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

After having this account for XXXX years in good standing I recently submitted a payment that paid off the entire {$9000.00} balance. The very next notice I get from Citi is that theyve reduced my credit limit by XXXX XXXX from XXXX XXXXXXXX {$2000.00} which negatively impacts my credit by artificially increasing my overall credit utilization. My risk profile did not change and the only activity I took was paying off the account. I took actions that reduce Citibanks risk they then punitively and negatively impact my financial health. The rationale given in the change letter was that my balances on my Citibank accounts were too high in proportion to the credit limit. At the time I had few XXXX dollars on the XXXX XXXX and a {$400.00} out of {$1000.00} available credit on a XXXX XXXX store account managed by Citi, so neither XXXX of those statements is true or accurate. I called Citibank and their only remedy was to push through a request for credit limit increase which will again have a negative impact on my credit score. They can set whatever limits they wish to run their business but this was an active punitive measure that did not occur until I paid off the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

Hello. I have a complaint open regarding this XXXX. 
I was unable to find an area to add new documentation and information and Citizens Bank has escalated the situation. 

Citizens opened an account in my name after assuring me they would not multiple times in writing and over the phone ( please see the previous complaint and attached correspondences with Citizens ).

Since the previous complaint I received an email in response to a certified letter I sent to the Office of the Chairman. XXXX XXXX ' letter assured me they were looking into it and would handle it on XX/XX/XXXX On XX/XX/XXXX, more than a month later, I received MORE checks from them for the account they fraudulently opened. 

I just wanted this on record that rather than handling their actions, they are escalating it. 

Since this bank has proven to not be trustworthy, I am copying in all information from the previous complaint so it's very clear that they have it all together in once place. 

from complaint XXXX I had multiple XXXX accounts XXXX XXXX has changed to a wealth management bank so I received notification that my accounts would be transferred to Citizens Bank. I did not want a Citizens account, so I called Citizens and was told the only way to prevent an account from opening was to fully close my XXXX accounts. I closed my accounts fully with XXXX on XX/XX/XXXX ( receipts attached ). On XX/XX/XXXX I spoke on the phone with Citizens as well as as XXXX messaged with XXXX at Citizens. XX/XX/XXXX I had written confirmation from XXXX via email that an account would not be opened in my name if my XXXX accounts had been closed. They were away of the date I closed my XXXX accounts. On XX/XX/XXXX I received an email about my upcoming account being opened at Citizens. I spent hours on the phone trying to have my info wiped from their database and to get assurance that a Citizens account would not be opened. I spoke with an agent and eventually was able to speak with a manager XXXX on XX/XX/XXXX who refused to remove my email from their database and confirmed multiple times that no account would be opened in my name. She told me that our phone call was being recorded but when I asked for a copy for my records, I was refused. I was given an address for Citizens Office of The Chairman ( with no name attached ) from XXXX and I sent a certified letter on XX/XX/XXXX. I submitted a complaint with the New York State Department of Financial Services on XX/XX/XXXX. They closed the case asking that I submit here instead. This week I have received information that an account has in fact been opened illegally in my name at Citizens after they assured me multiple times that this would not happen. I am attaching photos of the checks and debit card they sent me this week.This company has caused hours of work on my end and between that and the fact that it involves my finances, it has caused a massive amount of stress. Thank you for helping me resolve this.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 I became a victim of fraud. I was contacted, by what was perceived to be a call from XXXX XXXX Police Administration for a failure to appear to jury duty and for contempt of court charges, which really did not exist. I was lied to, humiliated, threatened, and had {$1200.00} scammed from me. I have been with my bank for greater than 7 years. I have made numerous complaints to the bank since last week in reference to my claim and was told, " 99.9 % for XXXX claims get denied because you authorized it. '' Other comments were made also, all enclosed in my letter. This is unacceptable for a bank that is expected to support their customers 100 % in a time like this. I have filed a police report. Attached, is all of the information from the claim. 

