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

I opened a new account with Citibank on XX/XX/2022. On XXXX XXXX I went into a branch to deposit a payroll check ( XXXX ). On XXXX XXXX I deposit another payroll check ( XXXX  ) in the morning through mobile deposit. Shortly after I was locked out of my account without explanation. Around XXXX I called customer service to get helped into get into my account. I was then notified that my account was flagged for fraud and they need to contact my employer to verify the check. I provide my employer 's information, Citibank called and was able to verify the check. That was the only concern they stated, and reinstated my account but I was still blocked from my account? I had an available balance before I submitted the mobile deposit and I was denied access and my debit card was deactivated. After several hours of trying to get information on my available balance, I was told to call back on the following day, Saturday XXXX XXXX for better assistance. I was very confused on why my available balance was on hold if the check was verified. According the FDIC and the Citibank Branch Manager, checks are held up to 7 business days. And I should have been notified about the hold for verification, which I not. 
On Saturday XXXX XXXX I called and spoke to someone named " XXXX XXXX who stated she was a Fraud Analyst and she gave me information on my account. She stated that my account was reinstated and I was able to go to a branch to withdraw my available balance and obtain a temporary debit card. When I arrived to the branch, I spoke to the Branch Manager by the name of XXXX XXXX. I played her my recording of the call when " XXXX '' was providing me information and stating her name and job title. XXXX then disclosed while looking at my account that I was not speaking to a Fraud Analyst and that her name was not " XXXX ''. In fact she was customer service representative by the name of XXXX. I was upset that I was lied to by a company I was trusting with my finances. I was told my XXXX to return to her branch so she could call the fraud department to get things sorted out. I returned to the branch on the following Monday XXXX XXXX. XXXX help the best she could and promised to follow up the next day. She also submitted I get a new debit card and have it expressed to me, that I should receive it on Tuesday XXXX XXXX. It is XXXX XXXX : XXXX and I have not received a debit card as promised. I am still not able to log into my account to review my account as I no longer trust Citibank. I was denied access because I do not have a debit card. I called customer service to find out when I could obtain a request form to close my account with them. I was told there are no form and Citibank does not email confirmations. All of my funds are in Citibank and I have been locked out for 5 days. I have not been able to purchase medications, food, or any other necessities for 5 days and counting.
Product: Credit reporting or other personal consumer reports

XXXX / TRANSUNION / XXXX HAVE REPORTED OVER XXXX INQUIRIES ON MY CREDIT REPORT WITHOUT MY PERMISSION WHICH IS A VIOLATION OF MY PRIVACY RIGHTS PER 1.THE PRIVACY ACT OF 1974 2.15 USC1681 ( B ) PERMISSABLE PURPOSES THEY WERE ALSO SUED FOR THIS BY THE FTC IN XXXX XXXX XXXX FOR THE SAME ACTIONS. 

XXXX, doing business as XXXX XXXX XXXX, will pay {$300000.00} to settle Federal Trade Commission charges that ads for its free credit report offer failed to disclose adequately that consumers who signed up would be automatically enrolled in a credit- monitoring program and charged {$79.00}. The FTC alleged that the failure to clearly disclose the enrollment and charges violated a previous settlement. 

In XX/XX/XXXX, XXXX, paid {$950000.00} to settle FTC charges that it deceptively marketed free credit reports. According to the FTC, XXXX offered consumers a free copy of their credit report and added that they would provide 30 FREE days of Credit Check Monitoring. The FTC alleged that XXXX advertising and Web sites failed to explain adequately that after the free trial period for the credit-monitoring service expired, consumers automatically would be charged a {$79.00} annual membership, unless they notified the defendant within 30 days to cancel the service. XXXX billed the credit cards that it had told consumers were required only to establish your account and, in some cases, automatically renewed memberships by re-billing consumers without notice. In addition to the {$950000.00} payment, the settlement required XXXX to pay redress to deceived consumers, barred deceptive and misleading claims about free offers, and required clear and conspicuous disclosure of terms and conditions of any freeoffer.

