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

In the beginning of XXXX my wife and I opened a Citi checking account. According to Citi they decided to close our account a few days later. Since I had no knowledge that our account is closing my direct deposit from my job got deposited in on XX/XX/XXXX. It is now XX/XX/XXXX and we do not have access to our money. The same day ( XX/XX/XXXX ) I received a letter from Citi saying that they will be closing our account due to a report from check systems which is not true. 

Either way if Citi knew the were going to close my account before my pay check hit they should have rejected the direct deposit. Now I have no access to this money that is MINE. I  have called Citi multiple times asking my direct deposit to be sent out. Citi is refusing to send me my money in a national pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$350.00} XXXX XXXX XXXXXXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$18000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5800.00} XXXX XXXX XXXXXXXX XXXX Balance : {$9300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$350.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$18000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXXXXXX XXXX XXXX Balance XXXX {$1900.00} XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Debt collection

After three attempts to provide me with a bed mattress that worked for me, XXXX XXXX agreed to issue a full refund for the purchases to the lending agency they offered to me. 

I have been going around for several months between XXXXXXXX XXXX anXXXX XXXX  XXXX about an unresolved credit refund issue. 

XXXX XXXX says they issued it, XXXX XXXX says they never received it. 

I get nowhere with either company and can not find anyone who can help me get the two communicating to resolve the issue. 

I am receiving threatening letters from XXXX XXXX now about being turned over to a debt collection agency for a balance that XXXX XXXX says I do not owe. 

I have never had even a blemish on my credit history before dealing with these two companies and I want some resolution.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Mortgage

Bank of America improperly calculated my income and expenses. Bank of America is making it nearly impossible to be available. Many calls end up in the wrong departments. Bank of America based a modification disqualification on to much income to debt, however did not take into consideration the the new payment. Bank of America stated I did not qualify for a regular refinance because I did not make enough income. Bank of America will not asssign someone specific to handle my situation. Bank of America took over one year to make a decision on a loan modification.
Product: Mortgage

I have paid PMI for 4 years 11 months and would like to have the PMI removed once the 5yr requirement is up. Our closing date was XX/XX/XXXX. Since XX/XX/XXXX our builder XXXX XXXX  has raised the base price of our model. The new base price would put us at the required 78 LTV ratio for PMI removal. XXXX XXXX preferred lender Stearns Lending says that to remove PMI the LTV is based on the original XX/XX/XXXX appraisal. Is this true and final?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report fraudulently opened accounts on my consumer credit report. In addition Equifax has a fraudulent Date of Birth which was confirmed by their rep on the phone on my credit file. Equifax advised me they do not have to block this information as this time because they stated they don't have to. Which the law states If I provide proof I am a victim of Identity theft, and clearly advise of the crime I can request as a legal right to have the fraudulent accounts blocked in which Equifax refuses to do so. These accounts include XXXX XXXX XXXX XXXX XXXX for {$1800.00}, a XXXX XXXX XXXX XXXX loan for {$15000.00} Which again you need millitary membership for and I have never been affiliated with the military clearly not my account. This was opened with my stolen identity. There is a XXXX XXXX XXXX XXXX account that is fraudulent with a {$650.00} Balance. There are two XXXX XXXX XXXX cards which show a limit of {$25000.00} each again fraudulent, not only that XXXX XXXX told me that is not the limit on those fraudulent cards so not only is equifax reporting the information fraudulent they have inaccurate fraudulent information at that. So these accounts are opened with my stolen identity. Additionally, there is a XXXX Card which states closed by credit grantor with a limit of {$1100.00} which is not my card and was not authorized to be opened in my name. There is a account with XXXX XXXX XXXX XXXX which is fraudulent and was not authorized to be opened in my name again with my stolen Identity. Equifax refuses to block these fraudulent accounts and refuses to follow FCRA law 603 ( b ) they do not provide reasons for refusing to block these accounts besides advising me they can.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Has marked my last XXXX disputes as Duplicates. Why? Each dispute has different information that shows proof of reporting incorrect information on my credit report. XXXX XXXX XXXX will not allow me to have an accurate credit report. Also will change your repots to make it look like you have made a payment recently to restart time frame to not fall off credit. The employees like to play games and lie on their response with the reasons that has nothing to do with your dispute.
Product: Credit card

Dear CFPB Official : I am writing to ask for your help concerning a promotional offer from Chase on united.com that appears to be a bait-and-switch. I saw the offer in my united.com account that I was pre-approved to apply for the XXXX XXXX XXXX XXXX, which would allow me to earn XXXX Premier Qualifying Points ( PQPs ) and XXXX miles after meeting the requirement to spend {$5000.00} in the first 3 months and make a qualifying travel purchase. I signed up for the card and met the spending requirements on XX/XX/year>2024. However, the XXXX PQPsthe sole reason I signed up for the card and made the requisite purchaseshave not been credited to my account. 

