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

This is a follow-up of my previous CFPB complaint ( Complaint Number XXXX ) against Citi Bank for not honoring their promise of {$200.00} cash bonus after I opened a checking account with Citi and fulfilled all the requirements to earn that {$200.00} cash bonus. After I submitted my previous CFPB complaint ( Complaint Number XXXX ), I received a letter from Citi Executive Response Team, which is quoted below ( I have attached the letter with this complaint ). 
" You recently reached out to the Consumer Financial Protection Bureau regarding your concern about Citi, and weve reviewed your request. 
We understand your concern regarding a promotional offer for opening the above-referenced account, and we regret that misinformation was previously provided concerning the promotion. Our records indicate the account is linked to the offer XXXX ; however, as disclosed in the terms you included in your complaint, credit will be applied within ninety calendar days from the date you complete the required activities. The required deposit was made on XX/XX/XXXX and has been maintained the required 60 days. Therefore, a {$200.00} credit will be applied on or before XX/XX/XXXX. We regret any frustration this may have caused. 
Thanks for your inquiry. We'd like you to know that it's important to us and we appreciate the opportunity to respond. '' The letter promised that a {$200.00} credit would be applied to my account on or before XX/XX/XXXX. Today is XX/XX/XXXX, I have not yet received the {$200.00} credit in my checking account. When I called Citi customer service, I was told that they needed to investigate this case again for a number of days. I think it is one of their deceptive practices to not honor their terms. They need to be stopped and exposed. Thanks.
Product: Credit reporting

I got a protection agreement by XXXX with Experian Services Company last year because of a fraud and steeling information from the first party. Of course, I did not get any feedback from Experiance, even a freer report or Credit Score report till now Beside that, I start to receive many Credit Cards Offers which I do not apply for, Like ; XXXX. 
Will they only take fees through extra Sales Tax from XXXX which we are pay too and not sending Us or free reports annually to protect us?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$30000.00} ; XXXX XXXXXXXX Balance : {$16000.00} ; XXXX Balance : {$17000.00} ; XXXX XXXXXXXXBalance : {$11000.00} ; XXXX XXXXXXXX Balance : {$2800.00} ; XXXX Balance : {$17000.00} ; XXXX XXXXXXXXBalance : {$12000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Commenity Bank concerning my Victoria secret and XXXX XXXX account I opened in XXXX, that went into delinquent in XXXX. I have requested them to email me all the payment records and information on whom the sold the account to. I have been given inaccurate information and will like for the Fair Credit to investigate this matter. My credit report states that I made payments in XXXX in which was false. I lost my job in XXXX and was unable to pay my credit cards and car note. I stop paying both credit cards in XX/XX/XXXX. I was told by Commenity Bank my accounts was sold to XXXX XXXX, but when I contacted XXXX XXXX  they was unable to locate me in the system. XXXX XXXX attempted to use my social security number but still was unable to find me in there system. I called Commenity Bank back and explained what the representative told me from XXXX and still got the same information again. Commenity bank does not provide accurate information to consumers and is not following the guidelines of CFPB. Commenity is selling consumers information to unknown companies and risking identity theft to people like myself. On my credit report Commenity Bank does not have a phone number, I had to XXXX this address to call them. This is company is fraud and if I dont receive the information I need, my next step is to get a law suit in place. I should have a option to know where my information went and be able to have the option to settle the debt. 
Contact info Address XXXX XXXX XXXX XXXX, OH XXXX Phone number None provided - Comments Transferred to another lender Purchased by another lender
Product: Debt collection

experian needs to get this correct, this account is reporting illegal info, it reports a increase in balance of XXXX dollar, then it reports decrease XXXX dollar, then it reports closed, its making my score go up and down, its again the surpreme courts rule, im filing a complaint with this illegal info your letting destoy my life, im going to sue in court agai
Product: Money transfer, virtual currency, or money service

