23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am one of three owners on this mortgage and it is being reported that I have no rights to the information concerning the incorrect payments being reported! If that was true why is it being reported on my credit???? It has never been 30 days late and it changes from XXXX to XXXX each time it is disputed! I have sent documentation on all payments that have cleared my bank and they are being ignored! Someone needs to investigate this company and their reasons for reporting eroneous information! They have a reputation for bad practices that can be verified easily!
Product: Mortgage

LoanCare A XXXX did not collect enough in escrow for 2 years and sent a letter increasing my mortgage payment by {$540.00} per month. I can not afford to make such an extreme increase in payment per month.
Product: Checking or savings account

My parents ( XXXX XXXX XXXX bank at Ally and we have had a very hard time with them. My father was scammed and then has been the victim of identity theft and had multiple issues with his money being stolen. They have helped us but then today, my father got an email that our accountw were closed with no explanation except to call if you have any questions. He called me and we logged into our accounts ( I handle most of their finances ) and see a withdrawal of ALL of their money. {$36000.00} from the main account and the balances from all three accounts show withdrawn and the accounts closed. I call right away, trying to figure out how someone got the money since it doesn't have any explanation- like a transfer? ATM? Cash? After an hour on the phone with support who also is confused and can't figure out how the money was withdrawn, she is finally able to talk to another department and we are told the bank closed the accounts and put checks in the mail to us. By now my mother is needing medical attention, afraid that their life savings is gone. So, I say, please cancel those checks and put the money back and we will transfer it out. They say it is a bank check but they can not cancel and we just have to wait the 7-10 days. I ask if we can get confirmation of why the accounts were closed. Again, did someone call and request this and has some plan to steal the money? We are told we have to wait for the explanation and checks to arrive in the mail. So, we can just freeze your ALL OF YOUR MONEY with NO WARNING and it is within their rights to do so? I don't care if they close our accounts but now we have no access to our money and no confidence that we will get it. It is a nightmare. It does not seem like it should be legal for them to essentially freeze our money with no warning or explanation. This is devastating.
Product: Checking or savings account

Dear CFPB, I opened a new Citibank Accelerate Savings Account on XX/XX/XXXX, under a promotional offer called the " Level Bonus Offer '', that came through the Citibank mobile application. The promotional offer was for {$450.00} for funding a Citibank Accelerate Savings Account with {$50000.00} or more. 

The promotion had a requirement to have the account funded by the 20th day after account opening, and keep the funds in the account for 60 calendar days afterwards. Then the bonus was promised to be paid 30 days after completing the funding activities. After signing up through my mobile app - I received an Email confirmation of the promotion from Citi on XXXX XXXX, XXXX. 

It has now been more than 40 days since the bonus was supposed to have been granted to me. I have called and messaged Citibank 5 times from the day the bonus was supposed to post to today ( XXXX XXXX, XXXX ). Each time, the Citibank Customer Service Representative says I qualify for the bonus and to call back in 5 business days. Each time I called back - there was no progress on my promotion dispute. A case was raised on XXXX XXXX, XXXX - and on XXXX XXXX, XXXX a response was given as follows : " Unfortunately, Promotion Code XXXX was not offered in conjunction with the above account. While Citi does offer cash promotions at times, those offers are only available to the individual to whom the offer was addressed. '' I called back Citi on XXXX XXXX, XXXX - who assured me that I qualify, that this was a mistake. I got the promo through the Citibank App, after signing in - so I'm not sure how I wouldn't be qualified. A new case was opened by Citi on XXXX XXXX, XXXX and I was assured it would receive escalated attention in XXXX business days. I called back on XXXX, XXXX, XXXX - and still no progress on my promotion. Furthermore, there is no email service provided to allow my promo confirmation email to be provided. 

I hope to get the bonus and help others going through the same bonus- to be aware of Citi 's issues in honoring this " Leveled Bonus Offer '' promotions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of XXXX XXXX XXXX XXXX ( XXXX ). This violation has led to an alleged case of identity theft, breaching XXXX XXXX XXXX XXXX. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt XXXX. In this case, the company has violated XXXX XXXX XXXX XXXX, which prohibits XXXX XXXX from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated XXXX XXXX XXXX XXXX, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


Disputed Accounts : XXXX - XXXX XXXX  - XX/XX/XXXX - {$18000.00} XXXX - XXXX XXXX - XX/XX/XXXX - {$750.00} XXXX - XXXX  XXXX - XX/XX/XXXX - {$730.00} XXXX - XXXX FIN - XX/XX/XXXX - {$540.00} Hard Inquiries to Be Removed I request the removal of the following hard inquiries unless verifiable, signed proof of my authorization can be provided : XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX CXX/XX/XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XX/XX/XXXX- XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score affected because of my XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I have XXXX set up with Bank of America. On XX/XX/19, I went on XXXX to search for tickets to a XXXX basketball game for my wife and cousins that were in town. Someone said if I used XXXX to transfer from money for the tickets, they would send them through XXXX. 

