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

Citibank offered me XXXX XXXX XXXX bonus miles for opening a savings account. 
I followed all of the requirements exactly in regards to content and timing. 
Minimum of {$10000.00} new to Citibank money held on deposit for minimum of 60 days and that would qualify for XXXX bonus miles. 
We fully understood that the disclosure stated the bonus would be paid 90 days after the account was opened. Well, We have met all the exact requirements and Citibank still has not delivered on their promise for the payment of 20,000 XXXX XXXX bonus miles. The time frame has passed. I believe this to be a systemic UDAAP issue where Citibank deceptively tries to gather deposits with the " promise '' of paying bonus in cash or flying miles only to not deliver according to their disclosure. We looked at all the complaints on line and it is absolutely amazing the amount of people have the exact same scenario!!!! This seems to be a recurring practice by citi not just a one off and I would hope that you as regulators and more importantly protector of the consumer will step in and make them 1 ) give me what is owed and PROMISED to me in their disclosure and promo and also penalize them and make them pay for this horrible practice. I am one of thousands!!!! Please contact them to have them deposit the bonus miles to my frequent flier account. This may seem trivial to some but it is a clear fact that I would NOT have deposited money with this bank had I not been offered the bonus miles. Citibank benefitted by offering a lower interest rate in exchange for the promise of the bonus miles. so they profit and the consumer ( me ) has to literally fight to get what I was told by them in a disclosure. I contacted them several several times by chat and they kept telling me do not worry the miles will be paid by the 150th day well they were NOT. Then they actually gave me a hard time for asking about it and acted as if it was no big deal. They have all the info all the contact and verified that I met all the criteria and timing!!! Please step in! 
Thanks!!!
Product: Credit reporting or other personal consumer reports

The accounts below are reporting the incorrect opening date and reporting accounts that have been removed from other bureaus. I have asked the credit bureau to verify the account information they are reporting and match it up with the other bureaus but they all send back accounts verified with no change. Please see the proof and evidence these account are reporting different on XXXX, TransUnion, XXXX. 

XXXX XXXX balance is {$0.00} but still showing as a charge off. please change to paid in full never late XXXX XXXX XXXXXXXX incorrect opening dates and was removed from XXXX for XXXX reporting data XXXX XXXX XXXX  XXXX had been sold and paid off with {$0.00} balance but still showing as a charge off. please change to paid in full never late
Product: Debt collection

caine & wiener send me a letter about collection of XXXX was over paid to my company from XXXX XXXX XXXX i called the caine & and wiener and spoke the person XXXX  i asked her to how do i owe this company money and asked her statement. on XX/XX/2021 she send me statement i called her and asked her to show me over payment made to my company and explain to me, she unable to explain to me, she said call company directly, i told her ur collection agency u suppose to explain to me she was unable to explain to me and hangup the phone collection agency REF # IS XXXX
Product: Checking or savings account

I am a Citizen of XXXX XXXX XXXX XXXX frequently visiting the U.S. especially the XXXX area ( XXXX XXXX  XXXX-XXXX-XXXX ). When I was in the U.S. in XXXX XXXX I opened my Bank of America bank account and operated it for almost 1 year and six months from XXXX to XXXX. When Bank of America forced closed my bank account on XX/XX/XXXX due to inactivity reason. After happening this I contacted the bank several times and given multiple phone numbers while spoken to several Bank officials in the U.S. from XXXX. I am now in XXXX and I have an urgent need to re-open my bank account and expect a wire transfer for XXXX XXXX XXXX of my proposed U.S. Start-up venture. 

I am asking for the Bank to EMERGENCY RE-ACTIVATION MY FORCED CLOSED BANK ACCOUNT to make this thing done. Among the phone numbers that I was given to contact the bank are these below : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX and last [ ( XXXX ) XXXX XXXX XXXX, Bank Lawyer for Customers ] all these numbers I made calls didn't make positive outcome. 

