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

XXXX - {$10.00} transferred into Citi checking account. 

XXXX - Citi checking and savings accounts frozen, told they were under review over the phone. 

XXXX - Notice of account closure given via email and letter in mail - Was told accounts will be closed within 60 days and checks for any outstanding balances will be sent - Savings account ( empty ) immediately closed, checking account still frozen but open XXXX - {$250.00} direct deposit into Citi checking account by XXXX ( employer ) Outstanding balance : {$10000.00} in Citi checking account XXXX - Unauthorized withdrawal of {$10000.00} made by Citi, classified as Other Withdrawal XXXX - Went to Citibank branch in XXXX XXXX, CA - Was told they would not be able to produce a cashiers check and that I would have to wait for the account closure to be finalized. 

XXXX - Unauthorized withdrawal of remaining {$250.00} made by Citi, classified as Other Withdrawal in Citi checking account XXXX at latest - Now-empty Citi checking account closed ( XX/XX/30 is when the final monthly statement was produced ) XXXX - Called Citibank - XXXX to be transferred to specific Fraud XXXX department which XXXX closed my account. 
- Was told that there was nothing they could do and to wait XXXX business days for a check in the amount of {$10000.00} and that they had no idea specifically when the checking account was closed. Since this account could not have been closed after XXXX, XXXX business days would elapse some time in XXXX XXXX - Called Citibank - Transferred to Fraud Prevention/account XXXX - XXXX : A check shouldve been sent out to the address on filed ( as verified ) when the account was closed. I had not received a chock, so I asked them to verify. XXXX ( the account XXXX I was transferred to ) spoke with the bank and quoted the same XXXX business days number and was very vague on when I would receive my money. 

XXXX - At least XXXX business days since account closures have elapsed with no check for the amount that Citi owes me- {$10000.00} - having been received. Complaints being initiated with appropriate regulatory agencies.
Product: Checking or savings account

TD Bank opened unauthorized accounts in my name. They used my social and address. 
They told cfpb that they closed the accounts in XX/XX/2020. 
I received an account from TD bank today. XXXX XXXX XX/XX/2020. ) The account was clearly never closed. 
TD bank never sent me confirmation of the closed accounts after telling cfpb that the accounts were closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed a dispute in regards to the incorrect items on my credit report XX/XX/2021. It has been well over 30 days and I've yet to receive any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion the " Company '' has failed over several years to protect my rights as a consumer by the following ; 1. given me an alias based on inquires, the Company has given repeatedly given me the middle initial of " M '' or the name XXXX XXXX ( my deceased aunt ) ; even though for years I have by phone, mail and e-mail stated that ( 1 ) I have no middle name ; ( 2 ) XXXX XXXX is a separate identity and no my identity- as of today XX/XX/2022 both have been reapplied to my report. 

2. TransUnion has place a disputed debt that that is more than 14 years old, it has been removed several times only to be placed back on my report. 

3. TransUnion claims when making disputes, Consumer are ONLY allowed to place a disputes of ( 1 ) ONE disputes for 30 days and can not make several dispute when acquiring the FREE credit report. Otherwise Consumer are forced to join and even then an additional dispute can not be made until that single and ONE dispute has been settled.
Product: Debt collection

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I had completed making interest accrued payments to my account with Affirm , Inc totaling {$630.00}. I currently have made payments to two open " loans '' starting on both XX/XX/XXXX and XX/XX/XXXX on my Affirm account totaling {$2500.00}. Affirm , Inc has been collecting funds through extortionate extension of my credit each time I extended credit to them by lending my Social Security Card to Affirm , Inc to even receive credit. The credit I had extended has not been properly applied to my account. Affirm , Inc has then continuously made several calls at least twice a day and sent various text messages to my phone in a form of harassment to demand I continue to make these unjust payments. Affirm , Inc hasn't sent anything in writing stating or confirming that I owe Affirm , Inc anything. I do not and have not received an invoice or any statements or full disclosures in regards to my account with them. Affirm , Inc has also threatened to charge off my account and send my non-public personal information to a third party to collect on this extension of credit if I did not pay the asked amount. Affirm , Inc has also been reporting and furnishing negative information to the credit reporting agencies in regards to this matter.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding the sudden and unexplained reduction of my credit limit by Chase, which has caused significant inconvenience and frustration. 

I have been a Chase customer for XXXX years, and my account reflects a consistent history of timely payments with no late payments. Over the past XXXX months, I have made several payments that fully covered any outstanding balances. While my balance recently increased to {$4500.00}, this amount is well within my previous credit limit of {$17000.00} and is entirely manageable. 

Chase reduced my credit limit from {$17000.00} to $ XXXX drastic reduction of over {$12000.00}. Chase claims they provided prior notice of this credit limit reduction. However, as someone who travels frequently for business, I did not receive any notification before XX/XX/XXXX. Additionally, Chase heavily relies on its app for communication, yet they failed to notify me through the app until XXXX XXXX after I contacted them to understand why my card was repeatedly declined. 

