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

I have accounts with Citibank : two checking and one savings account. Recently they have changed their rules and want to start charging me for each of these accounts. They want to charge me $ XXXX for the savings account, and various fees for the other accounts. I am a XXXX XXXX  on Social Security and this will be a hardship for me. I called Citibank and they agreed to cancel the fees for three months but it seemed likely to be reinstated at the end of three months. They want me to have direct deposit into each of these accounts. I do have direct deposit into one of the checking accounts for my Social Security payment and for when I cash in my XXXX accounts, but I then move money around as needed. I keep a fairly high aggregate balance ( right now its approximately {$13000.00} ) but apparently that is not what they want. 

I am a long time customer of Citibank. I got my first account with them XXXX years ago. I added the savings account to encourage me to save. I added the extra checking account so I could do self-employment business and not get it confused with my personal expenses. 

I think this is a lousy plan to charge for services that were provided free of charge until this month. 

I know there is a goal of eliminating unfair fees and it seems to me these fees are unfair and potentially cruel. 

Is it possible to get Citibank to eliminate these additional fees?
Product: Debt collection

This account has never belonged to me! This account is unknown to me. I never entered into any agreement with this account. I should not be held responsible for this account because it is not my responsibility! I have already asked this account to validate this account, but it has failed to do so.
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions + have caused significant inconvenience and financial loss, and I seek appropriate redress XXXX for these violations.
Product: Money transfer, virtual currency, or money service

Coinbase is holding all my virtual balance due to a problem in their database for more than 72 hours. The support service does not answer any email or direct message via XXXX. I think this service could be a scam. I 'm triying to contact support since the incident occured, but no answer : XXXX XXXX XXXX, 2017. They are holding XXXX XXXX. And I got an automatic case number : # XXXX They have a lot of users complainings in their community forums and Coinbase are ignoring us. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute Credit Closed Accounts and Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq.

The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : 1. 15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report.

2. 15 USC 1681i - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. I request a thorough investigation into these inaccuracies.

3. 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed.

I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report. Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  & XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX  & XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Product: Debt collection

PayPal has an open account that I did not sign up for credit with. They used themselves as a default payment when I used another payment method. PayPal auto used subscription I did not authorize after canceling subscription. PayPal listed itself as different names and I had no idea who the debt Iwas actually acused of owing. Paypal sold my debt to at least XXXX company I know of, XXXX XXXX XXXX, now sueing me without prior attempts to contact me. I was served when I was not home and a contractor was at the home. They left it on the porch as XXXX XXXX. I replied to the Answer of the complaint filed against me. I also filed timely during discovery and sent my admissions on time to them and the court. I have email and USPS proof of delivery and date. XXXX XXXX XXXX claimed the lawyer representing them never recieved it and filing to get a default judgement. They have now switch the lawyer. None of this seems legal or makes sense. Especially when I have proof of payment for the few items they listed in discovery. Luckly I have my XXXX receipts with payments through the cards I used. But PayPal claims I never paid it and has it as a a balance owed with the account open even after selling the debt that isn't real. I do not know how to fight this corruption and fraud in court. I also do not have the time or resources. Every time I try the file something new making it hard to respond to motions. They are using the system to get default judgements illegally under the same format that your company sued and won in XXXX. I have no idea what to do and it is ruining my life and making work impossible. Causing extreme emotional stress and loss of time. I am an only parent single father. This seems like abuse of power when I never even had a credit account with them but they created XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union refuses to properly publish and update my correct balances on credit cards and installment loans. They only update when the info is negative and will impact my credit my score negatively and lower my score. Currently I have paid down my balances and have several credit items that will be removed from my report. 

When the info is negative they update every 7 days. Now that my balances are going down they stopped updating and the balances reflected on my credit report are outdated and totally incorrect. 

This is done to intentionally keep my score low.
Product: Checking or savings account

XX/XX/XXXX - I lost my XXXX XXXX Check Card. XX/XX/XXXX - Called to place a hold on the card and order a new card. XX/XX/XXXX - XXXX made me aware that unauthorized activity had taken place on the card and transferred me to the fraud department and this department ensured me that the funds would be recovered. Informed me that the fraud department would follow up with a phone call. XX/XX/XXXX - The fraud department never followed up. The funds were never recovered. I called to see why I had not received a call and was given the runaround. 
XX/XX/XXXX - An agent named XXXX, who was extremely rude called to inform me there was no guarantee that my funds would be recovered and talked to me with very little respect because I did n't file a police report. I explained that I would and the only reason I did n't is because they ensured their investigators were on top of it and I did n't know who to file the report against exactly. XX/XX/XXXX XXXX XXXX XXXX XXXX from the executive office responded to my BBB complaint still refusing to return the funds and telling me the bootleg investigation they did had been closed. When I previously filed complaint # XXXX, XXXX XXXX disassociated themselves with BNY which are supposedly the issuers of the card. So now, I am trying to address this with the proper company. I have tons of proof to be uploaded but it wo n't let me go over 10MB. I uploaded my first call with them but I have 6 other calls that follow to prove their negligence, disrespect and outright lies.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