Kindly please let me know the charges and what are requirements of information needed for this matter to resolve it.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Jefferson Capital Systems LLC XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Dear Jefferson Capital Systems LLC 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.
Product: Credit reporting or other personal consumer reports

These inquiries were unauthorized and I am a victim of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

There is a XXXX debt that wasnt mine on my credit report so I called XXXX and they said the account has been closed so they told me to call the debt XXXX and the debt XXXX told me to file a police report for identity theft
Product: Credit reporting or other personal consumer reports

I havent gave XXXX, Equifax or XXXX the consent to obtain or furnish my information so under 15 U.S. Code 1681 B : Obligations with respect to disclosures of personal information. Now under 18 U.S Code 1028 A : Aggravated identity theft. This mean XXXX Equifax and XXXX are all in violation. Under 15 U.S. Code 6802 : Obligations with respect to disclosures of personal information.
Product: Credit card

Macy reports false data to my credit report on XXXX and it is reported twice as a duplicate.. below is the history of the report, my Macys account was included in bankruptcy and should not have been reported, also date of 1st reported late payments keeps changing to favor the grantor. 

this report should be deleted in accordance with FTC rules for fair credit reporting same account being reported twice is Confirmation # Status Dispute Date Completion Date Results XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Mailed XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Mailed XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Mailed XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 N/A XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Mailed XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Viewed XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired
Product: Credit reporting, credit repair services, or other personal consumer reports

On different occasions i called Experian, because there is always something random appearing on my credit report, that i did not authorize and when i try to resolve the issue i get transferred from call to call spending hours on the phone without anything being resolved. 

i had a hard inquiry i did not make which appeared as XXXX on XX/XX/2018, once i was aware of that hard inquiry i immediately notified experian to let them know i did not make such inquiry, i talked to different people even a supervisor and was told Experian does not dispute and remove unauthorized hard Inquiries because it factual information. this called took place back in XX/XX/2018 and still nothing has been removed. i talk to XXXX  back in XX/XX/2018 and they said they will contact Experian and nothing has been removed yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX account shows on XXXX  90 % utilization. XXXX  XXXX account paid down to 10 % utilization on XX/XX/2020, and the billing cycle closed on the XXXX.
Product: Checking or savings account

Dear [ BOA representative ], I hope this message finds you well. I would like to address a matter of concern regarding the monthly fees I have been charged by BOA for several years now. As a valued customer who has been with your institution for over a decade, I feel it is important to bring this issue to your attention. 

In reviewing my account statements, I have noticed consistent monthly charges of {$12.00} listed as a " Maintenance fee. '' When inquiring about the purpose of this fee, I was informed that in order to avoid it, a minimum daily balance of {$1500.00} is required. While I understand the need for banks to manage their operations effectively, I find it unreasonable to be penalized for not keeping a certain amount in my account, especially considering I have never had a returned or bounced check. 

As a responsible customer, I believe it is my right to manage my finances as I see fit, without undue restrictions or fees imposed by the bank. I place great importance on my hard-earned money and find it unjust to have to pay fees to access more of it or to be dictated on how much money I should maintain in my own account. This level of control seems excessive and lacks the necessary transparency and oversight that customers like myself expect. 

In light of these concerns, I kindly request a thorough review of the fees I have been charged over the years. Furthermore, I request a refund of the accumulated fees, as I believe it is only fair to reimburse me for the funds that have been unnecessarily withdrawn from my account. 

I look forward to your prompt attention to this matter and appreciate your understanding of my perspective as a loyal customer. Should you require any additional information or documentation, please do not hesitate to contact me at your earliest convenience. Thank you for your time and consideration. 

