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

In XX/XX/XXXX, I called Citibank to convert my account to a basic banking account, which I was told would not incur fees as long as I maintained a $ XXXX monthly average balance. This is an inactive account, one that I opened 25 years ago and kept open in recent years mostly so as not to damage my credit score. 

Last week, ( XX/XX/XXXX ) I saw an email from Citibank alerting me that my savings account had a negative balance. I called them up to find out what was happening. It turns out the specialist who had converted my account to the basic banking product left my linked savings account out of the package meaning I incurred $ XXXX/mo monthly maintenance fees and $ XXXX/month overdraft fees. 
The first supervisor I spoke to reversed two thirds of the charges, and informed me I would need to call back to get the rest reversed. He admitted that this was a clerical error on Citi 's part and my linked account should have been converted to the basic product at the same time as my checking. 
All seemed fine, until I called Citi yesterday to reverse the remaining fees ( {$170.00} ) reversed, only to be told this was not possible. While originally I was willing to consider the " clerical error '' that led to the high fees was the result of an honest mistake, my latest interaction makes me think Citibank is preying on customers who are too busy or unable to track their accounts on a regular basis. 
In summary, late last year Citibank had assured me I would not pay any monthly maintenance charges as long as I maintained a balance of $ XXXX/month, but ended up finding a way to charge me $ XXXX/month and refuses to reverse the charges even though they resulted from their clerical error. 
In addition to the hefty fees, Citi has damaged my credit score.
Product: Bank account or service

I received a text message from what appears to be an HSBC address saying that suspicious activity has been detected on my account, and to verify my account details to prevent suspension of my account. This seemed fishy XXXX, so I called HSBC directly since their website does not allow me to log in unless I have an active account, which to my knowledge I do not. The phone system HSBC employs will also not allow callers to speak with a representative unless they either have an active account or lie about the nature of their call. In my case after a half-hour spent trying to navigate through their many menus and failing to get a live operator, I pressed the key sequence to tell them I was interested in opening up a new account, which produced ( surprise, surprise ) a live operator waiting to take my money. After explaining the situation to this operator, they told me this was a fraudulent text, but could otherwise not assist me to make sure that there was no other fraud happening in connection to my identity or former account information. 

While I completely understand HSBC has no controls over scammers using their name in their attempts to commit fraud, the fact that HSBC makes it not only difficult but nigh-on impossible to speak with a live human being goes beyond the pale, especially since they are active targets of fraud attempts. As a past customer of theirs whose vital details are in their system, I find it extremely alarming that they care not one whit for customer relations unless you are handing them money on an active basis. After all, I have no control over or knowledge of their IT infrastructure and they clearly have little to none either.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I received 3 diferent credit bureaus reports with intentions of trying to improve my credit and take care of my responsibilities and noticed a few accounts that are reporting different inaccuracies to each credit bureau. I want a little more explantion on how that is possible they are legally allowed to do such a thing. There were no acoount numbers provided on my reports to submit. 

Company # 1 MIDLAND CREDIT MANAGEMEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX # 2 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX # 3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX I also read something called the Fair Credit Reporting Act ( 15 U.S.C Sec. 1681i ( A ) ) where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. I have made several attempts by reaching out to the 2 companys, but it was with no resolve. 

Respectfully, XXXX XXXX
Product: Checking or savings account

My Wallet and phone were stolen on XX/XX/2023 ( police report number attached ). I have had issues since then with email security and unauthorized charges from my accounts, all of which were to the same merchant - all of which were cleared up and deemed unauthorized transactions by my other banks and card providers EXCEPT Chime, who obviously did not investigate at all because they responded the next day saying their investigation concluded that the activity was valid. XXXX did a REAL investigation on the same merchant " XXXX XXXX  '' and the transaction, and deemed after 10 days of investigation that it was indeed stolen and fraudulent where my information was used twice by the merchant " XXXXXXXX XXXX ''. I requested re-opening of both investigation numbers and both were AGAIN closed within 24 hours. See information about both claims below. The merchant all transactions were charged to was a XXXX XXXX XXXX XXXX, I live in Illinois. They were also not pin transactions, the bottom line is CHIME DOES NOT INVESTIGATE THEIR CLAIMS AT ALL IT IS IMPOSSIBLE TO MAKE A DETERMINATION IN 12 HOURS, this is egregious Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$1000.00} Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$310.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA
Product: Debt collection

I have sent several factual disputes to each bureaus informing them of the inconsistencies and violations of the FCRA with how this account is reporting on my credit profile. It is my understanding that the FCRA requires that all credit bureaus are reporting the same information across the board, and that information has to be consistent, if not its a violation. Theres several violations with this report such as, the inconsistent date is open, stating the account is not being disputed when it is, XXXX reporting this account as open and equifax and XXXX reporting it as closed!
Product: Credit card or prepaid card

