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

CFPB, this is my third complaint to you regarding Citi 's unfair practice towards its customer. The reasons I keep writing these complaints are : ( 1 ) I have not received a satisfactory answer and resolution from Citi, and ( 2 ) I strongly believe that this is an unfair and deceptive practice/policy of Citi that others might be victims of ( I have read similar complaints in XXXX  and CFPB ). 

Please try to put yourself in my shoes and tell me if this happens to you, it does not cause frustration and anger because you know it's a policy that victimizes the customer. 

Please read my previous complaints for details, but in a nutshell my family savings was locked on XX/XX/2020 under the excuse of " being reviewed for fraud '' and " being reviewed for closure ''. No one in the Fraud Department or Executive Response Unit ( ERU ) was able to confirm why because it is being reviewed by the " back office '' of which no one even at Citi is able to contact. They told me to wait 30-60 days for an explanation, then another 30-60 days for the account to be closed. So under this ridiculous policy, a customer can be locked out of their own money for a total of 120 days. 

It was only after multiple complaints to CFPB and XXXX  they finally released the funds. That is 63 days after many frustrating calls, emails, and complaints. Hours have been lost. Money have been lost ( I had to take a loan with transaction fee because I could not access my money ). Time have been lost. 

And the explanation Citi provided on why they close my account? Tell me if this is a satisfactory explanation : " Citibank maintains the right to close an account " ... at any time with or wihtout cause. '' We may try to notify you in advance should this be necessary, but we are not  obliged to do so. '' So it's a non-explanation explanation. So they threw their customer on the curbside because of what exactly? So Citi is saying to me : " We don't want you as a customer for reasons that we will not share with you, but we have no issue keeping your money during the long process, because we can make more money out of it for ourselves! '' Did they address the loan that I had to take? No. Did they address the lost time and potential interest? No. Not even an apology, just a cold letter with unsatisfactory explanation. 

Do they really expect me to accept this unfair treatment just because it is part of their " policy '' and " customer manual ''?
Product: Checking or savings account

On XX/XX/year>, I transferred {$100.00} worth of XXXX from my Robinhood account to my personal wallet after I saw that it went through fine. I proceeded to transfer the rest of my XXXX A flag came up on my Robinhood app that said I can only transfer {$5000.00}. With that, I proceeded to transfer the remaining {$4900.00} to my wallet. That transfer was rejected by Robinhood, and my account was frozen. I sent them a message because you can not call them. On XX/XX/year>. They sent me an email asking me to send pictures of me and my ID with my account still locked. They eventually called me on XX/XX/XXXX. The lady asked me some questions. Made sure of my identity and said it was unusual for me to transfer a small amount then try to transfer a bigger amount. I know this is common practice when transferring to a wallet for the first time. 
She told me everything seemed fine, and she would expedite getting my account open after that call. I got a flag on my app that took the place of the flag. That said they were reviewing it until the XXXX now they changed it to the XXXX. I tried multiple times to get in touch with them again. They wouldnt respond. They would actually ring my phone one time and hang up. I guess to clear me from their queue. As time went on, the flag kept moving from the XXXX to the second to the third of XXXX, then the next flag came up, saying " Were closing your Robinhood account due to recent account activities. We will notify you once were done. 
On XX/XX/XXXX WITHOUT MY KNOWLEDGE OR CONSENT they sold all my crypto and a little bit of stock that I had. I can not get in touch with them. They will not let you speak to anyone by phone and haven't responded to any of my emails that I sent through their app. and theyre not releasing my {$69000.00} that is in my account. 
As the market recovers, I am out of my funds. I have no way to contact them, not to mention. Im going have to pay taxes on my gains for selling securities that I had for long-term holdings. 

