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

I received a notice last week that my Citibank checking account was being closed. I got in touch with them and was told by a customer service rep that once my account had a positive balance it would be active again. My direct deposits had stopped due to being laid off from work due to coronavirus. Seeing as the customer service rep said the account would be active when it had a positive balance I took no further action. The reason for my inquiry on the account was due to the fact that my government stimulus check was going to be deposited into the account. It had a negative {$130.00} balance so after being told what I was told, which I have documented, I thought the stimulus money would cover the {$130.00} negative balance and I would have {$1000.00} for myself to feed my family on. The day that the stimulus was to be deposited into my account I checked it and it went from the negative {$130.00} balance to a {$0.00} balance. Then it said account was closed. I contacted Citibank and I was told that they could see my money was there and for me to call and they would reopen my account. Now, over the course of 3 days and communicating with 6 different customer service reps, 3 of them have said they can see my money is there but that they cant open the account. A fourth customer service rep told me that they would mail me a check for the {$1000.00}. Then the last customer service rep I talked to told me that my money had been sent back to the IRS, which is a lie also. I do not mind paying them what I owed for the negative balance but, I had been waiting on that money so I could provide for my family and they turn into monsters and decide that they are going to hold my money hostage. All of this has made me XXXX  as a man that cant provide for his family does not deserve to live. Its been lie after lie after lie. How could they, and would they, close a mans account on the day he is to receive such a deposit into it as this stimulus money was to be and for what it means to him and his family. They said that when a account has a negative balance for so many days it is then closed. Well they couldnt give me one more day in order to receive that money? And seeing as what familys all across this country are going through. Now, I cant get ahold of anyone and do not know when or how I am going to get access to my money in order to feed my family. Citibank are monsters!!
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am not able to access my funds on coinbase/XXXX since XX/XX/2017.

I tried contacting their customer support on phone. The Coinbase customer service representative on phone was not able to help me access my account.

They asked me to verify myself using their ID verification service, which is not working since XX/XX/2017 as per their status website XXXX. 

Coinbase Case # XXXX.
Product: Debt collection

Send Company a validation of debt communication XX/XX/2019, certified. Did not receive validation of debt but did receive a communication XX/XX/2019 stating that 30 days was an insufficient amount time to properly investigate this dispute. Accordingly they would cease collection efforts, yet never delivered validation of debt continued to report to the 3 bureau 's and have yet to indicate consumers disputing of the debt. 
Numerous FDCPA violation
Product: Mortgage

Corelogic XXXX XXXX XXXX XXXX XXXX, California, XXXX ( XXXX ) XXXX I am a customer of XXXX and Corelogic incorrectly labeled my account in tax default causing XXXX  to incorrectly add an escrow account to my mortgage and XXXX applied an escrow fee to my mortgage payment. 

I called seven times to try to resolve the issue and they would not discuss the issue they kept saying that they received a delinquency notice from the XXXX XXXX XXXX XXXX. When I asked about it they confirmed none of them actually saw anything from XXXX XXXX it was an internal document ( from Corelogic ). 

I contacted XXXX XXXX the XXXX XXXX XXXX  who confirmed that she did not send any notifications to XXXX and that Corelogic was a service company that monitors the tax status of the mortgage. XXXX confirmed that she received a check from Corelogic but rejected it because I had already paid the bill on time and there were no taxes due. I made numerous attempts to resolve this with XXXX but they would not listen and kept saying the property was delinquent when it was not. They kept saying they got delinquent notice from XXXX XXXX which they did not. 

I have attached copies of the tax bill and proof of payment showing the account was never delinquent or past due and never has been in the 32 years that I have lived here. The Tax bill is due XXXX XXXX but they offer a discount if it is paid early by XXXX, Corelogic labeled any account not paid by XXXX XXXX in default triggering the creation of Escrow accounts. I emailed the attached proof to XXXX on XX/XX/year> and I received a confirming letter XX/XX/year> that the Escrow was cancelled and they still drafted the incorrect amount from my bank.

I have attached the following : Tax Bill Proof of Payment email from Tax Collector Rejected Core Logic payment Letter from XXXX cancelling the Escrow account
Product: Credit card or prepaid card

In regards to the previous claim, CFPB should not close the case as the problem is not solved, I would not accept the decision that the company had responsed. 

Several bad practice had came to me by the company : 1. The company only contacted me once, and I missed the phone call, this is pretty common and the company should call for the second time at least, as other banks do, but they don't, kind of abnormal. 

2. Their wording " reserve the rights to close the account for any reason '' is a type of bully behavior as they can always make up the terms good for them and we consumers can only eat it. If it does not affect me who will want to use your credit card for the bank can that easily close a customer 's account. Closing my account had reduced my well established credit line and causing the credit score to  change, also, affecting my financial plan. 

3. In their response they played with the wording " return check could mean different things '', but in my account it literally just because I don't have enough money in my account, by accident, and no dishonest behavior to the bank as I made it up right away. The bank had no loss, but I had a great deal. 

