23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to formally submit a complaint regarding an issue with my Citi credit card bonus offer and the banks poor customer service. Below are the details of my complaint : I applied for a Citi credit card in XX/XX/XXXX and was approved on XX/XX/XXXX. The card came with a sign-up bonus offer of XXXX points after spending {$4000.00} within the required period. However, I did not receive the physical card until XX/XX/XXXX, approximately 47 days after approval. 

Upon activating the card on XX/XX/XXXX, I checked the Citi bonus tracking system, which shows that I must complete the {$4000.00} spending requirement by XX/XX/XXXX. This gives me only 43 days to meet the requirementsignificantly less than the typical three-month period. Additionally, my credit limit is only {$2000.00}, making it nearly impossible to reach the spending goal in this limited timeframe. 

This issue was caused entirely by Citibank 's delayed card delivery, which was beyond my control. I contacted Citibanks customer service before activation to confirm when the bonus period starts. A Citi representative assured me that the bonus spending period would begin upon activation ( XX/XX/XXXX ), meaning my deadline should be in XX/XX/XXXX. However, after activation, I found that my deadline remained XX/XX/XXXX, contradicting Citis prior assurance. 

I contacted Citi to request an extension of the bonus period or an alternative resolution, such as waiving the annual fee, given that their delay significantly shortened my spending timeframe. However, Citi was unwilling to accommodate my request, despite the fact that this issue was caused by their late card delivery. 

My Request to Citi : XXXX. Extend the bonus spending period to ensure I receive the full three months, starting from the card activation date, to meet the {$4000.00} spending requirement. 
XXXX. Waive the annual fee as compensation for the delayed card delivery and misleading information regarding the bonus period. 

I pay an annual fee expecting quality service and transparency, yet Citis late delivery and inconsistent customer support have caused significant inconvenience and unfairly reduced my ability to earn the promotional bonus. Citi should not penalize customers for delays caused by their own inefficiencies. 

I request that the CFPB investigate this issue and ensure that Citi honors its commitments to customers fairly. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

For over a decade I have been denied credit by USAA, that uses XXXX XXXXXXXX XXXX which they are in partnership with. They deny me with vague and non specific language. I have never got any loan with them. I am forced to apply for high interest loans with other companies, even though USAA claims to save their " members '' money. I can't get out of the hole with high interest loans, pay day loans and pawn shops, I make XXXX per year and yet this is not enough to get a {$2500.00} loan form USAA. I may not live to 100 and have perfect credit to satisfy their stratospheric loan requirements. I believe they are discriminating against me. 

Their is no rep to call, appeal process or address to write to, they just offer the free credit report. I am tired of being a victim to a non-human AI computer, that sees me as just a credit score. I could make XXXX XXXX per year and USAA still would not give me a loan. I have had problems with checking, auto loans, insurance and I still can't get a small personal loan, even if my life depended on it. USAA advertises on the TV and makes extraordinary claims on how they help people in the military but, I feel more like a victim than member. All the high interest places will loan me money at a high interest rate. Does USAA invest in them and then profit off the misery of their misled members?
Product: Credit reporting or other personal consumer reports

I was checking my credit score on XXXX using a different crediting agency other than credit karma and I noticed about 50XXXX inquires on my account that I know I never authorized. I have not opened up anything with my credit. I have had an issue with my credit since I was a child when my mother used my credit for cable I need help with taking these things off of my credit. Here is a list of all of inquires not made by me. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCIALXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. some of them more than once.
Product: Credit reporting

I still have a 90 day fraud alert on my credit report, where I expressly did not want XXXX nor did I request XXXX. I am submitting XXXX pieces of ID for verification and I an requesting the the 90 day fraud alert be removed ASAP. 

