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

Fraudulent ACH Citibank , N.A . 
Indemnification ACH Payment Ref # XXXX # XXXX Citbank Account ACH Date : XX/XX/year> and XX/XX/year>. 
Drawer : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX : XXXX XXXX Total Amount of ACH : {$56000.00} Dear Sir or Madam : I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ( the Bank ) and am writing to request assistance in obtaining a response and resolution to two ( 2 ) fraudulent Automated Clearing House payments presented to Citibank, N.A ( Citi ). 

Two ( 2 ) fraudulent ACH payments for {$28000.00} each were presented to Citi on XX/XX/XXXX and XXXX respectively, resulting in funds ( the Funds ) being credited to the above-referenced deposit account maintained at Citi. The Bank immediately notified Citi as the aforementioned fraudulent payments and requested that Citi block access to the Funds for the lesser of ( A ) the Requested Amount ( {$56000.00} ) or ( B ) the amount of the Funds still on deposit in the Account or in any other bank account to which any portion of the Funds have been transferred ; plus the amount of any still outstanding instrument purchased with the Funds, including, but not limited to, cashier 's checks and money orders, ( " Outstanding Instrument '' ) ; plus the amount of any payment made with any portion of the Funds to Citi on any obligation due to Citi ( " Credit Payment '' ). 

In connection with this request, the Bank provided Citi with two ( 2 ) hold harmless agreements, copies of which are annexed hereto as Exhibit A, wherein the Bank agreed to indemnify and hold Citi harmless for the restraint of its account. 

On or about XX/XX/year>, the Bank was informed by XXXX, a Fraud Officer at Citi, that certain funds were restrained. Subsequently, on XX/XX/year>, the Bank was advised by XXXX, a representative from Citis Internal Fraud Department Call Center, that a claim ( No. XXXX ) concerning the restrained funds was being processed. Since that time, the Bank has made numerous attempts to contact Citi to obtain a status update on the return of the funds, but these attempts have been consistently rebuffed. 


The Bank recognizes that the use of the Complaint portal by a financial institution to obtain information and resolution is novel, however recognizing the importance placed by financial institutions on regulatory responses and the deafening silence from Cit, the Bank felt it, on behalf of its customers had no other alternative but to avail itself of this delivery channel. 

Your assistance in this matter is greatly appreciated. 

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

I disputed on all three credit companys and they are saying that their information is correct. It is being reported on my credit and I do not have any accounts with Wells Fargo credit cards. How ever is using my SSN is ruining my credit. Please help. This now to me is Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax are refusing to remove the following even after being provided with documents from the companies who never had authorization. 

The following inquiries are unauthorized : Creditor : XXXX XXXX ( XXXX ) Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX : Inquiry from XX/XX/XXXX Creditor : XXXX XXXX : Inquiry from XX/XX/XXXX and Inquiry from XX/XX/XXXX Creditor : XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX and Inquiry from XX/XX/XXXX spoke with the following Supervisor name XXXX ID XXXX who informed me they will never verify or remove this and i can do all i want. 

Another Manager by the name XXXX with employee ID XXXX in their consumer affairs department also told me they will not do anything and disconnected the call.
Product: Credit reporting

Customer Service is giving me the runaround refusing to re-investigate incomplete and inaccurate information appearing on my credit report. I was told to call XXXX ( to dispute ) yet no phone number appears on my credit report, then our call was suddenly disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt to resolve this issue. XXXX Experian and XXXX are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXXXXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by The IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXXXXXX XXXX XXXXXXXX are inaccurate and must be removed.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX XXXX XXXX due to inaccurate information on report. I filed a dispute on multiple items on my credit due to my information being exposed in the experian and XXXX data breach and they have failed to correct anything on my credit. Some of these accounts are not mine! Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company experian. 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a car. Experian and XXXX violates my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute fraudulent accounts and inquiries on my credit report due to a data breach that compromised my personal information. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following entries be blocked and deleted from my credit file : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My credit report is showing a late payment for XXXX 2023. I was never late. I have already notified XXXX XXXX to remove the late payment information from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my consumer reports, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! Your company is in clear violation of the law. Pursuant 15 USC 1682a 2 ( A ) ( i ) -EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( PENTAGON FEDERAL CREDIT UNION ) Making the report is NOT INCLUDED on my Consumer report!

Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) Pentagon Federal Credit Union that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included in the consumer reports!

YOU HAVE VIOLATED THE FCRA 15 USC 1681 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

PROOF OF PENFED CREDIT UNION REPORTING MY EXPERIENCE IS ATTACHED, AS WELL AS PROOF OFF PENFED CREDIT UNION REPORTING DIFFERENT ADDRESSES PER CREDIT REPORTING AGENCY. THIS IS ILLEGAL.

