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

I'm having issues with XXXX simplicity ( citibank ). I paid XXXX dollars on XX/XX/18 because i wanted to lower my balance away from the limit to improve my credit and immediately received an email from XXXX stating " there was a recent review of your account and credit information. As a result, we have revised the credit limit ti {$2500.00} ( please note that it was originally XXXX ). This decision was based on a dilinquent credit obligation either paid or unpaid with this account or another creditor. Your current balance is {$2400.00}. 

I called XXXX on XX/XX/18 to ask them why the lowered my limit the same day that I made a large payment? They read me the above email and stated that was all the information they had. They could not provide me what said delinquent obligation prompted this action and that i should contact XXXX. I asked to speak to a manager ( XXXX employee number XXXX ) and asked again what information prompted this credit reduction as i'm now again at or over my credit limit and was told the same thing. They could not give me any information has to why they reduced my limit and prompted me to call XXXX I have free credit monitoring through the XXXX and there are not delinquent accounts on XXXX. This seems like they are trying to get people to stay at the credit limit. How can a company not have the information that they based a decision on? I asked to speak to XXXX 's manager and he said that wasn't possible ... How can they deny you to speak with a manager 's manager? 

I've included the email attached and my XXXX credit report i just requested today to show there are no delinquent accounts.
Product: Debt collection

I received a bill from you on [ XXXX ] and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from [ XXXX XXXX XXXX XXXX ], but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ XXXX XXXX XXXX XXXX ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization
Product: Debt collection

In the month of XXXX XXXXseveral unknown charges appeared on my XXXX bank statement. I immediately contacted my bank and disputed the charges. The charges appeared to be from GA Lottery. My bank initiated a claim and investigated the matter. In return my bank reimbursed me for the charges. On XX/XX/21 I received a letter in attempt to collect a debt from a company called Global payments Check Services, LLC. On XX/XX/21 I mailed out a dispute letter to the collection company requesting that they validate this unknown debt. I notified them that this letter served as a notice pursuant to the Fair Debt Collection Practices Act, 15 USC1692g ( Sec.809 ) that there claim for account # 's BUTV312 01, BUTV312 02, BUTV312 03, BUTV312 04, BUTV312 05, BUTV312 06, BUTV312 07, BUTV312. These accounts are being disputed and I requested validation for them all. I demand proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. All letters were sent to XXXX XXXX XXXX XXXX, IL XXXX certified mail with signature required. All letters were returned to me by the carrier stating no one was available to receive them.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XXXX/2024, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance {$320000.00} XXXX XXXX BANK XXXX XXXX XXXX : {$29000.00} XXXX XXXX C XXXX Balance {$320000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$310000.00} XXXX CARD SERVICES Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX {$320000.00} XXXX BANK XXXX XXXX Balance : {$29000.00}
Product: Debt collection

I received a phone call on XX/XX/XXXX regarding this account that is being reported on my credit report. I asked the representative on the phone to please send me written verification of this debt including the dates that the debt was incurred. I didn't receive anything to that affect. I mailed a letter asking for validation of the debt again on XX/XX/2018. I haven't received anything regarding this account. I did some investigating and found that this account is more that 8 years old so I would like the creditor to validate or cease. I would like this creditor to remove this listing from my credit report immediately and cease trying to contact me about this debt that I believe to be well outside the statute of limitations.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX  regarding inaccuracies on my credit report related to an account ( [ Account Number : XXXX ] ). The account shows a XXXX late payment and a balance of {$650.00}, which I believe are inaccurate and unverifiable. 

Details of the Dispute : Late Payment : The account reflects a XXXX late payment, which is inconsistent with my payment records. 
Despite a dispute, XXXX XXXX  has failed to provide any documentation to validate this late payment.

Balance Discrepancy : The balance reported does not align with my payment history or account terms.

Violation of Consumer Laws : Under 15 U.S.C. 1681i ( a ), I have the right to dispute inaccuracies and request reinvestigation.

Under 15 U.S.C. 1666b, errors in billing and balance reporting must be investigated and resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with TransUnion for several months about the bureau having 3 different files with my revolving and installment accounts spread over those three files. Yet only one set of accounts is viewable to my creditors and me. I have been denied credit, or otherwise unjustly been given higher interest rates due to TransUnion not reporting my full history properly which creditors can see under one file. This has also reduced my creditworthiness in the eyes of my creditors.
Product: Credit reporting or other personal consumer reports

FCRA 605B says take off wrong accounts from reports. Check the documents, please. My report has wrong accounts, making me upset and sick.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts and information. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an identity theft report. I have repeatedly disputed fraudulent accounts that are results from identity theft on my credit profile that needs to be removed immediately. Accounts Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received 2 American Express gift cards and attempted to use them at XXXX and XXXX American Express 's deceptive advertising materials say, " You can use your American Express eGift Card with any United States-based online, phone, or mail-order merchants wherever American Express Cards are accepted . ``. This is false and fraudulent.

