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

I proceeded to open a checking/debit card account online with Citibank, and deposited funds into the checking account. I began to fund the Citi checking account with an initial deposit of {$3000.00} electronic transfer from my current checking account, then deposited a second transaction of another {$3000.00} for a total balance of {$6000.00} into the new Citi checking account. 

I registered my current large bank checking account via Citi 's website so I could transfer funding into the new Citi checking account, which Citi accepted both my current bank account as valid, and Citi accepted the deposited funds of {$6000.00} per the 2 transactions. 

Citi then proceeded to immediately blocked my new checking account, after they accepted the {$6000.00} deposits, and told me I am a security risk, and my account and funds are being blocked and withheld, refusing to allow me access to my already approved and deposited funds into this Citi checking account. I followed Citi 's online menu commands, and did nothing outside of their online prompts. 

I proceeded to call Citi numerous times over the phone, to find out why Citi accepted my deposits and then refused to allow me access to those funds, to only be constantly referred to their rude and obnoxious fraud department telling me that I am a security risk. Citi could not explain or clarifying what I was doing to be labeled such a risk where Citi was allowed to block my account and funds. I performed all these transaction per the Citi website and mobile app, only using Citi 's menu commands. Why would this labeled a security risk if I am following Citi 's procedures??

I had only a total of 4 transactions with this new Citi online checking account, 2 deposits that Citi accepted my cash deposits, and 2 attempted withdrawals from me in an attempt to gain access back to my deposited cash funds that Citi continued to block and refuse access to my approved deposited funds. See the enclosed file for copies of the online deposits/withdrawal 's that I was able to perform each time Citi blocked my transactions. It took so much effort over the phone to allow me access to my deposited cash funds. 

This is total abuse and discrimination for reasons Citi was unable to explain or illustrate to me what I was supposedly doing wrong.

Cit has erroneously closed all of my accounts based on false accusations. All I did was perform deposits and attempted withdrawals per Citi 's website. Citi has no right to refuse me access to my deposited funds, and they should return my cash funds immediately.

Citi owes me a full apology fo rthis abusive treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXX to verify that the Bankruptcy was accurate and how and whom did the verification, the sent me a letter saying it was verified and accurate. They never stated the method of verification which I asked them to supply. I never gave them permission to report anything g on my credit file. I also sent a letter from the bankruptcy court stating they do not report to the credit agency you. a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX Date : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Collection Entry Request for Debt Validation Under 15 U.S.C. 1692g Re : XXXX XXXX Date of Birth : XX/XX/XXXXXXXX  Social Security Number : XXXX Dear Sir or Madam, I am writing to formally dispute a collection entry on my credit report that has been reported by XXXX XXXX XXXX I am requesting that Equifax investigate this collection account and verify the accuracy of the information under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 

Items in Dispute : Collection Agency Name : XXXX XXXX LL Account Number : XXXX Date Reported : XX/XX/XXXXXXXX  Amount Reported : {$780.00} Legal Basis for Dispute ( 15 U.S.C. 1692g ) : Under 15 U.S.C. 1692g, I have the legal right to request validation of the debt that has been reported to the credit bureaus. Specifically, this section of the Fair Debt Collection Practices Act ( FDCPA ) states that when a debt collector reports a debt, they must provide validation of that debt upon the consumers request. This includes the following : The name of the creditor to whom the debt is owed. 
The amount of the debt. 
A statement that the consumer has the right to dispute the debt within 30 days of receiving the notice. 
Proof that the debt is valid and that the debt collector has the authority to collect on it. 
I have not received proper validation of the debt from the collection agency, and as such, I am requesting that Equifax verify the debt 's accuracy, including proof that the collection agency has the legal right to report the debt and collect on it. 

Request for Action : In light of the above, I respectfully request that Equifax : Verify the accuracy of the collection entry listed on my credit report.

Contact the collection agency and obtain the required debt validation as outlined in 15 U.S.C. 1692g.

