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

At XXXX on a Sunday my phone rang. It was XXXX from Citibank ERT ( Executive Response Team ) asking to speak with me. Not sure when it was ever OK to contact a customer on a Sunday, but I agreed. She claimed she was calling to relay some information concerning my complaint on how I felt targeted by her company. No matter what she stated it still would change how I felt targeted. The fact remains that I had been randomly audited twice for credit limit adjustment that caused a significant decrease in my credit limit on 2 separate cards. Citibank decision not only caused the decrease in my credit limits, but it was NEVER explained why just that my name was pulled random. Thus, in turn created a hell storm within all three credit bureaus. 
When this first occurred I contacted XXXX and XXXX, both stating that I had NO major changes on their part that would have created any credit decrease ( SEE XXXX dispute # XXXX ). I have over 20 plus creditors and none of which have ever decided to decrease my credit limit during an audit. Again, I expressed that I had no new credit checks, no major purchases, and no new loans so why the random audit and why twice? XXXX had no answer, promising that it wasnt personal. She claimed she understood my complaint but couldnt offer anything to help the situation. She mentioned the credit department uses a formula to determine credit limits. I find that story hard to digest, because I actually received two large pay increases this year. Annual income increased from XXXX to XXXX and my military XXXX increased from $ XXXX to $ XXXX. 
So even if the audit was random, it sure seemed awful funny that both my Citibank cards took a significant decrease ; not once but twice and with 3 months of each occurrence. As well as happening within 10 months of a major dispute and conflict between myself and a Citibank employee over a wrong card shuffle. So, I asked again what could XXXX do or offer me to repair this issue? She claimed nothing. I asked what the CEO XXXX XXXX XXXX could do? XXXX stated nothing and that the decision came from Citibank credit department. Now I wonder why the Citibank credit department didnt call me to correct this issue. Again, XXXX had no answer other than another soft pull on my credit to request a limit increase. No thanks, I am scared they will decrease it a third time. Well, this was a wasted Sunday afternoon phone call. 

Thanks for Nothing,
Product: Checking or savings account

XX/XX/XXXX I attempted to check my Eastern Bank account balance via online. I was prompted to contact the customer service via telephone following that a representative advised me to visit the branch when I arrived at the branch before speaking with the teller I tried to use my debit card at the ATM and alerted it stolen. Upon approaching the teller I summarized the events he checked both of my accounts and confirmed the debit card was indeed reported stolen. Uncertain of the next steps he requested assistance from a senior teller whom was extremely volatile. She begin loudly stating your account is overdrawn {$470.00} are you making a deposit and proceeded to take my debit cards out of my hand stating I dont think you can have these. I explained to her that I was in receipt of a deposit on that day so unfortunately I would not be making a deposit because all the money I had was taking by the bank and I now couldnt use the account. Ultimately she stated what do you want to do Im confused why you came in. At that time I asked if someone could please contact me because I was totally confused what happened to my accounts. The following day I attempted to call the branch to see if they had any updates and it was a failed attempt. Ive been reached out to customer service on four different occasions that same day via telephone, was unsuccessful. Following that day, I decided to visit another branch and became aware that my accounts were closed and could no longer have access but still COULD NOT have a reason why. The teller stated there wasnt anything I could do and I would receive a letter still not knowing why my account to a closed I attempted to contact the bank again via telephone. A few days later I received a letter stating my account was closed for possible check fraud. I reached out to the contact person and explain that unfortunately I was NOT aware of this but while I was not present my family member that was an active XXXX gained access to my accounts via XXXX. Devastated I pleaded if there was anything I could do to rectify this matter and I was told NO that it was going on my credit report and will be removed in 7 years and I would no longer be able to get a Eastern Bank account and it would be extremely hard to get any bank account because Im now flagged as FRAUD.
Product: Checking or savings account

Have had PayPal account for over 10 yrs. Used mainly for online purchases and some money transfers My account is frozen. Have given them the info requested on web site but appears they want a bank statement. I am not giving them this personal info.

Account was compromised a couple of year ago costing almost {$8000.00} Filed police report, contacted attorney, etc. PayPal did refund me my money.

This experience caused extreme XXXX, as one could imagine.

Freezing account seems to be result of another attempt to get to my account. I declined a purchase, as it was not made by me. 

I am now XXXX XXXX XXXX. Have limited financial reserve, and a lot of XXXX  about how far my funds will last. 

Worrring about being hacked again is why I don't want to give any further info. And am reducing accounts so family can better track my assets for my XXXX XXXX. 

There is a balance of {$610.00} I would like sent to me. Account can be closed and yes I am aware it can not be reopened.

Attorney has sent 2 emails to persons he has dealt in the past but with but no response.

