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

I opened a savings account with Cit bank online. I travelled overseas for family 's medical reasons. I was informed by a Citi representative over the phone prior to leaving the United States that I can call in to request for a verification code in order to wire transfer funds. They normally send this verification code via text on the mobile phone number on file. However, a client who has no access to receive such text may also opt to call in for verification. Since I have no access to my US mobile phone while I am overseas, I called in for verification. I did everything they asked me to : I passed all the security questions they had in place to prove my identity, I called them long distance ( from abroad ) for hours on end. 

The problem : Citi blocked my online account - I have advised them duly of my travel plans and they said that would not be a problem. They informed me that even though I do not have access to my US mobile number for account verification, that I can call in answer their security questions and I will have no trouble accessing my account overseas. Yet, every time I tried to access my online account they would block it. They said they already lifted the restrictions on my account because I passed all the security protocols in place, yet they still could not grant me access to my online account. I am still using the same username and password since I opened the account, but Citi could no longer activate my online account, leaving me without access to my savings account while stuck abroad. 

I called them more than 20 times in the last XXXX hours but they keep giving me the run-around with no solution in sight. Please help me. All I need is to access my account using the same credentials I used when I opened the account. Nothing has changed except that I am currently overseas with no access to my US mobile number. I need to desperately wire money where I am overseas as I am running out of funds for medical and daily needs. I relied on Citi bank 's promise of global banking and online accessibility, but it has failed me.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and I noticed that I had XXXX collections I was in fact never late on or have knowledge of. The 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 accounts that I have included screenshots of inside this complaint, on dates XX/XX/XXXX til present XX/XX/XXXX for account XXXX, and dates XX/XX/XXXX til present XX/XX/XXXX for account # XXXX is in complete violation of 15 U.S Code 1692, and are hindering my right to credit due to false reporting. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I DEMAND these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. I will also attach an invoice for damages and opportunities missed due to false reporting. Even in the screenshots you can see the inaccuracy of the reporting. Thanks! Please see screenshot attached :
Product: Credit reporting or other personal consumer reports

I looked at my report back XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These account ( XXXX XXXXXXXX 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  ), are not complete and accurate.

And one more thing according to 15 USC 1681 s-2 SA 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.

Check the attachments below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had difficulties have the credit bureau give incorrect information on my credit report. I have sent documentation from the company stating the acct are not mine and are fraudulent. They still will not update the information.
Product: Debt collection

I was moving out of my apartment complex, The XXXX XXXX XXXX XXXX ( Formally XXXX Apartments ) in XXXX Georgia, and paid all the rent that i thought i owed in XXXX of 2014. I was verbally informed that i paid everything owed and therefore assumed my bill was fully settled. Several months later i got a call from a debt collector, Rent Recovery Solutions, stating that i owed {$720.00} for various reasons. I never received a bill from the XXXX complex nor did they attempt to contact me regarding this bill at any point. After requesting an itemized bill from the debt collector i concluded that i owed a partial months rent which i paid. That brought the balance down to {$440.00} which the apartment complex claimed were damages done to the apartment. I am disputing this for several reasons. 1. There was no move in inspection performed when i took control of the property. 2. There was no move out inspection performed and therefore my signature is not present on the billing document. 3. I know that there was no move out inspection performed for the previous tenant as i am friends with him. 4. One of the items on the bill was marked as damage several months after moving out, this is not allowed by Georgia law. For these reasons there is no way for the apartment complex to accurately say i caused any of these damages. In addition Georgia law states that the complex is required to give me an itemized list of any damages upon move in, this was not provided. Georgia law also states that i must be present during the move-out inspection and sign the document to ensure an accurate list is maintained, i was not informed of any move out inspection and the documents sent to me do not contain a move out inspection, only a bill.Georgia Law also states that a move out inspection must be performed within three business days after moving out. One of the items on the list was added almost three weeks after moving out. 

Rent Recovery has been informed of all of these reasons and also told me that i could not contact XXXX XXXX to resolve this debt and must deal with them directly. After citing several Laws and filling a dispute with the credit agencies XXXX XXXX and XXXX have not removed this debt that they claim i owe.
Product: Consumer Loan

Lender exchanged loan for legal services at " zero interest '' with legal service fees to be credit as earned. Lender has confirmed these terms in writing with the BBB and in numerous texts and email messages. If lender had done so as agreed, this loan should be recorded as paid in full by XX/XX/2013 at the latest. Lender has not repossessed the vehicle, but refuses to release the lien he has kept in place on my title with the state MVD, so I can not sell the vehicle. I also consider this failure to properly credit payment to my account and an improper attempt to collect a debt that is no longer owed.
Product: Credit card or prepaid card

Amex approved an XXXX XXXX XXXX with {$14000.00} as a limit. After a few months without notice, decreased the limit to {$700.00}. 

