23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate closure of my account with Credit Collection Services, as I believe this account is fraudulent and was opened without my consent or knowledge. I have no association with this debt and did not authorize any transactions related to it.
Product: Bank account or service

I had submitted a prior complaint under case number XXXX. 

I had signed up for a citigold checking account promotion ( promo code XXXX ) where i was promised XXXX thank you points if i opened an account as well as participated in bill pay. After submitting proof of a citi chat rep confirming i had met the requirements, and would receive the bonus. I had then received the following respone from citi through the CFPB : Citi Bank said : Explanation of closure XXXX XXXX, please accept my sincere apology for the inconvenience you described surrounding your attempt to participate in a new account promotion to potentially earn Thank You points. Our goal is to ensure that all of our clients are provided with the highest level of service and we regret that you found cause for dissatisfaction under any circumstance. I assure you that our marketing strategies are certainly not intended to mislead you, or any potential client. Citibank, like other banks, periodically offers promotional bonuses to deposit account applicants to attract new banking clients. In order to conduct our promotions in a manner consistent with sound business practices, we may customize offers by direct mail campaign initiatives to select individuals, in addition to the requirement of the standard terms and conditions that Citibank discloses for its promotions. 

In our review we found that the offer in question, promotional code XXXX, was not directed to you. However, Citibank fully respects any obligations made to you in the chat conversations you had with our Customer Service agents. Therefore, we are prepared to honor your request and the XXXX Thank You points ; however, your enrollment to the Thank You Reward Program is still pending due to not receiving your completed XXXX form for your account. Once the Form XXXX has been received and processed then we can enroll you in Thank You and credit the Thank You points to your Thank You account. We anticipate that the Thank You points will be available in your Thank You account within the next 60 days as long as your Form XXXX is certified successfully. 
Relief Non-Monetary relief granted of XXXX Thank You points pending Form XXXX is certified successfully. 


I also received a hard copy letter from XXXX XXXX of the Executive Response Unit on XXXX/XXXX/16 informing me i would receive the XXXX thank you point bonus as long as i filled out a XXXX form. I had a form, sent to me which i filled out, and sent back, as well as cconfirmed i am signed up for the Thank You rewards program through the citigold website.
Product: Bank account or service

My mortgage payment check was deposited into a XXXX XXXX account instead of nationstar. JP Morgan Chase has released my money to someone other than it was intended for. I filed an affidavit with Chase on XXXX XXXX, 2016 and am still waiting for my {$1800.00}. Chase stole my money. I want it back with interest.
Product: Credit card or prepaid card

I received an email on XX/XX/XXXX from CapitalOne stating that they were decreasing my credit limit on 2 credit cards. One by 60 % and the other by 80 %. I have been a customer with one of those cards for 17 years. I have had zero late payments. I called customer service because I am also in the middle of refinance and its not clear if their decision will affect my closing date. CapitalOne is saying their is nothing they can do. I escalated to management and the same was said. This will affect my good credit score of XXXX. They've said that my letter explaining in more detail is in the mail, the only explanation in the email states that's its because I'm not using enough credit. In the past I've never had my credit reduced, if anything over the years it's increased without me asking. This also puts consumers at risk with its poor business practices, this will decrease my credit. Additionally, if I close these credit cards that will take an additional hit on my credit.
Product: Credit card

Dillards Account for XXXX XXXX ending in XXXX I am writing to formally request your assistance in resolving an issue involving Citibank and their handling of a Dillards credit card account. This account was previously serviced by XXXX XXXX Bank, and I have never had a billing relationship with Citibank. This matter arose after Citibank took over the Dillards credit card program. 

This account was included in my bankruptcy filing ( Case Number : XXXX XXXX, XXXX on XX/XX/year>, by the U.S. Bankruptcy Court XXXX XXXX XXXX XXXX ). Despite the discharge, Citibank has inaccurately reported activity on my credit report and attempted billing for this account, actions that violate the United States Bankruptcy Code.

I have made previous attempts to resolve this matter directly with Citibank, but they have failed to take appropriate action. Their continued failure to comply with bankruptcy laws is unacceptable. 