This abrupt action, taken during the holiday season and while I was traveling for business and relying on the card to cover expenses, is unreasonable and disruptive. Chase 's failure to provide timely notice and their lack of consideration for the timing and impact of this decision have caused significant hardship. 

I request that the CFPB review this matter and ensure that Chase addresses their communication failures and reconsiders their decision to drastically reduce my credit limit without proper notification or justification. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Information under the Fair Credit Reporting Act Dear Sir/Madam, I am writing to dispute inaccurate information in my credit report under the Fair Credit Reporting Act ( FCRA ). The information in question is related to the account listed below : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Discrepancies : Status and Status Updated : The account status is listed as " Paid, Closed/Never late '' with a status update date of XX/XX/year>. However, there is no mention of any balance updates or recent payments, which is required for completeness under 15 U.S.C. 1681e ( b ). 

Balance Information : The balance and balance update information is missing. For accurate reporting, these details should be provided, ensuring maximum possible accuracy as per 15 U.S.C. 1681e ( b ). 

Recent Payment and Monthly Payment : The recent payment and monthly payment details are not specified. Accurate reporting should include these details to reflect my payment behavior accurately under 15 U.S.C. 1681e ( b ). 

Terms : The terms of the account are not specified. This information is crucial for understanding the agreement and obligations under the account. It should be accurately reported in compliance with 15 U.S.C. 1681e ( b ). 

Highest Balance : The highest balance is listed as {$25.00}, which might be correct but needs to be verified for accuracy and completeness under 15 U.S.C. 1681e ( b ). 

Payment History : The payment history shows the account as " CLS '' ( Closed ) in XX/XX/year>, with no other payment details provided. This incomplete payment history fails to provide a full picture of the account activity, violating XXXX XXXX. XXXX ( b ) regarding accurate and complete reporting. 

Requested Action : I request that these discrepancies be investigated and corrected under 15 U.S.C. 1681i. Specifically, I request the following : Provide accurate balance and balance update information. 
Include recent payment details and monthly payment information. 
Specify the terms of the account. 
Verify and correct the highest balance reported. 
Complete the payment history with accurate and detailed information. 
I have attached copies of my payment records and account statements to support my dispute. 

Please investigate this matter and correct the inaccurate information as soon as possible. I request a written confirmation once the changes have been made. According to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if any of the disputed items are found to be inaccurate or incomplete, they must be promptly corrected or deleted. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I have filed complaints against this company in the past. I demanded them to cease and desist " Payment Reminder '' calls and any contact whatsoever unless the payments are behind. I have called many times to demand removal from Auto Reminder for payment calls. After speaking with the company XXXX today, the agent stated it is ( has been ) noted in my account NOT TO CALL, TEXT, OR EMAIL me for any reason other than delinquency. Under the FDCPA I have the right to ask creditors to Cease and Desist yet this company XXXX continues to harass me on the day of payment using auto dialers. I am making this a matter of public record by making this demand formally on the CFPB complaint. No contact at all, XXXX is to CEASE AND DESIST all communications with me unless a payment is late. Future complaints will be through the Attorney General in Indiana. I will not warn them again.
Product: Debt collection

XXXX XXXX Ss # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of Federal Statutes. In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate Federal authorities, the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion
Product: Debt collection

In XX/XX/XXXX, I wrote all three ( 3 ) credit bureaus to dispute the amount owed to XXXX XXXX XXXX XXXX, stated I had insurance at the time so the insurance company should have been charged. I also stated I had filed chapter XXXX and the debt may have been written off as a result of that particular filing. 

In XXXX XXXX I received communications from another collection agency upon which I followed up via letter advising I had insurance and provided the insurance information for them to contact my insurance company to address the issue. 

In XX/XX/XXXX I received communication from another collection agency, I contacted them and advised I had insurance and the matter should be addressed accordingly with my insurance company. I contacted XXXX XXXX and provided the information to Commonwealth Financial Systems on XX/XX/XXXX. I followed up numerous times to continuously be delayed. I then followed up the first week in XXXX again to be advised that they researched the matter and I was liable for the debt. On XX/XX/XXXX, I contacted XXXX XXXX whom advised although I had been constantly communicating and disputing this debt with XXXX XXXX and the various collection agencies they hired the actual claim was not submitted until XX/XX/XXXX and based on their lack of submitting the claim within a timely manner I the consumer/insured is not liable for the debt. 

This is completely opposite of what Commonwealth Financial Systems stated, they advised they researched it with my insurance company who advised since it was so old I was responsible for the debt. I have a copy of all the letters and communications sent to all the collection agencies hired on behalf of XXXX XXXX to collect this debt. 