ALL VIOLATIONS ARE CIRCLED IN RED.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ) an an XXXX its ( XX/XX/XXXX ) and on Experian its ( XX/XX/XXXX ) If the information is coming from the original credtor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 
ACCOUNT XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

XXXX XXXX Account # XXXX, XXXX Main Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. ) Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX XXXX ( XXXX XXXX ) Account # XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Account # XXXX, 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ), 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This vehicle was traded in for a new XXXX XXXX, also leased at XXXX XXXX of XXXX XXXX on or about XX/XX/XXXX. XXXX  XXXX requested the end of lease payoff amount to Southeast Toyota Finance and then send them a check for the amount requested, and the checks were cleared by Southeast Toyota Finance ( SETF ). 

On XX/XX/XXXX, I was contacted by SETF to inquire where was the vehicle, I explained that the vehicle was traded in last year, therefore I didn't had the vehicle on my possession, or had any knowledge of the vehicle whereabouts since it should have been turned in back to them by XXXX. 

I recently received a letter from SETF showing a charge of {$1700.00} for miscellaneous, which after calling them I couldn't obtain the detail of such charges ; I tried to resolve this in several instances and they ended reporting as a negative remark on my credit. 

On the XXXX side, I have an approach to Mr. XXXX XXXX, part of the management team at XXXX XXXX XXXX XXXX, who provided me copy of the agreement, and cancelled check, however he couldn't provide information when the car was actually returned to SETF, and why it wasn't turned in in a timely manner. to establish responsability. SETF did not posted the payment timely either, A XXXX report sent by Mr. XXXX it shows that the car was sold by SETF on XX/XX/XXXX, with a mileage of about XXXX miles ; when I turned the car at XXXX XXXX it only had about XXXX miles, this clearly demonstrate that the car was in use for all this time, without my knowledge. 

I have contacted XXXX  to initiate a dispute requesting them to change the damaging information on my credit, very damaging now that I am in the process of buying a new home, however it still in process.
Product: Credit reporting, credit repair services, or other personal consumer reports

On transunion it reports that i have a large sum or debt this debt does not report on any other criedit agencies like XXXX for example this debt was not mine this debt amount is incorrect this was dated back to early covid time. 

this was a lease agreement that is not correct this lease agreement is stated on my credit as a debt owed which is not true debt This only reports on transunion and does not show on other credit agencies the information on my credit report regarding this debt or eviction is not accurate and has been taken off my other reports. 

other tenants have accrued this debt however the debt is a incorrect dollar amount and is not tied to my name anywhere else if something can be done in a timely manner that would assist me greatly thank you
Product: Credit card or prepaid card

I have a credit card with Citibank which is cobranded with XXXX XXXX and gives me access to XXXX XXXXXXXX XXXX XXXX XXXX. The annual fee on the card is {$490.00} which I have been paying every year. 

My annual fee is due this year on XX/XX/2020 but because of the Covid-19 Pandemic, I have not been able to use the perks promised by the card. i.e. XXXX  XXXX lounges were either closed or travel has been limited because of the pandemic. 

When I called Citibank to see whether they can waive the annual fee for next year or at least defer it for a couple of months, they refused and would not budge. 

I have not been able to use the perks and rewards promised by the card through no fault of my own and would like Citi to acknowledge and accommodate
Product: Credit card or prepaid card

XX/XX/2021 On XX/XX/2021 I sent a letter through email to CITIBank. The email is below. There has been zero communication with me that this is being investigated. According to the Federal Trade Commission The creditor must acknowledge your complaint, in writing, within 30 days after receiving it, unless the problem has been resolved. This has not happened. CITI has sent me NOTHING regarding the investigation. CITI is breaking the Fair Credit Billing Act. I will be filing a complaint with the Federal Trade Commission and the XXXX XXXX XXXX  Any creditor who fails to follow the settlement procedure may not collect the amount in dispute, or any related finance charges, up to {$50.00}, even if the bill turns out to be correct. For example, if a creditor acknowledges your complaint in 45 days 15 days too late. I will NEVER pay this. I expect these charges to be off of my account. 


XX/XX/2021 Dear Sir or Madam : I am writing to inform you about the fraudulent/scam charges on my Citi Credit Cards XXXX I am requesting that all charges be taken off my account that are related to XXXX and that any finance charges be credited from the months of XXXX XXXX 2021. I would also like to receive an accurate statement. This company has stolen my money, identification, and account numbers, without me having a full understanding that this is a sweepstakes/scam. This company does not do what they say they will do and is based out of XXXX, which is another thing this company doesn't disclose. There are so many things this company is doing that are against United States law. They don't have customers pay taxes on their winnings, they can not provide winning/loss ratios, and they dont pay out winnings in full. I also requested that this company exclude me from their services, and they did not. These things are against the law! There are numerous reports on the XXXX XXXX XXXX website that report this company as fraudulent. Also, if you believe this isnt a scam, or you or the company doesnt plan on refunding the money I would like a proof of purchase provided to me for all of the charges that I am disputing. You can also close the credit cards if you or the company doesnt plan to cooperate. I can not pay this amount of money and I will not pay it. If you dont reverse the charges, you can sell the debt to a collections agency because I am not paying it. Please investigate this matter and correct/reverse the fraudulent charge as soon as possible. I would appreciate a response from you in writing and sent through secure messages. I will seek an attorney if absolutely necessary. I will also be reporting this to the FTC, CFPB, and hope your company follows the FCRA. I am sincerely disappointed and surprised that CITI lets this company use your services. Thank you for your assistance.
Product: Debt collection

