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

I recently opened a high yield savings account with Citibank using an online application after seeing it advertised on the Citibank website while managing my Citibank Visa which I have had for many years through Costco. This was the second time I attempted to set up a a savings account with Citibank. The first time was in XXXX of this year and I had an issue receiving mail at my physical address as we didnt have a mailbox and only a XXXX XXXX XXXX That account was flagged and not opened because that issue. The second time, I was able to get the account opened as I could receive mail at my physical address. After waiting a while, receiving several emails requesting I fund the account, and receiving a debit card, I funded the account by transferring funds through the Citibank app from my credit union account into the new savings account. The first amount I transferred on XX/XX/23 was {$1000.00}. I then initiated another transfer earlier this week in the amount of {$100000.00}. Yesterday I attempted to log into my account on the Citibank app and was told my access was denied and given a number to call. I called the number and got transferred to the security department. The person in that department said that my account was closed permanently due to a VPN issue ( which I dont understand ) and I would not be able to ever open an account with them. I got no other explanation and when I asked when they would transfer my money back to my credit union, they informed me that they wouldnt deal with me and that I had to call my credit union and have them deal with it bank to bank. I was told my credit union would need to call XXXX and choose option XXXX. They would also need to file a Hold Harmless to get the funds returned. When I called my credit union they said they had never heard of such a thing. I was told by my credit union the funds were transferred through Citibank and they had no way of stopping the {$10000.00}. XXXX transfer from earlier in the week. I have not heard back from my credit union. I dont know what to do as Citibank wont talk to me. Please help! Thank you!
Product: Student loan

I write to complain about the debt collection conduct of Citibank, XXXX XXXX, and XXXX XXXX XXXX. I owe about {$30000.00} on a private student loan I took out with Citibank to attend XXXX school in XXXX XXXX XXXX. I graduated in XX/XX/XXXX, and was working in the XXXX XXXX XXXX XXXX XXXX position when I injured my XXXX. The injury occurred two years ago, and as a result I had to stop working. I got XXXX, and, only now have been able to start looking for a job. I have used up my savings as well as the financial good will of my friends and family to maintain payments on these loans. As of XX/XX/XXXX, I no longer can pay the loans. <P/>I called Citibank well before XX/XX/XXXX and advised them of that i was running out of savings and income and that i would need some sort of accommodation until i could find work. Citibank told me I was only entitled to 12 months of forbearance and that I had already used that up sometime during the 9 or 10 years that I have been in repayment. Citibank began calling me in XX/XX/XXXX, telling me i was late on my payment. Every time they called I explained my XXXX problem and how it stopped me from working and that I had used up my savings. Citibank then transferred the case to a new servicer, XXXX. XXXX began calling on XX/XX/XXXX, demanding that I make payments. I continued to explain my financial situation, and asked if there were any options to help. The answer was no. XXXX has since called relentlessly, sometimes several times a day, telling me this isnt a debt you can ignore, and threatening to report me to the credit agency. <P/>I have similar problems repaying loans held by XXXX XXXX.. XXXX gave me one-month forbearance for XX/XX/XXXX, but says I must make six more months of payments before I can access the remaining 3 months of forbearance. This is not possible.
Product: Debt collection

I am the victim of a sophisticated fraud perpetrated by my ex wife XXXX XXXX against me over the life of our marriage. I have consulted with local authorities and with legal counsel, and I have been advised that my rights under the consumer protection statutes at both federal and state level are applicable here. However, after notifying XXXX XXXX of the fraud discovered, they allegedly conducted an investigation and decided to ignore my rights under the law that protect victims of Identity Theft. I understand that the circumstances are not your cookie cutter, cut and dry identity theft - however if you look at the totality of the situation- I never benefitted, authorized, or was aware of any of these accounts opened, maintained, and used in my name. My signature was forged, in every single instance that the cards were used. Payments were made from an account not under my name. The forgery and deceit is of the highest level, and I have stated numerous times that I am willing to cooperate with and assist with any prosecution for forgery, fraud, and ID theft charges that should be levied on XXXX. 

Pursuant to the guidance issued by the CFPB and The Federal Trade Commission, I have included my law enforcement report and my notarized Fraud Affidavit in this complaint. This ID theft report has been provided to all my creditors, however XXXX is choosing to ignore the facts and reach a conclusion against me, the victim of a sophisticated Fraud. 

