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

My name is XXXX and I am a Paypal customer with email address XXXX PayPal 3 weeks ago put a block on my account and asked me to provided documents such as ID card, bank statement and proof of address. 

I have provided this information but my account is still locked. 

I would want PayPal to unlock my account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has not updated my report as requested. XXXX XXXX XXXX  is still reporting me as high balance and owing money, when I paid this account in full, was never late. They are continuously breaking Federal Law. This needs to stop. This is affecting me and my family. I can not get any credit or do anything to since my report is being high jacked by these tyrants. Please do the right thing and make these guys get it right. At this point and time I will be seeking legal counsel. For I have tried to resolve this 4 times now and have no results what so ever.
Product: Checking or savings account

I tried to access and overlook my new checking account online this morning, XX/XX/2022, but was only granted access to my long time existing credit card. 
I reached out to CitiBank customer service, and was referred to call the fraud department ( XXXX XXXX XXXX, opt. XXXX ). 
I provided a representative with my debit card #, SSN, name, address, security word and other personal info to verify my identity. I was told I could not be authenticated through a text message code verification, so no information or action would be taken to oversee the status of my account. I provided the associate with my phone #, and they insisted I use someone elses phone number, perhaps a brother or a sisters phone number, the representative told me. 
When I questioned how that could possibly identify me as an account signer, I was told to go to the branch, and the representative discontinued the phone call. 
I tried to contact the department 2 more times.

The first time the representative just kept saying hello, and seemed to just push number keys on the telephone. 
On the third call, I was told again that unless they could send a code to the phone number which I was calling from, they could not access my account. 
I asked to escalate the situation with a supervisor, and both the first and third representatives informed me no supervisor was available. I asked for the representatives name and they quickly disconnected the phone call.
Product: Credit reporting or other personal consumer reports

I have reached out to the credit monitoring bureaus EQUIFAX, XXXX, and XXXX. 
In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and promptly removed from my credit report. It is my understanding that you will conduct a reevaluation of these items by contacting the creditor responsible for their inclusion. I kindly ask that any information that the creditor is unable to substantiate be expunged. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this correspondence.

It has been 4 months since the first time I reached out to all of them and I haven't recieved a response besides a letter from XXXX and XXXX which seemed like a way to delay the process. I did again a response aknowleging the letter I recieved and wanted to proceed. I havent heard anything back from none of them. 
I have the proof from the postage of every letter ive sent. I've reached out to all of them 3 times in the last 4 months.
Product: Credit card

I received a targeted offer this past fall from American Express for the Delta Skymiles credit card. It specifically appeared with my name attached to it on the checkout page when I was purchasing a XXXX XXXX XXXX on the Delta website a few months ago. I trusted this deal to be truthful and accurate, and so I signed up for this card and hit the {$2000.00} required spending threshold, but noticed today that I had never received the welcome bonus offer that was promised. I reached out to AMEX through chat online, and they said it was not approved because at one point in the distant past I had this card before. That must've been YEARS ago, and even if I did, I still received the targeted offer that I was once again eligible for it again. 

The offer also stated that if I was approved for the AMEX card, I'd also get my first checked bag complimentary free ( which I did, no issues with that ), roadside assistance ( which appears to be as promised ), etc. I received this targeted offer due to my extensive business with Delta, I expect to receive it. It's a very unethical and misleading business practice to invite me to sign up for an offer and then never award the XXXX bonus miles for making $ XXXX in purchases in the first 3 months, yet afford me other perks of the card like roadside assistance and a free checked bag. Essentially, you're changing the terms of the card, for which I dutifully paid my {$99.00} annual fee, and then you bait-and-switched on me.

Please credit my Delta account, # XXXX with these XXXX miles as soon as possible as per the agreement. https : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the fair credit Reporting act. The last of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ... XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX XXXXXXXX XXXX XXXX XXXX 

Account name : XXXX Account number # XXXX Account name : XXXX XXXXXXXX Account number # XXXX Account name : XXXX XXXX  Account number # XXXX Account name : XXXX Account number # XXXX Account name : XXXX XXXX XXXX XXXX  Account number # XXXX Account name : XXXX XXXX XXXX XXXX Account number # 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 1681 ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse 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 reporting agency if the person knows or has a reasonable cause too believe that the information is inaccurate.
Product: Bank account or service

I opened a Citigold checking account on XXXX XXXX, XXXX. I signed up with a promotion that said that were I to meet a certain set of criteria, I would receive XXXX ThankYou Points as a bonus. 

I confirmed multiple times with Citibank representatives via online chat that the bonus was indeed applied to my account. I have documentation of one of these interactions, which happened in XXXX XXXX. A representative, XXXX, confirmed that I had the bonus applied to my account, that I had met all the necessary requirements to meet the bonus, and that I would receive the XXXX ThankYou Points by no later than XXXX XXXX, XXXX. 