He as recommended I submit a claim to you.Re : Account Holder : Attached is email conversation with Attorney, XXXX XXXX TO : XXXX XXXX XXXX Reference No. : XXXX/ XXXX XXXX XXXX. XXXX Inbox FROM : XXXX XXXX XXXX XX/XX/year>, XXXX to XXXX, XXXX Dear Gentlemen : I was following up on my email below in regard to XXXX XXXX account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fax ( XXXX XXXX ) FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Account Holder : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sirs : I have been contacted by XXXX XXXX in regard to the above reference number and her account. XXXX XXXX is XXXX XXXX XXXX. She has had her PayPal account for over 10 plus years. She has had several issues with scams and hackers on her accounts. At this time, her account with PayPal is frozen for her protection. She wishes to close her account and have the remainder of her funds in the amount of {$610.00} released to her.

Please advise if you need any further information. Thank you for your assistance. 


( # XXXX ) From : XXXX XXXX XXXX Sent : Friday, XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX Subject : Re : Account Holder : XXXX XXXX XXXX Reference No. : XXXX/ XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Is there any progress on this matter? Thank you for your attention. 
XX/XX/year>, XXXX ( 5 days ago ) ( # XXXX ) RESPONSE, XX/XX/year> XXXX ( XXXX hours ago ) XXXX XXXX : I still have not received a response. You may want to file a complaint with the federal Consumer Financial Protection Bureau Submit a complaint | Consumer Financial Protection Bureau ( consumerfinance.gov ) XXXX XXXX XXXX
Product: Debt collection

Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by CREDIT COLLECTION SERVICES, breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt.

**Lack of Opportunity to Dispute Debt** Despite being approached by CREDIT COLLECTION SERVICES, regarding an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it.

**Request for Certified Mail Receipt** Per 15 USC 1692g , debt collectors are obligated to furnish consumers with a written notice within five days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand CREDIT COLLECTION SERVICES, furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements. 

**Unlawful Debt Collection Practices in New Jersey** It has come to my attention that CREDIT COLLECTION SERVICES, lacks authorization to pursue debt collections in New Jersey , my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXXnder 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

Opt-Out Request for Credit Reporting I am writing to formally request that you exclude my personal information from your credit reporting system. As an individual concerned about my privacy and in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I wish to exercise my right to opt out of the credit reporting services provided by your agency. As a federally protected i am now opting out of any and all authorization i the consumer may have given you written, unwritten, verbal and non-verbal per 15USC 6082. Which States : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

COMPANY : XXXX XXXX XX/XX/XXXX ACCOUNT NUMBER : XXXX Please be advised that I understand the implications of opting out of credit reporting. By choosing to opt out, I am aware that it may limit my access to certain credit opportunities, as lenders often rely on credit reports when evaluating loan applications. 
Nevertheless, I am committed to maintaining my privacy and believe that the benefits of opting out outweighs any potential drawbacks. 
To assist you in processing my opt-out request, I have provided the necessary information below : Full Name : [ XXXX XXXX ] Date of Birth : [ XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that you update your records to reflect my opt-out preference promptly. 
Furthermore, I request that you notify all affiliated credit reporting agencies about my decision to opt out, ensuring consistency across the board. 
Please acknowledge the receipt of this opt-out request in writing within 30 days of receiving this letter. Additionally, please provide a written confirmation once my opt-out status has been processed.
Product: Bank account or service

Last year 2016, I applied for an saving/checking account with the Navy Federal Credit Union ( NFCU ) online. I called to check the status of my application, which I was told that my application was denied. It was denied, because I need to email over proof of identity ( like bank statement, driver license, social security card, and etc ). I was told to email the documentation to email address XXXXXXXXXXXX and XXXXXXXXXXXX. Once I emailed the information over, I was told by the rep that I was denied because there was an warning on my credit report through XXXX XXXX XXXX ( XXXX ) with XXXX XXXX XXXX ( XXXX ). I disputed the information on the XXXX XXXX XXXX report and had the item removed, because they could not verify it. I received a letter in the mail from XXXX ( XXXX XXXX XXXX ) stated that the information will be deleted from my credit report. So, after that happened, I waited about a week before I applied again for an account with NFCU ( Navy Federal Credit Union ). I applied on XXXX XXXX for an saving/checking account and re-email the documentation to the emails listed in this complaint. On XXXX XXXX, I called and spoke with a rep to check on the status of my application. The rep stated that my membership application was denied because I did not hypen my last name. Also, the rep stated that I had to do another application with the hypen last name. So, I did another application on the XXXX XXXX online with the hypen last name. Check on the status of my application again with NFCU and was told to take my documentation again to the NFCU branch office. So today I took my documentation to the XXXX, Georgia NFCU branch office, so that I would be able to open up the account. I was told by the female rep in the branch office that my account was denied again. I explain to her that I signed up for the XXXX XXXX to join the NFCU, which I paid {$25.00} to join so that I would be able to get an account with NFCU. The rep stated to me yes if I join the XXXX XXXX the application has to be done online ( which I did ) and now she is telling me that she have to do another application and I have to wait until 3-5 business days before I will get an response. She also stated that once I get an response then I will have to go back to the branch to bring documentation of my identification. This getting ridiculous and we are faxing or emailing our information over with our social security number and other personal information over and they are not looking at the information to give feedback to new members or customers that wants to become a member. I 'm very disappointed in NFCU, because I hear good things about their Navy Federal Credit Union. The only thing that I 'm trying to do is opening an saving and checking account. I just do n't understand why customers can not received an email stating that they application has been denied. I had to call about 6 times to try to get this situation solved and still is not solved. There should be a better way of NFCU to treat their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credco made two inquiries to my credit report with XXXX  on XX/XX/2021. Each time a credit report is pulled it causes the consumer 's FICO score to decline. Mine went down by 18, and now is below average at XXXX. All my credit reports has freezes place on them. These over active mortgage brokers/lenders do not wait until the freezes are temporarily lifted and make inquiries over and over again to make these home loans and refi possible for the mortgage companies they work under. Therefore, making the consumer 's FICO scoring to decline. Because they perform this transaction twice, which was not necessary my credit file is totally in error by the decline of 18 and needs fixing my Credco and XXXX XXXX, who both did the same exact thing for the mortgage broker/lender. XXXX XXXX made two inquires to my credit file on XX/XX/XXXX and XX/XX/2021. Again, not waiting for the freezes to be lifted by all three credit bureaus by being over-bearing in getting this loan application approved or accepted by the mortgage lenders. I am consider now below average with a terrible FICO created by a Credco and XXXX XXXX that the mortgage brokers used to obtain my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX
Product: Credit reporting or other personal consumer reports