Additionally my report has XXXX number on it that are not mine, namely XXXX XXXX XXXX XXXX Residential XXXX XXXX XXXX XXXX Residential please have these removed as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Source XXXX XXXX  / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX Florida Balance date XXXX XXXX, XXXX - {$600.00} Last year of XX/XX/XXXX I was a victim of identity theft - Ive had made a dispute with the other Credit bureaus and still havent received a call or email or follow up about it My biological mom and her second husband were the ones who misused my information Ive went to our police station XX/XX/XXXX and have reported the crime.
Product: Debt collection

On XX/XX/21, I received a notice to pay or quit, this says it is an attempt to collect a debt because I have not paid rent. However, this document shows false information, misleading statements, and incorrect amounts. This notice is labeled as a Covid-related matter that is irrelevant to this matter. In addition, the document requires I sign a declaration and proof of service with a 15-day time frame, and failing to do so can result in eviction, fines, recovery fees, etc. I can provide legal proof with the creditable government documentation in regards to the actual facts behind the motive as to why I am being addressed, wrongfully evicted, and harassed.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I informed my banks branch manager about a check error on a check that I deposited previously that day in the amount of {$15000.00}, I also informed them about a non authorized check that I hadn't endorsed & I would like them to canceled it. ( My bank polices states that errors or discrepancies are to be reported as soon as possible ) *After notifying my bank branch manager it was stated that my account would not be affected, that my bank would just charge a returned check fee in the amount of {$29.00}. However my account was frozen and I was accused of check fraud by my bank. ( My bank policy states a disclaimer of warranties. stating that Navy Federal 's representations, warranties, obligations, and liabilities, and my rights and remedies, set forth in their agreement, are exclusive. ) * Meaning I have the exclusive right to action by my bank and myself when informed of any membership service delay 's, errors, failure of procedure, and material use of product services offered. * My bank was supposed to prevent the error from being processed and make a note of the situation, to prevent any further delays and or at fault misconduct that may have arisen due to police warranties and disclaimers, My bank instead blocked me from my account and accused me of check fraud. I do believe I'm a victim of breach of XXXX  that my bank failed to meet expected standards and violated contractual obligations as well as deceptive practices due to possible finical gain of the bank on behalf my account access to a money market account by way of check writing thru an acquired trust fund in the amount of {>= $1,000,000}. ( Warranties and disclaimer policy XXXX XXXXXXXX all information provided to Navy Federal is accurate and true. Also policy title Error or Discrepancies - report all errors as soon as possible. ) I also believe that the banks actions and omission may potentially be the direct cause of harm and does pose a financial loss.
Product: Credit card or prepaid card

Someone at one of the places that I've used my card at, apparently either took a picture of my card or wrote down the card number, exp date, and CCV and tried to use my card twice to get XXXX. Both of these charges are showing on my card, but yet when I call XXXX, they can not find any account associated with me or my wife or my card number. So they have no idea where the charges came from. We have been fighting with Chime to get a refund on XXXX fraudulent charges made on XX/XX/XXXX and XX/XX/XXXX to XXXX. I have even sent them a recording from XXXX where they state they can't find anything in their system for us or the card. But yet Chime keeps denying the dispute and using the reasoning that since there was a deposit made on the card ( this is my husband 's paycard and he gets paid every week ) that we knew about the charges.?? I have explained that to them, sent them a copy of all deposits showing it's his paychecks, sent them a copy of the recording from XXXX ( multiple times ) and we are still being denied the dispute.
Product: Mortgage

Carrington home mortgage services has been servicing the account for the last several years and had just begun ( without any notification ) to add a convenience fee to my online payments. This is in direct violation of FDCPA section 808. They are charging an excessive, non agreed upon fee, to a debt. 
On XX/XX/XXXX I was checking my account for some other purposes and noticed the new add on fee and immediately called CMS to try to rectify the issue. I was told that since the state of New Jersey does not have a state FDCPA they are not in violation of the federal FDCPA. I believe their actions are a class action suit waiting to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name on and age on all three of the main credit reporting agencies is incorrect I disputed it with XXXX and was granted a little correction but still have adverse information showing signs my idenity is not secure.
Product: Credit reporting or other personal consumer reports

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( i ) ( b ) [ 15 U.S.C 1681n ]. Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$XXXX}. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports. I will consult with my legal counsel for suit. This includes listings of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within XXXX calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 


XXXX STOPPEL PARAPHRASE : I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX XXXX I XXXX PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT EXIST
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ________ These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second notification informing you that the following inquries are fraud At home XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, I have not applied to these companies. Delete this
Product: Checking or savings account

A few months ago, I lost my wallet, which contained my Wells Fargo debit card along with a note that had the PIN. Shortly after, someone deposited fraudulent checks into my account and withdrew funds. I reported the incident to Wells Fargo, but they denied my claim stating that the PIN was written down. However, I believe the use of fake checks and the subsequent withdrawals clearly indicate unauthorized criminal activity. 

