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

Hello, I opened Citibank Account Package on XX/XX/2018 by clicking their bonus link ( attached 1 ). The offer stated to Receive a sign up bonus of {$300.00} when you open a new Citibank Account Package and transfer {$15000.00} to the new checking account within 30 days and maintain for 60 days. The bonus should be posted within another 90 days. 

I confirmed the bonus term with chatting onXX/XX/2018 ( attached 2 ), and completed the transfer on XX/XX/2018 ( attached 3 ). I confirmed that I met the requirement by calling Citibank on XX/XX/XXXX, and was told the bonus will be posted by XXXX ( confirmation code XXXX ). But I received 3 emails on XX/XX/XXXX, XXXX, and XXXX from Citi, saying I enrolled in Citibank {$50.00} to {$700.00} Checking Offer ( " Offer '' ), but have not fulfilled the Offer 's required activities for the following reason : The offer requirements were not completed within offer period. 

I XXXX  this different offer ( attached 4 ). Apparently, this is not the offer I signed up, and the system messed up with my offer and this offer, and determined not to post the bonus. Theres even no explanation on which requirements were not completed. 

I chatted online with a Citibank agent, XXXX on XXXX ( attached 5 ). Initially he admitted that I met the requirement of {$300.00} and he will find out why its not posted. When I told him about the email regarding a different offer, he said they are the same offer. But he could not explain which requirements were not completed. He said he will ask someone to look into this and reply me within 7 days ( Citibank Service Request # XXXX, Reference : XXXX ). 

Now its been half a year since the transfer of the money, and 10 days since I last contact with Citi. No bonus posted, no reply, no explanation. 

Please Citibank, honor the offer you provided. 

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

After many atempts of contacting the 3 najor credit bureaus about these fradulent unauthirized accounts haunting my credit files, I decided to use this system, before filing suit if this is un successful. All these accounts come from my identification being stolen and misused. Im requesting that the following accounts be removed immediately and/ or show just cause physical docunentation and signatures associated with these accounts ; or these accounts shall be removed immediately.

1 ) XXXX XXXX XXXXXXXX ( account XXXX ) {$860.00} 2 ) XXXX XXXX ( account XXXX ) 3 ) XXXXXXXX XXXX XXXX ( account XXXX ) {$3300.00} 4 ) XXXX XXXX XXXX XXXX ( account XXXX ) {$6900.00} 5 ) XXXX XXXX ( account XXXX ) {$4300.00}
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

In XXXX I tried to dispute this collection the first time but nothing happened. Earlier this year in XXXX I disputed it once again, after I called the company asking to verify how much I owed, I was also going to ask for an invoice of why they claimed I owed so much. However the lady on the phone told me she could not find any information under my name. In fact she told me the company was sold back in XXXX and they didnt keep the old records. So once again I tried disputing it. About a week into the last dispute they raised my debt. But still nothing happened. 
I have also tried talking to XXXX several times and they cant seem to help me either. I have no way to pay this collection or even access it. And in addition to that the dates are wrong. They also keep changing them every time I dispute it. Whenever I create a dispute something changes but I cant access it. It just doesnt even make any sense
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the Equifax security breach, I placed a freeze on my credit report on XXXX XXXX 2017. I then realized I need to run my report, so I called back to lift the freeze, & discovered I need to pay {$5.00} to take this action. 
I reluctantly paid as, I needed to run my report, but I am extremely angered about this fee since 1st off it is due to lack of secure diligence by Equifax that I have to place the freeze to begin with! And I foresee Equifax taking advantage & making profits off many by their failure! 
1 Example : I am a XXXX XXXX XXXX who maintains licenses in several states. As part of my annual license renewal, the licensing auth. needs to run my credit report. My complaint is - It should NOT be allowed that Equifax can profit over their 'immense ' lack of security protocol issue & charge consumers {$5.00} each time the lift a freeze. Their lack of security is bad enough for an institution that is holding such delicate private information, let alone not holding them responsible to correct & protect the situation. 

I also have a client that is currently held up to enter a Purchase contract of sale, because Equifax will not lift the freeze off her account via the website or call, but she has to send delicate private info to them via regular mail to their office, ( thus putting herself more openly accessed to fraud ), for Equifax to lift her freeze. On top, through her communications with Equifax, no one is able to explain 'why ' she has to mail in her info & no one will confirm how long this process will take. 
These are MAJOR FLAWS. 
2 Credit Bureaus suffice. 