After XXXX XXXX had passed, I once again contacted Citigold online and spoke with a rep, XXXX. He told me that the promotions team would instigate an investigation about th e points. 

I then received an email from XXXX XXXX, from Citi 's Client Research department, who told me that " Unfortunately, there was not ThankYou ( R ) Points promotion offered in conjunction with the opening of your account. '' However, multiple citi reps had confirmed to me prior to the XXXX letter that I did in fact have the bonus attached to my account and that I would receive the points at the end of XXXX. I know the bonus was attached to my account, since I would never have consented to open the account and pay the $ XXXX monthly fee otherwise. I hope Citibank follows through on its promises and sends me the promised XXXX ThankyYou Points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I originally started disputing what I found to be inaccurate information on my credit report with TransUnion on XX/XX/2020. On XX/XX/2020, I received a notice that stated the information was verified, but TransUnion failed to send me the documents used to verify it. They simply " updated '' the account. On XX/XX/2020, after reviewing my full credit report again, I send another letter to TransUnion with more requests for them to look into a number of accounts they were inaccurately reporting. They failed to respond within the 30-day window, so I sent yet another letter on XX/XX/2020. When they did respond on XXXX, they noted accounts were updated again but completely ignored my requests for documents to verify. 

I am tired of them using these stall tactics. It has been 6 months and they are still unwilling to properly respond to my requests.
Product: Debt collection

I am writing to dispute the following information in my file. I recently received a copy of my credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. -TD/bank USA /target {$310.00} XXXX had a credit card with target credit limit was {$250.00}. After i flied a complaint to CFPB The Bank called me and we fund a deal to pay off and remove this negative in my file. On XX/XX/2022 I payed {$200.00} to USA /TARGET TD BANK it seem they forgot to remove this enquiry. 
Please Remove this enquiry for me. 
XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

I sent a email to XXXX XXXX XXXX on XXXX XXXX disputing information in regard to an in accurate bankruptcy reporting in my public record information being reported to XXXX XXXX. The process for disputing is either via email or by mail. I emailed a request on XX/XX/XXXX to XXXX requesting the dispute they advised they needed additional information which I provided my address, ssn I never received a response. I sent a additional email on XX/XX/2020 with my information again and never have received a response. I am requesting for this inaccurate information be removed from my public record information and XXXX XXXX credit file immediately for this is violation of my FCRA rights I have disputed as inaccurate the reporting company is neglecting to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following alleged collection account, XXXX Funding, is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$600.00}. This account is reporting inaccurately. This is a violation of the FCRA and is in violation of the requisite XXXX Complaint reporting standards. I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand this derogatory item to be DELETED from my report immediately. 
15 U.S.C 1681 Section 602 ( a ) : States I have the right to privacy 15 U.S.C 1681b Section 604 ( a ) Section 2 : States a consumer reporting agency can not furnish an account without my written instructions and has used my credit report without permissible purpose.
Product: Mortgage

Bank of America notified me on XX/XX/XXXX of last year that they require I have valid FLOOD Insurance coverage for a detached garage on my property and permanent home residence. I produced the documentation proving the existence of flood insurance on my home, but the bank refuses to accept my current and valid flood insurance coverage provided through FEMA for the detached structure. This is a standard FEMA policy the bank should be familiar with. 

I and my insurance agency have both submitted proof of such coverage, but the bank has refused on 3 separate occasions and numerous phone calls to accept the documentation provided. Instead, they have bought flood insurance on my behalf at a higher price than I would obtain, and have charged my account with the cost of this duplicative insurance. Their policy has a premium of {$360.00} for {$18000.00} worth of coverage for the detached structure, already covered up to {$25000.00} under the insurance I purchased. 

The policy I purchased states on page 3 in the documentation ( which is standard FEMA SFIP Dwelling Form ) that attached structures are covered up to 10 % of the value of the main flood insurance coverage, this value being higher than the minimum demanded by the bank. Bank of America have refused to accept this documentation. 

The last effort involved my insurance agent calling the bank to assert the validity of the coverage in addition to sending them additional documentation, yet they just sent a new letter on XX/XX/XXXX,  again rejecting this coverage and refusing a refund. 

According to my agent, this is standard FEMA coverage policy the bank should already be familiar with, so I believe they are doing this in bad faith to squeeze more income from their customers. This has to stop. 

