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

XXXX XXXX  deposited funds from a home equity loan into checking account I have with Citibank on XX/XX/XXXX. They were there. On XX/XX/XXXX I noticed the account was blocked and contacted customer service. They stated the account was under review by their fraud department. On XX/XX/XXXX I followed up with customer service and was told they closed the account and I would receive a letter explaining their reasoning and more information. On XX/XX/XXXX I called their fraud department and was told XXXX was the account balance and would be sent to me upon the accounts official closing. The supervisor I spoke with told me my direct deposit paycheck on XX/XX/XXXX from work had been declined and they would get it back since my account was closed. 

After reading online about Citibanks past treatment of customers in similar situations I contacted them again on XX/XX/XXXX and asked to speak with their executive response unit. I was transferred to multiple people that were not this department. A supervisor also told me that they had accepted my direct deposit on XX/XX/XXXX and those funds were on hold as well. He also told me the XXXX dollars from my home equity loan would not be dispersed to me upon the account officially closing. I found the number to the citi executive response unit of XXXX and called them directly. XXXX at ext XXXX was assigned to my complaint and my case number is XXXX. Their email is XXXX. She asked me to submit documents linking XXXX  to the funds and myself. I submitted a closure on the loan with all of the information requested and a current statement from the loan. She was confident that would suffice and submitted the documents for review. Today XXXX she called and told me the documents were declined and that XXXX and I would have to go through a Hold Harmless Claim or Uniform Indemnity Agreement to request the funds be returned. This could take another 2 weeks to 60 days on top of the 30-60 days for the account to be officially closed. My home renovation has been put on hold, I lost my contractor to another job, have been charged fees from other institutions because Citi did not initially tell me they closed the account, and most of my funds are being held by Citibank. They did not even notify me of the blocking of my account. I found it upon logging in. Every person I talked to gave me varying information and they have blocked me from any access to my account or history so I can not verify any of my information previously with them. Please help
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern and frustration regarding the multiple, unsuccessful attempts I have made to rectify fraudulent items on my credit report. These fraudulent items are negatively affecting my credit profile and financial well-being. 


There are inquiries and inaccurate addresses listed on my credit report that I believe are the result of identity theft or fraud. These items do not belong to me, and their presence is unjustly damaging my credit score. 
I have diligently followed the established procedures for disputing inaccuracies in my credit report as mandated by the Fair Credit Reporting Act ( FCRA ). In each dispute, I have provided detailed explanations, supporting documentation, and evidence to substantiate my claims of fraud. 

My previous dispute letters and supporting documents have received little to no response, leaving me unsure of the progress or status of my disputes. 
The delay in resolving these fraudulent items has caused significant financial distress and limited my ability to access fair credit and financial opportunities. 

The presence of these fraudulent items continues to damage my credit score, making it difficult for me to secure fair lending terms and credit opportunities. 

I understand the critical importance of accurate credit reporting and am committed to working with your credit bureau to ensure the integrity of my credit profile. However, the lack of responsiveness and efficiency in addressing my concerns has left me deeply frustrated and anxious. 

I kindly request that your credit bureau conducts a thorough and immediate investigation into the fraudulent items I have reported and takes swift action to remove them. I also request regular updates on the status of my disputes, as required by the FCRA. 

Enclosed with this letter are copies of my previous dispute letters, supporting documentation, and certified mail receipts, which serve as evidence of my earnest attempts to rectify these fraudulent items. I am asking for your immediate assistance to remove the fraudulent items in my credit report : XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX, CA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

I am the step-mother of the " so-called '' debtor. They are claiming my son took out an online payday loan and used a Citibank check as collateral. My son has never had a bank account with Citibank nor has he done an online payday loan. They call my personal cell phone number to get to him. They also call him. We have asked for original documentation of said loan and they will not provide it. 

I was told me she was going to call me everyday until my son settled this loan that he did not take. They have his address listed as somewhere he has never lived. The middle initial is wrong and the year of birth is wrong, but they will not listen to us when we point these things out.
Product: Credit reporting or other personal consumer reports

I tried to access my credit report but I could not even after inputting the correct information
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I received an updated Experian credit report and found that I continue to be plagued with inaccurate accounts. This dispute is pertaining to the account listed by the debt collection company XXXX XXXX.

On XX/XX/2018 I sent a debt validation letter ( attached item A ) to XXXX XXXX requesting several items of information including any copies of documents proving my agreement to such debt. I never received any documents proving that I agreed to this debt. I only received information on how they calculated the amount due ( attached item B ) and a statement. XXXX XXXX never sent me anything that could verify that the account belonged to me.

On XX/XX/2018 I sent a dispute letter ( attached item C ) to Experian detailing the situation and provided them with the documents that were sent to me from XXXX XXXX. After Experian conducting their investigation, I was sent an updated credit report and the account listed by XXXX XXXX was still deemed as verified. How is that possible? How was Experian able to verify the account?

According to the Fair Credit Reporting Act, credit bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract on any and all accounts posted on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.

This negative account has directly caused me great financial distress which includes being denied credit and offered unfavorable credit terms.

