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

On XX/XX/2023 Citibank lowered the credit limit on 2 out of the 3 credit card accounts I carry with them ( to an amount under {$100.00} away from the balance I carry ), and when I called on XX/XX/2023, their customer service department refused to offer me a reason or explanation as to why. I am not a credit risk, have been a long-time account holder with the company, and feel like this is a scammy business practice they're running to push consumers over their newly decreased limits so they can collect over limit fees when interest or automatic payments post. Not to mention, this changed my revolving credit of under 30 % usage to 100 % usage instantly, which is not at all how I manage my credit. I have had no dramatic credit score change nor has my income changed. In the time I have been a Citibank consumer, my cards have been compromised more than once, and I was already skeptical about the security of my accounts with them before this occurred. 

I have arranged to move my balances from those two cards to another card I carry with a different company, and plan to cancel all cards with Citibank when the balance transfer is complete. 

I will not risk the health of my credit for a company that wants to participate in such shady practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX : {$3100.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$620.00}
Product: Credit reporting 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 any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Original dispute : XXXX XXXX, XX/XX/XXXX Paid in full : XX/XX/XXXX 2021
Product: Vehicle loan or lease

I refinanced my mortgage which consolidated all my debt. This included my loan with Santander Consumer USA. As with all closings, the title company called and requested a pay-off amount. The closing took place late XX/XX/year> and all checks were mailed to me for forwarding. I logged into my online account prior to mailing Santander a check. The check that I was about to mail was more than what I owed. This prompted a telephone call. The clerk reassured that the overpayment and title would be mailed to me. I've been waiting for said documents which I haven't received. I called today and they indicted I still owed {$710.00}. In addition, I noticed they charged me {$810.00} for interest for 1 month after receiving my payoff amount of {$21000.00}. I'm not sure how this is possible and it's unfair. I feel I'm being mistreated and overcharged since the loan was for only a few months instead of full term.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint and request your assistance regarding a debt that has been inaccurately reported by XXXX XXXX XXXX XXXX, account number XXXX, across all three major credit bureaus : XXXX, XXXX, and TransUnion. 

On a prior occasion, I requested a contract assignment and validation of this debt from the credit collection agency ; however, despite more than 30 days having passed, I have not received any of the requested documentation. The failure to provide this information within the legally required timeframe is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Furthermore, I have identified significant discrepancies in the way this repossession is being reported by the credit bureaus : 1. One credit bureau is displaying no payment history for this account.

2. The other two credit bureaus are inaccurately reporting multiple months of repossessions, when in reality, a repossession only takes place once. 

This misrepresentation is not only damaging but also extends the statute of limitations, which is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The FCRA mandates that credit reporting agencies ensure the accuracy of the information they report. 

Due to these inaccuracies and the failure to validate the debt, I am requesting that the Consumer Financial Protection Bureau investigate this matter and assist in having the incorrect repossession entries removed entirely from my credit reports. 

I respectfully ask for your prompt attention to this matter. I am requesting that you ensure that the credit bureaus correct this misrepresentation and provide an updated and accurate copy of my credit report. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The document XXXX XXXX has uploaded is NOT VALID. I have mailed XXXX XXXX  a copy of my correspondence that they should have received in 2016 along with recent identity theft report made with the FTC as well a copy of my LEASE amendment that was signed and dated in XX/XX/XXXX 2016 along with a summary billing statement that I received upon request from XXXX XXXX. My utility company at that TIME when I RESIDED IN NEW YORK STATE. I DID NOT EVEN LIVE IN THE STATE OF ALABAMA. The signature on said document does not even match the signature on my LEASE. HENCE, the reason its called IDENTITY THEFT. My RELATIVE had another Photo ID, birth certificate AND social with MY name on it. HER ACTUAL license has been suspended for YEARS hence the reason why she probably had to steal my entire identity just to get a vehicle and auto insurance and gas and cable. I will be consulting a lawyer on this matter should this information wrongfully remain on my credit report. By all means feel free to contact the apartment complex management office AND utility company to verify the documents presented. For all I know she has an employee at XXXX and at the dealership who worked with her to cook up this fabricated MESS
Product: Credit reporting, credit repair services, or other personal consumer reports

