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

This is the 2nd phase of my on going issue with Citi Bank. Original complaint # XXXX, XXXX # XXXX it got worse since I file that complaint. 

Since I use the Costco Membership VISA Citi Bank credit card often and it has a low credit limit I want to pay it off sooner than my due date which is around the XXXX of the month. I have been an Executive level member of Costco for around 11 years. 

I called them using their XXXX number and they said my statement balance was around {$1500.00}. I made a payment early so I could continue to use their credit card without them telling me I was over my credit limit and then the card would be declined. I was shocked when I talked to a customer service rep that told me paying early wasn't going to happen and the check would be held until the due date. XXXX!!! I am being punished for paying early to keep from going over my credit limit and having any future charges declined? Insane!!! Guess they didn't like me filing the original complaint to me. 

Then in early XXXX I went to the bank to cash a small check and was told I had nothing in my checking account to cover that amount. I had thousands in my checking account and I wasn't able to cash a {$300.00} check? We made some transfer of funds form my saving account for the immediate action to cover any outstanding checks and I drove back home. 

Someone from Citi had tried on three consecutive days in XXXX to get almost {$4000.00} from my checking account without my permission or authorization. XXXX amount was {$1900.00} then the next day over {$1600.00} and change and the XXXX day was for {$26.00} and change or so. 

Yesterday I called CIti Bank to find out why they claimed my statement balance was almost {$6000.00}. They couldn't answer the question as to what happened to my early payment of aro9und {$1700.00} as it seemed it hadn't been credited to my account ever I disputed this excessive statement balance as there was only a few days between my early payment and their unauthorized attempt to take money form my checking account. Bounced checks and credit rating can be the next result effected by this action from Citi Bank. They admitted they attempted to get these` three days amounts but claimed they received no money in payment form my XXXX XXXX . Now we know who was responsible for this illegal act. 

No way I went from paying {$1700.00} early for them to claim I owed them almost {$6000.00} in that short period of time. 

I wasn't able to use their credit card to make a gasoline purchase at Costco or even buy a {$1.00} hot dog and drink for dinner Friday night. I had to drive to XXXXXXXX XXXX XXXX to gas up to get back home..50 miles away on a Friday night. 

As I suggested these credit card companies need to be streamlined and monitored for excessive mistreatment of their customers especially when their card is the only one Costco authorizes to use at their stores. They recently changed the company credit card for their members in the past few years. I wonder how many other Citi Bank Costco Club members have similar issues as I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified both XXXX  and Equifax that the XXXX account that is reporting on my credit file do not belong to me. This account was open as a result of identity theft. Please assist me in getting this account removed from my credit file.
Product: Debt collection

I received a letter from a debt collector saying i had a debt of utility bills of XXXX XXXX  and pay off the bill about a month later. I was staying in XXXX  on XXXX and a funded XXXX  XXXX  but on XX/XX/XXXX my funding was discontinued and i had to leave XXXX  and stayed with my relatives in XXXX  XXXX. Interestingly, now i am again a funded XXXX  XXXX  in XXXX  and on XX/XX/XXXX i received a letter about the debt and after accumulating the money, i paid of the debt on XX/XX/XXXX. 

However, the debt collector report this to XXXX  but not to XXXX  or XXXX  and because of the report i am denied to receive any other credit card. I had an experience of financial hardship which delays the payment but i paid this off eventually. 

Since, i was not informed before and paid of the debt soon after receiving the letter about debt, i would request to take this collection account off from my credit report.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate such as addresses which I have never lived. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the or the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following item from my credit report, immediately : Address : 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: Checking or savings account

XXXX  place a levy on my account that should not have occurred. Called XXXX and they lifted the Levy. My bank imposed over {$250.00} in fees related to this because it caused my account to become overdrawn. They did not act in my best interest and still are acting maliciously. Even after calling them to find a resolution they continue to impose overdraft fees even though I never signed up for overdraft. They refuse to speak to me and now their collection department is harassing me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX XXXX failure to conduct proper investigations. 

Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 



As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C.

