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

I opened at CitiBank XXXX account on XXXX XXXX, XXXX for the sole purpose of getting the {$1500.00} bonus they offered if I kept {$200000.00} in the account for 60 consecutive calendar days. You then had to keep the acct open for 90 more days waiting for the bonus to fund. I did this. The bonus funded in XXXX, but it was for {$700.00} instead of {$1500.00}. I was then told when I called that the requirements stated that the 60 days began after day 20, thus meaning you had to keep the {$200000.00} in for 80 days. This bonus is still being offered, and the language now clearly states that the 60 day count begins after day 20. However, that wording was not present when I opened the account. Clearly, CitiBank realized at some point that this wording was missing, and added it later. 
I called CitiBank multiple times last fall to check on this 60 day ruling. I opened my account with a {$200000.00} deposit. I asked when do I start counting the 60 days. Is it from the date of opening? Or is it from the date you actually receive the money? Is it calendar days or business days? I was told over and over again that I would meet the obligation at the end of XXXX. I kept the {$200000.00} in the account for about 10 more days just to be on the safe side. I moved {$150000.00} out of the account in early XXXX, keeping {$50000.00} in the account to avoid a service fee until the {$1500.00} bonus funded.I actually have it in writing from a Citibank employee that I contacted via the app that I indeed would meet the requirements as of XXXX XXXX as long as I kept the account open for 90 more days. 

I have contacted Citibank many times about this to no avail. The last letter I got from them sounds like they do acknowledge that I should've gotten an additional {$800.00} but because I closed my account In XXXX, they can not fund it. This is just wrong. I closed the account at the end of XXXX because when I called to ask why I only received {$700.00} instead of {$1500.00}, I was told that I didn't meet the requirements for the {$1500.00} and that I would NOT be getting the additional {$800.00}. That is why I closed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLease take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Inquiries is not mine and it's totally XXXX, I'm not aware with those Inquiries. Please take an action with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED XXXX  AND ASK THAT YOU REMOVE NEGATIVE ACCOUNTS THAT ARE A RESULT OF IDENTITY THEFT. YOU CLAIM TO HAVE VERIFIED THE ACCOUNTS HOWEVER HOW HAVE YOU VERIFIED THEM AND THE COMPANY CANT EVEN VERIFY THESE ACCOUNTS WITH ME. THESE ACCOUNTS ARE FRAUDULENT AND I HAVE NOT SIGNED ANY DOCUMENTATION AUTHORIZING THESE ACCOUNTS TO BE OPENED. I HAVE NEVER HAD ANY OBLIGATIONS TO PAY ANY NEGATIVE FRAUDULENT COMPANY THAT YOU ARE CONTINUING TO REPORT ON MY CREDIT FILE. I will be forced to pursue legal action if these accounts are not removed. 
XXXX XXXX IN THE AMOUNT OF {$830.00} ACCT NUMBER XXXX PLEASE REMOVE IMMEDIATELY. 

RECEIVABLE PERFORMANCE IN THE AMOUNT OF {$300.00} ACCT NUMBER XXXX PLEASE REMOVE IMMEDIATELY
Product: Credit reporting

Consumer ID # XXXX This complaint is with a dispute filed with Early Warning Systems. They failed to have the company XXXX provide information used to validate the charge. XXXX reported to EWS that on XXXX/XXXX/15 I transacted or attempted to transact with an account in an unauthorized or prohibited manner. I am asking that XXXX or EWS provide the information used to validate this investigation. No information from the investigation was provided upon request. Further more they have inaccurate information in the file as far as address and phone numbers.
Product: Credit reporting or other personal consumer reports

XXXX and Equifax have failed to fulfill their legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX and Equifax have neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX and Equifax 's inaction violates federal law and my rights as a consumer. The accounts in question are below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Well I got a notification from experian that an account went current but they didn't change it then when I disputed it they didn't update it just kept it the same I've also submitted that my car account started in XXXX but they have it starting in XXXX I asked for that to be investigated for false information on my report and they didn't investigate just verified it and kept it the same and I sent them the car contracted that started in XXXX
Product: Credit reporting or other personal consumer reports

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.

( b ) Financial institutions safeguards furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative technical, and physical safeguards. 
( 1 ) to ensure the security and confidentiality of customer records and information ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such record and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer Your institution by law has an ongoing responsibility to protect the privacy and confidentiality of my nonpublic information.

