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

On XX/XX/XXXX, I applied for the Citi Account Package, which offered a {$400.00} bonus for making a deposit of {$15000.00} within 30 days of account opening and maintaining that amount for 60 consecutive days. 
In XX/XX/XXXX, I faxed documents to Citi for tax and indentification purposes. 
On XX/XX/XXXX, I realized I haven't received anything from them and called customer support. They said that either they didn't send out the card and the PIN number, or it was lost in delivery. They promised me that they would expedite the delivery and this would not affect my promotion. The agent specifically said that I have another 30 days to deposit the {$15000.00}. 
On XX/XX/XXXX, the card arrived. On XX/XX/XXXX, the PIN number arrived. 
After receiving the card and the PIN, I had problems with activating the accounts, because their system restricted me from adding a bank account after having a Citi credit card. And after 3 trials, I had to wait 24 hours before the next activation. 
On XX/XX/XXXX, I went to the branch and talked to a banker, who said there was nothing they could do. 
On XX/XX/XXXX, I finally succeeded and started to schedule ACH transfer from my bank account of another bank. 
On XX/XX/XXXX, {$15000.00} arrived in my Citi account via ACH transaction. 
On XX/XX/XXXX, I made a payment to my Citi credit card, and therefore reducing the amount to below XXXX, which is well past the 60 days restriction. 
On XX/XX/XXXX, I made an inquiry both by online messages and by phone. The agent said that they would conduct a review. I received a letter of confirmation later that day in my Citi online account. 
On XX/XX/XXXX, I received a letter in my Citi online account saying, that " your account does not qualify for this promotion because the required deposit was not made within the stated timeframe. '' On XX/XX/XXXX, I called the Citi customer support again and the agent said there was nothing she could do.
Product: Debt collection

My employer received a letter from a law firm to let them know about a garnishment against my salary, I was surprised by the news because I have never received a call or notification to contact me. 
I really I am trying to find out what was this debt the law firm has not clarified to me that it Belongs, so I proceeded to look for information and try to contact someone in XXXX but The company is no longer valid or open for business and The person whom I talked in the law firm does not give me information I proceeded to check my credit report it does not show any type of debt in XX/XX/2009 for the amount they are trying to collect. 

Thank you
Product: Debt collection

The name of the collection agency I want to file a complaint with is called JPL Recovery Solutions. Their phone number is XXXX XXXX XXXX. The name of the particular representative is XXXX XXXX. They keep calling my employer and actually speaking with my Supervisor and Hr department. They say they want to fax over a request to garnish my paycheck. However, then they ask if they could be transfer directly to me. So they could give me one final chance to pay my debt. However, I told them I cant take personal calls on my work phone number, as my employer does not permit it. They still call my work number after I repeatedly told them not to. I also ask them to provide a statement showing that their agency does have my debt, they deny it. Saying they already sent it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

What was the method of verification? This account is in violation with XXXX compliance. I have yet to receive any notifications about the status since I started disputing these accounts in XXXX 2021 I am having trouble trying to find date of last actively ( XXXX ) on these accounts : XXXX XXXX And XXXX, XXXX, XXXX XXXX In. XXXX 

I have made several attempts to have these accounts removed. I have no contractual obligations with any of these companies reporting on my credit reports.
Product: Debt collection

In response to subject Summons delivered to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on American Express Credit Card Account ending in XXXX was paid XX/XX/XXXX XXXX as required. American Express payment reference number XXXX. For payment reconciliation purposes see XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has an additional account with American Express ending in XXXX that had a balance of {$540.00} when American Express called regarding its payment request on XX/XX/XXXX. XXXX made a payment to American Express on the same date XX/XX/XXXX of {$11000.00} to pay the balance on both cards. 
I have attached the American Express XXXX  Year End Statement entitled Activity for your review; the Tab entitled Transaction summary shows account ending in XXXX has an {$11000.00} over payment at years end XXXX XXXX. American Express called XXXX XX/XX/XXXX for a payment on card ending in XXXX and then applied the payment to account ending in XXXX. XXXX also submitted payments to American Express from its XXXX XXXX XXXX XXXX showing payment cleared American Express. XXXX fulfilled its obligation to American Express over XXXX XXXX XXXX and would like this case to end as soon as possible. Can someone please respond upon receipt?
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft Within four business days after receiving your request, the credit reporting company must block that information from your credit report. In addition, they must tell the companies that provided the information that someone stole your identity. Once notified, creditors cant turn identity theft-related debts over to debt collectors.