I sent {$220.00} from my Bank of America app using XXXX. The seller then stopped responding to me and blocked my number, I never received the tickets. The email I sent it to with XXXX was XXXX. I tried to call Bank of America and they said that since its a third party app, they can not do anything about it and that its my fault. I thought they since it was offered through THEIR app, there would be some sort of protection with it. She repeated there is nothing I can do about the matter. I called XXXX, and they said they can not do anything and to call my bank. The confirmation number through Bank of America was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Police Report attached. 

Fraudulent accounts to be deleted are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent/Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Experian sent me a notice my score increased XXXX points for a paymant made to affirm of {$98.00}, their reporting was from XXXX XXXX I stated that the account was paid in full on XX/XX/XXXX and filed a dispute on XX/XX/XXXX Today XX/XX/XXXX I get a notice my dispute results are ready, there response : The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
I go onto the XXXX website and get a letter of loan verification letter as follows : -- -- -- -- -- -- -- -- -- XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, Thank you for your patience while we gathered the debt validation materials requested in your recently received request. 
Based on our investigation, as of today ( XX/XX/XXXX ), the following information is confirmed : Loan Status : Paid in Full Responsible for repayment : False Below, please find further applicable loan details. 
You can access your Truth in Lending Disclosure and Loan Agreement for this loan as well as your payment history and schedule by signing into your XXXX account online at www.affirm.com. 
XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Loan : XXXX Date Obtained : XX/XX/XXXX Merchant : XXXX Purchase Amount : {$1200.00} Loan Amount : {$1000.00} APR : XXXX % Term : XXXX-Month Installment Loan Remaining Balance* : {$0.00} Paid Off Date : XX/XX/XXXX *Please note, for interest-bearing and non-charged off loans, interest accrues daily. The remaining balance being reported is accurate as of the date above. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I go back on Experian, file a other complaint, post this and call them, they give me a number to their dispute deparartment that is closed on the weekend. 

Experian also dropped my credit score XXXX points with no explaination. I have XXXX balance on all my cards my XXXX XXXX with exquifax and XXXX XXXX is at or above XXXX, for my good payment history, experian likes to keep bouncing me at XXXX on a regular basis, by utilization does not exceed XXXX XXXX  and I pay everything in full and do not incurr finance charges Inaccurate reporting seems to be the name of the game, no way did XXXX certify as they stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax wont remove XXXX XXXX XXXX from my account XXXX claim I was making payments from a XXXX XXXX checking account as Im about to present is a official letter from XXXX XXXX staying I never had a XXXX XXXX checking account so how could I XXXX XXXX make a payment under my name when they confirmed I never had a checking account with them and I never have lived in XXXX XXXX XXXX XXXX XXXX XXXX nj which I am presenting my drivers licenses with my address on it if XXXX does not remove this fraudulent account alone with Equifax I will sue them in court as it is a violation of my fcra rights also Equifax is reporting I have a XXXX card a XXXX auto loan and a XXXX credit card and a XXXX account which is not accurate they all must be deleted at once
Product: Debt collection

This debt has been paid in full but it is still showing negatively and is hurting my credit. this debt should be closed out. Please help. 

XXXX XXXX Account number XXXX
Product: Checking or savings account

My and my spouse are both independent contractors. In XXXX, we both qualified for the SBA EIDL disaster assistance loans. We signed our paperwork with the SBA and our funds were deposited. Chase Bank froze our accounts. My wife spent hours with the bank manager providing Independent Contractors agreements, My EIN, Schedule C 's of our taxes, everything we could show that we were independent contractors. The branch manager sent her home saying our accounts were being closed and that a check closing out our account should be sent to us in three days. Through the rest of XXXX and XXXX, we had weekly exchanges with Chase bank regarding additional information they requested. On XX/XX/XXXX, we faxed over EIN 's that were requested in order to unlock our account. We have now been told we need to independently pay a XXXX to prove that we are indeed independent contractors. We have our contracts, our pay stubs, our taxes, and EIN 's, and Chase is refusing to unfreeze our money. This is money that is a loan to us, so whether Chase returns or not, we still have to make payments on.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XX/XX/XXXX PLEASE UPDATE MY PHNOE NUMBER TO MY FRAUD ALERT:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX - XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX
Product: Mortgage

I am reaching out in hopes that someone who is reading this can try and help me in my unique situation. I am stuck in a hard spot where my ex-husband is required to sign a paper that the lender is requesting but I cant provide it because of the toxic relationship between my ex-husband and I. 