Any help is this matter would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX Balance : {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX data breach and the need to check everything to prevent theft of my information has been OVERWHELMING for me! According to XXXX 's website " Potential Impact '' my information may be impacted ( or XXXX ) might be more appropriate. I have been unable to put a fraud alert or freeze with any of the 3 credit bureaus, as apparently no websites can handle the volume of people trying to do the same. We are all just XXXX, right?
Product: Credit reporting, credit repair services, or other personal consumer reports

Well i finally have gotten one fraudulent accounts that were in collections removed and instead of XXXX, XXXX, and TransUnion, XXXX XXXX raising the score XXXX points like advertised, it dropped XXXX, ive been writing vigorously trying to get fraudulent debts where law enforcement and my ex took credit cards out in my name and got loans and services using my information or changing my personal information so they could steal and ruin my credit, all the services and beruas show conflicts of information, I just applied for Credit Cards for the first time in 25 years and it shows ive had them before but it was done fruadulant, I used a company XXXX XXXX XXXX for 25 years and never needed a credit card, i always thought my credit would go up over time and it never did because someone was committing fraud using my information, I want all debts and closed collections removed from my reports globally, i onlywant 1 name on my reports XXXX XXXX  XXXX steal from me or use my information, they probably have fake id, XXXX XXXX XXXX XXXX is the only name i go by ever in life, my address is XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX, take off all those old fraudulent addresses ive never lived in Florida or NJ or Tennessee, I want myscore adjusted to what it would have been if fraud wasn't committed, I work at XXXX now XXXX XXXX XXXX XXXX XXXX XXXX, and formally at XXXX XXXX XXXX XXXX, everything else i want off of my reports globally, so its not so easy to keep doing this to me, i cant even get a apartment in my name and ive done nothing wrong, XXXX is my only social security number my only phone number is XXXX before that i used a company provided cell phone. Please help me getthis all straightened out. My future and life depends on it.
Product: Credit card or prepaid card

XXXX XXXX XXXX, Chase cards I waited a long time asking XXXX to provide the requested services. THey abandoned us and kept the money. Chase wouldn't refund our money because it had " been too long ''. But I did not know that I would be punished for giving XXXX lots of time. Refund {$1000.00}. 

XXXX XXXX has sent nasty emails to me.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report on XX/XX/XXXX, I realized i have several unauthorized inquires on my credit report. This is a violation of the privacy act 1974, also violates FCRA 15 USC 1681 B.

This also constitutes as identity theft being that i never gave any corporation my consent to check my credit or pull any information regarding my estate. 

I have notified the FTC an attached a copy of my report
Product: Mortgage

Acra Lending has created issues with the closing of my residence XXXX XXXX XXXX XXXX XXXX Fl XXXX since I first started working with them to purchase the home. They first did not abide by closing date and changed terms a few days before closing, knowing I had {$80000.00} in deposit that I would lose. The loan XXXX and terms and points changed before effective date. This left me with very little cash on hand for the construction on the home, based on the draw requests work must be paid for and completed before draws take place to obtain funds to pay for repairs/remodeling. They held funds multiple times due to inspection delays and due to the work not being completed according to their guidelines causing several delays in the construction process. Once all draws permitted ( 8 ) which they were not flexible extending were completed the home was listed for sale on XX/XX/XXXX. The loan maturity date is XX/XX/XXXX. The home did not sell and I lowered the price three times due to pressures from the lender on repayment. I asked for Acra Lending to provide an extension and they denied it, based on the note default rate would be 20 %. I asked to extend with points and fees and received threats of primitive foreclosure and harassment from the company. I had a contract on the home at the time that I shared when I requested extension and sent this to them and they still threatened with foreclosure. I had to refinance with another lender for just 45 days from my maturity to loan closing date and paid {$98000.00} in total fees. Their lack of transparency and willingness to work with the consumer cost me hundreds of thousands and almost put me out of a place to live and my entire life savings. This company is taking advantage of personal information provided on sales contracts to coerce buyers into higher rate and terms, and attempting to foreclose companies/clients that have not even missed a payment with the purpose of taking their asset.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV FNDING LLC is in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully furnishing my XXXX  consumer report on XX/XX/23 without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.
Product: Credit reporting or other personal consumer reports