For your review, I have attached my communications with the United Airlines and Chase customer service. As you will see, prior to my application, I reached out to make sure I understood the offer, and XXXX confirmed that after I met the spending requirements, I would receive the bonus XXXX PQPs in 2024. Now, XXXX and Chase refuse to uphold its offer because they claim that I was not targeted for the offer even though it was listed on my personal XXXX account on united.com. Chase and XXXX said it was meant for another member who shared the same email address with me. That member happens to be my XXXX mother. While we share an email address so that I can assist her with travel, we have separate accounts on united.com, and as the attached documentation shows, the offer was indisputably posted to my personal account. 

In summary : ( 1 ) The bonus offer appeared on my personal XXXX account. 
( 2 ) XXXX confirmed that I would receive the PQPs upon making the required booking. 
( 3 ) I wouldn't have applied, made {$5000.00} in purchases, or booked a trip with the card had I known I wouldn't receive the PQPs. 

I would be grateful if you can investigate this incident. I would like to ask Chase and XXXX to credit the XX/XX/XXXXPQPs to my account in 2024. Please contact me for further references. 

Regards, XXXX XXXX Chase XXXX Customer Service XXXX XXXX XXXX XXXX, XXXX, DE XXXX, Telephone : XXXX
Product: Credit reporting or other personal consumer reports

My first request was simple. And you failed. Miserably. I still don't recognize these inquiries they forgot to delete and they provided absolutely no documentation or proof that the inquiries in question were obtained according to the Fair Credit Reporting Act. 

Once again, you gave entirely no proof and forgot to delete these listed below. 

XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have contacted XXXX anXXXX XXXX XXXX  numerous times between XXXX and today, XX/XX/2024. I spoke to a representative named XXXX between XXXXXXXX XXXX and XXXX XXXX. She informed me that she could not allow me to speak to the fraud team, and this did not resolve my issue with XXXXXXXX XXXX reporting an account negatively due to identity theft. 

It appears that XXXX XXXX and XXXX Credit Bureau are refusing to honor government regulations, as XXXX is in possession of my FTC.gov identity theft report and other documentation. Initially, on XX/XX/2024, XXXX removed the XXXX XXXX account by blocking my credit file, but XXXX Bank instructed them to reinstate it. This has resulted in the loss of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and future potential earnings.

I request that this account be removed immediately under FCRA regulations.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

On XX/XX/2019, I applied for a SunTrust Travel Rewards credit card. I first called SunTrust to ask about credit card options and they described different cards, including the Cash Rewards and Travel Rewards card. I made clear I wished to open the Travel Rewards  credit card and asked for instructions to the right link on the website to open that card. The customer service person provided those instructions and I followed that link. I was able to download terms and conditions for the Travel Rewards Credit Card. After completing the application process, I received a card in the mail, activated it, and used it for 3-4 purchases, then realized it was labeled Cash Rewards instead of Travel Rewards. I called SunTrust and they said that what I had applied for was a Cash Rewards credit card. As mentioned, I was careful about which card I had applied for and did not wish to open a Cash Rewards credit card and had in fact downloaded the Travel Rewards card terms and conditions earlier in the process. But it looks like partway through that application process, SunTrust switched which card I was applying for to the Cash Rewards credit card. When I called, twice, and spoke to supervisors, they said there was nothing  they could do, that my credit reports had already been pulled, and to get the correct card, I would need to submit a new application. I instead paid off the few purchases on the wrong card and canceled the card on XX/XX/2019.
Product: Credit card or prepaid card

XXXX XXXX card, issued 5th 3rd bank N.A., as an XXXX payroll card for XXXX XXXX XXXXXXXX XXXX, and various other dba 's. XXXX, my XXXX, is associated with XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. The previous XXXX payroll card, for XXXXXXXX XXXX XXXX- was the XXXX XXXX XXXX, the XXXX card issued by XXXX XXXX XXXX XXXX Both are the payroll card for XXXX XXXX XXXX. On XXXX, a merchant placed a a hold on my account for $ XXXX I called the card service number when I saw the email come in- they cancelled the XXXX XXXX and mailed me the XXXX XXXX - they have continued to hold my funds, from a transaction, with there so called merchant - whom I had XXXX XXXX way call XXXX XXXX card services today. I have tracking and claim info- I do not have a XXXX account, in addition they would not hold funds longer then 30 days - this has been over 90 days. XXXX " wants to hold my funds and conduct an investigation '' I have heard the most out landish things when I call XXXX- in addition, the one thing that is predictable they / XXXX- is always changing there story. They are also bully like. In addition they are also related to global cash whatever that is- so XXXX XXXX XXXX XXXX XXXX XXXX, fifth third bank NA-? Today XXXX and I were told- that, they would mail me a letter, aftter XXXX XXXX the email alert for a transaction that a merchant was able to place holds on my funds - was on XX/XX/XXXX XXXX I called shortly after the email ; came in. This XXXX XXXX XXXX seems to be like a platform/ stack, for banking and card services - I offered in past to call merchant with XXXX, this has been on going since XXXX- they have refused. So I called XXXX and we 3 way called them - XXXX refuses to acknowledge - that I have been told, several different things, dates my funds would be replaced, and were not, even rather threatening saying they would hold my funds for the longest amount of time, 90 days, now 90 days - they want to blame the so called merchant, and, my funds have not been returned. I was also told on XX/XX/XXXX, they would block the merchant and hence the new card and account. Yet the famous dispute dept. - and you never know if its XXXXXXXX or XXXX who is gon na answer the call - now they are blaming the so called merchant- and will send me a letter? I want my funds - I am also going through the card statements - and the description of the merchants they have altered - in addition had the nerve to bill me for a subscription service that bills to a different card - obviously XXXX XXXX has a counterpart and someone is able to get access to a different account I have - from the treasury-
Product: Checking or savings account

