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

I have disputed the account listed below with all three credit reporting agencies and they said they did an investigation and verified the information first hand. This was a complete lie because all of the information is different and this may not even be my account. They are violating my rights and I am trying to prevent bringing legal actions upon them and that 's why I 'm reaching out to you. The investigation was n't done properly nor did they send me and information like an original contract that says I signed up for this account. The disputes were sent out in XXXX, XXXX, & XXXX notarized & certified and I keep getting that they are verified. I have disputed this information multiple times and sent the following email attached to the creditor.
Product: Credit card or prepaid card

Citibank. Fraudulent charge to my credit card account on XX/XX/XXXX for {$24000.00}. I discovered and reported the fraud to Citibank on XX/XX/XXXX, and Citibank agreed to reverse the charge, but never did. Citibank withdrew the {$24000.00} from my bank account without authorization on XX/XX/XXXX. I called twice to have the amounts refunded, but Citibank did not process the refund. My bank finally reversed the charge, then Citibank charged me {$27.00} for the reversal of their error. It is now XXXX, and Citibank still has not reversed the fraudulent charge, which continues to drastically affect my credit score and undermine my ability to get a home loan. I called and spoke with XXXX with  Citibank on XX/XX/XXXX and she gave the same line as every other time, that they are processing it and it is awaiting management approval, which means they will do nothing about it again, and I can expect them to try to withdraw the funds from my bank without authorization again. I have spent at least five hours trying to work with Citibank to get this resolved, but they continue to refuse to reverse the fraudulent charge from my account. XXXX XXXX with Citibank 's executive office responded to my last CFPB complaint, but has not fixed this issue and has not returned my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been filing disputes with XXXX  for over a year regarding discrepancies and fraud on my account. XXXX  started using stall tactics by sending me letters stating my identity had not been properly identified, even though a copy of my driver 's license and social security card was enclosed with my dispute ( s ).

Once I began noting the FCRA violations in my disputes, they changed the names of the creditors unbeknownst to me. I found these changes  on the XXXX. 

Once I resubmitted my amended dispute, my access to the reports on XXXX became thwarted by erroneous messages of failed identity verification.

XXXX  has also violated their authorization to bill my credit card for monthly subscription fees by charging me twice in less than a 24 day period. All the while denying me access to my account. Due to the
gross abuse and neglect in this matter, I wish to file federal complaints beginning with violations of Sections 616 & 617. Please advise.
Product: Credit reporting or other personal consumer reports

I received an alert from my monthly credit reporting from XXXX for late payment for my vehicle loan despite my payments being made by the due date however it posted days later once the monies were received. I have no control over how the banks transfer monies and when the accounts are updated. 

This caused a XXXX point drop with my credit score from Experian, a XXXX point drop in my score with XXXX, and a XXXX point drop in my score from XXXX. 

Experian, and XXXX have my account as 30 days past due and XXXX has me at 60 days past due which my account is not. 

My credit scores were XXXX with XXXX, XXXX XXXX, XXXX Experian, before the erroneous reporting. Under 15 U.S.C. 1681 which allows remedies for reporting erroneous information.
Product: Debt collection

The consumer financial protection bureau claims their on My side but these XXXX XXXX active depot XXXX are harassing me and no one is doing XXXX about it. Man XXXX so XXXX tired of this XXXX you guys are all law breakers and are getting away with but not for long because I will take this matter to the full extent. This XXXX XXXX XXXX scamming company Best Buy and Citibank revived my cease and desist and pretend like it never existed. I the consumer, the natural person has done everything in my power to handle this XXXX situation but these scammers continue to scam with no regards. District court is the next step Im tiered of all your guys bull shot if this matter isnt handled then it is evident the CFPB IS WORKING WITH THESES FINANCIAL INSTITUTIONS TO UNDERMINE THE CONSUMER IN THE BIGGEST CIRCLE OF SCAMS IN AMERICA. Conspiracy against rights 18 usc 241 look at the punishments for these acts and keep playing XXXX. I cant wait to get remedy for the fraud you guys are committing. This game is over
Product: Checking or savings account

My boyfriend and I have a joint account through Citibank and we have had this account since XX/XX/2023. As of XX/XX/2023, we were blocked from our online portal access and we now have XXXX access to our funds. We called the Citibank support line & were told by a representative that our account was being sent for closure, with no reason available to be given, and the money in our account would be sent in the form of a check in XXXX days. We informed her that there was no reason to close our account and we had confirmed all deposit questions she had, which were from our employers. We since then have had no access to any of our funds and have had reps hang up on us because they said we will receive a letter in the mail in XXXX days. We also do not have access to our online portal so we can not even see our recent deposits or transactions to confirm with the representatives. We asked to be transferred to a supervisor to resolve this issue, which we were denied. We have contact the Citibank XXXX XXXX unit and were given a case number & told to wait 15 days for an analyst to reach out to us. We arent even sure what information to provide because they will not tell us the reason for closure. No one will help us.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the unresolved inaccuracies on my credit report. Despite multiple requests for a thorough investigation of these disputed accounts, no corrective action has been taken, and the errors continue to harm my credit file. These inaccuracies are causing significant personal and financial hardship.

