23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am submitting this complaint regarding financial hardship and account mismanagement by Citibank, which has resulted in rising minimum payments and unjustified credit limit reductions across XXXX of my credit card accounts : the XXXX XXXX XXXX XXXX by Citi and the Citi XXXX Card. 

The specific example I am referencing in this complaint relates to my XXXX Citi card. I reviewed my records and confirmed that my credit limit was {$5500.00} through XX/XX/scrub> 2024. In XX/XX/year>2024, Citibank reduced it to $ XXXX {$700.00} dropwithout any recorded late payments or fees on my account. There was no warning, explanation, or justification for this reduction. 

Then, in XX/XX/year>2024, I made a {$1000.00} payment using personal savings I had specifically set aside for an upcoming trip. My goal was to pay down my balance and free up space on the card to use during that time. Instead of providing flexibility, Citibank reduced my limit againdown to {$4000.00}, and at one point I saw it as low as {$3500.00}. 

This unexpected credit limit reduction erased the available credit I had just created, left me unable to use the card as planned, and increased my utilization rate. The payment was not made with disposable incomeit was a meaningful sacrifice. As a result, my minimum payments have risen to nearly {$200.00} per card, which has created significant financial hardship. 

I want to clarify that a similar experience occurred with my Citi XXXX  card, where I saw increased minimum payments and an overall pattern of reduced credit availability during a time when I was making good faith efforts to pay down balances and stay current. This pattern across both accounts has made my financial situation more difficult, not easier, despite my consistent effort to manage responsibly. 

I respectfully request that Citibank : Review and explain the timing and cause of the credit limit reductions Restore a reasonable credit limit based on my history Offer hardship support or a payment reduction plan to help manage the increasing minimum payments Acknowledge the negative impact of these actions on my financial and personal well-being Thank you for your assistance in reviewing this complaint.
Product: Debt collection

I have sent numerous comoldings on Love Beal and Nixon. I have madeany phone calls that have not been returned by XXXX XXXX XXXX. I sent to them my information about the identity theft but again no response. I have also requested from them a copy of the SIGNED contract from XXXX XXXX XXXX and they have yet to provide it. They have now sent me a Motion of Summary Judgement that I received on Saturday, XXXX/XXXX/2016. I plan to file my rebuttal with the court clerk no later than XXXX/XXXX/2016. This DEBT IS NOT MINE!
Product: Debt collection

On XX/XX/XXXX our contract with XXXX, XXXX ended and went on to a month-to-month. In XX/XX/XXXX we installed XXXX Floodlights front and back. On XX/XX/XXXX I spoke to XXXX and cancelled our service. He connected me to a sales person who stated that if I would start a year contract they would be able to keep our payment at {$34.00} instead of the new monthly payment of {$53.00}. I declined the offer. On XX/XX/XXXX I received an E-Mail entitled " Your XXXX   Services Have Been Cancelled ''. In the body of the E-Mail it stated " You will receive a final statement within 30 days of the service discontinuance effective date. '' For safety I placed a STOP Payment on my bank account on XX/XX/XXXX for {$34.00}. On XX/XX/XXXX I received an E-Mail from XXXX stating {$53.00} was due by XX/XX/XXXX. On XX/XX/XXXX XXXX removed {$53.00} from my bank account. When I found out what happened I filed a dispute with my bank and XXXX returned the monies to my account on XX/XX/XXXX. On XX/XX/XXXX the bank placed a STOP ALL on my account. According to XXXX 'S Alarm Records, on XX/XX/XXXX they did a test at XXXX XXXX and it came back OA-Out of Service. On XX/XX/XXXX I removed and disconnected all their equipment. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ft.   Washington, XXXX XXXX XXXX advising me that this account was put in collection. I immediately called and spoke to XXXX and verbally gave her all the information and she stated that she would file a dispute and to call back in a couple of weeks. On XX/XX/XXXX I called and talked to XXXX and she stated they had not heard anything. On XX/XX/XXXX I called and spoke to XXXX and she stated that the dispute had been resolved and a letter was sent to me. On XX/XX/XXXX I received the letter from XXXX XXXX XXXX XXXX showing the {$53.00} as still due along with a copy of the bill effective XX/XX/XXXX to XX/XX/XXXX and a copy of an E-Mail dated XX/XX/XXXX stating that the automatic payment was declined. I called and spoke to XXXX and he said that he would put it in dispute for another 30 days.
Product: Student loan