Yours sincerely, THANK YOU
Product: Student loan

I was told that it would be beneficial to consolidate my student loans since I was applying for the   XXXX    Loan Forgiveness. I called to verify that my consolidation would not affect by Bankruptcy Forbearance and was told it would not. Now, I am receiving a bill for {$1500.00} and was told that the loan was disbursed after my bankruptcy filing and was not included in the bankruptcy. I am currently in the middle of my Chapter   XXXX  repayment and my bankruptcy will not be  discharged  until  2019 . The provider acknowledged that I was provided incorrect information but told me there was nothing they could do. My only recourse was to contact my attorney. I am in the process of working with my attorney but this needs to be resolved. I was given incorrect information with a significant financial impact. FedLoan.org needs to be sanctioned and ordered to reinstate my bankruptcy forbearance. This predatory behavior is despicable and must be terminated immediately.
Product: Credit reporting or other personal consumer reports

These accounts are not mine, they have incorrect information and greatly affect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

LVNV Funding LLC and C/O Resurgent Capital Services XXXX XXXX XXXX XXXX, SC XXXX Re : Request for Debt Validation XXXX Dear Sir/Madam, I am writing to request validation of the debt that you are attempting to collect from me. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you provide me with verification of the debt and evidence that you have the legal right to collect on it. 
Please provide me with the following information : 1. The full name and address of the original creditor associated with the debt.

2. The amount of the debt, including a breakdown of any interest, fees, or other charges.

3. Documentation or a copy of the original signed agreement or contract that created this debt, including any amendments or updates.

4. Proof of your authorization to collect this debt, including any assignment or transfer of the debt to your company.

5. A detailed payment history, showing any payments or adjustments made to the debt. 
Please consider this letter as a formal request to validate the debt. As required by law, until you provide the requested validation, you must cease all collection efforts on this account, including reporting to credit bureaus. 
I would appreciate a prompt response to this request. If you fail to provide the required documentation, I will consider the debt in dispute, and I expect all collection activities to cease. 
Thank you for your cooperation.
Product: Credit reporting

I disputed reported late payments from child support office to Transunion. The late payments were taken off my credit report by Transunion on XXXX XXXX, 2016 and told me their investigation was complete and items were removed from credit report. However, on XXXX XXXX, 2016 they added these late payments back to my credit report and are telling me these late payments are reporting correctly. I have called the Office of the attorney General and they told me that they have not reported anything to Transunion after the resolution date of XXXX XXXX 2016 removing late payments from credit. 
If The OAG did n't report anything after XXXX XXXX, 2016 how is Transunion saying this is reporting correctly and add it back to my credit.
Product: Money transfer, virtual currency, or money service

am fling 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 procer 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 XXXX financial loss, and I seek appropriate redress
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of the data breach at Equifax, and after confirming on their website that both my credit information, as well as my wife 's, may have been compromised, I submitted a 90 day fraud alert and then attempted to obtain my free credit report based upon my fraud report submission. The Equifax web site will not allow me or my wife to obtain our free credit reports without our accepting binding legal arbitration for any and all complaints against Equifax. When we decline to accept their online terms, we are prevented from submitting our requests for our free credit reports. We believe that this is a violation of federal credit laws, since it was the breach of their computers that jeopardized our credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not XXXX XXXX XXXX I am not affiliated with XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to place a freeze on Clarity Services Inc. a part of Experian.
Product: Payday loan, title loan, or personal loan

I applied for this installment loan on XX/XX/2019 for the amount of {$1200.00}. This amount was deposited on that date. If not paid in full at any given time the APR is 673.84 %!! 
I was not able to pay in full. The following payments have been taken out of the XXXX checking account I had at the time. {$320.00} on XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, & XX/XX/19. A total of {$1600.00}. I closed this checking account because I had taken out several of these in the middle of a XXXX  spree. I had no money left and no way to continue to pay these outrageous fees!! 
I have since acknowledged that I have a XXXX  problem and am in counseling and XXXX XXXX. I am getting help for this problem. 
I have contacted Amplify Funding and asked for a settlement. They will not accept less than {$1200.00}. Making me pay a total of {$2800.00} for a {$1200.00} loan! I was told that I could pay {$50.00} biweekly but another {$1200.00} is outrageous and unreasonable!! Not to mention would take two years to pay off. 
I am asking that this debt be considered paid in full or a more reasonable settlement. 
These companies prey on people like me who look to this as a solution in complete insanity and desperation! These companies should not be able to get away with these outrageous fees!!
Product: Debt collection

I spoke with the collection agency multiple times. I sent In police report and they still saying I have to pay the debt that is not mine.
Product: Mortgage

XX/XX/XXXX I contacted BB & T for a home loan. I was emailed a user name to start the application process. 