I want a complete and detailed : - date of account opening and limit - history of spending and payments - explanation for the credit reduction - proposal to keep me as a client - any fees I already paid All communication will be through Consumer Financial Protection Bureau, plus I want a written letter mailed to me. Standard and robotic copy and past letters will be trashed, and a new complaint will be opened upon receive.
Product: Checking or savings account

I reached out to my Bank, Bank Of America, for assistance in helping me retrieve my money back from a fraudulent situation that took place from a CPA back in XX/XX/2024. The CPA stole {$1200.00} from me and did not produce the services that were agreed upon in contract. The Bank credited my account to XXXX until they can resolve the situation but never gave me a reasonable remedy to why they could not credit it back to me even when I provided proof of conversation, the ghosting from the CPA, and the {$1200.00} receipts, and contract provided. I have been with this Bank for over 15 years and to be handled like that and for them to allow a fraudulent transaction like that to go through. To allow that such an unprofessional person to keep money that they did not earn in any way, form of fashion without producing a product or service is bewildering to me. Losing trust in my bank to fight for me after a fraudulent situation happening to me from what i thought was a professional company very disappointing and heartbreaking.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit card was a paid and settled charge off on XX/XX/2017 XXXX was paid and suppose to say in comments on my three credit reports as a paid charge off. Paid and settled account
Product: Payday loan, title loan, personal loan, or advance loan

Over-charges for interest seem to total more than several hundred dollars over the last 30 months.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
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 - XXXX XXXX XXXX XXXX - XXXX I'm urgently reaching out because I recently discovered several unauthorized accounts on my credit report. These entries are unfamiliar to me and are seriously affecting my ability to obtain credit. Under Section 605B of the Fair Credit Reporting Act, I am requesting the immediate removal of these fraudulent accounts. I don't recognize any of these accounts and need them removed as soon as possible.
Product: Credit reporting

I have a list of collections and creditors that repeatedly get removed only to be reinserted, sometimes the SAME DAY! Some are removed from my credit report and put onto my wife 's report, other just get reinserted or change company names. Some are disputed and then removed, sometimes the previously removed items are reinserted and deemed valid, by the same agency that removed them previously.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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
Product: Credit card

I opened two credit accounts with PayPal in XXXX ; one for about {$7000.00} and another for {$2000.00}. Both were underwritten by Synchrony Bank. I paid my bills on time the entire time, however last month they lowered my limit by about {$2000.00} and {$700.00} respectively. This has increased my credit utilization and negatively affected my credit rating. It makes no sense given my history with them but looking online, I see there are many complaints about Synchrony doing this to others. I feel like theyre trying to extort their customers into paying off their accounts sooner. I find it appalling that banks can get away with such unscrupulous practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/202, I submitted a dispute to all three credit bureaus. It has been beyond 45 days and i still have not received any results back.I am being taken advantage of. According to FCRA, it must be removed if it was not verified within 30 days. Please abide by the law and remove those accounts from my credit report.
Product: Debt collection

I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA XXXX. I've noticed discrepancies in several listed accounts, which is causing concern.
Product: Debt collection

They have not called or emailed me I reached out to them to let them know that the car was involved in accident
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and frustration regarding the multiple unsuccessful attempts to correct the late opening of my account with Credit Bureau. My account was expected to be opened, but despite my persistent efforts to rectify the situation, it remains unresolved. 

Initial attempt to open the account was made, but I encountered an issue with the process. 

Numerous calls were made to customer service, each time receiving assurances that the matter was being escalated and would be resolved urgently. 

Despite these efforts, the late opening of my account has caused inconvenience and frustration. I have patiently cooperated with your representatives, but the lack of resolution is unacceptable. 

I understand that errors can occur, but the repeated assurances without tangible results are disappointing. As a customer, I expect a higher level of service and a timely resolution to such matters.

I kindly request the following actions : Immediate investigation into the root cause of the issue.

