23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XX/XX/2024, I made a payment for the full balance of {$140.00} ( check # XXXX, dated XX/XX/2024 ) to Citi Bank to cover the charges on my Citi Credit Card. Despite receiving my full payment for XX/XX/2024, Citi Bank decided to charge an additional {$16.00} to a checking account that I did not authorize for auto-pay and for which they did not provide me any information. 

Since the account used for the auto-pay was unauthorized by me and unknown, the charges were declined. As a result, Citi Bank charged my credit card {$30.00} for a return fee. When I called Citi Bank to explain the situation, they did not have any answers. I asked them to show me my authorization for the auto-pay, but they did not have any document. I also asked them to provide the bank account information used, but they had nothing. 

Despite all this, Citi Bank insisted that I pay the {$30.00} return check fee. Fearing the potential impact on my credit report, I paid the fee and subsequently closed my account. 

I am requesting a refund of the {$30.00} return fee that Citi Bank unfairly and illegally charged me. I paid the fee out of fear of receiving a negative impact on my credit profile, which I believe was unjustified given the circumstances. 

Thank you for your attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX I understand this violates 15 USC 1681b ( a ) ( 2 ). Both together and separately, my consumer and privacy rights are being violated. Per Federal Law, NO ACCOUNT can be reported to your consumer credit file ( s ) WITHOUT MY WRTTEN INSTRUCTIONS 15 US Code 1681 Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : CONGRESS has stated TRANSACTIONS are NOT ALLOWED to be reported in a Consumer report. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX AUTOS XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We have had this dispute with XXXX for over a year. We assumed this issue was taken care of because we didn't hear from them anymore. We had an issue with XXXX saying we owed them {$6200.00}. We told them that XXXX which our balance transfer went through had a positive balance of the {$6200.00}. It was a long drawn out process but XXXX finally released that money back to XXXX in XXXX. Now you would think this story is over since XXXX now has that negative balance paid off. It's not. I thought my credit score would have gone back up after paying off that balance. I use XXXX XXXX and there was nothing on there that had XXXX on there anymore. It was like it never existed. Which is what we wanted, but my score remained the same. When I contacted Transunion they told me I have a {$6200.00} balance with XXXX. I said, no, that was paid off in XXXX. They said, no sir, it is on there. XXXX XXXX doesn't show it you need to go directly to us to see it. Now I call XXXX to see what happened now. It's been over a year of phone calls. Well evidently they put me on a, " do not communicate status. '' I am not sure what they even means but the girl on customer service said, we are not to talk to you about this account. I didn't even know what was a thing. So now I am sitting her with this hurting my credit score. I have a company that put me on a do not communicate with this customer. That means they haven't sent an e-mail, a letter, or anything telling me that my account still has a balance. They closed this account. I want this taken off my credit report. I am trying to not have to take legal action again to get this resolved. If that is what they want to do, then they have to let me know. I know one thing, they will not be getting any payments from me.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 168 1e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer. an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the reinvestigation : and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately ; The XXXX XXXX Account
Product: Credit card

I am so displeased with this company care creditXXXX. Learned that care credit is not for everybody. Care credit has deceptive credit card marketing and sales. I have an active care credit account with this company. When signing up for the care credit, health care representative signing my mother and I up never explained about how care credit works nor told us about the reoccurring monthly interest that would be happening after promotional period had ended. My mother and I was not informed that care credit is in fact a credit card and never received our enrollment paperwork from this company when first signed up. The representatives told us this was the only option to pay for our expenses at the emergency XXXX hospital. Pressuring vulnerable, naive and helpless individuals at the time of need to sign up with care credit because it 's there only option is not right. The health care receptionist only relied on the pamphlets and did n't seem trained upon care credit procedures and policies. I have contacted Care credit on numerous occasions about this to only get no real help at all from customer service and management. 

Care credits late fee policy is flawed in many ways as well. Even when you send in a post dated payment with this company they will not go by post date, but whenever they choose to look at the mail will be the date posted to the account. This can be very misleading for clients when sending in payments because its not our fault that mail carrier methods can be delayed at times. I had to contact the company XXXX about this matter to only resolve the issue by the manager about the late fees occurred during those times that it was mailed before due date and was posted after due date to only receive a late fee without knowing. The managers waived those late fees that occurred and I have never been late since then. 