The FTC alleges that XXXX ran ads after the settlement that violated the disclosure requirement. The settlement requires XXXX to give up {$300000.00} in ill-gotten gains, and bars it from misrepresenting any affiliation with the annual credit report available to consumers under the Fair Credit Reporting Act.

The stipulated judgment and order named XXXX XXXX XXXXXXXX, doing business as XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. 

The Commission vote to accept the supplemental stipulated judgment and order was 5-0. It was filed in United States District Court for the XXXX XXXX XXXX XXXX  in XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have a collection from XXXX in the amount of {$580.00} on my equifax credit report. I disputed thaat item with XXXX who in turn were unable to validate. Subsequently they sent me a letter stating the account had been closed and the would delete from all XXXX bureaus. The item has been deleted from XXXX and XXXX but is still showing on equifax. My letter dated XX/XX/2017 siad all further questions should be directed to the bureaus. So i called equifax and they instructed me to call the creitor back. When i tried to call the creditor i cant get through because as soon as i enter the account number the recording says the account is closed and the call disconnects. So i called equifax again. Equifax tells me theres nothing they can do aand they do not have contact informaation for the creditor. I offerred to send the letter i have from credit protection to equifax. They told me that would do no good. How can they not delete this item when theres no way to validate the debt? And i have a letter stating the order was issued to delete and the other XXXX agencies have already deleted the item.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 XXXX officially blocked and removed the erroneous bankruptcy information in my consumer file after I disputed the erroneous bankruptcy information. on XX/XX/2023. On XX/XX/2023, I disputed the bankruptcy information with XXXX, XXXX, and TransUnion and each has yet to remove the information or even respond to my dispute. XXXX claims that they verified the information with the 3rd party vendor ( XXXX ) of public information and that is obviously not true since it had been deleted and removed from my account over 30 days prior. That is a direct violation of 15 USC 1681. 

ATTACHMENTS XXXX Consumer Center ( 2 ) XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX received a cashier check for {$1400.00} on XX/XX/2018. As of XX/XX/2018 2 billing statements show that I still owe {$1400.00} on all 3 credit bureaus. This is effecting my credit scores. I filled disputes with all 3 credit bureaus. Why is XXXX refusing to update my account with a XXXX   balance to the reporting credit bureaus.
Product: Credit card

In XX/XX/XXXX I became aware of a Capital One credit card opened in my name back in XXXX. I contacted Capital One in XX/XX/XXXX regarding the account. They responded there was not an error and the card was still mine. I tried to get the personal information ( email, phone, etc ) they had on me to confirm it was not mine but they refuse to give me the information they have so I have no way to prove the card does not belong to me and they can not prove to me why they believe it is my account. I again contacted Capital One in XX/XX/XXXX after I was threatened to be turned over to collections. They still won't work with me, but insist it's my card. I did manage to get monthly statements from them. What I found are a few charges to fuel stations, XXXX, XXXX, and a fast food place. There are also A LOT of over the limit or late fees charged - XXXX XXXX XXXX worth! I am at a loss in how to prove to Capital One that this card was opened without my knowledge, I do not have a card with them, and I want this resolved and cleared from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : Bankruptcy Federal XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

we purchased a manufactured home in XXXX and obtained fha financing. To date-Tax records do not show our property as real property- they only have it listed for XXXX for the land value. We have tried since XXXX to get the original mortgage company ( XXXX ) to correct documents and file with the tax office. Until this is completed we are not able to file for homestead or over XXXX exemption. We also applied for a loss mitigation and were denied due to unresolved liens shown on the title search. all of the liens showing were for similar names and not ours but they were unable to correct the deeds and used that as excuse for denying the loan. They were already in the process of trying to foreclose but were not able due to title issue. in XXXX XXXX, we were sued by XXXX XXXX, Tx for unpaid taxes on the manufacutured home which was still listed in the previous owners name. We could not get XXXX to pay the taxes until we contacted HUD. they in turn contacted XXXX and told them they needed to pay the taxes. In order not to lose our home we had to file chapter XXXX bk and started making payments again. Once our loan was sold to Loan Care- our payments were increased from XXXX to XXXX due to the escrow shortgage, We were not able to pay the increased amount. Once loan was sold to Seneca, Our payment were then again dropped back to XXXX, But they would not allow us to make payment unless we paid the full arreage. They will also not speak with us since we have filed Chapter XXXX and state they can only talk to Trustee for BK- So here we are 5 years later without a home listed in the tax records. I have attached copies of all tax records, letters, petition for suit.
Product: Debt collection

