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

Hello, I received an email from Citibank on XX/XX/XXXX to sign up for a new Citibank checking account and receive a {$200.00} welcome bonus by opening the account and depositing {$3000.00} within 30 days and maintaining for 60 days. I made a deposit of {$3000.00} on XX/XX/2021 and it is now XX/XX/XXXX. I completed my requirements right away and after messaging and calling the bank they're saying they have no record of my account being attached to this offer. I have a PDF of the offer terms that I saved when I applied and I attached it here. The bank is refusing to issue the offer which is a breach of contract. Please help!!
Product: Vehicle loan or lease

I paid my car loan on XX/XX/2022 for XXXX dollars they charged me twice second charge was on the XXXX I didnt approve this charge they have took all my money and says theres nothing they can do that I have to wait 15 days I dont have 15 days this has put me in a big bind now with XXXX XXXX to get XXXX XXXX or XXXX my kids because of a so called system issue there having Im XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and CAPITAL ONE ran an unauthorized credit inquiry on me on XX/XX/2021. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact CAPITAL ONE and investigate such occurrence.
Product: Debt collection

Holst & Boettcher  continue to harass and use demeaning effor ts of contact. Holst & Boettcher has come to my place of employment to serve dated and inaccurate information. This is both demeaning to my reputation and unnecessary. It may be a violation of both legal and consumer laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

The company is MoneyLion. I signed up for their rewards program, where I had to play mobile games for money. They will not let me cash out the rewards, {$94.00}. They are preventing me from creating a checking account under the pretense of my verification failing, but they did not try to look at my driver 's license or do a video call with me. I believe they are intentionally doing this so I do not receive my rewards money. 

Since they are accusing me of fraud, I thought I should talk to their fraud department, but they would not let me. They would not let me attempt to verify myself at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you that I am a victim of identity theft.The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from this identity theft claim. The following items listed below are unknown to me. Which is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I tried to open a checking and saving account at XXXX XXXX XXXX after refinancing my car loan with them. 

And my account representative, XXXX XXXX was able to open a saving account for me. But, she could not open a checking account for me, because another bank reported me to the Chex Systems credit union. 

The Problem is with a previous account that i had with XXXX XXXX XXXX XXXX 

The Bank reported that i did account abuse. 

I think that it is inaccurate. As far as i remember, I had some overdraft charges on their checking account that i opened. And i disputed some of the charges with them. 

There were too many overdraft charges, and i asked the bank to close my account. 

When i was closing the account, there was an overdraft charge on my account that was supposed to be waived by the bank. Because i spoke with customer service and resolved the problem. 

I can not remember the full account number. The account ends with XXXX with routing number XXXX I try to avoid overdraft charges. 

And i have two other checking accounts with XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent in a FCRA XXXX letter. I didn't receive a response back. I then sent a 30 day Validation and still didn't receive anything back... furthermore they did not receive my consent, no consent is identity theft. Under 15 USC 1682b Permissible Purpose of consumer reports ( a ) In GENERAL- Subject to subsection ( C ) any consumer reporting agency furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates XXXX XXXX XXXX XXXX XXXX NEVER gave Experian any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. Concerning the accounts listed below as a consumer demanding deletion of these accounts. 
XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX - ACCT # XXXX
Product: Credit card or prepaid card

Can not use card at store ( says invalid transaction ), can not call auto phone number ( message says they can not access my account at this time ), i called customer service number and person on the phone says they can not access my account info and to call back at another time then said " to have a good night. '' I kept the person on the phone asking what was going on, he kept telling me the system was goung through an update, then changed to the techs were working on the problem. When i brought up that my fear is the system was hacked they hing up on me. Every time i call it sounds like the same person answers and he gives the same information.
Product: Credit card or prepaid card