I am responding to kohl/ capital response. XXXX this account is a charge off, I paid off this account, it is being reported with a balance of XXXX and a charge off as of XX/XX/XXXX and scheduled to continue until XXXX, I am not asking to remove negative remarks, I am asking to investigate this account, as stated earlier I paid it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a truck loan with XXXX XXXX last week and I was approved. I never had any issues with someone trying to obtain credit under my name before I applied for a car loan. 

I got an alert that someone applied online with Apple with Goldman Sacs or a Apple credit card which I never applied for. I called Apple letting them know this and to close down the account, they would not and gave me the worse customer service I have ever had. They told me I needed to file a police report to get this taken care of. 

I called XX/XX/XXXXto get this off my report, but they said I needed to get a hold of CFPB to file a complaint first to get it off. 

I had this same issue with XX/XX/XXXXand XXXX XXXX, and I called up both companies, and they told me they will send me a letter as well as send a letter to the credit bureaus to take off the inquiry, so they were very helpful, but XX/XX/XXXX and Apple/Goldman Sachs was not. 

Please have the hard inquiry with XX/XX/XXXX taken off of my credit report as I did not apply for an Apple Card.
Product: Credit card

I had a previous billing dispute with a fraudulent and highly abusive merchant. This dispute was related to moving charges in XX/XX/2023. I was in direct communication with this merchant in XX/XX/2023 to settle my claims against them because Citi failed to protect me during the billing dispute process. During my communications, the merchant became agitated with and proceeded to use my credit card number they had on file and charged my card WITHOUT my authorization in an amount of {$7600.00}. This was a fraudulent charge and again I did not authorize the charge. The merchant told me they could abuse the chargeback system with Citi and therefore were playing games to charge me card. I immediately called Citi to inform them of the fraud. I spent XXXX minutes with them on the phone where I was bounced around between fraud and billing disputes. Citi did not have an ability to cancel the authorization -despite it being fraud. Again, I did not move twice and I did not receive any goods or services for the XX/XX/2023 unauthorized transaction. I was alarmed that Citi was unable to detect this as fraud, given it was a duplicate charge from XX/XX/2023 and the merchant and I were involved in prior billing disputes. I then had to go back and forth with Citi for 2 weeks, providing proof that this was fraud and unauthorized. The entire process provided insight to how incompetent and chaotic Citi 's billing dispute department really is. I was given conflicting and contradictory information ( this wasnt the first time this has happened ), which could have been detrimental to my ability to recover these funds. The funds have been refunded by the merchant likely because XXXX XXXX realized the wire fraud they committed and the legal consequences for their actions. However I spent over 10 hours on this issue which was easily avoidable if Citi had the appropriate fraud protection controls in place. My account should never have been charged this amount without some fraud protection alerting me to the unauthorized use of my card. Citi did not apologize and again their incompetent systems and department threw up their hands. I filled multiple disputes on this latest charge trying to get my available credit back onto my account. Citi failed me. they did not protect their consumers. Luckily the deranged and psychotic merchant came to their senses, but I received a credit in NO PART DUE to Citi. 

