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

I opened a checking and savings account package in response to Citibank 's bonus promotion. The promotion was open a checking and saving accounts package, deposit at least {$15000.00} into the combined accounts, keep it for at least 60 days. Then within 90 days after meeting requirements, {$400.00} bonus will post to my account. 

I opened the accounts and deposit XXXX on XX/XX/18. The XXXX had to remain for 60 days until XX/XX/18 but I kept it there until now. Now 90 days after XX/XX/18 and I've not received the bonus as promised. I chatted with the Citibank agent and he didn't know about the promotion. I told him to XXXX it since the promotion is still on going until XX/XX/2018. I then called a different agent and he said he will investigate. 

Checking online, many people are having this problem that Citibank promised the bonus but doesn't deliver until customers filed complaints with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few days ago XXXX sent me documents stating there was a freeze on the account and than a few days later XXXX changed the name to the right name and than changed it back to the XXXX up name. Ofcourse this is what happens in the great XXXX scandal. Lawsuits are being arranged since this is a distraction. but I have several remedies to end this.
Product: Mortgage

We reached an 80/20 LTV ratio and sent a letter requesting the cancelation of PMI. The letter included the information required as laid out on our lenders website : explicit request to cancel PMI, loan number, the date, and the signatures of all borrowers. Our loan is current, and our payment has never been even 1 day late. ( Of note, our loan was recently transferred to this lender, and they have compromised my personal information with their poor cybersecurity practices. ) Our current principal is {$270000.00} and our original value in XX/XX/XXXX was {$350000.00}. The lender is refusing to remove the PMI even though we have met the requirements unless we pay for an appraisal to prove the value has not decreased. Their website says an appraisal is required if you have not yet met the 80/20 requirement of the original value to verify the current value meets this LTV. However, we have met the LTV of our original value. Additionally, housing everywhere has increased in value since XX/XX/XXXX, and mortgage lenders are very aware of this. This is intentional to receive more than they are entitled to by the terms of our loan and to continue to reap excess profits by making it very expensive for us to remove the PMI.
Product: Credit reporting, credit repair services, or other personal consumer reports

This situation has been going on for since XX/XX/XXXX we are now in XX/XX/XXXX. I have told XXXX XXXX time and time again that someone used my information to apply for a student loan with XXXX XXXX and I found out about it this year XX/XX/XXXX after opening my account with XXXX XXXX. Apparently, because the person who used my identity in applying for a loan also fraudulently used someone elses information as a co-signer, they put a negative record on my Early Warnings Services Report. ( I will attach the letter ) The loan application number appears as an account number but when I contact XXXX XXXX they tell me it is the student loan application which is XXXX. I have filed a report at identitytheft.gov and provided them with the the report and case number XXXX ( I will upload that as well ).  XXXX XXXX is telling me that that is not enough and i need file a police report with my local police department. Mind you this application was done online so that would be of no help at all. I have disputed with early warnings twice and XXXX XXXX seems to keep deeming the information accurate so now I am contacting you guys CFPB to Ask XXXX XXXX to either provide proof that this was me that applied for the student loan fraudulently or remove the negative record from my early warnings report immediately as I am being held accountable illegally. I will be taking further action against XXXX XXXX if I am refused a response.
Product: Vehicle loan or lease

After Gap company and insurance company paid off balance of the car the finance company add {$490.00} to the remaining balance that Gap company did pay/wave off. It was about {$1900.00}
Product: Mortgage

We were not provided our closing cost until 24 hours from closing. 
Our loan officer did not inform us that our mortgage payment would be more we didnt find out until closing. 
Our loan officer told me in writing that my fiancee could be added to deed at closing we didnt find out that she could not be added until after we closed. 
Our interest rate was changed We were provided 4 different final amounts Our mortgage payment was changed from {$840.00} per month to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This problem is actually due to inaccurate reporting by my mortgage holder XXXXXXXX XXXX XXXX  which is the subject and related to 2 prior unresolved complaints - # XXXX -and XXXX. As described in my initial complaint XXXXXXXX XXXX back in XXXX verified my explanation of events and assured me they would resolve the issue within 15 days by sending Refund Modification documents. Unfortunately that has not happened and I filed a second complaint. In the process of this continued failure XXXX  took my loan out of Loss Mitigation. This complaint relates to the fallout of that action- my stellar credit rating went from the XXXX range down to about XXXX. I went to trade in my vehicle to discover this and was only offered a high interest rate. I was told at that time that after my mortgage company corrects their reporting I could refinance to a lower rate. 
There is such a disconnect existing within the communication flow at XXXX XXXX that my phone calls and conversations with representatives or messages on the app are all like starting over and go nowhere. This has gone on for the past 14 months! XXXX did send my account back into loss mitigation last week but no mention of correcting their mistake that affects my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The Credit Bureau is reporting inaccurate information on FIFTH THIRD BANK NA XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in XXXX Credit Bureau. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection below has already been cleared/paid for and needs to be removed from my credit report as soon as possible. Please see the clearance and payment receipt in the attachments. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) These inquiries are fraudulent and do not belong to me : XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

