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

I would like to file a claim regarding my Citibank Saving 's promotion. I logged into my account and saw this promotion in XXXX. Then I clicked the link in the promotion to enroll. I also called the phone number provided in the promotion, and sent a secure message to Citi customer team to confirm. Both service representatives confirmed that I successfully enrolled into this promotion, and I should receive the bonus after I completed the requirements. As stated in the terms, this promotion is valid for my existing Citibank Saving account. 

Here are the terms for the promotion offer I enrolled : The cash bonus will be credited to your new or existing Citibank ( R ) Savings Plus Account within 90 calendar days from the date when you completed all offer requirements. To qualify for a cash bonus offer, you must first enroll by clicking " Enroll now '', visiting a branch and asking a Citibank Representative, or by speaking with a Citibank Representative through CitiPhone Banking ( R ) by XXXX/XXXX/16. You must make a minimum deposit of {$25000.00} in new-to-Citibank funds into a new or existing Citibank Savings Plus Account betw een XXXX/XXXX/16 and XXXX/XXXX/16. New -to-Citibank funds are funds that are not currently held at Citibank or an affiliate of Citibank . Cash bonuses are tiered and qualifying deposit amounts range from {$25000.00} up to more than {$250000.00}. The amount of your cash bonus depends upon the amount of your qualifying deposit. The qualifying deposit tiers are : $ XXXX {$49000.00} earns a {$300.00} bonus ; $ XXXX {$99000.00} earns a {$400.00} bonus ; $ XXXX {$240000.00} earns a {$500.00} bonus and {$250000.00} and more earns a {$700.00} bonus. The qualifying deposit must be maintained in the Citibank Savings Plus Account until XXXX/XXXX/16. 

I funded my Citi Saving account with deposit of {$25000.00} in new -to-Citibank money in XXXX and maintained the amount until XXXX, which met the requirements for the {$300.00} bonus in the promotion terms. However, Citibank refuse to give me the bonus stated in the promotion. I contacted Citibank and they conducted a investigation for my case. The result letter of the investigation said that they can not find the promotion in my account. As stated before, I clicked the link in the promotion page to enroll. I also called the phone number provided in the promotion, and sent a secure message to Citi customer team to confirm that I have successfully enrolled into this promotion. I have taken a screenshot of the promotion, and saved all the communications with Citi customer service representatives as my record.
Product: Credit reporting or other personal consumer reports

I am disputing the above-referenced debt. Please verify these debt as required by the Fair Debt Collection Practices Act Because I am disputing this debt, you should not report it to the credit reporting agencies. I noticed some things are incomplete and not accurate .If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them them to reinvestigate these accounts because the opening date is not reporting correctly, date last active, date of correct., These accounts are not active. 
Aside from verification of the debt, do not contact me about this debt. 
The Fair Debt Collection Practices Act, 15 USC Section 1692c requires that you honor this request. Your cooperation will be appreciated. Please send updated credit report. Follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THIS ACCOUNT IS NOT ACCURATE DELETE ACCOUNT XXXX {$540.00} XXXX # XXXX FROM MY CREDIT REPORT DELETE ACCOUNT XXXX  {$270.00} XXXX # XXXX FROM MY CREDIT REPORT DELETE ACCOUNT XXXX {$600.00} # XXXX FROM MY CREDIT REPORT DELETE ACCOUNT XXXX  {$200.00} XXXX # XXXX FROM MY CREDIT REPORT DELETE ACCOUNT XXXX XXXX {$500.00} XXXX # XXXX FROM MY CREDIT REPORT DELETE ACCOUNT XXXX XXXX XXXX {$480.00} XXXX # XXXX DELETE ACCOUNT XXXX XXXX XXXX {$490.00} XXXX # XXXX DELETE ACCOUNT XXXX XXXX {$500.00} XXXX # XXXX FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX {$200.00} XXXX # XXXX FROM MY CREDIT REPORT DELETE ACCOUNT XXXX {$0.00} XXXX # XXXX FROM MY CREDIT REPORT ALL OF THESE ACCOUNTS HAVE MULTIPLE VIOLATIONSOF THE FAIR CREDIT REPORTING ACT OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THIS ACCOUNT IS NOT ACCURATE
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