I have even did research on the credit card company Care CreditXXXX and I have found that my situation is happening all over and has happened to many in the past. Why do care credit keep doing this to there customers. I have also become a victim of care credit deceptive ways and poor trained staff upon enrollment process at the time. If I was to have known that this companies ethics was like this I would of avoided it at all cost. The way I have been bamboozled to borrow money from this company is not right. It 's a shame that I feel stuck with a company like this that has many deceptive ways. Why does most car loan companies only charge you a XXXX time interest fee upon your borrowed amount, but care credit choices to charge you over 25 % interest every reoccurring month ridiculous scheme.
Product: Debt collection

i received a call stating that i received a file complaint of a credit that I supposedly owed for a XXXX XXXX chain for the amount of {$3200.00} in 2023 the first call I received was from a supposedly XXXX from my County saying that she tried to reach me a couple times About The Complaint One From This company call ACIMA that its a financial credit institution and the Other Complaint From The XXXX  XXXX XXXX and jewelry located in XXXX XXXX Florida a credit that Ive never asked for and a store that I havent been at this lady also contacted family members saying that there were gon na send legal officers to get to me or they were gon na go and search for me and my employment placeafter this First Lady told me all this information I went ahead and caught the credit institution to ask for more information and they did confirm the same information the First lady told me that I owed a credit for {$3200.00} from this place in XXXX XXXX I continue to tell them that of course it wasnt me so they told me that were going to transfer me to the upper level where they do this Problems but they just hanged up and never contact me so I was doubting if this was a scam or no I didnt try to contact the store where this credit was given but no answers at the moment but then after four hours they contact me and they told me that they didnt have any information about this so I dont know what to think if this is a scam or I did had identity theft. ACIMA phone number is : XXXX the first call from the lady who never identified herself was XXXX
Product: Credit reporting

Equifax Information service response with the normal scripted answers, as if the consumer did n't attempt to resolve the issue with them first, my statement is Equifax Information Services does n't actually investigate disputes to wit : There are XXXX accounts on my credit report, that do n't bear my name, the name that is upon my social security card, my social security XXXX check, and my credit report, yet they continue to state that they are verifying the information as belonging to me, which is false, based upon the continual pattern of not investigating the complaint. Specifically in 2005, based upon a duplicate issued social security number issue, and usages of name identification of XXXX or more individuals bearing the same name, my name was changed on my social security records completely to what it is now, and yet entries continue to appear on my credit report which are n't mine, and the credit reporting agency continues to state that they are verified, but they ca n't be verified if they do n't bear my name as the first criteria for verification. Equfax has only one agenda enrichment of self regardless of fact, and regardless of truthfulness of those facts. XXXX, XXXX XXXX XXXX XXXX, having Equifax previously respond indicating it did n't report, then reporting such without notification of change, and now stating that its verified, when the verification standard only includes their statement, but not factual, since it does n't bear my name. XXXX, a collection for XXXX XXXX, which i did n't open, that once again does n't bear my name or the creditor has not contract or proof that i ever applied for such service, yet reporting as verified. In the effort to prevent unauthorized usage of my information my social security number and name identification was changed, and yet equifax has continue to allow the pulling by inquiry of my personal information, without my social security number, basically the offender is making up a social security number, and providing my address which gives them my information. I herein request that all inquiries, excuses, and lies from equifax cease, and that the accounts that do n't bear the name identified with the social security number be removed. Equifax is n't secure, and their system is easily overridden by changing social security numbers to get the correct social security number, and personal information.
Product: Checking or savings account

Received a letter dated XXXX XXXX. Decision to restrict and close account. 
I have had this Bank of America business account for over 10 yrs. And now a decision is made to close based on the business type. Company is an XXXX XXXX and XXXX XXXX company. 
Have never had any banking issues prior. 
Phone number provided to bank closing department where agent read a script but provided no insight or details as to the reason for decision to close. Any further calls to other phone numbers provide direction to call the closing department. Its as weve been targeted with no cause.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding Experian credit reporting agency only. 

A new collections report submitted by a collections agency posted to my account in past week. The account is reported as a credit account but is not a credit account. The collections account is a utility XXXX XXXX. XXXX does not report accounts to credit reporting agencies but reports unpaid accounts as collections that violate Fair Credit Reporting laws regarding utilities.

I disputed the utility reported to my Experian account however Experian 's lax dispute process did not address the fact the account is not a credit account but a utility account. Within 24 hours of disputing a utility account on my Experian account the account was held to be valid although utility to companies do not report accounts. Also, Experian does not make CFPB complaint results available to consumers and instead refers consumers to it's Dispute Resolution Center which refuses to provide requested information.
Product: Money transfer, virtual currency, or money service