I kindly request that you conduct an immediate and comprehensive investigation into the disputed accounts. It is crucial that my credit report is updated and corrected without further delay to restore its accuracy and integrity. I trust you will treat this matter with the urgency it deserves.

Thank you for your prompt attention and assistance in resolving this issue.
Product: Checking or savings account

On XX/XX/XXXX I had recieve a notification from my bam saying that my account is locked. For absolutely no reason I went & try to log in on my online bank account but it didnt let me log in it says the system is not working please try again i have been calling my bank representatives was not giving me any good reason why my account was locked I have been calling for almost XXXX times a day I dont get no response and they hang up because they said they cant verify me, like I really dont understand how they cant certify me. I had provided them all the info they had asked me and I had also give them my card but they said I have to wait XX/XX/48 hours they always tell me this whenever I call they have my money literally Im going through it Ive been crying for days after days I might get kicked out my apartment next week because I didnt pay for XXXX apartment for this month on XX/XX/XXXX and I have the money already but is in my bank account and my bank just used they power on me and closed my account for absolutely no reason I have been starving here for the XXXX asking my XXXX XXXX XXXX sister to borrow me money and all she borrow me is XXXX dollars Im a grow men going through all this like they have me really frustrated I swear I need my funds back from my bank they using me im FRUSTRATED!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit  Bureaus. XXXX XXXX XXXX is still reporting on XXXX, Experian, and XXXX credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX XXXX XXXX requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX XXXX XXXX to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #
Product: Credit card or prepaid card

I had a XXXX XXXX, XXXX, and total visa card. Where I didn't make enough money at the time to pay the cards by my payment deadline and was going through financial hardships and lack of financial education. All the cards went to collections, which I paid off the XXXX XXXX and total visa cards. I set up another payment plan for the XXXX XXXX  which I am currently making payments on.
Product: Credit reporting, credit repair services, or other personal consumer reports

i submitted a dispute to Experian due to inaccurate information being reported on my credit report instead of deleting the inaccurate information being reported they deleted accounts other than what i disputed
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the bankruptcy information reported on my credit report. According to my records, the state court responsible for handling my bankruptcy case did not provide my information to be reported to your agency. As such, I believe this information has been included on my credit report in error. 
Details of the disputed item are as follows : Filing Date : XXXX XXXXourt Name : XXXX XXXX XXXX, XXXX GA This inaccurate reporting is causing significant harm to my creditworthiness, and I kindly request that you investigate this matter promptly. Please verify this information directly with the court listed above and remove the bankruptcy entry from my credit report if it can not be substantiated.
Product: Debt collection

Associated Credit Service has placed a negative remark on my credit report on behalf of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX is a utilities company in the state of New Jersey. The remark states that the account was opened in XX/XX/XXXX. I have not resided in the state of New Jersey since XX/XX/XXXX. I have not authorized anyone to open an account in my name. This was either opened fraudulently, or assigned to me incorrectly. I have disputed this with credit reporting agencies and have contacted the company but have not been able to remove this remark from my credit report.
Product: Debt collection

I was staying at XXXX XXXX XXXX for about XXXX years. I always paid my rent & was never late. XXXX XXXX I had a friend visiting for a week, unfortunately he was kill right in front of the leasing office. I couldnt live there anymore I immediately moved in with my mother in XXXX. My mom talked to XXXX who was the XXXX at the time she explained everything was okay & she would get me approved out of my lease due to the death. My mom had me sign a paper that XXXX provided and my mom had all of my belongs moved out the same month.my rent was paid up to date & keys was left there. XXXX years later I try to move on my own again & I am being denied due to eviction. I was never evicted nor ever severed paper of eviction. I reached out to new management there are not trying to help at all. I now have a debt XXXX due to miscommunication and wrongful eviction
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been having this same problem since XX/XX/XXXX XXXX XXXX with capital one and I am furious that I have been calling and emailing and sending out letters for months with no help. I reached out and they reached back out and said they will solve my problem. Someone used my information on that day and its an application inquire on my report. I will appreciate it if they take that fraud information off of my credit report now. It has been way longer than 90 days! I should not have that on my report.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission.

Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit.

Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Debt collection

Turned off XXXX cable/wifi internet XXXX XXXX by physically going into the XXXX XXXX va XXXX XXXX spoke to the worker and turned in a XXXX XXXXXXXX and a XXXX XXXX package in a big cardboard box. Approximately a week later an XXXX worker came to the pole at my home and inserted a lock/filter at the cable line. Started receiving bills in XXXX, XXXX for XXXX called them to fix the issue which they did and now im being mailed a collection bill from southwest credit systems to recover XXXX for cable /wifi i did not receive and had disconnected XXXX XXXX is a cancellation email that they even went so far as to back date it to XXXX XXXX and this email was sent on XXXX XXXXSo while the local store cancelled it and came out and turned it off at the pole and receieved there equipment they did not communicate it with there head corporation is what I was told and that I should have called in to there XXXX number to cancel so they try to retain me for a cheaper price and I have confirmed this is a tactic they use from a former employee who does this very job at XXXX
Product: Credit card or prepaid card

On XXXX XXXX, XXXX I purchased 12 US Bank {$500.00} XXXX gift cards from several XXXX stores for a total of 12x {$500.00} ( {$6000.00} ). My intention was to pay for water damage repairs at my daughter 's condo. This was because the repair company allowed payment by debit card for no fee, and I would get the benefit of the credit card points. 

