23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

In XXXX 2016, I was prompted to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX Citi ThankYou points in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account. XXXX Citi ThankYou points equals {$400.00} in gift cards as stated in the terms and conditions I received when opening this account. 
After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 
On XXXX XXXX, 2016, I confirmed with Citi that I fulfilled all terms of the offer and to expect my bonus on or before XXXX XXXX, 2016. On XXXX XXXX, 2016, I did not receive my bonus points as promised. 
On XXXX XXXX, 2016, I initiated an online chat via the Citibank website with XXXX and explained that I did not receive my points. XXXX said I should have already received my points. An internal investigation was opened. Case number XXXX. 
On XXXX XXXX, 2016, Citi 's investigations team informed me that my bonus was denied for the following reason : " There was not a ThankYou Points promotion offered in conjunction with the opening of your account. '' On XXXX XXXX, 2016, I appealed this denial, citing written confirmation from Citi that : The promotional offer is attached to my account and ; I qualified for the promotion and ; I met all requirements to receive my bonus. 
On XXXX XXXX, 2016, I spoke with XXXX at a Citi call center and she informed me that the offer in question requires the original bonus mail insert, which would have been sent out 6-8 months ago. 
It was explained to me that the original insert is required to prove I qualified for this offer, despite numerous interactions with representatives who assured me I have qualified and met all requirements to receive my bonus. Since I disposed of this mailer after opening my account, XXXX said that her options were exhausted. 
On XXXX XXXX, 2016, My appeal was denied. I appealed again. 
On XXXX XXXX, 2016, XXXX at the Citigold customer service department acknowledged my appeals and attempted to submit my case to the Escalations Unit. She apologized for my experiences and said that many other clients are in the same situation. 
XXXX explained that she was unable to do anything for me other than open an investigation, which was done several times without a positive outcome for me. XXXX promised to keep my contact information and contact me if anything changes. Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. 
Citi must credit my account immediately or additional steps will be taken to collect my promised bonus. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was a victim of identity theft and 2 cars were taken out in my name by an unknown person/s. The vehicles were taken out by different banks in two different dealerships. When I notified both companies. BMW Financial Services a.k.a XXXX XXXX XXXX XXXX XXXX and XXXX XXXX a.k.a XXXX XXXX XXXX they did nothing to help rectify the credit reporting or clear my name. Fast forward to XX/XX/XXXX, 5 credit inquiries were done under my name without my consent by one dealership to 5 different banks. My credit score is being tarnished by all these negative credit reports and inquiries. XXXX XXXX, XXXX and XXXX all refuse to remove it from my credit report because its not up to them but to the companies running my name and information.
Product: Debt collection

Navy Federal is only allowed to contact me through my cell phone number. This is not the first time they have found other numbers that are associated to me in an attempt to reach me. These numbers have not been given authorization to call.
Product: Vehicle loan or lease

The loan has been paid off, i only have a couple of fees to pay off and now they've added an extra fee of {$290.00} which no one wants to give me an explanation for nor remove from my account. 

Ive made the following attempts : XX/XX/2019 spoke with XXXX XXXX : stated that she would send account to a different department that handles, and they will contact me, no one has contacted me nor was this resolved. 
XX/XX/2019 spoke with XXXX XXXX : stated that my account would be sent to the department which will review the account and soon contact me, no one contacted me - nothing has been resolved. 
XX/XX/2019 spoke with XXXX ; I requested a Supervisor. I spoke to Supervisor XXXX and she did call me back a week later to state the same thing, that someone will review the account & contact me but still no resolution. 
XX/XX/2109 - emailed the following 4 Westlake Executives : XXXX ' ; XXXX ' ; ' XXXX ' ; XXXX ' I have submitted an explanation of all the payments made, XXXX spreadsheet with all the payments of the auto payoff completed, statements for XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 & 2 statements for XX/XX/2019. No one gives me any explanation where this fee came from. I have forwarded another email to on XX/XX/2019 to get a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. XXXX and remove it. 
XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have requested for XXXX XXXX, Director of the Consumer Financial Protection Bureau to review this complaint. I received a letter and harassing phone calls from Complete Payment Recovery Services , Inc., regarding a debt collection account for creditor, XXXX XXXX XXXX XXXX XXXX for {$880.00}, Control Number : XXXX. The debt collection account isnt my account. The account is the result of identity theft. I have never applied for or had any accounts with XXXX XXXX XXXX XXXX XXXX. I am a victim of identity theft. Complete Payment Recovery Services , Inc., is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved. I have tried disputing it with the credit bureaus but it still remains on XXXX  and XXXX. Please help me resolve this issue as it should not have been on my report to begin with.
Product: Checking or savings account

