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

Complaint Against : Citibank N.A. 

Citibank N.A Savings Acct # XXXX Regarding Citibank Legal Fee Charges : {$120.00} On XX/XX/2023 ( incident took place on XXXX XXXX ), I became aware that there had been two debts from my savings account. One in the amount of {$1400.00} and {$120.00}. 
I inquired into the reason for the two debts was due to a Earnings Withholding Order for Taxes from State of California XXXX XXXX XXXX ( FTB ) - issued on XXXX XXXX. 

Noting : Citibank had received the XXXX notice on XX/XX/2023 - and took action on XX/XX/2023 ; more than 90 days pasted.. Note : There was no legal authority in place for Citibank to take action - XXXX resending withholding order XXXX months prior to the date of XX/XX/2023. After contacting XXXX - XXXX contacted Citibank and on XX/XX/2023 the {$1400.00} was credited back my savings account - but ; not the {$120.00}. 

Citibank was negligent in not verifying with XXXX after more than 90 days pasted ( according to XXXX ) to verify legal authority. 

I have been unable to address the issue with Citibank- thus, reason for soliciting third party mediation to resolve refunding back of {$120.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I made an uninformed decision on XX/XX/2015 when I entered into the consumer credit transaction with XXXX XXXX XXXX. 

I have been reviewing laws and my rights and I have read that according to 15 USC 1602 ( g ) ( 2 ), There was no evidence of indebtedness, there was only the agreement provided. It is my understanding that because I was unable to make an uninformed decision, the agreement is null and void. 

According to 15 USC 1602 ( k ), I did not receive a printed notice which clearly and conspicuously made it available to understand the meaning of the agreement.

Due to all these clear violations, I am demanding that these accounts are removed, and I am requesting monetary relief for each violation. If no resolution will come from this and I receive an automated response from either company, I will have no choice but to contact my local small claims court. 

Account in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of unauthorized and fraudulent inquiries from my credit report. Despite multiple letters stating that these inquiries are not mine, they are still being reported on my credit report. I have also submitted a report to the Federal Trade Commission ( FTC ) regarding these fraudulent inquiries and have enclosed a copy for your reference. 
These inquiries are damaging my credit standing and have the potential to cause significant harm to my financial reputation. It is imperative that these inquiries be removed immediately to prevent further damage. 

I kindly request that you conduct a thorough investigation into these fraudulent inquiries and take the necessary steps to remove them from my credit report. I also request that you provide written confirmation once these inquiries have been removed. 
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: Debt collection

I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies, causing me discomfort
Product: Debt collection

I have received numerous phone calls to my cell phone ( XXXX ) from XXXX ; sometimes, 2-3 calls back to back in one day. The number will ask you to press XXXX to speak with someone ; however, no one is ever available to take the call. 
Today ; I was called, yet again and this time XXXX XXXX answered after selectingXXXX, I advised I had no knowledge of the bill stated owed XXXX, he advised I needed to look it up on the internet to find out. I asked him to no longer contact me. He stated he would contact me at a later date. The repetitive phone calls to my cell phone are harassing, and should be covered under the TCPA. Since Northeast Collection XXXX is n't able to provide any details to the bill, yet continue to harass me, I request a cease and desist before I move forward with legal action. 
A written request has also been sent XXXX XXXX XXXX XXXX NY XXXXEvery call received ( answered and missed ) is documented and printed, including the voice mail messages left.
Product: Credit reporting or other personal consumer reports

I recently submitted my complaint about fraudulent inquiries on my XXXX credit report and noticed a few new more fraudulent inquiries these are, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX And a fraudulent collection account XXXX XXXX XXXX Witch I currently do not have a signed contract with or obligations to pay any collection I have updated my identity theft report with these items to view
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$260.00} Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX AV XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Soon after finishing college, I started paying on my student loans. My payment was much, but it was what I could afford. Years later, I find out that payment was only being applied to a small portion of my student loans since some are commercial and some are federal. I had no idea my loans had been split up. Last year, I discovered the issue and enrolled in the Loan Rehabilitation program. I was told many misleading things. First was that the fees and interest I occurred would be forgiven at the end of the program. Second, I was told I would be called at the end of the program to re-evaluate my payments as they were transferred out of the program. That did n't happen. I received no notification and we n't into default. Also, no penalties or fees were waived for completing the program. The entire student loan process has been filled with out-right deception.
Product: Bank account or service

I was victim of fraud due to some fraud activity which has happened through ( XXXX ) online, due to the mistake of Bank ( Bank of America ) my report has been generated in XXXX and my checking account has been closed. 