I contacted Paypal, and they put me in touch with their Limitations department, where I spoke with XXXX. She looked into the PayPal Cash Card that was sent to me unsolicited and initated a three party call with The XXXX XXXX, that issued the card. XXXX at XXXX had my social security number and date of birth, which had been used to open the account, and which I had NOT provided to Paypal or XXXX at any time. The card had my maiden name only on it, not my married name. XXXX closed the account opened in my maiden name, and XXXX put a block in Paypal for future cards to be opened. She also sent me information on how to report the social security number fraud to the three credit bureaus and the Federal Trade Commission. There were not any transactions yet on the card, but now I want to make sure others are not opened in my name with my information.
Product: Credit card or prepaid card

Kohls department store was supposed to send our monthly invoices electronically through email however they made no attempt to send monthly invoices even though we had asked them several times. They then proceeded to charge us {$37.00} per month late fees. We feel that this is a widespread problem with Kohl 's department store and it needs to be addressed as soon as possible. If we were elderly or not knowledgeable regarding this situation others may be at risk. 

XXXX XXXX, XXXX late fees of {$37.00} XXXX XXXX XXXX XXXX late fees of {$37.00} XXXX XXXX, XXXX late fees of {$37.00}
Product: Credit reporting or other personal consumer reports

I called all three reporting agencies asking them to remove the hard inquiries reported in accurately and negatively on my credit report.

In accordance with 15 U.S. Code 1681- Congressional findings and statement of purpose section ( a ) & ( b ) it is detrimental to the consumer as well as our economic structure that these negative items be removed.

The inquiries that I wish to remove are located on the attached documents of this complaint.

Also this account is in collections which means that the business wrote the debt off on a 1099-C which is classified as income by the IRS.

15 U.S. Code 1681a ( 2 ) ( a ) ( i ) supports the previous sentence and states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer and the person making the report.

7 CFR 1782.3 - Definitions : Charge-off. Write off of a debt and termination of servicing activity without release of liability. A charge-off is a decision by the Agency to remove debt from Agency receivables , however, future payments may be received.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

To conclude, In accordance with 15 U.S. Code 1681- Congressional findings and statement of purpose section ( a ) & ( b ) it is detrimental to the consumer as well as our economic structure that these negative items be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit monitoring. Well recently some hard inquiries have shown on my report that were not there previously. I did n't get a notice that they were going to be added back on. I have called the companies and they say I have to call the credit agencies to resolve it. I call the credit agencies and get a foreign person that says they can not help me I need to call the business. At this point I am frustrated because I am trying to upgrade in home for my kids and this is keeping my scores down. I need them removed. I also know that there has been some reported glitches in more than one of the major credit reporting companies and I do n't understand why end of last year the inquiries were gone the re appeared this year just does not make sense, then to bring my score down in points is devastating in the least XXXX XXXX X/XX/16 XXXX XXXX X/XX/16 XXXX XXXX XXXX X/XX/16 XXXX XXXX X/XX/16 XXXX X/XX/16 XXXX X/XX/16 XXXX XXXX X/X/16
Product: Mortgage

In XXXX of XXXX we called to get help with our mortgage payment as my husband was laid off due to XXXX lay offs he was laid off on XX/XX/XXXX of XXXX the next day my mom passed away and also in XXXX of XXXX my XXXX  grandson was XXXX the XXXX XXXX XXXX  All was brought to Carrington Mortgage as alot had happened in this three months also my XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX when we spoke to them i thought they were really helping only to find out that the modification was for a year and were gon na be required to pay a ballon pymt of XXXX by XXXX XXXX XXXX since then we have stressed about how we are going to get this money. Carrington saw the equity in my house and are hoping that we would default and they can sell my house and make money. They were never worried about us saving our house. They were looking out for carrington Mortgage not us.
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 XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, account names : XXXX XXXXXXXX XXXX XXXXXXXX, account name XXXXXXXX XXXX XXXX XXXX XXXXXXXX, account name XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX bankruptcy discharged reference # 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 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.
Product: Credit reporting or other personal consumer reports

Experian is failing to investigate my disputes. 
They are furnishing inaccurate information despite the fact of having documentation to back up said claims. 


Experian refuses to investigate my account with first premier. 

I filed a complaint with the cfpb on XX/XX/XXXX. 

