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

On XX/XX/2020 Citibank closed my checking account without notice. They informed me that it would take 30-60 days to close my account and before they could remit payment to me for the funds remaining in my bank accounts. This created a SEVERE financial hardship on my family, as this was 100 % of the money that I had to my name, literally leaving me with not even {$1.00} in cash for my family to survive. We have been getting food from food pantries, living with relatives, and are entirely dependent on others for our well being and necessities of life ; my children have even went without medical care due to my inability to pay the co-pay for doctors visits. However, we have survived the very long 60 day time period. The full 60 day time period was up on XX/XX/2020. However, Citibank has NOT returned my money to me yet and I have left several phone messages with their Executive Response Unit, as well as emailed them and they have provided me with no response whatsoever as to the status of payment for the funds remaining in my account. I can not get them to return my phone calls or emails ; I have struggled and waited the 60 days that they stipulated in their response to my initial complaint ( case # XXXX ), I have reached out asking for a status update on the check they are to issue me as payment for the funds remaining in my accounts ( in excess of {$13000.00} ), yet I still get NOTHING from Citibank - no return call, no reply email, and certainly NOT ANY of MY MONEY!!! Its extremely frustrating that I have done everything stipulated and STILL can not get the money that is rightfully mine and desperately needed to provide for my family. Given their refusal to return my money and lack or any response to me whatsoever, it feels very much as if Citibank has stolen my money and wont even have the decency to speak to me about it, when my family has SUFFERED massively due to their poor decision to close my accounts and then keep the funds I had in those accounts. It is without a doubt the most horrible customer service I have ever received in my life, with little or no respect given to the troubles and trials my family has had to endure because of their poor decisions. It absolutely disgusts me that I am having to file yet another complaint just to get my own money returned to me or that I am forced to Beg for my own money to be returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the unauthorized inquiries and personal information that are found on my report. But still those inaccurate items are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
XXXX XX/XX/2022 XXXX XX/XX/20XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed unauthorized and fraudulent inquiries on XX/XX/2021 was not notified of dispute results, and investigation did not fix errors on my personal credit report. Below is attached a FTC Fraud Affidavit statement that highlights all fraudulent items and inquiries. Dispute confirmation number XXXX and dispute confirmation number XXXX
Product: Credit reporting, credit repair services, 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 : # XXXXXXXX XXXX XXXX XXXX  : # XXXXXXXX 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  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 a 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

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

this has nothing to do with bounced fees. its all about loyalty during a rough time. Specifically I have been a customer of WF for many years without a hitch. that means. I have not bounced and have followed the rules. Even was a victim of unauthorized accounts being opened. All i want is my account ending in XXXX which was closed re opened so i can use it I asked for FREE checks for it and was denied despite COVID and despite my long term loyalty. I also would like FREE plain checks for account ending in XXXX one I have held for many years without a problem and with loyalty. please help me without a script and for once show loyalty. PLEASE I am cynical enough.
Product: Credit reporting or other personal consumer reports

This account is sitting on my credit and it should not be on my credit due to identity theft. 

Account Number XXXX Account Type Credit Card, Terms XXXX  Account Status Paid account/was delinquent 60 days past due date Payment Type Revolving Responsibility Individual Opened On XX/XX/XXXX Account Age 5 yrs Reported On XX/XX/XXXXXXXX  Acct. Condition Closed Months History 12 Payment Status Date XX/XX/XXXXXXXX  Credit Limit {$200.00} Current Balance {$0.00} Highest Balance {$320.00} Payment {$0.00} Past Due {$0.00} Most Recent Payment XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX I noticed there were unauthorized transactions in my account made on XX/XX/XXXX. There were XXXX unauthorized transactions made for {$1200.00}, {$1400.00}, {$1300.00}, {$1200.00}, and {$1300.00} from an unknown source named XXXX XXXX. I contacted Discover immediately the same day when this happened and was told I did not need to file a police report and that it would be handled by Discover after I submitted a statement of unauthorized withdrawal which I stated all of the information I've stated here. On XX/XX/XXXX I contacted them again and was informed that they declared it was not an unauthorized withdrawal and that I would have to resubmit a request with more documents. I have never heard of XXXX and from the information I gathered online myself, it appeared to be a horse race betting site which would be impossible for me to use since I am under XXXX XXXX XXXX age regardless so I could not have made these transactions.
Product: Debt collection