At approximately XXXX CT on XX/XX/2022, I received a call from phone number XXXX and said her name was XXXX and that her son was on an XXXX and it has my phone number so she requested a passcode that had been sent to my phone number so she could have my number changed to her phone number. I was in a meeting when I answered the phone so ( being a dummy ) I gave her the one-time passcode of XXXX, that I had received on my personal cell phone. After the meeting I read the whole text and it stated ; " Your One-Time Passcode is XXXX. We will not call you and ask for this code. Call XXXX  at XXXX if you did not request a passcode. '' I called the XXXX number and talked to XXXX and she said she was from the First National Bank of Omaha from the fraudulent department call center. I told her what happened and she said someone probably wanted to open an account in my name. I gave her my name and she said she couldn't find an account, I told her that's because I don't have one and it sounds like no one tried to open one up. She then asked for my social security number and I told her I don't give that out. She was very nice and said that was the only other way to check if I had an account. I asked her if she could check by phone numbers and she said no. I told I'd need to call the police and see where I go from here. I called the police and they recommended going to the FTC.gov. When I went to that website it sent me here to the CFPB. As a side note, I tried calling back the first number from 'XXXX XXXX and no one answered and I was unable to leave a message.
Product: Mortgage

Please help me with my mortgage company refusal to reduce my account by {$49000.00} due to late payments in XX/XX/XXXX. I was 91 days late due to financial difficulties and was never informed that my account had XXXX surplus all along during that time period. They refunded a check for {$9100.00} in XXXX, XXXX. I have contacted them and they refuse to understand that my account was never in default so they want to keep {$49000.00} which is a great sum of money. Please help me. My account has been current up to the present. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove my inquiries. I applied for a car loan and they ran my credit to 19 different places to get me approved for a loan and told me they were only running it for one place. Now I have numerous hard inquiries I need removed. Its making my credit bad please remove.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXXXXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states that I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 166b states that a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
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 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 or other personal consumer reports

XXXX, Equifax and experian keep reporting inquiries from car companies and loans that Ive disputed over 5 times with them reporting back within a week saying it belongs to me. ive already sent proof of police report of my car with purse inside was stolen and that ive been a victim of identity fraud but theyre not doing any investigation just using third party verification like nexus lexis to try to say it was me.
Product: Debt collection

I do not know what type of debt this is and I know that I did not open any accounts with XXXX in XXXX. XXXX said in XX/XX/XXXX that I have never held any accounts with them. I received no help from them in getting this off my credit report because the managers I spoke with said I never had a credit card or any other kind of account with them. They refused to help me further since I was not an account holder. As a result, I opened a checkings account. Every representative I have met with has told me there are no other accounts in their system with my personal information and that includes closed accounts. A fraud investigation was opened and I learned that my online banking preferences were being ignored. XXXX representatives said they did not know why I was receiving 10-20 letters from them in a week. I brought every batch of letters unopened to a branch location. The employees said there wasnt anything they could do and they documented the issue. XXXX has never verified if the letters were from them or were fraudulent. All I know is that XXXX could not figure out why my opt out preferences were being over ridden and they dont know why I received duplicates of statements and in some instances I received an entire new batch of letters that I had already received months prior. XXXX waives my monthly account fee while they resolve the incident. My fee was waived for this months billing cycle. 

I dont know if the XXXX account issue detailed above is related or not. The only XXXX information I have is from the account I opened in XXXX. Please note that the rep misspelled my name and that issue is pending correction. The name on the account is XXXX XXXX. 

If someone has an account with XXXX that uses my information, could that be the reason that my account is not functioning as designed? Are my preferences overrriden by another account? Or is someone accessing my account without my knowledge because they have my SSN and birth date? Am I listed on any other accounts? 

The debt is with Portfolio Recovery Associates. The only information they provide is XXXX XXXX reported XX/XX/XXXX, XXXX. The amount has not changed since initial collection attempts and is {$2200.00}. XXXX is XXXX. XXXX XXXX XXXX XXXX XXXX VA XXXX.
Product: Debt collection

ATTN CFPB THIS IS NOT A DUPLICATE COMPLAINT, THIS IS IN RESPONSE TO A LETTER THAT I RECIEVED IN THE MAIL FROM BC SERVICES. AS BC SERVICES IS NO DOUBT AWARE THAT THEY ARE CURRENTLY IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT, BUT NOT LIMITED TOO. CFPB PLEASE FORWARD MY RESPONSE OVER TO THE COMPANY PLEASE. 

BC SERVICE 'S YOU HAVE NOW EXCEEDED THE 30 DAY TIME FRAME ALLOWED TO YOU BY LAW! 


