23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank Credit Card account numbers : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX Remove consumer statement Both my Citibank cards have a consumer statement attached which are incorrect I am in the process of closing a large home loan near {$300000.00} The only hitch is both my citibank accounts are reporting as being in dispute. I called Citibank explained the urgency, informed them the account was not in dispute, as I currently use the accounts and make my monthly payments timely. The agent informed me to fax a letter requesting to remove the dispute immediately, but also stated this could take 30 days. I do not have 30 days. The consumer statement is not accurate I am asking for that statement to be removed immediately. 
I have attached : 1 ) the letter I faxed to Citibank 2 ) Page of my credit report showing the 2 Citibanks credit cards with Consumer Statements
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX  XXXX Balance Owed : {$310000.00} ; XXXXL XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$2900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Was with a mortgage services prior to this one, I was in a modification that I was told would be permanent, last year they raised my payment and interest and was in the process of working with them last year during COVID lock down and was repeatedly told they were going to help and for us to continue to send in our modified payment which they took. Beginning of this year our mortgage was transferred to this servicer and they are not willing to work with me. In XXXX my husband past away
Product: Debt collection

On XX/XX/2020 I contacted Credit Control Corp in order to dispute several medical bills that were just placed on my credit reports without notifying me by mail of the debts and allowing me to dispute them. This killed my good credit rating. I asked for a debt validation letter and asked could they please provide contracts with my signature making me obligated, which they could not provide. I've had health insurance at the time the services were rendered, and I provided them with the proof of my health Insurance cards. They still did not remove the erroneous account. I sent them a second letter on XX/XX/2020 demanding that they comply with the law and remove this account that they could not verify. The company still continued to send me medical bills stating I owed the debt. On XX/XX/2020, I contacted the company for the 3rd time to hopefully resolve this issue and they will not comply with the law. I do not owe this debt and I continue to get harassed by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report may have been hacked, according to reports. I was looking over my records once more when I found a lot of things that weren't mine. The FCRA 's section 605b requires you to remove and block any things that are discovered to have been opened as a result of identity theft, according to my diligent study. I do not own the objects in the dispute. As a result of additional study that both parties requested, I am providing the necessary FTC Report for you. Those files should be blocked or deleted. 
XXXX XXXX XXXX XXXX, MD XXXX ; XXXX, XXXX, L ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX OF XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXX Balance : {$390.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Checking or savings account

My name is XXXX XXXX and I am a Paypal customer with email address XXXX PayPal locked my account 26 days ago and asked for certain information and documents to unlock which I have provided but they have not unlocked my account.

I want PayPal to fix things right for me
Product: Checking or savings account

My bank is 5th 3rd Bank. I disputed 5 transactions of fraud and theyre saying some of them they can not give back being to long that I disputed it. It has only been a few months. The cause number is XXXX. 

Thank you so much My cell is XXXX
Product: Credit card

I had four synchrony credit accounts 1. QVC good standing no missed payments. Low balance 2. Care credit no balance 3. Jcpenney low balance, paid on time in good Standing 4. Synchrony HOME. Paid on time, in good standing. Original limit was for XXXX for a stove. Took the entire balance. Paid it off in good standing no missed payments. 
I received notice last year thry were lowering my credit on Care Credit from {$2000.00} to {$300.00}. 
Recieved notice thry were closing my HOME account as soon as it was paid in full ( XX/XX/year> ) I have never missed a payment on ANY revolving account in recent years. The fact that yhry choose to " occasionally run your credit '' a d choose to close accounts based on overall debt is unfair a d possibly predatory. How is it they will give you a card, maxed out day one that they approved. Thrn when you pay it off ( with the Interest ) thry close thr account. I could see if the account was late. It never was. This affected my credit terribly. In essence ruining everything I worked for in paying on time. Them closing my account lowered my debt to available credit. This should not ve allowed. If a card has an available balance, unless they have a legitimate reason to cancel as in late payments thry should not be able to close an account.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts on my credit profile that are fraudulent and I have reached out to the credit bureaus numerous times regarding these accounts
Product: Money transfer, virtual currency, or money service