The following collection companies ( companies names ) XXXXXXXX XXXXXXXX XXXX XXXX  have inaccuracies on my report. Ive stated several times to them it wasnt me and for validation not a bill stating whats owed. Theyre breaking the fcra with the reporting. This has caused great harm to me which I know can be up to {$1500.00} per inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax to submit a dispute of N account on my credit report called XXXX XXXX  due to identity theft. I waited 30 days to wait till my dispute was finalized and they told me that the reason they couldnt get t removed wa because the creditor witch is acceptance now verified my name and social security number witch made no sense to me because if someone stole my identity to open up an account of course they have that information. I later contacted the federal trade commission to explain my situation and they gave me an affidavit to submit to Equifax along with my police report so that I can get the account suppressed and in that affidavit it says they have four days to suppress they fraudulent information.I contacted Equifax on XX/XX/2018 to see if they updated my credit report and they told me that they cant remove the account until they submit another dispute witch we already did and they said that it would take another 30 days even tho the law says they only have Four to make the adjustments to my credit profile. The Equifax employee was very rude and disrespectful over the phone with laughter and rude comments witch made me feel like nowbody cared or had any compassion whatsoever about the situation. One of many employees name is XXXX and his employee number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX/XXXX XXXX ; XXXX/XXXX XXXX ; XXXX   XXXX XXXX  XXXX ; XXXX/XXXX XXXX ; account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Debt collection

I do n't know how this company is even still in business with all of its complaints, XXXX rating, etc. They lie, degrade, yell, threaten, etc. Absolutely intolerable behavior. Other collection companies to not behave this way. XXXX is XXXX that lies and threatens and condescends and is always rudely sarcastic. This must STOP! Why is this allowed?
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX ; XXXX GA XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX  XXXX, XXXX ; XXXX  XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$1700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$8700.00} ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023.
Product: Credit card or prepaid card

I am being charged late fees from citi bank Best Buy credit card. I have been charged {$25.00} on 3 separate occasions and the only thing i have done is try to make payments. I now have lost {$75.00} to fees. I have tried to reach a customer service representative only to be put on hold hours on end. I have tried signing in on their mobile app, on my phone, and on my laptop with no luck. Every time i try to sign in it has issues signing into my account with associated birth date, social security, etc. and locks me out of my account. I have been able to get into the account one time on my XXXX through XXXX  and it showed no minimum payment due, but a balance of {$620.00}. The full amount it says i owe when it charges the late fees is {$1300.00}. I want to pay the full amount so i never have to use this card or company again. I have pictures of my bank account and the fees they are pulling. They have pulled fees XX/XX/XXXX XXXX and XXXX of this year. I made a payment on XX/XX/XXXX of {$620.00} through their automated system since that was the only place i could make a payment and the maximum amount it would allow me to pay only to be charged with two more {$25.00} fees as i have said above. I still have not been able to reach anyone and it has been about 2 weeks since i have been trying to pay this card off in full and get the late fees waived.
Product: Debt collection

I recently received a collection notice fro m JP Recovery Services f or  XXXX  and I had never received a bill from the company in which this entity is claiming to be collecting for.  <P/> This is a medical claim and I also feel that my HIPPA rights have been violated.
Product: Credit reporting or other personal consumer reports

This is my 4th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$8800.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$8800.00} XXXX XXXX XXXX
Product: Consumer Loan

JP Chase Bank is just not doing right to their customer knowing that is difficult to control their money, if purchases are made with debit card when you look a the account will show that transaction was deducted then 2days later they transaction appear on a different day and an insufficient funds fee when it was process there was enough money to cover the transaction and balance was provided. 2nd issue if check are process in the same day or night before their deposit from employer they overdraw the account and change all this fee 's when the deposit comes in. 3rd issue if they receive XXXX or more checks they put the bigger one first to over drawn the account and charge more non sufficient funds fees so we never could keep account balance and you ca n't talk to one single representative that will even take the time to understand they will either tell you if you do n't have the protection plan they will cover and charge but they still returns the check when ever they want so its deceptive