Four days has passed in regards to this matter the following accounts have not been removed from my credit report. This is my third attempt regarding this matter. 

Accounts : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) It takes 30 days for incorrect reporting information for a dispute process. It takes 4 days total for identity theft victims no investigation is required for this matter with proper documentation this is defamation of my character and I will presume legal action if necessary to the highest extent of the law.
Product: Credit reporting or other personal consumer reports

I am a foreign national, and my identity has been stolen. My consulate advised me to visit the FTC website. I am not proficient in XXXX, but I am providing the necessary information. Can you assist me? These accounts do not belong to me ; someone has used my information. Could you please remove them? Here are the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I received a text alert stating money was being withdrawn from my account. A total of {$810.00}. I call the company Netspend and canceled my card and order another. I disputed the charges XX/XX/XXXX. I filed a police report with XXXX XXXX Police Department case # XXXX to assist with the investigation. I have sent emails over 10 and also fax documents over to them and they keep saying they have not received them. I feel I will not get a thoroughly investigation and will be tossed aside. I also discovered other withdrawals on XX/XX/2021. In total {$1600.00}. Please help me.
Product: Credit card

XXXXOn XX/XX/XXXX I contacted American Express via the online chat servicing to inquire about issues with an account recently assumed from my deceased father. As some unknown part of the transfer process was incorrectly completed on the part of American Express, the account was closed in error and rewards erroneously forfeit. I was directed to a specialized estates group via phone at XXXX. This group re-opened my account. 
XXXXOn XX/XX/XXXX I contacted American Express via the online chat servicing to inquire about missing rewards. I was informed that while my account was re-opened, the servicing group had failed to re-enroll & reinstate rewards as part of their Membership Rewards Program. " Your request to reinstate forfeited points was successful. You now have the Membership Rewards Points available. However, it might take up to 24 hours to show up at your end. '' XXXX XX/XX/XXXX I contacted American Express via the online chat servicing as my accounts ( all of them ) were restricted and my Platinum Card was according to the agent " I see this card was closed in error and marked as deceased. '' I had my open accounts unrestricted, and was advised I needed to contact via phone the same specialized group as before. I contacted that group and had the account re-opened again. 
XXXXOn XX/XX/XXXX I contacted American Express via the online chat inquiring about my missing rewards, as once again my rewards balance was wiped to XXXX ( was : XXXX ). I was advised to contact XXXX for additional support and to open a case. I was told I would be contacted again proactively with resolution. 
XXXXOn XX/XX/XXXX I contacted American Express via the online chat inquiring about status of missing rewards. I was told " It seems like the case is still being investigated. '' -Throughout this I have made numerous calls not listed to AMEX in an attempt to resolve through standard escalation channels. I have been rebuffed at every opportunity, and told proactive engagements and actions would come, that never seem to.
Product: Checking or savings account

In XXXXXXXX XXXX XXXX I had mailed a mortgage check to my mortgage company, a few weeks later my mortgage company called asking if we had sent out payment.this is when I printed the front and back of my cancel check and sent it to the mortgage company. At this point the mortgage company told me I would have to contact my bank to get a clear copy of the back of the check. When I called my bank they told me there copy of the back of the check was blank as well.at this point I explained to the representative of XXXX  what my mortgage company said and the representative told me to report it to their fraud department. Its been over 3 months. The only thing I know is that the bank that excepted this check under fraudulent facts is Bank of America. They have not responded to chase and I am being told that if they dont respond the case will be closed and I will loose my money. 
Bank of America was frauded. 
My check was deposited with my mortgage companies name still on and exactly how I sent it out. With no endorsement or any information on the back of the check. How can the customers loose money there money because the bank did not do there diligence on there side. 
Its going on 100 days and my bills are being changed interest and my daughters medical bills cant be paid because I had to use whatever money I had plus borrowed money to pay the mortgage.
Product: Credit reporting or other personal consumer reports