My lender is requesting a quitclaim document after they previously approved me for a modification and trial payments using only the income information I provided on my behalf. I am officially divorced from my ex-husband and have an official decree, but they are still demanding the document. My ex-husband and I have a non-existent relationship ; I am the sole provider and have been paying for the home since our divorce without any help from him. He hates me and has previously tried to cancel my plans for a loan modification. Again, I was previously approved for trial payments and a modification with just my information, but now they are still demanding the documents even though I have explained the situation. For example, I spoke with XXXX XXXX of Wells Fargo home loan department on XX/XX/2019 and he informed me that I could accept the trial modification, which I did, and that I did not need to do anything else at that time except formally accept the trial modification. Then on XX/XX/2019 I received a request for a quit claim document and divorce decree signed by my ex-husband, who has not been involved with this process at all.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I discovered multiple billing errors. The late payments do not correspond with my usual payment history.
Product: Bank account or service

Wells Fargo closed my account with them XX/XX/XXXX. I contacted their customer service department to figure out why my account was closed. They confirmed that because I had reported my card lost, they had to open a new account. I was angry and told them I did not wish to open a new account. I was left without a bank account for a while. Was unable to deposit/cash my work checks and I was unable to pay my bills. This caused me so much stress and decided to start with a new financial institution. 
XX/XX/XXXX, I found out Wells Fargo had gotten into serious trouble for opening accounts without people 's consent. I inquired on it and they sent me a form ( see attached ). I filled out the form and demanded {$800.00} for damages and time lost. XX/XX/XXXX I was contacted by their mediator by the name of XXXX XXXX. She said they were able to settle for {$400.00}. I accepted on XX/XX/XXXX, and was told I would receive my check within 20 business days. XXXX also said that the new account had a check deposited from my credit union account and later the money was withdrawn. She sent me a copy of the check and as I expected, it was manufactured. On XX/XX/XXXX I contacted XXXX once more, asking her about the check. She said I would receive it within the following two weeks. Two weeks have gone by and I have not received anything. I called her on XX/XX/XXXX and she did not call me back until XXXX/XXXX/XXXX saying the check was sent on Monday XX/XX/XXXX. I contacted Wells Fargo mediation department to confirm the information XXXX had given me and I was told the check has yet to be processed. The rep told me she would submit a request to have someone call me back with the correct information. I received a voicemail today, ( XX/XX/XXXX ). No one knew who contacted me so I was then transferred to a rep who said they could help me track the check. This person was unable to help me and was transferred back to their customer service department where I was told my request would be escalated to someone who would have the right information for me. This was the same person I spoke with on Monday ( from Mediation dept ). I am sick and tired of wasting valuable time from my day to deal with Wells Fargo. They have messed up with my finances XX/XX/XXXX closing my account without a valid reason authorized by me and opened a new account without my consent. I am extremely upset and demand {$1000.00} for the time wasted going back and forth with them XXXX and now.
Product: Checking or savings account

To whom it may concern, on XX/XX/XXXX, I XXXX XXXX had a XXXX XXXX at the ( XXXX XXXX ) at XXXX XXXXr XXXX XXXX, XXXX, GA XXXX. Prior to the XXXX all XXXX XXXX did to prepare me for XXXX was looked at my head, ran a comb through it for about 20 seconds, took some pictures and asked me when did I want to come in for XXXX. I am a XXXX XXXX and I take lots of medications for my XXXX and XXXX XXXX XXXX. 

Prior to XXXX XXXX XXXX never cleared me through my XXXX doctor or anyone else to see if I was a good candidate for the XXXX XXXX XXXX. After 6 months and 12 months I went back to XXXX XXXX and told him my hair was not growing. He looked at it and said it takes at least 18 months to see improvement and he told me to come back in 6 months. So I waited 6 more months for improvement and still there was no hair growth around XX/XX/XXXX. I called the XXXX XXXX and made an appointment to see XXXX XXXX in XXXX. When I went in to see him I wanted my money back because my hair didn't grow. Hw told me he had a new product called ( XXXX XXXX Therapy ) that he wanted me to try and that he would pay for it. I agreed to have it done but the product had to be ordered, so he told me to come back when the product came in. So I went back and got the XXXX XXXX   therapy and he told me to come back XX/XX/XXXX and not before so he can see if it worked. 

When I went back on XX/XX/XXXX, the XXXX XXXX had closed and his office was empty. At that moment I was in shocked and devastated, thinking my money was gone forever so I started crying! Since then, I contacted XXXX XXXX through Synchrony XXXX and filed a complaint with them. They said they would do an investigation and that they have a way of getting my money back from him because they have an account for XXXX XXXX from which they can take the money from. After 60 days I called XXXX XXXX back for a follow up and they told me the case was closed and that they did not do an investigation because they have their money and XXXX XXXX has his money. They sent me a letter telling me they were going to investigate the matter and that was all I have heard from them. I have attached the letter from Synchrony XXXX. The letter is in XXXX XXXX 's name because he is the primary card holder and he filed the complaint in my name as we live together. I have also attached several before and after XXXX photos of my hair. 

In closing, this is my second complaint filed against Synchrony XXXXk about this specific complaint. The first complaint was filed with the Georgia XXXX XXXX XXXX on XX/XX/XXXX and I haven't heard anything from them as of this date. I have also attached a copy of that letter for this complaint. I am seeking to recover the {$7000.00} I paid Synchrony XXXX for my XXXX XXXX that didn't grow my hair. XXXX and I believe this is the real reason why Synchrony XXXX  closed his account in the first place. They knew I was trying to get my money back for this case so they may have closed his account to keep us from charging {$7000.00} to XXXX XXXX thinking we would not pay the money back which is not the case. 

Respectfully, XXXX XXXX