I am working with a Lawyer named XXXX XXXX out of XXXX XXXX XXXX office if XXXX @ XXXX and these people hacked into my emails and used his logo and used this email address to make contact with me XXXX they also used XXXX XXXX as the accountant and me not knowing that I was speaking to them and not my Lawyer they gave me XXXX XXXX account number and routing number. The routing number is XXXX and the account number is XXXX and then two days later my Lawyer called me asking me if I was ready for payment and I said I sent it to your accountant he's like what are you talking about and that's when he said forward the messages you received from these impostors that's where he said they are using my Logo. His name is XXXX XXXX XXXX and his phone number is XXXX and my phone number is XXXX and it's XXXX XXXX and I have all the tex messages from.these people and the XXXX receipt from Bank of America that's who the supposedly accountants bank is linked to
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I discovered the credit reporting agencies are reporting inquiries to my record from the agencies listed below on the date shown above the name of said agency listed below. Per 15 USC 1681b Permissible purposes of consumer reports subparagraph ( 3 ) Information regarding inquiries says except as provided in section 1681g ( a ) ( 5 ) of the title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I've asked for verification and validation of these accounts ... .I 've spoken with a rep at the courthouse and the courthouse and the courthouse doesnt share information with the credit agencies therefore the reported BANKRUPTCY XXXX XX/XX/XXXX needs to be removed IMMEDIATELY. This is my third and final request for this removal. Failure to remove this account is a FCRA VIOLATION WILLFUL NON COMPLIANCE and I shall be seeking compensation per violation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX is in violation of STATUE OF LIMITATIONS FOR REPORTING THESE ACCOUNTS, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  said they verified this account and failed to provide details and contact information for this alleged verification I'm also requesting a copy of my written consent to report any of these items on MY CONSUMER REPORT
Product: Vehicle loan or lease

On XX/XX/2023. I applied for a car loan with Navy Federal Credit Union for the amount of {$15000.00} and was denied credit.
Product: Checking or savings account

I opened a new personal account with Citibank and deposited a substantial amount of legitimate money, which was issued by my labor union. Shortly afterward, Citibank closed my account without notice or adequate explanation, citing " fraud concerns. '' Despite repeated calls and attempts to escalate, Citibank has refused to disclose any specifics regarding the alleged fraud. 

I was told a check refunding my balance may have been mailed, but no one can confirm whether it was actually issued, where it was sent, or when I should expect it. The bank refuses to give me any tracking information or status updates. As of now, my funds appear to be in limbo with no accountability from Citibank. 

This lack of transparency and access to my own money has caused me considerable emotional and financial distress. I am requesting the CFPBs immediate assistance in : Investigating the reason behind the closure Determining the whereabouts of my funds Holding Citibank accountable for this opaque and distressing process
Product: Mortgage

To Whom It May Concern, Recently I learned some very disturbing information regarding my mortgage. I discovered this information because I am trying to avoid foreclosure. For the better part of this year, I learned that the entity attempting to foreclose on my home, is most likely without authorization to do so. As a result of that, I ordered a Property Securitization Analysis Report and I learned things were definitely not done according to the statutory foreclosure laws in the State of California. As a result of further research, I learned that the right to rescind my loan transaction was still available to me due to the fact that my loan transaction has never consummated pursuant to California Code of Civil Procedure section 1550. On XXXX XXXX, 2015 I took the first step in rescinding my loan by sending a letter of rescission to my servicer, Caliber Home Loans. Caliber Home Loans received the letter on XXXX XXXX, 2015. Pursuant to the Federal Truth In Lending Act, Caliber and/or the creditor was suppose to file a lawsuit against me within 20 days of the receipt of the letter and/or take the necessary steps to release and/or reconvey the deed of trust. They have failed to take any action to be in compliance with the Federal Truth in Lending Act. On XXXX XXXX, 2015, I mailed to Caliber a Notice of Non-Compliance, they have still yet to comply and they are attempting to foreclose on a deed of trust that has been canceled by operation of law. I do not understand how they can attempt to foreclose on a deed of trust that is null and void and yet blatantly disregard the law. I filed a complaint back in XXXX on another issue and I do not know what transpired on that complaint. I am filing this complaint with the Consumer Financial Protection Bureau because there is a clear violation of law and I hope that you can assist in this matter. It appears Caliber Home Loans will not adhere to the guidelines and laws that are set out before them unless there is a higher intervention. Violation of federal law simply can not be ignored. Your assistance would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed above do not reflect any correct transactions done by me.

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance.

FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

i reviewed my XXXX XXXX credit report dated XX/XX/2022. After review I noticed three accounts that any and all fields that had a date did not match what the other agencies had in their records. These accounts are XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX  Acct number XXXX and XXXX XXXX XXXX account number XXXX All three accounts have very different dates in all date fields across all bureaus. 
I sent certified letters to the three bureaus asking them to go back to the respective creditors to get the correct information updated. to investigate what were the correct dates as the should all have the same start and end dates for example. 
Its " well over the 30 days now for all letters received. As of the XX/XX/XXXX credit report there has been no change to these accounts that i can see all fields that require a date have different dates from the other bureaus. 
Please look into this situation as soon as possible. It is my belief that these accounts should have the same information. 

Please advise
Product: Checking or savings account

I was frauded I am a Bank of America customer since XXXX and the one time its needed most BOA is not helping. I got a text on XX/XX/XXXX about a suspicious charge that was going to my account and I had to respond yes or no. As this was not me I responded No and I then went to call the bank. Of course it was a long hold and I opted for a call back and not but 2 minutes later I get a phone call from 1-800 BOA number. I was told the name of the person and they were a BOA representative and someone was trying to use my card at multiple places and I needed to move my money to a separate account. Which I believed and did as instructed and I found out later that this was an ongoing scam that BOA is aware of. I called that day to file claim talked to the most rude person I ever talked to with no sympathy as I am in tears freaking out. Well it was XXXX XXXX weekend so I have to wait till Tuesday to call Bank because of XXXX XXXX holiday and when I call they have the claims and they tell me I have to wait the 10 business days for temporary credit or resolution. Well today XX/XX/XXXX is the 10th business day and I wake up and no credit. I call BOA and they tell me basically sorry you sent the money and we did as instructed and we can not do anything but ask them to give money back. REALLY this is what I get when I am told don't worry we have your back and we will take care of you and that is what we are insured for and now I am without my money and because they decided that its my fault when their number is not secure and is calling their customers and able to fraud us! How is BOA such a huge bank able to be breached and leaving us with no help.
Product: Debt collection

A collection agency is attempting to collect a debt that belongs to my ex-husband. It involves XXXX XXXX. The debt has been reported on my credit reports. 
My name was NEVER on the account. When I was married, I could not call and discuss the power bill because I was not on the account. I have repeatedly tried to convey this to Collection Services of Athens. 
When I asked for proof, the collection agency simply sent me a MEMO with my name, the name of my ex-husband, the address, dates of service and the amount owed. When I disputed that document, as it was unacceptable, they sent a photocopy on XXXX XXXX letterhead with the same memo copied onto it. Again, that is unacceptable and, in my opinion, fraud. 
This collection is operating in a manner that hurts innocent consumers. They evidently did not ask XXXX XXXX for proof of the debt. XXXX XXXX is also responsible, as they illegally reported the debt in my name. 

Please help me in clearing up this matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

I used Venmo as a resource when I applied for XXXX because the requested a checking account but at the time I didnt have XXXX therefor I used my Venmo account. On XX/XX/year> I was given a deposit of {$25000.00} to my account with Venmo from Ssa Treasury. I started to make purchases with my Venmo debit card and did t have any problem but when I went to link my checking account to my Venmo to be able to transfer money there to purchase a car Venmo would allow me to link my bank card. I called their customer service and they said to try and transfer money to a family member who had Venmo and see if I could get the money that way so I tried to send some money to my sons Venmo account like they said and the very next morning on XX/XX/year> my account was frozen! I then contacted Venmo and they sent me a email with a link to upload my Valid Id so I did and within 3 days my account was unfrozen. I still couldnt link my bank card at this time after their customer service had told my on the phone several times to try linking it again and I wasnt able to withdraw any of my money on Venmo from any ATM locations. I made some more purchases on XX/XX/year> once they unfroze my account the first time but later this day I received a email stating my account was once again froze they sent me a email stating they needed my Valid Id again in a selfie with me holding it and they also asked me to send in my banking information for the account I was trying to link in my Venmo so I uploaded and sent them all the information they asked for and the next morning XX/XX/year> I got a email stating my acccount was now deactivated and they were holding my money for 180 days. I am sickened at this point being I am XXXX and finally was awarded my XXXX just to have Venmo do this to me and this is A lot of money to just have a institute say we are keeping your money and you may or may not get it back in 180 days l! They also addressed on the email for me not to reply to anymore emails as they wont respond. Please please help me with this!