Last night XX/XX/28 I did a withdrawel for {$1000.00} at the Wells Fargo bank at XXXX XXXX XXXX XXXXXXXX va. I also received {$420.00} and lost XXXX. I have contacted both banks many times and they are not willing to solve the issue. My account shows I took out XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting unverified information on my credit report. They are reporting a bankruptcy on my credit report that is inaccurate. When I brought this to their attention, XXXX XXXX stated that they received the information from the US bankruptcy court. I then wrote a letter to the court system myself, asking for an explanation. The US Bankruptcy Court replied to my complaint stating that the court, in fact DID NOT provide XXXX this information, nor do they provide any personal information to any other credit organization. This is a clear case of identity theft and has been reported to local police. 
I sent this letter certified XXXX USPS tp XXXX along with my Identity Theft Affidavit. The company has not responded. to my complaint
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Personal Information for TransUnion NAME : XXXX XXXX XXXX XXXX  Hello, I'm requesting that you update your system with my correct name, which is XXXX XXXX. If you have any records of my name that differ from what I have provided, please delete them immediately. Thank you. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your most up-to date personal information should be accurate, timely and verifiable. If you don't have the proper documentation for your credit profile then it's not in compliance with FCRA or Metro 2 standards. Please delete any address in your system that does not match my address of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and to my amazement saw that XXXX XXXX have decided to report me 30 days late and past due on this account in XX/XX/XXXX and XX/XX/XXXX. I have previous credit reports from both agencies pulled in XXXX of XXXX, and neither one of these reports show me late or past due in XX/XX/XXXX and XX/XX/XXXX. Not only was I never late on this account, but according to the FCRA, as amended by the FACTA act, you are required to notify me of the insertion of negative listings. I never received such a notice. 

I talked to a supervisor ( XXXX XXXX direct line XXXX XXXX XXXX ), who was unable to find any evidence of my late payment on file. He promised to send me a payment history of my account. I never received such documentation. The results of my dispute and my have just come in, and both say verified. How is this possible? You werent able to provide me with anything. Reporting inaccurate information is also a violation of the FCRA. 

In addition, I have had the interest rate on my other credit cards raised due to your error which has caused me additional interest costs, plus I have spent lost work hours trying to straighten this out with the credit bureaus. The FCRA allows for damages of {$1000.00} per violation, and I consider this three violations, two for never notifying me and one for reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified through a credit check company I use that World Acceptance Corporation changed the status of a loan I had with them from current to PAST DUE ..This was from XX/XX/2019 ..I was notified by the service that this is unusual so I should check my payment history carefully..I believe this was don't because I have not been back in to refinance a loan with them and XXXX  because I am not able to answer the phone 10 times day when they call because I am at work..I believe this has been done on all of my loan accounts I have had with them..They also run your credit report multiple times per year causing multiple inquiries on your report even though you are currently under a loan with them..
Product: Debt collection

I attempted to resolve the matter with Monterey and pay to close my account with collections and with XXXX XXXX XXXX XXXX XXXX ( the company that sent the debt to Monterey ), but they stated that can not be done. I sent a cease and desist to Monterey, so they can no longer contact me, but they are still reporting to my credit. I do not intend on paying them if they are not providing options to close my account with XXXX XXXXXXXX XXXX XXXX XXXXXXXX and with them. Pursuit of this matter by Monterey is frivolous. 

