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

I am filing this complaint against Citibank for unjustly closing my high-yield savings account and refusing to return my funds. Despite multiple attempts to resolve this issue with Citibank, including contacting their fraud department and sending a formal letter, my funds remain unlawfully withheld. 

Details of the Issue : I opened a high-yield savings account with Citibank and had direct deposits from my employer made into this account.

I never withdrew any funds, conducted transactions, or used the ATM card provided. 
When I attempted to check my balance, I was blocked from accessing my account and was referred to Citibanks fraud department. 

Citibank closed my account, citing fraudulent activity, but provided no evidence or justification for this action. 

The total amount in my account at the time of closure was approximately {$600.00}, which Citibank has refused to return. 

I have attempted to resolve this matter by contacting Citibank multiple times and sending a formal written request, but I have received no response.

Relief Sought : I am requesting that Citibank immediately return the full balance of my account, as there was no fraudulent activity on my part. Additionally, I would like Citibank to provide a written explanation of why my account was closed and why my funds were withheld.

Attempts to Resolve the Issue : I contacted Citibanks customer service and fraud department but received no resolution.

I sent a formal demand letter requesting the return of my funds, which Citibank ignored. 
It has been almost 2 years since my account was closed, and Citibank has failed to return my money or provide any legitimate reasoning for their actions. 

I believe Citibanks actions are unfair and deceptive, and I am seeking the CFPBs assistance in getting my funds returned.
Product: Checking or savings account

I've had unauthorized charges that I didn't authorize or charged when I wasn't supposed to this has been happening since I've been with cash app I can't talk to a live agent to get help i have to text a robot through the app and it's not helpful at all
Product: Mortgage

I had my mortgage with OCWEN from XX/XX/XXXX until they informed me on XX/XX/XXXX they sold my mortgage to XXXX XXXX XXXX XXXX. I made XXXX last payments to OCWEN in XX/XX/XXXX. XXXX payment was received on XXXX XXXX for {$970.00} to covert the mortgage for the month of XXXX and the XXXX payment was received on XXXX XXXX for {$1000.00} to covert the XXXX mortgage of {$1000.00} and the {$56.00} change of new payment. OCWEN did not apply the payment to the XXXX mortgage. Instead they applied it to the principal. Now, XXXX XXXX is sending me to collections because they said I am late with my payments. I have contacted OCWEN and they said they will fix the problem but they did n't and now they are saying that the only thing they can do is to give me a statement showing what was paid but they will not forward the payment to XXXX XXXX. XXXX XXXX at the other hand will not do anything to get the payment from OCWEN. I ca n't pay XXXX for the XXXX Mortgage just because this XXXX companies ca n't seam to know what they are doing.
Product: Debt collection

These guys realize that there was a mistake made They removed it from the credit report on XXXX the XXXX And now they have put it back on the credit report as of XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, reported to the three major credit bureaus, i.e. XXXX, Experian and XXXX, that I have paid my debt in full and consequently have a balance of {$0.00} Unfortunately the three credit bureaus have not honored their obligation commensurate with their exalted position, i.e. to promptly update my consumer credit report. 

This is adversely impacting my credit score as it misrepresents my credit utilization which is a major factor of the credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.
Product: Checking or savings account

I closed my account, they said theyd send me a check. It never arrived. Asked for a new one. They said I had to call. So I called and then the guy hung up on me. Messaged them again, havent had a response.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B necessitates the elimination of any incorrect accounts from my credit report. Would you mind reviewing the documents? Several listed accounts exhibit inaccuracies in reporting, such as incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as i am in the process of buying a home for my family. Please Remove all Fraudulent accounts as i have no knowledge of any of these accounts due to the Equifax data breach and identity theft which is being investigated by the FTC. According to FCRA 605B. This information must be blocked immediately until the investigation over. 

According to 15 U.S. Code 1681c-2, a consumer reporting agency is required to block the reporting of information that a consumer identifies as resulting from identity theft within four business days of notification. It's been 30 days since I reported this issue, and you are in violation of this regulation. I urgently request the removal of these fraudulent accounts from my credit report. 

Moreover, under 15 U.S. Code 1681b, consumer reports can only be furnished with the consumer 's written consent. I never provided such consent, and the presence of these accounts violates my federally protected rights. Lack of consent is tantamount to identity theft. 