On XXXX I filed a dispute in the amount of XXXX as of today, NOTHING has came of it. On XXXX I was emailed and told a provisional credit of XXXX was applied to my account and I've not seen a dime of EITHER OF THOSE funds stolen from me! Numerous emails to support team about the two transactions fell on deaf ears, repeated scripted responses which didn't answer anything when/if I even got a reply, XXXX " provisional credit '' was NEVER APPLIED TO ACCOUNT ( I have proof merchant refunded those funds to my account so, all legal sense ... they stole my money ) and, repeated attempts to get these issues rectified since XX/XX/XXXX fell fruitless on the companys end! I've been far more than patient, my patience is gone! Attached is email from CashApp support proving the date I filed initial dispute on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information. 

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from XXXX XXXX XXXX XXXX, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802. 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on XXXX  date.
Product: Credit reporting

my social is correct. Most of the addresses are correct. what stands out to me is there is XXXX addresses that I have never lived that are on there. XXXX looks like a business address. I have never lived in XXXX nor XXXX. How could they be linked with my social security number? The times overlap the real times on the real addresses. I did have my purse stolen around 2009. But it just worries me that my social would be linked to those addresses.
Product: Credit reporting or other personal consumer reports

I have made repeated attempts, on three separate occasions, to notify Capital One that I am an authorized user on a credit card account that was fraudulently opened in my name. Despite my efforts, Capital One has insisted that only the primary account holder can remove me from the account. 

I want to emphasize that I have never utilized nor even seen this credit card, it is imperative that action be taken promptly to rectify this situation, as it is unjust for me to bear the consequences of someone else 's fraudulent actions. 

I kindly request your assistance in addressing this matter with Capital One as soon as possible.
Product: Debt collection

In accordance with the Fair credit reporting act XXXX  account # XXXX ARS Account Resolution has violated my rights. 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 an account without my written instructions It is listed on my credit report 2 times and for the following 2 different amounts. {$1300.00} & {$370.00}
Product: Credit reporting

Student loans are reporting late when they have always been on deferment..i have disputed with the bureaus and all XXXX have just ignored my dispute stating it is reporting correctly. I have a letter directly from fed loan servicing stating deferment and forbearance dates and they prove i should never be reporting late. Letter states beginning and ending dates of all deferment and forbearance on my accounts.
Product: Mortgage

This is my third complaint about this mortgage company. Why is my monthly statement showing that I owe {$1000.00} And why is it showing an overdue payment of {$590.00} and what is a partial payment unapplied mean? Why is my statement showing all this when I was approved for a load modification. Please first answer the meaning of partial payment unapplied. Where did that {$140.00} go if it's a partial payment unapplied? Every time my online account showed a payment due, I paid it. So how can there be an overdue payment. My monthly payment is supposed to be {$500.00}. not {$1000.00}. I'm supposed to have a loan modification because I have stage XXXX XXXX and can not work at this time but instead you're making it worse by saying I owe {$1000.00} and saying there is a overdue payment and what does {$140.00} in partial payment unapplied mean? Where did that money go? Are you keeping it for yourself? What does partial payment unapplied mean??? This is the worst mortgage company! They just want to hurt people. I keep calling and leaving messages for the XXXX XXXX XXXX XXXX and he never returns my calls. And then when I tried to do a live chat with XXXX on XX/XX/XXXX, after a half hour I gave up because she never came back. The last thing she said was " Thank you for your patience, please allow me a few more minutes, I am still reviewing your account. '' And then a manager stepped in.
Product: Mortgage

The last complaint we submitted was misunderstood, and misinterpreted by ARVEST. 

In the said complaint we are clearly referring to the XXXX modification, which was the consequence of the XXXX Financial Mortgage Fraud.

As we said before we will examine the loan in its detail and eventually we will contact ARVEST and this Agency in the near future. 

We have requested from ARVEST a copy of a complete History of the Loan from its Origination in XXXX until the Present. 

Thank you for your attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian multiple times asking for validation of debt by on XXXX XXXX. I have not received validation from XXXX or Experian. Experian continues to post the data, even though it is a clear violation of US HIPPA laws and fair debt collection practices. 

