23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I have an account with Gemini. I was trying to send over funds and the service froze. After trying to send more funds to another account the server was overfilled. I froze my account and now want to unfreeze it to use my funds. I can not get into contact with the support team and need your help.
Product: Bank account or service

Last fall, Citibank offered a {$400.00} interest bonus as part of a promotion for depositing {$15000.00} in a newly opened checking account and leaving the funds in the account for 30+ days. I opened a new account with them on XX/XX/2016 with a {$15000.00} deposit, and left all the funds in the account for 35 days. The Citibank promotion said the {$400.00} bonus would be paid within 90 days of meeting the deposit requirement. We are now well past the 90 day time period, and I have not received the bonus. I opened up a case with Citibank 12 days ago to see why they did n't fulfill the promised bonus, and they have not responded. Since I am getting no response from them, I hope the CFPB can help me to get a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX failed to remove a debt from my consumer report after requests for them to provide validation pursuant to the Fair Credit Reporting Act. Two collection agencies failed to validate the account but XXXX XXXX still reports it on my credit report. 

Please see the attached documentation and court filing for further information.
Product: Credit card or prepaid card

My MasterCard was previously administered by XXXX XXXX  and worked fine until it was taken over by Comenity at this URL : https : //d.comenity.net/XXXX I was promised {$100.00} cash back after spending {$500.00} and never received it, though I spent {$800.00} by XX/XX/2002. 

I also have XXXX Reward Points which I am unable to redeem for {$25.00}, despite many attempts, including today. Every effort leads to the Website freezing up. 

Moreover, Comenity misrepresented the offer of points earned, as they pay only 50 % compared to other banks. Their entire operation appears to be based on deceiving the customer. 

I have sent numerous emails to the company but they did nothing to remedy the problem.
Product: Credit reporting or other personal consumer reports

Experian refused to throughly investigate and to stop furnishing certain accounts that have been identified as ID Theft. A theft report filed with the FTC was sent to Experian listing out all my fraudulent accounts along with my personal statement as to why they are fraudulent. 
Experian stated that I knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block. Experian declined my request to block one or more of the items of information. 
This goes against my rights as I identified to Experian there was ID theft and that my personal information had been tied to several breaches including the XXXX breach. 
Pursuant to section 623 of the FCRA section A ( 6 ) & A ( 2 ) furnishers may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. It also states that if a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. 
No investigation was done, no creditors were notified to validate correct information and therefore Experian has went against my consumer rights.
Product: Checking or savings account

I tried to open a chime account and an " extra '' debit card builder account but both banks/companies were not able to verify my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Child support has reported that the case is closed and balance paid.in 2018 and has not reported to any credit reporting agencies since 2018 .I have sent all 3 credit reporting agencies asking for it to be removed .they said no I sent a letter to child support asking do they report to the credit bureaus .child support sent me back a letter saying no they do not.I sent a copy of that letter and a letter asking for them to remove it and still cant get them to remove them
Product: Payday loan, title loan, or personal loan

This is the first time I 've been late with this company World Finance in XXXX, Ga. I 've been harassed for weeks. My due date is on the XXXX of the month and I spoke to the branch manager few days after my due date and explained I was trying to come up with the money. I have switched jobs and we are trying to get on our feet. This company 's will start early in the morning and repeatedly call me from multiple numbers ever day and continue over and over again. They are also calling me from unknown numbers and when I do n't answer those they call right back from another number and continue it over and over again. I have saved under contacts at least 8 numbers they call me from. This is harassment and I want it to stop!
Product: Student loan

My student loans were transferred to XXXX from Nelnet. I completed my loan forgiveness and XXXX has account closed. Nelnet, althoguht transferred my account, continues to show a balance on my credit report. I have contacted them twice and their response is they dont adjust because I am the consumer requesting this. XXXX was unable to resolve my dispute. 
I would like for them to close the Nelnet as paid off or transferred on my credit. 
It is still listed as active loan. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX Bankruptcy Case Number : XXXX, XXXX XXXX Account Number : 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 states a consumer reporting agency can not furnish accounts without my written instructions.
Product: Mortgage

This is a classic " bait and switch '' case in which a Citi broker provided misleading information in order to try to close a deal. The result is that it is adding a month to my closing date and putting the deal in jeopardy. My wife, our dog and I are now in rotating short term housing, paying a fortune in rent due to this misinformation. Added to this, a total lack of communication, and you have a hugely frustrating and expensive situation - all due to the broker 's greed. 

What happened : We are in the process of buying a house in XXXX. We were working with XXXX mortgage brokers to make sure we got the best deal. We went ahead and ordered appraisals through XXXX XXXX and Citi. XXXX XXXX came back on XXXX XXXX 2015 with a favorable appraisal ( in writing ). Citi had offered a lower interest rate and, worried that XXXX XXXX was going to get the deal, advised on Monday XXXX XXXX that their appraisal on the house was higher than XXXX XXXX. I therefore advised XXXX that I was going to go with Citi. XXXX then cancelled the application. There was no communication from Citi all week when I tried to set a closing date. They did n't respond to calls and emails all week. They then emailed at XXXX on Friday stating that their appraisal was much lower than confirmed on the phone and if I wanted financing for the house at the previous level there would be all kinds on new costs and restrictions including having to keep assets of $ 100k in a Citi account prior to and after closing. 