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

XX/XX/21 finance : I went into a car dealership with a check in my hand from my credit union to purchase a vehicle I didnt need any assistance from any outside companies so I dont understand why all these companies are on my credit report.
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 XXXX05B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX 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 addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These are the accounts in my name that stems from the identity theft : XXXX XXXX XXXX {$750.00}. XXXX # XXXXXXXX XXXX-Nov XXXX, XXXX XXXX XXXX XXXX {$200.00}. XXXX # XXXX open-Mar XXXX, XXXX XXXX XXXX XXXX XXXX. {$300.00}. XXXX # XXXX Open-Mar XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX {$4600.00} XXXX # XXXX. XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. $ {$9500.00} XXXX # XXXX OpenOct XXXX, XXXX XXXX XXXX XXXX. $ {$23000.00} XXXX # XXXX Open-Mar XXXX, XXXX XXXX XXXX XXXX. $ {$23000.00}. XXXX # XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX. $ {$720.00}. XXXX # XXXX. XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. $ {$3900.00}. XXXX # XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX $ {$150.00} XXXX # XXXX. XXXX XXXX, XXXX A copy of an FTC report listing the ACCOUNTS opened in my name is enclosed. My consumer XXXX credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer XXXX credit report, which includes the aforementioned bogus addresses. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as official documentation from the XXXX Federal Trade Commission demonstrating that the addresses listed above are all the product of fraud and identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is present on my credit report, as provided by your bureau. I am bringing this to your attention in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that consumers have the right to dispute any information they believe to be incorrect or incomplete on their credit reports.

The inaccurate information on my credit report is as follows : 1. Name : The name on my credit report is incorrect. My correct name is XXXX XXXX. 

2. Date of Birth : My correct date of birth is XX/XX/1990 ( XX/XX/1990 ). 

XXXX. Address : The address listed on my credit report is incorrect. My current and accurate address is XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. 

4. Phone Number : The phone number listed on my credit report is incorrect. My correct phone number is XXXX. 

5. Social Security Number : The Social Security Number ( SSN ) provided on my credit report, XXXX, is inaccurate. My correct SSN is [ Your Correct SSN ]. I have omitted my actual SSN for security reasons. 

I have attached copies of documents such as my driver 's license, utility bills, and other proofs of identity and residence to support the correction of this inaccurate information. I kindly request that you conduct a thorough investigation into these discrepancies as per FCRA guidelines.

Under the FCRA, you are required to investigate this dispute within 30 days of receiving this letter and, if necessary, provide me with a written summary of your findings. If you find that the information is indeed inaccurate, you must promptly update my credit report with the correct information and provide me with a copy of the updated credit report.

Additionally, I am requesting that you notify all creditors and entities that have accessed my credit report within the last six months of this dispute and the resulting corrections.

Failure to comply with the FCRA requirements may result in legal action against your bureau. I trust that you will take this matter seriously and expedite the correction process to ensure the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Dear sir or Madam, We the XXXX XXXX  XXXX XXXX. DBA XXXX XXXX XXXX are small furniture business, That on XX/XX/XXXX a costumer XXXX XXXX came to our store and purchased furniture in the amount of {$1500.00} and paid with XXXX credit card # XXXX Authorization code # XXXX XXXX invoice # XXXX dated XX/XX/XXXX at XXXX XXXX  and signed by Costumer. 

That About 81 DAYS later ON XX/XX/XXXX the customer files dispute saying " card was counterfeit '' That 3 days later on XX/XX/XXXX Bank of America Deducted {$1500.00} from our business account. 

That 5 DAYS After Deducting the above Amount we received Notice/ Dispute Summary from Bank of America DATED XX/XX/XXXX ( we received notice after they deducted. ) That we were not given chance to review, nor to be ready for the above unexpected deduction, That we was not given any police report nor other evidence showing card was counterfeit. 

That we rune the card through clover Machine provided by Bank of America and we have approval through the above clover Machine That we have been trying to solve the issue, but bank of America is not responding Please Advice XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX  Date XX/XX/2024 To Whom It May Concern : Equifax credit report ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ). 
I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : late accounts listed here : XXXX XXXX, XXXX. 
Account Number XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL 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. 

Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Definitions : Consumers means an individual. 
Person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon me looking at my credit reports i noticed some Fradulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

( DISPUTE CODE - 103 ) My personal information was stolen in 2020, since that day Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries and accounts have been found on my credit report please immediately delete and remove all inaccurate inquiries and addresses I have listed, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX 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 an account without my handwritten instructions. 
15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Vehicle loan or lease

This car loan was closed in 2018 in my chapter XXXX bankruptcy it Needs to be removed from my XXXX  credit report
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , INC ) due to inadequate customer service and unfair practices, which violatethe Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions haves caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX XXXX has been listed on my credit report. I have called them directly and they can not verify my information or why the charges are on my report. When I disputed with XXXX on this matter, they simply blow this off and offer no proof that I have ever done business with this company. I have no knowledge of this company and yet it sits on my credit report. Please remove XXXX XXXX XXXX for {$530.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts that l believe to be fraudulent and have negatively impacted my credit report. 
Below is a detailed list of the accounts in question : XXXX XXXX XXXXccount number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX. I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THESE ACCOUNTS WERE NOT AUTHORIZED BY ME.
Product: Credit reporting or other personal consumer reports

JPMCB ran a hard credit inquiry on my credit report on XX/XX/year> and I did not apply for any type of credit with them nor did I give them permission to do so.
Product: Credit reporting or other personal consumer reports

XXXX through credit karma has dropped my XXXX XXXX XXXX on XXXX occasion and XXXX on another in the last XXXX months for things that should have positive impacts on my XXXX XXXX. A company named XXXX has pulled my credit on XX/XX/year> recently and XX/XX/year> and put hard inquiries on my report and Credit Karma has no information on them. I blame XXXX for poor reporting.
Product: Debt collection

after many calls and harassment towards myself and calling family members this account holders is taking things too far even the account is not mine need it removed from my credit report asap!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not the mortgagee or owner for account # XXXX that experian is reporting on my credit. I send FTC report, police report, my id, and letters to remove the account that belongs to someone else from my credit file but they did not delete the account. I also requested for any and all contract and evidence the bank supply to them to give them reasons to not delete this account from my credit file.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

On XX/XX/2018, I had to have XXXX done at XXXX XXXX Hospital in XXXX XXXX. I presented my insurance documents and paid the {$100.00} co-pay. 

After this, I never received a bill for this service or any request for payment. 

While checking my Credit Report I noticed there is a collection for {$1400.00} from UNITED COLLECTION BUREAU. 

My insurance, XXXX XXXX negotiated the appropriate discounts and determined that the total covered was {$1900.00} of which they paid {$1400.00} on XX/XX/2018 ( please see document attached ). 

The Patient Balance on this document is {$510.00} I never received a bill or a statement requesting any payment.
Product: Checking or savings account

I am writing to formally request an investigation regarding a recent dispute I filed with NetSpend Skylight concerning unauthorized transactions on my account, which I believe were a result of fraud. Despite my efforts to resolve this matter, I have not received a refund or credit for these disputed transactions. 

On Claim Date : XX/XX/year> Claim Amount : XXXX, I reported several transactions that I did not authorize. According to my understanding of the regulations governing these disputes, I should have received a thorough review of my claim. However, I was informed that the decision regarding my dispute was made in just nine days. This timeframe raises significant concerns, as typical disputes with other merchants are allotted a standard response period of 30 days. 


Given the nature of the transactions in question and the potential impact of fraud on consumers, I believe a comprehensive investigation is not only warranted but necessary. I am requesting that the Consumer Financial Protection Bureau look into this matter and provide clarity on how the decision regarding my dispute was reached in such a shortened timeframe. 

Additionally, I would appreciate any documentation or evidence that supports the conclusions drawn by NetSpend Skylight in this case. Understanding the basis for their decision is crucial for me, particularly in light of the seriousness of fraudulent activity. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in ensuring that my rights as a consumer are upheld.