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

I was originally a new customer with Citi Bank and only had the account opened for a few weeks and right after I got my second deposit from my job Citi Bank decided to close my account. Then went to inform me that they couldn't give me any other information in regards to why or even what happened to the account and that a check would be issued within 30-60 business days, I still have currently {$800.00} dollars in the account that I have absolutely no access to as if bills just stop and here it is 30 business days in and no new information, no check in the mail I'm pretty sure no check will ever come. I've called and tried to receive any updates and they keep hanging up in my face or putting me on hold, and also told me wait an additional 60 business days, I also tried contacting a branch to see if they had any info they could give but the bank manager answered the phone and straight up told me " Citi Bank picks and chooses who they want to bank with and it's not you " and hung up the phone in my face as well. At this point I'm out of options and I need to figure out how to get my money back from this fraudulent bank. I am not the first victim of this exact issue, this is something Citi Bank does on a regular basis I just wish I new before banking with them and trusting that my money would be safe.
Product: Debt collection

contacted XXXX XXXX  after dispute was filed with XXXX XXXX XXXX, was notified by them that XXXX XXXX needed authorization before proceeding contacted XXXX XXXX to provide the authorization that requested to investigate the account, when tried to reachh XXXX XXXX they failed to offer me authorization, investigate the account acted as if they knew nothing in which they told XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX failed to provide me a " Right to Cure '' and this account is still being reported to credit bureaus although it is involved in litigation. They continue to friviously report in retaliation against me to all 3 credit companies although this account is involved in pending litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I had a grant overpayment assigned to XXXX XXXX XXXX. The XXXX XXXX XXXX began reporting the item to Experian in XXXX. The consumer reporting laws state that a negative item can only be reported for seven years. In XX/XX/XXXX, I paid the debt in full and my credit report reflects that. However, the month and year that the item went into collections is incorrect. This is long past the amount of time the item can legally be reported. Despite my disputing the item for correction at least a couple dozen times, Experian continues to report this. I have provided more evidence than needed of this. Experian continues to report that this item entered into collections on the same day that I paid it off, instead of the actual collections date of XXXX XXXX which has restarted the seven year time clock on an item that's actually ten years old now. XXXX and XXXX were reporting this same item correctly and as a result, the item fell off without my involvement.
Product: Checking or savings account

On three separate occasions I used the pay anyone feature at Chine Bank. You use the person 's phone number to send them funds and they can access the money even with no Chime account. I entered my XXXX XXXX XXXX phone number correctly ( verified on XX/XX/24 by Chime ) but apparently they have an account already associated with her phone number and told us she already had an account and I couldn't get the money returned bc it had been claimed. There's no way it was her as she was XXXX at the time and could not even open the account. The account has to be fraudulent and even has her first name attached. The error is clearly there's bc she has had this phone number for XXXX years. I was on the phone for over an hour trying to rectify this bc I did nothing wrong. I attempted to send my daughter cash on three occasions to her own phone and they gave it to someone else. They it in a dispute and less than XXXX hours later denied the claims.
Product: Student loan

AES American Education Services is not following the COVID rules of repayment until XX/XX/21. I am getting harassing calls and my credit score is getting destroyed.
Product: Credit card