Transparent communication regarding the steps being taken to resolve the problem. 
XXXX that this issue will not affect my account 's functionality or standing once it is resolved. 
Compensation for the inconvenience caused during this period. I appreciate your prompt attention to this matter and expect a resolution within the exact timeframe from the date of this letter. I am asking for your assistance to correct the late open account : XXXX XXXX XXXX XXXX Balance : {$4500.00}.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax & XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX XXXX XXXX of you receiving this complaint. The fraudulent accounts consist of a personal loan company XXXX XXXX XXXX XXXX Inquired on XX/XX/2024, XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/2024. Also, a fraudulent inquiry of a, auto financing company consist of XXXX XXXX XXXX XXXX Inquired on XX/XX/2024, XXXX XXXX XXXX Inquired on XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have disputed this XXXX XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed since XXXX. However, the account payment status is XXXX days late. The account payment status CAN NOT be XXXX days late on an account that has been closed for XXXX. The account status is wrong and should be closed. Now, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor I want you to delete this misinformation on my file : XXXX XXXX XXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXequifax and XX/XX/XXXX. Did not perform thorough investigations on my disputes. I would like to dispute the XXXX of my profile and have unverified information removed. This dispute is submitted under FCRA 15 USC 1681i which requires credit reporting agencies to conduct a reasonable investigation of disputed items
Product: Debt collection

I have tried to contact this company on several occasions because an account with them appears in my credit report but they can not validate any type of account information because they do not have information about this account. The last time I spoke they gave me the number of an agency and I called them to ask them to validate the information of this account and this company called XXXX XXXXXXXX XXXX told me that this case was had by lawyers and that they had no information about me. bill. I contacted the law offices and they told me that they could not validate the information but that an account appeared with them to collect and that I would send them the police report to eliminate the account. More than 45 days ago I sent them documents to prove that this account is not mine and they still have not answered. I opened a dispute in XXXX and the dispute was completed but XXXX  says that Banco Popular told them that the account can not be deleted. When I call Banco Popular they do not have any information about this account in their databases, so I do not understand how the experience says that Banco Popular said that they will not delete the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX failed to properly apply agreed upon extension resulting in multiple late payments are credit. 

Despite supporting statements from witnesses, countless contacts with various departments and their own reps stating in multiple occasions this was employee error they would be remitting they are now giving me the run around month after month asserting this is accurate when we both know their less than ethical tactics and shady practices are anything but. 

I even paid 2020 XXXX payment through XXXX XXXX quick collect certified funds within 39 days despite having requested it to be part of the multi month extension during family tragedy and they marked me late that month as well. 

In response to my ongoing disputes they I finally state it never happened until I provide call logs, then they state to CRA execs they are removing it then they tell me its valid and start sending me excessive certified letters and communications in violation of cease and desist on file and it was never requested. 

They are sending me a contract citing I requested I did not and your contract as well clearly shows my due date for this long since closed account was the XXXX XX/XX/2020 which was not even due but yet still paid because of your disconnect in service and communication posted within 24 days.
Product: Debt collection

Hello how are you I have the knowledge I own almost XXXX XXXX dollars for at XXXX bank and I paid o ready but this people garnish my account again at work the 3 time for same amount and never received a paid off later the 2 times o ready pay this people go to my account take it the money 3 time Midland Funding LLC
Product: Credit reporting, credit repair services, or other personal consumer reports

Before you attempt to read this message I want to let you know that this isnt a letter to collect debt. I am writing this letter as an affidavit and a dispute. The accounts listed in this letter is inaccurate and is an error. ERROR ACCOUNTS : XXXX, XXXX XXXX & INQUIRIES WILL BE IN THE ATTACHMENTS. I have contacted your company 90 days and you seem to be ignoring me which let me know that you are aware of every certified letter I sent to you and you have nothing with my signature bearing my signature or any documents that is attached to me. By law you must remove the items immediately and I am only allowing 24 hours for this to be resolved. I am unaware of the accounts and inquiries listed. I mentioned this in 3 previous letters 90 days ago but your intentions were all wrong and youve violated my rights as human being and Im forced to take legal actions for using my consent with out contacting me. This is a special moment for me knowing that we will be in court soon because you owe me time and damages that youve caused stress and more to my life than you ever can imagine. I  will be filing a lawsuit very soon and will be looking to be compensated an amount of {$30000.00} for all the damages.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically under Section 605C, and the guidance provided by the Consumer Financial Protection Bureau ( CFPB ) This request is being made due to my status as a victim of XXXX XXXX, specifically debt bondage, which is recognized under the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). I have a letter from an advocacy group assisting me, affirming my status as a victim of XXXX XXXX. These documents should meet the requirements laid out by the CFPB for the blocking of this information.