Bank of America 's initial notice was on XX/XX/XXXX, and we have been fighting this issue ever since to no avail. The last and most complete information about applicable coverage was sent to them around the XX/XX/XXXX from my agent 's office. I need your help desperately to fight this. The bank refuses to accept valid documents, so it seems I have no recourse but to seek help from your agency.
Product: Mortgage

I have just completed a refinance of my home through Bank of America. The process was initiated on XXXX XXXX and was finally completed on XXXX XXXX, 2015. I have the following issues ; XXXX. I was told that we would close on or about the end of XXXX. On approximately XXXX XXXX I contact BA and asked about my closing date. They had lost my paper work and forgot to call for an appraisal. I had lost XXXX days in the closing process which cost me money. XXXX. Afterwards, I was sent an email that my final signing of papers would be on Wed XXXX XXXX and they requested that I have a cashiers check for {$1600.00} made out to a certain title company. After signing the papers and giving the cashiers check to the signing agent, I received a random call. On Thursday afternoon I was called, by someone I did n't know that claimed they were from a title company I had never heard of, and told that the cashiers check was made out to the wrong company and that I need to wire money to them. I immediately thought this was a scam, so I called BA and they said they would look into it. About an XXXX later I received an email stating that BA had made the mistake and the cashiers check would be returned to me by the title company. I did a wire transfer to the new company, after the new title company sent me an email. At this time I noticed the the closing cost went up to XXXX, a {$70.00} increase. Reviewing my documents BA had given me the wrong closing costs in their email. The wire transfer cost me an additional {$25.00}. The cancelled cashiers check cost me {$3.00}. 
I have sent an email to BA asking for reimbursement for the wire transfer and cancelled cashiers check. But they will not respond. I am also questioning the fact that by them losing my paper work for approximately XXXX days, why would n't I be reimbursed for the difference in the interest rate and mortgage insurance for the XXXX days? I am estimating that is is almost {$500.00}. 
Again, Bank of America will not answer or return my calls. How do I settle this with them?
Product: Credit reporting or other personal consumer reports

I have fallen victim to identity theft, and my personal information has been used fraudulently, leading to items appearing on my credit report that I have no connection to. Following XXXX guidance, I filed an FTC Identity Theft Report and submitted it along with the necessary documentation. Despite these efforts, the fraudulent items continue to remain on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called on XX/XX/2019 at approximately XXXX to request the reason for not receiving my dispute results in a timely fashion. The representative verified the information was not sent out and my address was not updated from my disputed correspondence. I asked the representative if they could send out the updated results from the investigation from XX/XX/2019 and she would not resend documents without copies of my ID that they already have on file from previous paperwork.
Product: Debt collection

XXXX  XXXX of XXXX XXXX on XX/XX/XXXX. Paid all but one item in the amount of {$100.00} Requested proof, for almost 2 years, that a certain medication was used during XXXX. The day after XXXX I saw the XXXX for follow-up and he did not mention that this special medication was used during XXXX. 

I was contacted by phone several times in addtion to receiving statements from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. 

Each time I asked for proof or confirmation from the XXXX in writing that he applied the Medication, I never received any proof. 

Received a Collection Letter from Transworld Systems, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX and disputed the debt in writing on XX/XX/XXXX. 

Received another letter from XXXX on XX/XX/XXXX that was dated XXXX XXXX. 

No proof provided. 

At this point this is more than harrassment.
Product: Checking or savings account

I am being charge overdraft fee when my account is n't overdraft. On XX/XX/2017 I was charged 2 fee of XXXX dollars before I was charge those two fee I had XXXX since in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

his letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer. You are also violating my rights under 73 P.S. 201-1 et seq. ( XXXX  Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices. 

These items were not authorized by me and constitute a breach of my rights under both federal and state law. Furthermore, your responses to previous disputes have been inadequate and evasive, often suggesting that my communications originate from a credit repair organization, which is untrue. This practice is both misleading and unlawful. 

I am invoking the following legal protections to demand swift and transparent action : Kentucky Consumer Protection Act ( KRS 367.110 et seq. ) - Protects consumers from unfair, false, misleading, or deceptive acts or practices, including inaccurate credit reporting.

Kentucky Fair Credit Reporting Act ( KRS 367.363 et seq. ) - Requires credit reporting agencies to investigate disputes and remove or correct inaccurate information promptly.

Kentucky Civil Code 367.365 - Mandates credit reporting agencies to block fraudulent information upon receiving valid documentation of identity theft or dispute.

Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) - Requires credit reporting agencies to investigate disputes and correct or delete inaccurate or unverifiable information within 30 days.

Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) - Provides protections against unauthorized charges and requires creditors to respond promptly to billing disputes. 

XXXXXXXX XXXX XXXX XXXXXXXX  I will not tolerate any lame excuses like documents missing I am sending all my verification documents attach with letters from XXXX XXXX and XXXX AND ALSO THE FOLLOWING INQUIRIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. XXXX and Equifax must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX  XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These inaccurate accounts are reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX
Product: Debt collection

These people from "Portfolio Collections" call me multiple times a day and some late at night. One just called me at XXXX. I have repeatedly told them to stop contacting me because they not only will not say what the debt is for but they also will only keep asking for personal information. When I tell them to stop calling me they yell at me and get hostile. I have told them now twice if they call me again I am getting my attorney involved and they start yelling at me. They call at different numbers each time. I don't know what else to do. Please make these calls stop.