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

To : Citibank Subject : Formal Complaint Regarding Unreturned Funds Dear Citibank I am writing to formally file a complaint regarding the unresolved issue of unreturned funds from my closed Citibusiness account ( # ). As of XX/XX/XXXX, more than XXXX days have passed since the closure of my account on XX/XX/XXXX, without resolution. 
1. Background : On XX/XX/XXXX, I received an official statement from Citibank indicating that my Citibusiness account had been closed. The statement confirmed that my account balance was {$58000.00}. It was stated that I would receive this amount via check within XXXX days. 
Additionally, an amount of {$75000.00} was transferred from my XXXX account back to Citibank following a recall of the wire initiated by Citibank. This transfer further increased the balance owed to me. 
2. Attempts to Resolve : Despite the promised timeline of 60 days, I have yet to receive any of the funds owed to me. 
I have visited your branch twice, where the manager contacted the relevant department via email. However, no response or resolution has been provided. 
This situation has caused me significant stress and financial disruption, as the total amount owed is {>= $1,000,000}.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation XXXX breach has caused me all kinds of damages inquires that not mine and experian has not removed the inquires that are not mine i sent them documentation a billion times with the police report
Product: Credit reporting or other personal consumer reports

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and the credit reporting agencies has violated multiple laws that pertaining to my right to fair and accurate reporting. 15 U.S.C 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX ) making the report. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) states that a person ( XXXX XXXX ) shall not furnish any information relating to a consumer ( myself ) to any credit reporting agency ( Experian, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. By XXXX XXXX reporting on their transactions between themselves and I this would automatically make the the report inaccurate. Yet Experian, XXXX, and XXXX continue to report this on my credit report. I have reached out to XXXX XXXX to provide me with the contractual obligation that I signed with them and to remedy the situation and expected the matter to be handled with good faith, but I have been met with no response
Product: Debt collection

Someone residing in New Jersey used my name in XXXX of 2024 to purchase something and has a {$1200.00} debt to XXXX mobility. I do NOT now nor have I EVER resided in New Jersey. I live in Massachusetts and have since I was XXXX. I also do not have need for a product from a mobility company my extremities work just fine. I also DO NOT use XXXX XXXX I am a XXXX customer and have been for XXXX. I disputed the debt via XXXX who contacted the company with the collection and the company says its valid that I made the purchase. If you at all bother to look up my public records information I have no ties outside Massachusetts.
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  - Balance {$20000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/year>
Product: Credit card

A capital one credit card was opened in my name that I wasn't aware of. This card is reported on my credit removed as a closed account I just want this card removed from my credit report, this card that wasn't opened by me is causing plenty of financial hardships in my current life.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX wont remove collection of inaccurate info, XXXX  removed this for inaccurate info i asked repeatedly for them to remove this the last response i got was those may be so ( transion removing it from my report ) but info is accurate -it for XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 1 XXXX XXXX XXXX PA XXXX XXXX XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MN XXXX XXXX XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXX this is inaccurate the other 2 bureaus have removed these inaccurate info it does not let me dispute this one Date Reported : XX/XX/XXXX Collection Agency.-.Equifax- XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$750.00} Amount {$750.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$63000.00} ; XXXX XXXX XXXX Balance : {$370000.00} ; XXXX BANK XXXX Balance : - ; XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts/tradelines " XXXX / XXXX XXXX exist on my report as duplicate accounts for those " Keybank Na ''. XXXX is the servicer whereas XXXX is/was the lender. XXXX returned the loans to XXXX when XXXX mismanaged a deferment and/or forbearance on all ten ( 10 ) accounts. Unfortunately, XXXX placed derogatory charge-off narratives into the accounts/tradelines before returning them to XXXX. XXXX has inserted the CO annotations/narratives into the accounts/tradelines under " XXXX XXXX. '' Thus, the " charged-off '' annotations and/narratives under the " XXXX / XXXX '' tradelines are false/misleading under 15 U.S. Code 1681e because they give the impression that there exists two ( 2 ) sets of accounts that were charged from balance to loss -- this impacts my credit score. Of note is that TransUnion is the only of the three major CRAs that continues to report these accounts/tradelines, as they were removed by XXXX and XXXX for the reason ( s ) as described above.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when I sent with an FTC fraud report and my Documents. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX XXXX GA 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: Debt collection

