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

I am writing to file a formal complaint regarding my recent experience with Citi Bank, which has left me deeply concerned about my Citi Savings Account and the potential closure of all my Citi accounts. 

On XX/XX/XXXX, I opened a Citi Savings Account with the intention of using it as a joint savings account, shared with my significant other. I transferred {$300.00} from my paycheck into this account on XX/XX/XXXX. However, I soon discovered that it was not possible to add a joint account holder to this specific account. Consequently, on XX/XX/XXXX, I transferred the funds to a joint account. 

To my surprise, approximately a week later, I received a letter from Citi, stating that I had violated the terms of my Citi Savings Account and that all my Citi accounts would be closed within 60 days. In response to this notification, I immediately contacted Citi 's customer service and spoke with three different agents. Despite providing my account number, social security number, and card information, I was informed that my identity could not be verified due to an issue with my phone number not being on my account. I have been a Citi member since XX/XX/XXXX, and I have received verification codes via text messages in the past, which only adds to the confusion. 

The agents I spoke to advised me to await a letter with a reference number in the mail, which was supposed to help resolve this issue. Regrettably, it has been nearly two weeks, and I have not received any such letter, leaving me in a state of uncertainty and frustration. 

I would like to emphasize that the delay in receiving the reference number has created a pressing issue for me. My Citi credit card bill is approaching its due date, and I am currently unable to access my Citi account to make the necessary payment. This situation has put me in a difficult bind, and I urgently need intervention to resolve this matter. 

I kindly request your immediate attention and assistance in addressing this issue with Citi Bank. My goal is to maintain my relationship with the bank and find a solution that allows me to keep my Citi accounts. Your prompt and thorough consideration of this complaint is greatly appreciated. 

Thank you, Citi XXXX XXXX : XXXX
Product: Credit reporting

On XXXX XXXX, XX/XX/2014 XXXX XXXX began reporting a debt in the amount of XXXX for XXXX XXXX XXXX. I disputed the information and XXXX nor XXXX XXXX XXXX was able to verify the information as belonging to me. I thought I was done with this but they began reporting the debt again at the end of last year. Today XXXX XXXX, I asked Equifax why I was not notified of the reinsertion and the representative told me that Equifax did not have to notify me of the reinsertion. That it was the XXXX XXXX responsibility to do that it would overwhelm Equifax if they had to notify someone every time information was reinserted. I told her about FCRA 611 specificallyIf any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
XXXX XXXX XXXX ADDITIONAL INFORMATION. -- As part of, or in addition to, the notice under clause ( XXXX ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion -- ( XXXX ) a statement that the disputed information has been reinserted ; XXXX XXXX ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and XXXX XXXX XXXX a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 
( C ) PROCEDURES TO PREVENT REAPPEARANCE. -- A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( XXXX ). 

The representative explained that she does n't know anything about the law and that she can give me the address to the Legal Department. I asked to speak with a supervisor and the supervisor said all I could do is re-dispute the information. The information should have never been reinserted anyway. These has allowed the creditor to phish and look for information as if it actually belonged to me and just add it in a different manner to report it on my credit report. I want this collection removed from credit report. I have had this to several times concerning debts and information with Equifax. The information was deleted and I should 've received notice from Equifax concerning the reinsertion. In addition to complaining about the reinsertions I 'm not receiving results of completed investigations. The system says it has been mailed to me but no results have been mailed to me and the representative said they would be sent today.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide writte
n notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.

Please update my credit report as per law abiding accuracy of data.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccuracies on my credit report regarding a fraudulent address ( XXXX XXXX XXXX, XXXX, Va ) and a fraudulent XXXX XXXX account number : XXXX. Experian has failed to delete these inaccuracies. I have proof XXXX  XXXX that this a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX Equifax reports a hard inquiry from XXXX XXXX. This is unauthorized. I have not sought out credit or even been to a XXXX store. I am very concerned about possible identity theft and will check into freezing my credit. I want this inquiry removed as it has lowered my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the agency regarding the information and no actions were taken. 

In accordance with the Fair Credit Reporting Act Professional/ Debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida, The general Insurance, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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

I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion and viewing my XXXX XXXX report, I learned that I was not able to get the apartment due to multiple accounts that are not mine. XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, Unknown Acct # XXXX, Unknown Acct # XXXX Unknown Acct # XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
I also noticed that these Student Loan Accounts were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : XXXX XXXX XXXX Acct # XXXX, DEPT OF EDUCATION/XXXX Acct # XXXX, XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX. These items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report.
Product: Credit reporting or other personal consumer reports

I can not see my credit report with this company. I called and they are saying that there is no credit account for me when there is. I have been having a problem for over a tear and still no resolution. They continue to states that a supervisor will call me back and never anything. There is a company that I have no knowledge of that appears to be reporting on my credit and I get notifications.
Product: Consumer Loan