I have previously enclose copies of my requests for BC Services to VALIDATE these alleged debts. These debts are not mine and I was given any evidence of my obligation to pay BC SERVICES these alleged debts to this collection company 's currently illegally listed on all three of my credit reports. 
The FCRA requires BC Services to VALIDATE the validity of these alleged items within 30 days. If VALIDATION can not be verified, BC SERVICES is obligated by law to remove these items. This is a clear case of unverified debt here, and I urge BC SERVICES to remove these alleged items before I am forced to take legal action.
Product: Credit reporting or other personal consumer reports

I have previously sent disputes requesting verification and debt validation for the item ( s ) listed below. Additionally, I have requested specific method of verification ( MOV ). Experian is not fulfilling the obligation under FCRA 609 ( c ) ( 2 ). Validation using e-OSCAR or PACER is improper validation and a violation of FCRA. The absence of method of verification and validating debt ownership via third party fails to meet the Consumer Finance Protection Bureaus ' guidelines for what constitutes proper debt validation. Additionally under FCRA 623, I am requesting investigation as to the accuracy of the records on this debt.

The FCRA requires the CRA to assure maximum possible accuracy with your credit file. [ 15 U.S.C. 16 81 e ] ( b ) " Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ''. How is it possible that maximum accuracy is assured when the company is verifying erroneous information to the CRA through an XXXX, and hasn't provided you with proper validation of the debt? 

Under 623 ( b ) ( l ), FAIR CREDIT REPORTING ACT/REGULATION V when a furnisher receives notice from a CRA that a consumer disputes the completeness or accuracy of information the furnisher provided to the CRA, it must investigate the disputed information, review all relevant information provided by the CRA, and report the results of its investigation to the CRA.

Please provide information to the following questions When was the dispute started internally at Experian? 
When was the dispute sent to the original information furnisher? 
When did Experian receive a response from the original information furnisher? 
What information was sent to the original information furnisher and what detailed information was received from the original information furnisher in response to the dispute? The furnisher is required to investigate their records and ensure that they are accurate as well as XXXX is required to have an INDEPENDENT role and actively investigate a dispute and compare evidence. The case law XXXX XXXX Experian XXXX, UNITED STATES COURT OF APPEALS, FOR THE THIRD CIRCUIT, No. 9 6-15 5 3, the judge ruled that Experian violated the Fair Credit Reporting Act by failing to compare evidence. Experian has failed to provide an INDEPENDENT debt verification, specific method of verification, and accurate debt validation. 
XXXX XXXX ...., DEPT OF EDUCATION/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
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my Trans Union credit reportn are all fraudulent, unauthorized, not mine and dont belong to me : XXXX XXXX XXXX, XX/XX/2019, XXXX XXXX, XX/XX/2019, XXXX XXXX, XX/XX/2019, XXXX, XX/XX/2019 and XXXX, XX/XX/2019
Product: Debt collection

Subject : XXXX XXXX XXXX : Unlawful Debt Collection and Reporting Practices with Misleading and Deceptive Communication Details : XXXX XXXX XXXX has committed multiple egregious violations of federal and state consumer protection laws, severely undermining my rights as a consumer. Their actions include but are not limited to : Failure to Provide Validation Information : XXXX XXXX XXXX reported a collection account on my credit report without providing the legally required validation information under 12 CFR 1006.34 ( b ) ( 5 ). Despite my formal request for verification, they failed to deliver any meaningful documentation to substantiate the debt. 

Failure to Provide Original Purchase Agreement : Despite multiple requests, XXXX XXXX XXXX has failed to furnish the original purchase agreement or assignment of the debt from the original landlord, violating 15 U.S.C. 1692g. 
Deceptive and Misleading Communication : When contacted, XXXX XXXX XXXX feigned ignorance of the debt, misleadingly claiming they were unaware of the account in question. This blatant attempt to mislead me is not only deceptive but also suggests intentional misconduct. Meanwhile, they continue to report inaccurate information on my credit report, falsely claiming compliance with federal and state laws. 

Additional Unfair Practices in Rental Debt Collection : They have not disclosed itemized charges or demonstrated that the fees and amounts are consistent with the original lease agreement. This lack of transparency violates 15 U.S.C. 1692f ( 1 ). 

Failure to Honor Dispute Rights : XXXX XXXX XXXX did not inform me of my right to dispute the debt as required under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), further violating my rights. 

Inaccurate Reporting Practices : XXXX XXXX XXXX knowingly furnished inaccurate information to consumer reporting agencies, violating both 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681s-2. 

Unlawful Inquiry on My Credit Report : XXXX XXXX XXXX performed an unauthorized " soft pull '' on my credit report without a permissible purpose, directly violating the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681b.

Statute of Limitations Violations : The debt they are attempting to collect is time-barred under Louisiana law XXXX where the statute of limitations for rental debt is three years. XXXX XXXX XXXX actions to collect and report this expired debt are both unlawful and unethical under the FDCPA. 

Failure to Comply with Licensing Requirements : XXXX XXXX XXXX has failed to demonstrate that they are licensed and bonded to operate in Louisiana as required by state regulations. 

Given the severity of these violations, I intend to escalate this matter with my attorney for further legal action. XXXX XXXX XXXX ' intentional use of deceptive practices and failure to comply with federal and state consumer protection laws can not be tolerated. Their attempt to mislead me, while simultaneously reporting false information on my credit report, demonstrates gross negligence and a complete disregard for their legal obligations. 

This matter requires immediate attention and resolution to avoid additional legal consequences.