23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I opened XXXX accounts at Citibank ; A CitiGold checking account and a credit card. 
The bank representative ensured me that I would be eligible for a XXXX Advantage mile bonus in opening the CitiGold, provided I made {$1000.00} of purchases and two BillPays in the first three months. I fulfilled these obligations and checked with my local branch whether or not I had met the requirements. 

However, after many months, I had not received the mile bonus in my account. I submitted several complaints regarding the account and the promotional offer and was informed that 'those offers are only available to the individual to whom the offer was addressed. ' I am extremely dissatisfied with the customer service and the lack of transparency regarding this promotion.
Product: Credit card

My account was held for funding for 4 transaction from FISERV merchant services and I am being promised all will be good to go in 24 to 48 hours sense XX/XX/2024 with no resolve no communication and they are charging me fees for my money they will not release to me they have asked for bank statements invoices that I sent to them via email and had me answer a questionnaire, they keep making appointments and then miss them causing me to loose time at work and so. Please help me
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Ive called XXXX XXXX XXXX, spoke with XXXX, then with XXXX at XXXX XXXX XXXX, then I was connected with a XXXX at XXXX XXXX at XXXX XXXX XXXX, then again with a XXXX at XXXX XXXX XXXX, then transferred to XXXX when I spoke with a XXXX XXXX at XXXX XXXX XXXX, then XXXX at XXXX XXXX XXXX and lasty with XXXX who confirme the account was paid per the agreement and closed on their end but this part was not communicated to XXXX. 

I am at my witsend at this point, Ive tried to resolve this cordially but now I am forced to file a small claims suit against both parties. Unless the account and tradelines are removed, the following suit will be filed in 15 days. This is unacceptable and a violation of Rosenthal Fair Debt Collection Practices Act. 

If XXXX fails to notify the credit bureau within 15 days of receipt, I will institute legal proceedings due to the breach of contract. The action taken by XXXX and its agents is in violation of the Fair Debt Collection Practices Act. Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( emphasis added ) Also, be advised that the undersigned is keeping accurate records as noted above of all correspondence from you and your company, agents, and assignees, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission, and the XXXX XXXX XXXX. 

The debt has been disputed. Feel free to contact the undersigned at the number below to discuss a resolution. Thank you for your time and attention to this matter.
Product: Credit card

Deceptive advertising by Citi Card : I applied, and was approved for, a new Citi/AAdvantage Platinum Select credit card. Before I even received any documentation or my credit card, I received another offer for a Citi/AAdvantage Platinum Select credit card, which offered even better benefits ( an additional XXXX air miles which translate roughly to $ XXXX value ). When I called to ask to receive the better benefits, I was told that even though I can have multiple Citi card acounts, the offer was only good for " new customers ''. HOWEVER, the terms and conditions of the new offer letter clearly state : " This offer is only valid for new accounts '' and " If you are an existing Citi AAdvantage cardmember, you are not eligible for this offer on your existing account ''. But it does not say anything about being a new or recent customer. Citi card also refused to honor their offer even if I decided to close the just opened account ( for which I had not even received my documentation ). Failing to honor the offer as published constitutes deceptive advertising and unethical business practice symptomatic of Citi Cards.
Product: Money transfer, virtual currency, or money service

I have been doing business with PayPal since XXXX, 2022. I have always delivered my products to customers. I have updated tracking. They permanently restricted my account and are holding {$1800.00} from me for XXXX days. I am not able to purchase my customers products or receive my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing accounts with XXXX XXXX XXXX and XXXX XXXX because this account have been disputed before and have not been removed by Experian or XXXX, but XXXX XXXX has removed both accounts as od XX/XX/2020 from my credit report and it is by law that each credit bureau is suppose to report the same accurate information across all bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to Transunion, XXXX, and XXXX  about these 2 accounts for XXXX both show an account # of XXXX ... .Each time they state that they conducted a full investigation and that the reporting is verified as reporting 100 % accurately ... ..How is this even possible? see the 2 documents that i have attached..this was pulled today XX/XX/2020 and there are multiple violations and inaccuracies. First off neither say in the comments that these accounts are under dispute, secondly experian and equifax are reporting a new charge off ever single month this is killing my credit score ... ..the high credit limits are all reporting different amounts, terms are different, how are they reporting a past due and a balance on a " charged off '' account?, all 3 have different comments, all 3 have different date of last active, As you can see i have listed multiple violations which mean they did not conduct proper investigations and are just pencil whipping their responses they need to be held accountable for these violations
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 confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : $ XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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 confidentiality under 15 USC 1681. I told XXXX, XXXX, and Equifax to reinvestigate this account : XXXX that is with XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I also have no written agreement or obligation to this company whatsoever. Additionally, according to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 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.
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 confidentiality under 15 USC 1681 Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. states I have the right to privacy 15 USC 1681 section 604A Section 2 ; it also states a consumer reporting agency can not Furnish a account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) section states no consumer reporting agency report containing any of the following items of information Any adverse items of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not Furnish any information relating to a consumer to any customer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX ACCOUNT # XXXX, has violated my rights. 
I have informed the consumer reporting agency that several rights have been violated by them publishing this account on my report. Certified letters were sent. 

