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

I have a credit card and a savings account with CITI bank, they sent me a promo through their app saying that if I open a new checking account I would get a {$300.00} bonus if I do direct deposit totaling {$1500.00} within the first 90 days of account opening which I did and met all the requirements. The 90 days have passed and I never received the bonus, I then reached to them and I was told they had no such promotion going on. I did some research online just to find out that they did the same thing to other customers.
Product: Credit card

date XX/XX/year> amount of XXXX for XXXX XXXX i reserved a ticket through XXXX XXXX upon my arrival to the airport i was informed that XXXX XXXX cancelled my ticket without my permission and told me to call my credit card to dispute the charges i call my credit card and dispute and they favor the merchant despite me providing information that show XXXX XXXX cancelled my flight so i shouldnt be charged XXXX XXXX the one cancelled my flight not me i request a full refund from my credit card its disappointment when my credit card after dispute favor the merchant dispute me provide evidence that XXXX XXXX is the one cancelled my flight not me i want a full refund
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a certified letter requesting documentation proof of my wet signature and or any information proving that this account belongs to me and if it did belong to me my that information is correct which they failed to fulfill my request instead they reported on my credit report XX/XX/XXXX invalid information without any notification to me after my request, I am requesting for this documentation to be removed on all platforms considering this being a violation according to 15 U.S.C SECTION 1692 G. And with XXXX XXXX, they fail to give me a 30 day notice saying that I owe them anything with a chance of disputing when I called. They didnt remove it off a transient, but failed to remove it off of XXXX and XXXX. I am requesting for this information to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern : I have spent the year trying to fix the inaccurate, incomplete, and unverifiable errors within my account from XXXX. I have called them and told them personal to fix the issue but has not. I have recently send them mails asking to fix the issue. Still no change. The credit bureaus must obey many laws, including the fair credit reporting act ( FCRA ). And according to the FCRA, an item on your report MUST be removed if it is any of the following : I am writing this so XXXX, Equifax, XXXX  can update/correct my personal information on file with their company. 

Please updated my address to : XXXX XXXX XXXX XXXX XXXX, NJ XXXX Please updated my name to : XXXX XXXX My only social security number is : XXXX My only and corrects date of birth is : XX/XX/XXXX My only employer is : XXXX  XXXX  I do not wish to have any  telephone number on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA since they are inaccurate. 

Due to this issue of inaccurate information within my account from XXXX  : It has damaged my personal credit score. Accumulated hard inquiries due to inaccurate account info from XXXX. Has provided the wrong name to banks, companies, lenders, when applying for credit.This issue has wasted so much of my time and has effect my business to move forward. Lost time is never found. 

Also while checking my most recent report, i noticed credit inquires that i did not authorized, made by the following companies ; and they were also provided inaccurate, incomplete, and unverifiable information from XXXX when checking my credit.

Company and Inquiry date 1.XXXX/XXXX  & XX/XX/XXXX.

2.XXXX/XXXX  & XX/XX/XXXX 3.XXXX XXXX XXXX & XX/XX/XXXX 4.XXXX XXXX & XX/XX/XXXX 5.XXXX XXXX & XX/XX/XXXX 6.XXXX XXXX & XX/XX/XXXX 7.XXXX  & XX/XX/XXXX I did not authorized anyone employed by the these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 161b and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authoring an inquiry. In the absence of any such documentation bearing my signature, i formally request that these fraudulent inquires be immediately deleted from the credit file that you maintain under my social security number. 

