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

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX XXXX Account Number : XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more then 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

I recently went to check out a new car at XXXX. After carefull consideration I was decided to apply for a loan for this car. I was declined for a good rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. I have reached out to the FTC and to my local police department. I am doing this all on my own, and these items need to be deleted from my credit report. Chapter XXXX Bankruptcy, XXXX/XXXX XXXX. XXXX/XXXX. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX. inquiries : XXXX, XXXX XXXX. XXXX
Product: Vehicle loan or lease

I was going to purchase a used truck from the dealership and they had me with a predatory loan lender amongst the fact the truck had a critical engine failure and internal damage to the cylinder and head. The dealership knew the truck had these problems and still tried to make me take this vehicle with a lender who tried to charge me 30 % interest rate. My husband who is XXXX and in a wheelchair and myself brought this vehicle back to them and told them they can not make me take a vehicle that has this major problem and expect us to pay for it when you knew the vehicle had these major problems before they tried to sell it to us. Than the lender they put me with has been sued for being a predatory loan lender. The vehicle was returned 3weeks after costing me about XXXX and being told how bad of a shape the engine was in.
Product: Credit reporting or other personal consumer reports

EXPERIAN.COM DONT WORK CANT UPDATE MY CREDIT REPORTS CANT SEE ANY AINFORMATION ON MY CREDIT REPORTS XXXX & XXXX I PAID, AND STILL GET THE SAME RESPONSE FROM : EXPERIAN ON THE PHONE
Product: Checking or savings account

Following the filing of a Complaint with your office, City National Bank drained my account. So far they have not informed me of the disposition of almost {$6000.00} the account held! 

I reached out to the Bank this morning and I do not believe they will respond to me! 

I have an open complaint with the bank on file with you/ Claim number active on file is XXXX relating to the ho0ld on funds! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 51 minutes ago ) to Dhaanwatie, XXXX, XXXX Thank you for your continued callousness and non communication! 

I see that as of this morning, my Account balance is at XXXX! Please make ABSOLUTELY CERTAIN that this account is CLOSED, effective today! 

Also please confirm disposition of the funds that the account held! Because it contains STIMULUS money and Social Security funds, please confirm these funds will be reimbursed to me and provide a timeline on disbursement of funds being returned to me! 

Your response will be shared with the Financial Protection office! 

I can not say it has been a pleasure working with you! It certainly has not! 

XXXX XXXX XXXX Please note that beside the banker I have also e-mailed the President of City National Bank
Product: Credit reporting or other personal consumer reports

To whom It May Concern, I am writing to formally dispute an error on my credit report regarding an inaccurately reported late payment. I recently reviewed my credit report and found that XXXX, XXXX, Equifax has reported a late payment on my XXXX XXXX account, which is incorrect. 

I closed this account in XX/XX/year> with a zero balance, and I have never had a late payment or any outstanding debt on this account. The reported late payment is a mistake, and I request that it be removed from my credit report immediately. 

To support my claim, I have attached the following documents : A copy of my credit report highlighting the error A confirmation letter or statement showing my account closure with a zero balance Any additional supporting documentation I request that this inaccurate information be corrected as soon as possible in accordance with the Fair Credit Reporting Act ( FCRA ). Please provide me with written confirmation once the correction has been made. 

Thank you.
Product: Money transfer, virtual currency, or money service

IRS direct deposited my stimulus nothing is in my account I can't even log in to my account tryed ATM I have a card nothing there
Product: Credit card or prepaid card

My direct deposit has not posted. I have two deposits, one for {$1900.00} and the other in my spouses name for {$1200.00} which are not available. The deposits were suppose to be settled on XX/XX/2018. Netspend, in partnership with XXXX, is holding my funds. I've supplied both companies with the tracer number to track the transfer and they will not give me a confirmed date on when my funds will be available in my account. They stated that the federal reserve did not send a file which is causing a delay in the transfer. Furthermore, I am aware that this is currently effecting a large number of Netspend customer 's. They are blaming the problem on a technical glitch with no ETA.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX XXXXXXXX XXXX XXXX had two late payments. I called the company multiple times and was told I never had a late payment. They advised me to talk to a credit reporting agency. I filed a dispute with Experian, and the XXXX late charge was removed, but the XXXX late payment remains. I filed another dispute, but the error persists. All the representatives at the credit card company have confirmed that I have no late payments. I would like this to be rectified on my credit report. I also would like to note I have never had a late payment fee on my account only interest.
Product: Checking or savings account

On XXXX XXXX XXXX : I received an email sent by an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, asked me to clarify some of the details listed on my original application, " if you have any affiliation with a XXXX XXXX ''. 
I responded " No '' because I don't know this person or any connection with that person On XX/XX/ : I received a further inquires from above XXXX, asked me my funding source, " please clarify in detail why would funds originate from the XXXX if you live and work in XXXX '' I responded that the money is from my other bank accounts with XXXX XXXX XXXX XXXX XXXX XXXX salary Wired from XXXX. 