Thank you for understanding, XXXX XXXX
Product: Student loan

We had a parents loan and payed it off in XXXX 2016. I forgot to put the account # on the check but it was cashed by Navient. It was never a credited to our account. We are being harassed by " Student Assistance Corporation '' with phone calls and emails. We have called Navient numerous times and they pretend this is all news to them and then I ask for a manager and ask them to check the notes on the file and they agree we have called numerous times and they will fix the situation. One month later the phone calls start again and when I call they never " recognize '' the name of the person who promised to fix the situation. Amazingly they do n't know what we mean when we tell them we have a " cancelled check '' for the exact amount.The phone calls are relentless and frustrating because we have paid this in full back in XXXX and we do n't want to be penalized on our credit rating. I have asked for the name/department to appeal this issue and they tell me there is no way to file a complaint. How is that possible? Why were they ever given this contract? We signed the loan with the department of Education.
Product: Student loan

Account number : XXXX According to the Aidvantage site, on XX/XX/2022 a refund in the amount of {$1200.00}. I did not request a refund nor have I received a refund. 

I inquired to Aidvantage about the refund, and I was told that XXXX now has my account. 

When I contacted XXXX, I was told that they do not know anything about a refund.
Product: Payday loan, title loan, personal loan, or advance loan

I made 23 payments at {$120.00} on a {$600.00} loan. 
I contacted Birch Lending to get a loan payoff amount and was told the payoff is {$570.00}. 

I feel this is predatory lending on the excess finance charges ( interest rate ).
Product: Credit reporting or other personal consumer reports

Transunion is reporting errors on my credit report that is affecting my abilityy to purchase a home for my children.
Product: Debt collection

I keep getting text and phone calls from this company. I have blocked them and they use a different number the next day. This is what I am getting : Hello, this is our third attempt to locate XXXX, XXXX, If we do not hear from you or your legal representative before the end of business, this will be marked as a direct refusal. Please contact XXXX, at XXXX XXXX using file # XXXX, Thank you CLM If you wish to no longer receive text messages, please reply STOP.
Product: Credit card or prepaid card

Disputed Fraud charges reoccurring on continuing billing. Charges credited as adjustment, then charged back as new transaction on account. Charges never authorized.
Product: Mortgage

I currently have a Mortgage with Carrington Mortgage ( CM ). The Loan has an Escrow account for the Taxes & Insurance. The County I reside in no longer requires I pay the School Tax after I turn XXXX. I will be XXXX this XX/XX/XXXX. Therefore, the XXXXchool Tax will no longer be required to be paid in XXXX. I have forwarded a letter to CM from the County Tax Commissioner stating that I will be exempt from the School Tax in XXXX. CM is aware of this, yet refuses to lower my monthly Escrow collection accordingly. Why is CM allowed to collect the additional funds from me when they have been notified that the funds are no longer required to be collected? I, as a Senior Citizen, can use the approx. {$96.00} per month better than CM can. Please help me with this issue. CM is a Large Corporation and I am just one Man. I do n't know who else to turn to for help except you. Please help me.
Product: Debt collection

LVNV FUNDING LLC is in clear violation of the law for furnishing an inaccurate collection account on my consumer report with an alleged debt of {$440.00} to XXXX XXXX XXXX XXXX  on ( XX/XX/XXXX ). 
I have not given LVNV FUNDING LLC or XXXX XXXX XXXX XXXX written permission or authorization to report any information on my Credit Report and according to 15USC 1681 ( b ) Section 2 ; LVNV FUNDING LLC has no PERMISSIBLE PURPOSE by LAW to contact Third Parties with my private or personal, nonpublic information. Your offenses to reporting this alleged debt amount to AGGRAVATED IDENTITY THEFT pursuant to 18USC 1028 ( A ). You have knowingly transferred, possessed or used a means of identification of me without lawful authority which is a Felony punishable up to 2 years of imprisonment in addition to civil liability along with defamation of character.

Under the New Rule REGULATION F which took effect on November 30, 2021, by reporting this account and parking this alleged debt on my Consumer Report, you are violating the FDCPA & 10006.30a and its new rule LVNV FUNDING LLC must CEASE AND DESIST the reporting of this debt immediately or I will escalate this matter by taking Legal Action against your company for your willful noncompliance.

