23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Despite reporting multiple fraudulent balance transfers and purchases, I have received no direct communication from Citi 's fraud department and have encountered inconsistent and contradictory information from various representatives. 

I first reported the fraudulent activities around the end of XXXX and again in XXXX. Since then, I have had to initiate multiple calls to Citi to address these issues. I was informed that the fraud department would reach out to me if they had any questions or updates regarding the investigation. However, I have not received a single call from your department. When I contacted the fraud department today, they mentioned they had questions that needed answers to continue the investigation. Why was I not contacted earlier, as promised? Instead, I had to call in, and then, frustratingly, I was hung up on. 

During the call, I was asked, " Do you know what bank the checks were cashed at? '' This question puzzled me, as I did not cash these checks, and I would expect Citi to have access to images of the checks. Additionally, customer service claimed today that the fraudulent balance transfers were not included in my fraud report. This is incorrect, as I have discussed these transfers with multiple representatives from the fraud department, all of whom acknowledged my reporting of these fraudulent activities.

I understand that these investigations can take time, but the lack of communication is unacceptable and anxiety-inducing. A simple update on the investigation 's status or an estimated timeframe for a resolution would go a long way in alleviating my concerns.

Moreover, the conduct of the fraud department has been unprofessional and eerily similar to common scam tactics. I was asked for a security word over the phone and to share a code sent via text, despite the clear message stating, " We will not call or text you for this code. '' While I understand that I initiated the call, these practices are unsettling and raise red flags. The message should be more clear if they are actually opposed to scammers.

Lastly, I have repeatedly stated that I do not want any purchases or balance transfer requests to be allowed on this account. Given the circumstances, I would think Citi would prioritize preventing further fraudulent activity. Unfortunately, this experience has left me overwhelmed and stressed. Once this matter is resolved, I intend to pay off the balance I am responsible for and close my Citi account. They have refused to restrict Balance Transfers from taking place, as another one has now taken place on XX/XX/XXXX. The balance on my card is now {$3000.00} of which I have not initiated and this is causing immense frustration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote an letter months ago about the issue months ago and never heard back from company and they dont have an contact number.
Product: Mortgage

On XXXX XXXX I made my mortgage payment for {$970.00} to Village Capitol Investments through the CompanXXXX website. I was advise the next day by my bank ( XXXX XXXX XXXX XXXX Village Capitol XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ph # XXXX ) took another payment for the same amount causing over draft fees. I had my bank stop payment and they also waived all fees. A few days later I received a call from a Village Capitol XXXX name XXXX confirming the company had error, he said they would pay any fees and apologize. Now weeks after I received XXXX XXXX phone call I am getting collection letters with late fees and collection calls, when I call the company they tell me the bank stop 2 payments and now pass due. XXXX XXXX XXXX XXXX XXXX XXXX confirm only one payment stop and refer me to my bank statement date from XX/XX/2021 for prof of payment in the amount of {$970.00}. any help would be appreciated.
Product: Checking or savings account

PNC Bank closed my account and wouldnt tell me why. They also didnt give any heads up, as I didnt receive any emails or letters just that my balance was {$0.00}. They closed it and failed to provide any info, closed on Monday XX/XX/XXXX, today is XX/XX/XXXX still no answers or money from my accounts. 

PNC said they sent a check but could take up to 90 days ; I am with {$0.00} until then. They left my credit cards open with balances that I have no way to pay due to them closing my checking account and stating to not do business with me.
Product: Credit card or prepaid card

Pursuant to the FCRA, as a consumer, I would say accuracy is the measure of value ; value is something only a natural person or human being can measure. Fair to me means no one is taking unjust advantage of another. In summary, my thesis is when congress talks about accuracy and fairness, theyre asking me as a consumer to decide whether my consumer report is valuable to me ; and whether I feel like I am receiving a just advantage or no one is taking unjust advantage against me. I have reasons to convict Navy Federal Credit Union of taking unjust advantage against me on XX/XX/2021. The most important thing about the adverse action section in the Fair Credit Reporting Act is that it never mentions a denial of credit. It only mentions being denied for insurance or employment. Why doesnt it mention being denied for credit? The answer is in Truth In Lending Act. Let me explain. I know there was a finance charge involved in the transaction which is the sum of all charges. I can not be denied credit because I know that I have an open end credit plan, which I administered and extend/originate myself credit to make them a creditor to extend me my own credit. I am the consumer and only a natural person grant such rights. This is why adverse action does not mention being denied for credit because Congress knows the truth, financial institutions dont loan money because there hasnt been any in circulation since 1933.