Citi knew I was in dispute with the merchant. Citi knew this was a duplicate charge. And Citi should have had the controls in place to avoid this. Instead they failed me as a consumer and allowed a crazy merchant to make unauthorized and fraudulent charges on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Number : XXXX Date of Birth : XX/XX/XXXX 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 ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 # XXXX 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: Checking or savings account

On XXXX I filed complaint # XXXX with the CFPB. That was also the day that Bank of America says they would be sending me a new debit card ( the previous card was cancelled due to my reporting an unauthorized charge ). Today I contacted the bank to see why I had not received new card and I was told that the card was ordered on XXXX but that my account was flagged for fraud and that I had to speak to the fraud department. The fraud department said that the risk department were the only people who could help me..I was placed on hold on excess of 8 hours with every transfer from person to person I spoke to but still no answer as to why this is happening. The last fraud person named XXXX that I spoke to said that I was basically being " penalized for reporting the unauthorized transaction '' the call was supposed to be recording so I am hoping that can be accessed to prove what I have stated. He then told me I would have to be placed on hold for " at least an hour so I could talk to someone in the risk department. Meanwhile, my account is blocked, I have no new card, and I can't transfer my money to another account. I have past due bills to do pay, no groceries AGAIN because of this bank of and they are not providing any resolution or answers. I am left assuming this is a retaliatory action and just need to resolve this somehow so that I can receive my much needed money.
Product: Credit reporting

There are negative items still being reported on my credit file that are incorrect. I have been successful getting XXXX to remove but XXXX and EX are being difficult. The following items are reporting erroneously on XXXX & EX ; BNKRPTCY ( all XXXX ) XXXX, XXXX, XXXX ( ex only ) XXXX, XXXX, XXXX ( ex only ). I have asked that they verify the address on these accounts because it is n't mine but they continue to report it. There are also a number of inquiries that were removed then put back on by XXXX. Experian is showing XXXX twice and XXXX XXXX, all unauthorized. Attached is email exchange that received no response for XXXX and Letter not picked up for XXXX ( XXXX ) I have also attached my credit report from XXXX/XXXX/13 showing there is no statement on any disputed negative item. Not until XX/XX/XXXX did they notate any disputes and it was n't all of them. I also attached the file from XX/XX/XXXX showing no Inquiries on XXXX now today I have XXXX! XXXX XXXX and XXXX XXXX should have already been deleted. I am adding the documentation that supports that. XXXX XXXX on XX/XX/XXXX and XXXX XX/XX/XXXX were not authorized. The letters I sent them were not addressed with acceptable answers, if any answers at all.I should have submitted plenty of infor to support getting this straightened out. Thank you
Product: Debt collection

I am the consumer, the natural person and original creditor as pursuant to 15 usc 1692a ( 4 ). I do not validate the alleged debt from Capital One. Capital One has violated my federally protected consumer rights. As pursuant to 15 usc 1602 ( j ) I the consumer have a open end consumer credit plan, and the account doesn't reflect that which is a violation of my consumer rights. Capital One has attempted to communicate through the mail in connection with a alleged debt and without my prior consent, which is a violation as pursuant to 15 usc 1692c ( a ). Capital One 's conduct is harassment as pursuant to 15 usc 1692d ( 2 ) in connection with the attempt to collect the alleged debt. Capital One has used false and deceptive representations of the amount of the alleged debt which is a violation as pursuant to 15 usc 1692e ( a ). If the alleged debt is owed why is there a positive balance? Capital One has shown unfair practices using symbols on the envelopes which is a violation as pursuant to 15 usc 1692f ( 8 ). Capital one has furnished deceptive forms as pursuant to 15 usc 1692j ( a ), since I am the original creditor and I am not participating in the collection of the alleged debt. I have notified Capital One in writing that I refuse to pay the alleged debt and wish Capital One to cease & desist further communication. As well as sent an affidavit and validation of debt requesting to tell me who is the original creditor, all sent certified mail along with a an invoice. Since Capital One has failed to comply with provisions of 15 usc 1692 Capital One is liable as pursuant 15 usc 1692k ( 1 ) and 15 usc 1692k ( 2 ).
Product: Debt collection

Took out an auto loan/truck repossessed in 2001/never heard anything else from these people/have applied for credit/had nothing ..literally nothing on my credit report/then about maybe a month..out of no where i received something where I owed them with all of this interest out of no where ... no other paperwork or anything/I recently had XXXX ... so was n't up to par and I guess I did n't respond in time then a couple weeks later a judgment was made ... we are talking XXXX YEARS LATER..there has to be statue of limitations here that have been violated ... I need help desperately ... and do n't know where to turn
Product: Credit card or prepaid card

