23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Subject : Citi Bank Failed to Provide Provisional Credit During Fraud Investigation ( Dispute ID : XXXX ) To Whom It May Concern : I am filing this complaint to report Citi Banks failure to comply with federal consumer protection laws in relation to a dispute I filed regarding unauthorized charges on my account due to identity theft. 

On XX/XX/year>, I reported fraudulent activity to Citi Bank and filed a formal dispute under Dispute ID : XXXX. My card had been lost or stolen, and multiple unauthorized transactions were made without my knowledge or consent. I promptly followed Citis procedures, including submitting required documentation and communicating with their fraud investigation team.

Despite this, Citi Bank has failed to issue a provisional credit to my account while the investigation remains open. This delay is placing a significant financial burden on me as a consumer and appears to violate federal law.

Specifically : For credit card transactions, the Fair Credit Billing Act ( 15 U.S. Code 1666 ) requires that creditors acknowledge a dispute within 30 days and resolve it within two billing cycles ( not exceeding 90 days ). During that time, the creditor must not attempt to collect the disputed amount or report it negatively to credit bureaus.

If the disputed transactions involved my debit card, then Citis failure to issue provisional credit is a violation of the Electronic Fund Transfer Act ( 15 U.S. Code 1693g ) and Regulation E ( 12 CFR 1005.11 ). These regulations require banks to complete their investigation within 10 business days or issue a provisional credit if more time is needed. That has not occurred.

I have contacted Citi Bank multiple times for an update or resolution, but to date, no provisional credit has been issued and the matter remains unresolved. This is unacceptable, especially for a victim of identity theft who is trying to restore financial stability.

I am requesting the CFPB to investigate Citi Banks handling of this dispute and ensure that they issue the appropriate provisional credit and follow all required federal guidelines to protect consumers.

Thank you for your attention to this matter.
Product: Vehicle loan or lease

On XX/XX/2022, I wrote : To Whom It May Concern : I sent a letter to rescind my contract for the above loan number ending in XXXX to XXXX XXXX XXXX XXXX XXXX late XX/XX/2022. It was received by XXXX XXXX XX/XX/2022. I have proof of this, as the Certified Receipt was returned to me with a signature by an employee of XXXX XXXX. I have since received countless phone calls from XXXX XXXX requesting payment for the loan mentioned above. I requested someone from XXXX XXXX XXXX XXXX to give me a call or contact me regarding my claim to rescind the contract. Each representative, including supervisors from various departments claimed they did not have a contact number or email that was directly to the corporate office. I am displeased in discovering that information as that speaks to the integrity of XXXX XXXX as a whole that is unwillingly to deal with special circumstances that a lower-level tier departments are unable to do. 
I made referenced to 15 U.S.C. 1635 ( a ) ( b ) ( f ) and all information pertaining to that law to back my claim to rescind. XXXX XXXX never provided forms of rescission to me, nor did they make my right to rescind clear and conspicuous, as stated by the law mentioned above. As of this result, I wrote a letter to rescind, and XXXX XXXX had 20 days to come and pick up the property mentioned ( XXXX XXXX ). As of XX/XX/2022, they ( XXXX XXXX ) did not come, therefore, by LAW including EXTINGUISHMENT OF OBLIGATION CHAPTER 4 Article 1256 the creditor to whom the lender of payment has been made refuses, the debtor shall be released from responsibility by the consignation of the thing or summary. Meaning the property ( XXXX XXXX ) is now mine free and clear of any past/future due payments. As well, I will make mention that I have never been late on any payments, but XXXX XXXX has continued my payment as late and now in default. This I may add, is a defamation of my character, as it has now hit my credit report. I am now having to explain a false statement made by XXXX XXXX to other lenders because I am now looking for a vehicle to buy. I feel targeted by XXXX XXXX putting false statements on my credit report because they will not adhere by the laws, rules, and regulations given. I need someone to contact me within 10 days of this notice so that we can resolve this issue and move forward with the receipt of my just due Title to the vehicle. Otherwise, please accept this letter as my intent to sue by means of my defamation of character and not adhering to my rights to rescind said contract. 

Everything above is what I sent to the corporate office, and they continue to deny me my rights set by law. They are harassing and bullying me with phone calls and scare tactics of repossessing my vehicle.
Product: Credit reporting or other personal consumer reports

Some stuff thats on my credit report I did not have consent to or was informed plus my wallet with id and social had got stolen been trying to resolve issues on my report and got referred to you guys
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX ( perhaps coincident to the early spring XXXX hack ) my credit card activity had six or seven incidents of unauthorized use. I filed a report with the FTC and with my local police department. 

I decided it was best to freeze my accounts at the three credit bureaus. I confirmed that for the state of Oregon and because I was the victim of identity fraud, that I could freeze my accounts for free. 