I started and paid for my quote with XXXX in XXXX for my policy to start in XXXX. My final month with XXXX was in XXXX because they increased my insurance from {$230.00} to almost {$370.00} a month. I advised XXXX XXXX when making the payment that XXXX would be my final month and I have already started service for XXXX with XXXX. I do not owe XXXX XXXX a dime and the collection needs to be REMOVED from my credit file indefinitely! There practices are unethical and it is wrong to charge someone for services they canceled and paid their final charges. Please remove this account from my credit report! I submitted a dispute on the account and submitted the evidence and Experian finished my dispute within 2 days and stated the items have been verifies which is incorrect! How can information be verified in 2 days? This is my credit and my life that is being compromised!
Product: Prepaid card

I received this card as a XXXX gift sometime over the last 5 years. I recently found the card while cleaning out desk. On XX/XX/year>, I attempted to activate the card, but wasn't able to through their automated system or online at XXXX. I called the number listed, XXXX and spoke to a rep who told me that the account was " inactive '' and instructed me to fax a copy of the card, front/back, and my ID, front/back to fax number XXXX. I did that and then called back today XX/XX/year>. I was informed the card had a XXXX balance. I asked how that was possible as I'd never used the card and was told it might have been " inactivity fees. '' I asked for original balance information and any usage or fee history. I was placed on hold, then hung up on.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as XXXX XXXX Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section XXXX ( XXXX ) ( XXXX ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have placed this duplicate charge on my credit ( the same amount twice ) which I have advised them of this more than twice, did a dispute thru XXXX, now XXXX and they still won't correct. I have explained each time to them their error, that it is affecting negatively my credit score and begged them to fix it. They still will not fix it. 


STERN RECOVERY SERVICES COLLECTION/CHARGEOFF Other {$600.00} STERN RECOVERY SERVICES COLLECTION/CHARGEOFF Other {$600.00}
Product: Vehicle loan or lease

In XXXX I submitted a complaint against the company for still reporting and attempting to collect in this Debt for acct # XXXX. I asked they remove the account from my credit report based the MultiState Settlement Agreement that was finalized in XXXX. The State of Florida was awarded XXXX for unfair lending practices. I contacted Santander 3 times in XXXX and was referred to the Special Accounts department. Per a woman named XXXX. She was not aware of this Settlement. On the Settlement agreement website it list XXXX XXXX as the administrator. I contacted XXXX XXXX and was advised to wait for a postcard if I was to be included in the settlement. Santander was lending based on an Internal scoring according to the lawsuit. If I was a recipient then I would receive a postcard. I have received my postcard stating that I will be awarded restitution. I called Santander as advised once I received my letter or postcard and the special department would request that the trade line be removed from all of my credit reports. I have been wronged by Santander Consumer USA for far too long. Please do your part and remove these negative entries from my credit report forthwith! I have suffered enough from your unlawful handling of my loan.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent ar address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements 665 under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 3 06 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

My XXXX XXXX credit card, a revolving credit line with a 23 year history in good standing with XXXX % credit utilization, was removed by TransUnion XX/XX/XXXX. I have called and repeatedly asked this account be returned to my profile. They refuse. When I ask them to put their refusal, and the grounds for it, in writing and send it to me, they refuse. When I ask to be provided explanation, preferably in writing, why the account has been removed from my credit profile and put, as they describe it, in the " deleted folder '' of my profile ( they can still see it is an active account, along with other details ), they refuse to provide any explanation or substantiation whatsoever. On one occasion, a TransUnion representative explained that TransUnion simply " reports information '' and that I needed to have my financial institution request the account be reported. XXXX has made this request, twice, with no action from TransUnion. Twice, TransUnion said it can not, or will not, return the active account, in good standing, to my credit profile. XXXX continues to electronically report this account 's details and did so on XXXX separate occasions XX/XX/XXXX, first on XX/XX/XXXX at the monthly statement close, and again on XX/XX/XXXX when the balance was most recently paid to a zero balance. These are regular and customary instances in which XXXX would provide account status electronically to the credit reporting agency. 

