23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am the XXXX XXXX-in-fact under a Power of Attorney that Citi 's Office of the President accepted. When I received instructions on sending the POA into Citi, I was informed that I should call back to receive online account access to the credit card account, thus enabling me to watch, oversee and manage the account, as necessary. Indeed, it is necessary because the principal has XXXX and lives 150 miles away from me. I need the ability to monitor spending and payments and, if it becomes necessary, to lower her limit or close the account. 

My name and status as POA was put on the principal 's credit card account ( s ), as requested some time in late XX/XX/2018. However, Citi will not let me have online access when I tried to obtain it today, XX/XX/18. The POA grants me full authority over the account. By its terms, I can close, open, modify the accounts of the principal. Indeed, Citi acknowledges that I can request a decrease on the limit and that I can close the account.

What I CAN NOT do, according to Citi, is get online access to the account activity and maintenance features because - wait for it - I don't have the 3 digit security code on the back of the physical card. I can't get that for a few reasons, not least of which is b/c the principal is XXXX miles away, and b/c she is constantly losing her cards bc - wait for it again - she has XXXX. 

So, I go to all of the effort to write to the Office of the President, spend hours on the phone today getting authenticated in the worst process you can imagine, and try to get online access, and even though I have all legal rights to conduct business relative to the account, Citi won't let me have online access. I was told twice that, " oh, the principal account holder needs to give you access to online account information. We can't let you have online account access without the principal letting you. '' Are you XXXX  kidding me? This is contrary to the intent and authority of the POA. 
It defeats the purpose of the POA. Further, Citi would rather that I use the POA to close the account than give me online oversight of her usage? How is this legal?
Product: Checking or savings account

On XX/XX/XXXX my check card was cut off by Wells Fargo for any use for one year. Ive never bounced a check or done anything to warrant this. They refuse to give answers the ironic part is i disputed a merchant charge and on the same way i was awarded the dispute the bank Revoked my ATM card from year which is essentially closing my account. This is fraud and should be stoped
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX was paid in full and refuses to remove me from the credit report they were not only paid they made between XXXX to {$3000.00} in interest and agreed to the settlement I want them to remove the negative from the current credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Debt collection

Amsher Collection Service Amount : XXXX I am writing to follow up on my original Debt Validation Request letter sent on XX/XX/year>, regarding the alleged debt associated with this account. As of today, I have not received a response from your company, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ).

Under the FDCPA, you are required to provide verification of the debt within 30 days of receiving my initial request. Since you have not done so, I consider the debt to be invalid, and I request that you cease all collection activity on this account immediately an deleted from my consumer report.
Product: Debt collection

XXXX XXXX from the company called my husband 's phone on XX/XX/2019 and said she was calling from Receivables LLC and looking for me because I had applied to a job opportunity. She falsely represented herself. He asked XXXX what position did I apply for and she responded by saying it was a receivables position. She requested that my husband put me in contact with her. On XX/XX/2019, XXXX also went on my LinkedIn account and viewed my profile. They called my phone on XX/XX/2019 at XXXX pm, two times at XXXX pm, and XXXX pm. They called me on XXXX XXXX at XXXX am and XXXX am. They called me on XX/XX/XXXX at XXXX pm and XXXX pm. The communication tactics they are using are repeated phone calls. I asked them to stop the harassment calls, but they called me again on XX/XX/XXXX and the collection agency was abusive and kept talking over me. She also threatened to damage my credit by reporting the alleged debt to the credit bureaus. They are attempting to collect on behalf of XXXX for a debt not owed due to agreed upon balance with XXXX was paid in full with another collection agency. Now XXXX is asking for more money through this collection agency.
Product: Credit reporting

hi, i just check my credit report 2 days ago From Equifax and i find a collection charge in the amount of XXXX dollars, From '' XXXX XXXX XXXX '' this charge does not belong to me and also an account from XXXX XXXX does n't belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite several written requests, the unverified bankruptcies listed on my report still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a COPY of the ORIGINAL documentation on file to verify that this information is mine and is correct. Your company have not sent me any documentation that verify the information they are reporting. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Your company have said the courthouse verified the public record which is a lie, I contacted the bankruptcy court and I sent a letter directly from the courthouse stating they do not verify with 3rd parties. Which I have attached to this complaint. It is also illegal to report inaccurate information on my report that has not been accurate verified. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ). Your company have failed to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my credit report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX XXXX and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file.
Product: Debt collection

southern collection systems have contacted me twice before XXXX XXXX, regarding a debt for XXXX. The first time they called at exactly XXXX XXXX pst and left a voicemail which registers on my phone at exactly XXXX XXXX. I requested the next time I spoke with them not to call before XXXX XXXX. However, they called again on XXXX XXXX at XXXX am.
Product: Debt collection

