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

I opened checking and savings account in Citibank on XXXX XX/XX/XXXX under a promotional scheme online because of covid in which if you deposit funds of {$10000.00} in checking and {$5000.00} in savings within 30 days of opening the account and maintain it for 60 days, then {$600.00} will be deposited in the account.After opening the account I called the customer care number to confirm if I have opened the account as per the promotion and if it applies to my account.The customer care representative confirmed that its open under the promotion.Then I deposited a check of {$15000.00} on XXXX XXXX and transferred {$5000.00} in the savings account from checking account on XXXX XXXX i.e. within 30 days of opening the accounts. 
After 5 months again I called on XX/XX/XXXX to confirm when the money will be deposited and the representative confirmed that I have fulfilled all the conditions of the promotion and money will be deposited in my account, but after around 6 months when I called on XXXX XX/XX/XXXX the representative declined that they can't see the promotional code in my account and money won't be deposited in my account and denied to give me the copy of the terms and conditions for the promotion that was going on in XXXX and even didn't register my complaint. 
I don't understand that how the initial 2 representatives confirmed that the account is as per the promotion and the last one after 6 months declined it.

I am shocked that you can not trust such a big bank for your funds, it's a very wrong way of increasing your deposits by luring customers to put their hard earned money and then not honoring the promotion. 
Also as the representative were not ready to raise a dispute a tried to put up a complaint through CITIbank mobile message us service but no response.Finally they accepted a complaint on XXXX XX/XX/XXXX, but with the experience I have after waiting for 6 months, I feel cheated and frustated that you can not trust such a big brand name.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, 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 # CL 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: Debt collection

Email regarding a GE Capital going to sue me for a debt that is not mine
Product: Checking or savings account

The company promised to pay interest on the money that I deposited, but they closed my account and I am not giving me back the money from some checks that I deposited or the interests that they promised
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this XXXX complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately. 
XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Checking or savings account

My phone wallet was stolen and there was numerous fraud instances on the cards and accounts. BofA honored the other fraud claims, but XXXX ( which I have never personally used, NEVER HAD A XXXX ACCOUNT ) did not honor, despite the fact that there was a police investigation and a clear perpetrator to the crime. The funds were taken from my BOFA checking account. I reached out to XXXX more than 6 times and each time they said they were investigating. The police detective was XXXX, XXXX XXXX ( XXXX  ) XXXX and the case number was XXXX. 

XX/XX/2020 XXXX Transfer Conf # XXXX ; XXXX XXXX XXXX XX/XX/2020 XXXX Transfer Conf # XXXX ; XXXX XXXX XXXX XX/XX/2020 XXXX Transfer Conf # XXXX ; XXXX XXXX BOFA keeps refering me to XXXX and ... .. 

At this point I've filed a complaint with the XXXX  and this is the response from XXXX : " Based on the information you provided, this occurred directly through your bank or credit union. It isimportant to note that XXXX does not hold or handle any money. XXXX provides messaging between the senders bank or credit union and the recipients bank or credit union to facilitate the payment between the two bank accounts. All transaction and/or profile information for XXXX is maintained by your bank or credit union. 
If you have not already done so, we recommend contacting your bank and filing an unauthorized payment dispute. "
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 I applied for the loan, for repairs on a vehicle. The company advertised as a same day loan service. They said I had been approved and should receive my money within 72 hours. A week later I called and they said due to staffing issues it may take 10 days.

I called 2 more times and was told withing 24 hours. I have emailed them multiple times with no response. Meanwhile I'm slammed by other companies that they sold my information to. When I called today, after being put on hold for over an hour, was told I couldn't cancel the application so if I went elsewhere I'd likely have 2 loans to repay.
Product: Credit reporting, credit repair services, or other personal consumer reports

For almost two years I have been a member with XXXX XXXX dba XXXX. I was funded my first loan on XX/XX/XXXX and it was paid back in full, on time, on XX/XX/XXXX. Since then I have never missed a payment. But when I look at a recent credit report, with but not limited to, XXXX, XXXX, and TRANSUNION, under my social security number, it shows the opposite. 
Reports show incorrect/missing info. More specifically, incorrect balance, incorrect account status, incorrect payment status, incorrect remarks, incorrect worst payment status, incorrect closed date, and incorrect payment history. 
I have documents proving that my account was paid and is up to date. I have an email from XXXX, thanking me for such payment. I have also faxed in these documents to the credit bureaus including but not limited to, XXXX, XXXX, and TRANSUNION on or around XX/XX/XXXX. Because when I spoke with an agent at XXXX at the beginning of XX/XX/XXXX, they said that the account gets reported to the credit bureaus in the middle of the month, and no change was made to my reports. 
My latest reports came in where TRANSUNION just removed my XXXX account all together, and XXXX and XXXX just lowered my amount owed to {$280.00}. 
These improper procedures are highly damaging my credit scores and they need to be updated immediately.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights . 



