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

On XX/XX/2021 CitiBank, NA closed my credit card account that had a limit of XXXX Citibank said they closed my card because I was deemed a " high risk '' due to the fact I had open new credit card accounts. This is a complete violation of USC 1681 & USC 1681Q. 

Citi Bank took illegal adverse action against me for open new accounts while I was in positive status with them. 

Citibank accessed my credit file without my permission to discriminate against me while I was paying them on time every month which is violation. 

I've made all payments on time. There is no legal legitimate reason why Citibank closed my account. And now I am making payments on a closed account! 

Damaged to my credit has occurred as this was my longest aged account for over 3 years & my highest Limit of {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were not authorized by me and I have notified each credit bureau these inquiries are due to identity theft. I have sent them numerous letters to address said issue. The inquiries below were not made by ME : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

This is very frustrating, as my requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.
Product: Credit reporting

Disputed with this credit bureau concerning XXXX XXXX and sent in backup that this debt was in dispute before this was placed on my credit report and was being collected by XXXX different collection agencies. I asked for the backup to how they verified this amount and they did not send me any information just left the insertion on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on multiple accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # XXXX Please investigate and provide PROOF with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 
XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT SYNCB/PPC ACCOUNT XXXX # XXXX HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Bank account or service

I have been a chase customer for several years. I recently opened a new checking and savings account to take advantage of a {$500.00} promo. Additionally, I opened a joint savings and checking account with my fianc. Shortly after opening, I attempted to add a mailing address online for my new accounts that was different than my home address. This caused Chase to go completely crazy. My accounts were frozen and then closed ... and my money - more than {$150000.00} - was never returned. Several calls to Chase have gone unanswered.
Product: Debt collection

Discover Bank Card Established An Account in my name without my permission In XX/XX/2019. I was not Aware of this Account until XXXX. I contacted discover And made them aware that someone had stolen my information from the address that I was living at And had not resided At since XXXX of XXXX. I have tried to make myself clear that I am not responsible for Any of the debt or Anything else that discover is taking action to persuade and Demand! As I have stated I Am A victim of identity theft fraud And my information was stolen! Discover financial needs to stop harassing me! Stop sending notice to the credit reporting agencies And stop sending corespondent letters to my current address about this account because its not mine. The company calls my personal phone number 50 times A day And I have insisted that the calls stop and they have not! I am definitely demanding all communication be stopped or legally.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Fairway at XXXX Apartments in XXXX TX XXXX XXXX is XXXX XXXX who have not and refuse to valid debt To Whom It May Concern, I have an issue with my final bill that still hasnt been cleared. I was told by the property manager XXXX XXXX XXXX that this issue isnt handled by the leasing office. I assumed everything would be a dealt with quickly. Unfortunately, that was not the case. I XXXX XXXX XXXX and my daughter XXXX XXXX XXXX occupied the apartment located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX from approximately XX/XX/XXXX until XX/XX/XXXX. I did give you my forwarding address which is still currently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I was told that any final bill would credit against my deposit. I also spoke with XXXXXXXX XXXX XXXX regarding the bed bug treatment charge that was included in my final bill. I never had and still dont have bed bugs. From day one if you check your records, I requested monthly sprays due to bugs getting in my home. My home and was immaculate otherwise. I had technician in & out of my home for maintenance issues and bugs were never reported. I did however advise the rental office that the neighbors above me had several dogs and bad odor coming from their home. My tub and toilet backed up numerous times due to no fault of my own and bugs came to that restroom area. You sent a plumber a few times for that. Now if you choose to do that for prevention thats one thing but I should not be charged for it. Frankly the home was cleaner when I left than when moved in. I completely cleaned out the home when I left. Also, the main issue is that my deposit was Never applied to my account. You have sent this to a collection agency without doing you Due Diligence. I was required before moving in or signing the lease to get a $ XXXX deposit. This was Never applied to my bill and the difference sent to me. The XXXX XXXX XXXX coverage # XXXX which I enclosed a copy of the original email receipt. Please note their phone number is XXXX. I did reach out to that company on my own and was told No One ever reached out to them to close my account or let them know I moved out. Perhaps this is an oversight but its quite a major one. I insist you must rectify this situation Immediately. I want this removed from my credit Immediately from under both me and my daughters names. This needs to be taken away from whatever debt collector you sent this to. A good contact number for me and my daughter is XXXX and/or XXXX. Please contact me at your earliest convenience. I will truly appreciate getting this worked out swiftly. Thank you for your assistance. Please note I will be using certified mail for this. 

Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX at XXXX, XXXX, XXXX, and XXXX.
Product: Payday loan, title loan, or personal loan

on XXXX {$570.00} was deposited into my checking account from Big Picture loans. Starting on XXXX I made 4 installment payments of {$140.00} per agreement. When wanted to pay off loan, I was told I had to pay a total of {$640.00} to be cleared of the debt. I am not gathering how my amount due can be more then what was borrowed when all my payments were made. 


Attached is the statement from my bank showing the totals for this transaction.
Product: Debt collection

Columbia Debt Recovery LLC DBA Genesis Cred has ignored multiple C & D request that have been given verbly and over written email. They continue to perform automated calls and harrasing emails. 

They are attempting to collect the debt on behalf of XXXX XXXX Columbia Debt Recovery LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX/ XXXX XXXX XXXX . Account- XXXX. They are reporting that I owe {$10000.00} since XX/XX/2016. They are reporting false information on my credit report to all 3 major bureaus including 3rd party credit reports. They are harassing me and ruining my credit with false and inaccurate information. Please CFPB, help do a thorough investigation with these people. Its really overwhelming when they are trying to steal money from good people. The 3 major bureaus are not doing a thorough investigation which they are illegally  sending out false information back to me. Please have them remove this item away into their pockets. Thank you
Product: Checking or savings account

On Sunday XX/XX/XXXX I tried to deposit a Check from the United States Treasury Department for XXXX cents. I had to call USAA to get them to increase my deposit amount to allow me to deposit the check via mobile phone. They increased my balance to XXXX, and the mobile app would not accept my check due to the XXXX cents. I then called back and spent another hour on the phone just to find out they couldnt increase the limit for a 12 hour period, and I was asked to try later in the evening ( XXXX ) or first thing in the morning. I again called back on XX/XX/XXXX and was now told they could not increase my deposit amount or allowance above XXXX. So they denied my deposit of XXXX cents due to the extra XXXX cents. They then asked me to mail in the check, and told me it would take at least 30 days to get the money in the account. What good is a bank if they are worried about XXXX cents. Furthermore, they work directly with the Department of Treasury on regulations, it should not be this hard to deposit checks from the United states government. I currently make more a month then the payment from the IRS. This company needs to be fined due to their activity, and for not accepting a check from the United States Treasury. Prior to this event, and before setting up this checking account I called USAA to ensure they could handle large amounts of money and I was told I would have no issues, which clearly isnt the case. This company has cost me time and money, as I now have to switch back to a bank that can accept a XXXX cent deposit. Furthermore, I would say this bank discriminated against me, as they allow other customers to deposit larger amounts of money then my small check. They need to be fined for that also.
Product: Checking or savings account

Firstly, I never signed up for an account with PNC Bank. I signed up for an account with Simple Bank, which was bought out by BBVA, which was bought out by PNC. When Simple was closing down, their bugged app and website made it impossible to close my account before the BBVA transfer went through. My ( many ) attempts to cancel the account with BBVA were not successful before PNC then took them over. I was given an account with PNC that I never signed up for and did not want. 

It was extremely difficult to get the account closed, and took multiple phone calls to even figure out the status of my account. It had been marked as 'inactive ', it was explained to me, and therefore I needed to activate it again and wait for a while and then call them *again* to close it. I did this, and was told that the remaining funds in my account would be sent to me in five business days. 

