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

Hello, Citibank closed my checking account ( and that of my wife ) back in XXXX and we were told that they would send us a check for the account balance. Finally after almost 3 months, we received a check for each account but in total there was almost {$7000.00} missing from the payment. ( closing balance was {$25000.00} - amount received from the bank {$21000.00} ) My account was short by over {$4000.00} and my wife 's was short by about {$2500.00}. I immediately went to the branch to inform them of the shortage and they confirmed that the closing balance was in fact more than what was returned by Citibank. XXXX ( customer support manager ) asked for a few days to contact the bank 's internal team and that she would get back but despite a half-dozen visits and phone calls, they still have no information. 

I again visited the branch today and again they told me that they don't know why the discrepancy and that I should give them another couple of months! This is NOT a small amount of money to me and my family and now as a result of being without my money, I am late on almost all of my payments and have to pay interest on over $ XXXX in credit cards with a 29.9 % interest rate! PLEASE help me get to the bottom og this because i am not flirting with bankruptcy and can no longer afford my rent or kids ' school. 

I am in shock that a bank can be so callous as to what this is doing to my family and I simply do not have the resources to hire an attorney over something like this. I am BEGGING you to help me out because by life is slowly coming apart because of my financial situation. I recently also lost my job and this situation is ruining my family and our future. The citibank case number is : XXXX XXXX I have no idea where to turn but am praying that someone can help me fix this and begging the bank to do the right thing. You may contact me anytime at XXXX for additional information on this situation. 

Thanks in advance, XXXX XXXX XXXX XXXX Attached please find a copy of the check that was sent to me and the final statement showing a different amount than the check XXXX XXXX XXXX XXXX I am also including a photo of the check they sent to my wife which is also short as her balance was about {$6000.00}. Thank you so much for your help here because I am really in bad shape and the interest alone on my accounts is killing me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im curious why XXXX XXXX court system is in my experion report i though tgey needed a subpeana to do this?? they were in there 3 different time XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX i have a hearing comming up and fe3l as if something shadey is going on
Product: Credit reporting or other personal consumer reports

I have the following hard inquiries on my credit report that i never consented to or was even aware of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hunter Warfield, INC XXXX XXXX at XXXX {$6500.00}. 

I was under a lease at XXXX XXXX XXXX in XXXX, Texas. I have never lived in XXXX. I was XXXX at the time. I have disputed for the past 4 years No one can show me proof that I have lived there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXXXXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Dear Consumer Financial Protection Bureau, I hope this message finds you in good spirits. I am writing to request your assistance regarding a troubling situation I am currently facing with debt collection. 

Recently, I gave birth at XXXX XXXX XXXX XXXX XXXXXXXX. Prior to my hospitalization, I took the necessary steps to confirm that my health insurance with XXXX XXXX would cover all expenses related to my XXXX and delivery. Both XXXX XXXX and the hospital assured me of this coverage. However, several months after my childs birth, I received an unexpected bill from XXXX XXXX XXXX XXXX. 

Since receiving the bill, I have made multiple attempts to seek clarification directly from the hospital. Unfortunately, I have yet to receive a valid explanation regarding the charges. Each time I called, I was promised a callback, but that follow-up has not occurred. I have expressed my willingness to establish a payment plan to address the bill, as I am currently facing financial difficulties due to my recent childbirth and time away from work. Despite this, my inquiries have gone unanswered for an extended period. 

On XX/XX/year>, I received a call from a debt collection agency, TransWorld Systems XXXX XXXX, which is now handling this alleged debt from XXXX XXXX XXXX XXXX. During the call, I attempted to explain my situation to the representative. Unfortunately, she was uncooperative, refusing to acknowledge my right to dispute the debt within the legally mandated XXXX timeframe. Despite my requests to initiate a dispute with the hospital, my concerns were dismissed, and the representative was unreasonably rude and unsympathetic. 

Given this frustrating experience, I believe it is unjust for my childs account to be sent to a collection agency without proper communication or explanation from XXXX XXXX XXXX. I feel that I have been treated unfairly, and I am reaching out to your office for guidance on how to resolve this matter and protect my rights as a consumer. 

