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

Citibank has committed fraud against me. 

Having admitted as much, they have refused to remedy the situation. 

Citibank has been deceptive in it 's dealings with me, consistently extremely poor business practices. 

I opened an account with Citibank, through one of their promotions, which promised to pay me {$400.00} bonus, once I completed all requirements. 

I completed all requirements on time, but Citibank has thus far refused to paid me my {$400.00} bonus. 

As phone records, and case notes with both clearly show, many times I have been assured that my {$400.00} bonus would be deposited into my account, yet it consistently has not been deposited. Many times I have been assured I would receive a call back from Citibank management, who would resolve this for me - however, NOT ONE phone call has come, nor has Citibank EVER followed up on ANY of it 's claims to remedy the situation. 

I believe I am the victim of fraud, at the hands of Citibank. 

The pattern of behavior by Citibank customer service, as well as the erroneous charges posted to my account demonstrates, I believe, a willingness to commit what amounts to fraud. 

Two charges were posted to my account fraudulently, by Citibank themselves, but each were removed with separate lengthy calls to customer service, wherein they admitted their " mistake '' each time in posting fraudulent charges to my account, and were thus obligated to reimburse my account their fraudulent charges. 

However, the requirement for me to receive my {$400.00} bonus was that I maintain a continuous {$15000.00} balance for a set period of time. Citibank used it 's fraudulent debits to my account to disrupt my continued balance during that required time, in what I believe was an attempt to avoid paying me the bonus for which I earned. 

Citibank has admitted I should have received my bonus by now - I have not. 
Citibank has assured me that I would receive the bonus by now - I have not. 
Citibank has assured me, on several different occasions, that I would receive a call from Citibank management - I have not received any calls. 

I insist that the {$400.00} bonus be immediately deposited into my Citibank account. 

If the {$400.00} bonus is not immediately deposited into my account, Citibank will furnish copies of all records and communications between myself an Citibank, including audio copies of all phone calls, to be made available to me to take further legal action. 

A thorough and comprehensive reading of my account history, by any independent third party or mediator - will clearly demonstrate a pattern of deception on the part of Citibank, I believe, in the attempt to avoid paying me the {$400.00} bonus I am entitled to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 credit report showing Applied Bank account with status reported " charge off. {$650.00} written off. {$650.00} past due. " I called XXXX XXXX to request irs 1099 form for supposed charge off account. XXXX  had no record of account. Isn't this identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union CRA is reporting an inquiry submitted by XXXX XXXX for dates XX/XX/2020. I did not authorize or give permission for XXXX XXXX to pull my credit for that date or any date. Therefore, I am requesting that XXXX XXXX to update their system reflecting this information and send to Trans Union to have this inquiry removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters repeatedly to Equifax, XXXX, and XXXX  asking them to validate and even show me their method of verificatiion for these fraudulent accounts on my record. I have sent numerous letters to the creditors and this bankruptcy court in XXXX, TN only to have my letter returned right back to me more than twice. I am reaching out to the CFPB for some kind of resolve before I seek legal action. 

The following accounts and inquiries are not mine : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Bankruptcy Chapter XXXX - Dismissed - XXXX Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - 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  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX  I reviewed my consumer report and noticed an adverse item being furnished by XXXX XXXX for an alleged debt owed in the amount of {$1100.00}. As of XXXX XXXX XXXX XXXX XXXX  had been notified of ; the misleading, inaccurate information, my right to refuse to pay such alleged debt and to cease all further communication conveying the inaccurate information. This included but not limited to ; telephone calls, emails or any furnishing of information to the consumer reporting agencies. 

XXXX XXXX can not furnish this alleged debt to a consumer reporting agency before first contacting the consumer. I Never received any initial notice and communication or ANY correspondence or communication in regards to such alleged debt. pursuant to sections 814 ( d ) and 817 of the Fair Debt Collection Practices Act ( FDCPA or Act ), 15 U.S.C. 1692l ( d ), 1692o ; title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ) Pursuant to 1006.38 XXXX XXXX  must cease collection of the debt until XXXX XXXX sends a copy of verification of the debt or of a judgment to the consumer in writing or electronically in the manner required by 1006.42 ; XXXX XXXX is a furnisher under the Fair Credit Reporting Act. by law at the time of XXXX XXXX being notified at the address specified in Exhibit ( ) of the inaccurate information they are furnishing, XXXX XXXX shall have cease the furnishing of any information to the consumer reporting agency Pursuant to 15 USC 1681S-2 ( a ) ( 1 ) ( ( B ) ( i ). 

It has been well over 30 days and XXXX XXXX has failed to comply and respond to such notice and correspondence. XXXX XXXX has failed to XXXX XXXX has strict liability and must comply with all statutes and regulations set forth. Negligence of the law is no excuse. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, XXXX XXXX can and will be held Civil liability due to Non-compliance. ( 15 usc 1692k ( c ) ) Midland Funding, LLC v. XXXX, 137 S. Ct. 1407 ( 2017 ) - Proof of Claim
Product: Credit reporting or other personal consumer reports

To Whom It May Concern I am writing to formally demand the immediate removal of unauthorized credit inquiries from my credit report. These inquiries include, but are not limited to, the following entities : 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 My personal information was recently compromised in a data breach, which has led to unauthorized activity on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information and demand its removal if it can not be verified as authorized by me. 