In a previous complaint with the CFPB I request that Experian directly provide the validation as I have not received it from XXXX XXXX, and they did not do so. 

I have asked multiple times of multiple parties involved the following : 1. Justification of the claimed amounts, including itemized invoices and receipts 2. Explanation of how you calculated the amount owed 3. The identity of the original creditor 4. Proof that the Statute of Limitations has not expired on this account. 5. Proof that you are licensed to collect debt in my state. 6. Your license numbers and registration agent, or agent of service. 7. Any and all proof that you are following all HIPPA laws as you are a medical debt collector.

I have yet to receive any of up but Experian resolves the dispute as information stands.
Product: Debt collection

I noticed ( XX/XX/XXXX ) that my credit report is reflecting a new charge-off from Shellpoint. Upon review, I was able to confirm that the alleged debt is actually an illegal attempt to collect on a previously charged-off account from another lender. Ditech ( original creditor ) charged off the balance in XXXX. Shellpoint has never provided any documentation to support their claim or any notification that they are attempting to collect a debt or informed me that the debt can be disputed.
Product: Money transfer, virtual currency, or money service

I sent our daughter {$200.00} on XXXX day using Cash App. My daughter contacted me and said that when she authorized the withdrawal from her account the money was sent to someone else 's account. We both filed disputes, mine was denied because the said I sent money from a device in my possession and to someone I had previously sent funds to ( makes sense ). Her dispute as of today was also denied. They said since she authorized the withdrawal from her account on their app they were not going to help and closed the dispute. Apparently when looking at their critical feedback this has happened more than once where someone was able to hack another persons Cash App account add another account number so any money is diverted to that account. There is one instanced where a this happened and the hacker drained all the money from the owners cash app account. And the standard answer from Cash App customer service is " we can not help you with this matter ''. Apparently from the critical feed back because other people have entered disputes on similar issues that Cash App is aware accounts are being hacked. My wife and I at the same time had a fraudulent withdrawal from our checking account. The transaction said we had sent {$20.00} from our checking account to me using my wife 's debit card on her Cash App. Looking at her Cash App transactions, no such transaction took place. It is their app being hacked and they unwilling to take care of the customers? I think cash pp should be investigated by the Federal Government and shutdown completely.
Product: Debt collection

LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES GREENVILLE, SC XXXX Reported : XXXX  Amount : {$2800.00} I do not know anything about this collection. I sent a letter to the company and got no response. I have disputed multiple times with XXXX and XXXX. It was never cleared off my credit report. The collection agency has never tried to contact me in any form ( telephone, email or mail ). Please help me. Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX has failed to allow direct /proper access to my credit score and the ability to dispute.

I contacted customer service over 50 times and could not get a live representative to assist with this matter.

I noticed several accounts being reported in violation of the FCRA. When you ask a debt collector to verify or validate a debt, or you otherwise dispute the debt, you trigger certain legal obligations ( which they must follow ). One of the most important of these obligations is to mark the debt as disputed, on your credit reports. This is required under section e ( 8 ) of the Fair Debt Collection Practices Act ( FDCPA ). 

I was trying to dispute several accounts in violation of the FDCPA When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers to report inaccurate information, but you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C )
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel so stress about my credit report. I've sent disputes last XXXX regarding to those unknown and inaccurate accounts on my credit report but it's 90 days now but there's no response yet. I demand to immediately DELETE those accounts or I will file a litigation.
Product: Credit card or prepaid card