According to 15 USC 1681m ( C ) ( ii ) ( I ) Information referred to in subparagraph ( A ) - does not include- information solely as transactions or experiences between the consumer and the person furnishing the information. They are found to be in violation labeled exhibit A. This is not a request, I am granted the right to credit under my open end credit plan which I am administering. I am giving my command to increase the credit limit on my XXXX card. 

Best regards
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiries I do not recognize are continued here. 
XXXX XXXX XXXX Balance : {$XXXX} XXXX XXXX XXXX Balance : {$XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$XXXX} XXXX  XXXX ( Original Creditor : XXXX XXXX  BANK ) XXXX Balance : {$XXXX} XXXX  XXXX Balance : {$XXXX} XXXX XXXX Balance : XXXX XXXX XXXX Balance : {XXXX XXXX XXXX Balance : {XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm terribly worried about the preciseness and validity of your recent investigation of these accounts that are on my credit report. About a month a I asked for an investigation because I felt the items were being reported illegitimately. Shortly after that I received a letter stating that your investigation was completed. Did you even read the previous letter? Please explain to me how you conducted your investigation! 

Please I need you to send me my complete credit report as required by the Fair Credit Reporting Act to my home address. 

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 Please validate the information reported, 1 ) The following account is reporting incorrect, inaccurate and imprecise information. 
Account name : XXXX XXXX Account XXXX Fraudulent balance : {$320.00} This account is the result of identity theft This account does not belong to me, I have never had any kind of business relationship with this company. 
Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-Oscar, or any other means of automated verification. 
This account is duplicated on my credit report, please remove from my credit report. 


2 ) The following account is reporting incorrect, inaccurate and imprecise information. 
Account name : XXXX XXXX XXXX Account number : XXXX Fraudulent balance : {$3900.00} This account is the result of identity theft This account does not belong to me, I have never had any kind of business relationship with this company. 
Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any XXXX, or any other means of automated verification. 

3 ) The following account is reporting incorrect, inaccurate and imprecise information. 
Account name : XXXX XXXX Account number : XXXX The status of this account should indicate paid as agreed. This account has been paid correctly and has never been in late payment. 
Please immediately remove these XXXX ( XX/XX/year> ), XXXX ( XX/XX/year> ) days delinquencies from my credit report as required by the Fair Credit Reporting Act. 
This account is reporting incorrect information as the correct balance is {$2800.00} Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any XXXX, or any other means of automated verification.
Product: Bank account or service

I had an account opened at XXXX without my knowledge. My identity was stolen several times by unknown persons. There have been several ID complaints files with FTC. So I had to file bankruptcy because of the theft. I contacted ChexSystems about accounts at XXXX to be removed from file an the refused to remove. These accounts were discharged in a chapter XXXX XXXX/XXXX/2013. They want remove because bankruptcy was filed before they were reported to them. Well quite natural the accounts were closed way before they got reported.
Product: Student loan

Great Lakes is my student loan servicer and my loan ( Dir Stafford Sub and Unsub ) is currently past due because they used unethical and illegal means of denying me access to the income driven repayment options available to me. Each time I tried to reapply/re-enroll in the income driven program that I was already enrolled in, their website would not allow me access to the different sites that I was sent to. When I called customer service about this issue, I was told I would be sent paperwork in regards to the matter but did n't receive the paperwork so I could remain on the income-driven repayment options. On the last day of eligibility, one of their representatives called me and asked was I still interested in being enrolled in the income-driven repayment option and I told the person 'yes ' but nothing happened and a few days later, I was no longer enrolled and then the late/non-payments started being applied to my account and then it went on my credit history with the credit bureaus as non-payments when I am still eligible for the income-driven repayment options, but they would n't fix the issues with the website or send me any paperwork to keep my eligibility. Each time I 've spoken with them when they call about receiving payment, but no one at Great Lakes has fixed this issue. I need help here.
Product: Student loan

Since XX/XX/XXXX monthly loan payments are not being correctly applied to the proper loan accounts. Service company has been contacted numerous times by both phone and mail without success. Incorrect credit reporting has resulted in denial of credit several times. 