Thank you
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I started building a new home at XXXXXXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX in XX/XX/2023 using my Lowes XXXX  Account # XXXX. I made XXXX purchases in XXXX and XX/XX/2023 to begin building my house and made both payments on time by calling the Synchrony Bank XXXX # and telling the XXXX XXXX Agent I was paying using a XXXX XXXXXXXX XXXX cashiers check. 
Then on my third purchase ( all at Lowes in XXXX XXXX, Illinois ) while checking out at the register learned Lowes had closed my account without any notification because I later learned that they closed it because I paid by a cashier check which Synchrony says is a Third Party Check which my bank said it is not a Third Party check. 
I continued buying my materials at this store using my Lowes XXXX card but lost in XXXX XXXX discounts over {$5000.00}. 
Very recently I learned from a Synchrony Customer Service Agent that Synchrony does in fact accept Cashier checks but only if they are mailed! No one back in 2023 told me this and they should have at the time I was making these payments. 
Synchrony will not admit their error or negligence or unfair business practices. They should be fined again as they were previously for unfair business practices. I have asked that they reinstate my account with prior credit limit but they will not. They tell me I can re apply to get another XXXX XXXX Account. 
In summary Synchrony has a history of unfair business practices and they should be examined and probably given a large fine for their lecherous ways.
Product: Checking or savings account

On XX/XX/XXXX, my Rewards Checking Plus account ending XXXX was suspended due to " unexpected activity ''. However, Upgrade never contact me for any information. I contacted Upgrade multiple times but they always say someone already reviewing it but no ETA. As of XX/XX/XXXX, over 3 months, my account is still in suspended status, and can not make any transaction.
Product: Checking or savings account

I had a joint account Savings account with my wife XXXX XXXX. I had about {$500.00} in the account when Chase claimed they were recuperating fraudulent charges that was made on her XXXX account. The account was set to XXXX and closed. I received no communications of this. 

My wife XXXXXXXX XXXX had herXX/XX/XXXX attached to her Chase checking account and over {$2000.00} in fraudulent debits were made. Her account was closed along with the joint savings she and I had with Chase. Her attempts to reverse the XXXX XXXX charges fell on dead ears with Chase. There was no one in XXXX XXXX support to help her.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : Account XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The information is not accurate and I would like for it to be removed from my report, immediately. 

I have attached supporting documents. Please review.
Product: Money transfer, virtual currency, or money service

Paypal sent me a notification of some upcoming changes to their user agreement, but doesn't give users a way to see the full text of the agreement, only a basic description of what topics the changes to the agreement would affect. 

I talked with a customer service rep, and a supervisor, and they said the full text wasn't something they could give me.
Product: Debt collection

XX/XX/24 VALIDATION AND CEASE AND DESIST Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  CA, XXXX Account number : XXXX Dear Portfolio Recovery Associates LLC I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the XXXX. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR. 
VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR. 
PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR. 
PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR. 
PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. 
IF YOU PASS THIS ON TO ANOTHER COLLECTOR, I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Product: Checking or savings account

Im filing a complaint against Navy Federal Credit Union regarding overdraft fees, delayed transactions and my account closing twice because of this. I was charged fees due to the lagged posting of charges and credits. This issue aligns with CFPB recent findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these are unfair and request an investigation to not my account transactions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX OR XXXX XXXX XXXX & TRUE ACCORD after reviewing my XXXX credit report on ( XX/XX/year> ) 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 following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, 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 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 nor 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: Credit reporting, credit repair services, or other personal consumer reports

I can not start any dispute in my transunion online profile. I can not place a credit freeze in my transunion online profile. I can not place a fraud alert on my transunion online profile. I can not view my credit report in my transunion online profile. I have called in to transunion many times starting XX/XX/XXXX, and XX/XX/XXXX, and other dates. I have asked them to allow me access to my online services. Each time they say they will escalate my inquiry, but to this date there is no results. I can not do anything in my online transunion profile. Please see attached the " error '' messages that I receive when I try to do any of the above.
Product: Mortgage