In XX/XX/2019 I was a victim of identity theft. Accounts were opened up in my name at XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX ( how I do not know since I would expect this to have required some identification ). I received a XXXX alert and followed-up with each merchant to alert them of the fraud. I spent hours on the phone with each of them and thought I had this resolved ( submitted various paperwork if requested, some were far easier to deal with than others ). Apparently the fraudulent account at XXXX was referred to a debt collector and continues to show up negatively on my credit report, three distinct times. I have responded in writing and over the phone but have never been successful in having this removed. Southwest Credit Systems refers me to XXXX which refers me back to XXXX in a viscous cycle.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I sent a dispute to Equifax regarding a collection account with XXXX XXXX XXXX that is being illegally reported on my credit, and they closed my dispute while allowing the illegal activity to continue. 

In the info I send to Equifax, I included copies of the documents I sent to XXXX XXXX proving they are violating my rights as a consumer under the Fair Credit Reporting Act by ignoring my request for validation and " terminating the dispute '' without any proof that they have a legal right to collect the alleged debt. 

With all the proof that shows that XXXX is in violation of the FCRA, XXXX   still did not delete the account. 

XXXX has not validated this debt per my request and I have NEVER received any documentation from this company until AFTER I contacted them because I found them on my report. I never received a dunning letter from them nor any proof this is my debt, as requested. 

This account needs to be deleted immediately as it is in violation of my rights.
Product: Credit card or prepaid card

La Curacao LLC Fail to update their internal file and keep this balance on my account., account that was included on a XXXX XXXX back on XXXX, Just recently in XX/XX/XXXX I tried to open a new account just to find out that this balance dating back to XXXX with this amount pending the sales send me to their collections department. A Department who doesn't respect or ignore any rights consumers have according to the FCRA and the CFPB., After some back in fort. And an Overheated conversation with someone.in collection department XXXX XXXX with Phone Number XXXX who said is the Person in Charge of Reporting and Finally XXXX Agreed to Remove such balance only after this action I was able to apply for A New Credit Line in La Curacao just to find out that I Got Discriminated Base on Their Experienced with this Account. that they Failed to Update based on the Bankruptcy Previous Filed., Adding to., or justified. my Complaint of Discrimination my XXXX, XXXX, & XXXX XXXX, & XXXX scores at the time of my Credit Application got Acceptable Scores and Yes, La Curacao LLC Decided to Use the Lowest of my Score not the Actual Combined Score That another. Creditor with No Intention on Discrimination will use. I Just Want to Add that LA Curacao XXXX is Been subject. to Legal Lawsuits at the present Time and the Past Lawsuits Not Limited to Discrimination and Consumer Abused that the Ca Controller is Fully Aware of their Illegal Proceedings La Curacao LLC Does Not Deserve to Stay On business Since they only Due Harm to the Business Community Please Help Us CFPB with La Curacao LLC and Stop Them once and for all Thanks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1.In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have rights to privacy. 15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 2. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XX/XX/2020 Business Type : Automobile Dealers, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX ( has violated my rights. 15 U.S.C 1681 section 602 A. States I have rights to privacy. 15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish an account without my written instructions. ( My Accurate Name Is XXXX XXXX XXXX ) There using an Inaccurate Name/Similar to mines please delete and update
Product: Money transfer, virtual currency, or money service

PNC is not letting me access my funds through XXXX. I get notified via email every time an attempt to link the account is made, but it does not get linked in any way. Kindly look into the matter.
Product: Checking or savings account

I have try a fruad ach claim i been wait a week file both claim i dont get refund I need full refund
Product: Money transfer, virtual currency, or money service

They lacked any sort of customer service features and after I tried to resolve the issue, cashapp failed to act in a timely manner overall leaving my account vulnerable and unprotected.
Product: Credit reporting or other personal consumer reports

I submitted CFPB complaint regarding XXXX XXXX and Transunion XXXX for the accuracy of the information being reported on my credit report by XXXX XXXX Services. I provided dates of all the discrepancies and consistent errors over the past 3 years. I then requested the record be removed from my credit report due to the damage it continues to do to my credit worthiness. 