Remove or update the collection entry from my credit report if the debt can not be validated or if there is any evidence of inaccuracy or improper reporting.
Product: Credit reporting or other personal consumer reports

Upon review the files, it comes to the attention that there is an Error of FALSE information about XXXX XXXX XXXX XXXX XXXX  Account # ending : XXXX with the balance of {$5100.00} ( Date open XX/XX/2022 ). I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature authorization and consent within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.
Product: Mortgage

I have a Mortgage with XXXX XXXX which was serviced by LOANCARE. The mortgage was recently refinanced and paid off. I inadvertently sent in a loan from my bank 's web bill pay after the loan was paid off and that account number was closed. I have been trying for close to a month to get the money refund. Three phone calls just today alone and I was shuffled from one customer rep to another repeating the same information over and over. I have called LOANCARE 6 prior times and fax them the info they asked for which they said they did not received. I even verified the fax number was correct with a customer representative. 
In one phone call the customer service rep placed me on hold and after 10 minutes on hold a different customer service rep picked up the phone and so I had to repeat everything all over again. She then placed me on hold and next thing I know I had a dial tone. 
There is no doubt in my mind that they do not intend to give me my money back and is stalling hoping I will go away. But i am talking about almost a thousand dollars. Now they want me to email the same information they did not received via fax even though I verified I sent it to their correct fax number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had accounts opened in my name fraudulently. It has bee n over six m onths, and this company and collection agency have done nothing to help or communicate. The collection agency on my report says    XXXX   XXXX   XXXX   XXXX   but th e address is wrong because mail gets returned. When I   XXXX   them, there is an entirely diffent name listed on the their website. Says   XXXX   XXXX   XXXX   XXXX   . T here is no way  XXXX  has verified accuracy with a company listed a  s  XXXX   name and then  XXXX  reported as another amount, but I know they keep items on consumers  credit reports because the collection agency pays them too. Why else would n't this clearly not just fraudulent but inaccurate credit item not have been deleted yet?? Look at my evidence uploaded and your see same amount, but differnt account numbers and its double reported. I 'm hoping to get this resolved so I can move on with my life.     Thank you,
Product: Credit reporting or other personal consumer reports

I have been denied credit for housing and auto loans due to Experian reporting I have a fraud alert on their file. I was under the assumption that a fraud alert meant I would be notified that a new credit application was being filed and a higher level of identity verification was needed. Unfortunately, neither Experian or any vendors that guy submitted a credit application XXXX contacted me to verify my identity besides my SSN. I received multiple denial letters indicating vendors received a report from Experian that my identity could not be verified which does not make sense to me because Experian does not verify my identity I, XXXX XXXX confirms my identity with any vendor that I choose to do business with.
Product: Debt collection

I received a letter from USI Solutions stating that I owe XXXX XXXX XXXX XXXX {$8800.00}. I have never had a XXXX card aside from my XXXX gas card which carries a XXXX  balance. There is no record of any of this on my credit report and I have contacted XXXX on XX/XX/2018, they state there is no record of any credit with them other than the XXXX card. I have not contacted USI because I am afraid that once I do, the harassment will start. Reading about them on XXXX, they have a reputation of abusive behavior towards callers and trying to collect bogus debt. I would appreciate your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to dispute these fraudulent inquiries on my consumer report and I have not gotten a response from the Consumer Reporting Agencies. Please see the attached documentation. If have submitted a copy of my affidavit of truth notarized and it was mailed to each consumer reporting agency.
Product: Credit reporting or other personal consumer reports

Per The Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : On XX/XX/XXXX Credit reporting companies, ( Equifax, XXXX, XXXX ) were informed that I have opted out of from all credit reporting agencies, credit card companies, banks, all etc., per 12 CFR 1016.1, 1016.13, 1016.14, 1016.15 from reporting, selling or sharing any/all my information. Also accounts that were not, wrongfully reporting balances or payment history ( 15 USC code 1681 ) that needed to be updated as well as personal information on file/report. None to little change 30 and 45 days later. On XX/XX/XXXX after calling each agency over the phone to update personal information and make disputes, certified packages went to XXXX ref # XXXX, XXXX ref # XXXX, Equifax # XXXX disputing incorrect information and unlawful reporting. Equifax agents were combative and very resistant to make lawful updates/changes to personal information and credit card reporting 's and unauthorized inquiries. No updates made to file or report. In XXXX I spoke with representatives from all companies to follow up on credit reporting and corrections. Instead of XXXX updating student loans to reflect XXXX balance, they completely removed all student loans from the credit report. Since all 3 credit companies have not updated reports, I sent each another request with reports marked appropriately with correct information. Equifax ref # XXXX, XXXX XXXX, XXXX re # XXXX. XXXX XXXX history is illegal -15 USC 1681a. Also credit agencies/companies need written consent to add anything to my consumer report. This is a violation of the Fair Credit Reporting Act. 15 US Code 1681 c -Compliance procedures, ( b ) Accuracy Report. Companies are liable for damages under 15 US Code 1681 n-Civil liability for willful noncompliance. Other violations 15 USC 1681, 15 USC 1681s-2, Privacy Act of 1974 ( US code 552a ) Also the credit accounts that are listed/sold or charged off to affiliates/3rd parties are in violation as well. I would also like to add charge offs are considered income and not to be on credit files/reports.
Product: Debt collection