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) .EXCLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete this account from my consumer report. This company is in violation of 15 U.S. Code 1681.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX  letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681i, to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding the inaccurate personal information that has been reported by XXXX, XXXX, and TransUnion on my credit files. Despite multiple attempts to rectify the situation by contacting these credit bureaus directly, they have failed to remove old and outdated information from my credit reports. 

The primary concern I wish to address is the various versions of my address that are being reported. This misinformation is not only highly embarrassing but also potentially damaging to my reputation. I have enclosed copies of my current Driver License, W-2 with social, Notarized letter, and Pay stub as proof of my identity and the correct information regarding my address [ 5 ]. 

In my previous communications with the credit bureaus, I have clearly stated that the provided versions of my address are incorrect and have provided them with the correct and legal versions of my personal information. Despite these efforts, they have failed to take the necessary actions to remove the outdated and inaccurate data from my credit files. 

Furthermore, I am concerned about the potential impact of this inaccurate information on my future employment prospects and creditworthiness. The credit reports make it appear as though I have been living at multiple addresses simultaneously, which is entirely untrue [ 5 ]. This misinformation could harm my chances of securing employment or obtaining credit in the future.

According to the Fair Credit Reporting Act ( FCRA ) and the guidelines provided by the CFPB, it is the responsibility of the credit bureaus to ensure the accuracy and integrity of the information they report [ 6 ]. They are obligated to promptly investigate and correct any inaccuracies or incomplete information upon notification from the consumer. 

I kindly request that the CFPB intervene in this matter and ensure that XXXX, XXXX, and TransUnion take immediate action to remove the outdated and inaccurate information from my credit files. Additionally, I seek your assistance in enforcing the guidelines outlined by the FCRA to prevent similar incidents from occurring in the future. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of accurate information on my credit reports.
Product: Payday loan, title loan, or personal loan

I am currently unemployed and experiencing XXXX  hardship. I have a loan through Netcredit in the amount of {$1300.00}. I originally took out this loan in 2020 and have made of {$4000.00} in payments. 
I contacted Netcredit via email and phone in XXXX and XXXX to discuss my account details. After speaking with XXXX different people, including to a XXXX, they were unable to tell me the total amount of payments Ive made towards my outstanding balance. I know that I have paid well over the amount of the original balance. 
I would like for the remaining balance to be waived and my account to be closed permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & TRANSUNION Violated the United States Code Law There Should be no late payments if a finance charge was involved. Finance charge is the sum of all charges so theres no late payments.
Product: Credit reporting or other personal consumer reports

I recently had 2 XXXX accounts that was in collections removed from my credit report and deleted because the debt was not valid. One account was XXXX XXXX ( acct # XXXX ) the other account was XXXX XXXX XXXX ( acct # XXXX ). Today I received a inaccurate derogatory mark on my fico report, reported from XXXX for late payment history related to these deleted accounts. I did not pay a balance that was owed to get these accounts removed, the late payment were associated because the debt was invalid. This type of negative reporting is prohibited by the Fair credit reporting act!!. I request to IMMEADIATELY remove the late payment history that is associated with these deleted accounts so my credit report reflects accurate by law. 
In accordance with the fair credit reporting act XXXX  account # 's XXXX & XXXX has violated my rights again. 
15 U.S.C 1681 section 602a states the right to privacy.