I am explaining the background of the issue along with all supporting documents and let me if you require additional details. 

Back ground of Issue : On XXXX/XXXX/2016, I have received a letter along with check of {$1700.00} from XXXX to do some customer survey on XXXX XXXX and XXXX XXXX money transfer services. 
On the same day I deposited the same check into my Checking account from Bank of America ( Account # : XXXX XXXX ) and it will clearly showing that check has been deposited on XX/XX/XXXX. The next day bank has put this particular check on hold and its clearly mentioned it will get approved on XXXX/XXXX/2016 i.e. 10 days. 

On XX/XX/XXXX bank has approved this transaction and funds were available {$1700.00} in my account, so on the same day I withdrew money of {$1500.00} and did the customer survey as they have mentioned in the letter. 

I also attached the copies of receipts for the money transfer I have done through XXXX and XXXX XXXX on XX/XX/XXXX. 

After 45 days I received a letter from Bank of America, stating that this particular check which has mentioned above was not paid and returned back and asking me to pay the money of {$1700.00}. Then i visited the local Bank of America branch with the letter and explained my situation and they accepted their mistake since they have approved check after 10 days of hold, however they told they cant do anything except charging the money to customer. 

After 2 months they submitted the report to all agencies like XXXX and XXXX which results to closing my checking account and denying to opening new account with any other banks. 

Last month I requested report from XXXX and XXXX, now i am requesting with all the above explanation to remove my report and allow me to open a bank account. 
It is totally because of banks fault, they have made funds available after the 10 days hold on this particular check, so I thought it was a valid and check and withdrew money. If the bank was n't approve the money after 10 days of check verification, I would n't have transferred money to other parties. Other than that I did n't do any fraud or cheat in any aspects. 
Finally what I wanted to convey you is I am not a fraud and did n't commit any fraud activities, I was a victim of fraud that too due to banks mistake and some strange persons cheating. 
Please consider this, and remove report from XXXX and XXXX as i was suffering from fraud activity and being without bank account more than one and half month ( my salary also in pending since i dont have bank account ) that too i did n't do anything intentionally to cheat bank or any other financial institute. 
All the supporting documents will be provided, if required. 
Appreciate your support in this regard Thanks in Advance, XXXX XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

Please see attached documentation regarding American Express account ending in XXXX which was deemed null and void, discharged, fully satisfied and which I was exonerated from. 

Despite this debt being nullified American Express continues attempts to collect a debt they have confirmed they have no authority to collect, nor are they able to verify.
Product: Debt collection

I applied to rent an apartment. I told them I'd come in and sign the lease in a couple days. I decided not to. They signed my name on the lease and sent it to a collection agency. ProCollect. They sent me an email with the application and lease they are clearly different signatures.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report. 
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 card or prepaid card

1-I closed my account with Discover Credit Card. They confirmed this closure by email ( attached ) on XX/XX/XXXX. 
2-They send me an email stating that I paid off my {$2000.00} ( the whole credit ) -attached- 3- They charged me -after closure- an amount of {$160.00} after closure. -a statement is attached- I want my {$160.00} back and final closure of my account with this company. 
Thank you XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are FRAUDULENT items and UNAUTHORIZED/FRAUDULENT inquiries on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.
Product: Money transfer, virtual currency, or money service

Money was removed ( XXXX ) on XX/XX/XXXX, from my bank account and sent to a merchant I no longer was doing business with and I discontinued recurring charges to my account from ALL the merchants I did business with through PayPal. The transaction was done through PayPal who refuses to take responsibility and blames the error on the merchant claiming it was basically business as usual. I filed a complaint on PayPal 's website and only got a lame bot response that nothing was wrong with the transaction ( despite the fact I talked to numerous customer service agents and indicated I did NOT authorize the transaction ). I submitted screenshot of the transaction as well as emailed correspondence to the merchant openly admitting that we no longer have a business relationship and despite that evidence, PayPal 's bot decided against me not to refund my money. One customer service rep admitted that merchants routinely take advantage of the loophole that allows them to reinstate recurring payments, without the customers knowledge, basically using PayPal to ROB consumers and leaves the entire process of getting the matter resolved up to the victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

privacy and confidentiality under 15 USC 1681. 

