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

We have been defrauded by Citibank for the total amount of {$65000.00}. 
Accounts involved : XXXX, XXXX. Accounts are in the name of Mrs XXXX XXXX, and are managed by my spouse, XXXX 's daughter, XXXX XXXX as Power of Attorney. 
Account XXXX, in the name of XXXX XXXX XXXX Estate. Also managed by XXXX XXXX, daughter of the late XXXX XXXX XXXX. 

Finally our personal checking account XXXX which was started 40 years ago. 

The problem : In the first week of XX/XX/2020, we noticed several checks that had been attempted to be deposited to all the accounts above. The amount was the same in almost all : {$4700.00}. All checks bearing addresses from upstate New York were made payable to XXXX XXXX. Most checks included XXXX 's complete Social Security Number, which in itself should have been a red flag. 
The next step of the fraud was made in person, where someone impersonating my wife XXXX, went to a Citi Branch in Illinois and made withdrawals using my wife 's PIN number, and ( or ) my number, when it came to our joint checking account.This also should have raised a flag. It did not. The signature of my wife was imitated very badly in this process and her name misspelled. Another red flag ignored. Our signatures have been on record for 40 years. A Video of this person exists. 

We brought all this to the attention of the branch management and they contacted the Citi fraud unit and told them unequivocally that these transactions were not made by us. They also told them that they had spoken to the management of the Illinois branch about it. 
We have not travelled to that State.We have never been accused of a crime. 
We have spent countless hours going to the branch in our neighborhood speaking to our customer service rep, Assistant Manager and the Citi fraud Unit during these dangerous times. 
We have also spent hours speaking to the Fraud Unit from our home while quarantined. Last time was today while at the branch. 
The Fraud Unit contrary to the determination of the Branch management, told XXXX that there would be no compensation for us, while offering no tangible- factual reasons. 

Remarkably, the exact same treatment was offered to me, XXXX XXXX, about 2 years ago, when my Citi credit card was defrauded via a non chip credit terminal at a store. 
Only after my complaint to this agency did my then nightmare ended. 

It is obvious to anyone with a brain, that a Citi employee stole all our personal info, PIN numbers included and perpetrated this crime with Citi 's negligence as a helper. 
Their recalcitrant/indifferent response is an insult to us on top of injury. 
Citibank is aiding and abetting crime. We are sick of being abused. 
We Obviously Need Help.
Product: Money transfer, virtual currency, or money service

There was no one in the bank with any authority. They attempted to charge me a 2 % check cashing fee off of the check written at their bank. I think this is illegal and immoral. Please advise and investigate if this is in fact legal.
Product: Debt collection

I have dispute several account with XXXX and I submitted complaints regarding several creditors on my credit profile. Ive submitted documents such as police report and court documents. These companies are still reporting negative on my credit profile which have caused me to to be denied for numerous of credit opportunities. Listed below you will find the complaint number from CFPB and the creditors listed. I would like these issues to be resolved immediately and not just a statement of investigation, There have been Several investigations and no results. I would like for XXXX and the companies listed to uploaded all supporting documents, regarding these debts listed on my credit profile. Otherwise, I would like to request a full investigation from the FTC. This have affected my life tremendously. Need Help ASAP!!!! 
Thank you, CFPB Complaint number with the documents attached : XXXX Companies Listed on the credit profile : - XXXX XXXX XXXX  ( XXXX XXXX XXXX ) XXXX : {$7900.00} - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$170.00} XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX  XXXX XXXX : {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