Experian noted the dispute in my experian account on XX/XX/XXXX. 

By XX/XX/XXXX. 

Experian has still not investigated my late payments due to Covid 19 for XXXX XXXX XX/XX/XXXX. 

I have also provided documentation from XXXX XXXX in previous disputes stating my accounts were in good standing as XX/XX/XXXX. 

Experian refuses to comply
Product: Credit card or prepaid card

I requested assistance under their COVID-19 guidelines posted on their bill payment website. I was allowed to defer 2 monthly payments under the CARES Act. Citibank then turned around and reduced by credit limit my more than one half the original limit. This is the second card they have done this on ( Costco Visa and XXXX XXXX ). I expect more to come by Citibank. By doing this it now reflects on my credit report I'm at 98 % usage on the credit card. Citibank purposefully adversely affected my credit report without telling me they would do this. Their excuse was my payments were lower than expected. However, I made every minimum monthly payment on time the last several years and 100 % of the time made more than the minimum payment required.
Product: Credit reporting, credit repair services, 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. 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 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.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX , NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Dear Sir/Madam, I am writing to file a formal complaint against Discover Financial Services concerning their refusal to provide me access to my own credit, which I believe constitutes a violation of Title 15, Subsection 1611 of the United States Code . Discover 's actions have had an adverse impact on my consumer credit, as described under 15 U.S. Code 1681. 

On XX/XX/2023 I applied for a discover card online. The terms and conditions do not expressly tell you that the application is turned into an asset backed security and sold so the company can profit whether credit card is approved or disapproved. I was denied credit, then upon researching the company 's filings and I read how they profit from the application, I immediately contacted discover and expressed my concerns.

Discover response with their decision stands.

I have attached relevant documentation, including correspondence with Discover, to support my complaint.

I am deeply concerned about more than just the denial of access to my credit. I have reason to believe that Discover Financial Services may be involved in securities fraud. According to the company 's annual reporting ( 10-K ) and indenture agreement on file with the Securities and Exchange Commission ( SEC ) , the credit application I submitted to Discover appears to have been turned into an asset-backed security. This raises serious questions about the legality and transparency of their financial practices.

Given these concerns, I believe it may be important to involve the Federal Trade Commission ( FTC ) in investigating how many applicants may have been affected by similar actions by Discover Financial Services.

I kindly request that both the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) investigate this matter thoroughly and take appropriate action against XXXX File Number XXXX Discover Financial Services XXXX ( I.R.S. Employer XXXX XXXX. ) located at XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX for their alleged violations of federal laws, including potential securities fraud. 

I also request that the CFPB assist me in resolving the issue of denied access to my credit and ensure my access to accurate and complete credit information. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this complaint. 

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

This is a response to Experian for their response on XX/XX/2021 for the formal complain submitted to Experian through CFPB Complaint ID XXXX on XX/XX/2021.
Product: Student loan

The Loan servicer Navient has added more than double the amount owed as the amount of student loan and is reporting inaccurate information. I believed that most of this has been paid. I asked for records with the loan servicer and they are unable to provide where the information came from, I contacted the state of Michigan and they gave me several pieces of accurate information. The servicer is reporting more than double the balance that was transferred to them and in the past 7 years the loans were almost paid off until they were sent to Navient. I have paid over {$18000.00} and now the loan amounts have more than doubled. I have contacted Navient several times in the past 6 months and they still can not provide information on where the balances came from.
Product: Debt collection

Debt collector placed account on my credit report due to same name. When I contacted the creditor, I was told application was filled out online and sent to another address which is not mine. Informed original creditor of an identity theft block on my credit report which requires that I be called before any service is issued. Creditor response was a credit check is n't ran upon opening an account so they 're not able to remove account because someone opened it in my name.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Revolving account opened on XX/XX/XXXX and a balance of {$15000.00}. I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX Open account opened on XX/XX/XXXX and a balance of {$1000.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX Revolving account opened on XX/XX/XXXX and a balance of {$2300.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX  on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.