I attempted to use the card at the largest online retailer in the world, XXXX, who takes american express, and says that they accept amex gift cards. I attempted to use the other card at XXXX who has the same policy. XXXX researched the transaction and told me AMEX had declined the transaction. Both transactions were for less than the card balance, on cards that were active. 

When I contacted AMEX, I was told that they declined the transactions, as " in order to protect customers ''. This is deceitful and deceptive. Amex prevents the cards from being used places customers are likely to use them and 1. doesn't inform either buyers nor users, who don't discover until having valid purchases declined, causing material and financial harm to users. 

Please note that when I called AMEX to research why the card wasn't working, they left me on hold. For the DAY.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent Transunion a letter disputing the XXXX XXXX XXXX  account they are reporting on my credit report. I received a credit report on XX/XX/XXXX stating they verified the account and it will remain on my credit report. I sent a follow up letter on XX/XX/XXXX due to my disagreement with their results. They responded with a letter on XX/XX/XXXX saying they had completed their investigation already and unless I had other proof they were not going to investigate it again. On XX/XX/XXXX, I sent a factual dispute showing the inconsistencies I have found which proves the account was never properly verified. I was sent back a letter showing the account was verified as accurate on XX/XX/XXXX. I then sent another letter on XX/XX/XXXX stating multiple errors are still being reported. I received a credit report on XX/XX/XXXX that the account is verified and remains. I sent in one last report on XX/XX/XXXX asking for the method of verification as I know this account was not verified. On XX/XX/XXXX, I received a credit report showing the account was verified and accurate, but was never told how the account was verified. How is that possible when there were no payments made in XX/XX/XXXX? Nothing had been done to correct this account, even with proof. I pulled my credit report XX/XX/XXXX to see if the inconsistencies still remain. They are still there. As I look back over my reports from Transunion I can see that the amounts that were paid in XX/XX/XXXX change throughout the course of the last year. Where is the proof payments were made and how much were the payments??? I am appalled that Transunion would continue to let this account show errors. This account needs to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to Experian and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint 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 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: Checking or savings account

I have been having continuous issues since opening my accounts with Key Bank about a month ago. I opened them when I applied for a mortgage, and I think there was an issue in funding so I went to the XXXX branch to fund my checking account and got my account number. I have never been able to use online banking ( I think its been a month ). I called the call center multiple times, drove 45 mins to south bend to find out the branch was closed due to coronavirus ( my fault ), and then got scared this week as my first ever mortgage payment is due and I can not pay it. I emailed my contact who originally helped with my mortgage who put me in contact with another person is also helping to reopen my accounts. I have had all of my accounts cancelled- checking, savings, credit cards for no apparent reason. 

Called XXXX to get help paying my mortgage. I spoke to " XXXX '' around XXXX today XXXX/XXXX/2020 and was unable to be helped, manager refused to speak with me about my issue. This is after I gave them my SSN, address, name, phone, and account number. I was pretty hysterical ( sorry XXXX XXXX but I believe as a customer I am at least entitled to have the manager tell me directly that they cant help me, even if it was in a later call, which I agreed to, or to have them take a step to help resolve my issue. I didnt feel like I was treated as a valuable customer, and I have felt that the burden of fixing this problem has been largely on me. 

In contrast, I spoke with the call center XXXX/XXXX/20 around XXXX and spoke to an absolute angel who heard my concerns, was able to verify my identity, spent a lot of time trying to solve my issues and connected me back to the branch I opened the accounts with. I spoke to another absolute angel,  the branch manager at XXXX PA who is also trying to fix my accounts. I also previously spoke with someone from IT who put in a ticket and was also extremely helpful. 