Furthermore, the continued reporting of these inquiries after my dispute violates my rights under the FCRA, including but not limited to the following provisions : 1. 15 U.S.C. 1681b ( c ) - Permissible purposes for consumer reports. Unauthorized inquiries do not meet this standard.

2. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - Consumer reporting agencies must conduct a reasonable investigation of disputed information.

3. 15 U.S.C. 1681n - Liability for willful noncompliance. 

I have already filed complaints with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter and will escalate further if these inquiries are not removed immediately. Additionally, I reserve the right to pursue legal action for the willful disregard of my rights under federal law. 

You have XXXX hours from the receipt of this letter to remove the unauthorized inquiries from my credit report. Failure to comply will result in further action, including filing additional complaints with state and federal regulators, contacting the Federal Trade Commission ( FTC ), and seeking legal representation. 

This is a serious matter, and I will not tolerate any further obstruction or delay. Please confirm in writing that the inquiries have been removed. I expect full compliance without further denials or delays. 

Sincerely, XXXX XXXX
Product: Mortgage

On XX/XX/2023, I received an email from my mortgage company, Mr. Cooper, informing me that they had disbursed a payment from my escrow account to my insurance company ( XXXX XXXX ) for payment of my hazard insurance premium. On XX/XX/2023, I received a letter from my insurance company dated XX/XX/2023, wherein they indicated my insurance policy had lapsed effective XX/XX/2023, due to nonpayment of the premium.
Product: Debt collection

The charge of ( {$5600.00} ) needs to be paid through my medical insurance. I contacted Professional Finance ( XXXX ) about the charge. I was told to contact the original creditor. I contacted XXXX XXXX XXXX XXXX they told me to contact the debt collector. I called back and was told it was it would remain in collection. 
I asked for the account # XXXX & date of service XX/XX/2018. I contacted my insurance about the incorrect charge on my credit. The charge was initially removed and the financial company placed it back and said it would continue being placed back on and ruining my credit until I pay the full amount and interest would continue to grow and each interest would and is going to drop my credit score.
Product: Debt collection

Portfolio Recovery has called me ftom more than XXXX different phone numbers to collect an old debt. The debt originated XX/XX/XXXX and dropped off credit bureau reporting XX/XX/XXXX.
Product: Mortgage

Hi. In the late XXXX of the year 2015, I received a letter from Nationwide Biweekly Administration , Inc. ( NBA ). They offered me a program called 'Interest Minimize '. I agreed to cooperate with NBA and process my mortgage payments thru them. There were XXXX ( XXXX ) electronic charges made by NBA from my checking account ( XXXX XXXX XXXX ) in XXXX and XXXX in the amount of {$1000.00} each. But, there is no money was transferred from NBA to my mortgage company called XXXX XXXX XXXX XXXX. My due date is XXXX/XXXX/2015. Please help! Please let me know which documents need to be provided.
Product: Debt collection

Never received any notice of garnishment from debt collection nor was aware of this debt. Was aware of this action on my paystub XX/XX/XXXX in the amount of XXXX. Then debt collector continued to garnish more from pay on XX/XX/XXXX in the amount of XXXX.
Product: Credit card or prepaid card

On XXXX I spoke with Barclay credit card about our jet blue credit card and a bait and switch. When we signed up we used the link on the JetBlue site which stated a {$250.00} statement credit and XXXX bonus miles. After signing up and purchasing the over {$1000.00} requirement in the first 90 days, we found out that they had changed the bonus in the terms on conditions to XXXX bonus miles and no statement credit. We would not have signed up if that was the bonus we had followed from jet blue.
Product: Checking or savings account

Wells Fargo charged almost XXXX  in fees while I had a account there
Product: Student loan

I believe that i was a victim of XXXX separate instances with my student loan. 

First, I felt like I was being pressured and mislead into taking on a loan at such a young age not knowing exactly what i signed up for. I was promised to be helped in finding a job and told this was the best decision i would i make and it would pay itself off. Non of that happened, the education was sub par at best. 

Secondly, I feel i was a victim of XXXX XXXX tactics to steer me into forbearances when there were other options. Most of this happened at the beginning of XXXX  and throughout the following years. If i called them and was unable to make XXXX payment or a full payment, they would steer me into a forbearance without offering me any other options for months at a time. This has happened repeatedly while my loan was being serviced by them. 

I'm not sure what actions can be taken now but if you need any further information from me, feel reach to back out. 