Chase changed the credit limit on the account ending in XXXX in XXXX XXXX after stating that this account ending in XXXX should have been deleted from my credit file during an investigation by the OCC in XX/XX/XXXX. Yet, this account, which is my original Chase account opened in XX/XX/XXXX is still being reported as open and active as it should be, but was hidden from me until XXXX XXXX when I called Chase as to why they reported XXXX accounts when I only had XXXX, Chase admitted they had mirrored my original account ending in XXXX and would send me a letter and an apology. Instead Chase told OCC they deleted the call and did not send that letter, but instead sent a letter dated XXXX XXXX, XXXX stating that the XXXX account was still reflecting on my credit file and they were requesting it to be deleted. Afterwords I monitored my Chase credit accounts very closely through XXXX. I was surprised that Chase had changed the credit limit on the account they requested to be deleted. I filed another complaint with cfpb and the result shows on my current XXXX credit report that Chase is reporting this account open and active. Chase did not report to XXXX and XXXX my account ending in XXXX in my credit report all these years. XXXX and XXXX have incomplete information with my Chase credit account history for account ending in XXXX. Chase mirrored my XXXX account in year XXXX, hid it in my credit report without issuing me a credit card ending in XXXX and saying that it was upgraded and did n't exist. But, this account does exist as Chase is still reporting it open and active in my XXXX XXXX, XXXX credit report. I paid Chase XXXX payments {$7500.00} XXXX because I did not want my credit to be ruined because of Chase 's error. .I am attaching the letter from Chase dated XXXX XXXX, XXXX credit report dated XXXX XXXX, XXXX credit report dated XXXX XXXX, and XXXX credit report dated XXXX XXXX. I would like my credit report to reflect my credit history which I have worked very hard to keep in good faith and good standing. Chase needs to explain why they changed the credit limit on the XXXX account AFTER they requested it to be deleted from XXXX as stated in their letter.. Chase needs to explain why they did not report my credit card ending in XXXX to XXXX and XXXX, alll these years especially since they are reporting it active and open since XXXX with a long good standing history to XXXX. Chase needs to explain why they accepted all the payments I made to them on an account that was mirrored from my original XXXX account and not a real balance.
Product: Credit reporting or other personal consumer reports

I checked my credit report, and I saw a bunch of information that doesn't belong to me, from personal information, unauthorized inquiries, and account debts with several creditors and lenders that I don't recall having transactions with. I reached out to Experian, XXXX, and XXXX to dispute the inaccurate information, and it appears that they don't take my dispute seriously as I haven't received any feedback from them and it's been more than days already since I sent them a letter to conduct an investigation.
Product: Debt collection

I am a victim of identity theft and I am requesting for Bank of America to delete and remove this fraudulent account immediately from my XXXX credit report. I have never had any accounts with Bank of America. Also this fraudulent account was opened over seven years ago. Bank of America is violating my rights. I have attached a FTC report to this correspondence. Bank of America has four days to remove this fraudulent account or legal actions will be taken against your company.
Product: Payday loan, title loan, personal loan, or advance loan

They continue to practice securities fraud as they have not returned any of my monthly dividends to me and they are also committing tax invasion by not paying the taxes on the profit/income they are receiving. The trustees, indenture trustees, CFO, CEO, parent company, and its affiliates are committing organized crimes ( XXXX ) by knowingly committing the previously mentioned offenses.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602, which states I have the right to privacy ( 15 USC 1681, section 604a, section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a XXXX XXXX XXXXXXXX customer for XXXX  years with an authorized checking account and an exceptional payment history with my XXXX XXXX XXXXXXXX mortgage. 

On or about XX/XX/XXXX, I learned for the very first time, via Experian that I have been a victim of identity fraud associated with the following fraudulent credit cards and checking account : Fraudulent XXXX XXXX  XXXX Credit card ending : XXXX Claim number XXXX Amount : {$3600.00} Fraudulent XXXX XXXXXXXX XXXX Credit card ending : XXXX Claim number : XXXX Amount : {$11000.00} Fraudulent XXXX XXXXXXXX XXXX checking account : XXXX XXXX XXXX I have never resided at, occupied, utilized, or otherwise used the following addresses and phone numbers. 
the address located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; the address located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone : XXXX ; XXXX ; On or about XX/XX/XXXX, I called XXXX XXXX XXXXXXXX to inform them about the inappropriate use of my identity to open XXXX credit cards, but there was no history that they could identify. I received XXXX case numbers from a XXXX XXXX XXXXXXXX representative XXXX from XXXX  and that they will seek to remove it from my credit report : XXXX ( overdue balance of {$11000.00} ). 
XXXX ( overdue balance of {$3600.00} ). 

On or about XX/XX/XXXX, I spoke with another Bank XXXX XXXX rep and used the fraudulent phone number ( XXXX ) on file to locate these fraudulent accounts and thats when she filed the claim. 