Enclosed with this letter are copies of my bankruptcy discharge notice and supporting documentation. I respectfully request the CFPBs intervention to ensure Citibank complies with all applicable laws and corrects this matter promptly. 

Thank you for your attention to this urgent matter.
Product: Credit reporting

I have on several occasions requested my annual credit report and waited the allotted time, and still have n't received my report from EQUIFAX. Then on top of that it will not allow me to dispute inaccurate information on my report such as the derogatory accounts not being mine. I have been denied credit because of information specifically in my credit file with EQUIFAX!
Product: Checking or savings account

Bank of America claimed my account was overdrawn on XX/XX/XXXX and charged me a {$35.00} fee. The closing balance on XX/XX/XXXX was {$9.00}, however.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/scrub>XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXccount Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out via certified mail to LexisNexis on XX/XX/XXXX and XX/XX/XXXX to dispute that the Bankruptcy Courts for Georgia do not report bankruptcies to credit reporting agencies. I provided a letter from the United States Bankruptcy Court Northern District of Georgia stating this fact.

I have requested that this information be removed from the LexisNexis report that has a bankruptcy showing. I have not receive any response to either of the letters after giving LexisNexis 30 days to investigate after sending each letter. 

If need, I can provide copies of the letters I sent to LexisNexis, the delivery confirmation of the certified letters and a copy of the letter from the United States Bankruptcy Court stating that they do not report bankruptcies to the credit bureaus.
Product: Credit card

Bank of America sent the attached letter. Fradulantly stating that I had submitted an application for a cedit card. I never submitted an application. 
To me this is a fiching scheme.
Product: Debt collection

On X/XX/2017 my phone rings and shows a number at XXXX. When the in formation shows up it showed that this is a company that I had already reported before to the Credit Bureau for just putting information on my credit report that had been removed over 4 to 5 years ago for a debt that either was not mine or had been disputed by prior credit collection companies who removed the information from the credit report. I also contacted them ( ERC ) and received conformation that the debt was removed. I am not sure how this account showed up almost five years later with ERC and just placed on my credit report with no knowledge of this account by me and with a new age date on my report. After, I informed the credit bureaus and this collection company about this they removed the information but now I have started receiving calls from this company again when I plainly sent in communication not to call me but they continue to call me from different numbers for no reason. When I sent in my communication I let them know I would like to know off the top the statute of limitation on this alleged debt and why did they just put inaccurate information on my report that was re-aged to begin with.
Product: Credit reporting or other personal consumer reports

the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I disputed with the company listed above that this account is fraudulent inquirie. i was told the account was verified and no proof was shown to me of how the account was verified.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Hello, I received an email entitled " Get up to {$5000.00} back when you refinance by XX/XX/XXXX! ". on Friday XX/XX/XXXX late afternoon from CommonBond. I confirmed via email with their support that this was a legitimate offer and the only requirement is that you are approved for a loan and submit documentation by midnight on XX/XX/2021. During the application process, their system did a hard credit inquiry and automatically pulled in information from my 2 existing private student loan lenders and balances. It required " verification '' of 1 of the 2, which is a loan from XXXX XXXX, serviced by XXXX. Unfortunately XXXX XXXX customer service department is closed on Saturday and Sunday, not opening back up until Monday so I was unable to retrieve the requested information and submit the application in time. This makes me both ineligible for the promotion and I now have a hard inquiry and lower credit score as a result. It seems to be a common practice for financial institutions to be closed over the weekend so it seems like it is deceptive of Common Bond to run a promotion that is only offered during a very small period where it would be difficult or impossible to finish the loan application. Not to mention, I was approved and eligible for the promotion until after my credit was pulled.
Product: Credit card or prepaid card

I have had credit issues and my credit score has been very low over the past 2-3 years. The entire time I have had a credit card with Chase bank and they have never decreased my credit limit. I now have a new job, making $ XXXX a year and started paying down all my debt and improving my credit score ( this is the best it was been I. Years ) but chase lowered my credit limit without an advance notice stating it is based on my credit worthiness and is at their discretion. However, my score is better than it has ever been and makes zero sense. Tried calling chase multiple times and either get my call Transferred to a holding zone for 30+ minutes with no answer get hung up on. 
They tell me they can increase or give me more credit but I have to do a credit line- why? It feels predatory or like they are forcing me to take out new credit. Which makes ZERO sense if they lowered my limit based on my credit worthiness.
Product: Credit reporting or other personal consumer reports