In XX/XX/XXXX, I applied for consolidation of two Utah Higher Education Assistance Authority ( UHEAA ) student loans, acct # 's XXXX and XXXX, through the Department of Education that were to be serviced by XXXX ( the only account numbers I have at this time are the ones listed on my credit reports ). The consolidation was approved and funds were disbursed to UHEAA on XX/XX/XXXX. At this time I was advised that all future payments were to be made to XXXX. Unfortunately a clerical error occurred and consolidation was rejected by UHEAA however I was not informed and representatives of XXXX did not appear to have any knowledge or record of the rejection by UHEAA and UHEAA representatives did not appear to have any knowledge about the status of the consolidation or that it was rejected. I was being billed monthly by both UHEAA and XXXX for the same loans, and both companies were reporting these accounts to the credit bureaus, unfortunately I could only afford to pay one company the majority of the time so I made XXXX the priority, considering I had received the consolidation paperwork and was told the consolidation was complete. As a result I fell behind on the UHEAA payments and they were reported as late payments on my credit reports. Multiple calls by me to try to resolve the double billing/payments to both UHEAA and XXXX were unfruitful, it took over a year of making calls, asking for forbearance 's and finally an investigation by the Department of Education XXXX office for resolution. 

As a result of the Department of Education 's Investigation the consolidation was finally successful on XX/XX/XXXX. Payments I had been making to XXXX during the previous 14 months were refunded to me and the accounts they were reporting on my credit reports were removed, however the negative marks on my credit reports regarding the UHEAA accounts remain. Juggling payments and forbearance 's between UHEAA and  XXXX and the financial hardship caused by this situation resulted in past-due payments to be reported to my credit files in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of 60, 90 and 90 days respectively on both UHEAA loan accounts ( XXXX and XXXX ).
Product: Debt collection

LVNV Funding of course knows they are not licensed to collect debts in Maine, yet they are reporting debt I allegedly owe on my credit report, reporting 2 separate collection accounts. The account numbers being reported are XXXX and XXXX. I do not recognize this debt and it should not be reporting at all on my report. I have tried disputing this with the credit bureaus and provided proof that LVNV funding is not licensed to collect in my state ; XXXX has removed them, but XXXX and XXXX refused. Additionally, I never had a contract with them for any debt. This company practicing debt collection in states they are not licensed in that require debt collectors to be licensed ( which Maine does ) is unacceptable and illegal. I will attach a screenshot of which states they are licensed for that shows that Maine is not included.
Product: Checking or savings account

I was charged overdraft fees and other account issues as far as closing the account
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is refusing to follow the law which is robbing me of my right to have " accurate, complete and verifiable information on my credit report. 

The FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) states that they must provide me with " a description of the procedure used to determine the accuracy and completeness of the information '' also A third party furnisher of information does not meet the standard set forth by the FCRA. Section 611, ( 6 ) ( B ) ( iii ) says that " ONLY the Bankruptcy Court should be the furnisher '' of information, not a third party source. I have requested their Method of verification three times, they have refused only to reply with " verified '' The last correspondence from Experian states " The company that reported the information has certified to Experian that the information is accurate '' but they refuse to disclose the name and address of the verifying company as required by law.

The Law says " ONLY THE COURT SHOULD BE THE FURNISHER '' The documentation ( which I have furnished to Experian three times ) from the UNITED STATES BANKRUPTCY COURT and signed by The case administrator supervisor which states that " Their office does not report ANY information to the credit reporting agencies '' making it impossible that Experian has followed the law and are responding to my good faith inquiries with inaccurate, incomplete and unverifyable information. 

Both XXXX and XXXX  have also investigated this and agreed the information is not varifyable and have deleted it. 

I have just once again completed a call with an Experian supervisor ( XXXX ) who has assured me that they are required to follow procedure ... EXPERIAN PROCEDURE, NOT THE LAW! 1 hour 22 minutes in which the supervisor " XXXX '' hung up on me. 