XX/XX/XXXX - paypal credit sent a bill to me and I have never seen this account before. The charges were for little amounts and I have no idea what they are for. I called the number on the statement and asked them to close this account and to dispute all the charges. They would not give any information on what the items were. XX/XX/XXXX XXXX received letters stating that the charges were valid and the case was closed. Contacted the paypal credit and asked to speak to supervisor. The ladies name was XXXX and she refused to supply me with a last name or id number. She stated that the charges were made using the same ip address. I asked her how the account is accessed and she said through email. The email address is not my email address and she refused to tell me what the email address was. How can someone have my social security number and use and account to order items I have never heard of. She refused to give me any information on the account that is supposed to be mine. She stated she the account was not closed from the prior week and asked that she close the account for the second time. I even tried to google the names of the charges on the credit card statement and was unable to find information. These are not charges made by me or my wife and I do not understand how they can refuse to dispute the charges. The amount is very little - but it is still the point that these are not valid charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed XXXX XXXX XXXX XXXX XXXX and in response Experian verified the item as accurate stating they verified the information with the court. 

I contacted the court, and it is clear they do not report to Experian or any credit bureau for that matter ; therefore the original response verifying the item with the court was either an error or false. 

The reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 168XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX XXXX  [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit card

My credit card that was charged and was used physically in a place where I was not there. The bank told me the used of chip so it means physically presented. 
First of all I was in a different location ( XXXX  XXXX ) while the credit card is in my home in the United States. 
There were 2 charges happened at the same incident the first one was about {$5.00} and the other was {$66.00} which includes tax. 
I was alerted by text messages so i called the bank and told them i did not do any purchases. 
Apparently after talking to them they issued credit on both amounts, but the next thing that I know they took the credit back and charge the larger amount which is the {$66.00} to my credit card. 
They put the charged back to my account because they said the chip was used during purchase. Up to now XX/XX/year> Ive been trying to resolve this by calling the bank several times. 
This is a dilemma, this happened early XXXX of XXXX  and can not get people to handle it correctly by the US Bank. You have to wait several days for someone to call you back and ended waiting. 
To me it doesnt make sense they give a credit on the small amount but not on the bigger amount on the same incidents. 
Its actually Im after the righteousness of what happened and in good faith.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to theiXX/XX/XXXXsavings accounts. Capital One misrepresented the XX/XX/XXXX as having XXXX of the nation 's highest interest rates yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXXXX/XX/XXXX This deliberate obscurity and lack of transparency violated consumer trust and resulted in a significant financial loss for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Money transfer, virtual currency, or money service

I saw a camera online for purchase i had to zelle the funds i sent however was blocked after did not recieve the camera i zelle around {$350.00}. i was not aware of the fact that once sent i could not get my money back even though it was a scammed. I was informed that the bank could not help me back with my funds as u clicked something to agree. Which honestly i didnt even saw. So i have to take that lost till this day for a scam i got no item no help and no funds.Made me feel disappointed in zelle and very upset. i was not pleased at all i got no help. There are other multiple similar issues i had where i lost alot of money due to this so i feel as if my money is not secured at all. Other case as well were scammers are using zelle to scam others its not fair and they cant help us as people or have any empathy for us as customers
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. 

XXXX XXXX XXXXXXXX, has violated my rights. 

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 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

In accordance with the fair credit Reporting act XXXX Account # XXXX ( XXXX ) has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I noticed on my XXXX report that this card is paid off And the account is still showing open account on my credit report and there is no status information filled in. It is accurate on my report and I would like to removed off my credit report. By law for information open account When the account is paid for