I've made plenty of requests of denial on the credit card, & made a police report & its still on my report!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CXXXX XXXX XXXX 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. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports state I have a Serious Delinquency on my XXXX Mortgage. XXXX is reporting that was 120 days late and that is incorrect. I was in a disaster area ( Hurricane Harvey XX/XX/XXXX ) and on a mortgage forbearance program sponsored by XXXX From XX/XX/XXXX until XX/XX/XXXX - no mortgage payments were required. In XX/XX/XXXX, I entered into a loan modification program where I made trial payments from XXXX through XXXX. My loan was modified and I started making payments according to the new schedule. At no time was I considered late. In XXXX of XXXX, my credit report was impacted by XXXX reporting that I had a late payment history with the worst payment being over 120 day late. I disputed this with the credit reporting agencies several times. I called XXXX in XXXX and they said that although no payments were required during the forbearance period, none were received (???? ). Basically saying that even though you weren't required to make a payment, you are technically late because a payment was not received. I received a letter from XXXX in XX/XX/XXXX stating that my account has been reported correctly to the agencies. After continued disputes I called XXXX in XXXX and spoke with the Credit Reporting Department. They agreed with me that I should not have been marked late and that the reporting was done in error. However, they have not guaranteed that this will be corrected. 
This false and inaccurate reporting has had a serious impacted the credit scores for my wife and I for over a year ; dropping our scores below 600 and denying us access to loans and competitive interest rates.
Product: Credit card

Cashapp has unlawfully taken money out my account on multiple different occasions, and I've have filed multiple that resulted in no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account a total of XXXX times. This accounts isnt mine. After requesting information ( Validation of debt Letter ) I found information on this account that proves is does not belong to me. I have never did any banking with XXXX XXXX XXXX first off, then second the payment history on the account does not match up to what they have reported on my credit report. Also, they typed my name is the Borrowers section of the alleged contract, thats not even my signature. This isnt a validation of debt at all. Unless they send an original contract with my complete information remove this immediately.
Product: Checking or savings account

I deposited a check of {$7800.00} to my Bank of America checking account and the amount was available in my checking account the next day ( on XX/XX/2019 ). I had to return back money to the person who gave me this check, so I did online transfer of {$5000.00} to that person using XXXX ( on XX/XX/2019, there were 3 XXXX transfers made of {$2500.00}, {$2400.00} and {$10.00}, totaling {$5000.00} ). But, after 5 days the check that was deposited was bounced by my bank saying that the source bank ( XXXX XXXX XXXX Bank ) did not honor the check. The check amount {$7800.00} was reverted after 5 days ( on XX/XX/2019 ). Bank of America misled me into believing that the check amount is available to me for use, when it was not actually available. 

I want my money back ( {$5000.00} ), which I was cheated of because of misleading information provided by my bank ( Bank of America ). 

Thanks!
Product: Debt collection

I received a debt collection notice from Schwartz, Schwartz, and Associates in the mail on XX/XX/year>. The alleged debt is from a contractor I had a dispute with in XXXXXXXX XXXX XXXX  I responded to the debt collector via US mail on XX/XX/year>, explaining that I disputed any responsibility for this alleged debt. The contractor never completed the work and left damages to my property, which the contractor never addressed, despite multiple requests. I had a collection notice entered on my credit report by Schwartz, Schwartz and Associates in XXXX of XXXX I never received any response from this debt collector, nor any proof of the debt, which, as I understand, is a violation of law. In XXXXXXXX XXXX XXXX, I noticed that my credit report and my wife 's had a derogatory remark from this debt collector, which negatively impacted my credit score. As explained, I do not accept any responsibility for this alleged debt, and the debt collection agency provides no supporting documentation of the alleged debt. I'm considering this to be harassment and intimidation and request assistance for these derogatory marks to be removed from my credit report and my wife 's.
Product: Vehicle loan or lease