Account name : # ending in XXXX ( XXXX XXXX ), Account name : # ending in XXXX ( XXXX ), Account name : # ending in 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: Debt collection

I RECIEVED A LETTER FROM FRANKLIN COLLECTION SERVICE INC AT MY FLORIDA RESIDENCE STATING I OWE XXXX AND THEN TOTAL DUE ALL CREDITORS XXXX THE PARTY THEY ARE COLLECTING FOR ON THEIR PAPER XXXX  THE FIRST LETTERS SHOW FALSELY LIKE THEY ARE A CHECK.SINCE I DO ALL MY XXXX AT XXXX I CONSIDERED THE LETTER FRAUDULENT AND THREW IT AWAY AFTER CALLING AND BEING DENIED THE NAME AND WEBSITE OF THE GOVERNMENT ENTITY RESPONSIBLE FOR COMPLAINTS AGAINST THEIR BUSINESS AND ITS PRACTICES. I ALSO RECIEVED A THREATENING PHONE CALL ABOUT CRIMINAL CHARGES REGARDING MY DEBT THAT WAS LATER ERASED OFF OUR ANSWERING MACHINE. WHEN I TRIED TO CONFERENCE MY INSURANCE COMPANY TO THE COLLECTION AGENCY THE NUMBER SUDDENLY DID NOT WORK AND IT HAD ONLY MINUTES BEFORE. THE INSURANCE COMPANY COULD NOT LOCATE A BILL XXXX IN MY CLAIMS. I TYPED THE COLLECTION COMPANY A LETTER REQUESTING DETAILS ABOUT THIS DEBT AND TO WHOM IT WAS OWED LIKE DATES CONTACT INFORMATION FOR THIS BUSINESS I OWE WHAT SERVICES WERE RENDERED AND HOW IT WAS SUBMITTED TO MY INSURANCE AND CLAIM STATUS AND DETAILS. I STILL HAVE NOT RECIEVED A RESPONSE AND ITS BEEN MONTHS AND THE RUDE MAN WHO REFUSED TO LOG A COMPLAINT OR ALLOW AN EXECUTIVE COMPLAINT OR TO ELEVATE MY CALL OR PROVIDE GOVERNMENT COMPLAINT INFORMATION SAYS THEY HAVE NO RECORD OF RECIEVING CORRESPONDENCE FROM MYSELF OF ANY KIND. I FEEL THEY CAUSED THE TELEPHONE LINE ON THIS EARLIER STATEMENT TO BECOME DISCONNECTED AFTER I STATED THEY HAVE A LEGAL OBLIGATION TO DISCLOSE WHERE I CAN FILE A COMPLAINT AND THAT REFUSING IS CRIMINAL THE MAN MUMBLED AND I SAID I DIDNT HEAR HIM AND HE REFUSED TO GIVE ME THE WEBSITE AND THE CALL ENDED. I COULD NOT REACH THEM TO CALL BACK BECAUSE THE PHONE LINE WAS NO LONGER IN SERVICE FOR MYSELF OR FOR MY INSURANCE COMPANY TO CONTACT THEM. THEY ALSO SAID THAT IF I PAID ELECTRONICALLY OVER THE PHONE OR THE INTERNET THIS DEBT WOULD NOT EVER SHOW ON MY CREDIT REPORT AND THAT IF I PAID THROUGH THE MAIL THEY WOULD NOT REMOVE IT FROM MY CREDIT REPORT BUT ONLY DISCLOSE TO THE CREDIT AGENCIES THAT IT HAD BEEN PAID AND THAT IT WOULD REMAIN ON MY CREDIT FOR SEVEN YEARS THEREAFTER. THE DEBT COLLECTOR MADE THREATENING CALLS AND PRESSURED PAYMENT BY OTHER MEANS THAN BY MAIL STATING PAYING BY MAIL WOULD DAMAGE MY CREDIT AND THE COLLECTION SUPERVISOR PURPOSELY DID NOT GIVE OUT THE WEB ADDRESS OR INFORMATION I NEEDED OR TELL ME WHERE I COULD FIND IT HE PURPOSEFULLY MUMBLED TO OBSCURE WHAT HE WAS SAYING TO ME. I AM VERY UNHAPPY ABOUT MY EXPERIENCE AND STILL DON'T KNOW WHO I OWE WHY I OWE THIS AMOUNT OR WHERE THIS HAPPENED AND IF A HOSPITAL OR FACILITY AND IF THEY FILED A CLAIM WITH MY INSURANCE BECAUSE XXXX DOES NOT SHOW IN MY INSURANCE CLAIMS
Product: Credit reporting or other personal consumer reports

I am filing this complaint about fraudulent accounts and inquiries on my credit report, caused by identity theft from a data breach. Despite repeated attempts to resolve this with the company, my concerns are being ignored.