On the fraudulent credit card, between XX/XX/XXXX, XXXX XXXX XXXX, the fraudster was in New York XXXX Meanwhile, my active XXXX credit card states that between XX/XX/XXXX XXXX XXXX, XXXX, I was in XXXX and XXXX XXXX XXXX CA. I cant possibly be in XXXX places at once. 

On the fraudulent credit card, between XX/XX/XXXX XXXX XXXX, XXXX, the fraudster was in XXXX. Meanwhile, my active XXXX credit card states that between XX/XX/XXXX XXXX XXXX, XXXX, I was in New York XXXX XXXX Again, I cant possibly be in XXXX places at once. 

It is not a best practice to open credit cards while getting a mortgage : I received my Bank XXXX XXXX mortgage in New York XXXX on XXXX XXXX, XXXX and I was moving on XX/XX/XXXX. I rented a Uhaul on my Chase credit card on XX/XX/XXXX in New York XXXX, as stated in my Chase credit card statement. So there's no way that I can be in California opening XXXX fraudulent Bank XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX. 

I am not the XXXX XXXX that received statements or made payments at XXXX XXXX XXXX XXXX, XXXX, NY XXXX and/or XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 

Bank XXXX XXXX sent me credit card statements and checking account statements where the account ending does not align with the claim numbers.
Product: Checking or savings account

Was incorrect charged {$510.00} by XXXX regions bank only returned {$130.00} and charged me an overdraft fee of {$36.00}
Product: Consumer Loan

I have filed complaints against Prestige Financial Service in regards of interest rate and vehicle purchase.Please review filed complaint # XXXX
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Carmax Auto Finance Debt was paid in full with XXXX XXXX insurance in 2017 Debt Settled and still on my XXXX and XXXX Credit Report
Product: Vehicle loan or lease

New XXXX XXXX financed with XXXX XXXX XXXX, a 84 month loan issued in XX/XX/XXXX. 
Made payments of $ XXXX for almost 60 months. 
Had XXXX XXXX XXXX in XX/XX/XXXX, XXXX XXXX for 12 months, could not return to work, with SS and Pensions ( 2 ) income could still make payments. 
Due to medical bills, I missed 3 payments. 
TD Auto Finance issued Seizure order and took car on XX/XX/XXXX. 
Wanted to bring loan current by paying the 3 months due in full, would not accept that, instead wanted the full balance of loan ( thru 84 months ) {$11000.00} paid to be able to redeem vehicle. 
TD Auto Finance refused to negotiate any offers made by me to bring loan current. 
TD Auto Loan account # XXXX Last six VIN # XXXX Note : In XX/XX/XXXX filed a XXXX XXXX bankruptcy, however, did not include TD Auto Finance in that filing, wanted to continue making payments directly to TD Auto Fianance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX " XXXX XXXX '' sent me a regular quarterly report on my rating by the 3 major credit agencies ( XXXX, TransUnion, & XXXX. As to TransUnion, they showed credit activity of someone named " XXXX XXXX XXXX '' ( my name is XXXX XXXX- no middle initial ) ; it also showed employers, etc,, for XXXX XXXX XXXX where I was never employed, and similar errors arising from the mistaken consolidation of my records with his. I called TransUnion last week and told them about it, and they said they would correct it and send me a correction. The sent me a correction which dropped all reference to " XXXX XXXX XXXX ''. BUT the purportedly corrected report showed a number of credit accounts where the account numbers are not mine, and it also failed to show a number of my own accounts at the same banks, etc., I called them again this morning, told them about it, and they said they would transfer my call to " special handling '' -- but they did not transfer its=, hung up ( after a half hour on " hold '' ), and I finally realized that this outfit is just hopeless. If there is some way to get these people to pay attention to correcting their own sloppiness and behave responsibly, please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against Experian XXXX XXXX. I have had months of call in to their Customer Service and been given a run around, abused, and had to deal with angry representatives. Today I had a conversation with Rep named XXXX and XXXX who were very agitated and upset why I was calling. Normally a dispute takes 30 days to resolve. 
I informed them that their rep who I spoke back in XXXX of 2020 told me that the collection account which is paid off and is showing on my credit report for more than 12 years will be removed. Secondly, the older accounts keep on appearing on my report, it doesn't show up for 2 years, then all of a sudden it shows up again just from few days. 
I was wanting to discuss about these, and XXXX was very angry, she said she is working from home, and is in New Years vacation mood, does not want to go in detail, she was yawning, pausing a lot, and very upset why I was calling. She further commented how good her Credit is and I am not paying my bills that is why I am been reported!! She told me that it will just take her few minutes to file a dispute " her way '' and resolve it without researching on it. She disputed on these accounts and sent me results same day without even working on it and researching just because she was ANGRY AND UPSET THAT I CALLED.
Product: Credit reporting or other personal consumer reports