Again, scurrilous sales practices paired with no communication after makes for very unethical behavior.
Product: Student loan

In XXXX I noticed a spike on my credit score and I did an inquiry. On XX/XX/2021, I did a periodic credit report check and found that my student loan account was listed as closed. I'm trying to find out what happened, who reported it as closed to cause the score spike. When I called Navient, they said to me, the account was not closed. I understand that. But what I'm trying to find out, what did Navient or the credit bureau do that caused the credit score spike? Today, when I called XXXX to find out what happened back in XXXX, they couldn't answer my question. Because my student loans were initially XXXX XXXX, I just want to make sure my student loan wasn't one of those account paid off and it's not being reported properly or I wasn't properly informed about the debt being paid off. I wasn't and haven't been satisfised with Navient 's response.
Product: Debt collection

I have not been to any hospital and they are charging me endless amounts of money that I have nothing to do with.
Product: Payday loan, title loan, or personal loan

I applied for a personal loan with discover on XX/XX/XXXX. I was prequalified and was told in order to accept the loan they need todo a hard credit check. They did and I was approved ; I provided all the information I needed and was told within 24-48 hours I would receive an email to accept the loan. A couple hours later I checked the application status and it said I wasnt approved for the loan. I called and was told its a glitch in the system and give them 24-48 hours to fix it. I kept calling and was being told differently every time. I call on XX/XX/XXXX and was told its because my credit reports are frozen the problem occurred and I need to unfreeze them to proceed with the process ; I asked will it be another hard inquiry and was told no by XXXX XXXX. However I am seeing multiple hard inquiries from Discover. Its been 7 days and I am still waiting on an answer from them. This is unethical and I need discover to remove these hard inquiries and provide the proper reasoning behind the delay in processing.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 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. 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I formally request that this inquiry be immediately deleted from the credit file that you maintain under my Social Security number. Also I want to remind you that this inquiry is 2 years 1 month old. It should be removed from my credit reports.

WF CRD SVC Inquired on XX/XX/2019
Product: Debt collection

Repeated attempts have been given to, PORTFOLIO RECOVERY, to cease and desist communication and remove negative reporting on my consumer report. They have refused notice to communicate and negative reporting. They have also failed to provide accurate information or proof of debt. I have disputed with the credit agencies and they have also refused to adhere to my request to remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISCOVERED THAT THER IS XXXX XXXX XXXX ACCOUNT ( XXXX NO : XXXX ) IS REPORTING IN MY CREDIT REPORT. I'VE NEVER HAD XXXX ACCOUNT. THAT IS WHY I FILED FTC IDENTITY THEFT REPORT AND SUBMITTED THAT DOCUMENT TO THE CREDIT REPORTING AGENCIES. ALL THREE REPORTING AGENCIES, EXPERIAN, XXXX, AND XXXX DELETED THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT, BUT RECENTLY EXPERIAN REINSERTED A FRAUDULENT ACCOUNT BACK TO MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT.
Product: Debt collection

Asked a debt validation havent received anything I dont know the debt collector nor creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have someone else 's name and personal information linked as an ALIAS. This is not true and I have no connection with this individual. His information causes me problems when background checks are performed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My federal student Loans were discharged, based on a borrower defense application that was filed in XXXX. My Loans are suppose to be deleted from my credit file, permanently, within 90 days, which will be XX/XX/XXXX. I received an email from the Department of Education stating that my student loans were approved for discharge, then I received an official letter through the mail, stating that my loans were approved for discharge, and that They should be reporting a XXXX balance, or deleted all together, within the next 90 days, as of XX/XX/XXXX. 90 days will be XX/XX/XXXX. When I received the email, I printed it out, sent a letter to my Loan Servicer, and all 3 major credit reporting agencies. The only one that complied was XXXX. XXXX, and XXXX, still show balances, and The Loan Servicer, gave me some lame excuse, about not reporting a XXXX balance, as of yet, when I clearly sent them the proof, that my loans should be deleted.
Product: Debt or credit management

Repeated calls daily at all hours day and night. Very distressing. Harassment. Looked them up on XXXX and found they have several violations and are a debt collector.
Product: Debt collection

I cleared out my checking account when I left town and XXXX XXXX XXXX XXXX over drafted the account I closed. I dont even know how this happens. Ive tried sending money multiple times over many months and it hasnt worked. XXXX XXXX has tried ruining my credit over {$8.00}. I would gladly pay the money if she communicated how. She should lose her job over this.
Product: Credit reporting or other personal consumer reports