4. Please noted, such odd term of closing your account had never been communicated before, don't tell me you wrote it somewhere in the card agreement with a billion words, you can write everything in, you can also made things up. I'm only talking about if this term is acceptable or not. 

5. Even this is a critical term which you guys believe, it should be communicated the first time I had experienced a returned check, by saying something like if second time your account will be closed, but I did not receive any notice like that. 

6. In general, I tried to fix it and make up the payment by using other resources right away after I noticed a rejected payment, my attitude towards the issue is very serious, but the bank is doing nothing on our communication and even on the response of the CFPB complaint, they just explained the same thing and nothing had really been investigated and they don't check if their way of doing things are fair enough. 

7. I had a total of roughly 10~15 credit cards open and had no issues with them ever, similar things happened before, other banks may charge you a fee rather than closing your account. I have a well-established credit line with no late payment ever, and that's me experiencing a bank incredibly closing my account. My great credit profile had turned this banks behavior into a joke ....
Product: Debt collection

I received a letter on XX/XX/XXXX from Meridian Financial Services, a collection agency demanding a debt to be paid in a total of {$16000.00}, which was owed in XXXX from the original company XXXX XXXX XXXX XXXX XXXX XXXX in Florida, which I don't remember that I ever purchased the time share membership. Meridian Financial Services has filed a lien with my credit bureau for such amount. 

I has filed the dispute with Meridian Financial Services that I do not owed this money and asked the company to remove the lien from my credit but they refused.

I am also curious if the debt owed in XXXX that has reached the Statue of Limitation law ( assuming if this debt does belong to me ), does the collection agency violated the FDCPA and Statue of Limitations laws?

At this point, I'm contacting a local attorney who is specializing in FDCPA law to take care of this, but I don't really like that I have to pay for the attorney fee for debt that I do not owed. Any comments or suggestions are greatly appreciated.
Product: Checking or savings account

I opened a Discover checking account around XX/XX/XXXX, and they decided to close it on XX/XX/XXXX for " suspicious activity ''. I did absolutely nothing wrong, and now they won't return my money for 60 days. I can not wait 60 days, who can? I called everyday between XX/XX/XXXX- XX/XX/XXXX, and no one could help me get the money faster or even an explanation as to what happened. Someone told me I would receive a letter in the mail stating what happened ( implying it would come before my money ), but then someone told me today that letter would not come until my check came with it.
Product: Debt collection

Credit Management LP, XXXX XXXX XXXX, XXXX Tx XXXX, furnished derogatory information which does not belong to me to XXXX. This information is now included in my credit file and damaging my credit score On XX/XX/XXXX, I received a copy of my credit report from XXXX credit reporting agency. That report included the following information, furnished by Credit Management LP : Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classifications : Cable/Cellular Original Creditor : XXXX XXXX Account Owner : Individual Account Original Amount Owed : {$210.00} Date of 1st Delinquency XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owed : {$210.00} Last Payment Date : Status Date : XX/XX/XXXX Status : D-Unpaid That information does not belong to me. It belongs to my son XXXX XXXX XXXX XXXX. This account was initiated while he resided in XXXX Ga. I have never lived in XXXX and this is not my account. I had previously spoken with XXXX and Credit Management upon receiving a collection notice at my residence in reference to this account. They assured me that the account would be annotated correctly to reflect my son. I am disappointed to find this information is now in my credit file and damaging my credit. There is no way a mistake of this magnitude should happen. This account should be under my sons SSAN.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX TYPE : XXXX XXXX DATE OF INQUIRIY : XX/XX/2021 XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report and notice some inaccurate accounts reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, 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
Product: Debt collection

AARGON COLLECTION AGENCY is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$130.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft
Product: Debt collection

On XX/XX/year> Bank Of America debited XXXX from my personal bank account for a a business credit card charge off. There was no notification or verification of the debt. I am was never told that a business debt could be taken from my personal account which has nothing to do with each other. Asked why and they said they had the right.
Product: Checking or savings account

My name is XXXX XXXX and my social security is XXXX. My account number is XXXX. I hope that someone at Bank of the West can please help me close my account properly and send me a cashier 's check for XXXX as soon as possible. This money was a lifeline to help my business and I out during this difficult time and to be completely honest I really could use the help. The thing is I understand that my account was a personal account but I have a business account at XXXX Bank and I was in the process of transferring the funds from my bank of the west account to XXXX account number XXXX and routing number is XXXX. When I applied for the loan I didn't have my business account finalized so I had to make the choice of using my personal bank of the west account or not have my paperwork in on time and miss the opportunity of getting the loan. I was hoping you would be able to transfer the funds to my business account since you are closing my bank of the west accounts. If you can not do that then If you can please let me know when the cashiers check will be mailed to me as I am really trying to make sure this happens as soon as possible. I really appreciate your help in advance. I hope this complaint gets to the right department as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing my name as formerly known as XXXX. This version of my name is incorrect and as a result of my former boyfriend, XXXX XXXX of XXXX XXXX California, from opening an account over the phone in my name and not filling out the paperwork correctly as the signature line for Zales should have shown as PHONE AUTHORIZATION and instead the signature line was forged by him to represent my name but in no way was signed by myself. I did however give a verbal phone authorization but none of the terms and conditions were read over the phone. 

