEKING LEGAL HELP TO RESOLVE THIS CASE.
Product: Payday loan, title loan, or personal loan

I have had an XXXX XXXX also called Synchrony Car care credit card that I am struggling to make payments to. I am currently unemployed and looking for work. This happened from XXXX to about XX/XX/XXXX where I was on and off work sporadically having to use my XXXX to help pay for my bills.
Product: Debt collection

Went to XXXX XXXX for help with XXXX  issue XX/XX/XXXX. He could not help me, was affiliated with my employer and indicated there was no charge. I resigned from my employer XX/XX/XXXX and was notified I was being charged for an office visit in XX/XX/XXXX. I provided health insurance information at that time and asked that they file a claim with the insurance. The account was sent to Southwest Recovery Services for collection and I again provided my insurance information. 

It appears that the claim was never filed with my health insurance and they are now filing claims against me for the full amount. Southwest Recovery has placed a collection status on my credit report and lowered my credit score.

The doctor 's office nor Southwest recovery did their job to collect from my insurance
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit score dropped XXXX XXXX on XX/XX/22 due to my balance decreasing isnt this false tell me why my scoe went down or is it punishment on your part for me complaining
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit reports. Please be aware, XXXX  has already deleted this account as it was in violation. You can not report an account that you have no legal right to collect because, I do not have a verbal or original written contact bearing my signature with your company, giving you the right to collect. I have enclosed a snapshot of my credit report showing the reporting. 

Delete per violation, cause you have no legal right to collect because you do not have no original contract on file with my bearing my signature and please do not reply with copies of credit card statements, or copies of papers from third party carrier or original creditor, as this do not validate the right for you to collect, as this will not hold up in court. 

Again, I do not have a written, or verbal contract agreement with your company. I did not sign a contact with your company to collect a debt. 

Based on US contact law, I should only pay the original company and do not have to pay the collection agency. 

By law you must delete this inaccurate account from my credit reports because you have no legal right to collect. Please note, I will seek legal action for defamation, which is hurting my financial situation and causing me pain and suffering, this reporting as cause me to be denied of funding. For your records and proof, I have enclosed a copy of the credit reporting.