This CFPB Complaint is being filed due to Experian not Complying with CDIA and FCRA Guidelines by furnishing Unverified/Inaccurate information on my credit report. As per CDIA Metro 2 guidelines and FCRA 15 U.S.C. Sec 1681c, this information must be corrected or removed if unverifiable .I have attached a copy of my dispute containing the details of errors & violations. I Have also submitted a complaint to the XXXX XXXX XXXX in regards to the violation of my by XXXX XXXX as well as damages caused by these " errors ''. The account in violation is reported as XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In previous months, I requested to CREDIT BUREAUS to update the inaccurate accounts which another credit reporting agency found to be inaccurate and had corrected. Due to lack of response which I classify as frivolous, CREDIT BUREAUS have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them one more chance to correct their errors and FIX my records. Please update the following accounts, DEPTEDXXXX  XXXX Balance {$2000.00} and DEPTEDXXXX XXXX Balance {$4500.00} which XXXX, Equifax and XXXX have failed to provide proper verification and another bureau has found to be inaccurate. CREDIT BUREAUS have 30 days to FIX the accounts listed.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX  # XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX -- -- UNAUTHORIZED INQUIRY 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Balance : $ {$2500.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 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: Mortgage

When I try to calculate my payment amount, the " formula '' Chase gives me that they use never comes out to the same amount due for my monthly payment. They say the difference is in the rounding and I do n't think that is the complete truth since the difference is usually higher than an amount that a mere hundredth rounding would leave. <P/>I would like to know : 1. Are they allowed to add the late fees amount into the balance that they use to calculate my monthly payment and if so where is that stated? <P/>2. Are they allowed to report to the credit bureau that my account balance due includes their monthly interest payment and their late fees ( accrued after my husband died while I was trying to get financially back on track from loss of income ) instead of the actual principal balance I owe?
Product: Credit card or prepaid card

Me and my wife both making the same household income requested credit from American express. We both filled out applications the same date for the same card. I'm denied, she was approved. I feel its discriminating here is why. She is XXXX & I'm American, she has no credit established & I have no credit established. I have a calculated risk score that is being used against me & she does not have any such score to be used against her. In all aspects of this we have the exact same credentials. Mine is on document in the U.S. and hers is not. The reality of this is that U.S. citizens are being discriminated on by our social security numbers and the 3 credit  minitoring agencies. XXXX are not applicable for this to be used against them. This is plainly discrimination. 

XXXX-no credit established= accepted American-no credit established = denied In my opinion its controled by our government to keep the poor from escaping financial ruins. If this is not racist, prejudice, then its for sure discrimination!
Product: Checking or savings account

XXXX this was the first call made to me to verify the {$2200.00} withdrawal I made. They said they werent able to verify it was me and they had to escalate it to the security team. I was told to wait up to XXXX business days for them to review the account XXXX I called back and talked to a supervisor ( XXXX  XXXX and was told that an Affidavit will be mailed out XXXX business days to verify my identity. 
XXXX-The affidavit was to be sent out on the XXXX and for me to receive it on XX/XX/year>. I was told that after receiving, filling it out and sending it back, it would takes XXXX business days to review. ( XXXX ). 
XXXX I called back to check on the status and an employee ( XXXX XXXX told me that I now had to wait XXXX business days. 
XXXX XXXX I got the affidavit and sent it out the same day. They were supposed to receive it on XXXX XXXX I called to check and see if they received it and they hadnt. 
XXXX I called again and they said they still didnt have it but they were able to take the lock off my account after asking me if I approved the transfer that was made. It looks like they never needed the affidavit. I tried to now transfer the money out and I was told that it has to go back to the bank I deposited it from ( XXXX  ) and they are not able to do it from their end. In order to transfer the money to my XXXX account, I tried to link it to my XXXX account but o wasnt able to because they are not compatible with that bank ( even though they accepted the deposit ). The other problem is XXXX doesnt let you add cash to the account from a linked bank, it only lets you deposit/cash out the money. I explained all of this to them and they said that my only option is to keep the money in the account for a certain amount of time ( which they cant give me an exact time period ) in order to be able to transfer the money to a compatible bank. Otherwise it will be flagged as a quick money movement. 
XXXX they said that they can cut me a check for the {$2000.00} that was stuck and I said okay. I tried to withdraw the money o had leftover in order to get ready to close my account. 
XXXX I try to login into my account to find that Im locked out. I call to get it resolved and they take the lock off my account but still have a fraud alert on my account even though I just went through this whole exact process which got cleared up on XXXX.
Product: Credit reporting or other personal consumer reports

I opened my credit report and I noticed it was an account from XXXX XXXX in the amount of XXXX reported on XX/XX/year>. I am highly upset this is not my account and violation of my rights and fcra laws. 

Please remove this from my credit file or show my a contract bearing my original signature showing that I opened this account. 

Sincerely XXXX XXXX
Product: Mortgage

My union lawyer is trying to get documents showing my Coop is paid in full. Mutiple emails and phone calls main and no response from Ever Bank. I have a sale in progress which is about to fall through due to the bank not responding. The bank opened a second XXXX several years back but only closed the first one. The second one is still open even though it is paid in full for several years.