OnXXXX I received a text from what said to be Bank of America asking if I authorized a XXXX  payment of {$3500.00}. I responded no ans immediately received a phone call from Bank of Americas XXXX number. The person on the phone said he was from the banks fraud dept and he was going to help me reverse the transaction of the XXXX  payment someone from XXXX ga illegals made from my account. He verified lots of information just like the bank does when you speak to them then he told me in order to revere this and get my money back I would have to XXXX  the money back to Myself. XXXX accounts are made/ used with your phone Number so I did just that like he said I only had {$1600.00} in my account so he said that was the ammount I had to revere so I was coached on how to revere this which was going into my app to the XXXX part and sending my self the {$1600.00}. I was then told I would get new banking credentials since my account was hacked. About an hour later when I realized I never received them and then saw all of my money was gone I called the bank. I was scammed out of my entire account. I made a police report that same day XX/XX/XXXX. Bank of America advised me it would take 10 days to resolve. I called after 8 days on XX/XX/XXXX I was told my money would be refunded back to my account within 48 hours which would have been XX/XX/XXXX. No funds so I called again on XX/XX/XXXX I was told no decision was even made so he wasnt sure why the rep on XX/XX/XXXX told me I would have a refund by XX/XX/XXXX. This rep told me it had been escalated and that I would have a decision by end of day XX/XX/XXXX. I never heard back so I tried calling on XX/XX/XXXX bank was closed until XX/XX/XXXX. On XX/XX/XXXX I called and was told that the decision was made in my favor to refund me the money and I would have the refund my end of day XX/XX/XXXX. I made plans that day to go purchase a vehicle because my vehicle was recently totaled. I did this based off the information I was given by Bank of America. I never got the funds on XX/XX/XXXX checked again early XX/XX/XXXX no funds so I called again at XXXX on XX/XX/XXXX rep tells me no decision has even been made yet. I would have to wait for the decision so she cant even tell me if Ill get the money back at all. I requested to speak to a supervisor I was told Id receive a call back from a supervisor or manager but have not heard back.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 


XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX  Account Number : XXXX XXXX. XXXX  XXXX  Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I canceled my credit card with XXXX XXXX XXXX over the phone the first week of XX/XX/XXXX and paid the last payment of {$8.00} on XX/XX/XXXX because I no longer needed to pay a monthly fee for a substandard {$2500.00} limit credit card since my credit score was over XXXX and I have several other no-fee cards with limits over XXXX At the time I assumed that the operator I spoke with did their job and no further interaction was needed, and had received no further contact or statements from them after that last payment was made ... ... A few months later in XX/XX/XXXX I went to check on my credit score and found that it was XXXX so I investigated and found out that XXXX XXXX had not closed my account and instead had kept charging me monthly fees on top of late fees for those fees and had been reporting this information to the top 3 reporting agencies without even contacting me to resolve the problem, so I immediately went to their website to get all the attached documents and contacted them XX/XX/XXXX and explained the situation to about 5 different people who did n't speak good english over the course of 5 hours and after threat of a lawsuit was finally was able to get the charges removed and once and for all cancel the card ... However they are still reporting this as a delinquent account for the roughly 3 months in between and claim that they have no control over reporting that information ... I have also disputed this with the 3 major credit reporting agencies and it is still not getting corrected properly ... I take great pride in my credit score and payment history and neither should suffer due to their incompetence ...
Product: Credit reporting or other personal consumer reports

XXXX XXXX changed of XXXX different accounts on my credit report. Ive have called this company numerous of times about this fraudulent accounts and they keep telling me these accounts are accurate. They have sold these account to XXXX different debt collectors but XXXX XXXX XXXX and XXXX XXXX XXXX is still shown on my credit report. They are violating my rights using 15 usc code 1681 to a fair and accurate credit reporting.
Product: Credit reporting