These disputes have been escalated several times, and I have provided extensive documentation to support my claims. However, despite my efforts and the escalation of these matters, the inaccurate late payment accounts persist on my credit reports. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. I am concerned that despite my continued efforts to resolve these issues, the inaccuracies in reporting have not been rectified. I question why your bureau has not conducted a thorough investigation into the validity of the late payment accounts and failed to provide accurate information on my credit reports. The lack of resolution suggests a deficiency in your investigative processes. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am aware that under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to conduct reasonable investigations into disputed information. I am troubled by the apparent failure of your bureau to fulfill this obligation, resulting in the continued reporting of inaccurate information.
Product: Credit card

I had a Kohls store card. ( unused for years ) I received in the mail an unsolicited Kohls Capital One VISA I was not expecting. The card only needed someone to call in the info on the card to activate. This despite not asking for a card and having my credit locked at all three credit bureaus. 
I called and closed the Kohls account two weeks ago, but am still getting email notifications to activate the card as of today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank declined issuing me a credit card because XXXX Credit reporting agency erroneously reported my death ( Synchrony Bank says XXXX says, I'm dead ', which I am NOT ). I'm very much alive! 

I reported the error to XXXX, XXXX, TX, on XX/XX/2022 ; I also reported the error to Synchrony Bank, XXXX, FL. on XX/XX/2022. 

Synchrony Bank refuses to reconsider or investigate the use of bad information ) ' ; and, it's impossible to reach XXXX by phone ( XXXX has not responded in writting to my alert of wrong information ). 

XXXX and XXXX credit agencies report me as 'alive ', but Synchrony Bank refuses to use any information other than the credit information provided by XXXX. 

XXXX reported my death OR the credit reviewing officer at Synchrony Bank misread XXXX 's credit report ( It's impossible for me to talk directly to a Synchrony Bank credit analyst ). Synchrony Bank sez 'Synchrony can do nothing unless XXXX corrects the erronous information ; Synchrony Bank refuses to use the information provide by XXXX XXXX XXXX XXXX credit rseporting agencies. 

Its a quagmire ; unable to talk to anyone who cares or will correct the misinformation. I am ALIVE - I have other ACTIVE credit cards AND AN EXCELLENT CREDIT RATING ( @/ above XXXX XXXX score ). 

I think the error may result from the death of my wife on XXXX ; but I did not die. I am ALIVE! Did XXXX think the death was mine OR did the loan officer fail to note the difference : my wife died, I did not die! 

The only reason i want a Lowes-branded credit card ( XXXX XXXX makes credit decision ) is to buy a XXXX product. 

Please help, and if appropriate - issues santion/citation against XXXX and Synchrony Bank ( XXXX  decider ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, WY XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax credit information was released to XXXX, even though my Equifax credit report should of had a security freeze on it. From my knowledge when your credit report is froze no information should be obtained until I unlock it. This goes against my personal rights to freeze my consumer report from 3rd party consumers. 

I also had issues with personal information being leaked in XXXX and XXXX of 2021 and had suspicion of my information being used to obtain credit. 

I have contacted Equifax on several attempts to validate records and verify inaccurate accounts and inquires found on my credit report. I have yet to receive a response and it's been 45+ days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. See attached
Product: Money transfer, virtual currency, or money service

This is regarding a scam to sell concert tickets. The seller 's tickets were fake and it was unknown until after the XXXX transaction was completed via my Bank of America account. The major reason I am filing this complaint is because XXXX is presented as part of the banking experience *and* the person I sent the money to is *also* a Bank of America customer according to the fraud department. Bank of America said that I need to wait in a queue to get any headway as far as my complaint being processed. I've been a customer for more than 15 years and all I am is a random account number. To obtain a bank account, you need to be approved. This means the thief 's information is at the disposal o bank of america but they are not very concerned about this. Lesson learned on my end as well : When you get a receipt call XXXX and make sure the email is a XXXX account holder and that the order number in the email is legitimate.
Product: Debt collection

I have XXXX student loans and was unemployed for quite some time. During my unemployment, I had all of my student loans deferred - or so I thought I did. I received a call stating my student loans were 120+ days in default. I explained my situation and they reinstated my deferment however they will not remove the derogatory marks on my credit report.
Product: Debt collection

I have received attached collection letter. 

Hereby I attach my letter of XXXX of the alleged debt.
Product: Debt collection

This company, which I hold no contract nor have received services from, reported a collection account against my SSN in the amount of XXXX with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof that I am not obligated to pay for the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting Agencies continual violation of FCRA 605B. Along with several other consumer protection laws.
Product: Vehicle loan or lease

The CFO was sent a cease and desist letter dated XXXX XX/XX/2023 from sending any paper statement because the original loan was settled through the IRS. The bank instead resorted to numerous phone calls and notice letters of allege debt. This is a violation of 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection.
Product: Credit reporting or other personal consumer reports

I contacted Experian, XXXX, and XXXX to look into these accounts as they are fraudulent, and to no success have I been able to get any help with a investigation. I did receive documents from XXXX XXXX and the card was still for someone else business that is not affiliated with me at all, but they still opened the card. 

I've never even heard of XXXX XXXX, there is no way I would ever pay this amount for something and not know what it is. This is fraud. I have never made a payment to them, yet they say I did and none of these credit bureaus have provided documentation of their investigation. It just says Updated and only the date change. It also says that this account is open but no " imaginary '' payment has been made since 2021. The last red flag was that the monthly payment says {$0.00}, but the account is open. This is fraud and misuse of my credit report. 

I never signed up for anything with XXXX XXXX XXXX XXXX, policy states that I must be married and be at least middle class, but the date they had this open I was on food stamps. I couldn't afford to even qualify for something like this and when I tell them it's fraud, to send documentation. They hang up on me. I still can't afford this and I've never been married. Who is the joint person? This hasn't been disclosed either. 

None of these credit bureaus have done any due diligence in investigating these accounts properly. I would have submitted these with the last complaint, but they were still pending investigation. The last complaint was removed from my credit report and then magically these were completed with Experian. These are shady business practices. I have submitted my documentation and these accounts should be removed from my report. Please help with aiding in this process.
Product: Mortgage

My mortgage is through MidAmerica, but serviced by XXXX. Recently, they sent us a letter stating that they were increasing our escrow portion of the monthly payment by over {$150.00}!! This happened because our property taxes increased and there was a shortage upon paying the property tax of {$390.00}. Upon my learning of this shortage, I immediately paid XXXX the {$390.00}, the same day that I received their letter. I have been trying to call them t discuss this issue. The amount the property tax increased comes to no more than an additional {$35.00} per month, so why are they asking for {$150.00} more per month. When I call XXXX they say to email them. Which I did. I requested that we close the escrow account so I can pay property tax and insurance myself. They sent a letter stating that they could not close the escrow account because our loan to value was more than 80 %. They were basing that off of the purchase price of the home! Our current loan amount is {$290000.00} and our home is worth at least {$560000.00}. Ive tried calling several times, only to be on hold for anywhere from 30 to 120 minutes, with no one ever answering. 
I simply can not afford to pay an additional {$150.00} per month and need to speak to a live person about it. Please help me.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself without any help from a Credit Repair Company. This complaint is to address the erroneous reporting on my Credit Report. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 Credit Bureaus and found that AMERICOLLECT ( Original Creditor : XXXX MISSOURI XXXX XXXX ) was being reported on my credit reported negative on XXXX, XXXX, and XXXX. I have disputed the fraudulent information from my credit report and sent a letter dated XX/XX/XXXX. I have no idea how the theft took place. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus and the creditor but they failed to give me any results or feedbacks about this concern. This incorrect reporting is causing my Credit Scores to drop. These are the accounts that are needed to be removed from my Credit Report : AMERICOLLECT XXXX Date Opened : XX/XX/XXXX Balance Owed : {$50.00} AMERICOLLECT XXXX Date Opened : XX/XX/XXXX Balance Owed : {$50.00} AMERICOLLECT XXXX Date Opened : XX/XX/XXXX Balance Owed : {$50.00} AMERICOLLECT XXXX Date Opened : XX/XX/XXXX Balance Owed : {$60.00} AMERICOLLECT XXXX Date Opened : XX/XX/XXXX Balance Owed : {$20.00}
Product: Debt collection

XXXX XXXX XXXX has violated my consumer rights by reporting an alleged debt to the credit bureaus, This false information is now affecting the chances of me to obtaining a credit card and affecting my livelihood. I never contracted with XXXX XXXX XXXX. XXXX XXXX XXXX never contacted me. I do not owe this alleged debt
Product: Payday loan

My problem is the payday lender is harassing me via phone. I just received a voice mail threatening me to contact her within 24 hours or I 'll be charged with bank/check fraud. I Was given a " case number '' that does n't really exists and told to call a certain number XXXX XXXX XXXX - XXXX XXXX XXXX when she called on an " Unknown '' number. I 'm tired of these people trying to scare money out of people. They need to be stopped!