I had a PPL ( Parent Plus Loan ). My mom was approved for forgiveness and the loan was cancelled and cleared from her credit report and I have disputed this on my credit report but it has not been removed as well as other incorrect information and neither of the 3credit bureaus ( XXXX, XXXX, XXXX ) have removed these negative remarks from my credit report no matter how many times I dispute them. 

I never had an account with XXXX. I disputed this account as well and it is still on my credit report causing a negative impact. Ive not heard anything back from the credit bureaus about this issue either.
Product: Debt collection

After verifying if your company is licensed in the State of California as a collection agency, NMLS consumer access states Sequium Asset Solutions , LLC is not licensed in California, and I have already paid this account in full. Therefore, I hereby request that you immediately cease and desist all oral and written communication with me, along with my family and friends. You are hereby notified that if you do not comply with this request on the day, you receive this letter, I will be immediate file a complaint with the Federal Trade Commission and the XXXX Attorney Generals office and other appropriate regulatory bodies. Civil claims may be pursued. Please inform any credit reporting agencies to which you have reported this debt to, that this debt is currently in dispute. I will require proof that you have done this. You are also required to cease and desist from contacting me in this and any related matters unless it is by United States Mail, and only for the purpose of informing me that you are terminating all efforts to collect or that you are taking specific court of legal action. 

Thank you for your cooperation in this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XXXX XXXX there were several unauthorized atm withdrawals from my account in the amount of {$200.00} each. The total came to {$800.00}. I did not receive a singe txt freud alert message from chase. Attempted to put in a claim to resolve the issue. After speaking to countless customer service representatives, it was determined that I was responsible. JP MORGAN robbed me on purpose. They have the FDIC TO COVER THEIR LOSES. I have. They loose in the end.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX Balance : {$2500.00}, XXXX  XXXX Balance : {$760.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Original XXXX : XXXX ) XXXX Balance : {$1300.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00}, XXXX XXXXXXXX Balance : {$3200.00XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been going back and forth on numerous occassions with XXXX, Experian and XXXX regarding Bankruptcies placed on my credit report. ref # XXXX and XXXX. Based on the letter I received from United States Bankruptcy XXXX XXXX XXXX XXXX Georgia stating that it does not provide information to credit reporting agencies. Due to Bankruptcy cases information being available for any interested party to review. According to 15 U.S. Code 1681b - Permissible purposes of consumer reports : ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. They need my written consent to add anything to my consumer report. I didnt give any permission nor consent or authorization for this action to take place on my consumer report. This is a violation to the Fair Credit Reporting Act. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports, No adverse items besides the conviction of crimes should be on your report, any items that is a derogatory mark is not allowed into consumer reports this is another violation. 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card

Citibank. I had a dispute and was fearfully of card number being compromised. Citibank sent me a new card. On my end I did pay the card balance in full, as I 've done in all the 15 years I 've had the card. I made my payment 1 day late, payment in full. They charged me XXXX on my account.. I tried contacting Citibank but they refused to reverse the charge. I close the account and paid their penalty. I paid Citibank in full for all my charges and felt that a one day late payment in full should have a not be penalized. I work for a family run lumber yard and if we treated our customers such as above, they would n't come back to our yard. They did n't reverse the charges, therefore I am contacting you to see if the right thing could be done and credit me the charge. Your consideration is much appreciated.