XXXX was an easy freeze. 

I went on the XXXX site and asked for a credit freeze. I could only get one if I  paid {$10.00}. There was no option to select for those who were identity fraud victims and were entitled by Oregon State Law to a free credit freeze. XXXX  had a link which provided all the state laws regarding the charges for credit freeze. Virtually all were represented. Except one. As luck would have it, Oregon was missing. 

I called XXXX and selected " add or remove credit freeze. '' That selection put me in a loop which did n't allow me to pursue a credit freeze. After a few minutes, it dumped me out. 

I had a similar experience with Transunion. I attempted to freeze my credit on line. I was given no option for a free freeze because of the ID theft. I called Transunion, and also got looped through to a number of recordings and false choices which eventually dumped me out. 

This has been a challenging experience, having one 's personal information and ID stolen. It is made all the more onerous because the credit agencies make requisite remedies difficult, and communications to resolve the issue close to impossible. It 's unjust.
Product: Student loan

XXXX Lack of Communication Tanked My CreditThis Needs to Be Addressed I just found out that Nelnet reported my student loan payments as delinquent without any prior notification, and my credit score dropped from XXXX to XXXX because of it. 

Heres what happened : My loans were deferred, then deferred again. Payments were confusing as could be. 
Nelnet never contacted me to let me know payments were due againno calls, no emails, no mail. Completely unprofessional and seems illegal. On XX/XX/XXXX, they reported my payments as delinquent ( likely over XXXX  days ). 
I only found out because I happened to check my credit score on my XXXX app and saw it had tanked. 

I immediately called Nelnet, made a payment to bring my account current, and asked what they could do about the reported delinquencies they answered nothing. I asked them why I hadnt received any notices and found out all of their information on me was very outdated. They had the incorrect home address and email. They assured me they had made attempts to contact via phone, but I have no record of that.. 

I also sent an email to XXXX customer service explaining the situation and will update if they respond. 

Bottom line : Nelnet ( and other servicers ) should not be allowed to destroy credit scores without proper notice. Lets make noise so this gets addressed.
Product: Debt collection

I called XXXX  they have no record and I still see it in my record.
Product: Checking or savings account

While applying for the PA CARES ACT, i am a small busniess wirh all my accounts at PNC, im being told i cant link my account to receive funding!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX/XXXX/2016 XXXX, XXXX, Credit Card XXXX, XXXX XXXX XXXX, XXXX, FL XXXX - XXXX Consumer Financial Protection Bureau Case number - XXXX XXXX Credit Card # XXXX I received your respond on XXXX/XXXX/2016 and I am not happy with your response. 
It 's not a fair enough. On XXXX/XXXX/2016 when I called call center one of your managers Agreed to grant Visa card Credit Line of {$5000.00} Please check your call records .I feel like your bank treated me different way and due to my Race I will like I got discrimination. 
I will requested again please reconsider my request. 

Thanks XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$1400.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Employer - XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX  - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX AN XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX GXXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

ON XX/XX/24 I sent Transunion, XXXX, and XXXX a dispute regarding the reporiting incorrectly of certain accounts and they have not fixed these errors after many letters sent to them. They have also sent me stall letters as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is still being reported as an incorrect balance of {$700.00} on all my credit reports. The balance is {$5.00} I have documents attached showing proof of the correct balance. All 3 credit bureus has still not updated the balance in there system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to defame my character by reporting false and inaccurate information. They refuse to properly investigate the issues even after I have submitted and affidavit filed a police report, complaint with the attorney general and FTC. They continue to state that the accounts in dispute are verified by the creditor which is false misleading and down right fictitious. They did not remove any accounts while being investigated for fraud and identity theft as per congress, nor was it noted on my consumer file. I have requested their method of verification just to be given computer generated stall tactics as illustrated in the attached file. They continue to ask for my identification even though it has been given several times. They continue to violate my privacy, defame my character, and sell my personal and private information with out my consent for their profit in connection with the other financial institutions. They have attached my current address to accounts that where fraudulently opened at another address as evidenced by the files gathered by my lawyers. According to the IRS they are also placing accounts that are considered income that should not be on anyone report.
Product: Vehicle loan or lease

I am the victim of identity theft. There are accounts that were opened without my knowledge or consent. I became aware of these accounts and filed a police report with the XXXX XXXX XXXX XXXX. After further investigation I discovered it was a family member XXXX XXXX who stole my information and used to open fraudulent accounts. I have made all three credit bureaus aware that these are not my accounts and also sent in documents from FTC and police report. All three credit bureaus have ignored my request despite my police report and Ftc report. I have reached out to all three credit bureaus 4 times and no response.
Product: Student loan

I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 180 days past due as of XX/XX/XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Product: Student loan

Inability to regain control of my student loan account after financial hardship because late fees are outrageous and unable to gain a forbearance unless you are paid to current ;. Can not be current on the lawn without the forbearance due to not making enough money to make the extremely high payment amount. 

