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

I discovered on XXXX that Citi had placed a " roadblock '' webpage after entering my correct user ID and password into both their online banking platform and mobile banking app. This road block had to have been placed within the last four days. The road block webpage required that I enter a card number for card activation. I was confused as I only use a citi credit card, and that card was in my possession, active, working and doesn't expire until 2024. I am now anxious about fraud and even more worried about gaining access to my account information to make sure someone wasn't using my card or savings account, but there appeared to be no way around the roadblock. I tried different web browsers, the mobile app, made sure correct web address, looked at citi for messages about any problems with their website, etc. etc. No luck. I'm extremely anxious now that someone has gained total access to my account ( s ) and ordered new credit cards. 

After a long and painful phone call with citi customer service, I uncover that they have blocked my access to my account information until I activate an ATM card I received when I opened an online savings account with them approximately one year ago. I had no use for the ATM card and didn't want to activate it. Why activate a card I won't use? To me that would just be opening another avenue for a fraudster to gain access to my funds. 

However, Citi decided they were willing to hold my own account information hostage in order to force me to activate one of their products that I didn't want to activate. Does that sound like a proper practice ... ... ... ..the answer is no. But their hostage taking worked, as now I have an activated ATM card and access to my account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was stolen back in 2021 I filed police report and I had my wallet bag and laptop in the car with my personal information inside also there was a security breach with equal XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Wells Fargo held my primary mortgage, XXXX holds my 2ndary mortgage. I was widowed on XXXX of XXXX and became a single parent of my XXXX old daughter. In XXXX, I was laid off due to COvid. In XXXX, I became severely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX and denied unemployment or workers comp inorder to keep my health insurance and have my medical bills paid. During all of this, for the past 4 years, I have constantly, consistently and purposefully remained in close contact with both WF & XXXX to request Mortage Forebearance and Mortgage Modification. I have begged them to settle with me for a discounted payoff. Over the 3 years, I have placed more than 50 phone calls and completed their forms and sustained constance abuse of both entities asking me to resubmit, stating they never received the applications, something was missing that they needed but they never told me. In late XXXX, after being blindsided with foreclosure papers from XXXX ( while I had been calling them weekly to learn if they'd accept a loan modification ), I was referred to Illinois Housing Assistance. I have submitted an application for financial yet they say they have reachecd out and need info from Wells Fargo. Wells Fargo says they never received IHAF request. Conveniently, Wells Fargo has just sold my loan to XXXX and they say they haven't received any request from IHAF. However, everyday when I call IHAF to see if they can award me some support, they claim neither of the 3 creditors have responded and they will not accept the information from me. I have over 75 contact dates, phone numbers, case numbers. 
I have now just received a letter dated XX/XX/XXXX that the new loan agent of the Wells Fargo Mortgage, will begin foreclosure proceedings in 33 days from today. 
I can not explain the discrimination and abuse I have endured in trying to make ends meet and to not default by staying in constant contact and providing every single notice of doctors appointments, and medical records. I have dates, records and the best news it, both WF and XXXX have taken all calls from me and my advocate on recorded lines which you can obtain for proof of my hardship and pleadings to them.
Product: Debt collection

I have a collection from the XXXX XXXX XXXX for XXXX that appears on my credit report stating I'm delinquent from XXXX. I have not served in the military since XXXX ( has XXXX ). I have not purchased anything from this company that year. I did purchase items from them back in XXXX but it was not XXXX worth of merchandise. It has been XXXX years since then but it shows that this was recently purchased. I have reached out to Foster and Monroe via email with no response requesting for any information proving the validation of the debt.
Product: Debt collection

Original debt with the Hospital ( XXXX XXXX XXXX XXXX, XXXX, Ga ) is being paid bi-weekly since services were rendered in 2016. Documentation such as bank statements ... have been provided to National Recovery Services and 1 additional company trying to collect and the original debtor. This information was provided almost 2 1/2 years ago to these three.
Product: Credit card or prepaid card

Synchrony Bank called me in XXXX to ask me if my address had changed ( it had not ) and to ask if I had made certaincharges ( I had not ).

Subsequently, SynchronyBank opened an investigation and closed myaccount. At the same time, they reported to the credit bureauthat my account was closed due to lack of payment, and I believe this had a negative impact on my otherwise outstanding credit score.

Leter, SynchronyBank sent me a letter stating the fraud had been resolved in my favor. 

In XXXX, SynchronyBank ( Amazon Store Card ) charged my bank account checking account {$2100.00} for changesmade on XX/XX/XXXX -- after Synchrony had closed my account. I contacted my bank and reversed those charges. 