This is a data processing error and was incorrectly transcribed on the credit application with Zales and should invalidate the request for a credit line. 

Please delete this version of my name from your records.
Product: Credit reporting or other personal consumer reports

I am reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding the following accounts. I have contacted all the companies directly and followed the necessary steps to address this issue. I filed an identity theft report with the FTC and have informed all the companies involved. Now, I am disputing the information that should not even be appearing on my file. Please assist me in resolving this matter promptly. 

XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX the Wayfair site had an invitation for a Wayfair Comenity Bank credit card WITH AN ASSURANCE THAT IT WOULD NOT NEGATIVELY AFFECT THE CREDIT RATING AND THAT THERE WAS NO HARD INQUIRY. I was APPROVED FOR THE CREDIT CARD AND WAS THEN ASKED TO CLICK THE BOX FOR THE CARD. 
The predatory invitation concealed the fact that Comenity Bank then proceeded with a hard inquiry which remains on my credit report today. Comenity Bank is responsible for the inquiry and gives a defensive canned response that the consumer agreed to the inquiry which is not the case. Comenity Bank works with Wayfair and thus solicits consumer credit card applications conceal the fact that a hard inquiry will be done after the faux approval for the card and faux guarantee that there will be no hard inquiry. This is predatory practice and should be stopped. In the interim Comenity Bank needs to remove the unauthorized hard inquiry on my credit report that will stay on the report until XXXX and does affect my credit.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX XXXX has violated my rights. 15 USC 1681 section 602 states i have rights to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

The response they sent back STILL violates these codes listed above please read 15 USC 1666B. Please REMOVE ALL LATE PAYMENTS
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer, and I am aware of my rights laid out by the FCRA. Im aware that you as a consumer reporting agency must maintain accurate records at all times and across all credit reporting agencies on consumers files. 
Please investigate the completeness of the account listed within my consumer report that you maintain under my name and update my report with your findings within 30 days of your receipt of this dispute notice as per FCRA guidelines. 

I have attached screenshots of the erroneous information within my report for this account. Please complete this account within 30 days and forward me the results. If this account can not be verified, please UPDATE TO PAID AS AGREED AND COMPLETE ERRONEOUS DATA POINTS within my consumer report. 

ACCOUNTS : XXXX XXXX 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 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home. 
Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain maximum possible accuracy. If these standards are broken then liabilities can arise.

Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now.

I have attached the erroneous account ( s ) in question. This account ( s ) needs to be UPDATE TO PAID AS AGREED AS I WAS NEVER LATE FOR THIS ACCOUNT AND UPDATE ERRONEOUS DATA POINTS due to inaccurate information reported within my consumer report if it can not be 100 % verified/validated within 30 days of your receipt of this dispute notice then it must be corrected. Failure to do so could constitute willful non-compliance by your agency.

Please CHANGE TO PAID AS AGREED AS I WAS NEVER LATE FOR THIS ACCOUNT AND UPDATE this erroneous, inaccurate information on my consumer report within 30 days of your receipt of this letter if this information can not be made complete. 

Thank you for your rapid response in this very important matter, XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX is supposed to be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple closed accounts on my credit report which are 7, 8, 9, 10 and even 11 years old which are closed out. Most are from XXXX and Department of Education. I have filed complaints about all three of them I have directly contacted all three of them and filed complaint and this information never goes away. The accounts are closed or they have been Consolidated into different loans so they no longer exist and they Continue to update but they are not removed one of them is even twelve years old.
Product: Credit reporting

Hello thank you for taking time to review this letter about credit reporting agency. Equifax I pulled my credit to discover a XXXX, XXXX, XXXX score with Equifax , due to hospital bills that should have been processed and paid by the XXXX insurance. This has been reporting error ever month making my credit score delinquent. There is a fee of XXXX and XXXX that should have been processed by the secondary. this was never sent in by the provider until XXXX XXXX. This has been reporting delinquent for sometime. XXXX account for {$100.00} since XX/XX/XXXX that should have never been reported in the first place. please see previously recoded report # XXXX I contacted the vendor XXXX with no success. I am requesting your help with Equifax to report the correct information as well as requesting all of the points that were taken from me in error. 
any assistance that you can provide would be greatly appreciated. 

Thank You
Product: Credit card

I submitted a dispute related to a charge. I received notification that the dispute was resolved in my favor and closed. Several weeks later the dispute was reopened and more information was requested because the merchant has responded and contested the dispute.

( I had already received notification from the merchant that they would refund the charge, but they have not refunded the money )