A complaint was filed in XX/XX/XXXX ( XXXX ) and subsequent payments have been mailed to the special handling address provided by the service company. 

However, no change has resulted from using the special handling address, and the mis-application of payments and incorrect credit reporting has continued.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, at XXXX XXXX  I received a phone call from XXXX which is a Chase Service Department number. The man who called me advised me that my debit card had been hacked, for the fourth time this year. He knew all of my information, new and old address, email, phone number, and he even knew that I had just gotten a new debit card recently. He asked for my pin, which I gave because I have had to provide my pin to Chase many times in the past and thought this was protocol. He then sent me two confirmation numbers via text and requested I read them back to him to confirm my account. I later found out that those confirmation numbers were used to open a digital wallet with my debit card number, ( I did not give this person my debit card number, he found that out somehow himself ). As soon as I got off the phone with this supposed Chase employee, an ATM withdrawal from my Checking was made in Georgia. I then called that exact same number back, was on hold for an hour, was supposed to be transfered to a specialist and got disconnected. The next day I woke up to many charges made in Georgia, mind you I live in XXXX, OH. I spent approixmately 11 hours on hold, was disconnected many times, before finally a day later I was able to file a claim. No one from Chase instructed me how to lock my account and my account was never flagged even the charges were made one after the other. I ended up with - {$900.00} in my account. Chase reimbursed me a week later, only to reverse the reimbursements two weeks after that without notifying me that the claim had been finished and they decided to deny my claim. I ended up having to re open my claim 3 times, I provided them with as much information as I possibly could. I faxed over my phone log and text log to show that this person called me. Basically Chase determined that since this person had my pin, it was not fradulent and refuse to do any more. I would like this looked into and would like to be fully reimbursed so I can close my Chase account. This is the fourth time my account has been hacked, so clearly Chase has a severe security issue. Below are all the fradulent charges made : XX/XX/XXXX : ATM Withdrawal - {$100.00} XX/XX/XXXX : XXXX XXXX {$200.00} XX/XX/XXXX : XXXX XXXX {$180.00} XX/XX/XXXX : XXXX XXXX {$160.00} XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX {$39.00} XX/XX/XXXX : Online Transfer from Savings to Checking - {$340.00} XX/XX/XXXX : XXXX XXXX {$100.00} XX/XX/XXXX : XXXX XXXX {$100.00} XX/XX/XXXX : XXXX XXXX {$100.00} XX/XX/XXXX : XXXX XXXX {$100.00} XX/XX/XXXX : XXXX XXXX {$100.00} XX/XX/XXXX : XXXX XXXX {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND EQUIFAX, have both allowed a known violator of the Fair Credit Reporting act, i.e. XXXX XXXX XXXX, to place fraudulent collections on my credit reports thereby negatively impacting my credit score which has real world negative impact on my financial health which is intrinsic to my personal well being. 

Everyday that goes by with these fraudulent collections on my credit report is a violation of my rights, a crime against me initiated by XXXX XXXX XXXX and permitted by XXXX & EQUIFAX, who exercise no caution to determine if the alleged debt collection is indeed mine or even valid. 

To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Attention, you have illegally placed fraudulent information on my Credit Reports! You never contacted via mail or phone to attempt to determine if in fact this debt you have now fraudulently placed on my credit reports is mine! Im demanding that you immediately remove this fraudulent collection from my credit reports! Concerning the Alleged Creditor : XXXX XXXX XXXX XXXX, Alledged Creditor Account # XXXX -- -- -, Im acting in accordance with the Fair Debt Collection Practices Act ( 15 USC 1692g, Section 809b ) notifying you that your claim is Disputed and Validation is required! I am not requesting verification, rather I am requesting complete legal validation as per the referenced title and section of the law. Please provide me with the complete evidence you have stating that I am legally obligated to pay you. 