I am entitled to a fair investigation into the disputed information under Section 623 of the Fair Credit Reporting Act ( FCRA ), aiming to correct errors and ensure the accuracy of my credit report. 

Both Transunion and XXXX continues to violate these rules. The willful non-compliance and FCRA violations of Transunion and XXXX are causing significant harm to my financial well-being. An investigation was not completed to determine the errors. An investigation was completed to determine if the account was valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the inaccuracy of an bankruptcy that was on my credit report with all 3 credit bureaus. XXXX was the only on deleted the inaccuracy from my credit report. XXXX and Equifax are still reporting it as being verified but want state how they are verifying it. I have disputed it several times with my lastest being XX/XX/XXXX. I tried again in XX/XX/XXXX but they are not letting me dispute again and keep saying it's verified. This is the message I keep getting from them : " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I have been going back and forward with them about this for the last 6 months. On both of my credit reports it shows no numbers or account numbers to even verify the information so how is it even being verified as they are saying.
Product: Mortgage

i am XXXX XXXX, legally mortgage is still under with me & my father. but i not living to the said address because i just started a new chapter in my life. I am just concerned with my XXXX who literally they owned the house. They suffered from flood to their basement. And my XXXX cancelled the assumption over the phone with XXXX on XXXX. Due to unexpected expenses to their basement. So she is behind with the mortgage. It was only done for construction yesterday XX/XX/22. She applied for Payment Plan today XX/XX/22 but unfortunately. XXXX XXXX found that she has active assumption application. So, she thought everything is on the proper places and i. the same page. And we got a letter from them that theyre willing to help us, why now, they giving her a hard tine to get approved from payment plan. XXXX said to her that 30 days before it will be updated to their system regarding assumption application to be cancelled. and it might be worst, if we still need to wait for 30 days. And we are supposedly got a payment plan but XXXX XXXX doesnt allow him to file on his system. 

we need help to mske this thing straight and informative
Product: Credit reporting or other personal consumer reports

Despite my repeated efforts to resolve the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The continued presence of these items has severely impacted my life, causing considerable stress and XXXX. I must stress again that I did not authorize or consent to the inclusion of this information, as I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made several attempts on XX/XX/2021 via phone to dispute inaccurate information on my Credit Report as reported by Experian. However, Experian is refusing to accept my dispute and investigate the issues with my credit report. I was reviewing the information that was provided to me by Experian being a member and saw that there were three different credit inquiries on my credit report that I did not authorize. I was told by four different representatives that it is not the responsibility of Experian to accept a consumer 's complaint regarding Experian reporting inaccurate information under their credit report. The representatives I spoke in the order of contact was XXXX, XXXX, XXXX, and XXXX. At this point I am confused as to what a consumer is suppose to do if they see accurate information on their credit report and need to either correct and/or have it removed. At this point I am highly upset with the treatment I have received thus far in relation to this matter therefore I am turning to the Consumer Finance Agency for assistance. Consumers should not be held hostage regarding their credit information the different credit reporting agencies. This is completely unacceptable. Credit Inquiries : XXXX, XXXX, and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is in regard following account ; Alleged Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than 4 business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY.

Attachments : Driver License, Social Security card, FTC Reports, Police Report.
Product: Checking or savings account

I opened a Citi Gold checking and savings account package on XX/XX/2021 and started to make multiple deposits to the savings account. The total of the money after the deposits is XXXX as of XX/XX/2021. Couple of days later, I started to realize that the fund in the account was being held up. It did not allow me to make any use of the fund. I previously made a complaint about this matter. They explained in the response that " a thorough examination of Citibanks records and the circumstances surrounding our decision to close your banking relationship was completed '' and " account will be closed within 60 business days from XX/XX/2021 ''. 

I contacted my lawyer to thoroughly go over the Client Manual for Consumer Accounts that they enclosed in the previous response. There is no place in the document that indicates Citibank is allowed to hold the money for up to 60 business days. 

So my questions are : 1. There is a contradiction in the response they sent out. They said the " decision to close the account is completed '' however, later they said " the account will be closed in 60 business days ''. 
So is the account still open as of today or is it already closed? 
2. If the account is still open, why my money is being held up? 
3. If the account is closed, where is my check for the fund? 
4. Where in the Client Manual for Consumer Accounts allow Citibank to hold the customer 's fund for 60 business days? 

I will continue to work with my lawyer about this matter until I get a fair resolution.