XXXX has been provided with a legal notice summarized here : " Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). '' They have failed to abide by those requirements and more, and therefore leave me no choice but to pursue assistance from the CFPB in order to resolve this fraudulent debt against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello there! 
I hope youre doing well today. This company put high inquiries on my credit file but I didnt give them authorization. 
They put inquiries on : XX/XX/2019 XX/XX/2019 Therefore Im asking them if theyd kindly remove those inquiries. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, 3 credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit has been compromised, these items being reported are creating a ton of XXXX XXXX XXXX XXXX which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$710.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Debt collection

I discovered on XX/XX/2016, during a review of my FICO score, I had been placed in collection on XX/XX/2016 for a debt/account I have no knowledge of. Apparently, a debt collector by the name of Midwest Recovery Systems is attempting to collect on a fraudulently obtained payday loan. The loan, in the amount of {$720.00}, must have been obtained from XXXX XXXX XXXX through identity theft. I have never had any dealings with XXXX XXXX XXXX or Midwest Recovery Systems.
Product: Mortgage

Hi All, I can't afford to paying mortgage. If you any option to get help please provide that information
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I got an auto loan from USAA Federal Savings Bank ( " USAA '' for the rest of the complaint ). 

In XX/XX/XXXX, I paid this loan off IN FULL. I have a confirmation letter from USAA dated XX/XX/XXXX, and a " Lien Satisfied '' letter from USAA dated XX/XX/XXXX. 

In XX/XX/XXXX, I noticed a " charge off '' in the amount of {$180.00} dated XX/XX/XXXX from USAA Federal Savings Bank on my credit report. 

On XX/XX/XXXX, I called USAA. After 1 hour and 16 min, I was eventually routed to the correct Department : " Charge Off Recovery Dept '' XXXX XXXX ext XXXX. The representative XXXX was as helpful as she could be. She confirmed that my loan was indeed paid in full and she could not figure out why there was a charge off. She informed me that the USAA credit reporting dept could not be reached by phone, either by consumers or by herself. She stated she was going to initiate an investigation and she advised me to file a " Credit Report Dispute '' via the USAA website, which I did immediately. She also advised me that it would take approximately 30 days before any information was updated on my credit report and that I should check at that time. 

On XX/XX/XXXX, I called USAA Charge off Recovery Dept and talked to XXXX again. She informed me that on XX/XX/XXXX, the charge off amount of {$180.00} was " washed out and cleaned. '' She again advised me that it could take up to 30 days before this information was reflected on my credit report. 

On XX/XX/XXXX, I checked my credit report. The charge off by USAA was NOT corrected. I again called USAA Charge off Recovery Dept. This time, I talked to XXXX. XXXX confirmed that my account was " still in charge off status, '' but he could not provide me with any further explanation. I asked if I needed to make a payment to remove this charge off, but he informed me that I couldn't make a payment " because there is nothing to pay ''. He stated he was going to initiate another investigation and that if I would like to, I could file another " Credit Report Dispute '' on the USAA website. I told him what I would like is a resolution to this issue, and that I wanted to speak to someone in the credit reporting office who would actually be able to answer my question as to " Why was there a charge off when the account was paid off in full and the lien is satisfied ''? Most importantly, I told him that I wanted to talk to someone who could actually tell me what needed to be done to resolve this issue, AND actually resolve the issue, ie remove the charge off from my credit report. He informed me that " the back office can not be contacted by phone '' and that my only recourse was for him to initiate another investigation. I asked him to initiate the investigation. 