Today, XX/XX/XXXX, I receiveda collection call from Synchronyasking for the above amount. After an hour on thephone, they said they will open an investigation '' to help '' me. Also, they still havean the fraudulentaddress in Illinois for me. I have never lived in Illinois as stated by me in XXXX. 

My main interest is to keep Synchrony Bank from continuing this kind of abuse. 

Thank you for your time and I hope to hear from you soon.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED.

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked this place to remove the account info from my credit. XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX They will not remove this and it has been paid in FULL
Product: Debt collection

I overdrafted a bank account years ago. For about roughly 1200.00 . It was XXXX XXXX. They closed the account and on my credit report it was put into collection but was marked closed at consumers wishes. It said I had XXXX $ in collection but XXXX  was due at the time. There was never any agreement worked out or anything. XXXX XXXX  ended up selling the debt to a lawyers office called XXXX XXXX XXXX. I have been harassed brought to court, have received over 30 letters and its still an on going matter. Im a single mother and Im doing the best I can. Im not in a position right now to pay that debt. However this lawyers office will not leave me alone and I dont know what to do? Please help!
Product: Debt collection

Southwest credit systems never obtained my direct consent for contact pursuant to 15 usc 1692c. They are in violation of the fdcpa pursuant to 15 usc 1692k.
Product: Credit card or prepaid card

I was approved for an amex everyday credit card in XX/XX/2018. I was mislead by being told I would receive a welcome offer. Upon approval I was told that I would not by receiving the welcome offer and that I would be given a {$500.00} Credit limit to start and that I would have access to a higher line of credit after making my first five payments on time. The following is a copy and pasted email from American Express : Pay on time and increase your credit limit American Express logo Hello, XXXX XXXX XXXX Account ending in XXXX American Express Card View Account Make a Payment Manage Alerts Preferences You can earn a higher credit line on your new Amex EveryDay Card. Simply follow the steps below for each of your first five statements : Use your Card. You must have a balance due each month. 
Pay at least the minimum due on time each month. 


To help you pay on time you can set up automatic payments with AutoPay, where you can customize your payment amount and date. You can also enroll in Alerts informing you when your statement is ready and reminding you of your payment date.

Thank you for your Card Membership.

American Express Customer Care Contact Us | Privacy Statement | Add us to your address book Your Card Member information is included above to help you recognize this as a customer service e-mail from American Express. To learn more about e-mail security or report a suspicious e-mail, please visit us at americanexpress.com/phishing. We kindly ask you not to reply to this e-mail but instead contact us via customer service. 



Terms & Conditions 1. You will receive an increased credit limit if you ( a ) have an amount due on each of your first five billing statements, ( b ) pay at least the minimum amount due on those statements by the due date, ( c ) are not past due on the credit report we review at the time we evaluate the credit limit increase, ( d ) meet federal requirements for ability to pay, and ( e ) havent already received a credit limit increase.

2. Your credit line increase will go into effect by the end of the sixth month after your first payment. 



XX/XX/2018 American Express. All rights reserved. 



XXXX It has been over 8 months and I have not yet been given an increase in credit. The people that i speak to are very rude and are not concerned by the fact that I have been lied to. My credit score sits at XXXX with utilization around 20 % income over $ 70K/year with assets around $ 20K. I'm  not asking for a crazy amount of credit. I am just asking that they keep up their end of the bargain. They lied to me about the welcome offer and they are not telling me lies and even yelling at me, and hanging up on me when trying to explain the issue. I am so angry. I feel like I have been completely manipulated and it's unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the following accounts listed on my credit report. After receiving a letter stating I was a victim of Identy theft I found the following accounts reporting. 

XXXX XXXXXXXX XXXX Fraud Account oniapim XXXX XXXX this is not my account I never had a account with this company. 

XXXX & XXXX I have no knowledge of this account XXXX XXXX Bank this account is being reported as authorize user I never gave any consent to be added to anyone 's credit I have no knowledge of this account please remove it also XXXX XXXX is reporting the same way I do understand how someone else credit card is reporting on my credit report without my consent. 

XXXX XXXX is a collection account I have no knowledge of this account I have disputed this account with the company as Fraud XXXX XXXX is also reporting a collection account on my credit this account also is being disputed as Fraud I am request it to be removed from reporting. 
I have also attached my FTC please see attachment
Product: Mortgage

I was working with a loan officer from Bank of America to acquire a mortgage on a home while in contract. The XXXX misrepresented our assets in the application and took over two weeks to notify me after knowledge of underwriting denials. Bank of America never provided me with formal documentation for the denial reason and took over a week to get the required documentation to another lending intuition. 