this account was opened by someone else identity fraud
Product: Debt collection

On XX/XX/2024 at XXXX and XX/XX/2024 at XXXX, I was contacted by XXXX ( XXXX ) XXXX. When answering the phone both times, one time while I was at work ( XX/XX/2024 ), and the other time, during dinner with my family ( XX/XX/year> ), by a representative from XXXX XXXX XXXX XXXX XXXX. I was also contacted by a different number, XXXX XXXX XXXX XXXX XXXX, on XX/XX/2024, at XXXX by a representative from XXXX XXXX XXXX XXXX XXXX XXXX Because I was tired of XXXX XXXX XXXX XXXX XXXX, trying to call and harass me, I decided to call back XXXX minutes later, at XXXX, after receiving the XX/XX/year> phone call. After dialing the XXXX ( XXXX ) XXXX number back, they immediately asked who they were speaking with, after stating that the call may be recorded. I proceeded to tell them that my name was XXXX. I asked representative who answered my call who I was speaking with and she stated that she was from XXXX XXXX XXXX. She then stated that she couldnt tell me anymore information until I told them my last name. I proceeded to tell them XXXX. The female representative then stated that they were attempting to collect debt that I owe from a TJX Rewards Credit Card. I told the representative that I have never had a TJX Rewards Credit Card, and that I dont owe any debt. I also proceeded to tell the representative to stop contacting me or that I would both press charges and take legal action if XXXX XXXX XXXX XXXX XXXX contacted me again. The number that they contacted was XXXX. According to XXXX XXXX XXXX website, that the representative referred me to, XXXX XXXX XXXX XXXX XXXX is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, there phone number is ( XXXX ) XXXX, and there email is XXXX. It is a true and a factual statement that I have never opened up a TJX Rewards Credit Card Account, and that I do not owe any debit to XXXX XXXX XXXX XXXX XXXX. I am requesting assistance to help stop XXXX XXXX XXXX XXXX XXXX from harassing me any further about a debt that I do not owe.
Product: Checking or savings account

We have been banking with Chase for approximately 14 months now. We opened a business checking and savings account. We are a general contracting company. We deposit large checks over {$10000.00} from time to time. We recently deposited a check for roughly {$10000.00} through Chase Bank 's mobile app. The deposit was made on XX/XX/2022 which was a XXXX XXXX. The following day the funds were made available and the bank cleared 3 or 4 transactions. Some hours later my husband attempted to withdraw {$200.00} and the transaction was declined. I logged into my online banking and saw a negative balance of {$3400.00}. in our account. My husband went into the branch to inquire and was initially told that because the check was made out to him personally they placed a hold on the funds. When we advised them that we were told when we opened the account that that would not be a problem they changed the reason to well you haven't made a large deposit like this in a while. We asked how we could facilitate getting the hold released and were told to get proof from our customer 's bank that the check had cleared. We complied with their request and the following day presented proof that the check had cleared. XXXX XXXX XXXX, the branch manager/vice president still refused to release the hold stating that the copy provided was not legible enough and to get a better copy. By placing a hold on all but a couple hundred dollars the bank caused our account to become overdrawn by {$3400.00}. I went into the bank the next day to speak with XXXX XXXX and he refused to answer any of my questions stating he had discussed the matter with my husband and would not discuss it again with me. I went to another branch where I normally go and provided them with the same documents. They went online and requested that the hold be released stating that I had provided proof the funds had cleared. Regardless, the bank did not release the hold. I spent XXXX XXXX hours on hold after being transferred twice and nobody ever answered the phone. I believe that the bank failed to comply with Regulation CC which requires notification of any hold be provided to the customer in writing, which was never done and, for deposits over {$10000.00}, that at least half the money be made available within 2 business days. I have made complaints with the Federal Reserve and OCC and am contemplating a lawsuit for conversion, intentional misrepresentation and emotional distress. Chase Bank has unreasonably shut down our business by preventing access to our money. We have never bounced a check nor have we ever deposited a check that was returned. There is simply no legitimate reason for the bank to have done what they did. I believe Chase has a pattern and practice of placing unreasonable holds on their clients funds in order to make money off those funds for their own gain.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were taken off of my XXXX I do not understand why they are still verified on my Transunion and my XXXX. They were taken off because they were unverifiable and inaccurate. Please remove these account immediately.
Product: Credit reporting or other personal consumer reports

My past payments have been consistent, and these late payments don't align with my usual record.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX i leased a new XXXXXXXX XXXX. I was late a payment in XXXX, and then was late again in XXXX of XXXX. Out of no where they had repossessed the vehicle and then proceeded to sell if for profit. All this time had passed without any payment seeking. I then filed a dispute on all credit accounts to have the account removed from my credit reports. They accepted this and then closed the account across all reports. This is still true for for my XXXX and XXXX. I again disputed to have it completely removed, to which they then reinstated the account claiming that I owe them over {$5000.00}. I can not believe they would do this after 3 years. They account was closed, it is still closed on my other reports. I have repeatedly tried to dispute this this XXXX XXXX with no success. I have proof and screen shots that the account was closed on XXXX XXXX, and is still closed on my other reports.
Product: Vehicle loan or lease

Called XXXX - Stating that late payments stated on the credit reports are not accurate. You guys stated that you would delete the late payments due to malfunctions on your end and the issues that customers are having due to covid. 