Later, when I received my direct deposit paycheck, it was used to cover the negative balance caused by the fraud. As a result, I lost my entire paycheck and the bank offered no further support or protection. 

What I want the company to do : I am requesting that Wells Fargo reopen my case, investigate the fraudulent check deposits and withdrawals more thoroughly, and reimburse me for the losses. I also request better consumer protection in situations like mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, this is a complaint i want to do to about all credit reporting agencies. 
But I will use examples from just one ( XXXX  ) since they are the only ones i had the chance to contact because I just physically dont have the time to do that since it takes hours and hours to even get a hold of them. 

So first thing is that with XXXX  i can't even do a dispute online, when i click to do a dispute online I'm told that I can't do it and it doesnt tell me a reason and im told to call in. 
next thing is that it takes forever to call in because I literally had about XXXX minutes of automated phone time because there is no clear choice to pick from and even if you do pick something close to what you need, it takes you to a automated answering part and then hangs up. 

My next and most important complaint is the dispute part. I just not got off the phone with XXXX  XX/XX/2019 and their words to me where " we are just the middle man, and we are not responsible to verify that the information reported to us is accurate '' So what is this all about? I called them to dispute some credit card accounts that are showing up on my name that have high credit usage that are not mine. Also to dispute inquires that are showing up in my name that I have never authorized. 
But instead of help I'm told by Experian that they do no dispute Inquiries and I my self have to contact creditors. 
Also they told me they will not dispute the credit cards accounts that I'm telling them are not mine because they are telling me that Credit card companies are reporting it as my credit cards. I mean what kind of nonsense is that?! 

Its like if I were to go out and ask you for you name and you told me its XXXX XXXX, and then someone comes up to me and says " hey this guys name is also XXXX ''. And I was to believe them over you and then take that information and start telling everyone you are lying about what your actual name is. 

This is ridiculous! Why in the world do credit bureaus have so much power but no accountability. Apparently they can report anything they want. I seems that they just go out into the wold and collect any junk information and just slap it on your credit report. And then, I have to go and fix it because they havent done their due diligence to verify the information. 
Information shouldnt be reported on a credit report until it is first verified with the person that its being reported about. 

How can I complain about all this. These Credit Bureaus need to be held accountable and need to by put on Trial.
Product: Debt collection

XXXX XXXX sued me where I did not live on XXXX alleged accounts they say I owe. They sued me in XXXX County Justice of the Peace Precinct XXXX, when I live in XXXX County over XXXX miles away. I gave them my address and contact information, however they continued to pursue the suit in XXXX County. It was n't until I informed them that I would exercise my right under the Fair Collections Act did they finally drop the suite in XXXX XXXX. They knew of my address long before they filed suit in XXXX County and even used a XXXX lawyer that was located less then XXXX miles from my home to process the suit in XXXX County, even though they have many lawyers in XXXX XXXX that handle local lawsuits for them. They were hoping I would not notice the lawsuit and I would n't have noticed if it was n't for a local lawyer soliciting his services to defend me and informed me I was being sued by XXXX XXXX. I have denied this debt to them and even sent them a validation letter once I got word of the suit. They never notified me of the this debt prior to filing these suits as well as filling it in the wrong county XXXX miles from my residence. The following alleged accounts they say I owe include ( Citibank ending XXXX ) and ( XXXX XXXX ending XXXX ).
Product: Debt collection