XX/XX/2021 going to store, checked balance : {$1.00} remaining. Down from {$120.00} 2 days before. Checked transactions online. " XXXX '' for {$60.00}, plus another $ XXXX {$40.00} in " unsettled transactions, international transactions, '' and other, small fees. Direct Express rep stated " fraud is obvious. '' Closed account, ordered new card. Called SSA to receive paper check as of XX/XX/2021. Confirmed change two, consecutive days. Direct Express agent have lots of information, then said a " fraud package would be mailed out. '' Even if I don't fill out paperwork in package, rep assured me " case would be investigated still. '' Package received today ( XX/XX/XXXX, mailed XX/XX/XXXX ). 
The Problem : I CAN'T GET ANYONE TO ANSWER PHONE!!! The other portion of fraudulent charges, " not settled, '' are due to be investigated. Since card is cancelled, and Direct Express is stating ( at phone XXXX ) the new card was mailed on XX/XX/XXXX, need to access my records in the Fraud Department. XXXX hangs up as soon as I input my number. Can't get through to Direct Express. 
I figure the company is in trouble and things are going badly. Customers have to suffer the losses, and zero-oversight save for XXXX XXXX THREE, YEARS AGO! Something is very off here. What little communication Direct Express offered has dwindled to nothing. My stolen funds are likely a sure loss now ; I might get lucky and have {$60.00} refunded, but not expecting much from this, government-subsidized entity. 
It's as if SAA recipients, with limited everything, are being thrown under the bus -- and nobody cares. 
Please help -- please.
Product: Checking or savings account

Someone opened an account using my name, social security #, address and phone number. This account was opened at Synovus bank, i was notified by the bank and have received a statement in the mail. 

I do not know this person and am concerned of other fraudulent actions that maybe taken. 
Documents can be provided as needed.
Product: Checking or savings account

I had a mortgage loan with Wells Fargo and still do. Wells Fargo recommended I open a free checking account. I refinanced my mortgage with them and they began to apply fees to my checking account which brought my account to a negative balance and created a XXXX XXXX negative review. I called several times to resolve and they refused to fix the issue that never should have been an issue as my mortgage loan that qualified me for the free checking account remained with Wells Fargo. 
This occurred in 2013. The fees depleted my account balance of {$100.00} plus. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Acima Digital FKA Simple reported number XXXX. Date opened XX/XX/2018. Disputed with XXXX, XXXX, and XXXX multiple times requesting proof of debt or removal. Called Acima, but they couldn't find an account with my cell phone number ( I have had this number for almost 15 years ) and asked for proof of debt, and a contract by mail. called XXXX and initiated another complaint requesting proof of debt or removing the file. 

I have proof of identity theft, address, phone numbers, and social security number that is not mine over the last 10 years I have proof of a change of address XXXX unauthorized, data breaches, and leaks. 

This debt has caused hardship, and applications were denied due to the derogatory mark that ultimately lowered my score, and caused a higher percentage on my auto loan. 

XXXX and XXXX removed the account from my report for Acima failing to comply with FTC, my right to information.
Product: Debt collection

I opened a credit card with Lane Bryant ( Comenity Bank ) around XX/XX/2022. I never received the credit card in the mail, so I have been unable to set up my online account. They began calling me shortly after repetitively about the debt, numerous phone calls every day. Even after setting up my first payment I received another phone call about the debt just days after setting up the payment. During the summer I called their help line and paid off the debt and requested another card be sent to me so I could set up my online account. A couple weeks later I received a letter in the mail from the company telling me that my request for a new card had been denied, so I am still unable to set up an online account so that I can monitor the debt and make payments on it. While I have not used the card since paying off the debt this summer, somehow more debt has built on the card. Now I receive many phonecalls throughout the day. The first week they started calling me I had over XXXX phone calls from different numbers, and upon blocking several of them they began calling from private numbers that could not be blocked. They have been calling like this none stop ever since. Just this morning ( XX/XX/2022 ) I had XXXX phone calls before before XXXX. They call at all hours during the day disrupting my work and sleep. These calls have been coming in this manner for over a month now. I would set up an online account to pay my debt but the company has denied me the ability to do so, and I have not even received the credit card I signed up for, which was discussed with a company representative when I paid off the debt this summer, but I still have not received the item which is rightfully mine. Calling the company to pay the debt this summer was a very difficult process involving long wait times on the phone and a language barrier with the agent that made it difficult to resolve the debt. 
They have also sent me texts on top of all the constant phone calls.