The reason for my dispute isJefferson Capital Systems was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, Jefferson Capital Systems has  reported a fraudulent account on my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. 
failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation.Jefferson Capital Systems is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under XXXX Taking assignment of debts. FDCPA I fail to see where Jefferson Capital Systems, are in compliance with OHIO LAW.
Product: Mortgage

XXXX of XXXX I refinanced my home from Newrez to XXXX morgage company. I had an over payment in my escrow account in the amount of {$2100.00}, that should have been returned promptly after Refinancing was completed. I have contacted Newrez customer on XX/XX/XXXX, To resolve the problem. On several occasions I was told by Newrez staff members that the check was mailed, only To find out they had been returned. So I ask to speak with a supervisor on XX/XX/XXXX, I spoke with XXXX XXXX XXXX and she had informed me that the check had been ACH ( Direct deposit to my checking ) as of this date XX/XX/XXXX. I then ask XXXX XXXX for a transaction number, she stated she would call me later on today with the information I requested. ( transaction number ) It has been three day and no response from Newrez staff nor my over payment.
Product: Money transfer, virtual currency, or money service

I have been earning monies on apps downloaded from XXXX XXXX  to my XXXX- I am very successful at this & make as much as XXXX  to XXXX $ in a single day - time I spend fluctuates from 1 hour to 12 or even 13 hours. The problem started with the first app I learned from " XXXX XXXX " - an online instructor of sorts back around XXXX or may have been XXXX, the first app was " XXXX  '' app. A person would download this app and it instructs you to download another app within the app. Then you are to open and run the app for approximately 30 seconds or so. The first day there may be 1 or 2 to open and run it paid {$500.00} per day that I did this 2nd day it may have 2 or 3 to open and run {$500.00} pay takes maybe 15 to 20 minutes 3rd day might have 3,4, or 5 too open &. run - {$500.00} nice first time I try earning money from apps- {$1500.00} for 3 days work 45 to 50 minutes total -COOL OK now I put my PayPal info in and submit- it states payment in 48 hours Money never arrived - the money was paid by app developer but never arrived into my paypal- it was stolen, these cyber criminals figured out they could go into my XXXX and remove the money before it deposits to my paypal- someone ( s ) has been stealing the money from my work- as I stated earlier I have been earning on apps ever since- ++ most apps I earn on now have a person watch adds or 30 second videos. I may be playing XXXX  whereas every few cards I place at top another 30 second add and so on- so to make any money I spend many hours watching 30 second adds. Now the hackers steal the money I earned or they will change the tasks around within the app to suggest I only watched say 15 of required 100 adds videos when in actuality I watched 200 adds - and other times the app will state payment to paypal in 72 hours ok cool 3 days so I do this everyday and I have a payday everyday now sometimes when the timer gets down to say 10 or 15 minutes left of the 3 days they will change the task to say cash out in 257 hours and so on- this has been going on for years - attached is a screen shot of one of the last apps I was working which stated 24 hours for cash out - it took me about 3 hours time to cash out {$19000.00}, okay, that app has been resetting everyday for several weeks now- get the picture- I have sent several XXXX  to XXXX XXXX  and app developers for all the different apps I have been earning on- no response I also tried calling XXXX XXXX  and XXXX XXXX after the bot answering machine my call is dropped before a human answers- as stated earlier I am missing tens of thousands of dollars every week - for two plus years now Thank You There are more cyber crimes that have been being committed by these Same people as I will be filing complaints - these attacks are very serious and need to be addressed Thank You, XXXX
Product: Credit reporting or other personal consumer reports

I am asking can XXXX 's remove adverse information off my three consumer credit reports ( XXXX, XXXX, and Equifax ) concerning a one time 30 day late payment in XX/XX/2021. I missed this payment because of then COVID-19 cutbacks on time and staff at my place of employment and its has been having a adverse effect on my three consumer credit reports ever since. This one time missed payment is lowering my credit score substantially. In an effort of goodwill I am asking can this adverse information be removed from my three consumer credit reports by XXXX 's. This is the only missed payment on my credit report and my XXXX account is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began monitoring my credit in XXXX, after the experian leak and other issues, so trying to rebuild my credit. on XX/XX/XXXX, I made a dispute with Experian noting some addresses that were no longer associated with me. I have no outstanding debts or other reports from those addresses so I wanted them removed. I reported them and asked that they be deleted because they are not my address, and I noticed today that they are still listed. The report of my dispute just says they were updated.
Product: Credit reporting or other personal consumer reports