On or about Tuesday, XX/XX/XXXX, a guy claiming to be from a company called XXXX threatened legal action against me if I did not pay a past due amount. They threatened arrest, jail and garnishment of wages if I did not agree to immediately pay something. 
Out of fear, I paid {$50.00} immediately and agreed to {$150.00} payments for the next 4 weeks even though I can't really afford that at this time. They have my debit card numbers and will withdraw the money on certain dates. 
I am concerned about the legality of this. I don't like strangers with my card numbers ; I have no idea who these people are and if they're legit. I was supposed to receive a receipt by email for the {$50.00} paid already and never did. 
Until I can verify that they are legit, I will be canceling my cards..I do not want to lose funds to this potential scam.
Product: Credit card or prepaid card

Discover  Credit Card From  XXXX  until now, currently  XXXX   XXXX , I 've been being charged for a " payment protection plan '' monthly that I did not sign up for. I 've used auto pay since I can remember and never noticed the charges until now.   Why would anyone pay ove r 50 $  a month just incase they miss a minimum payment? This is not a service that I would knowingly sign up for.     I called the company and they said they would reimburse 6 months of fees and admitted this has been an issue with a lot of customers. I 've never once used the service or ever wanted a service like this. I 've paid o ver 2,000 $ t hat I know of, to this service that I have never used and never wanted over the years. They have had me enrolled in this service unbeknown to me since  XXXX .     Through research online I know a lot of people have had this happen and their have been lawsuits over this issue. I 've read that more money has been reimbursed than 6 months of fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX Last reported XX/XX/2022 {$840.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/2022 ( XXXX XXXX ) Account status Open Type Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX  # XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX -- -- UNAUTHORIZED INQUIRY 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 a 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I paid a {$170.00} deposit for a service I did not get. The email from the thief business on XX/XX/2023 says, " we will process your refund '' but they haven't because the owner is a thief and scammer. He has IGNORED all my emails trying to get my money back. I filed a dispute with navy federal who also IGNORES my secure messages that are supposed to be responded to in 2 business days!!!! NAVY FEDERAL CUSTOMER SERVICE XXXX!!! I want my {$170.00} refunded IMMEDIATELY and I want my messages responded to IMMEDIATELY!!!! THIS IS COMPLETELY UNACCEPTABLE!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account XXXX ( XXXX XXXX  ) {$120.00} with XXXX, Experian and XXXX  and the incorrect information is still there. I do not know who XXXX ( XXXX XXXX ) is. I have never signed an agreement with XXXX ( AXXXX XXXX ). They should NOT be on my credit profile. 

I disputed the account XXXX ( XXXX XXXX   XXXX  ) ( {$370.00} ) with XXXX, Experian and XXXX  and the incorrect FRAUDULENT information is still there. I do not know who XXXX ( XXXX XXXX XXXX  ) is. I have never signed an agreement with XXXX ( XXXX XXXX XXXX  ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  with XXXX, Experian and XXXX  and the incorrect information is still there. I do not know what this XXXX account is. I have never signed an agreement with XXXX. They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX ( {$240.00} ) with XXXX, Experian and XXXX  and the incorrect information is still there. I do not know what this XXXX  XXXX account is. I have never signed an agreement with XXXX  XXXX. They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The fraudulent errors still exist
Product: Debt collection

I am submitting a complaint against Discover Financial regarding their debt collection practices. I have requested that they stop all forms of communication with me, as their ongoing contacts are causing significant stress and XXXX  This communication should not be interpreted as an acknowledgment of any debt. Under the Fair Debt Collection Practices Act ( FDCPA ) and applicable Florida law, I have the right to demand that they cease all contact. Should they fail to comply with this request, it will result in grounds for legal action.
Product: Debt collection

BMO Harris Bank refused to disclosure of 1st position balance to a XXXX XXXX, subordinate lien holder for the property at XXXX XXXX XXXX XXXX XXXX XXXX for the borrower XXXX XXXX.
Product: Credit reporting

Came up with page saying : " Online Delivery Unavailable - Mail in Request We 're sorry, for your protection we are unable to deliver your Equifax Free Annual Credit Report online. '' I have a time sensitive issue ( fraud ) and can not wait 3 weeks for them to get me my report. Equifax would not help me or give me a way to see my free report and I could not get a real person to talk to about the problem at XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process a was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have 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

In accordance with the Fair Credit Reporting Act. The list of accounts below by companies have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I notified XXXX, XXXX, and XXXX that a reinvestigation is needed for these accounts. XXXX XXXX, XXXX, XXXX, Nelnet. 
15 USC 1681 604 A section and 15 USC 1681 section 602 A. 15 USC 1681 C. 15 USC 1680 I Charge off account reporting balance and payment. Reporting balance and Repossession. Illegal activity. Nelnet reported late payments when account was under deferred status by Department of Education.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

To whom it may concern, I am writing to formally file a complaint against IQ Data International Debt Collections regarding their violation of the Fair Debt Collection Practices Act ( FDCPA ) during communications about a debt I owe. 