I will resolve the matter of my debt with XXXX XXXX  directly. I will escalate this matter to the Federal Trade Commission if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up for Complaint # XXXX. I spoke with XXXXsupervisor at Equifax dispute dept and advised him I will be taking legal actions if the following accounts are not corrected to a positive payment history and balance zeroed out. I also demanded him to remove inquiries as well. Reporting inaccurate information on my consumer report is against the law and my right to privacy. It has also caused me severe hardship ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$340.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$54000.00} INQUIRY : XXXXXXXX XXXX XXXX  XXXX DATE : XX/XX/XXXX INQUIRY : XXXX XXXX XXXX XXXX DATE : XXXX XXXX, XXXX INQUIRY : XXXX - XXXX SERVICE DATE : XXXX XXXX, XXXX
Product: Credit reporting

Incorrect inquiry. Merchant refuses to remove UPSTART credit inquiry not authorized XXXX XXXX, 2017 Creditor Contact Details XXXXUPSTART NETWORK, INC XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

This goes all the way back to last XX/XX/XXXX when someone ( who's been arrested XXXX ) made some unauthorized charges on 2 of my 3 Capital One credit cards.

I have a credit score of XXXX. Never late, never over limit for decades. Then this problem. 
You think it will never happen to you. 
It has been resolved for the 2 business cards, but my personal MC is still a mess. 
I have gotten conflicting stories from CO by letter and by chat. I have asked to re-open the MC account XXXX XXXX XXXX XXXX. I have {$110.00} of cash rewards there. I already lost all my miles on the biz cards. Too bad, eh? 
I suggested that the cash back be applied to the {$1500.00} or so balance. Next thing I know I get dinged {$25.00} for a late fee on a minimum payment of {$25.00}. XXXX!!! 
Capital One has been inconsistent and very slow to deal with this. It has been impossible to get a straight answer or even a consistent status report. 
And now they hit me with a late fee when they have my cash rewards in their account. 
I'm going to suggest they re-open the account or write it off. 
I am sick of this one-way relationship. Against MY policies!!! 
OR - make me a payoff offer that reflects the inconvenience you have caused.
Product: Credit reporting or other personal consumer reports

Dear Transunion, You are in Violation of the Law. YOU ARE WILLFULLY NON-COMPLIANT. I AM A FEDERALLY PROTECTED CONSUMER AND I RESERVE THE RIGHT TO PRIVACY. YOU HAVE A GRAVE RESPONSIBILITY TO UPHOLD THIS! YOU MUST RESPECT MY RIGHT TO PRIVACY. I UNDERSTAND THAT YOU ASSUMED A ROLE IN ASSIMILATING INFORMATION ON ME A FEDERALLY PROTECTED CONSUMER!!! ***IN ADDITION, I DO NOT CONSENT TO YOUR E-OSCAR VERIFICATION*** Pursuant to 15 US 1681a ( 2 ) you can not report any information solely as to Transactions or experiences between the consumer and the person make the report. I am the consumer and Person is the cooperation. You have reported a collection, Derogatory and a Charge off on my consumer report. Pursuant to 15 USC 1681a ( 2 ) to states that you can not report EXPERIENCES or TRANSACTIONS on my consumer report. Collections, Derogatory and Charge off are Transactions by definition so this a clear violation of the LAW. Pursuant to 15 U.S.C. 1681 Congressional Findings and statement of Purpose ( 4 ) there is a need to insure that consumer reporting agencies exercise their GRAVE responsibility with fairness, impartiality and a respect to the consumer right to PRIVACY. You have violated my privacy and you didnt exercise your Grave responsibly prior to adding these items to my Credit Report. YOU MUST RESPECT MY RIGHT TO PRIVACY or you will be liable for Financial Damages this have cause me. YOU NEVER HAD MY PERMISSION TO REPORT THESE THING ON MY CONSUMER REPORT WHICH NOW IS NOW CONSIDERED FRAUD!!!
Product: Credit card