You have violated my privacy and confidentiality of my records and information by furnishing to a non-affiliated party without my consent or given the proper financial pursuant 15 USC 6602 ( 8 ) You have obtained my information under false pretenses, displaying yourself as a creditor on my consumer reports, when you know that there is no contract between you Dept of education and me XXXX XXXX. You have no right or permissible purpose you knowingly possess uses and or transferred an identification of me without lawful authority, this is the definition of aggravated identity theft. 
18 United States Code 1028A- Aggravated identity theft Offenses- I have submitted an FTC report to the credit bureaus in hopes of a full investigation with proof of a contract or something with my wet signature that confirms this dept belongs to me. The credit bureaus failed me and did not complete a full investigation. They stated these loans were verified and accurate without providing any proof of accuracy.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX DATE - OPENED XX/XX/year> - BALANCE : {$140000.00} Account Name : XXXX XXXX - DATE OPENED XX/XX/year> - BALANCE : {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX mortgage loan, was transferred to XXXX mortgage company. Both companies are reporting incorrect information on credit reports. XXXX  XXXX XXXX was not sent to collections, it was Covid forbearance and then they transferred our loan to XXXX. XXXX is reporting late payments, when again our loan was in Covid Forbearance and then when we tried to make payments when told we'd have foreclosure process started on us.. XXXX had not updated their own system, so we had no account number for them to take payments. Our BOA loan was still considered the payment company and put our payments in a escrow account, until XXXX had completed the transfer of title. We never had any real late payments, yet are being charged fees, reporting of collections and late payments on all 3 credit score reports.
Product: Mortgage

We recently received our escrow analysis from Green Tree Mortgage and were informed that effective next month, our mortgage payment will be increasing by {$300.00} per month. They claim that there was " glitch '' in their system last year, such that while they paid our insurance premium, the amount had not been escrowed. As such, they are now raising our rate to compensate for this glitch to make up for a significant shortage. We were told that nothing could be done to rectify this, that it 's " simple math '', and to simply be thankful that they are spreading the shortage out instead of collecting it within 30 days. Even if we paid the $ 2500+ shortage out of pocket today, our monthly payment would still raise over $ 250/month to accommodate their " glitch ''. Needless to say, we are extremely disappointed & frustrated.
Product: Debt collection

I spoke with XXXX XXXX around XXXX XXXX XXXX XXXX on XXXX/XXXX/2015. They called to resolve a debt that I have with a XXXX Credit card. I agreed to pay XXXX installments of {$180.00} on starting on XXXX/XXXX/2015 followed by XXXX more payments taken out on XXXX/XXXX/2015 and the last payment on XXXX/XXXX/2015. I agreed to terms and hung up the phone. Later the same night I received an alert from my bank that a transaction was declined of {$180.00}.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX OF XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$180.00} ; XXXX XXXX XXXX Balance : {$4800.00}
Product: Debt collection

Original complaint filed XXXX/XXXX/XXXX - Case Number XXXX. Response from CFPB received XXXX/XXXX/XXXX with the Response : " FBCS has removed all this third parties information. There will be no more calls or letters to the individual. '' FBCS lied to the CFPB. On XXXX/XXXX/XXXX, I was alerted that FBCS placed a bad debt notice on my wife 's credit report despite the fact she is not the person who owes the debt. Her name is not the same, she has never been a XXXX XXXX customer. She has lived at the same address as me since XX/XX/XXXX, and XXXX XXXX has no service contract in our area, so neither of us could possibly owe XXXX any money. 
XXXX has been contacted to dispute the debt and the bogus name that FBCS falsely reported as being an alias. This company is lying every way it can to extort a payment we do not owe. Seriously, our credit report indicates every account we hold is paid in full every month and has been for years, covering tens of thousands of dollars. This is an extortion attempt over {$290.00}. This is a stupidly small amount and if either of us owed it, we 'd pay it outright ... BUT WE DO N'T AND WE WO N'T PAY IT. 
Not only does FBCS need to back away from their demand, they also need to clear the fraudulent alias they filed with Experian from my wife 's credit report. There is no " XXXX XXXX '' in this household, never has been, is not an alias my wife has ever used and FBCS 's claim otherwise is a lie. The company is doing damage to my wife 's actual good name and good standing, which is criminal.
Product: Credit card

On or about XX/XX/2017 - I applied for Chase Saphire Card. I have credit score of XXXX. But my card is rejected it seems. How come they can reject my application even with this high credit score? Moreover this application hit my credit score by XXXX points.
Product: Credit reporting or other personal consumer reports

XXXX Credit Bureau records show that my Chime credit card currently has a balance of {$650.00}. However, the correct balance is {$0.00}. I disputed the amount with XXXX Credit Bureau, but they said that Chime informed them I still owe {$650.00}. I disputed it with Chime, and they denied reporting that information to XXXX Credit Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple hard inquiries on my report that I did not authorize
Product: Bank account or service

My name is XXXX XXXX. My father XXXX XXXX passed away XXXX XXXX, 2015. In his last will and testament he appointed me ( XXXX XXXX, his son ) as the executor of the estate. He had XXXX accounts with Chase bank with the total amount of {$280.00}. I attempted to retrieve and close out the accounts as the executor of the estate by providing the bank with a copy of the will and a copy of the death certificate. However, I was told by bank officials that they could not disperse the funds unless I filed with probate. The cost of the application to file with probate is {$150.00}, not to mention, I would have to take a day off from work to fill out the paperwork and submit the application. Obviously, this would not make sense for me to do. What can I do to resolve this issue. In this particular case I would think due the amount of funds, there should be an exception to filing probate. By showing a copy of the will and a copy of the death certificate to Chase Bank officials should suffice to resolve the issue. Please provide any feedback that will help resolve this issue.
Product: Money transfer, virtual currency, or money service

I have been trying for 4 months to close my Paypal account and the company refuses to close it. I do not want the Paypal account in question open, nor do I want it associated with my name. Please assist me in getting this account closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to send dispute results and is reporting the following items inaccurately ( see below ). This violates the FCRA. 