She also is either misinformed or telling a known untruth that a chapter XXXX bk is not required to be reported for seven years but allowed to. No information is required to be reported. Training of employees is a good idea. Supervisors should be knowledgeable of procedure, law and be truthful.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX ). XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX Rights Violations : 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 *According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. *They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. *Accounts has been deleted from TransUnion but still showing on my report for XXXX  and XXXX 

XXXXXXXX XXXX XXXX Account # XXXX XXXX date : XX/XX/XXXX. 

XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX date assigned. 

*Please Delete all accounts through out all of my credits report ( transunion, XXXX XXXX XXXX XXXX Due to accounts opened fraudulently, Ive included identity theft report along with this complaint for proof, Ive also filed police report.

I also want delete all inquiries that does not hold any open accounts as it may be fraudulent on TransUnion, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA
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 Account # XXXX has violated my rights. 
XXXXXXXX XXXX XXXX  Account # XXXX has violated my rights XXXX XXXX  Account # XXXX* has violated my rights XXXX Account # XXXXhas violated my rights XXXX XXXX XXXX XXXX Account # XXXXhas violated my rights XXXX Account # XXXXhas violated my rights XXXX XXXX Account # : XXXXhas violated my rights Bankruptcy Reference # : XXXX violated my rights DPT EDXXXX Account # : XXXX violated my rights DPT EDXXXX Account # : XXXXviolated my rights DPT EDXXXX Account # : XXXXviolated my rights DPT EDXXXX Account # : XXXXviolated my rights DPT EDXXXX Account # : XXXXviolated my rights DPT EDXXXX Account # : XXXXviolated my rights DPT EDXXXX Account # : XXXXviolated 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.

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 1681s-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 information is inaccurate.
Product: Debt collection

Tried talking to them about the reports they were rude and disrespectful only wanted to know when I could send some money one even asked who I bank with.
Product: Mortgage

Ocwen Loan Servicing is committing fraud against me. 
XXXX XXXX Sheriff Case Number : XXXX See evidence attached. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX bought a old collection from XXXX XXXX XXXX it is on all 3 of my credit bureaus I called and spoke with the supervisor who seem worked up when I asked her questions about 3 accounts 1 major account in particular which is account number XXXX opened on XX/XX/XXXX she modeled me she didnt have to send out and notices about the contract/services I may have received this call was taken place on XX/XX/XXXX at about XXXX-XXXX XXXX
Product: Debt collection

Everyday XXXX5x daily Barclays Bank calls for a debt I do not have ( XXXX XXXX XXXX
Product: Checking or savings account

I tried to push money from another bank to the BBVA bank for a new account. instead, it pulled. Tried to contact via secure message but didn't hear anything back after 3 business days. phone calls are hard because of a XXXX so secure message is the best way to talk and they refuse to answer the message
Product: Payday loan, title loan, or personal loan

I had a company pretending to be lending tree scam me out of money. I have all corresponding emails fake loan agreement etc. The false number given is XXXX. They even sent me letters from the XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

Capital one credit card is reflecting negative on my credit report. They have sent me several of letters stating that they would not put it on my XXXX XXXX credit report. I have disputed several Times in they continue to not remove my credit report. I have sent the letter in more than once. It is only reflecting a late payment. I have requested several times for to be off my credit report to one will not provide me detail information regarding this account. They just recently added it on my XXXX  credit report. The credit report does not have any detail information regarding this account. I am requesting XXXX remove this from my credit report. I also would like to have Capital one, XXXX, and XXXX validate the account or remove it from my credit report. Both account entails something different on both account. Please provide the FTC the letter that states that Capital One has agreed to remove from my credit report. The late payment reflects that it will be removed from my report this year.
Product: Student loan

I have been trying to get on a payment plan to pay off my student loans and they keep making it so the payments are way to high for me to pay. When I call to tell them this they tell me that I can do a forbearance and have no payments for 6 months while my interested keeps rising. All my attempts to try to get a decent payment to start paying off my loans go ignored but, they are very quick to keep putting off my payments. It 's extremely hard to get through to them and everything has to be done online and there are so many emails steps that you get to a point of utter confusion about what is happening. The payment page is the same way, I have XXXX lone that is {$25.00} and would like to pay that XXXX off but, you have to pay and wonder where they are going to apply the payment.
Product: Money transfer, virtual currency, or money service

I am filing a complaint regarding an issue with Zelle, where I was a victim of fraud due to the lack of a proper warning about verifying the recipient 's information before sending funds. At the time of the incident, Zelle did not display a clear warning asking users to make sure this is the right person youre sending funds to ''. This was a critical oversight that led to a significant amount of fraud during this period.