Thank you for your attention to this urgent issue. I look forward to your prompt response and assistance. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian and XXXX to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX ************ {$9900.00} XX/XX/XXXX XXXX XXXX XXXX {$9400.00} XX/XX/XXXX XXXX XXXXXXXX {$5800.00} XX/XX/XXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$150.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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

Hi I have = Equifax credit bureau, plus = XXXX XXXX XXXX on = theft & fraud, Embezzlements acts on my credit reports, on Equifax I sent for the reports to be mailed 2 times, plus, called up to 4 times ordering my credit reports on = these crimes = never got any mail Docs, in mail at my moms house = this is from the groups that are stealing my mail, XXXX, calls, etc crimes = with my = DA, victims crime bureau case court trials, on Equifax theres lots of accounts please verify and collect my legal owed money on, plus Banking, On My = XXXX XXXX there is a major mess on a groups, XXXX & Thefts, Embezzlements, and XXXX XXXX XXXX, tradings, etc Up The walls on some group took over my full credit XXXX XXXX  and what am I to think about = clarity to XXXX XXXX Equifax, you have my permission to receive these Docs and Collect whats Legaly Owed, plus Banking will be sent separately Today, I do n't need a mess waiting on these financial losses from past to now please, legaly state with Co, XXXX Please all of them, speedy timing acts on all thankyou by.
Product: Credit reporting or other personal consumer reports

EdFinancial Services is reporting to all of the credit bureaus that I am late on my payments. I have email proof along with statements inside the Edfinancial Services customer portal showing that my balance due is currently {$0.00}, and has been that way since XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX reported a hard inquiry on my Transunion report from XXXX XXXX. I called the business and told them I did not make any such request. XXXX verified the information on the inquiry was not me, and placed the inquiry in the 'Fraud ' reports. I have no problem with how XXXX handled it. 

My problem is Transunion will not make me whole and remove the hard inquiry from my report, despite my giving them all the information Re : XXXX finding the inquiry was fraudulent. That was today, XX/XX/XXXX. 

I am now FORCED to involve you to require Transunion to remove the hard inquiry and restore my score, including any score improvements in the interim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion on multiple occasions to try to address some inaccuracies on my credit profile. There are multiple inquiries that I do not recognize nor did I give consent to any of the companies to run my profile. The inquiries will be listed below : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Not only did I not authorize these inquiries, its inaccurate as I have no accounts with these companies. I want the inaccuracies removed immediately as you are to only report accurate information
Product: Credit reporting or other personal consumer reports

Privacy and Confidentiality under 15 USC 1681 XXXX XXXX- XXXX and XXXX XXXX- XXXX had 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 an 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. Accounts need to be removed from report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> mailed Equifax a dispute letter, Equifax states dispute letter was not received? Letter was never returned! On XX/XX/year> mailed another dispute letter to Equifax, Equifax states letter was never received and letter was never returned, again!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked EXPERIAN repeatedly to disclose the furnisher of the Bankruptcy they are reporting on my credit report and have refused to do so. The FCRA is very clear - I have the right to know where the information reported on my credit report is coming from and question any inaccuracies. They could not have obtained any information from the court house as they do not disclose such information to the public or private entities. They could not have obtained it from XXXX XXXX as my consumer file with them is frozen due to identity theft. 

15 U.S. Code 1681 Section 603 ( 3 ) ( e ) states : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Furthermore, 15 U.S Code 1681 Section 602 A. States : I have the right to privacy. And 15 U.S.Code 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting 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 : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 or other personal consumer reports