Bank of America services my mortgage. I entered into a forbearance program at the beginning of the pandemic. Since then it has been impossible to get accurate information about my loan online or over the phone. I sent multiple payments in that were not correctly credited to my account. I continue to see inaccuracies on my monthly statements. As of this month, I noticed a 100 point drop of my FICO score. I pulled copies of my credit report from all 3 agencies. Until this month, I've had zero negative remarks on my reports. Bank of America has been reporting to the agencies although they have said that because I had gone through bankruptcy they were not reporting on my account. I'm not sure how long they have been reporting but the representatives that I have communicated with have always told me that they do not report my account because of my bankruptcy. I have contacted the bank and they have given me a reference number.
Product: Debt collection

Debt collection was placed on my account for {$1400.00} I saw in XXXX XXXX XXXX. from Diversified, I called them they mentioned it is orginated from XXXX XXXX. I never owner any thing to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have still items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MI XXXX : DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Trans Union lowered my credit score for by XXXX points for PAYING OFF A CREDIT CARD!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting

why should I have to write a letter to get my information, what is the problem it is telling me I need to write a letter to get it. this is time consuming not realistic today, people use the computer for everything and phones and email. now I have wasted time and more time because I need my credit information now! there should not be any issue with getting it online, and it does not tell me the reason. no security issue should not be handled that way because I still do n't know the issue. I do n't have time for this. this needs to be fixed and better convenient for people. we have to be systemized to do anything! is unfair!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, in the month of XX/XX/XXXX I went into a bank of America Branch at XXXX XXXX XXXX, XXXX, CO and spoke with a Banker named XXXX XXXX. The reason for me coming in was because I needed to see if someone could assist with getting a XXXX inaccuracy removed. XXXX and I spoke with a representative from the Claims department who told me once I cleared a {$36.00} balance I had an a second old account, the report would be removed from my XXXX account for the account number ending in XXXX with a closure date of XX/XX/XXXX. After my request for clarity, the banker confirmed what was said, and the specialist re-confirmed once I cleared a {$36.00} balance I had an a second old account, the report would be removed from my XXXX account for the account number ending in XXXX. 

In XXXX when this account was opened, I was a victim of a XXXX Scam. I was asked to open this account for the purpose of depositing my wages I would have earned weekly. I remember being told I'd make $ XXXX {$1000.00} weekly, and when the deposit came, I contacted the bank to report it as it was an outrageous number I was not expecting. No money was taken from the account, and it was then frozen. These same fraudsters are responsible for filing taxes in my name, as well as attempts of trying to obtain credit, as noted in my Identity Theft Report with the FTC resulting in various fraud alerts placed on my credit profiles to protect me, and even a freeze on my XXXX file. 

The issue I'm having is since the payment for the {$36.00} was made, I have been sent in circles from Risk Closure, Fraud, and various other customer service departments, some saying no one can help me ( paraphrasing ) and others saying what the claims rep told XXXX and I should be honored. On XX/XX/XXXX I finally contacted the XXXX XXXX department, and they told me I'd need to dispute the information with XXXX and it will then come off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Equifax, XXXX, and XXXX to validate the inaccurate items on my credit report on XX/XX/2021. On XX/XX/2021, I sent another request to have inaccurate items on my credit report validated or deleted. It has now been over 30 days and I have not received any response. They are in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}. Please remove these accounts as soon as feasible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Oportun Financial Corporation letting them know that I reserve my rights to opt out per 15 u.s.c 6802 and yet they are still reporting to all 3 major credit bureaus effecting my credit score adversely and continuing to violate my rights by reporting inaccurate information and, harassing me by phone which is a violation of 15 u.s.c 1692 ( d ). They are also impeding my right to fair credit by violating 15 u.s.c 1681 ( a ), 15 u.s.c 1681 ( 2 ) ( A ) ( 1 ), 15 u.s.c 1681 ( b ), which are apart of The Fair Credit Reporting Act, which states A financial institution may not disclose nonpublic personal information to a nonaffiliated third party which then is in violation of The Privacy Act of 1974, 16 CFR 313.1-313.3 and 39 u.s.c 3001 ( d ) ( 1 ) ( 2 ) ( a ) ( b ). I would like this matter resolved in a timely manner and in way that is fair to me the consumer.
Product: Payday loan, title loan, or personal loan

After being told I had to provide ACH authorization to get a loan, I was told I was unable to revoke it.

The FDIC and CFPB both state you should be able to revoke an authorization.

This company uses a loophole in Ohio law under a mortgage act to use these deceptive tactics and predatory lending practices. Their interest rates are in excess of what Sate of Ohio lending laws are supposed to provide.

Their true nature is not revealed until after you can not get out of the loan.