I request the following : Justification for the claimed amount, including invoices or receipts. 
Explanation of how you calculated the amount in question. 
Copies of any documents bearing my signature stating that I agreed to pay the claimed amount. 
The identity of the alleged original creditor. 
Proof that the alleged original creditor assigned the debt in question to you. 
Proof that the Statue of Limitations has not expired on this account. 
Proof that you are licensed to collect debt in the state of Georgia. 
Your licensed numbers and Registered Agent or Agent of Service. 

I will require 30 days to investigate any proof sent with this claim. During this time collection activity must cease and desist. If any action is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will instruct my legal consul to take relevant action against the guilty parties. You must immediately remove the collections you fraudulently placed on my credit reports until the such a time as the debt is proven valid. 

If I personally dont receive any response from you for VALIDATION of this account within 30 days, all references and claims to this account must be deleted from your files. 

Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I have a loan with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  The current status should not be showing late because I paid it on time. TransUnion Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. REPAIR THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX  XXXX Date Opened XXXX XX/XX/15 Balance : {$270000.00}, XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$21000.00}, XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$0.00}
Product: Student loan

I had student loans via Sallie Mae, and now Navient took over. I am a XXXX XXXX XXXX in a XXXX XXXX building where ALL XXXX  receive free lunch. I would hav qualified for all of my loans to be removed due to meeting all the qualifications for XXXX  Loan Forgiveness. I have never been a day late and they charge 8.25 % daily interest rate. I will have paid over {$500000.00} in the end for an {$85000.00} loan. This is CRIMINAL in my eyes and in the eyes of many! Due to Sallie Mae/Navient being a private lender I was informed on 3 occasions that I don't qualify for the forgiveness. They refuse to work with you to lower interest rate also.
Product: Debt collection

I am in the process of determining if I can XXXX my XXXX. I have a friend who will likely need a XXXX XXXX very soon and he is on the list at XXXX XXXX XXXX, and as a potential XXXX I was asked to take a lot of tests. I took those tests through XXXX XXXX at the beginning of the year and I forwarded the bills I received to XXXX. 

Later this year I received a letter from Credit Collection Services saying I owed an additional {$350.00}. I called and asked for a bill that provided proof of the actual expense ( which XXXX requires in order to pay ) and they said that the original bill from XXXX had been sent to an address. They read that address to me and then acknowledged that that is NOT the address they had listed for me ( i.e. it was not my address, or any previous address ). Still, I was sent to collections for a bill that I never received and that they know I didn't receive, and I was told that I was expected to pay it sight unseen. I requested a copy of the bill and was told that they would mail it to me hard copy because while I could pay online, they could not send me documentation online. 

When I called two weeks later after still not receiving the bill in the mail, I was told that the bill was in the mail, but that they had reported me to the credit agencies. So, now my credit is being impacted over a bill that was never sent to me, that I can not verify or dispute because I never received it. I spoke with Credit Collection Services again and all they would say is that I could fix the issue by paying them immediately over the phone, despite them knowing that at no point have I had the documentation to verify the charge.
Product: Credit card or prepaid card

I opened account 3yrs again and was late making payments back because I was laid off.But made arrangements with XXXX who was Supervisor at XXXX XXXX XXXX  and paid off balance with my tax refund in 2017 and paid balance of {$330.00} which was late fees added and XXXX supposed had closed my account but I found out years later my account was still open and sold to third party.My Identity was stolen and my account through my Credit Union was hacked during the end of 2017 I found this out through my Credit Union and all my accounts was frozen and I had to pay my bank back for the money someone put in my account and took out.Police couldn't do nothing because it was a Scam from fake US Treasury.My credit score has been damaged because of this and I spoke with the Third Party who brought my account and let them know I paid and sent the info to them from XXXX who was Supervisor at XXXX  XXXX who I paid for my account to be closed.The company stated I still have to pay them I told XXXX from that company I will not pay No more money when my account was supposed to be closed and the Fact I sent in proof to them and they trying to Scam me out of more money.