Your credit reporting agency has been consistently providing inaccurate and incomplete account details to my credit file. I am deeply concerned about the presence of these inaccuracies within my credit profile. It appears that your reporting agency has not implemented effective procedures to ensure the highest level of accuracy in the credit information it reports. This lack of diligence may expose your agency to potential liability under 15 U.S.C. 1692g, specifically concerning the validation of debt. Additionally, referencing the legal precedent set in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), your reporting agency could be held accountable for engaging in false reporting. It is imperative to adhere to credit reporting laws, which mandate that bureaus only report credit information that is entirely accurate. 

1. 15 U.S Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and Im seeking litigation please delete at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today after trying online, via text, automated phone and a live agent, Equifax would NOT freeze my credit report after I told them I received a credit card in the mail the other day, that I never applied for. I called credit card holder " XXXX '' whom closed the account and was told it was opened online in VA on XXXX/XXXX/22. I live in PA with my family and work in PA. I've also seen other hard inquiries on my credit report that were not initiated by me. I froze my XXXX and XXXX in minutes yet Equifax was asking me to provide every single open, closed and collections account under my name, with balance & payment amounts, open and close dates and so on and so on. When I could not recall one account that they asked info for, the female agent said she could not verify my identity! I answered dozens of questions and yet she refused and then put me on a hold that was never picked back up. How do I go about filing against Equifax and holding them responsible for keeping my credit report vulnerable?
Product: Debt collection

On XX/XX/19, I was accommodated by a XXXX member holder, as I was getting ready to leave the gym ( a female agent by the name XXXX ) proceeded to yell at me " YOUR A LIAR -- I was looked around she said, " I talking to YOU! '' Embarrassing me infront all those customers. Than, demanded that I open a membership in my name I told her " I going to SUE YOU for embarrassing me by calling me a liar! '' She started to take out her personal cell phone in the attempts to harass and intimidate me by using the film when, I asked her not to record me. She continued to harass me until I agreed to sign up for membership. She stated the asked for my routing, account, and debit info along with my Texas drivers license. Agent advised the first payment would be XXXX.. taking out on the XX/XX/XXXX and the annual would be XX/XX/2019 for {$42.00}. To my finds by my bank alert, XXXX XXXX debited my account on XX/XX/2019 and I just open this ( XXXX account on XX/XX/2019 ). I called XXXX XXXX and was advised no it was not scheduled untilXX/XX/2019. Customer service office advised to speak to the manager of XXXX XXXX on located on XXXX XXXX XXXX XXXX, Tx XXXX. After showing the manager the copy for my bank, she proceeded to take it was correct for them to debit. Manager tried to speak to me in an uneducated form and belittle my intelligence. Manager spoke out in public to other customers and employees about my account status. Her and ( staff-Male ) proceed to make funny discriminating remarks. I asked for my money back and she proceed to tell me NO that was the start up fee. However, her agent never sent any documents to me and to my findings the information was intended not to reach me.. It contained the wrong email, address, and phone. She tried to embarrass me in front of all those customers and staff to blame me for the information not been correct when, her agent put in the info and never gave me a copy of the  contract. I fined it not to be funny on treating people poorly based on the skin color. The manager and staff where XXXX and proceeded to degrade and belittle me by her remarks and unfairness ... I want my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