Not having beneficial credit information on my profile is as damaging as having derogatory information. It is the inverse, and has the same negative effect on my credit score. The XXXX account is a 23 year longstanding, active account in good standing with an impeccable payment history and substantial available, unsused credit - all these aspects would reflect positively on my overall credit profile and increase my credit score. TransUnion is negligent in this regard, and is consciously, and detrimentally, reducing my credit score. 

To further clarify, I do not have any dispute case numbers because TransUnion refuses to take any action whatsoever, as well as refuses to put their reasoning, action or refusal in writing so I have documentation.
Product: Checking or savings account

I was overcharged for banking fees during my acquaintance with Bank of America
Product: Credit reporting, credit repair services, or other personal consumer reports

Third party trying to collect a debt. That has been XXXX my name is has a copyright and trade mark and the debt has been fully XXXX. Per Usc 15 ( a ) ( 4 ) 1681 ( a ) Accuracy and fairness of credit reporting
Product: Mortgage

On XX/XX/XXXX, I try to Re-open my home equity credit line, because without any notice Truist Bank closed in XXXX. My daughter needs a medical procedure and I need the money in my Home Equity the total credit line is {$200000.00} and my balance that supposed to be available is more than {$35000.00}. They request from me a lot of documents, that I provide a few years ago when I open the home equity, XXXX weeks later, they send me that they can not open my balance, because I have been made late payment in XX/XX/XXXX, and because I have a collection account in my credit report. The true is I have been never late, and all customer service operators in the same bank confirmed, I have my statements, and I don't have any collection accounts in my credit. In addition to these irregularities, they report as XX/XX/XXXX as late payment, this practice makes my financial situation very hard, I can't find money from another bank, and I need to resolve my daughter health. This bank has bad procedures, and they don't help the people, they only do that they want to do, the customer doesn't care.
Product: Credit card or prepaid card

On XX/XX/XXXX someone fraudulently stole my credit card information and used it for XXXX   XXXX for {$100.00}. After that repeatedly someone used my credit card information to take rides on XXXX and XXXX. I reported this matter to Citibank Credit Card XXXX but to no avail. Citibank said that I will not be liable for any unauthorized but they did not honor their promise.

I trusted citibank and they broke my trust. Why I should pay for the charges I never made and why didn't the citibank blocked these charges from taking place? These charges continued till XX/XX/XXXX and Citibank is asking me to pay for it. All these charges amounted to {$610.00} and Citibank sent this amount to an collections agency XXXX XXXX XXXX XXXX on XX/XX/XXXX and they made this amount to {$750.00} which includes {$42.00} in interest and {$100.00} in Interest. 

Then I received a letter from XXXX XXXX on XX/XX/XXXX asking for the same amount of money {$750.00}. 

So it means it was further sold to XXXX XXXX. Citibank never told me what they did about the investigation, never sent me a letter, never called me. A totally irresponsible bank who makes people a fool by telling them that they are 0 % liable for fraudulent charges. 

I will urge and request XXXX to cancel their membership with Citibank as they are the most disgusting Bank and I don't want to deal with them anymore.
Product: Credit reporting or other personal consumer reports

I lastly disputed this XX/XX/XXXX due to the fact that the payment history, high limit, and account number is not being reporting correctly between the three credit bureaus. I also believe that the vehicle was sold, which means that the balance is incorrect. I received the dispute resolution on XX/XX/XXXX, but I am disputing the results. For the reason I have stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 if the person knows or has reasonable cause to believe that the information is inaccurate.