1-I was taken to the XXXX for a XXXX problem,2012, after testing I was ttold XXXX would have XXXX tomorrow and it never happened. I went home and contacted another Doctor. I was billed for this by XXXX Co. 
It now shows in collection.They did accepted my medicare and insurance. sent tocollections. 
2-XXXX first wrote off my account and now it shows new.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Agencies have not complied with my requests as well as the Fair Credit Reporting Act and continued reporting the disputed accounts and information as verified without sending me copies of proof of verification. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Under the Fair Credit Reporting act section 605b, the Credit bureaus are required to remove any accounts and information that resulted due to identity theft. The Credit Bureaus have failed to comply with the two Federal Regulations and is punishable by law. If the Credit Bureaus have claimed that the disputed items belong to me, they should have sent me copies of proof of verification and informed me of their findings, and yet the Credit Bureaus have not done so. I am submitting this CFPB Complaint to request to the Credit Reporting Agencies to please remove the disputed fraudulent accounts and information as soon as possible. Here is the list of accounts and information that were opened due to identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$920.00} XXXX XXXXXXXX Balance : {$170.00} XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$75.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all XXXX credit bureaus to verify debt with the furnisher for the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not received original contract from either company to date. Dates of mailed letters : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 I used chime bill pay service and payed XXXX XXXX and a paper check was mailed to the utility company I also did the same on same day with XXXX insurance for the amount of XXXX dollar these checks show cashed on my account page but no proof of payment is available by providing picture of cashed check from and back both merchants have requested proof of payment to credit the account I have informed chime that Both FDIC and U.S Treasury monetary rules and regulations say they must provide a copy of the check front and back at my request they refuse to do it and have kept my funds. Will not provide the information the are legally bound to provide as a bank
Product: Mortgage

This complaint is associated with case # XXXX The complaint must be corrected as to the location of the property address which is incorrect as shown. The property address is : XXXX, DELAWARE XXXX Nationstar 's response to this complaint is unacceptable. For the past 6 years, Nationstar has used the same response to all queries- " We will check for error ''. We want our questions answered and want them to stop stalling. They have no escrow department and after all this time, they are admitting they have no idea where each of our payments went? This is what we want answered as per our complaint : Payments have been posted late, even though we have tracking numbers ; who is receiving these payments? The transaction history reports have been manipulated- each one is different ; payments were applied to a bogus escrow account rather than interest and principle as per the law. XXXX checks were returned and refused by Nationstar in order to force a manufactured default and ultimately an illegal foreclosure. A Nationstar witness in Court testified to the non-existence of an escrow account, yet Nationstar needs 30- 60 more days to determine if their witness was reliable!?!? Twice, Nationstar paid our homeowners insurance when it had already been paid. Why is Nationstar the MORTGAGEE on our insurance? They refuse to answer this!! 
This is an unacceptable response from Nationstar and we demand answers!! Not 60 days from now, but now! Do you need this time to make up answers?
Product: Credit card or prepaid card

XX/XX/23 XXXX PT - Received credit report alert from XXXX and XXXX that Capital One ran a credit check on me XX/XX/23 XXXX PT - Called Capital One to investigate and they confirmed a credit card application was received that morning ( XX/XX/23 ). They cancelled the application immediately. 

After submitting this complaint, I will be reaching out to XXXX, XXXX and XXXX to apply for an extended fraud alert, as well as filing a police report.
Product: Credit reporting or other personal consumer reports

After conducting an investigation on my credit report, I discovered several unverifiable, invalidated, inaccurate, and questionable items. Despite bringing these issues to your attention, your agency failed to rectify them, causing significant distress and XXXX 

Under the Fair Credit Reporting Act, it is imperative that all information on my credit report is reported accurately and in accordance with the law. However, these accounts are in clear violation of Sections 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), as they continue to be reported incorrectly. 

I have attached copies of all correspondence sent regarding this matter for your reference. I urge your agency to take immediate action to ensure that my credit report reflects 100 % accurate information, as mandated by law.
Product: Debt collection

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RA Roger Collection ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing 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 provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX is in violation and not in compliance with Metro 2
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX - XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX - XXXX {$500.00} XXXX - XXXX {$1400.00} XX/XX/XXXX - XXXX {$1000.00} XX/XX/XXXX XXXX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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.