My demand is the immediate and permanent removal of this inaccurate account listed by XXXX XXXX on my Experian credit report. This is my final attempt at a resolution with Experian regarding this matter before I retain a consumer protection attorney and present my grievance in a federal court.
Product: Vehicle loan or lease

On XX/XX/2022 I authorized a payment over the phone for the amount of {$18000.00} to Truist bank. This amount was my pay off balance, as provided by Truist. The total amount cleared my Savings account with XXXX XXXX XXXX on XX/XX/2022. 

Truist is alleging a " payment reversal '' for the amount of {$18000.00}. The reasoning provided for this reversal is that there was " no account associated with these funds. '' I have sent Truist 's loan department a summary of transactions from my savings account that show the full amount {$18000.00} being cleared from my account. XXXX XXXX XXXX informed me that there is nothing pending on this transaction nor are they seeing a reversal initiated. No one from Truist is able to tell me where my {$18000.00} is. 

My concern is that I am now missing {$18000.00}, and I am further in debt than I was on the date I tried to pay off this loan as it has since accrued interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account 3 times with XXXX, XXXX and Transunion. I asked each credit bureau to send proof of validation and each time I keep getting a report back saying that this account has been updated or either closed but no proof of validation from this company or no original contract and by law if this is reporting on my credit report, I have the right to send me proof of validation. However, I did receive a letter from a collection agency with a total different amount that 's reporting to the credit bureau. I am not liable for this account. They have no proof of validation and reporting different amounts to collection agency and credit bureau. Please have credit bureau send me proof of validation or remove this from my credit report. They are reporting inaccurately.
Product: Checking or savings account

I attempted to open a corporate account for a business, which I recently purchased in XX/XX/2020. 

I was met by a personal banker at the Comerica Bank branch, who took my contact information and business name, and told me I would be contacted for an appointment to bring in my business registrations and complete a formal application. 

A few hours later i was contacted by phone by the banker and was informed that my business account was declined, although I was never given an opportunity to provide the necessary documentation for my business. 

When I asked what was the reason for the denial, the banker was unable to provide a reason for the decline. At that point, I instisted on speaking with the bank manager for a better explaination. 

The bank manager contacted me by phone and i explained that I felt racially discriminated against, on account I was declined without ever completing a formal application. Bank manager then asked me " why did youi choose to open an account with Comerica bank '' and followed up with additional quetions, regarding where i live, and other invasive questions. 

I provided answers to the managers questions, and he stated " there are a lot of red flags ''. I explained it was a new business which is incorporated in Arizona and I am currently opening an office locally within the city. The manager 's response was just to " find another bank '' ... and was unwilling to help.
Product: Credit card or prepaid card

XXXX XXXX  GiftCard purchased in 2014. Bank states that because the card was inactive after 12 months. They automatically deduct {$2.00} per month until active. We never used the two cards we had so we lost all our entire gift card balance. Explained that these fees were outlined in the agreement. Why should the funds expire? This is the banks stealing money from consumers.
Product: Money transfer, virtual currency, or money service

Hello, Paypal freeze my account for 180 days and then decided to take my balance at the end ( XXXX $ USD ) because they said i used my account for gambling, i was using an online know website for gambling and they were using paypal as a withdraw option. How as a customer am i supposed to know that gambling is not allowed on Paypal? They did not give me a notice or a warning or anything, they directly decided to freeze my account and they took my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian on three different occasions I advised them that I have been a victim of identity theft I provided them a police report and told them that the XXXX account is not mine and I didnt authorize this account I also advised them of inquiries that were not mine. The XXXX account is not mine and there refusing to remove it even though I have a valid police report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear [ Equifax / XXXX XXXX XXXX XXXX XXXX I am writing to request an investigation of the following information on my [ Equifax / XXXX XXXX XXXX XXXX credit report : Dispute XXXX : The charge-off of an obligation with [ XXXX ] is incorrect. The following is the identifying information of the error : Account # [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXX ] [ XX/XX/XXXX ] Explanation of my dispute : [ I am the victim of identity theft, and I did not open this account ] Dispute XXXX : The charge-off of an obligation with [ XXXX  XXXX XXXX  ] is incorrect. 
The following is the identifying information of the error : Account # [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXX ] [ XX/XX/XXXX ] Explanation of my dispute : [ I am the victim of identity theft, and I did not open this account ] Dispute XXXX : an obligation with [ XXXX XXXX XXXX XXXX ] is incorrect. 
The following is the identifying information of the error : Account # [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXX ] Explanation of my dispute : [ The creditor misreported my account, and all my payments are current ] Dispute XXXX : an obligation with [ XXXX XXXX XXXX ] is incorrect. 
The following is the identifying information of the error : Account # [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXX ] Explanation of my dispute : [ The creditor misreported my account, and all my payments are current ] Dispute XXXX : an obligation with [ XXXX XXXX XXXX  ] is incorrect. 
The following is the identifying information of the error : Account # [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXX ] Explanation of my dispute : [ The creditor misreported my account, and all my payments are current ] To further support my claim, I have attached documentation including : A copy of my credit report. 
identity theft complaint. 
Drivers license & SSN card Please let me know if any additional information is necessary to remove the charge-off and late payments from your records. I appreciate your assistance. 