15USC 1692 ( c ) c Ceasing Communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the Consumer with respect to such debt.

I refuse to pay this alleged debt, CEASE AND DESIST all collections activity regarding this alleged debt and you must not report this alleged debt to any Third Party or Consumer Reporting Agency. 
I am very certain that LVNV FUNDING LLC or XXXX XXXX XXXX  can not provide me with an original signed consumer contract that gave permission to report this inaccurate information on my report and it is no other than UNLAWFUL for XXXX XXXX XXXX to sell my information to you a debt collector when I am the original creditor. ONLY I CAN VALIDATE THIS DEBT AND I DO NOT DELETE THIS ACCOUNT IMMEDIATELY OR YOU WILL BE LIABLE FOR YOUR UNLAWFUL ACTIONS.
Product: Debt collection

I am writing to dispute several accounts on my credit report, which I believe to be the result of fraudulent activity. These inaccuracies are severely damaging my creditworthiness and causing me significant distressXXXX XXXX XXXX
Product: Credit card

I was having terrible tooth pain and had to go to a dentist which I had not done in about XXXX  years. I called around to see where I could get in and XXXX, at XXXX XXXX, Mt XXXX, XXXX  took the time to talk to me and I thought was being upfront and honest with me which turned out to be so far from the truth. I went in to see what could be done and they said I would require a deep cleaning first and then a root canal in a couple weeks, but I would be given an antibiotic as well as XXXX XXXX  for the pain and then come back for the root canal in XXXX. The day of the root canal was very long, and they were very behind schedule and closed at XXXX XXXX. I did not leave there until almost XXXX XXXX. but did not get to get x-rays which are required after the root canal to see how it went. I also did not get the temporary crown as I was told by XXXX, that it would most likely fall out anyway, but I was fitted for a mold of my permanent crown and scheduled to come back for it when it was ready. I went in on the scheduled day for the permanent crown and again they were running very behind. After waiting for an hour or so I was taken to the back for the x-rays that I had not received after the root canal. Then I met with the surgeon who told me that the root canal was a failure, and they would have to extract the tooth- there was no saving it. At this point I had already made payments on the account and paid what was due, but now I have not received the temporary crown, the permanent crown or any of the items on the receipt that were to be done on XXXX  because I did not show up for the appointment- I was all set with dentists once again after this. I have disputed this with Synchrony twice and it has been denied both times with no explanation as to why. So, I stopped paying at services were never completed.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX XXXX XXXX  on multiple occasions about identity theft and that this account is not mine. Someone out multiple phones in my name from different phone companies and everyone else removed the issue proving it immediately it wasnt mine and deleted it off my report but one company will not and this is very frustrating and causing issues with tenants screening or any type of credit due to me having to deal with fraud. There is an apartment under XXXX that is incorrect amount as well, as well as this XXXX XXXX and XXXX XXXX credit card that is under an ex spouse not me or not mine at all. I dont even recognize this. I have disputed the same things so many times and showed even a police report showing I had nothing to do with this and yet I am still dealing with the issues. Also I also want to complain that someone has gotten my information and it has been shared without my consent and I will like to remove this and press the issue further.
Product: Credit card or prepaid card

Some time before XX/XX/2022, I bought 2 bras from XXXX XXXX using their XXXX XXXX  issued charge card. I paid them 1 month late for the bras as I was considering returning them for poor quality. They charged me late fees through XX/XX/2022, of which I paid ONE, given that I was one month late on the payment. They continued to accrue charges until XX/XX/2022, then charged off the debt and sold it to Midland Credit Management. In previous discussions with XXXX XXXX I explained that I paid them all that was due. They would not negotiate and the debt is now {$450.00}, all of which is bogus late and other fees.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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: Student loan

I cant repay this I asked for lower payments, when filing for this I was told something by the school which ended up being different I filed Bankruptcy and that was supposed to help but really did not I have tried to work more and XXXX jobs with no luck. Can you help??
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Wells Fargo XXXX XXXX XXXX XXXX XXXX have all used the arbitrary consumer reporting system to discriminate against me, violate my privacy and violate my consumer right to obtain credit. I recently reviewed my consumer report and disputed violations of my consumer rights to privacy without satisfactory results. My dispute about privacy violation was met with responses about accuracy of reporting information. They never denied violation of my rights instead choosing to disregard it. 