15 U.S.C 1681 section 602a section 2 also states a consumer reporting agency can not furnish a account without my written instruction or consent. 
Under the FCRA ( Fair Credit Reporting Act ) prohibits this type of negative reporting to ensure fairness, accuracy, and privacy of the consumer credit information.
Product: Student loan

My Federal loans are being handled by MOHELA. I have received confirmation that my autopay is verified. The first month it did not work so I made my payment manually. My MOHELA account says the next payment will be deducted next week, however, I received an email for Federal Student Aid stating I missed a payment and now my credit score has decreased. I cant get anyone in the phone at Federal Student Aid or MOHELA.
Product: Credit reporting, credit repair services, 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 confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : account # XXXX, XXXX XXXX : account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continue to report negative items in my credit report that are over seven years old. They continue to report a XXXX XXXX that has been discharged. They continue to report late payments that obviours dose n't exist for over seven years. The two other reporting agency have done the proper thing in removing these items and making an accurate report.
Product: Money transfer, virtual currency, or money service

Wells Fargo lender na managing agent of A XXXX XXXX /XXXX  NC condo complex located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX wells Fargo fraud claims letter dated XX/XX/XXXX by XXXX XXXX wells Fargo bank stated to sent all my proof of us identification and of identity theft and forgery on my name XXXX XXXX XXXX XXXX XXXX caseXXXX case # XXXX with XXXX XXXX Wachovia  na wells Fargo bank TO THIS CONDO ADDRESS ..since reporting in person to XXXX  in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX OF fraud activities done on my name XXXX.. I was told my life savings and all my solely owned monies were gone all XXXX  balances!!!! 
RETURN ADDRESS ON WELLS FARGO LETTER XX/XX/XXXX WAS Wells Fargo bank Customer Assistance Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX XXXX VA XXXX There is no wells Fargo bank there BUT ITS A CONDO DEVELOPEMENT ..MANAGED BY WELLS FARGO LENDER NA aka Wells Fargo The private bank ... .wealth management advisors. 
I am searching for over XXXX XXXX dollars PLUS INTEREST AND .... unlawfully transferred out of my accounts. INCLUDING MY STOCK FOILIO XXXX sale by XXXX XXXX XXXX XXXX XXXX DOLLARS all details of the linked XXXX securities accounts FRAUDulently set up circumstances account in my name in XXXX with a balance {$3700.00} as per XXXX XXXX XXXX XXXX ... no XXXX no receipts no trace of these wires to unknown entity. Period ..MONEY GONE AGAIN WACHOVIA.. 
The Wachovia wells Fargo XXXX account relating to all transactions made without my knowledge or permission by wells Fargo XXXX account # XXXX XXXX XXXX AKA XXXX XXXX XXXX XXXX XXXX IRA AND STOCK AND ALL OTHERS XXXX XXXX XXXX   XXXX XXXX formerly with XXXX  securities AS PER RECORDED ON PROTOCAL BROKERS joined wells Fargo advisors XXXX XXXX EXACTLY WHEN the experian credit report of my name XXXX XXXX XXXX XXXX XXXX .. Wachovia wells Fargo XXXX stock account was stated AS OPENED XXXX XXXX. I HAVE complained to the SEC regarding this may XX/XX/XXXX stock sale ... no receipt at XXXX XXXX ..I GUESS IT WAS ON THE XXXX SECURITIES ACCOUNT ... .... # XXXX ATTACHED.. I WANT A FULL ACCOUNTING OF ALL TRANSACTIONS ON THE WACHOVIA WELLS FARGO XXXX ACCOUNT AS ATTACHED # XXXX BY WELLS FARGO LENDER NA AKA WELLS FARGO WEALTH MANAGENT. I AM REQUESTUNG ALL WACHOVIA Wells Fargo wealth mg and advisors and all affiliated including all transfers to all investment groups ... .and whose name address and signatures did these transactions in my US LEGAL NAME..IT HOLDS KEYS TO both my solely owned monies and my identity theft and I WAS NEVER GIVEN TRANSACTIONS or accounting of monies by Wachovia na or wells Fargo. I AM REQUESTING COPIES OF THE ORIGINAL AUTHORIZATIONS and all applications OF THIS ACCOUNT AND ALL MONEY instruments and all investments made thru this account and all transfers in and out of all accounts attached to this wealth management account of Wachovia wells Fargo XXXX ACCOUNT. Advise Mr XXXX XXXX who left me a message STATING HE KNOWS NOTHING I saved his message and after trying to track him down since XXXX for my receipts. Finally the real discovery of the true facts are surfacing ....
Product: Money transfer, virtual currency, or money service

USA agenda Adversary in the divine court room XXXX will turn our darkness into light C/ LCDR XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX XXXX to the Assistant Secretary of the XXXX ( Energy, Installations & Environment ) O : XXXX C : XXXX DSN : XXXX