This has been very stressful and in instances caused increase in rates for financing or complete denial based on the debt being on my credit report since XXXX and not being removed. I have been dealing with this issue for almost three ( 3 ) years and there is no end in sight to reprieve.
Product: Credit reporting or other personal consumer reports

Ive been experiencing ongoing issues with Experian and XXXX regarding inaccuracies on my credit report. Despite submitting disputes for incorrect and inconsistent information, they have failed to remove these accounts. I have repeatedly requested a wet signature and physical proof of these alleged debts, yet they continue to ignore my requests. Instead, I have received generic mail stating the debts will remain because they belong to me, but no evidence or proper documentation has been provided to substantiate their claims. This lack of accountability has been frustrating and is preventing me from resolving the inaccuracies on my credit report.
Product: Debt collection

XXXX XXXX due XXXXXXXX XXXX was sent but no response XXXX XXXX due XXXX XXXX was sent no response XXXX XXXX due XXXXXXXX XXXX  was sent but no response I need clarification on why there are incorrect reported marks on my credit A collection is by default late and past due. Delete this account due to innacurate reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

On DATE I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within days gives a reason to immediately remove those items from my credit report it had been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 

XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

TO, PORTFOLIO RECOVERY, XXXX XXXX XXXX, XXXX VA, XXXX PH:XXXX To Whom It May Concern, I am reaching out again because the unverified item listed below was removed from my credit file XX/XX/XXXX but XX/XX/XXXX shows on my credit file again, this is in violation of Federal Law. 
Please accept this final WRITTEN OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recovery of all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items below are not deleted immediately.

I have asked but not received any original documentation ( a consumer contract with my signature on it ) required under Section609 ( a ) ( 1 ) ( A ) & Section611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification required under Section611 ( a ) ( 1 ) ( A ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' I hate to bring the law into this but I need my information to be reporting correctly on my report, it is my right. 
Account Name : Portfolio Recovery. 
Account XXXX Open XXXX XXXX Errors Found : Portfolio Recovery, did not have any financial obligation with, And original Creditor : XXXX Online bank , I have never Been SEEN in my life this Account, and i have never been open any account XX/XX/XXXX. XXXX Please Remove that Account from my credit file Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX. Account Number XXXX* Violation Reported : date of last payments reports XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, are all reporting different date of late payments. 

Violation Reported : reporting past due of XXXX, and payment status reports collection/ charge-off. No pass due balance should be reporting. 

Violation Reported : two-year payment history reporting nothing for XXXX, XXXX  reports as XXXX, and Equifax reports as current/ Ok. These accounts are reporting under the closed account section, and not reporting under the collections accounts section and yet these are charged-off/ collections accounts.
Product: Checking or savings account

I am a current and in good-standing customer with Fifth Third Bank XXXX I received a physical check from my place of work on Friday, XX/XX/XXXX in the amount of $ XXXX. This is a quarterly bonus check that I have received in varying amounts over the past years. 

On Monday, XX/XX/XXXX, I electronically deposited the check via phone with accurate pictures, the correct manually inputted amount, displaying the check 's financial info and fully endorsed with my signature. I received a message that the check would be deposited in a matter of days. 

On Tuesday, XX/XX/XXXX, I received an email at XXXX a.m. stating that the balance of my account was low and that the balance was in the amount of $ XXXX. 

I attempted to log into my account both via app on my phone and computer. I was denied access to my account via phone and when I tried to login via computer it stated that my account user and name and password were invalid. 

At XXXX XXXX. I reached out via phone to customer service. I was then transferred to the fraud department. When speaking with the fraud department I was told that they check I submitted could not be validated and that their system automatically froze my account. In addition to this, they placed a {$500000.00} negative hold on the account which is why the email was generated to me. No fraud alert nor freeze alert text/call had been communicated to me. 

In a separate phone call with Fifth Third 's security dept. I ask the representative how I could remedy the hold as I was unable to access my accounts to pay bills. I had been told that they will require a bank statement from my employer and that I would need to provide the physical check. I believe they told me to bring it into a branch. 

After contacting my company, XXXX XXXX XXXX XXXX XXXX XXXXXXXX department, I have been told that the check issuing XXXX XXXXXXXX, would provide a verification of funds letterhead and verification of the check issued. I have yet to receive this letter of verification ( XX/XX/XXXX at XXXX XXXX. XXXX ). The request for this document was made around ( XX/XX/XXXX at XXXXXXXX XXXX ). 

At the moment, I have 3 accounts with XXXX that are frozen. One personal ( which is the account reflecting the negative balance, one joint-account which I share with my wife ( which she has access to online and is showing a negative {$500000.00} balance, and one loan account which I am currently unable to access. 

I have XXXX access to my account. Have verified my identity and the validity of myself, the deposit, and my accounts, yet I am unable to gain access to my accounts, the funds, nor the service platform. I am unable to pay my bills without access to my only cash account and fear that this could negative impact my financial situation with other lenders.
Product: Credit card

Avant credit card - I have been getting charged a XXXX fee every month in addition to the interest charge. when i inquired the company told me there was a change made to agreement. when i signed up for this credit card that was not in the agreement. they made this change in agreement when i was already a customer. this is unfair practice adding burden to the consumer on top of the interest charges i pay for.