Actually NOT used obscene language but used pressure tactics, are unwilling to help/ resolve issue and also seemingly improper management of debts and PII - pers identity info ( SSN, addresses et c ). 
We incurred debts when I was XXXX with US military in XX/XX/XXXX, was XXXX discharged and did n't received any pay until XX/XX/XXXX. So we incurred debts, house was improperly foreclosed ( XXXX got us WHOLE 500 $! ). We settled/ paid off most debts, except for XXXX XXXX XXXX, where XXXX transferred some funds owed on mortgage ( foreclosed ) to CC which is n't legal. Then debt was almost settled with XXXX, but when requested documentation it was quickly transferred to Midland Credit Management, under MCM acct # XXXX. Midland FAILED to prove debt ( and it 's height ), FAILED to communicate to resolve ( I sent email requesting documents/ investigation into XXXX improper behavior ). Since then dealing with MCM DISASTER:XXXX/ MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX , CA XXXX is n't really attempting to collect, settle or communicate - when calling ANY of their XXXX numbers ( such as XXXX or XXXX ) XXXX gets through, then message says it is recorded and when asking about use of non-recorded line is put on hold and then told " unrecorded line is n't available, call in XXXX hours '' -- that is usually XXXX min into " transfers/ holds ... '' All reps giving " odd names '' such as XXXX diff person stated to be XXXX XXXX ( all from XXXX XXXX call center ! ), or XXXX XXXX or XXXX XXXX, these are from XXXX. That also bring issue XXXX/ PII, addresses, DOB and all info passed from US to XXXX XXXX who can effectively stole identity w/o any control/ oversight by US government/ agencies. 
I think that is ABSOLUTE disaster. 
On top, seems like Midland Credit Management is just RENOWN for this behavior w/o any action from our Government. Sincerely XXXX XXXXXXXXXXXX
Product: Credit card or prepaid card

I purchased a two day ski pass from XXXX XXXX  ( XXXX ) for {$350.00} to be used between the dates of XXXX at XXXX  XXXX  XXXX  XXXX I was able to use the first day as intended but XXXX closed all resorts for the season across the XXXX on XX/XX/XXXX due to the rise is COVID-19 cases and I was never able to use the second day. XXXX set up a webpage to request refunds which I utilized but I was told that it would take up to 12 weeks to see any sort of resolution. I didn't consider this an acceptable timeframe so I filed a dispute with USAA ( the credit card issuer ) on XX/XX/XXXX. Note that while I did not receive any further correspondence from XXXX regarding my utilization of the refund webpage ( and still haven't ), they only ended up offering customers the ability roll the unused days into a pass next year instead of issuing refunds to the method of payment. 

Regarding the dispute, I provided USAA with the public statement that XXXX XXXX  closed on XX/XX/XXXX, as well as the invoice for the tickets purchased. The dispute was revoked and when I inquired I was shown proof provided by XXXX that I used the ticket on XX/XX/XXXX. I told the customer service rep that I mistakenly entered the full transaction amount and that my intention was to recoup half of the ticket value ( {$170.00} ) since only half of the days promised were used. The rep noted this in the dispute but I was again contacted by the bank at a later date and told I need to provide further proof of correspondence with the merchant ( for which XXXX did not provide a carbon copy of when the refunds webpage was utilized ). XXXX is notorious for poor customer service and they are currently engaged in a large civil suit with pass holders over this very matter so I would really prefer to not continue interacting with them for something that I do not consider to be an acceptable resolution ( unused days rolled into a pass next year ) nor a good use of time and energy. 

Bottom line, I was promised 2 days of lift service by XXXX and only provided 1 day of their own volition. I am seeking a method of payment refund of {$170.00} for the 1 unused day which XXXX is publicly refusing to do for their customers with unused days and USAA is being extremely difficult about issuing a chargeback for a service that was very clearly promised, purchased and not provided by the merchant.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to update my previous complaint filed regarding an inaccurate and unverified collections account reported by XXXX XXXX on my credit reports. Unfortunately, despite my efforts, the issue remains unresolved. 

Summary of Previous Complaint : I disputed the account with all three credit reporting agencies, highlighting numerous discrepancies and attaching supporting documentation. 
I contacted XXXX XXXX requesting verification of the information, but their response was inadequate. 
I expressed concerns about potential violations of the Fair Credit Reporting Act ( FCRA ) due to the inaccuracies and lack of verification. 
Failure to Resolve : The credit reporting agencies have not taken my dispute seriously. They have not conducted a thorough investigation, provided any updates, or removed the inaccurate account. 
Follow-up attempts to obtain updates or further investigation from the credit bureaus have been unsuccessful. 
XXXX XXXX has not provided any meaningful attempt to verify the account information or address my concerns. 
Continued Impact and Request for Intervention : The presence of this inaccurate account continues to negatively impact my credit score and limit my access to financial opportunities. 
I am frustrated and concerned about the lack of progress and accountability from both the credit reporting agencies and XXXX XXXX. 
Therefore, I respectfully request that the CFPB : Escalate its investigation into this matter. Demand a thorough review of the discrepancies and potential FCRA violations from both the credit reporting agencies and XXXX XXXX. 
Urge the credit reporting agencies to take immediate action. This includes removing the inaccurate account from my credit reports while the investigation is ongoing. 
Hold XXXX XXXX accountable for providing accurate and verifiable information. If proper verification can not be provided, insist on the account 's permanent removal. 
Consider further action, including public enforcement measures against XXXX XXXX if they fail to comply with the CFPB 's recommendations. 
I am confident that the CFPB 's intervention is crucial to resolving this issue and ensuring the accuracy of my credit report. I am available to provide any additional information or clarification needed to support your investigation. 