I looked at my XXXX, Equifax XXXX XXXX credit report on ( DATE ) and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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

SPS mortgage company hacked my personal checking account and stole {$3700.00} from my account at XXXX. 
I went to the XXXX in XX/XX/year> and inquired and they did not want to accept responsibility for this occurrence. 
This has caused me emotional distress, duress and inconvenience, as well as late fees for some of my accounts. 
I did not give SPS permission to steal from me.
Product: Credit reporting or other personal consumer reports

I noticed 4 hard inquiries on my credit report ( XXXX XXXX ) that i didnt authorize and i would like them removed and 2 of them are from chase but the inquiries with the dates are ( XXXX XXXX XXXX ) Inquiry date- XX/XX/22 ( XXXX ) inquiry dateXXXX ( Jpmorgan chase card ) Inquiry date- XXXX ( Jpmorgan chase card ) Inquiry date XXXX
Product: Credit card or prepaid card

I received a prepaid debit card from Brinks that I did not ask for or order, I do received SS benefits from the passing of my father and I thought maybe social security had sent this to me. I called to activate the card and had a representative on the line that took my information and then asked me to confirm my identity by emailing them a copy of my ID and social security card. As far as I know you do n't email your social security card to anyone or any company., unless you are at the site and using if for a job or getting an actual bank account.     I am placing this complaint as they do have my ss number and my name and DOB, and my address.     So far I have had nothing taken from my account that I can tell, and I just want to make this aware as looks like another scam to steal peoples identity.
Product: Credit card

I closed this card on XX/XX/XXXX and was charged the annual fee for next year, XX/XX/XXXX to XX/XX/XXXX. When closing the card I was told by the representative that the fee would be refunded pending a request by the BofA team. 

I received a statement on XX/XX/XXXX with a balance of {$95.00}, which was the annual fee. When I called Bank of America on XX/XX/XXXX, I was told by the representative that this was denied without any explanation. 

This card is now closed within the year it was open, and I would like a refund of {$95.00}. This is standard industry practice. 

Thank you.
Product: Consumer Loan

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2011 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I filed a dispute on the Equifax website under dispute XXXX for fraudulent inquires from XXXX XXXX XXXX, and XXXX XXXX, I provided Equifax with my FTC Fraud affidavit, proof of address and my drivers license, Equifax refused to remove the credit inquires off my credit file, These inquires need to be removed, I have attached the documents once again.
Product: Credit reporting or other personal consumer reports

Reached out to credit bureaus to clear report on misused information. Also, the debt amount was wrong. 15 USC 1681 b. States that its unlawful to use my personal information on my report without my consent, and to use correct information.
Product: Debt collection

Portfolio Recovery XXXX is continuing to collect on a debt that was cancelled and where I received a XXXX from the bank. They also called on Sunday XXXX XXXX 2016 at XXXX. 

I have no other consumer/installment debt.
Product: Credit reporting or other personal consumer reports

i was in XXXX when this account was open it does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received a letter Demanding payment of a medical debt that is not mine. I wrote to the attorney and filed a complaint with the Texas Attorney General. I have since received a second letter with the same demand. The medical bills that the law offices of Mitchell D. Bluhm & Associates , LLC from XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and/or XXXX XXXX XXXX, have nothing to do with me and they were previously advised. I have asked for a copy of the original medical billing and been denied. It appears that The Law Offices OF Mitchell D. Bluhm & Associates , LLC is trying to run a scam and intimidate people into paying money they do not owe.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, Iowa XXXX XX/XX/XXXX XXXX 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 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX NA - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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

I was the victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$3100.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XX/XX/2022.
Product: Money transfer, virtual currency, or money service

Coinbase - GDAX. 
On XX/XX/XXXX I initiated a trade on the platform which I have been an active user of since XX/XX/XXXX. When I tried to make a trade I received a notice saying that transactions have been XXXX. My account froze and I am no longer able to access it at all. 
I called customer support and was told that they don't know why, they are Coinbase support and not XXXX but they would escalate it and email me the phone number of XXXX support. The email I received reads as follows : Case # XXXX Hello, and thanks for reaching out. 