This is putting my mortgage application at risk, as negative entries are quickly filling up my report. I urgently request that these fraudulent accounts and inquiries be blocked or removed within 3-5 days to prevent further damage.

I appreciate your prompt attention to this matter and hope for a swift resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation.. They have provided information while knowing or having reasonable cause to believe that the information was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint
Product: Credit reporting or other personal consumer reports

Open The Pdf files to look at the documents that has been submitted on my credit report listed as my accounts and inquires. Those accounts are not mines and does not belong to me. I am a victim of identity theft and would like for my case to be evaluated.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I am writing to express my deep concern and frustration regarding the violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am absolutely appalled to discover that my privacy has been blatantly disregarded and my personal information has been mishandled without my consent. 
In accordance with the FCRA, I have discovered that 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 
2. XXXX And XXXX - AccountXXXX 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 
3. XXXX - Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Have all violated my rights as a consumer. This is a serious matter that should not be taken lightly. My fundamental right to privacy has been breached, and my sensitive information has been exposed without my permission. This is a clear violation of 15 U.S.C. 1681 section 602 A, which explicitly states that I have a right to privacy.

Moreover, 15 U.S.C. 1681 section 604A section 2 clearly outlines that a consumer reporting agency can not furnish accounts without the written permission of the consumer. This means that these accounts should not have been reported without my explicit consent, and the fact that they were is a clear violation of the FCRA.

In addition, the same accounts are being reported by different companies with balances, which is another violation that is extremely damaging to say the least.

A Companies Policies and practices DO NOT override Federal Laws.

I urge you to take this matter seriously and take immediate action to rectify the situation. My rights as a consumer should not be disregarded, and I expect to be treated with the respect and dignity that I deserve. This violation of my rights is unacceptable, and I expect a prompt and satisfactory resolution to this issue.
Product: Credit reporting or other personal consumer reports

On last month I made a payment of XXXX to United Auto Credit to renegotiate my contract and make my account active again, but they have failed to update the terms and credit information
Product: Credit reporting or other personal consumer reports

I recently reviewed the copy of my credit reports and I noticed some inaccurate personal information that are not mine.

I have listed the inaccurate in XXXX  and sent it to the Bureaus. Please see the attached file on this complaint
Product: Student loan

On XX/XX/2022 I sent Department of EducationXXXX a certified letter disputing XXXX ( XXXX ) loan accounts. 
Amount # XXXX {$5500.00} Amount # XXXX Department Of Education has " No Permissible Purpose ''. Also they have infringed upon my right to privacy as a consumer, which are both federal violations.
Product: Credit card or prepaid card

Good day, I have a problem with Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX, which sponsors the store credit card for XXXX. I used this care for a year or so and things went fairly well until they started charging me exorbitant fees for late payment ( 1 day late! ) and other made up infringements. I called several times to complain and was treated very unsympathetically. I therefore resolved to pay off all balances and just keep the card, since I had been told that if I closed the account, it would adversely affect my credit. That was more than 3 years ago. 

Now the bank has sent me a letter which appears threatening to me. It reads in part : " You may not realize it, but your XXXX Credit Card account hasnt been used in 39 months Thats why were planning to close your account on XX/XX/2020. This means you wont be able to make any more purchases with this card and well let the credit bureaus know your account is closed. '' I am fine with the first part. It is the second part that makes me feel threatened. I do not need my credit score to be adversely affected right now. How can I have this credit card which I no longer have a desire to use, closed, without my credit score being lowered by the action? 

Thanks for you help and advice.
Product: Credit reporting, credit repair services, or other personal consumer reports

IM A VICTIM OF ID THEFT, THERE ARE SEVERAL ITEMS ON MY REPORTS THAT IS NOT MINE OR I HAVE ANY KNOWLEDGE OF, I HAVE MY POLICE REPORT SENT IN ALONG WITH MY COMPLIANT FILE, PLEASE REMOVE IT ASAP ... ITS AFFECTING MY CREDIT. I CAN BE REACH AT XXXX ( CELL ) I CAN BE REACH AT ANYTIME ..POLICE REPORT NUMBER # XXXX XXXX ALSO SENT HARD CARD OF POLICE REPORT TO CREDIT COMPANY