I mailed a check payment to the address that was on my statement which was Bloomingdale 's, XXXX XXXX XXXX, XXXX XXXX, MO XXXX on XX/XX/XXXX. I included the payment coupon from my statement with the check. I wrote my full account number on the check. The check was in the amount of {$1100.00}. I sent the check via certified mail. The check was delivered on XX/XX/XXXX and cashed XX/XX/XXXX. I have called Bloomingdale 's customer service several times about my payment to no avail. I faxed them a copy of the front and back of the check on XX/XX/XXXX. My payment has not been posted to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$1900.00} XXXX  XXXX {$2600.00} XXXX XXXX {$4400.00} XXXX XXXX {$240.00} XXXX   XXXX {$170.00} XXXX XXXX {$270.00} XXXX XXXX {$360.00} XXXX   XXXX {$570.00} XXXX XXXX {$710.00} XXXX XXXX {$440.00} XXXX   XXXX {$240.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX {$3500.00} XXXX XXXX {$2700.00} XXXX XXXX {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get my free annual credit report from Equifax on XX/XX/2018 which is more than one year from the last report. I have tried using every web browser but I can not get this report, I am told that I would have to mail a substantial number of documents to them rather than receive the free report available online from the other report agencies.
Product: Debt collection

On XX/XX/2019 I sent letters to resolve an issue of debt with XXXX XXXX XXXX. On XX/XX/2019 they sent me a letter stating that the accounts were closed in there system and they requested it to be deleted with the credit bureaus. Currently XX/XX/2019 the accounts remain on all three report bureaus.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX has filed a foreclosure lawsuit. They have no rights to my note and mortgage and have created assignments and other documents to claim mortgage ownership.
Product: Debt collection

XXXX XXXX 2016 I purchased some items from XXXX with a valid credit card. I saw the items pending on my account, received the items. In the month of XX/XX/XXXX they tried to recharge my same credit card for the amount again, I stopped payment. They called me and asked for another credit card number they could charge and I refused because i believed I had paid them already. They sent me to collections and the day I received something in the mail I called. The collection agency claimed they never received payment from my card and that they had put to 360 days to recharge my account legally. I contacted my credit card and confirmed that they never finalized the transacting in the 90 days it sat pending and so it fell off. My XXXX account said they can not legally charge my credit card 4 months later because they made a mistake. I am now being threatened with fees and court over this issue that is a result of poor management.
Product: Credit card or prepaid card

Capital One Bank refuses to credit back all credit card charges made to my card, even after merchant did so.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate account information listed on my consumer report by Experian, as obtained on XX/XX/year>. Upon reviewing the report, I have identified discrepancies in the information furnished by Experian. I have identified inaccurate monthly payments and account balances. It has come to my attention that there are potential violations of federal consumer protection laws in the handling of my credit information. 
I have not received a response from this company. My tracking number is XXXX. Listed below are the accounts with inaccurate information. 

XXXX XXXX XXXX Open date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XXXXOpen date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XXXXOpen date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XXXXOpen date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX  XXXXOpen date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XXXXOpen date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XXXXOpen date not reporting correctly, date last active , date of last payment is not correct, this account is not accurate XXXX XXXXOpen date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXXOpen date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XXXX XXXX XXXXOpen date not reporting correctly, date last active, date of last payment is not correct , this account is not accurate XXXX XXXX XXXX XXXXOpen date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate Under 15 USC 1666 ( B ) and 15 USC 1637 a ( a ), it is explicitly stated that reporting a payment as late on an open-ended credit plan is impermissible under any circumstances. Additionally, according to 15 USC 16819 ( B ), consent from the consumer is required before furnishing information on their behalf. To date, I have not granted such authorization to Experian.