The following inquiries and public record currently listed on my Experian credit report are fraudulent, unauthorized and not my inquiries or public record : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX  XXXX  XXXX, XX/XX/XXXX
Product: Mortgage

On XX/XX/XXXX My Loan was funded by XXXX XXXX Loan Stream with monthly payment of {$3900.00} P & I On XX/XX/XXXX, my loan was transferred to Shellpoint which I continued paying the same amt. No changes on my monthly payment. 
On XX/XX/XXXX, I received letter from Shellpoint that starting XX/XX/XXXX my payment will be {$4900.00}. the whole month of XXXX I have been calling Shellpoint on multiple occasions but no solution given to me by Shellpoint. 
XXXX came, my checking acct was debited {$4900.00} more than what I authorized monthly payment of {$3900.00}. 
I reached out to XXXX who originate my loan but without any solution given to me. 
Have I known that my monthly payment is this high, I will not make this loan to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a letter to XXXX   asking them to verify the process they use to verify that two accounts included in my credit report. I asked them using the FCRA 611 ( a ) ( 6 ) ( b ) ( iii ), that allows consumers to ask for the description used to verify the information is being reported correctly, I told them that a computer response from XXXX was not acceptable, they responded on XX/XX/2019 with an XXXX response, I asked them to remove the incorrect information and they did not. On XX/XX/2019 I wrote the same letter to Transunion, see attached letter and they responded the same as above with one letter for the Chapter XXXX, they removed the Chapter XXXX BK, On XX/XX/2019I wrote the same letters as above to XXXX and they never responded, see attached letters written to XXXX
Product: Credit reporting or other personal consumer reports

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am XXXX this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Product: Debt collection

Upon creating a free credit report dot com account, I found a collection of {$880.00} from a company called Diversified Consultants. After contacting them they claimed it was a debt originally reported from XXXX. However I have never owned or used any service from XXXX in my entire life, I tried disputing it with Diversified Consultants as well as file a dispute used the freecreditreport process, which I think goes through XXXX. They said they verified the account as valid, but I swear to XXXX I never ever used or have ever had XXXX service that they claimed they are trying to collect on. 

{$880.00} is a significant amount, I have things that are legit in collections but this one is not legit. 

The time frame they are saying I had this service, I actually was on my x-boyfriends ( XXXX XXXX ) 's plan with XXXX. I am suspicious that one of my x-roomate previous to living with XXXX XXXX and being on his plan might have stole my identity, which is all I can think happened. But I never ever had XXXX service in the time frame they are claiming, nor ever in my life. I was on a XXXX Plan which should be proof enough, because why would I have two services ...

Diversified Consultants are showing date opened is XX/XX/2016 if that helps any. 

I feel like this is harrasment and is harming my credit score when it was not even me that opened said account, therefore I do not owe them money and it is not fair to make me pay for someone else to fix my credit report. It is not my bill. 

Is there anything you can do to help me out, I do not have a lot of money to hire a lawyer or anything like that, so it just sits there harming me. 

Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The First Progress bank is completely unable to be contacted after collecting a deposit from me and requiring me to contact them to verify my identity.

Their phone line is a complete scam, every option ( none of which were press # to verify your identity ) leads to a message telling you their operating hours and then hanging up on you.

Theres no queue, no wait, no call back option, just a message that tells you theyre busy and hangs up.

So they collected money from me, found some arbitrary reason to hold up my application, and then are completely unable to be contacted.

First Progress bank is a scam, and I have already contacted my bank who are investigating. I am writing so that Americans without the resources of a bank are no longer preyed upon.

Im glad I found their predatory, money stealing practices BEFORE I opened an account with them, because they are unable to be contacted in any event.

Please do something about this predatory, sketchy bank. It is absurd that something like this is legal in America, if it is.