Ive taken a look at your account and it appears that you are not currently eligible to create a purchase order. This restriction may have been applied in error. 

Ive just escalated your case to our subject experts who will be completing a review of your purchasing eligibility shortly. 

You will receive a notification email if were able to restore your purchasing ability. Please note that while these reviews are typically completed within XXXX business days, it can sometimes take longer depending on our current case volume. 

For security reasons, Coinbase can not guarantee eligibility for every account. If your account has experienced chargebacks in the past this, as an example, can impact your eligibility. 

Thank you for your patience and understanding as we complete this review. 

This morning XX/XX/XXXX - I called support again and was told they had no answer. 




As of now - I have no access to the funds in my wallet- ( {$12000.00} ) and I can not get an answer from anyone as to why - when I did nothing out of the ordinary to trigger this activity.
Product: Vehicle loan or lease

I received an email from Tesla motors on XX/XX/year> stating : " Get 0.99 % APR financing* when you order any new XXXX XXXX by XX/XX/year>. 
*Available for qualified buyers with term lengths up to XXXX  months. Must order between XX/XX/year> and XX/XX/year>. XXXX rates are subject to credit approval and may change at any time. See XXXX for applicable terms and conditions. '' I applied for a loan today, XX/XX/year>, and found out that the 0.99 % financing is no longer available for 72 month loans. Only 60 months and less. I called the sales department and asked about this. They stated because in the email it says " may change at any time '' that they can no longer offer the 72 month financing at 0.99 % without any notice that this has changed. I placed my order under the assumption the deal was still valid since I was within the required time frame. This is not an issue of being a qualified buyer. I was offered the best interest rate that they are now offering. They explicitly told me that as of XXXX XXXX  today, the offer is no longer valid for XXXX  month loans. I asked to speak with a supervisor or someone at corporate. The denied me the ability to do this. I asked for a refund of my non-refundable order fee and they denied this. 

This is a clear bait and switch by a heavily government subsidized American auto maker.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I am including a copy of each judgment that was ruled in my favor.

FUTURE HEARINGS Case Information I Register Of Actions I Future Hearings Party Information None Case Information I Register Of Actions I Future Hearings Party Information Parties Plaintiff : XXXX XXXX # XXXX**** I XXXX  AS ASSIGNEE OF XXXX XXXX Defendant : XXXX XXXX XXXX AKA XXXX XXXX Attorney for Plaintiff : JXXXX XXXX XXXX.

Case Information I Register Of Actions I Future Hearings Party Information XX/XX/XXXX DISMISSAL WITHOUT PREJUDICEFILED FOR THE ENTIRE ACTION AS TO ALL D EFEN DAN T ( S ) AND ALL CAUSES OF ACTION ( S ).

XX/XX/XXXX SERVICE RE : SUM M ONS AND COMPLAINT RETURNED NOT FOUND/NO SERVICE AS TO ( XXXX, XXXX ) AKA ( XXXX, XXXX ) FILED. COSTS OF {$60.00}.

XX/XX/XXXX OSC H EARING XXXX XXXX XXXX XX/XX/XXXX AT XXXX XXXX., IN DEPARTMENT SEY. ORDER TO SHOW CAUSEHEARING SIGNED AN D FILED BY XXXX XXXX XXXX, JUDGE TO SHOW WHY SANCTIONS SHOULD NOT BEIMPOSED FOR FAILURETO FILEPROOF OFSERVICE AND FAILURE TO FILEDEFAULTJUDGMENT PURSUANT TO XXXX XXXX XXXX. CERTIFICATEOF MAILING FILED.

XX/XX/XXXX COLLECTIONS CASE COMPLAINT FILED PURSUANT TO XXXX XXXX. XXXX XXXX. Filing Fee : XXXX XX/XX/XXXX SUM MONS ISSUED.

XX/XX/XXXX SUM MONS FILED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been potentially been hacked and my information is included in the data breach. My Social Security number and other identifiers are at risk, alongside some 143 million other Americans.