ACCOUNTS XXXXXXXX XXXX XXXXXXXX never late INQUIRIES XXXX XXXX XX/XX/2019 unauthorized XXXX XXXX XXXXXX/XX/2019 unauthorized EQUIFAX XXXX XXXX XX/XX/2019 unauthorized XXXX XXXXXX/XX/2019 unauthorized XXXX XXXX XX/XX/2019 unauthorized XXXX XXXX XX/XX/2019 unauthorized
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific accounts from my credit report in light of a recent data breach that has compromised my personal information. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Below is a list of accounts that I believe should be blocked and deleted : XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX  XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1100.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$3000.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$2300.00} XXXX. XXXX  - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$00.00} Additionally, I request that you also investigate the following inquiries, as they XXXX be a result of unauthorized access to my personal information : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter with my credit report highlighting all the errors on my credit report. However, we have allowed furniture providers to violate the FCRA Act under Article 623 ( a ) which states, prohibits furnishers from reporting information to a CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurateXXXX The statute defines reasonable cause to believe that the information is inaccurate to mean specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. DSNB MACYS HAS BROKEN THE LAW WITH GIVING INACCURATE INFORMATION TO ALL THREE CREDIT BUREAUS ... CHECK THE ATTACHMENT BELOW... LIKE HOW IS THE DATE OPENED INCOrRECT ON ALL THREE... IS THIS ACCURATE? LIKE HOW IS THE DATE REPORTED INCORRECT ON ALL THREE BUREAUS. OVERALL, HOW IS THE DATE LAST ACTIVE INCORRECT... PLEASE READ ATTACHMENTS. I PRAFULLY YOU DELETE DUE TO YOUR MISTAKES OF MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in XXXX. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SYNCB/PHILLIPS XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The removal of XXXX of the inquiries was taken off from XXXX XXXX XXXX XXXX However, the other XXXX were still left there. They are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
There was also a new one from XXXX which was not completed by myself on XX/XX/XXXX. 
Also, XXXX XXXX XXXX PA, XXXX XX/XX/XXXX, I have no knowledge of this. 
Also, XXXX XXXX I on XX/XX/XXXX. 
XXXX XXXX XXXX on XX/XX/XXXX, and XX/XX/XXXX. This is my personal credit account, and I did not allow business inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request for XXXX please. the inquiries that I did not authorized are in the letter already. please review
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted these credit bureaus as it relates to my credit profile. XXXX, XXXX, and Transunion all have inconsistent information on my profiles from Names, Addresses, Employment, Phone numbers and even collections on my report. I have sent in my correct name, address as should appear on my report and asked that all others unknown be removed, this has yet to be done. I also disputed some unknown collections asking for an investigation, which was done in a matter of days and there was no resolution. I did not give them permission to report anything on my credit and have written and called several times asking them to remove this invalidated collections, which to date they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or before XX/XX/XXXX and XX/XX/XXXX respectively, I sent dispute letters to XXXX, Equifax and XXXX  requesting verifiable proof ( an original Consumer Contract with my Signature on it ) in accordance to the Fair Credit Reporting Act, Section 609 ( a ( ( 1 ) ( A ). Information on my credit report does not belong to me and the credit agency did not remove the accounts from my credit report. The credit report agencies has not verified or removed questionable accounts on my credit report. This is causing me stress, high interest rates, and loss in employment opportunities. And opportunity to obtain a mortgage loan to move into a save community to raise my daughter. In XX/XX/XXXX, Equifax announced a data breach that exposed the personal information of 147 million people. As well as XXXX  announced a data breach and I believe I am a victim. I am requesting XXXX XXXX  dollars for pain and suffering.
Product: Credit reporting or other personal consumer reports

There are credit cards opened under my name, and I believe its fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Opened XX/XX/XXXX ; Limit : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, Phone # : XXXX XXXX. XXXXXXXX XXXX XXXX ( XXXX ) - Opened XX/XX/XXXX ; Limit : {$1000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, Phone # : XXXX And there are inquiries as well : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Incorrect personal information as well : XXXX. Name : XXXX XXXX - should be XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX NY XXXX ; should be XXXX XXXX XXXX, XXXX, CA XXXX