Im being constantly harassed by Credit Bureau Services of Iowa , Inc., debt collector representatives for a debt I dont owe and is the result of identity theft. The following debt from XXXX XXXX, account number : XXXX, reference number : XXXX with a balanced owed of {$50.00}. The debt isnt my debt and is the result of identity theft. Credit Bureau Services of Iowa is in violation of the Fair Debt Collection Practices Act ( FDCPA ).
Product: Debt collection

Upon reviewing my personal credit report, I noticed accounts that I do not own were opened in my name. I noticed fraudulent accounts and inquiries that I did not authorize on my credit report and it is preventing me from receiving credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX. 

I am writing yet again in reference to the ongoing dispute with Equifax over the fraudulent XXXX XXXX account that is still on my report and should not be. I called Equifax today and spoke with three different representatives. XXXX, XXXX and XXXX who all denied me my rights as a consumer to have this fraudulent account removed. I have made several attempts to remind you of your duty 15. U.S Code 1681i ( A ) ( 1.A ). Youre intentionally and willfully being neglectful in fixing this issue. 15 USC 1581 e ( b ) assures that I am due promised accuracy in my report based on federal law. I am requesting this fraudulent information removed. This is unlawful and a direct violation of my rights. Please remove this account. Thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting. Everything has to be 100 % accurate on my credit report. 

The credit bureaus stated that my account was properly investigated but how is it possible that my personal information, including my address, information on multiple accounts, multiple hard credit enquiries, the dates and status last reported are not accurate with the accounts over the period of years since I can remember in 2016.

This ground for removal they also violated my privacy rights under : 15U.S.C 1681 Section 602 A : states I have the rights to Privacy 15U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Also the credit bureaus took more than 30days to complete my investigation.
Product: Debt collection

First off, this is a {$250.00} bill, debt from XXXX, which i 've lost work & could not pay for EVEN that. This collection agency has called " Almost '' every morning right at XXXX, waking my XXXX & XXXX old grandparents. 

Furthermore, i 've spoken with their agents explaining i lost my job ; should be back working w/in 2-3 months, and for them to call back - or i rather prefer to call you back, i will be able to pay on debt then. 

Collection agency is based in Florida, but caller id says " XXXX XXXX, MI, '' this Collection agency is CIRCULATING a New phone # every call now, which seems purposeful harassment, to purposely change their caller ID # or buys multiple 'spoof ' phone lines to, well you can figure it out. 

I 'd made it clear, and was very cordial, straight forward, and doing best to resolve this issue ; at least 4 times I 've explained to them. 

The lady also stated to me " does n't your grandpa or mother have the money for a payment? '' which they HONESTLY do not, barely making ends meet ; not to mention i thought was pretty TERRIBLE of her to suggest!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 Montgomery Ward told me they WILL NOT remove my mother 's account from my credit report even after they identified in their letter that the account is not mine. How is this fair?? THEY REFUSED TO VALIDATE THE ACCOUNT AND CONDUCT A PROPER INVESTIGATION. THEY REFUSED TO SEND ME DOCUMENTS SUCH AS APPLICATION, CONTRACTS AND BILLS. IF THEY WOULD HAVE WENT THROUGHT THE VALIDATION OF THE ACCOUNT LIKE THE LAW TOLD THEM TO I WOULDN'T HAVE WASTED AN ENTIRE YEAR FIGHTING TO GET THEM TO REMOVE THE ACCOUNTS THAT BELONG TO MY MOM FROM MY CREDIT REPORT. THey can't base that an account is my responsibility when it clearly has someone else name and birthday because it was shipped to the same address. CLEARLY IN MY STATEMENT I SHOWED MY MOTHER HAS A SIMILAR NAME AND MONTGOMERY WARD ALSO SHOWED OUR NAME IS DIFFERENT ON THE ACCOUNT. This is really against the fair credit reporting act. How can they get away with putting an account that belongs to my mom on my credit report? What proof is there that I am responsible for my mother 's bills??? My name is XXXX, My mom is XXXX and they know this. We don't have the same birthday or the same social security number so why is it so hard for this to be corrected??? I sent my ID, Social Security Card and utility bill. Montgomery Ward CLEARLY SEE the difference with our name birthday and social security number!!!! XXXX also SEE the difference. I want this account deleted from my credit report as I have proven more than 10 times that it is not mine and it belongs to my mother. I did not cosign, and I am not listed on the credit application or any contracts!!!! 
These accounts do NOT BELONG TO ME and my driver 's license is attached again to show my birthday and name!!!!! 
SEVENTH AVENUE XXXX MONTGOMERY WARD XXXX XXXX XXXX
Product: Credit reporting 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.