My contact information is as follows : XXXX XXXX email : XXXX Address : XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Credit card or prepaid card

Filed unemployment on XXXX was approved for the filing couple days later. Never received a card from the approval. Started calling on XX/XX/XXXX with no answers. Finally got in touch with someone on XX/XX/XXXX where I was told my card should have been there the XXXX and to wait the weekend because the mail might be backed up ... never received the card. Have tried calling at all times of the day since XX/XX/XXXX and still no answer or way to get into contact with someone. Call the card company and tell me to enter a card number that I dont have.. after 3 attempts it will just hang up on you..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud alert on my credit report with Experian, XXXX, XXXX the reporting agency suppose to contact me before credit is extended in my name however Im a victim of identity thief and as I was checking my credit report I notice a lot of inquiries that was on all 3 credit agencies without my authorization I feel as if those inquiries should be remove it was done without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX contacted TransUnion on XX/XX/2021, I spoke to multiple employees as well as supervisors, regarding the fraudulent, inaccurate reporting on my credit report. Transunion knowingly and willingly broke the law regarding the written consent that I did not authorize. Nor did I give TransUnion the authority to furnish ANYTHING on my credit report, it is a direct violation of 15USC 1682 ( b ).

Pursuant to 15 U.S. Code 1681 ( n ) Transunion willfully failed to comply with the requirements imposed within the chapter and is civically liable for knowing noncompliance.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can & # XXXX ; t be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Debt collection

My account was with XXXX. I was paying a small portion during the Pandemic for Covid in 2020. I had an agreement with XXXX  to start paying more after the Quarantine. I was not working at the time. Next thing I knew I'm getting a bill from some law firm for over XXXX XXXX. I d

on't know who these people are so I'm not paying. Then I learned that XXXX bought XXXX. 
So here I am not wondering about my agreement with XXXX. I can not contact XXXX cause they don't exist any longer. Called XXXX and they have no idea who I am or what I'm talking about. 
I am not paying any money to anyone. This company that is on my XXXX credit report, I have no idea who they are and why they have a debt on my report. 
I need to have this removed from my report. This company is not registered in NJ. I do not owe them any money.
Product: Checking or savings account

On XX/XX/XXXX I received a wire from a business transaction in the amount of {$25000.00}. Navy federal placed the wire on hold and requested I verify my personal information. After all information was successfully verified Navy federal stated that a check had been mailed out. After months and months of calling and being told ( on various recorded lines ) that my check was mailed ; finally I talk with a representative that stated the check had never been mailed and that I would have to hire a lawyer to get my money back. On XXXX XXXX a demand letter was sent to Navy federal requesting the immediate return of all funds. Navy federal then agreed to return the funds on XX/XX/XXXX. As of today the bank has not released my money and refuses to now answer any emails or calls from my lawyer. Navy federal Credit union is now unlawful holding my money and refusing to return it. This has caused great financial and XXXX damage to my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the equifax and yahoo data breach. State issued ID have been compromised and my social security has been compromised. 
I have filed a report with the FTC in regards to this negative misleading fraudulent information that needs to be removed immediately off my credit report. 
I am not responsible for any charges made to this account. 
I would like to request copies of any documentation, such as application and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employer : XXXX XXXX XXXX Date Updated : XX/XX/2019
Product: Credit reporting

First of all, the furnisher of information, the original creditor is held to the XX/XX/XXXX Credit Card Act on XXXX acct XXXX, which was finally implemented in full force and effect XX/XX/XXXX.Also the credit reporting agency AND the furnisher is held to the FCRA. 
This acct. has been verified many times with inaccurate and incomplete information by Transunion.1 ) the balance owed and charge-off amount are fraudulent.The last use of the card was for XXXX XXXX XXXX in XXXX XXXX.They were instructed not to go over the limit and were given a XXXX credit card to handle any rental extensions which did occur. 
Unbeknownst to meI was not '' opted- in '' and XXXX should not have approved the over- the- limit charge asked for by the vendor and not by me.When I returned the car to the XXXX rep. I was told " my boss made me do it '' ... .. SO I AM NOT RESPONSIBLE, I WAS DEFRAUDED BY BOTH THE VENDOR AND XXXX ... ... ..THE CREDIT REPORT DOES NOT CONTAIN A DOFD OF XX/XX/XXXX AS REQUIRED BY FCRA THE PAYMENT TABLE IS ERRONEOUS,30 DAYS LATE ON XX/XX/XXXX,60 ON XX/XX/XXXX 90 0N XX/XX/XXXX,120 ON XX/XX/XXXX AND SO ON.THE LAST PYMT MADE ( THE MINIMUM ) IN THE AMT OF XXXX DOLLARS ON XXXX/XXXX/XXXX IS MISSING.THE FEES, PENALTY FEES, LATE FEES, OVER-THE-LIMIT FEES ARE GROSSLY LEGALLY EXCESSIVE ACCORDING TO THE XX/XX/XXXX CREDIT CARD ACT AND THE RESULT OF FRAUD. I WAS NOTABLY MUCH UNDER THE XXXX DOLLAR LIMIT WHEN I HANDED MY CARD TO XXXX AND THEN WAS FRAUDULENTLY OPTED IN BY XXXX AND VENDOR AND, WITH ME NOT PRESENT, AND AGAINST MY INSTRUCTIONS, CHARGED BY THE VENDOR XXXX. I PLAN TO CONTACT THE AG OF MY STATE AND THE XXXX AFTER THIS COMPLAINT CONCLUDES.I AM DAMAGED AND RETAIN MY RIGHTS TO LITIGATE AS LONG AS THIS CARD REPORTS.
Product: Mortgage