In order to use the cards online, I needed to register my name and address for each one via a dialup process, which I proceeded to do. The first 10 cards had no problem. The last two cards caused the calls to divert to a call center line with long wait times on hold.

I called this line twice in succeeding days. The first time I was on hold for 40 minutes, and the person who finally answered, after I gave him the gift card number, suggested that I just call the # on the back of the card. Since this was the number that I had just called, I said that made no sense. But he was unwilling to help in any way.

I called again two days later with the same long hold time. A woman answered, and after I gave her the card #, was willing to contact a " specialist ''. After a further hold time of several minutes, she said to call back in 2 business days. She was unwilling to take any action on my second card, even after I complained about the long hold times. The total time for this call was 1:19. After waiting several more days, I tried again today and got the same call center hold.

It is not possible to access any info on these cards via the website www.prepaidgiftbalance.com The numbers on the two gift cards are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both with XX/XX/XXXX expiration dates I will attach PDF files from the XXXX XXXX website showing my purchases at XXXX on XX/XX/XXXX. 10 cards on my XXXX  card and 2 on my XXXX XXXX card.
Product: Bank account or service

On XXXX XXXX, 2016, I opened a Citigold checking account with a promotion code I had received, namely, promotion XXXX. The promotion promised an award of XXXX XXXX XXXX AAdvantage ( R ) miles upon completion of {$1000.00} in qualifying debit card purchases and XXXX ( XXXX ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. 
After completing the requirements, on XXXX XXXX, 2016 I messaged Citibank via their online secure messaging system to confirm that I was enrolled in the promotion and had met the requirements. Citibank confirmed that the requirements had been met and that I should receive my XXXX AAdvantage miles by the end of XXXX 2016. A copy of this communication from Citibank confirming enrollment in the promotion and completion of the requirements is attached. 
As of the date of this complaint, my AAdvantage miles have still not been rewarded, despite them having been promised by the end of XXXX 2016. I note that the terms and condition of the offer state that " The AAdvantage ( R ) bonus miles will be credited by Citibank to your AAdvantage ( R ) account within 90 calendar days from the date when you completed all offer requirements. '' Under the terms and conditions of the promotion, I am eligible for the promotion : I am a Citi ( R ) / AAdvantage ( R ) credit cardmember who received the promotion, I am over XXXX years of age, and I had never before held a consumer checking account with Citibank. I am also attaching XXXX additional online chats I had with Citi inquiring into my missing bonus and Citibank 's response stating I would not be receiving my missing bonus.
Product: Payday loan, title loan, or personal loan

I took out a loan for XXXX dollars with spotloan. Then I had lost my job and I contacted them and told them this. They basically told me there's nothing I can do for stopping all the interest on my missed payments. Now I am almost at XXXX I owe them and I am still not working for to a medical issue. And I need help I am never going to be able to catch up now with all this interest every single month.
Product: Money transfer, virtual currency, or money service

On XXXX  XX/XX/XXXX I submitted information to Trade Station to wire {$42000.00} from my IRA account. It was to be sent to my local bank 's XXXX XXXX IRA account. On XXXX XXXXXX/XX/XXXX I checked to see if it was in my XXXX Acct. it was not. I then called Trade Station to notify them. They said it should take XXXX hours. That brought us to last weekend, I kept checking my XXXX account and nothing had been received I ran up to XXXX on XXXX and asked XXXX of the representatives if the money should be in. She told me yes it should be in by then. I then asked what I could do on my end. She said to contact sender to put a tracer on it. On XXXX morning XX/XX/XXXX I called Trade Station and said I wanted them to run a tracer they said they didn't do that it was the receivers issue. I then insisted they give me the tracking info so I could take it to XXXX for tracing. By XXXX on XXXX I received an encrypted email from Trade Station with the info. Took it up to XXXX and they gave info to their wiring department. On XXXX, XX/XX/XXXX spoke to XXXX Bank representative who said the bank never received the wire. So on XXXX XXXXXX/XX/XXXX I contacted Trade Station to see what could be done. They said they would put a recall in but said it could take a week and they couldn't promise anything. They have not been helpful and from doing research I have decided to reach out for help before I lose my IRA Account. I am a XXXX XXXX XXXX XXXX and need this as I rely on this IRA and my Social Security for income. Attached is the wiring instructions we gave to Trade Station from XXXX Bank.