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 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: Mortgage

After having my mortgage at SPS XXXX for 5 Years this company has adopted a new accounting system for Escrow Impound Accounts. Last Year I received my annual accounting statement saying that My Homeowners Insurance went up ( I can not remember how much but it was just a couple hundred dollars or so ). I went ahead and paid that shortage in full to keep my monthly payment from going up. Attached you will find the letter from SPS stating they received the payment and that the account was balanced. This year ( see attached ) they are telling me I am Short {$1700.00}? In reviewing their accounting it is clear my property taxes and insurance went up a combined amount of {$290.00} of which I will pay no question BUT {$1700.00}? When I called to ask why suddenly it's so much after not having any issue for years they told me to see the accounting which I do not agree with. I am off {$290.00} Not {$1700.00} This company needs to be investigated and Fined Millions of dollars. I believe SPS has miss handled my escrow impound funds and now wants me to replenish the account. To have my escrow account balance and in order last year and now short {$1700.00}? NO WAY. This company is Ripping People Off. Please help me.
Product: Student loan

My old company XXXX XXXX had all of my correct information my married name, current address, correct email and phone number my loans were to be transferred the end of XXXX to a new loan servicer NelNet. However once it was transferred all of my information was transferred incorrectly. NelNet had my maiden name, and the remaining information ( address, email and phone number ) was all of my parents information. I ended up needing to call to get my last name corrected and needing to send in more information for them to update my last name though it was correct on my old loan servicer. I also needed to update my address, email and phone number which was also done during the same call.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Items Under 15 U.S. Code 1681c-2 Items that need to be removed immediately : Account- capital XXXX XX/XX/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 XXXXXX/XX/XXXX Dear Sir/Madam, I am writing to dispute certain information on my credit report, which I have identified as resulting from identity theft. Under 15 U.S. Code 1681c-2, consumer reporting agencies are required to block the reporting of information that a consumer identifies as resulting from identity theft within XXXX ( XXXX ) business days of receiving such a request. 

It has been more than 30 days since I provided notice, and the reporting of this information is now in violation of federal law. As I am a victim of identity theft, I demand the immediate removal of these items. 

Furthermore, under 15 U.S. Code 1681b, consumer reporting agencies may only furnish a credit report under the following circumstances : XXXX. With the written instruction of the consumer to whom it relates. 

I never gave any written consent for the reporting of this information, which violates my rights as a federally protected consumer. No consent equals identity theft. 

As a consumer, I am demanding the deletion of the accounts listed immediately. 

Thank you for your prompt attention to this matter. Please confirm the removal of these items in writing.
Product: Money transfer, virtual currency, or money service

My social security money did not get deposited into my checking account for XX/XX/2023. I went to the local social security office where they told me a fraud was hit on my account. My money was sent to a PNC bank in Pennsylvania with an account number that does not belong to me. I took this information to my local PNC bank here in XXXX, AZ. The manager there told me the account number the social security agent gave me is not a valid number. 
I filed a fraud report with social security and at PNC bank 's retail support department in North Carolina. The PNC case worker said she could not verify the money was ever sent from social security and I should tell social security to cut me a check. The agent at social security told me they sent the money was to the PNC account and account belongs to me. When I told this to the case worker said " The money is lost. I've gone as far as I can go. You're never going to see your money! Case Closed! ''