Why there was a " charge off '' when USAA sent me a letter stating " Your Loan Has Been Paid in Full '' on XX/XX/XXXX and another letter stating " LIEN SATISFIED '' on XX/XX/XXXX. How could I possibly have owed them any money?
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

California eppi card payed out {$210.00} on XXXX of 2019 I did not make that purchase. Filed a dispute over the phone with the California Eppi card which is now California Way 2 go card and spoke more than once about this situation and ended up being charged anyway even after canceling my card and disputing it. Filing papers on the dispute and going through the whole process. Each person I spoke with from the California card had something different to say. Until now I still have that charge and my money taken away. And it was for a company that does not even have an email or phone number to contact.
Product: Credit reporting or other personal consumer reports

Reported incorrect balance. I have a XXXX balance and its report as {$75.00} on my credit account
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts Ive marked as inaccurate : XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This goes back to XXXX .I inquired with XXXX XXXX XXXX about attending school. I did paper work and went to school for about 1 week there. I never received not 1 check. I got incarcerated the same week I started for 9 years. The school fraudulent cashed checks in my name because I did n't. I sent an article to XXXX XXXX. XXXX showing them at the time I had signed up for school .they were falsifying documents such as checks. In students name. I tried to dispute with XXXX XXXX XXXX I requested a fraud affidavit they never provided. This is not my debt a d should not be on my credit report
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XX/XX/year>XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Please review my report. I noticed the creditors are not cooperating with the request I need for the inaccurate items I have on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a first complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Contacted by CUSTOMER CARE GLOBAL, XXXX, on or around XXXX XX/XX/2022, in regards to XXXX loan turned over to collections by XXXX XXXX XXXX I informed XXXX I had no such loan. He read back my address and SSN, however had an email and bank account that are not mine. I advised him that this was identity theft, and told him to stop collection activity. XXXX stated he would stop collection activity. I made a report with my local law enforcement, Ftc, and XXXX. I have not heard back from Customer Care Global. XXXX XXXX XXXX initially stated I needed to take it up with XXXX, however after I filed my FTC and XXXX  complaints, they began emailing me back telling me I needed to prove this was not me. I told them, they needed to furnish the bank account, phone # and email used to get this loan. 
They will not. 
Both companies are involved in identity theft and need to be held accountable, and not allowed to assist trying to defraud American Citizens.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my latest report in XXXX dated XX/XX/2022 and I found out that credit reporting agencies still indicate my disputed items in my credit report. As of todays date, XXXX and Experian has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed items below for 100 % accuracy : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$330.00} XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX  XXXX XXXX Balance Owed : {$5.00} XXXX XXXX  XXXX Balance Owed : {$2.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

DENYING ACCESS TO CREDIT REPORT AFTER FILING COMPLAINT ALLEGING DISPUTE AS REASON FOR DENYING THE CONSUMER ACCESS TO THE REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

As dated XX/XX/2022, Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Consumer, am aware that according to Federal Law 15 U.S. Code 1605 ( a ) 15 U.S. Code 1605 - Determination of finance charge - That the Finance Charge is a sum of ALL CHARGES.

Im aware that Truth In Lending Act makes it VERY CLEAR that The amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. 
So, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Im aware according to our agreement that you signed XXXX XXXX XXXX XXXX, that the finance charge to me XXXX XXXX XXXX ) is {$20000.00} and if XXXX XXXX charge is a sum of all charges, payable directly or indirectly can you please explain in the words of XXXX XXXX XXXX XXXX how is possible for me to be ever be Late on any payments? And why are not all my payments being furnished as On Time on my Consumer Report. 

Thanks in advance for your timely response, Respectfully, XXXX XXXX, Federally Protected Consumer.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX never responded. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

On XX/XX/2023 money from my checking account was withdrawn without notification from me, and leaving me a XXXX balance. After attempting to make routine purchases I contacted and visited the bank the following day XX/XX/2023. The bank confirm that my money was withdrawn, but did not or could not say by who or why? They assured me the problem would be resolved, and after that visit I received in the mail a letter from Bank Of America stating : " We debited your account a partial amount of {$14000.00} from a transaction that was credited my mistake -- here 's what you need to know. On XX/XX/2023 we were notified that your account was credited by mistake. To fix it, we debited your account -- you'll see the adjustment on your monthly statement. '' But that was three weeks past. On XX/XX/2023 I returned to the bank and spoke with a bank representative -- the original person with whom I spoke with during my initial visit ( XXXX XXXX ), who made several phone calls to no avail. 
She then advised me that she would get me a solution to my problem, and I left. I have called and visited the bank, but the bank have not resolved my problem. I still do not have my money returned!
Product: Credit reporting or other personal consumer reports

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). 

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXX XXXX XXXX - {$6800.00} XXXX XXXX  XXXX - {$0.00} I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.