I have no timeline for any of these accounts getting re opened, I dont know where my initial deposit went, and I can not seem to utilize the call center to help because I feel like I get treated with suspicion before being turfed to someone else. I have never had this much trouble with a bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several INQUIRIES on my credit report that are not AUTHORIZED. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. These INQUIRIES listed are not AUTHORIZED and need to be deleted from my credit report : Company Inquiries 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

Yet another dirty trick by Capital One. They have since corrected my report showing my card as " charge off '' but reporting it as " OK '' to lengthen the negative impact on my credit report. Now I see that this charge off is building up interest and now on my credit file as " charge off '' and " over the limit '', and still open earning interest which is the reason I'm over the limit. This account does not follow the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

We had 2 months deferred due to the pandemic and is showing 30 days late. the account is now paid off and should reflect as never late Please see attached deferred payment agreement
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant
Product: Debt collection

Someone has access to my social security number, various forms of identification, and birth certificate. Have had multiple bank accounts breached. Multiple fraudulent charge claims utilizing bank wire transfers have been filed with XXXX XXXX  XXXX  XXXX. With XXXX XXXX, I had fraudulent charges on XX/XX/2022 for {$500.00}, XX/XX/2022 for {$10.00}, and XX/XX/2022 for {$20.00}. First bank account breached was with XXXX XXXX. Then I moved to XXXX and had that bank account breached. With XXXX, I had a fraudulent charge of {$400.00} on XX/XX/2022, and an attempted fraudulent XXXX payment on XX/XX/2022. I am now in the process of moving to XXXX  XXXX XXXX. On all attempts, customer care was contacted in order to reverse or return money and report charges.
Product: Checking or savings account

Opened a few fraud cases when I did not use my atm card lost my pin and reported to Bank of American they did not want to pay my claims!!
Product: Debt collection

Pursuit to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I found addresses that I have never lived at or been associated with. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX is listed on my credit report and I have no affiliation with this address. I have requested that the address be removed from my Experian, XXXX and XXXX credit reports to no avail.
Product: Checking or savings account

Wells Fargo ( WF ) continues to show a pattern of intentionally mishandling my accounts in order to garner as many overdrafts and fees as possible. They are predatory in their business practices and clearly do not intend to stop, rather continue to find new ways to continue illegal practices. I recently filed a similar complaint about a different transaction and now they have repeated the same practice. I have tried to resolve this with them but they are now sitting on this issue and not moving forward to resolve, simply telling me that no one has been assigned to it yet. 

The issue at hand is WF does not show checks in pending status at all, instead on XX/XX/XXXX, I watched my account several times throughout the day including through the late evening/night until I went to sleep. There were no transactions that needed my attention. I woke up around XXXX on XX/XX/XXXX, looked at my account sometime shortly after that and sure enough, 2 checks totaling {$240.00} had cleared overnight causing an overdraft and pulling funds from my credit card. This got my attention for several reasons, one because there had been no pending transactions the previous day or night, and two, because on XX/XX/XXXX XXXX-ish Id asked a telephone banker to take off any source of overdraft protection after they had done the exact same thing with 2 checks totaling {$130.00} written to 2 different individuals. Their answer on the XX/XX/XXXX is those checks must have been given to the bank at night ... ..hmm thats interesting 2 separate individuals who have nothing to do with each other chose to go to the bank at night when it was closed and cash the checks? ... .. Then magically this time in XX/XX/XXXX a 3rd person chose to go at night when the bank was closed and deposit the check just so WF could not know and pull the money out very quickly overnight without indicating the transaction as a pending item so I could do with my account what I see fit to ensure there were enough funds to cover it. WF is a predatory lender and should lose its FDIC. I do not know why the Federal Reserve still continues to allow them to bank let alone have FDIC to continue to XXXX members throughout the nation. 

I am convinced that WF has an algorithm that manipulates how and when transactions flow in order to charge the most fees. They continuously pull charges and withdrawals 1st then delay any deposits for after all withdrawals no matter if those came first in order to beat situate for fees. I am disgusted with them, have tried to close my account and they wont, citing that I have to wait 10 days in case some transaction comes through. Ive not used my savings in a long whole so nothing is coming through. Ive not used my checking except for now when this check came in. I paid the credit card to {$0.00} and now they have illegally used it as overdraft which I after XX/XX/XXXX I never gave them permission to use. They are fraudulent and I want all those transactions related to the overdraft reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX Dispute this Address Date of inquiry XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Dispute this Address Date of inquiry XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Dispute this Address Date of inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FCRA violations : accounts not mine XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX years XXXX months XXXX days XXXX XXXXXXXX XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed XXXX years XXXX months XXXX  days XXXX XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed XXXX years XXXX months XXXX  days XXXX XXXX XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed XXXX years XXXX  month XXXX days XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX years XXXX months XXXX days XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  day XXXX