I tried to pay my mortgage payment for XXXX, and what is past due and could not get through, the a couple weeks later i recieve a bill from another mortgage company, stating my mortgage has been increased by {$300.00} and that i was close to foreclosure. This is the first time i heard from thee people. I tried to call my mortgage company today and this is the first time i heard that my mortgage had been transfered
Product: Credit reporting or other personal consumer reports

I am writing to report a significant issue concerning a recent data breach that has affected my personal information. My details were compromised, and I have discovered that my data has been used without my consent, potentially in violation of 15 U.S.C. 1681b.

On XX/XX/XXXX I was informed that my personal information, including [ specific details like Social Security number, account number, etc. ], was exposed due to a data breach at XXXX and XXXX XXXX. Despite taking immediate steps to secure my information, I have found evidence that my data was improperly accessed and used. 

Under 15 U.S.C. 1681b, which outlines permissible purposes for obtaining consumer reports, I believe that the use of my personal information without my consent may be unlawful. I am concerned about the potential misuse of my data and the impact this breach may have on my financial well-being.

I request that the CFPB investigate this matter and assist in ensuring that my rights are protected. Additionally, I seek guidance on any further actions I should take to address this situation and mitigate potential risks to my financial identity. 

Please find attached any relevant documentation, including notices from the affected company and any evidence of unauthorized use of my information. 

Thank you for your prompt attention to this urgent matter. I look forward to your response and any assistance you can provide.
Product: Debt collection

I received a letter from RTR Financial Services that I owe {$2100.00} to XXXX XXXX XXXX. 
The collector did not provide any agreement with their client that grants them the authority to collect on this alleged debt ; an agreement that bears the signature of the alleged debtor wherein agreed to pay the creditor ; Any insurance claims have been made by any creditor regarding this account ; Any Judgments obtained by any creditor regarding this account ; did not provide me with copies of any papers that show I agreed to pay what you say I owe ; proof that the Statute of Limitations has not expired on this account ; proof that you are licensed as a collection agency in the State of New York ; did not provide the name and address of the bonding agent for RTR Financial Services in case legal action becomes necessary.

Moreover, they responded with a bill from the Hospital with the list of procedures. This is a violation of HIPAA. I did not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. They did not provide a copy of my signature with the provider of service to release my medical information to you.
Product: Checking or savings account

As of Saturday, XX/XX/XXXX, access to my family 's funds in the amount of nearly {$3000.00} has been intentionally disrupted by Capital One. This was done without notice and without any indication of how I will get access to my funds. I could transfer it to my new account, but they also blocked that. This was a retaliation for my ongoing complaints with the company around an ongoing iissue where they prevented my funds from being used based on the constant and nonstop claims of potential fraud. As a result, I am incurring significant late fees on everything from credit cards to mortgage. This is where my direct deposit for payroll is sent so my happy has ZERO money to live.
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 confidentially 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  15 usc 1681 section 602 a state i have the right to privacy. 