Fraudulent Transaction : The total amount of the transaction exceeded {$5000.00}, and the funds were sent to multiple individuals and businesses that I do not personally know or recognize.

After completing the transaction, I realized that the recipient was not who I intended to send money to, or I was scammed by a fraudulent party.

Actions Taken by Me : Upon discovering the fraud, I immediately contacted my bank to report the issue.

The bank informed me that, since the transfer was authorized via Zelle and the recipients information was entered correctly, there was nothing they could do to reverse the transaction.

I also contacted Zelles support, but they were unable to assist in reversing the transfer or offering a refund.

Outcome and the Missing Warning : I was told that my bank could not help because there was no mechanism in place to stop the transaction, even after I realized the fraud had occurred.

Zelle later added the warning about verifying the recipient before sending funds. This change was made XX/XX/year>. However, I was affected by fraud before this warning was in place.

Additional Comments : The lack of this critical warning caused widespread issues for many users during this period, leading to a rise in fraud and unauthorized transfers.

It seems that Zelle recognized the need for the warning after a significant number of fraud incidents occurred and that my situation is part of this broader issue.

Please note that this complaint is being filed because the lack of a proper warning during this period left users like myself vulnerable to fraud, and the response from my bank was insufficient to resolve the issue. ''
Product: Credit reporting or other personal consumer reports

I

have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX
Product: Bank account or service

XXXX, I opened an account ( Savings and Checking ) with Citibank. On the advice of CITIBANK, the accounts were part of the " XXXX XXXX Banking '' package. Between XXXX and XXXX, I was not charge a monthly fee. 
However, I noticed in XXXX ( as I do not check my accounts frequently ), that starting in mid XXXX, I was charged XXXX {$25.00} per month. My numerous attempts to convert this account to a normal XXXX where I am not charged a fee, attempts to reverse the charges and also attempts to close the accounts through online chats with Citi 's representatives, international calls and messages, have been futile. Instead, I was repeatedly channeled from XXXX division to another, and even when I am in touch with the XXXX Banking Team ( they all do n't speak to each other ), I was told that I could not close the account unless I physically present myself at a Citibank branch in the XXXX ( I am now located in XXXX ), even though I could possibly open a normal account online that does not incur monthly fees. 
The constant inability of CITIBANK to resolve my issues or even assist to close my accounts and point me in the right direction is a violation of my customer rights, not to mention charging me XXXX {$25.00} a month when previously this did not happen.
Product: Credit card or prepaid card

This complaint is in reference to complaint XXXX also AMEX reference Ref : XXXX in the final response, AMEX states that I have received the total XXXX  MR points. which was incorrect. 

AMEX issued me XXXX bonus points, then another XXXX. But the XXXX points was taken back. I have attached the pdf for reference. 

In addition, when I contacted AMEX, they explicitly told me that I could retroactively submit the mailer to have my original 100k offer applied ( another lie ). 

This is my final attempt with CFPB and if this is not resolved in my favor, i will be continue escalating this via other channels including but not limited to my local small claims court.Note, It literally takes 5 minute to look over my MR points history to know that the XXXX points was taken back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to neglect and play games to delay the process of my previous inquiries and investigation. I have sent them countless proof of who I am providing drivers license, Social Security number etc. However, they still continue to not process or look into the reporting issues that I have on my credit report. All they have done and continue to do is violate FCRA policies and procedures. If this is not handled properly by this Experian, I will have no choice but to look into further litigation to correct this issue for gross negligence and failure to provide Significant information to my request.
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. 

XX/XX/XXXXas 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 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. 1681s-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.