Please examine the attached documents. I want the bureau to initiate an investigation into these accounts, as I am consistently on time, yet they are erroneously reporting me as late.
Product: Credit card

SYNCB/TJX COS has been sharing my personal non-public information with non-affiliated third parties including consumer reporting agencies. on XX/XX/year> I notified SYNCB/TJX COS that I am opting out of all and any authorizations whether written, unwritten, verbal or non-verbal for the sharing of my non-public personal information pursuant to 15 USC 6802 of the Gramm - Leach Bailey ( GLBA ) Despite my explicit opt out request and my clear assertion of my rights under the GLBA, I have reason to believe that SYNCB/TJX COS has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized use of my personal information constitute a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud or other financial harm. 
Can the Consumer Financial Protection Bureau please investigate this matter thoroughly and take the appropriate action to ensure that SYNCB/TJX COS complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security for consumers like me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my CAPITAL ONE debt. I do not owe this debt
Product: Payday loan, title loan, personal loan, or advance loan

Thank you, I filled with FTC months ago and added more that has occurred. Since One Main compromised my information, nonpayment, and whatever happened to a second look at the numbers, they dont even line up in cents.OneMain investigated that also ; the back side of the payout is incorrect. All account statements are given, Credit Reports and letters received are and there is something here and now I did not even have the chance at any insurance because I did not receive the contract. The question is, is this contract even legal and that is what I will have investigated? I am just following the chain of command that started with One main branch office at XXXX XXXX XXXX, New Mexico. Information given to me by XXXX on XX/XX/XXXX shows. Along with a statement from XXXX XXXX case # XXXX by XXXX from Executive Offices. I was never offered extra services that OneMain offers including loss of Job that One Main can activate anytime, when it appeals to the safety of the contract. That was given over a month later to VIA Email. I was asking for this contract that I did not receive or view at any signing. I had taken ONE month till the contract was let go from the hands of OneMain. One main has not carried out the contract to protect the interests of the consumer. While One main did not! Repeat DID NOT! Give me a contract at the signing of their loan, that is full of issues. The one that pertains now an the issue was an offering of insurance by One Main, once again no contract was given. 
XXXX XXXX I have talked with and was told this was not able to be done. It was like in the first seven days I could have If I had received or read the contract the close of the deal was on XX/XX/XXXX. I have kept One Main up to date and was told about insurance that was asked of me on the contract date of XX/XX/XXXX. I have lost my job and I am still up to date on payment. I have asked XXXX XXXX for some help on the matter, so I am filing with CFPB for help. No contract was given or viewed at the date it says was signed so no chance to apply for extras like coverage of a lost job. I asked several days after the contract was done, for a copy for myself. I received the contract a month later after any chance to activate the insurance that is offered to Onemain. Clients should be given the contract on the day of signing I DID NOT have this chance. All of this occurred while trying to cover for the loss of personal information by One Main and is still ongoing today. OneMain Financial Customer Bill of Rights was not fulfilled in the simple fact of helping the consumer understand every aspect of your loan before you sign, including terms, pricing and interest rate, monthly payment, and total cost. I was not given the chance to review or be given a contract to offer these services. A bad contract that has several issues including giving one to the consumer, ME. ~ needed help still have not found work One Main is aware of this. along with the physical address is now at the hotel, but the mailing address/phone is the same and good.
Product: Debt collection

I have a collection reported to my credit file by Penn Credit Corporation. This debt went to collection, however, I had an agreement with the collection agency that they would delete the collection from my account. I paid the collection, however, the collection still appears on my credit file.
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692e - False or misleading representations XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.