Details of the Incident : On XX/XX/year>, I received a missed call from IQ Data International Debt Collections around XXXXXXXX XXXX. I returned the call at XXXXXXXX XXXX and spoke with a representative named XXXX XXXX. The total amount of my debt is {$4400.00}. 

During this call, XXXX XXXX spoke in a rude, condescending tone and made repeated threats to " take action against me. '' I asked him to provide a recording of the call, which he refused. I find these threats unsettling and unprofessional, especially as I have not received any written correspondence from the company before this call, making this the first communication I have had with IQ Data International Debt Collections. 

Another applicant on the account, XXXX, called to speak with XXXX XXXX about the debt. He was treated in a similarly rude manner and denied the opportunity to speak to a supervisor. XXXX explicitly requested to speak with someone else due to XXXX XXXX 's unprofessional behavior, but XXXX XXXX refused and even acknowledged that he was intentionally denying access to a supervisor. When XXXX attempted to discuss how we could resolve the account, he was still denied a proper response, and XXXX XXXX ended the call with the statement, " Good luck, '' before transferring XXXX to a voicemail. 

Violation of FDCPA : I know IQ Data International Debt Collections has violated the FDCPA by making illegal threats of action on my account, which caused distress and were vague and unsubstantiated. 

Refusing to allow communication with a supervisor, which I believe is a tactic to avoid accountability and maintain a hostile interaction. Using unprofessional and abusive language, which included intimidation and belittlement.

I request an investigation into the behavior of IQ Data International Debt Collections, particularly the representative, XXXX XXXX. 

I would also like a copy of any recordings or documentation regarding my account and communication with IQ Data International Debt Collections.

I am seeking assurance that any further communication from the company will be conducted professionally, with no threats or unsubstantiated claims. 

Should these violations continue, I will explore additional legal options, including filing a lawsuit for the illegal threats and violations of my rights under the FDCPA. 

Thank you for your time and attention to this matter. Please confirm receipt of this complaint and any next steps in your investigation. 

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

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXXXXXX XXXX XXXX  XX/XX/24 I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit card or prepaid card

Wife XXXX XXXX and I each applied for and received an XXXX XXXX XXXX from Chase Bank in XX/XX/XXXX. Part of the benefits advertised in the credit card solicitation was a free night annually ( on account anniversary ) redeemable at any property in the chain with no cap. Our card anniversary date is in XX/XX/XXXX, with first one being XX/XX/XXXX.

In XX/XX/XXXX, Chase announced changes to their program restricting the anniversary night from redemption at higher end properties. This change would go in to effect for any anniversaries after XX/XX/XXXX, but NOT apply to cardmembers who signed up XX/XX/XXXX-XX/XX/XXXX until their second anniversary, allowing them to get 1 free uncapped night their first year. Why would applicants from XX/XX/XXXX be excluded from this exception, considering they never received even 1 single uncapped night, and have held the card longer than XX/XX/XXXX applicants? 

This was false and misleading advertising as well as unfair discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as equifax 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX  XXXX XXXX .... Balance : {$0.00} XXXX OF XXXX XXXX XXXX .... Balance : - XXXX  XXXX XXXX. XXXX : - XXXX BANK XXXX XXXX XXXX XXXX XXXX : {$870.00} : XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX called in XXXX was very rude to me ..asked very personal questions. I got very upset explained why i wss in debt i tried paying it back thru a debt relief co that stole my money. Now im on my own. So i made payment arrangements of XXXX a month Since then they have shut offmy account now 2 times all within 3 months. Because they want XXXX up front paid in full. 
I want the games to stop. I dont have time to play. The bill was on automatic draft out of my account. 
I have proof. This is ridiculous. 
Im not calling because the ladt time they said they received no payment when i had my bank statement in my hand and i told them it was taken out on the XXXX as it was agreed to. 
Well. I guess this is all a game to them but its not to me. 
I have been in financial hardship trying to do the right thing.