Additionally, I paid a {$930.00} appraisal fee to Bank of America on XX/XX/2024. This payment was processed over the phone and no receipt has been provided. Bank of America instead has sent an invoice to the new lender stating that I did not pay the fee.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XX/XX/XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} -XX/XX/XXXX XXXX. 
XX/XX/XXXXXXXX Date Opened : XXXX Owed : - XX/XX/XXXXXXXX. 
XX/XX/XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - XX/XX/XXXXXXXX. 
XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : $ XXXX XX/XX/XXXX XXXX.
Product: Mortgage

My mortgage is serviced with FAY SERVICING.  They appear to be very shady with loan payments. I will give you 2 examples:1) back in XX/XX/XXXX they sent me (2) $XXXX check, I should have only received 1.  I call then and they had no idea what I was talking about.  I cashed them both.  I then noticed I had a late mortgage payment in XX/XX/XXXX--they took my payment that I made in XXXX to offset their "double check" to me.  Is this legal?? I have no idea but seems they should have just called me to ask for the money back.2) I regularly make payments for more than the amount due--I expect this "extra" money to be applied to my principal balance--however, they move the money to a suspense account and do not apply it to my principle.  I should not be paying interest on this principal payment reductions while the money sits in this suspense account.  I just want you to look into this servicing company.  If you order a 1 year snap shot of my mortgage you will see all of the issues that I have described above.  I do not feel they are on the up and up and feel I am being taken advantage of.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  has listed in credit reports that both my wife and I have missed 8 payments. In fact we have not missed even one without their instructing us that under the modification program we eventually qualified for, we could skip up to 2 Two payments. All other payments were made. In phone communications with them, I was told they were refusing to do anything about the false report until we served them with proof that the credit bureaus contacted them and then gave us XXXX XXXX XXXX  written reply. XXXX  immediately removed the false report from their listing. Equifax took my complaint three separate times and only sent back emails stating that the process was completed, but not once reporting what was the reply. In a fourth contact, by phone, they would not give the reply verbally and stated I would get a written copy in 3 to 10 business days. That was over three weeks ago. Now, by phone, they tell me I am no longer able to confirm who I am to begin any discussion of XXXX response or what happened to the promised written reply. The History of bad faith on the Bank 's part is atrocious, including attempts to foreclose illegally and refusing to remove PMI as required when debt went way under 80 % of value. Then, after removing it in the modification, they just arbitrarily add it.
Product: Mortgage

Lender added additional fees for a loan lock that I was unaware of. When I disputed there response was they thought it was in my best interest to lock the rate without my consent. I ended up paying more money for closing then I agreed to. I felt deceived and put into a corner with no other option but to sign and pay the additional fees.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$66.00} XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. NO : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX LA XXXX, XXXX This company is publicly known for fraud. It takes almost XXXX effort to investigate and discover this. https : XXXX After more than six weeks after filing a dispute Amex rebilled me for a fraudulent charge from this merchant but failed to provide any evidence or documentation that the charge is valid as required by law.
Product: Credit reporting or other personal consumer reports

ON XX/XX/year> I RECIEVE MY CREDIT REPORT AND SAW ACCOUNTS THAT DID NOT BELONG TO ME. I CONTACTED THE BUREAUS AND EXPERIAN SAID THAT THEY VALIDATED THAT THE ACCOUNTS BELONG TO ME .ACCORDING TO THE LAW THEY SUPPOSED TO SEND ME THE ORIGINAL DOCUMENTS THAT OPEN UP THOSE ACCOUNTS AND THEY DIDNT BECAUSE I DIDNT OPEN THEM UP AND IAM SUFFERING FROM SOMEONE ELSE HARM.
Product: Credit reporting or other personal consumer reports

I am requesting the removal of these collections from my credit report, as they are negatively impacting my credit score. I am uncertain why this issue was not resolved when I previously requested removal a few months ago. Please take immediate action to remove the inaccurate information from my credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In or around XXXX XXXX, I paid the credit card balance in full for the amount of {$380.00} my credit line was only {$300.00}. Their was no settlement, no account paid for less than balance owed or any other kind of agreement other than balance paid in full and the removal of this this derogatory statement from my credit profile, it was paid in full the entire balance owed. They agreed to remove this account from my credit profile after payment. This has not happen as of yet.
Product: Credit reporting or other personal consumer reports

I see this company on my credit report and its causing damage to me and my family members. I never opted in to have my information shared. 
" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states\n '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC\n1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in acordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15\nUSC 1681C ( a ) ( 5 ) states '' Except as autorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 a new collection account was opened by XXXX  Portfolio Services. I have no knowledge of this account, but I want them to supply me with all documents I signed when this account was originally opened.