On or about XXXX of XXXX, ONLINE, I opened a Merrill Lynch checking and brokerage account.

I made a few deposits into the account. I received an ATM card and rarely used it. I little over XXXX in what Merrill calls a CMA account. 

I recently moved from XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX to XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, Ar XXXX. 

I called Merrill and updated my new address, verified my full name ( XXXX XXXX XXXX ), my social ( XXXX ) my date of birth ( XXXX ) and phone number ( XXXX ) XXXX. I was then told I needed to visit a branch to put some documents on file. 

I did not have to visit a branch to open an account or have money deposited into the account. 

While an office is about XXXX miles from me, I work in the opposite direction and my work location is about XXXX minutes one way. 

I offered to send whatever they needed via email, text, or secure message and the representative simply stated I had to come to a branch. 

I was told several lies on the call, which I recorded ( Arkansas is a one-party state ), and will be filing consumer arbitration, however, I want this complaint on the record also. 

Merrill is refusing to release my money that was lawfully placed with them. They did not put any restrictions when I opened the account only when I want to take money out.

I even tried to close the account and was told I could not ( again on a recorded line ). Obviously, this is not correct.

I told them to send the money to the address on file and was met with " no '' I would have never opened the account if I would have been told to withdraw money I needed to visit a branch.

I am enclosing my XXXX tax return which shows my social security number. It does have my old address, but I am submitting my paid-in-full renters ' policy that shows my current address, along with my latest pay stub. 

I simply want the money that is in my account and not the run-around. I will handle the " run around '' via consumer arbitration which I am intimately familiar as the documentation shows. 

I do have a copy of my social. It's with some older ID but it is a copy of my social security card. Odd how they now want a copy but not when I wanted to deposit. A great question for the arbitrator. A complaint is also being made to the Arkansas Attorney General. 

Thank You! 

On a side note, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, so using XXXX or XXXX XXXX XXXX as the city will get any correspondence to me.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit card

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ] Account Number : ( XXXX ) [ XX/XX/2024 ] To Whom It May Concern : Experian Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains payments ] reported on [ date/dates ] for my ( XXXX ) account. 

I want you to know that I understand my financial obligations, and if it werent for I had a XXXX XXXX and I has to stop working temporarily, Id have an excellent repayment record. I made a mistake in falling behind, but since then, [ description of how your circumstances have changed or how youve improved your money management ]. Since then, Ive had a spotless record of on-time payments. 

Im planning to apply for a mortgage and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late [ payment/payments ] on [ XXXX ]. 

Thank you for your consideration, and I hope youll approve my request. 

Best, [ XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have applied for a saving account with Citibank to get XXXX $ bonus. I added XXXX $ once approved. And they told you had to add the fund within a month after applying but it wasnt even approved.
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 debt bondage, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you 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 XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX bal. {$1200.00}, XXXX XXXX bal. {$370.00}, XXXXpt of EdXXXX bal XXXX {$0.00}, XXXX XXXX XXXX bal. {$1200.00}, XXXX XXXX XXXX XXXX XXXX. {$270.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

For over 4 years, This Major Credit Bureau has refused to delete all the unsubstantiated details within my credit file for which there is no contract at all. I've disputed with them multiple times and I've expressed to them my concerns regarding all of the information within their data breaches that have caused this. They choose to do nothing about issues. They would much rather deny my complaints consistently than to comply with Federal Law.

The Law States that per The Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2020, section 401 explains details regarding any adverse credit details contained within my personal file are to be REMOVED. I'd appreciate if this Major Credit Bureau can finally obey the law.

I'll obtain a copy of this complaint to collect with other data to forward to my attorney regarding their persistent defiance with the law. I have collected several pieces of evidence ( s ) for which will help us to win a favorable ruling in court. This is my final communication that my attorney asked me to submit and task to execute.