To whom it may concern, am writhing in regards to a faulty transaction that occurred on XX/XX/year> while was in the hospital receiving XXXX. Had no way of submitting a XXXX  order nor did authorize any type of food delivery service. Had done my due deligence in reaching out to the cash app company as well as XXXX  to follow up on this transaction from the {$96.00} deduction on my account. Those small but very imperative increments were needed for transportation as well as other medical needs of my own while being XXXX  as well getting rides home and and accommodating myself when arrived home. Had called XXXX immediately and they ran the transaction numbers and invoice numbers and were unable to research any transaction of any sort to be related to my complaint. Which raised my concern even more because my funds were deducted and never had order any food thru the food service app on the day of. Am very afraid whomever is capable of taking more funds from account again. Also had reached to cash app with the same discrepancy and content in regards to my complaint. Was not able to speak to a live person only was able to speak to someone thru chat and they mentioned they would contact me eventually even though my funds depleted and never order and food as well never gave any authorization to anyone to use my funds thru cash app. Have hospital proof as well as invoice numbers to indicate where had been at the time of as well as showing the deduction from my cash app account. If someone could please help with this situation as soon as possible at their earliest convenience would greatly appreciate it. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a checking account with XXXX XXXX  in XXXX. In XXXX I made a transaction that XXXX XXXX  paid which caused my account to become overdrawn. At the time, I was a struggling college student, and since this incident I have become extremely aware of how important it is to manage the balances of my accounts responsibly. XXXX XXXX  decided to close my account before I was able to deposit the funds which would have covered the transaction. Years later, I am preparing to purchase my first home, and I find something on my credit report from XXXX XXXX  from XXXX. I have shredded all paperwork associated with XXXX XXXX  since they left me 'high and dry ' with no place to hold my student loan funds etc. and am now very happy with XXXX XXXX. I have no record or memory of opening a " line of credit '' with them at any point during this period or during my lifetime. I wrote to XXXX XXXX   several times and they only replied with " nothing we can do. '' I finally spoke to XXXX over there, and she let me know that in fact, I would not have any documentation for this account because I never opened this account and that they simply did this to skirt the XXXX XXXX process ( and essentially give me a harsher and longer punishment ). XXXX is going to try and help me by talking to her boss ( she was very helpful and understanding ), although when I explained how unethical this sounds all she said was, " I know, I have no words ... '' This behavior should not be tolerated by banks - I feel like this could be considered identity theft since XXXX XXXX opened the " line of credit '' account without my knowledge AND without providing any information about it to me even after they did. I have spent HOURS trying to get a straight answer from representatives over there because not only is the account closed, and extremely old, but also ILLEGITIMATE. I'm not sure if XXXX will be able to help me by removing the adverse account status from my credit report as she is also the one who sent me the " sorry not sorry '' letters, but either way I feel like this behavior should be something that is brought to the attention of the CFPB and I really hope that it is investigated further. I know that the CFPB would like supporting documents but unfortunately I do not have any - and I doubt XXXX XXXX  does either since this account shouldn't exist - and it was 8 years ago I've shredded anything associated with it since I confirmed since then that were no adverse accounts on XXXX XXXX ( I didn't know to check credit bureaus since I didn't know I had this 'line of credit ' ).
Product: Credit reporting or other personal consumer reports

These Account were Investigated by XXXX and XXXX XXXX and both came back with the same result and Removed the fraudulent accounts. However Equifax whom I DO NOT think did an Investigation saying they verified this blatant fraud. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Letters of Removal from XXXX are attachedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Note : The Things That are being Disputed Have been Investigated By Both XXXX and XXXX XXXX XXXX Why do 2 separate investigations come back the same and a 3rd be different is Equifax getting paid to XXXX over the consumer?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : {$9700.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit card or prepaid card

I took out a dispute in the month of XX/XX/2021 XXXX Do to my card being lost i called and canceled my card and reported it stolen. & about 2 weeks later i recieved a letter in the mail to fill out for the transactions i disputed and was given a provisional credit for the amount of {$580.00}. On XX/XX/2021 i called my debit card to check my balance. just to find out that the {$580.00} that was credited to me was reversed without any notice. Nor did i get anything in the mail and when i question the customer service rep .. i was told that the payment was due to reverse on XX/XX/2021 and the letter of this transaction was sent on the same day.. & i still have not gotten this letter i asked to work out a payment plan and i was told that the DIRECT EXPRESS COMERICA BANK XXXX doesnt do payment plans and that it was nothing more to be done .. ive been calling my bank sine XX/XX/2021 and all ive gotten was throw from one department to another as well as being on hold for over # plus hours ( i also have a screenshot of this ) >> My rent is now past to because it due on the 3rd of every month & because i never got any help with Direct express after calling for days as well as calling XXXX ( XXXX ) XXXX & almost every worker gave me a very poor attitude as well as mis information I DID NOT APPROVE OF ANY TRANSACTION for {$580.00} to be taken out my account.. Ive been getting SSI for over 10 years and ive never had this issue Also i am really disappointed at how DIRECT EXPRESS treated me with a very nasty and inpatient attitude .. i was hung up on many times and ive been vey respectful and calm with this situation .. I was hoping i could clear things up with my bank because ive been with direct express for bout 5years .. But i didnt get anything but let down and my money taken I WAS TOLD THAT, I got myself into this and i should contact the merchants, SO i also asked what was the final choice on this dispute matter and i was told by costumer service that, My dispute case was closed ( i was never notified of this ) Because they wasnt able to determine if it was fraud or not ... so basically my money was taking because they dont know how to handle my dispute I was treated and talked to very poorly and left confused with no answer to how or why this was handled in this manner .. Nor was anyone of the reps considerate enough to help me in any type of way even after i explained that i have to pay my rent which is $ 550 monthly and my tmobile phone bill is {$100.00} as well as other bills i cant afford this to happen .. i just started collage last week i cant afford to be behind on rent Please may someone contact me ASAP the longer i wait the higher the late fees guys please help me!!! my number is XXXX or XXXX _ - XXXX XXXX XX/XX/2021 XXXX