I received the confirmation of the account closure on XX/XX/XXXXXXXX I still have seen no sign whatsoever of my money as I write this on XX/XX/XXXX. As to how PNC has handled that - I'm once again back on hold, and I've been on hold for so long that I've written and submitted this complaint while waiting for a representative to get back on the line. Hours have passed. The hold music eventually slowly and sadly died out, and now I'm holding in silence. Lol. I also repeatedly had to give this institution I never chose to open an account with my SSN so that I could even hear what was going on with the money I never chose to hand them. 

It seems unacceptable that an account I never wanted was opened in my name and now I'm spending hours over the course of months just trying to detangle myself from this mess and get my own money back. Every step of this has been absurdly difficult and tedious and what they have is my emergency fund, so I hope no emergencies come my way any time soon.
Product: Mortgage

On XX/XX/2017, I called KeyBank and made a XXXX payment. ( payment cleared XX/XX/2017 ) I was told by the KeyBank representative when taking my bank information this payment would bring my account current and I would be due for the XX/XX/2017 payment. ( Recorded phone call will confirm this ) I then made arrangement with KeyBank for the XX/XX/2017 payment. 
On XX/XX/2017 I receive a certified " Notice of Default and Intention to Accelerate '' dated XX/XX/2017 from KeyBank 's attorney XXXX. The reinstatment amount in the letter was XXXX as of XX/XX/2017. ( Recall that Keybank accepted my XXXX payment on XX/XX/2017 and told me I was current. ) I also noticed my login with KeyBank has been " locked '' due for Security reasons. 
On XX/XX/2017 I called KeyBank and spoke with XXXX in the Real Estate / Collections department. I explained to him that I was current and confused on why I received a certified threatening letter from XXXX XXXX. I also told XXXX I was calling to make the XX/XX/2017 as pre-arranged. He told me the XX/XX/2017 payment ( XXXX ) has not been applied to my account ( just sitting there ). XXXX then stated, the KeyBank Representative that I spoke with on XX/XX/XXXX who also took my XXXX payment to bring my account current told me everything wrong. She lied he indicated. XXXX now told me I had to call attorney office of XXXX and request a reinstatment letter. XXXX futher went on to say that I had to pay with certified funds only. This is really unsettling considering the Notice of Default that I just received makes no indication of this " certified funds '' request or has any KeyBank employee ever told me I had to pay with " certified funds. '' I went on to explain to XXXX that my funds cleared my bank on XX/XX/2017 and the XXXX payment was good and thus, " certified ''. Again, I explained to XXXX I was not delinquent. XXXX then went on to say KeyBank will be mailing my XXXX back in the mail. XXXX appeared to have no clue on the status of the payment and a check being mailed. 
I am not sure why Key Bank is treating me like this. I paid the account current, Keybank took and accepted the payment on XX/XX/2017. I never heard from XXXX after the XX/XX/2017 payment was accepted until I unexpectedly received the " Notice of Default '' dated XX/XX/2017. I have always told Keybank I am keeping the house, I live in the house and I want to work with them. I also mailed a Modification packet to Keybank at the end of last year and now Key Bank has told me they have no proof of receipt. Also, during my phone call with XXXX XXXX he started to get an upset, loud and then he hung up on me during the conversation. ( recorded conversation will confirm ) I called right back.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I made an online international wire transfer from Chase Bank to an account of XXXX at XXXXXXXX XXXX in the Philippines in the amount of {$92000.00} at an exchange rate of XXXX which should have been converted to {>= $1,000,000}, however, the transfer was rejected. I then received a phone call from XXXX on the XXXX around XXXX telling me that I needed to resubmit the transfer online because it had been rejected. I then resubmitted the transfer for a second time but that was also rejected. The representative stayed on the line while I resubmitted the transfer for a XXXX time which then was completed successfully. I asked him at what rate the transfer would be received, and he told me it would be received at the rate at the time of the completed transfer, which was at XXXX on the XXXX. XXXX called me on the XXXX to say they had not received the transfer and wanted proof that I had sent it on time. 
Then on the XXXX, they called me again to say that the amount received by XXXXXXXX XXXX was actually XXXX. XXXX and XXXX Bank also claims that they didn't receive the transfer until the XXXX and is requesting that I pay the difference of XXXX or they will impose penalties on the balance. I went to Chase Bank ( XX/XX/XXXX ) in XXXX XXXX XXXX Fl, and spoke to XXXX. I asked her to explain why the funds were debited from my account on the XXXX and not sent to XXXXXXXX XXXX until the XXXX. I also asked where the funds had gone to since it was debited from my account on the XXXX, and I also asked at what rate was the funds sent. She replied that she did not have any information about this, but she will email the department responsible ( since there was no way to contact them by phone ) and would give me an update. The following Tuesday ( XX/XX/XXXX ), since I did not hear from XXXX, I decided to visit the bank again, where I spoke to someone else who said she would call XXXX, ( since it was her day off ) and follow up with me. She called me to say that the wire transfer department had not responded as of yet, but she will keep me posted when they do. I didn't hear anything more from the bank, so the following Tuesday, ( XX/XX/XXXX ) I went back to the branch and left there with no answers again, and this time a banker said she would follow up with the previously sent email and call me. This was never done. I did receive a call from customer service after that visit, where the person said that she would follow up on the emails and escalate the claim. Since then, haven't heard anything else. Today, XX/XX/XXXX, I called customer service to see if anyone there could give me some answers, but I left there even more confused.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion has to remove ... XXXX XXXX ... XXXX XXXX XXXX ... XXXX ... XXXX XXXX ... XXXX
Product: Debt collection