Under Title 15 U.S.C. 1681a ( i ) the consumer report does not include information as to transactions or experiences between the consumer and the person ( creditor or corporation ) making the report. 15 U.S.C. 6802 states that a financial institution may not directly or through any affiliate disclose non public information to a third party ( such as the consumer reporting agencies ) without my written consent. Hard inquiries and latenesses clearly constitutes non public experiences solely between myself and a financial institution/creditor and as such must remain privatebe safeguarded and protected. Disclosure of my information requires that I ( the consumer ) be given the opportunity before that information is initially disclosed to direct that such information NOT be disclosed to a third party. Theyve denied me my right to privacy and to exercise my non disclosure option and in reporting what amounts to private ( non public ) experiences between me and a financial institution have caused me harm/damage in pursuit of credit. 

I invoke my consumer right and formally request with this written letter the removal of hard inquiries and derogatory negative private information currently disclosed on my consumer report file within the allotted 30 day period. Their failure to comply with my initial written request constitutes willful noncompliance and makes them liable for damages to me15 U.S.C. 1681n.
Product: Credit card

Wells fargo autopay did not activate on a month. This caused my credit limit to be above limit the next month. 

The case number is Wells Fargo case number : XXXX. The bank can not give me a good answer as to why this occurred. The bank also did not notify me when my credit limit was exceeded or that the autopay would not fire. I am simply reporting as I am worried there is a systemic banking error in their code as other issues have occurred with this bank in the news.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, Experian. Attached is my most resent consumer credit report from XXXX. I have disputed two inaccurate accounts on my consumer credit report that Experian is reporting. You will see my name the report number on the right and this month date of the finished investigation. I have investigated both accounts twice and they come back as verified. XXXX is violating 15 U.S code 1681 of the Fair Credit eporting Act. THE FIRST ACCOUNT ( XXXX XXXX XXXX ) IS A CHARGE OFF THAT SHOWS A RECENT BALANCE OF {$990.00}. A CHARGE OFF MUST SHOW A ZERO BALANCE. DELETE THIS ACCOUNT FOR INACCURATE REPORTING. The account below it is ( XXXX XXXX XXXX ) This account is a COLLECTION ACCOUNT. IT IS REPORTING A BALANCE of {$680.00}. A COLLECTION ACCOUNT MUST REPORT A ZERO BALANCE AS WELL. DELETE THIS ACCOUNT AS WELL. DELETE BOTH INACCURATE ACCOUNT IMMEDIATELY!!!!
Product: Debt collection

I have a garnishment on my wages due to a debt from XXXX. This is past the statute of limitations by many years and should be removed.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute multiple fraudulent accounts that have appeared on my credit report under my name, XXXX XXXX XXXX. I did not open these accounts, nor did I authorize anyone else to do so on my behalf. These accounts were established without my consent and are the result of identity theft or unauthorized activity. 

Under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations, I have the legal right to dispute and request the removal of any inaccurate or fraudulent information on my credit report. Specifically : FCRA 611 ( 15 U.S.C. 1681i ) grants me the right to dispute incomplete or inaccurate information and requires the credit bureau to investigate my claim within 30 days.

FCRA 605B ( 15 U.S.C. 1681c-2 ) states that when an account is reported as resulting from identity theft, the credit reporting agencies must block the fraudulent information within four business days.

CFPB protections reinforce my right to accurate reporting and require credit bureaus to act in my best interest when investigating fraudulent activity. 
I demand that these fraudulent accounts be investigated immediately and permanently removed from my credit report. Additionally, I request that you send me a copy of the investigation results, an updated version of my credit report reflecting these corrections, and a letter confirming the deletion of the disputed accounts. 

To support my claim, I have attached the following : A copy of my government-issued ID A completed FTC Identity Theft Report Failure to remove these fraudulent accounts will be a violation of my consumer rights under federal law, and I will not hesitate to escalate this matter to the next appropriate authority or pursue legal action if necessary. 

Please confirm receipt of this dispute and respond in writing within the legally mandated timeframe. You may contact me at XXXX or XXXX if you require any further information. 

Sincerely, XXXX XXXX XXXX