I can not choose all XXXX repayment options listed below, however, all XXXX options apply.
Product: Debt collection

I paid off my kay jewelers loam off in full and all of a sudden two years later they say I owe money
Product: Credit reporting, credit repair services, or other personal consumer reports

With reference to the letters dated XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, all delivered by recorded mail. In those letters I asked you to provide the following reasonably requested specific items : 1. Proof of Claim that the alleged liability has been created in the form of an original contract. 
2. Proof of Claim that the alleged liability exists in the form of a verified true bill signed by your client and charged to XXXX AND XXXX XXXX pursuant to the The Bills of Exchange Act 1908, Section 23. 
3. Proof of Claim that BANK OF AMERICA has the legal right and lawful authority to attempt to enforce collection of the alleged liability in the form of Proof of Agency. 

I hereby serve Notice that failure to provide Proof of Claim by BANK OF AMERICA has created a permanent and irrevocable Estoppel by Acquiescence, forevermore barring BANK OF AMERICA from bringing any and all claims, legal actions, orders, demands, lawsuits, costs, fees, levies, penalties, damages, interests, liens and expenses whatsoever, against XXXX AND XXXX XXXX. 

It is important that you acknowledge and understand that this is not a letter but a legal notice, which is a consequential specie of correspondence. I hereby declare that the law of agent and principal shall apply and that service upon one is service upon another. 

Furthermore, your failure to provide Proof of Claim in the form of the above reasonably requested specific items comprises the tacit procuration of BANK OF AMERICA agreement to the following lawfully binding terms and conditions : 1. That the alleged debt did not exist in the first place ; OR 2. It has already been paid in full ; AND 3. That any damages I may suffer, you will be held culpable ; 4. That any negative remarks made to a credit reference agency will be removed ; 5. You will no longer pursue this matter any further. 
6. You have not proven any debt. If you sell the alleged liability, and/or appoint an agent to act on its/your behalf in this matter, you will have broken our lawfully binding agreement and you agree to pay the following fee schedule.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 and XX/XX/2021 I sent letters to Experian Credit Bureau disputing the information being reported by XXXX XXXX XXXX. XXXX XXXX XXXX is an outdated account and the account has been paid in full. I also, informed them to that they are reporting delinquent when the account has been paid in full. I have yet to receive an update from Experian removing the inconsistencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items reporting on my credit file that does not belong to me. These items are reporting as a result of identity theft. 

XXXX XXXX - on XXXX  for {$5600.00} XXXX XXXX - on all 3 Credit Agencies for {$520.00} XXXX - on all 3 Credit Agencies for {$0.00} XXXX XXXX XXXX - on all 3 Credit Agencies for {$75.00} XXXX XXXX - on all 3 Credit Agencies for {$110.00} XXXX - XXXX XXXX XXXX XXXX - on Transunion for {$63.00} Please remove unauthorized inquiries from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Account # XXXX XXXX XXXX XXXX Recent Payment History : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

In accordance with the Fair Credit and Reporting Act this credit has violated my rights under 15 USC 1681 section six two states I have the right to privacy 15 USC 1681 it also states a consumer report agency can not furnish her account without my written instructions under 15 USC 1666 b a creditor may not treat a late payment on a credit card on a open and consumer credit plan as late for any purpose.
Product: Credit reporting 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. 

Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX was added to my credit report in error. This is not my account and I have never paid late. 

2. XXXX this is not my account. I was a victim of identity theft. 

3. XXXX XXXX the balance on this account is incorrect and I have never been late.
Product: Credit card or prepaid card

In XX/XX/XXXX My bank Bbva placed An inaccurate charge on to my credit report for a secured credit card. The problem is I put down a deposit of {$500.00} securing the credit card. My understanding was that with the initial deposit that if the card became late or delinquent the bank would remove the funds from the deposited amount. That never happened an its been on my credit report since the XXXX of XX/XX/XXXX. I have disputed, talked to a Mrs. XXXX on XX/XX/XXXX, a XXXX id # XXXX on XX/XX/XXXX, XXXX # XXXX ticket # XXXX she told me that the issue would be resolved, XXXX a XXXX XXXX brach supervisor, XXXX the XXXX XXXX brach bank manager this issue is still currently affecting me negatively XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is currently showing as reporting this negative and unknown on my Experian credit report. under XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, NJ XXXX ( XXXX ) XXXX, although they had previously corrected this as paid and closed. XXXX XXXX states it is not their account, however, the info matches their XXXX XXXX  Retail card services as shown on attached photo of their XXXX  page.