On XXXX XXXX XXXX, I contacted HSBC XXXX XXXX XXXX XXXX via phone, the customer services told me they will call me back, but no callback or email response. 
On XXXX XXXX XXXX, I found all my accounts are closed.
Product: Credit card or prepaid card

I have as a Shell gas card issued by Citibank for several years now and have always been able to configure and receive account alerts upon specific events. One very important alert I have always had was instant notification when I or any of my authorized users make a purchase using my account.

Over a month ago my son 's authorized user card was compromised and the number used fraudulently. Citibank then cancelled his card and issued a new card with a new card number. As soon as that new card was received and activated, the alert function ceased to work. I have reset the alert several times and have gone through trouble shooting steps with Citibank customer service representatives, but the alert when my card is used will no longer function. I consider that alert extremely important and Citibank, acting incompetently, does absolutely nothing to fix their technical issues leaving my account very vulnerable.

Yet another issue I have with my Shel gas card issued by Citibank is trying to reach customer service via telephone. When I call the number on the back of my card, I am asked for my credit card number to pass their phone verification system. If the number is not entered or entered incorrectly, Citibank aborts the call. The problem is that the number on the front of my card will *NEVER* pass the phone verification system. Citibank customer service representatives have stated that my account number os not really the number embossed on my card and I am expected to remember a different account number so that I can call Citibank. This is the most idiotic concept ever invented. When I need to reach Citibank for an urgent matter, I can not rely on the information on my credit card and must remember yet another account number at all times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a bankruptcy on my credit report. I asked Equifax to properly verify this information. I requested that the description of the procedure used to determine the accuracy and completeness of the information be properly verified.. That is, please providing the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my name. 
Equifax responded by using a third party for profit company called XXXX to claim that is how they verified the information. That is NOT what I asked of Equifax. 
Equifax needs to properly verify this information by providing the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXX : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

On XXXX paid ccs in full for removal. XXXX has removed it XXXX has removed XXXX has not it has been disputed many of many times in XXXX XXXX has not looked into dispute because it would have been removed
Product: Credit card

Subject : Citi Bank Fraudulent Charges, Unfair Credit Limit Reduction & Negative Credit Reporting I am filing a formal complaint against CitiCards CBNA due to an unresolved billing error, unfair credit limit reduction, and negative reporting to all three credit bureaus, which have severely impacted my financial standing. 

On XX/XX/XXXX or XXXX, 2024, I made a payment of {$100.00}, but I did not type or authorize a charge of {$10000.00}. On XX/XX/year>, my bank was charged this amount. I disputed the charge immediately on the morning of XX/XX/XXXX, suspecting it could be a glitch in Citis system, an issue with my XXXX, or potential hacking. After disputing, a Citi representative assured me that the {$10000.00} would be refunded to my account within 3 to 5 business days. However, the issue was not resolved. 

Despite my efforts to dispute this charge, Citi charged my bank account again the same amount of {$10000.00} on XX/XX/XXXX and XX/XX/year>. At this point, I was forced to deal with my bank to resolve the repeated charges. In addition, my credit limit was unfairly reduced to {$500.00} during the claim investigation, even though my account balance was over {$10000.00}. 

I contacted CitiBank multiple times during this period, speaking with customer service representatives, supervisors, and managers. I repeatedly requested that my account be reinstated, but customer service advised me twice to request a credit increase, which did not resolve the issue. 

I also reached out to Citi through their official XXXX page, explaining everything, but as of today, no resolution has been provided. 

Citi then demanded that I pay the full balance of {$10000.00} to reinstate my account. When I explained that I could not afford to do so due to my husbands XXXX XXXX XXXXXXXX, Citi refused to help and instead forced me into a payment plan of {$360.00} per month. I was told my account would stay as it is, with a {$500.00} credit limit and a {$10000.00} balance. How big banks like Citi dont care for customers like me who pay high interest rates without question, and in the end, when they make a mistake, they simply say it will stay as it is, showing a complete disregard for the damage to my credit and financial well-being. 

Furthermore, I have never had a missed payment in my entire credit history, and this situation has unfairly harmed my reputation and credit standing. 

As a result of Citis errors and refusal to fix their mistake, my credit utilization has been reported as over 2000 %, causing my credit score to drop significantly on XXXX, XXXX, and XXXX. Citi has not offered any resolution despite multiple calls and escalations to supervisors and managers. 