The Credit bureaus stated my account was properly investigation but how is that possible if the place of business, balance, status of account, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

On XXXX XXXX, XXXX, XXXX Brock & Scott , PLLC for XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has served me Alert/amended notice of hearing papers to be in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX on XX/XX/XXXX @ XXXX am in XXXX, NC to foreclose on my home for a debt that has been paid and discharged in my XXXX XXXX bankruptcy back in XX/XX/XXXX. I have asked them to cease and desist, i have disputed the debt and 2 of the credit reporting agencys are showing the accounts closed. XXXX XXXX XXXX  has even squatted so low to tell transunion credit agency that I made a payment in XXXX XXXX so they could restart the account as being updated. I have also disputed that lie with transunion and they have done nothing to fix it. I am permanently XXXX, currently suffering from XXXX XXXX, live alone, no family or friends and barely getting by. I am not one who doesn't pay my bills when I owe them. Please help me and have them to please leave me alone. I am not bothering anybody and just want to die in peace, please... .I don't know what else to do at this point. Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX XXXX Case Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Account Number : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX of inquiry : XXXX Please remove it from my credit report.
Product: Credit reporting

1. in XXXX XXXX, i had to file for chapter XXXX bankruptcy due to the housing market crash. my bankruptcy was discharged in XXXX XXXX all XXXX credit reporting agencies kept the bankruptcy on my report for an additional year ( should have been removed XXXX XXXX, was not removed until XXXX XXXX. 
2. I submitted a letter to all three agencies about a mistakenly charged child support payment that was never finalized signed by XXXX and XXXX of them still have not removed it from my report. 
3. I had to short sell my house and was told that it would fall off of my credit report 2 years after the last late payment. XXXX of the agencies have dropped it, a XXXX has not. 

all XXXX of the agencies have been seriously negligent in correcting these issues and i have filed disputes constantly. when i called to find out why my credit scores were still so low, they told me it was because of all the disputes i had filed. so my credit report is supposed to suffer because i am complaining that they are not doing their jobs? 
i really need some help with this as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an XXXX card that I was added as an authorized user to in XXXX. I was removed as an authorized user in XX/XX/XXXX and I disputed the account with Experian twice. Both times, Experian kept the account on my report, which should not be allowed as I have long been removed as an authorized user.
Product: Checking or savings account

I owner of XXXX XXXX deposited a personal check of XXXX from my client XXXX XXXX into my citizens business money market account. In the branch of XXXX XXXX I got a receipt and was told I would wait for six business days while the check was on hold. The XXXX was my availability date of when the funds will be released the XXXX came about and I went into the bank and I withdrew {$13000.00}. I put XXXX back into my account and wanted to do a wire transfer, had to leave from downtown branch to go XXXX XXXX branch to do this wire transfer the supervisor at XXXX XXXX said she had to get an approval from her supervisor later on that day. My account was under review and my check was put back on an extended hold. It is now XX/XX/year> and I still have no funds and have filed a FDIC and a OCC complaint. It has spoken to the chairman who says they couldnt verify my check with the bank but my client has already contacted their bank and XXXX has said they have already cleared the funds to Citizens XX/XX/XXXX. I have called and got the check verified from a chase verification number and my client has sent proof funds were already taken and I have called Citizens on and off since XX/XX/XXXX not having any resolution. I have also earned interest in this wait
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, I am submitting this complaint to the Consumer Financial Protection Bureau XXXX CFPB ) regarding Transunion XXXX specifically in relation to the recent data breach that has compromised the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud. Transunion is legally required to complete this action within four business days of receiving this complaint. *Fraudulent Accounts to be Removed : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my FICO credit report. These entries are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation of my FTC Identity Theft Complaints, which serves as compelling evidence that these accounts, inquiries, and collections are the result of identity theft and fraud. The negligence of Transunion in safeguarding consumer data has enabled identity thieves to exploit my personal information. I expect immediate action to rectify this matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information. Failure to comply with this legal obligation will compel me to take further action, including escalation to the CFPB, Federal Trade Commission, and legal avenues available to protect my rights as a consumer. Thank you for your attention to this urgent matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian - On XX/XX/2019, I submitted my dispute for XXXX/XXXX showing I was 30 days late. Instead of disputing the 30 days late, Experian udpated the date of account closure. This was not even close to what I was disputing! 
Experian gave me a textbook answer that they reached out to the bank, they follow the law, and their investigation confirmed I was late. However, on XX/XX/XXXX, XXXX/XXXX sent me a letter indicating that they have sent a request to the credit reporting agencies to remove the delinquency from the credit report and to allow up to 45 days for the credit reporting agencies to update their records. It has been over 45 days and this is still showing as late on my credit report.