My car was deemed as a total loss. I had Insurance and GAP insurance. Theres absolutely NO REASON I should have a balance when I had insurance in place of this and this lender didnt work make sure GAP covered the balance. They instead charged me fees that I shouldnt have or be responsible for
Product: Credit reporting or other personal consumer reports

I am writing to dispute a collection account reported on my, credit report. The account in question is from XXXX XXXX and is currently listed by XXXXXXXX XXXX Basis for Dispute I dispute the validity of this collection for the following reason : Lack of Authorization to Collect in North Carolina : According to the North Carolina Department of Justice, debt collectors must be licensed by the state to collect debts from North Carolina residents. We have been unable to locate a valid North Carolina debt collection license for XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was notified of a hard inquiry on a Capital One credit card Ive had for almost XXXX years and have not tried to open a new credit card recently. Im not understanding where this is coming from.
Product: Debt collection

I had an account with XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX when I cancelled my service and moved from that apartment, but they turned it back on, I'm guessing for the new renter but they kept it in my name and the people renting the unit never had it corrected.This was sent to collection company, XXXX XXXX XXXXXXXX XXXX This was the first I had heard about it and asked them to send me the paperwork because I knew I had cancelled and paid my final bill.Which they did and it clearly shows that it was cancelled and they stopped collection efforts and deleted it from my credit report in XX/XX/XXXX. Then I pulled my credit report in XX/XX/XXXX and the account had been sold of to National Recovery. I went directly to this collection agency and asked for the proof, they ignored me. I wrote to the bureaus where they also ignored me. I went back to the new collection agency, National Recovery, and sent them the paperwork that I had been provided by XXXX XXXX XXXXXXXX, showing proof that I had paid it. I have yet to hear back from them so I sent XXXX XXXX a letter directly asking them to please pull the account from the collection agency because this was their fault. I did not receive a response so I called them directly they claim they have never heard from me and would not look into the account.
Product: Debt collection

XXXX has reported on my credit, that I have a collection account. Jefferson Capital systems. I have disputed this many times. Still it remains on my credit report.Im not aware of this account nor did I ever open this account. Im really frustrated because it's affecting my credit score. It's really damaging my credit history. Ive called the Jefferson ca [ ital systems, they say they are just collecting on behalf of XXXX. Ive never owned a XXXX account or phone. This must be fraudulent. I have explained this to XXXX many times but they say the same thing to wait until results of dispute are available. Once they are they say dispute them. It's very stressful. Id appreciate if you can help me with this problem I'm having and is affecting my life in a very negative way.
Product: Debt collection

I was sent via XXXX a letter from XXXX XXXX XXXX for wage assignment in XXXX with a court date of XX/XX/XXXX. I went to court on that day and the lawyer for XXXX XXXX XXXX stated my employer XXXX did NOT respond to the lawyers request for wage assignment and my case was to be forwarded to XX/XX/XXXX. Yet my wages are being garnished with NO court judgement against me. The lawyer stated to call my HR employer and state to them to respond to their request so that it can finalized in XXXX. I called XXXX XXXX XXXX and the rep stated to be as of XXXX XXXX  their office STILL DID NOT receive any type of notification from XXXX ( my employer ) to their request. I also stated to the rep at XXXX XXXX XXXX I went to court to state my case and she told me it does n't matter anyway you do n't have any right to appeal the decision, it is just an option for you to show up and nothing can be done. XXXX did n't send me any notification of garnishment until XX/XX/XXXXthe day AFTER I went to court. When trying to speak to representative at XXXX I asked to speak to a supervisor the rep there transferred me to someone else who was not a supervisor. I then asked to speak to a supervisor which the woman put me on hold for 10 minutes stated there was no one available and then hung up on me. I called back and was hung up again.
Product: Prepaid card

I tried multiple times to use my Amex prepaid gift card online with multiple retailers on XX/XX/year> and XX/XX/year> and all my transactions are denied for no reason. There is nothing I can do to resolve this. I called them and couldnt even successfully get a refund of the balance. I live in the state of NJ and by law they should give me my balance back. I can not use this {$50.00} card, and this seems more like a scam than a prepaid gift card. I just want my money back!