As expected, CFPB and TRANSUNION have disregarded my request AGAIN for the DELETION of the accounts below which are not mine. I am so baffled by this situation! You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. I have provided everything you need from my personal information to my FTC report which I have filed, but nothing has changed. Im attaching the required FTC Report again for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I went to the bank After my shift was over in a XXXX I walked over to the machine I had three stacks of money the first stack was {$77.00} and that went in perfectly into my account the machine was out of receipt paper it offered to send the receipt to my email I refused because I trusted the machine to count my money and put it in the account the second time I went to use the machine I put the money in the machine it counted it it never show me how much I put in the machine and then it kept saying please wait an then the machine spit out my card and it never went in my account or was counted for .. I went to the bank after I called them first thing in the morning the woman there told me that I need to know how much money I put in there I told her that it was late and I was tired and I was drinking and I trust the machines to put the money in the account and I trust machine to count my money she just told me that she would just put a dispute in and then she told me that its my job to know how much money I have putting my account So I asked her theres no way for you guys to check the machine to find out where that missing money went and she basically told me she couldnt help me and earlier in the morning when I first called the woman hung up the phone I just feel like they were unprofessional and they didnt try to do everything they could to help me the other woman made it seem like I just lost money
Product: Credit card

Made a purchase with Best Buy on Best Buy 's Citibank credit card on XX/XX/year>. XXXX that item on XX/XX/year>. That refund was shorted by Best Buy {$49.00}, which was left as a balance due on the credit card. I reached out to Best Buy several times about this amount still owed to me. They promised a refund was coming, but never did. 

I spoke with Citibank by phone on XX/XX/year>. Told them I was expecting a refund from Best Buy but I knew the payment due date was coming up and what was their recommendation? They said they saw no incoming refund and that if I missed payment it was ok, would not be immediately reported to credit bureau and I could get a courtesy late fee refund. On XX/XX/year>, after still no resolution with Best Buy, I called to file a dispute with Citibank. Was told by the representative I would not have to make a payment. Indeed, on XX/XX/year> I received a letter from Citibank confirming the dispute which also stated I did not have to pay the amount. 

On my XXXX statement I was charged a late fee for not making a payment. I called and had them reimburse the late fee, and the representative again confirmed that I did not need to pay the {$49.00} that was in dispute. However, in following weeks I would continue to get automatic calls and emails asking me to make a payment on the card. Out of concern of being delinquent and the possibility of it affecting my XXXX XXXX, I called to ask if I need to make a payment, but I was assured by representatives that because the amount was in dispute I was not required to make any payment. 

On XX/XX/year> I received a letter from Citibank letting me know because of my delinquency my credit limit on my card was reduced. I called several times over the next few weeks and spoke to many people. No one now seemed to agree that I did not have to pay the {$49.00}. Now they all agreed that I was supposed to have made a payment, and because I didn't make a payment, the delinquency and subsequent reporting to the credit bureaus was justified. They did say that if the dispute was found in my favor, any negative reports to the credit bureaus would be corrected. 

On XX/XX/year> I received a letter from Citibank detailing that the dispute was resolved and my account was credited. However, by that time I had already received another late fee. Rather than asking for another late fee be waived ( which I doubted I would be granted, since my account was apparently considered to be in bad standing at that point ), I even took it upon myself to pay the extra {$29.00} late fee, even though I feel it wasn't warranted, just to be done with the whole ordeal. The delinquency to the credit bureaus was corrected, but not my credit limit, which also affects my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified when opening a bank account that I had a loan with this company. I tried calling but the company was very rude and told me I had to open the account. I never opened a account with this company
Product: Mortgage

Fifth Third Bank bought my mortgage from XXXX XXXX  last year. The payment is past due after the XXXX of the month. I pay it through BoA by the XXXX every month, as I have with every mortgage in the past. Every month, Fifth Third calls and wants to put me through an extensive interview process to understand why my mortgage is late. The callers are all from another country, do not understand English well and when I try to explain that it is not late and has NEVER been late, they just keep following their process. This is outright harassment. I looked them up on Consumer Affairs site and they get ONE STAR. I have never seen any company get one star, let alone a bank. My question : " what is your office doing to hold this bank accountable in the State of California? ''