I paid my car off XXXX XXXX with an overpayment of {$600.00}. Westlake financial services is refusing to send me the overpayment check. I have called and asked for it to be expedited and I am not getting any resolution at all. One manager XXXX XXXX said it would be done but the check was never sent. No where in there contract states there is a 22 business day waiting period for overpayments on payoffs.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am filing a complaint because my rights under the Fair Credit Reporting Act have been violated by Equifax. In XXXX of XXXX, I identified multiple inaccuracies on my credit report and disputed them immediately. I found multiple mistakes on payment dates, the number of days late on payments, dates of first delinquency, and account numbers. I printed out the report and circled all of the inaccuracies and sent them in with my dispute letters. Per the FCRA, the bureau must conduct a proper investigation, which includes contacting the data furnisher directly to obtain specific documents, such as the signed original instrument of indebtedness, that verify the accounts belong to me. I do not believe a proper investigation was conducted. Any human who examined those documents would have clearly seen these inaccuracies that I pointed out and either corrected them or deleted the accounts in their entirety. This was not done. I believe that Equifax scanned my personal financial information through a third-party system called e-Oscar without my consent. This violates my right to a proper investigation of my disputes. Equifax has failed to produce a single document proving that the disputed items are being properly reported on my consumer file. Most egregious of all, Equifax is aware that they only have 30 days to conduct an investigation and respond to a dispute. If they fail to do this in 30 days, they must delete the disputed items from the consumers credit report. Equifax failed to respond within that time frame on two separate occasions, but they refused to follow the law and delete the disputed items. I have been fighting them for over two years to correct these violations, but Equifax has outright refused to follow the law. It has been so long that many of the accounts that I disputed have now reached both the federal and state statute of limitations, yet Equifax still refuses to follow the law and remove them. This caused me to be denied for a home and for lines of credit, leading to direct financial damages and permanent defamation of my character. I have done my due diligence and made sure that Equifax was made aware of their violations of the law and was given a chance to fix them. I have amassed sufficient evidence to prove my claims and will attach some of it to this complaint. At this point, after all these years, If Equifax does not remove the disputed items from my credit report, I will have no choice but to take legal action to resolve my grievances. So, two and a half years later, I am looking forward to taking you to court and finally putting an end to this nonsense. The paperwork has already been pulled, I have consulted with counsel, and our demand letter has been drafted. This is the final chance to avoid litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to correct this issue over the past few years. I last spoke with Experian and XXXX on XX/XX/2023 regarding a charge off account with XXXX in the amount of {$0.00} I have been informed by this company to contact Experian and XXXX regarding this issue XXXX There has not been any resolve and this account is not accurately being verified as well as being reported incorrectly. Also, my personal information was not correct when I called to discuss this account. The credit bureaus corrected my person information, but did not remove this account. This account is also reporting as a collection on my Experian report, so the same account is reporting twice. The name of the collection company is XXXX XXXX XXXX and the collection amount is {$3200.00} I would have had to give consent to the company to sell this account to a collection agency. I have not given any consent to do so as this account does not belong to me. This is not factual information that is reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Experian XX/XX/20 XXXX XXXX  CST, and spoke with a representative in which asked questions about why a closed account consistently reporting late and showing an increased past due balance. The representative advised the account was currently under investigation, and I will receive an update within 30 days. I received an email alert stating the dispute is now open on XX/XX/20. A couple of hours later I received an alert stating the dispute was completed, and another alert stating an update on the dispute. After checking the before dispute in comparison to the after dispute ; the account was updated as verified and balance increased by {$1.00}. How can a dispute be verified, updated, and balance increased by {$1.00} in the same day? According to Experian ; In most cases, disputes are completed within 10-14 business days and quite often within two to three days. Results were provided within hours without any method of verification. In this case, the representative had the ability to change the amount by {$1.00} upon what authority, or legal aspect?
Product: Debt collection

This says it's a medical payment data from Wakefield and Associates. I currently do not have any medical bills owed. I want this taken off my credit report ASAP!!. This looks like it's from XXXX and XXXX. This account open in XX/XX/XXXX. I am a disputing this account ASAP I want this taken off now. Also nothing was sent over to me from these two bureaus. 

XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Thank you, XXXX XXXX
Product: Debt collection

This company have a collection on my credit report that is not mine and they refused to remove it and delete it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FairCredit Reporting Act Capitol One has Violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B- A creditor may not treat a payment on a credit card account under an open end consumer credit plan for any purpose.

15 USC 1681A ( 2 ) ( I ) reporting containing solely as to transactions or experiences between consumers and the person making the report
Product: Credit card or prepaid card

XX/XX/2022 : I received a debit card on XX/XX/2022 that I did not apply for. I attempted to call the Netspend customer service number and was unable to talk to a representative during a 30 minute wait time. I called 5 times with waits of over 15 minutes, and still to no avail. There is no fraud number available to reference to in the caller menu, as I was attempting to report this account as fraudulent.
Product: Debt collection

I am filing this dispute against XXXX XXXX/Resurgent for unfair and inaccurate credit reporting. The collection was removed from my credit report XX/XX/2016 and the re-added without any form of notice. Under the Fair Credit Reporting 15 U.S.C. 1681g Act I demanded disclosure of the documents that were recorded and retained. I have sent XXXX XXXX XXXX, XXXX, XXXX, and XXXX multiple letters to verify and validate the debt as mine. I have not received documentation or verifiable proof from XXXX XXXX XXXX, XXXX, or XXXX. XXXX removed the debt as it could not be validated. If XXXX could not validate the debt how are XXXX  and XXXX? Where are the documents to show proof that I had a contract with XXXX XXXX XXXX? I am requesting if you do not have any documentation in your files to verify the accuracy of these disputed accounts and proof that they have authorization to collect debt, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Failure to provide me with  verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you can not properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 XXXXXXXXXXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX