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

What happened : Ive been trying to close my Citi XXXX Savings account for about six months. I was told the account was under investigation without any clear reason, and despite withdrawing all funds and even submitting a written letter, Citi would not close the account. 

During this time, they have been charging me {$5.00} per month in maintenance fees on a XXXX-balance account. 

Now, the account has disappeared from my online dashboard entirely, and I have not received any closure confirmation, final statement, or explanation of what happened to the account or my funds. 

What I want : I want Citi to : Confirm the status of the account in writing Refund any monthly fees charged during the delay Send me a final transaction summary Provide a formal closure confirmation Company : Citibank , N.A . 
Product : Savings account Issue : Cant close account / account inaccessible
Product: Debt collection

I have sent several letters asking that Wakefield & Associates send me proof that this debt is in fact mine,  signatures, and documents that show that I agreed to pay. They have not been able to do so. They are ONLY sending me letters that state that the debt does in fact belong to me ( verified ), with no proof. Most recently as of XX/XX/2017, I requested, and have yet to get proof. I have requested that they remove the debt since they aren't able to send me what I am requesting, and they have not. The amount of the debt is {$3400.00}. How can they claim a debt belongs to anyone without proof?
Product: Credit reporting or other personal consumer reports

False or deceptive portrayals You violated 15 U.S. Code 1681s2 ( 3 ) of the FCRA. I protested these inaccuracies more than 35 days ago, but you have yet to mark them as disputed. You lead me to lose out on opportunities by incorrectly reporting this item and failing to indicate that it was disputed.

The following elements should be removed from my consumer report 1. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer. 
XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

2. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) XXXX reports in connection with credit or insurance transaction That are not initiated by consumer. 
XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

3. " 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING  reports in connection with credit or insurance transaction That is not initiated by the consumer '' XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

As evidenced, you are required to provide notification within 30 days, not one day later. 
As a consumer, the accounts listed in this letter must be deleted immediately, or I will file a claim for monetary damages in small claims court in my city and state under 15 USC 1681n civil liability because my rights have been infringed. In addition, we have already sent this letter to the Complaint portals for the Consumer Financial Protection Bureau, the State Attorney General 's Office, XXXX XXXXXXXX XXXX XXXX, and the Federal Trade Commission. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

This is a follow up to complaint XXXX and case number XXXX. US Bank denied my dispute for {$3500.00} under the Fair Credit Billing Act, " If you think there is an error on your bill, you must contact us within 60 days after we send you the statement the error appeared on. Unfortunately, your inquiry about this transaction was received after this 60-day period had passed, and we are unable to assist you further. '' Per the XXXX XXXX statement where the transaction appears, the wording under Information About Your Account states, " If you have a problem with the quality of goods or services you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than {$50.00} and the purchase was made in your home state or within 100 miles of your mailing address. '' I have tried in good faith to resolve the issue with the merchant. Merchant has told us to go to XXXX to get XXXX to fix the issue. The purchase was more than {$50.00} and the purchase was made within 100 miles of my mailing address and in my home state. I am not raising an issue with a billing error but with the dissatisfaction of the goods and services. 

Does US Bank not have to honor the rights for the cardholder since it took over XXXX XXXX? Even US Bank has a disclosures regarding the " Your Rights If You Are Dissatisfied With Your Credit Card Purchases '' and there is not any mention of a 60-day period. The criteria for a 60-day period is under " What To Do If You Think You Find A Mistake On Your Statement ''. This is not a complaint regarding a mistake but with the my rights since I am dissatisfied with my credit card purchase, which falls under " Your Rights If You Are Dissatisfied With Your Credit Card Purchases ''. 

Based on the agreement I entered into with XXXX XXXX XXXX when I applied for card, this complaint falls under the criteria for " Special Rules for Credit Card Purchases '' as stated in the enclosed XXXX XXXX Credit Card statement where the {$3500.00} appears.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently submitted a new dispute with TransUnion and they continuously send stall tactic letters stating they feel my dispute is coming from a credit repair company ; therefore, they are refusing to further investigate my submitted disputes. I was under the impression that the consumer reporting agencies were only allowed to send 1 of these type letters to consumers? This is my 20th letter from Transunion. I am asking the CFPB to investigate this matter ASAP!
Product: Debt collection

GREETINGS YOU Never Validated this DEBT with any DOCUMENTS, purchase agreement. You FAILED TO SEND ME CONFIRMATION OF THIS ACCOUNT. I sent you a letter in XXXX stating you to CEASE AND DESIST if you can't VALIDATE the account. YOU are CONTINUING TO COMMUNICATE WITH ME BY DAMAGING MY CREDIT.
Product: Credit card or prepaid card

I signed up for Direct Express XXXX sent my first card to XXXX PA where someone XXXX XXXX and used my entire XXXX benefits at different locations in Pennsylvania I never go XXXX XXXX PA and I never lived there, I live in XXXX NJ when I didn't recieve my card by XX/XX/2022 the day my XXXX payment of {$2100.00} was deposited on the card j called them everyday filing a fraud report with them which I just got the denial letter today XX/XX/2022 im on alot of XXXX due to XXXX problems, XXXX and other medical history I need that money for medication food and bills now I have nothing please help this place is a fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

1 5 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1 681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 u.s. code 1681N. the bureaus is not complying, and hold inaccurate information. I WILL SUE FOR {$1000.00} PER VIOLATION.

THERE IS INFORMATION ON MY CONSUMER REPORT THAT IS A RESULT OF IDENTITY THEFT. I DID NOT GIVE ANY WRITTEN PERMISSION IN ACCORDANCE WITH FCRA TO HAVE THE BELOW IDENTIFIED TRANSACTIONS FURNISHED ON MY CONSUMER REPORT. PLEASE BLOCK THE REPORTING OF TH IS INFORMATION. THE IDENTIFIED TRANSACTION ARE NOT RELATED TO ANY TRANSACTION BY THE CONSUMER. THIS BLOCK IS NOT BEING MADE IN ERROR, OR ON THE BASIS OF A MATERIAL MISREPRESENTATION OF FACT. I AM IN FACT, REQUESTING THIS BLOCK ON BEHALF OF MYSELF.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Company is stating that the information on my consumer report is accurate and to remain on my report un XXXX which is incorrect I sent in proofs that the courthouse doesn't verify bankruptcy with the credit bureaus making it not legal to report I have letter directly from courthouse stating they don't verify.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER CAREFULLY REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ... DATES ARE XX/XX/20 XX/XX/20 XX/XX/20
Product: Debt collection

Dont understand how a utilities s bill can be placed on credit reports. It has nothing to do with credit. I never obtained a loan or a line of credit. Never received notice that I had a delinquent XXXX bill. I was recently paying on my XXXX bill so the amount they claim I owe can not be correct whatsoever. XXXX never tried to contact me about a past due amount and when I checked my account awhile back I was up to date. So Bonneville Collections needs to remove there collection against my credit reports unless they prefer to pay more in a court trial.
Product: Checking or savings account

On XXXX early morning, I was robbed and my Chime debt card was used at four locations in the city. The charges were made at XXXX XXXX ( {$4.00} ), XXXX XXXX XXXX XXXX XXXX  ( {$4.00} ), XXXX XXXX XXXX ( {$33.00} ), and XXXX XXXX XXXX ( {$150.00} ). These charges were not made by me as my card was not in my possession. I have used Chime 's dispute resolution process and I found the process to be unfair. I have provided my XXXX receipt that I was not in the area when the charges were made. I also provided the XXXXXXXX XXXX of the route, the time it takes to get to the place, and where I was picked up. And still, Chime ruled that the charges were made with my approval when that was not the case. I provided the evidence twice. The evidence they provided for how they made the decision was the times in which the charges were made and still does not stand to reason why am liable for this fraud.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2021, I fell victim to a multi-layered scam operation run by XXXX ( XXXX ) which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to the fraudulent investment firm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I talked with several creditors and most gave me the run around and a couple, a couple of creditors actually said that they're sorry and that they will remove the inquiries and reach out to the bureaus to remove the inquires off of my credit report other creditors are telling me that they don't see anything about me or about my name being used to apply for credit with them but yet these inquires are on my credit report. some creditors are telling me to call the credit bureaus and i told them the credit bureaus are telling me to call the creditors now I'm calling the credit bureaus for a second time and telling them what the creditor are telling me now he credit bureaus are telling me that they cant remove the inquires to call the federal trade commission agency and i called them to tell them what the creditors and the credit bureaus said and the credit bureaus told me they cant remove inquires to call the federal commission agency so I called and they're telling me to call CFPB and now here I am typing this letter on this website, this should no be this difficult, its so easy for some reason for people to breach other people credit and credit reports but so hard for the people who are breached to get their credit and life back and very little to protect us i know some organizations helps us but other play the role but still get a check. I just need some help or do i need a lawyer or what??? this is exhausting. 

Bank of America date of inquiry XX/XX/2022 XXXX, no action taking they told me they don't see me in their system by name nor by SS # and told me to call the credit bureaus. 

XXXX XXXX XXXXXXXX date of inquiry XX/XX/2022 XXXX, no action taken, the phone system told me I'm in line and my wait time is 78mins the 78mins past and they called back but I'm still on hold for an additional 49mins and still counting while I'm typing this note. 

XXXX XXXX date of inquiry XX/XX/2022 XXXX, XXXX. action taken they were helpful and kind but still check on my status please. 

XXXX XXXX Date of inquiry XX/XX/2022 XXXX, Action taken they were nice and helping and said they will reach out to the credit bureau XXXX date of inquiry XX/XX/2022 XXXX, Action taken they were nice and helpful and also said that they will remove the inquiry. 

XXXX Date of inquiry XX/XX/2022 XXXX, Action taken they said they will look into the matter that is not enough information for me.
Product: Credit reporting or other personal consumer reports

The Consumer reporting agency Experian is currently reporting inaccurate and incomplete information on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX, and I am submitting this complaint myself with no third party involved. I reached out to XXXX, XXXX and Equifax, credit reporting agencies, via Certified mail on XX/XX/2021, asking to verify all debts from DEPT OF EDUCATIONXXXX that was fraudulently furnished by them on my consumer report ; according to 15 USC 1681b . There were no responses to my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is fraudulent and all my information was used & stolen online, some information isnt verified by me to open this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX stated to me they were going to remove item from my report as a result of a Class Action Settlement ruled in my favor that the loan was fraudulently given to me. This was submitted to all 3 bureaus and still remain on my Credit Report. I have disputed several times and it still remains. Their submission was completed on XXXX XXXX. I would like to have it removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings I have initiated multiple disputes with EQUIFAX to remove unauthorized Inquiries they have failed to validated that I initiated. I have asked and requested for EQUIFAX to respond with validated proof that I authorized these inquiries per the Fair Credit Reporting Act. I have provided requested documents to EQUIFAX to get this issue resolved in which they requested. I have also reached out to the creditors to validate these unauthorized inquiries belong to me in which I have not received a response. Please promptly Remove / Delete the following inquiries from my EQUIFAX credit report because they are affecting my ability to hold a job and get approved for a mortgage for my family. Below are the reporting Inquiries that should be Removed / Deleted from my EQUIFAX credit report.

Reporting Inquiries : 1 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 3 ) XXXX XXXX - Date Filed : XX/XX/XXXX 4 ) XXXX - XXXX - Date Filed : XX/XX/XXXX 5 ) XXXX XXXX XXXX XXXX XXXX - Date Filed : XX/XX/XXXX Should you need any additional information please let me know. Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX
Product: Credit card

I have paid Barclay bank XXXX for XXXX months. I have paid what I believe to be the monthly charge plus extra toward my past due balance. I have a statement sent to my email monthly from Barclay with a link to log on and see statement. I do not remember my log on information. I have called the company to request help and am directed to a collection agency that will not give me my full account information or any other assistance to log on and see account. They state they do not have access to that information as they are a collection agency. They will not connect me to Barclay Bank to request assistance stating Barclay does not have my account, yet they send me an email monthly with statement. I am unable to switch to paper statements as I do not know the account number. Someone from this account calls me daily for collections despite my paying weekly.
Product: Credit reporting or other personal consumer reports

I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.
Product: Credit card

So the credit card company XXXX closed my account without my knowledge and now we can even use the card anymore and now we are asking for a settlement and they are refusing to work with us so. I am filin a complaint against this credit card company. i refused to keep forking hundreds of dollars into this company at the max if i cant even use the card anymore when i didnt authorize the closure. i dont care about their excuses i want them shut down and closed for good i am beyond XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

BMO has obtained my information and loan in breach of contract through the obtaining of Bank of the West Bank of the West did not follow USC 156802 never received a third party opt out form within 30 days of entering into a commerce agreement with a financial institution BMO has refused to give me any of the documentation that I'm legally entitled to is not honoring the contract and committing credit reporting fraud
Product: Credit reporting or other personal consumer reports

The account details are not representative of my actual transactions and payments, causing harm to my credit standing. I request a thorough investigation to correct this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX hard inquiries on my credit report. Out of the XXXX there are XXXX that are accurate. I did not authorize anyone to check or approve my credit. I have contacted the companies and I was told multiple times to contact the credit bureau, identity thief or someone else. No one has fixed it. I need these XXXX hard inquiries gone as fast as possible. I am trying to purchase my first home and I need my credit score to  be in good standing or constantly increasing. Like I mentioned before there are XXXX inquiries XXXX XXXX, and XXXX XXXX that are accurate. But the remaining XXXX are fraudulent inquiries of some who tried to use my name to get credit cards or a co-signer or get a vehicle. 

The XXXX fraudulent inquires are : XXXX XXXX, XXXX XXXX, XXXX XXXX. I have a XXXX  XXXX card, that is the only credit card I own, and I 've never tried to get a XXXX card. I currently have a vehicle that I 'm not trying to replace so I 'm not sure where this XXXX and XXXX XXXX came from. Fraud!!!! I need someone to take care of this problem and remove these fraudulent inquiries off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX Account number : XXXXXXXX XXXX XXXXXXXX Account number : XXXXXXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX DEPTEDXXXX Account number : XXXX DEPTEDXXXX Account number : XXXX DEPTEDXXXX Account number : XXXX DEPTEDXXXX Account number : XXXX DEPTEDXXXX  Account number : XXXXXXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Alleged medical debt was sent to the State Collections Service without verification of debt. State Collections Service reported this to the three credit bureaus on XX/XX/year> without first contacting or communicating with me in any form to try and recover or verify this debt. Amounts : {$850.00} and {$1700.00}
Product: Credit card or prepaid card

I did a treatment in XXXX XXXX XXXX XXXX, because of the high cost, they offered me to apply for a XXXX XXXX XXXX XXXX to pay for the treatment of XXXX. The promotion was 0 % interest for 18 months starting in XX/XX/XXXX and ending in XX/XX/XXXX during the dental treatment they had to make another dental arrangement for which they offered me to pay it with a second promotion which started in XX/XX/XXXX and ending in XX/XX/XXXX. When the first promotion ended, the receipt said that I had to pay XXXX to avoid the interest. I always made my payments on time by sending more than the minimum required and I sent XXXX because I knew I had a balance on the second promotion. XXXX charged the full payment to the second promotion instead of splitting the payment to cover the balance of the first promotion and they are now charging XXXX for the interest. It seems very unfair to me since I have made my payments for 18 months on time and more than the minimum required. Consequently in XXXX, the payment of XXXX was applied to the interest but they are adding XXXX to the interest. I hope you can help me thank you.