1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : Conduct a thorough reinvestigation of the following disputed accounts or items : SANTANDER CONSUMER USA, XXXX, XXXX, XXXX XXXX XXXX. 
Provide me with all documentation used to verify the accuracy of the disputed information. 
Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification is enclosed to facilitate your investigation. 

If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Student loan

At the time I obtained the loans for school I was young and didn't have any guidance about credit and I didn't know how credit could impact my life.
Product: Credit reporting or other personal consumer reports

The following information is fraudulent and doesn't belong to me.

I demand immediate removal and blocks from these accounts and future reporting.

1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately.

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt-that is, the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original docurse and wet signature if you cant provide these items Delete them.
Product: Credit reporting or other personal consumer reports

This account is inaccurate it is reporting inconsistently across bureaus. Experian and XXXX are reporting inconsistent account numbers this account could belong to anybody. If the information is coming from the original creditor the information should be consistent across reports. We can not say this account is accurate. Youve failed to investigate this account properly and your neglect has violated my rights. I am demanding deletion of the following account : XXXX XXXX  - XXXX
Product: Credit card or prepaid card

I've recently went through a significant reduction in income due to a re-organization at my employer that resulted in me having to accept a position with lower pay. This has put me in a tough position financially and I am unable to make ends meet. 
On XX/XX/2018 I called USAA to ask for help with regards to a financial hardship program. They stated I did not qualify because I was not past due, and to call back when the account was past due. on XX/XX/2018 I called back as the account was now past due but they advised me that I still did not qualify and were unable to tell me why. I am extremely frustrated as I am trying to not let my finances spiral out of control but without a little bit of cooperation from my creditors I will not be able to continue to hold it together and make my basic living expenses. I have cut down drastically on my unnecessary financial expenses and I am still barely getting by.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since last month I received a notice that strange movements were being done in my account and in my daughters case she went to the bank and they told her that she received a card ( which she never got ) and spent XXXX dollars. 

We went to the wells fargo bank to fix it and set a report of the fraude and first a very rude man over the phone, and then they said they were going to report it I believe near XX/XX/XXXX, today XX/XX/XXXX we went and they said they dont have any report even when we did set a report. Still by this time no investigation has been done about who stole my money with a card that I never got and also my daughters case the same, she never got a card and the bank claims we spent that money when they still havent proved that we got that card. They dont help us and we need help.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've contacted National Credit System for 3 months prior to a previous certified letter I 've sent out a month ago pertaining to a fraudulent account on my credit report by the name of National Credit System and   XXXX    have failed to assist me with this situation and have caused a great deal of problems to me and my life. Both companies are failing to respond to my letter and have n't sent me anything to show me that they took the proper steps to verify any documents or signatures pertaining to myself. This is an error and it is fraudulent which breaks many laws in the FCRA. I was never contacted at any time when these accounts was open so I do n't know why they continued to report and verify an account that is n't mine. I received several thereatning calls from the creditor and I do n't think thats professional and I do n't want this company to contact me anymore by phone or email.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$580.00} ; XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$580.00} ; XXXX XXXX  ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

The site " XXXX '' is a self service debt collection platform. It is owned and/or affiliated by Fidelity Capital Holdings , Inc ; Fidelity Information Corporation and other corporate obfuscations. I received a " Collection Notice '' as initiated by the " Creditor '' ( XXXX XXXX ) dated XXXX XXXX, 2017. The letter was generated by using the " XXXX '' website that allows virtually ANYONE to report a consumer debt, in any amount. The letterhead of the Notice states the company name " Fidelity Information Corporation ''. This creditor using this Debt Collection agency 's online site by a means of extorting or " ruin my credit '' and is being allowed willfully by the Debt Collection Company. There is NO oversight for consumers by this website. Virtually ANYONE and WITHOUT a court ordered judgment or social security number, can make grotesque claims of debt owed and impair a consumer credit report and score. This creditor is demanding I remove an online review or " suffer '' credit consequences at an amount that is severely overstated. It is outlandish and should be in violation of the law. The CFPB has yet to provide ANY oversight to Debt Collectors that allow anyone ( John Q Public ) for a fee, report ANY debt amounts, including fictitious, that is ONLY validated by the any creditor ( individuals, businesses, anyone ) that can be used to perpetrate extortion! This is no oversight.
Product: Vehicle loan or lease