Thank you for your help, XXXX XXXX XXXX
Product: Credit card

Early XXXX 2016, we discovered an unauthorized charge on our Sam 's Club mastercard statement. The charge was dated XXXX XXXX, 2016. We immediately contacted the customer service department who then put a hold on the account and said they would mail out paperwork for us to dispute the transaction. Three months later we are still waiting on the paperwork to complete and despite numerous calls we have yet to receive the fraud paperwork. We are also told the paperwork is in the mail but yet nothing arrives. They also refuse to issue us a credit until the paperwork is returned and investigated. We do not know what else to do other than ask the CFPB to intervene on our behalf. My wife and I understand that there is a process involved to handle these transaction and that it takes time to complete. However, We do not feel Sam 's club discover is acting in good faith to try and rectify our claim. Please advise me what else we can do. Thanks in advance for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. Please help me. 

XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

I got a call from XXXX at XXXX XXXX  on XX/XX/XXXX. They said I owed a medical debt for myself and my child. They told me the amount was {$210.00}. I believed them and paid for it using my XXXX  card. They said they were XXXX payments receive more company, a debt collector. They said my name and my child 's name correctly and they mentioned dates in XX/XX/XXXX and XX/XX/XXXX when we were in the hospital as well. I looked up my bills though and saw that all outstanding balances were paid. I called my hospitals and they confirmed they don't use that debt collector too. I called the debt collector back and they put me on hold. I hung up and they instantly called back. The women speaking sounded aggressive and determined she was right. But it was strange because before I could identify myself they knew who I was and this was a good hour later that I called them. They sent me an email with my initial payment. They told me they would void my payment and send an email but they never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several complaints to all three credit bureaus, the CFPB, the BBB of Michigan and the original creditor in regards to an ongoing dispute. Please see complaint below : I originally purchased a vehicle for a 12-month lease on XX/XX/XXXX. Once the 12-month lease was up, I had the option to either turn the vehicle in and they will bill me the disposition fee or take it out of my original down payment of {$900.00}, or if I still needed the vehicle, I would have to put down another down payment for an additional 12 months. I opted to return the vehicle, which I was informed by the account rep that I had until XX/XX/XXXX to return the car without any additional fees being added. The account rep also informed me that if there was any damage or additional fees ( disposition fee ) that it would be taken out of my initial down payment or I would be billed for whatever amount remained.
When I returned the vehicle on or about XX/XX/XXXX ( I had purchased another vehicle several days prior ) I was also informed at the dealership upon returning, that if there were any additional fees that were not covered by my initial down payment that I would be billed.
1 year later, I checked my credit report and the finance company, Brite Financial Services has recorded a charge off amount of $ XXXXwith a monthly payment of {$78.00} on my on all three credit files ( XXXX , XXXX , XXXX  ).
My agreement was for 12 months with the option to lease again at the end of my 12 months and a monthly payment of {$150.00}. As of XX/XX/XXXX, this company was paid a total of {$7000.00} from XX/XX/XXXX to XX/XX/XXXX. This vehicle was returned on time with no additional monies owed. In addition, per the lease agreement ( see attached ), the total payments paid at the end of the lease was to be {$4800.00}. Therefore, this lease agreement has been paid in full per the documentation provided.
Furthermore, I contacted the company in XX/XX/XXXX to ask for my credit report to be adjusted from the amount owed/charged off amount of {$6300.00} to be corrected. The account manager then informed me that the amount that is seen is what was financed and not owed. At this point the finance company is refusing to correct their issue. I am requesting VALIDATION of this account. This means that the creditor is to send me a complete payment history to show that a payment is actually owed.
I have sent complaints to all three credit bureaus, the Consumer Financial Protection Bureau, and the creditor with on success. Please look into this matter and verify the account as being falsely reported.
In addition, I have only received handwritten/typed account information stating what is owed. This is not proper VALIDATION, as this information can be from any one of their current or previous customer 's information. Brite Financial as also sent back dated emails with previous amount owed. See all attached documents.
Thanks, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, I believe we need to delete any incorrect accounts from my credit report. Could you review the documents? Some of the accounts listed have errors in reporting, with incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, several accounts and inquiries listed below were opened or made without my authorization. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the accounts and inquiries listed be blocked and deleted from my credit report. 
Fraudulent Accounts : 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 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 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
Product: Debt collection

XXXX VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX) XXXX;XXXX XXXX  (Original Creditor: XXXX XXXX) XXXX and XXXX XXXX XXXX;
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy XXXX on my credit report with experian report # XXXX which experian said was verified by the XXXX XXXX CT NY XXXX XXXX However I reached out to the XXXX XXXX CT NY XXXX and they responded by saying that they did NOT Verifie this with the experian or any credit bureau and so I asked them to remove it as it does not comply with FCRA 611 ( 15 U.S.C 1681i )
Product: Payday loan

I have not gotten a pay day loan for several years. ( not sure when exactly ). For the past two months a company named XXXX XXXX XXXX has been calling and when I answer they hang up. I am filing for bankruptcy and tried to call them back to give them my information, and every time I get disconnected. Not once have I heard from a real person, it 's always a machine. i do n't know what they want because my payday loan was paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. It is my understanding that the Credit Bureaus are required to remove these inquiries completely from my Credit File in accordance with the Fair Credit Reporting Act as soon as possible.