I was laid off not long after the car was purchased. Obtain employment and then in XX/XX/XXXX the company closed my department and was laid off again. Obtain employment in XX/XX/XXXX but was laid off in XX/XX/XXXX due to Covid-19. During these times I tried my best to stay-a-float doing odd jobs. Then I caught XXXX and was very sick. 

I had to have an XXXX and I think that XXXX  saved my life. Got better and worked odd jobs again. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Not as bad as the first time but I still have a XXXX XXXX XXXX to XXXX. Then Obtain another job in XX/XX/XXXX but was laid off again in XX/XX/XXXX due to the supply chain issues caused by XXXX. The company wasn't able to produce it's products due to the lack of computer chips it need. 

Please remove all late payments from credit report. The late payments are severally damaging my financial well being for the future and present.
Product: Credit reporting or other personal consumer reports

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. ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE FOLLOWING ACCOUNTS HAVE VIOLATED MY RIGHTS TO PRIVACY XXXX ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX
Product: Debt collection

XXXX/XXXX/2015 I received a unknown call on my cell phone with a message left with a threat of a law suit from a law department ; the person calling did not leave there name or what law department they were calling from just the I needed to call Portfolio Recovery. The message stated I must call today to discuss or a lawsuit would be filed and delivered to my home or work between XXXX and XXXX on XXXX/XXXX/2015. I have not spoken to anyone as I received some strong messages from individuals in XXXX, XXXX, and XXXX leaving messages that warrant would be issued ... the message did not say by whom or for what ... just that I needed to call. The numbers were unknown and the tones of the individual leaving the messages were very strong and threatening like a scammer to take you information and steal your identity. I am very nerves as and scared to go to outside to my car or work.
Product: Credit reporting or other personal consumer reports

By checking my credit report, I have discovered a fraudulent collection in my name, I have never got in business with such company for such services, the collection is XXXX XXXX with the account number XXXX opened on XX/XX/year>. Please remove it from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three accounts on my credit report that do not belong to me all three bureaus have these accounts on them. I have sent them multiple letters to no avail I need to know why this is not being taken care of. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account INQUIRY Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 Reason : I don't recognize this inquiry
Product: Money transfer, virtual currency, or money service

I disputed the transactions because my phone was stolen and the denied it and never had a customer service contact to even speak to. 
In two transactions XXXX XX/XX/XXXXwas stolen. Totaling to a total of XXXX simply gone.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX Balance Owed : {$67.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

XX/XX/2018, California Business Bureau received my certified letters ( 4 ) requesting them to validate the debt being reported on XXXX under my social security number per the Fair Debt Collection Practices Act. In turn, the receptionist at the front desk of my job told me their were papers left for me at her desk. It was a summons I was being sued by California Business Bureau. They failed to provide any contract bearing my signature to validate the debt they were looking to collect or exactly what medical services they were collecting for. I have no idea who these people are. I pulled a new credit report on XX/XX/2018 and they failed to communicate to XXXX credit bureau the debt had been disputed within the 30 day time period. A direct violation of FDCPA Section 807 ( 8 ). They also did not validate and provide any proof or contract bearing my signature I owe them anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reporting agency keeps allowing different collections agencies to re-post the same account. XXXX XXXX XXXX {$1000.00} collecting a debt for XXXX XXXX XXXX XXXX. Well the original creditor XXXX XXXX XXXX XXXX has already sent word to the credit reporting agencies, that the accounts with them were fraudulently put in my name. which were way lower at {$100.00}, & {$250.00}. now its being listed as {$1000.00}. 
This is causing me and my family financial hardship because I am not able to qualify for a house due to this hindrance on my credit report. 
Also XXXX has allowed 2 accounts from FINANCE SYSTEM to remain on my credit even though I sent them and the original creditor XXXX XXXX XXXX XXXXI numerous documents and fraud reports proving that I lived in the state of Texas when these 2 bills were incurred in Florida by someone who stole my identity. Which must have included my drivers license during that time because I looked for that old license and was not able to locate it, even though I found all of the others I have had. I plan to also submit a complaint to both the attorney general for the state of Texas and for Florida. It is not possible for them to say the other accounts were fraudulent that were done in my home state but the 2 that's not in my home state are legitimate. I also am seeking the advice of counsel that will notify me of all my options in reference to this issue and how it has had a negative impact on my and my family 's lives.
Product: Debt collection