Thank you for your continued attention to this matter.
Product: Debt collection

Security Credit Services is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to XXXX XXXX XXXX XXXX to share my information with a non affiliate third party entity. The Gramm Leech Bliley Act 15 USC 6801 says that a financial institution must protect against unauthorized access or use of such nonpublic personal information which could result in substantial harm or inconvenience to any consumer. 15 USC 6802 also state that Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Per 15 USC 6803 ; XXXX XXXX did not clearly and conspicuously give me the option to opt-out of credit reporting as it states in the Gramm Leech Bliley Act. I am asking XXXX XXXX XXXX to Cease and Desist all communications through any and all mediums unless it is for a specified remedy that I am invoking. The term " Communications '' through any and all mediums would be telephone, email, social media and any consumer report listed but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ect.. This notice is pursuant to 15 USC 1692c. The term Communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. The alleged debt is reporting onto my consumer report which is a form of communication and I need this account removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of ( {$1000.00} )
Product: Mortgage

Every year I get harassing XXXX letter in the mail about the XXXX insurance. I uploaded the proof of insurance on Monday XX/XX/XXXX, but continue to get harassing XXXX letters saying I need to purchase insurance at my own expense.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving in accurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging, systemic issues, such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided. I am requesting corrective action to remove or amend disputed accounts as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax regarding incorrect information on my account back in XXXX and most recently ( XXXX XXXX. On multiple occasions, I was asked by the credit bureau to validate my identity using a secured link to send a copy of my driver 's license and social security card. The link provided never works and when I asked for alternate verification methods, I was asked to verify my identity using incorrect information on my consumer report. When I stated to the agents on numerous occasions that the information is incorrect, I have been hung up on or told " we can not help you ''. I was instructed yesterday to fax my documents and they would process it within XXXX hours. Upon sending the documents via fax, I contacted the company ( Equifax ) who told me they would not process the documents until XXXX days and they wouldn't update my information until 30 days later. 

In addition to being part of the XXXX XXXX XXXX, I was not able to update my information last year due to the same issues experienced yesterday. I asked for a supervisor and my request was denied and then told " we are unable to help you. We also will not file a complaint on your behalf ''. This company is malicious and does not help their customers.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX  XX/XX/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 XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Company called threatening me. Called and got information from a company I don't work for and the company gave them the information. This company calls everyday I have responded but this company is going to far with the harassment and threats. Please make it stop
Product: Debt collection

Upon purchasing a shipping label from XXXX, I was asked if I wanted to initiate a XXXX mychoice account to track shipments and purchase future shipping. I made one purchase with a credit card for around {$12.00}. I am the only one who knew about this account from my company, XXXX XXXX XXXX XXXX and nobody else has access to this account. 

Invoices began arriving from XXXX on XX/XX/XXXX for {$150.00}. The shipping charges indicated were for shipments I did not make or authorize and had no connection to me or my location. All shipments were to/from locations in the eastern half of the United States XXXX I am in California. Additionally, I have no idea how I was receiving paper bills when the payment method I had used was a credit card. 

I called and disputed this first bill and was told it was reversed. I updated my online password. I received a second bill on XX/XX/XXXX for {$600.00} which indicated there was another bill sent on XX/XX/XXXX for {$190.00} that I did not receive. When I called to dispute, I was told both of the invoices ( XXXX and XX/XX/XXXX ) would be reversed. I then received an invoice on XXXX  crediting ( {$210.00} ). Based on the way these responses appeared to flow, I figured this was resolved as was explained over the phone. When I received an invoice on XX/XX/XXXX for a {$48.00} late fee, I figured this was in error and that XXXX would catch and resolve this based on confirmations that all invoices had been cancelled. 

On XX/XX/XXXX I received a collection notice from EGS Financial Care , Inc. attempting to collect a debt that I had confirmed with XXXX was not mine, nor was it current. 

I called XXXX today and spoke with XXXX. She cancelled the invoice on XX/XX/XXXX and provided a confirmation number ( XXXX ), stating ALL invoices had been cancelled/reversed and there was a {$0.00} balance on this account. 

Upon research I have noted MANY online forum complaints that state this happens regularly and that there is a problem with XXXX  ' system that allows anyone to charge shipping to other 's account numbers by simply having the account number that appears on the shipping label. This is wide open for fraud and I am being wrongfully and knowingly collected against as a result. 

Please assist me in seeing that this situation is brought to a stop.