XX/XX/XXXX I received an email which stated I had pre-qualified for a home loan. 

XX/XX/XXXX I emailed a copy of my completed XXXX XXXX XXXX XXXX  Income Verification Worksheet & other documents to XXXX XXXX XX/XX/XXXX I emailed XXXX XXXX my complete application for down payment assistance for first time home buyer, the Homeowner Assistant Program Intake Certificate. 

XX/XX/XXXX I requested the information for the Home ownership Counseling so I could receive the grant for first-time home buyers but was informed I needed to wait before taking the class. 

XX/XX/XXXX I was reissued an updated pre-qualified letter for {$130000.00} because it expired XX/XX/XXXX I resent a copy of my drivers licenses ( front & back copy ), XXXX income taxes, copies of bank statements ( XXXX, XXXX , & XXXX  XXXX XXXX XXXX ) and XXXX W2. 

XX/XX/XXXX paid {$470.00} for the appraisal in order to close on XX/XX/XXXX ( check cleared XX/XX/XXXX ). 

XX/XX/XXXX paid {$220.00} for Inspection XX/XX/XXXX paid {$28.00} for credit report but was denied a copy because it is against BB & T policies. 

XX/XX/XXXX - Earnest money payment of {$750.00} XX/XX/XXXX I received a Notice of Incomplete Application via email from XXXX XXXX . There were nine items that needed to be completed prior to XX/XX/XXXX. I informed XXXX XXXX the 401 ( K ) payment was scheduled to arrive by XX/XX/XXXX no later than XX/XX/XXXX. 

XX/XX/XXXX emailed XXXX XXXX 8 of the 9 items for the Notice of Incomplete Application XX/XX/XXXX I had to liquidated my 401 ( K ) because there was no more grant money. The amount I could get was {$850.00} ; on XX/XX/XXXX I received disbursement of {$740.00}. 

XX/XX/XXXX, my realtor reached out to both XXXX XXXX and XXXX XXXX to learn if a conditional approval had been granted but never received a binary response. 

XX/XX/XXXX, I spoke to XXXX XXXX three times. Our last conversation, I stated I did not want to forfeit the earnest money because they did not provide the commitment letter. XXXX assured me the letter would be sent to my realtor. I was led to believe the letter was sent. Unfortunately, my realtor did not receive the commitment letter. 

XX/XX/XXXX at XXXX XXXX, Ms. XXXX sent a text message stating she did not have the ability to release the commitment letter - only the processor can do this. 

XX/XX/XXXX, I contacted BB & T bank to file a complaint against XXXX XXXX & XXXX XXXX XX/XX/XXXX I received an email ( XXXX XXXX  ) stating the annual taxes came to $ XXXXyear which was significantly higher than what they predicted which increased my debt-to-income ratio. I was informed I needed to bring additional assets for {$19000.00} ; or pay off the {$13000.00} car note
Product: Debt collection

Commenity Capitol Bank has called my cell phone number 5-7+ times A DAY every single day between XX/XX/XXXX and XXXX XXXXXXXX XXXX  month, I sent a debt verification letter on XX/XX/XXXX that was downloaded from the FTC website requesting that they VERIFY : Why you think I owe the debt and to whom I owe it, The amount and age of the debt, Details about your authority to collect this debt and I very specifically stated in the letter that the only acceptable way to communicate with me about the matter was in writing NOT by phone. A representative for their company signed for the letter on XX/XX/XXXX ( letter was mailed with return receipt ). 

As of XX/XX/XXXX the company has CONTINUED to contact me by phone and the only information that they provided via mail was a two line response letter stating that " I '' had opened the credit card in XX/XX/XXXX with no further information provided. 

Per my understanding the company is allowed to contact me a maximum of 7 times in 7 days about this matter- NOT 7+ times EVERY single day for weeks about the mater and once they have received ( again letter was sent via return receipt ) notice that they may only contact me through the mail they are prohibited from continuing to harass me by phone.