On XX/XX/23 I got a copy of my consumer report and there were some inaccurate items being reported. XXXX XXXX XXXX XXXX and XXXX XXXX. I requested proof of these alleged debts based on 15 USC 1681i ( a ) I never received any correspondence in relations with these accounts. I also noticed that the dates are not matching up with all agencies involved. I have included evidence of these inaccuracies along with this request. If you can verify these accounts then I want a copy of the evidence used to verify these items.
Product: Credit reporting or other personal consumer reports

I have had a credit representative sending bi-monthly letters to challenge the veracity of the information that they have listed on my credit report. The most recent letters to me have come mid XXXX, 2024. My representative has been sending letters to XXXX, XXXX and TransUnion. Both XXXX and TransUnion have responded by both email and USPS mail stating We recently received a request that included your information, but it didnt appear that you or a properly authorized third party sent it to us. We take the privacy and security very seriously, so we wont process requests unless they come directly from you or an authorized third party. If youre working with a third party such as a credit repair company or credit clinic they have to identify themselves in their communication to us, and provide proof that youve authorized them to communicate with us on your behalf. TransUnion and XXXX go on to talk about how I can dispute this on my own and that theyre misrepresenting my credit information and blah, blah, blah about the credit company acting unlawfully. My representative has been sending these challenge letters for MONTHS now to all three credit reporting agencies and has represented herself legally from the beginning. Interestingly XXXX has sent NO communication at all to me. By the way, these letters all contain a picture of my drivers license, social security card and a utilities invoice to prove my identity. I am tired of their stall letters and want them to investigate my report. And please contact XXXX about their complete and total silence. They too are not doing their job.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  account XXXX XXXXXXXX was a result of identity theft and explained to experian what happened and presented experian with evidence and facts and as a result experian removed the account experian then proceeded to place the account back on my credit report with out giving me a reason Experian failed to explain to me how the information was investigated or want method they use to investigate the information was vague and ambiguous it was not properly investigated
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent all legal documentation including police reports. Doe some reason the only reporting company that has fixed anything is XXXX. XXXX and Expierian have refused to follow legal obligations. I have complained several times and all they do is dispute accounts that legally have to be removed.