This ongoing issue has caused me significant XXXX, emotional distress, and financial hardship due to Citis negligence and unfair practices.
Product: Debt collection

Pro Collect Inc XX/XX/2016 This creditor I do not know. I see a balance they are trying to collect for the original creditor of XXXX XXXX  and sure deposit. I have called this creditor and wrote them several times about this debt. They have not provided any validation to me regarding the debt and the was a court order for only {$850.00} to XXXX. The was a security deposit taken towards this. Yet, they have still not correctly reported this debt. They tried to collect on rent after locking me out of my property after I provided a 30day notice that I would be moving. They then placed the balance of months of the lease as a amount owed and attempted to collect it. I do not know how I owe the sure deposit anything. So i am not sure why they are also trying to collect this in addition to the rent. But this aggressive collections attempts need to stop. Or a formal court hearing needs to be filed. Both accounts are related to same facility and are not separate accounts.
Product: Debt collection

On or around XX/XX/2021 an attempt was made to communicate with Santander Consumer in regards to a litigation matter that will deemed relief for an account in my name. Santander has been unresponsive which has lead me to submit a complaint through CFPB about this matter. Attached along with this complaint is a letter with further details indicating my eligibility as a consumer in this lawsuit.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 


Account Name : XXXX # XXXX - Date Opened XXXX Account Name : XXXX # XXXX - Date Opened XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF VETERANS AFFAIRS DEPT OF VETERANS AFFAIRS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX account XXXX XXXX, XXXX  account # XXXX 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: Vehicle loan or lease

Capital One bank approved me for a car loan after receiving my application/promissory note. I can not get any information or access to my approved funds that came from my promissory note they monetized into a sub account for the amount of $ XXXX for a Infinite vehicle. I spoke to a rep and a XXXX at Capital One Vehicle Fininace dept. I was told i could not be given any information about my account. I am the beneficial owner and holder of the securities. Pursuant to 15 USC 1602, I, XXXX XXXX XXXX the living person flesh and blood am the original creditor. 12 USC 1431 makes it clear what the banks powers and duties are. I was denied access to my securities and it is considered security fraud. I would like to resolve the issue of the parties involved withholding access to my securities. The parties involved are violating the Credit Comsumer Protection Act. As the issuer, holder in due course and beneficiary of this consumer credit transaction I am being caused harm by the malfeasance of the dealer and banks.I should benefit in this credit consumer transaction that I initiated by extending access to my Ces Qui Vie Trust ( my estate ) by giving my social security number from my social security credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$91.00} XXXX XXXX  XXXX {$92.00} XXXX XXXX XXXX {$2300.00} XXXX   XXXX {$530.00} XXXX XXXX {$100.00} XXXX   XXXX XXXX {$650.00} EQUFAX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX {$23000.00} XXXX   XXXX {$530.00} DEPTEDXXXX XXXX {$1000.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX {$2300.00}
Product: Debt collection

Within the last week a collection was reported to all 3 credit bureaus from debt collection company Credit Control Corporation. The original creditor reported is XXXX communications in the amount of {$100.00}. I have not ever had an account with this company. I have disputed the collection, and both the company and collection agency are claiming the debt is accurate. I have filed a report of identity theft reference number XXXX because this account was created without my knowledge or consent. XXXX should be held responsible for creating an account with stolen information and for reporting it on my credit report. Credit control should be responsible for reporting false and inaccurate information as well.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to express my ongoing concerns regarding the {$1000.00} loan I took out in XX/XX/year>. Despite multiple attempts to resolve this issue, I have yet to receive a satisfactory resolution. 

I have made several calls to your office at XXXX, located at XXXX XXXX XXXX, XXXX, TX XXXX, and have paid {$2700.00} in interest due to my inability to make the balloon payment. The loan has been refinanced twice. In XXXX, I contacted the corporate office and spoke with XXXX, who assured me that the account would be settled due to my hXXXX XXXX XXXX XXXX and a XXXX XXXX  Unfortunately, this settlement was not processed, and only one month of interest was waived. 

I have repeatedly tried to contact the store located at XXXX XXXX XXXX, XXXX, TX XXXX, to speak with management. However, the location has had numerous temporary employees, and I have been unable to obtain any information about the account, including a printout of the total amount of interest paid. The name " XXXX '' has been mentioned as a manager, but I have not been able to confirm this or get any actionable information. The store is often empty, and the only person available is a receptionist who has to make phone calls to seek answers. 

Additionally, I am concerned that I was asked to email mXXXX XXXX XXXX XXXX XXXX XXXX which I believe is a violation of HIPAA regulations. I have not received any settlement offer, only a waiver of one months interest. 

Due to my recent hospitalization and current leave, I am faced with the difficult decision of either repairing my vehicle or paying off the loan, but I am unable to do both. Following a conversation with XXXX at XXXX XXXX XXXX, she advised me to turn in the car. 

I visited your office today to proceed with this request, but XXXX was unsure of the exact process. She contacted XXXX, who provided me with a word document stating that I am surrendering my vehicle and instructed me to return the keys. 

Given these circumstances, I urgently need : Clarification on Proper Protocol : Guidance from management or corporate on the correct procedure for surrendering the vehicle and what steps follow this process. 

Resolution of Settlement Offer : An update on the settlement offer or resolution promised, especially in light of the personal patient information I provided for this purpose. 

I would appreciate prompt assistance to ensure that I am compliant with the necessary procedures and that this matter is resolved efficiently. 

I am urgently requesting a call from an area manager and a detailed printout of all payments made since XX/XX/year>. Your prompt attention to this matter is crucial for resolving this ongoing issue. 

Thank you for your immediate assistance.