15 usc 1681 section 204 a section 2 : it also states a consumer reporting agency can not furnish a account with my written instructions. 

15 usc 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 

15 usc 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Got a letter saying I was sued and wages are going to be garnished
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial has been reporting inaccurate information to XXXX, XXXX and XXXX. All of my attempts to correct the reporting with Ally and all 3 credit reporting agencies has failed. Ally has not responded at all and the 3 agencies just send me an general response saying the information has been verified without giving me the proper proof. 

Letter written to Ally Financial on XX/XX/XXXX requesting for validation pursuant to the FDCPA and the FCRA along with the corresponding local state laws. They have yet to respond. 
2nd Letter sent to Ally Financial on XX/XX/XXXX requesting for validation pursuant to the FDCPA and the FCRA along with the corresponding local state laws. 

Dispute letters sent to XXXX in regards to the above Ally account reported on the following datesXXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX. My name, dates, amount owed and last payment dates are wrong and constantly change on their report. XXXX continuously reports that the account is verified without any proof. 

Dispute with XXXX and XXXX sent in regards to the above Ally account on XX/XX/XXXX, XXXX and XX/XX/XXXX notifying them that My name, dates, amount owed and last payment dates are wrong and constantly change on their report. XXXX continuously reports that the account is verified without any proof.
Product: Mortgage

In XX/XX/XXXX I requested and was promised a VA mortgage payment of {$2200.00} monthly by XXXX XXXX XXXX ( XXXX ) out of XXXX, NY. This included taxes and insurance. I was told the taxes would be around {$14000.00} a year. The insurance would be around {$2500.00} a year. These numbers were estimates but proved to be accurate. 

The house cost {$310000.00}. We borrowed {$330000.00} with {$20000.00} down payment. The house was damaged in super storm XXXX, the lower level needed extensive work. The house had no heat or hot water. No washer/dryer. The lower level had no walls, floors or electricity. The lender ( XXXX ) requested access to the house to hide the damage and was given permission. They said the VA might want to inspect the house and would deny the loan if they saw damage. They covered the walls with paneling and the floors with linoleum. It looked okay. They wanted me to pay for this. 

After extensive background checks we closed on XX/XX/XXXX. At the closing we were told the VA loan was denied and we were offered an FHA loan for $ XXXX monthly payment. No warning of the change was provided. We accepted this loan under protest. The additional {$300.00} would be hard for me to pay. I immediately began working on the house. After 7 months and {$40000.00} more invested we moved in. 

Almost one year to the day I was called by Freedom Mortgage ( they acquired XXXX XXXX XXXX after my closing ) and was told there was some miscalculations with my loan and my monthly payments were going to be raised to {$3300.00} per month. An {$800.00} increase. There was nothing they could do. I was destroyed. I could never afford that payment. I would have never been approved for that payment. 

I tried calling my mortgage broker, XXXX, she was let go after the takeover by Freedom Mortgage. Since that phone call from Freedom Mortgage in XX/XX/XXXX, I have been  fighting to stay in this house. I have worked with 3 different law firms. I am currently in a financial assistance program with Freedom Mortgage. They told me last month my request is denied. They want me out. My next/last court date is scheduled for XX/XX/XXXX. See attached. 

After going back and reviewing the closing documents, I discovered the taxes were estimated at {$300.00} per month. See attached 1st payment due has taxes and insurance estimated. That is wrong. I believe they were intentionally lowered to get me approved. After one year they were corrected to {$1200.00} per month. That is the {$800.00} increase that I could never afford. They did this to me knowingly. 

They say they have no record of my closing or my first year payments. I have provided them documents to support this and they still say no. They don't believe me. I have attached my 1st 3 payments. I made this exact payment for one year until the mortgage was increased to {$3300.00} After that I could not afford the increase. Please help me.
Product: Credit card

I requested a refund for my game purchase last war because the game will keep logging off and or freezing. Support center is aware of the ongoing issue. Apple refuses to refund the faulty products.