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

In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : XXXX, XXXX, XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXXXXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ). 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : Self-Employed Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2400.00}, {$39000.00}, {$21000.00}, {$19000.00}, {$6000.00}, {$2500.00}, {$500.00}, {$500.00}, {$20000.00}, {$73.00}, {$23000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX with ACCT # XXXXXXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$2400.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$39000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXXXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$21000.00} -This is not my account. 

4. XXXX/XXXX with ACCT # XXXXXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$19000.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$6000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

8. XXXX/XXXX with ACCT # XXXXXXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 


-- AUTO ACCOUNT -- 9. XXXX XXXX XXXX  with ACCT # XXXXXXX opened on XX/XX/XXXX with a credit limit of {$20000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. XXXX  XXXX XXXX XXXX   with ACCT # XXXXXXX opened on XX/XX/XXXX with a credit limit of {$73.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$23000.00} -This is not my account.
Product: Mortgage

I have received a letter from Mr. Cooper claiming I did not purchase home insurance. I purchased my insurance in XXXX and the payment needs to come out of my escrow. My insurance company has yet to be paid even though I sent them proof of insurance. 

Mr. Cooper has tons of phone numbers on their letters/website/statements but NO LIVE PERSON will ever answer the phone. They are trying to force me to pay for ANOTHER insurance policy claiming I don't have XXXX which is untrue. 

I also tried chatting with them online but you can do it because there is nowhere in the chat session to actually type information. Its like they are purposely not wanting to speak to any of their customers. 

Its not o.k. that I can't speak to a live person at my mortgage company. I have heard horrible things about this company and I know there have been class action lawsuits as well. My mortgage was sold to them by XXXX XXXX so I am stuck with them for now. 

I want to know why they refuse to speak to me on phone or chat and what your agency can do to force them to allow their customers access to LIVE PEOPLE In the XXXX years I have owned various homes I have never experienced such a stressful and unprofessional situation.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> Nothing has been done about this I have asked serial times for all negative items to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  was not authorized to pull score. They have an internal score. 
They was several car dealerships loan company that had access to my credit when I've authorized 1
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report on XX/XX/2019, I observed unauthorized hard inquirys on my credit report with XXXX, XXXX   and XXXX from a unknown companies such as Discover Financial Services, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  and XXXX   XXXX XXXX. These hard inquirys was not authorized by me and was done without my consent. I have been a victim of fraud a while back and periodically check my credit report. I am requesting for these companies/ creditor to remove any inquiries associated with these companys above from my credit report. Attached is document showing that is on my credit report from all 3 credit bureaus and is damaging my credit. I have no service with them, havent applied for any service with them nor have any obligation as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

So, I filed a dispute to remove personal information that I do not want on my credit report. My dispute number is XXXX, I spoke with representative XXXX XXXX on XX/XX/XXXX. The representative assured me that my information would be removed and name would be updated. On XX/XX/XXXX I received a letter from Equifax with my name spelled incorrectly stating that I needed to send in documentation to update my name and remove this incorrect personal information. I contacted Equifax on XX/XX/XXXX and spoke with a representative who stated that XXXX XXXX did not file my dispute properly and the only way to remove and update this information would be to send in documentation. I explained to her that I did not give written permission to use my information that my name is wrong and that I want my information removed immediately. I am in the process of fixing my credit to better my life and get a home and car for my children and I after having to leave an abusive marriage and start over. So to have to deal with these clear violations of the law is just frustrating and upsetting on top of what I'm already dealing with. She filed a new dispute for deleting my name and that dispute number is XXXX. Again these are clear violations of my rights and I want this information corrected and removed immediately. 

According to the fair credit reporting act 15 USC 1681. I have the right to privacy. According to 15 USC 6802. No financial institution is supposed to share my information to third party people. Also, according to 15 U.S. C. 16815-2 ( 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 These are clear violations of my federally protected consumer rights.
Product: Student loan

With the knowledge that student loan repayment would restart in XXXX, I started working with MOHELA to correct my payment amount, as they hadn't updated my account to reflect the SAVE plan yet. I started calling MOHELA some time around XX/XX/XXXX. We are now in XX/XX/XXXX, payments have started but MOHELA just can not get my payment amount correct. Month after months, I call. I spend about 10 hours per month doing everything I can to get MOHELA to just do their job and do it right, but somehow they just can not. My payment should be $ XXXX, and while MOHELA has changed my payment amount numerous times over the last several months, they still can not get anywhere close to the accurate figure. 

In XXXX, a MOHELA supervisor wrote very clear notes and instructions to whomever would be updating my payment amount, which, if followed, would result in the accurate calculation of my payment amount. VERY CLEAR. Yet these notes and instructions went unheeded and my payment is still calculated at more than twice what it should be. 

All of my efforts to this point have been fruitless. I honestly do not know what else I can possibly do to get MOHELA to just simply do its job and do it right. I have gone above and beyond with my efforts, however I can not overcome the incompetence or lack of care from this giant company.