There is a debt in my credit but Ive tried to pay for it. But The collector says they dont Have anything open for me. Im bit sure what the collection is for, but its {$70.00} and I want it it off my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Hurricane Irma hit Florida in XX/XX/XXXX, and Capital One was offering Hurricane Relief to its customers following the hurricane. I lived in Florida, and contacted Capital One to confirm. Capital One told that as long as I made a minimal payment ( less than the actual 'minimum payment due ' ) on my credit card each month, they would waive late fees.

I pulled my credit report recently, and Capital One reported that I made late payments on my account during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XX/XX/XXXX.

I did make payments on my account each month, which is documented on the attached statements. These payments were less than the 'minimum amount due ' in accordance with the Hurricane Relief they were offering.

Capital One reported incorrect information to the credit reporting agencies, which has now affected my credit score and caused me harm.

If Capital One offered to waive late fees and accepted lower payments during their Hurricane Relief, they should not have reported incorrect and negative information to the credit reporting agencies.

I have been a loyal customer to Capital One, and always made my other payments in full and on time.

V/r, XXXX XXXX XXXX, Esquire
Product: Debt collection

XXXX XXXX of Resurgent Capital is continually reporting negative information to the credit bureaus that should not be on my credit file. I have disputed with the Credit Bureaus, 2 bureaus have removed the collection. Also according to the State of Florida neither company is registered to do collections. I have attached the pictures from our State website. Unless this company can provide a signed contract where I XXXX XXXX owe this debt and proof their license are active in Florida these collection account needs to be removed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Equifax Credit Bureau requesting them to verify the source of reporting of a Chapter XXXX bankruptcy on my report. They claim on my report that this was received from the US District of Virginia Courthouse. I included with my letter, a signed letter from the courthouse stating they DO NOT submit information to any credit bureau. I received a response from Equifax stating they looked into my dispute and they claimed the reporting was accurate and sited XXXX XXXX, a third party provider, as the source of their information on my report. Based on the information I 've provided, this is clearly inaccurate and false reporting on my report. I am requesting that they remove this from my report permanently and all accounts included in said bankruptcy such as charge-offs and collections. Thank you for your attention to this matter.
Product: Checking or savings account

On XX/XX/XXXX stayed at extended stay hotel for 1 night. Went with girlfriend I had buisness so slept then went to first job the went to second for rest of night. Checked in around XXXX XXXX  left around XXXX XXXX  never came back. Girlfriend stayed allegedly had party cops were called. The next day I get text from bank on XX/XX/XXXX that XXXX was deducted from account it was the hotel saying that a whole was in the wall and somebody smoked in the room so I call hotel manager was very disrespectful just said there was damage and I said from what he said you know and belittled me hung up on me tried to call again he hung up tried to call corporate after over an hour on hold I gave up contacting them. Didnt get receipt until XXXX from motel. Told bank to stop payment on charge filed complaint got denied learned that the charge was credit since I didnt furnish pin so ask for chargeback bank is now dragging there feet. Wont give me credit until investigation is complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting two issues : 1. I received mail from Bank of America, notifying me that my application for the Royal Caribbean card was declined due to incomplete or unsatisfactory information. 

I never applied for such card or account. 

In checking my credit report a hard inquiry does appear from Bank of America XX/XX/2023. 

I have reported to XXXX and requested that a fraud alert be placed on my account. 

2. On XX/XX/2023 I received a letter on XXXX XXXX XXXX XXXX, stating that my application was declined due to unsatisfactory or unverifiable information. It was a very detailed letter containing my correct credit score. It referred me to XXXX reporting Agency, but I was reluctant to contact either XXXX or XXXX based on the suspicious nature of the letter. I have made a note with XXXX that this was an unauthorized application. It is not currently showing on my XXXX report, but I am concerned that it will appear at a future date. Perhaps it is not showing because it is so recent, or perhaps it would appear on a report issued by another reporting agency.
Product: Debt collection

on XX/XX/2022 i found this account on my credit report that i do nor own. Please see the attached file