My loan is almost paid off, I only have one payment left which was deferred during the pandemic. During the time Ive had my loan, it appears the company is pyramiding my late fees. They are charging me additional late fees when I pay only my principal and interest and not the late fees assessed. This has made it more difficult to pay my loan off in a timely manner. They have consistently threatened me with repossessing the vehicle when I am not more than 30 days late and only owing late fees not principal and interest. The acts of this company are unfair and deceptive as they do not disclose all the fees up front, and are never clear on what is actually owed. In addition, they are charging a daily interest that was not disclosed in my contract. They have also sent me other customers personal information in error. When I made them aware of this, they said its not a big deal, just delete it.
Product: Debt collection

I have a letter from their attorney, XXXX XXXX, XXXX dated XXXX XXXX, 2023 saying the debt was paid in full. They also returned a payment I sent saying it was overpaid. 

I have so much on this company and how unprofessional and unethical they were at handling my account. It would be impossible to list everything I have done to notify authorities that they have totally mishandled their methods of selling and installing said products. 

I just want the correct information reported to the credit bureaus as it negatively affects me. All accounts with this company were paid as agreed upon. 

Thank you for your assistance.
Product: Money transfer, virtual currency, or money service

On the XX/XX/year>. I sent {$1500.00} through SENDWAVE. to family member to settle school fees, and unfortunately, the last four digits of the account number mess up. So, l called the company what has happened, and l was asked, by the representative, do want the money to be reversed and I said yes. So, l was given 30 days before it can go through. After 30 days, l called the company and l was told that, the money had reached the recipient account. So, l sent my brother to make complaint to the local bank called XXXX XXXX from XXXX. According to them, they saw it, so the transaction was cancelled, so they told SENDWAVE. Up to date any time l call them they give me different stories.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive recently checked my credit report and I am deeply saddened and XXXX XXXX  as of lately due to the uncomfortable situation im in in regards to the inaccuracies and errors on my credit report.Under 15 usc 1681 ( congressional findings and statement of purpose ) ( a ) accuracy and fairness of credit reporting. Everythingthe credit bureaus furnish must be 100 % accurate period.
Product: Checking or savings account

Hello I am a customer of Bank of America for a very long time. I added my daughter as a XXXX recipient and was sending her money. Total of XXXX was taken from me from a fraudster who had the same number as my daughter but one digit was off. I understand XXXX is like cash but I tried to reach the fraudster and Bank of America told me there was nothing I can do because of I added the number myself but I literally lost XXXX on XXXX to a fraudster. I am XXXX XXXX XXXX and XXXX speaking and not tech savy and this was horrible
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account Info Account number - XXXX Balance - {$27000.00} Account status - Open Date opened - XXXX XXXX  XXXX Account type - Auto Loan This is a fraudulently opened account XXXX XXXXXXXX XXXX XXXX Account Info Account number - XXXX Balance - {$20000.00} Account status - Open Date opened - XXXX  XXXX, XXXX Account type -Auto Loan This is a fraudulently opened account XXXX XXXXXXXX XXXX XXXX Account Info Account number - XXXX Balance - {$24000.00} Account status - Open Date opened - XXXX XXXX XXXXXXXX Account type -Auto Loan This is a fraudulently opened account XXXX Account Info Account number - XXXX Balance - {$8400.00} Account status - closed Date opened - XX/XX/XXXX Account type - charge This is a fraudulently opened account XXXX XXXX XXXX XXXX  / XXXXXXXX XXXX XXXX Account Info Account number - XXXX Balance - {$680.00} Account status - closed Date opened - XX/XX/XXXX Account type - collection
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the XXXX credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX ( Original Creditor : 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
Product: Bank account or service

I ca n't transfer money out of my discover bank account. Instead, discover allowed a wire transfer to the same account and routing number. 
THe account and routing number is correct but the bank will not let me transfer my cash.