I Called XXXX XXXX starting on XX/XX/XXXX to resolve at debt that I owed in the amount of {$320.00}. this company could not find my account. I informed them that it was in Collections, they then informed me to call the collections agency that they no longer had that account. I then called the collection agency and they could not find the account. I had a order number that I gave the collection agency and they were able to find my account. the collection agency then informed me that they returned the account back to XXXX XXXX. I then called XXXX XXXX on XX/XX/XXXX and informed them that the collection agency says they no longer have that account and I gave XXXX XXXX my file number once again and they were able to find the account. I asked if i should pay them, XXXX XXXX, or the Collection Agency they said that i could pay either one. Before agreeing to pay i asked the associate that i spoke to " Once payment is made in full will the Charge Off be removed from my credit report and He answered yes.I then asked him if he was sure he repeated yes, he assured me as soon as there office receive full payment that the charge off would be removed from both credit bureaus.I sent a cashiers check in the amount of {$320.00} to XXXX XXXX XXXX XXXX. I then called XXXX XXXX Back after payment was made, spoke with a supervisor and He said that they would not be removing the charge Off from my credit report. He Said " that he could but he would not because it is not company policy ''. I informed him of the conversation that i had with one of their Associates and i gave him that persons name. I explained to him that that was unlawful what they did to me.He then apologized and said he was going to have a coaching/training meeting this supervisor said that he that he could return my money and leave the credit report as it was.This is Larceny by conversion and this company has yet to report the the Credit Bureau that the debt has been paid in full.
Product: Money transfer, virtual currency, or money service

I wanted to send money to my mom and the WesternUnion app has an option that if someone completed the process in the app, it will charge them {$5.00} but despite I completed the process and received a confirmation email to go to the agent at this point and went to the agent at XXXX XXXX XXXX XXXX CA, the agent at first tried to send it but she couldnt because it was asking her the identification number which we didnt know neither the agent. Then i called the western union customer service and waited for the commercial for 40 minuets after that a lady answered and when I explained the situation to her she said she was sorry for the inconvenience and then again the computer started the commercial for more than one hour and then the call dropped. Then I asked the agent to help me but she was rude and refused any help. Then I did not have any other choices except to send the money to a higher price which was {$11.00}. And it looks like western union wants to one up people by giving them false promises. I want my {$6.00} back because they were dishonest to me and If not I will sue them as they wasted my valuable 4 hours. And finally no help. They have the wrost customer service.
Product: Money transfer, virtual currency, or money service

I used this company to try and purchase something from someone I assumed was a reliable vendor. They allowed this company to steal my money and not return it. Furthermore a lot of other people have been filing fraud claims on this company and PayPal isn't doing anything but freezing this account. While they are freezing the account they should be returning the funds of the consumers. We as Consumers are  suppose to be protected from things like this. It's sad I have to go through such desperate measures to reach someone in the Corporate Office. I want and need my money I have children to support and can't afford to have over {$150.00} stolen from me! PayPal needs to have better protection for their consumers or just leave the Business to others who actually care.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently became aware that I have fallen Victim to Identity Theft. My information was stolen and used without my knowledge in an attempt to open new lines of credit. I have notified and made attempts to contact all three credit bureaus to discuss Identity Fraud Resolutions. Of the three,  XXXX was the most responsive. XXXX   began immediately removing several of the accounts and information on my credit report that was a result of identity theft/ ID fraud. 
________________________________ I have been able to successfully lock Equifax and XXXX credit reports. I'm still unable to successfully use XXXX XXXX through the HTTP// : XXXX site. This has caused me to receive another new inquiry in addition to the ones they have already removed from my XXXX credit report. This comes even after the initial 90-day fraud alert that was placed on my credit report XX/XX/XXXX. 

The XXXX and Equifax customer service representatives I had spoken to were unable to provide any assistance or identity theft resolutions. In fact on two separate occasions when I attempted to contact XXXX and Equifax customer service, coincidentally both of their " systems '' simultaneously went " down '' they were only able to repeatedly instruct me to " call back again later ''. 
___________________________________ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The fact of the matter is that fraudulent information on my credit report which was a result of identity theft remains and continues to be reported by these Credit Bureaus after they have received notification of such fraudulent information on the report. 

Documentation that was sent to XXXX, they Equifax and XXXX included : ( All of these reports are attached ) 1st XXXX Police Report 2nd XXXX Police Report ID Theft Affidavits ( Signed and Notarized ) FTC Identity Theft Report In addition to these reports, you will find attached one file which lists each account and inquiry that appear on my credit reports as a result of identity theft. All new information reported after XX/XX/XXXX, resulted from identity theft and is considered fraudulent information. It's my right and the duty of the credit bureau to permanently remove this information from their respective reports.