I am writing to express my ongoing frustration and concern regarding the failure to remove fraudulent items nor the old information from my credit report. Despite my previous four attempts to address these fraudulent items, they remain on my credit report, significantly impacting my creditworthiness and causing undue financial and emotional distress. I have diligently followed the procedures outlined by the Fair Credit Reporting Act ( FCRA ), including submitting police reports, affidavits, and other supporting documentation to the credit reporting agencies. However, the agencies have not taken the necessary steps to investigate and remove these fraudulent items. 
The continued presence of these fraudulent items on my credit report has resulted in numerous negative consequences, including denial of credit opportunities, increased interest rates, and significant stress. Please help me remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have been banking with Bank of the West for the past 4 years, never had an overdraft or any other negative activity on my account, I went to the bank provided them with 2 forms of ID changed my account type from starter to any-deposit which is their normal account type. They asked about my citizenship, inquiring which country I had a second citizenship with, while I have SS number and my real CA id presented to the Banker. The banker acted as if she was an ICE or IRS rep not a banker, I was shocked and offended but I answered questions and at the end I asked 3 time were all things in order bc I was sent a letter asking me to go into a branch an verify my Identity which I did 2 weeks ago, I was told all was ok and My bank account is in good standing. I asked my account wont be closed right and was assured it wouldnt be. Yesterday on XX/XX/2021 the bank in fact did close my account and did not inform me of their actions. I went grocery shopping and my card was declined, I was humiliated, I looked at their banking application and it showed my entire balance was debited without my knowledge without an indication of what had happened. I called and spent an hour on hold waiting for customer service to answer, was told a branch location in XXXX California, the original one which I had opened the account in, had closed my account and I needed to go to that branch and find out why, and try to get access to my {$3000.00}. I went today and was told very rudely that the bank doesnt have a manager that I could speak with! I was given a false main number to their bank back offices, I called and it was in fact the same rude teller who picked up and told me to call their 1800 number. I called that again today and their call center says I need to deal with the location branch! I asked if they could expedite my money to me faster and was denied that as well! They have send my money in regular mail, which takes 7-14 business days! I have rent due and other payments without access to my own paycheck which was automatically deposited as it always has been for the past 4 years! I do not see any other reason except for my race and my citizenship that this bank and its personal have taken such an action towards me! I believe deeply that the Bank of the West has discriminatory policies towards members like myself who are not natural born citizen because of the fact that they asked for proof of my citizenship!
Product: Debt collection

I was notified by XXXX that there was a new debt reported to my credit account by Zions Debt Holdings on XX/XX/XXXX. On XX/XX/XXXX I was notified by XXXX that XXXX added a collection account fro. ZIONS DEBT HOLDINGS in the amount of {$560.00}. I contacted Zions Debt Holdings who advised that the Debt was from XXXX XXXX XXXX. I contacted brinks home security and spoke with XXXX representatives and supplied them with my cancelation information. In XXXX they had canceled XXXX of my accounts per my request via written notice but not the other account. The representative advised that due to the fact that I sent one letter with two accounts on it, they did not accept the notice and continued to bill me. This is a fraudulent tactic. I supplied both XXXX XXXX holding and brinks home security with copies of the cancelation letters the emails I sent requesting cancelation. Neither brinks home security or Zions Debt Holdings provided me with written notice of the Debt or a statement of the debt. 

This is a fraudulent attempt to extort money from a consumer, affecting my credit rating of XXXX for a debt I do not owe.
Product: Student loan

I talked to Navient in XXXX and told them that I would like to pay off the student loan in XXXX. My account manager said that I would have to keep the account in good standing for 3 months in order to get a discount. I said that they should stop taking money from automatic withdrawal because I would call and make a payment monthly. they told me that would be fine. I made the payments on the phone and paid by credit and debit card. Then in XXXX I called to see what the pay off amount would be and they took 10 % off. Then in XXXX I got a bill for {$190.00}. I called them again. They told me that whoever told me the pay off amount should n't have told me that amount because the most they could take off was {$200.00}. I told them that was n't my problem because the account manager put me on half to talk to a supervisor to get this approved. The person I was talking would n't budge. He kept putting me on hold to talk to his supervisor. I told him they could call me back when they have everything worked out because they were done wasting my time. Then I found out that While I was making phone payments they were also taking money out of the bank account that was set up for automatic withdrawal. So they own me money. Also they overdrew the account by taking out the payment that was already paid.
Product: Student loan

I have sent several letters about the dispute of late payments to be removed due to misinformation form several representatives. I thought i was on a deferment back in XX/XX/17 and was assured that it was in effect until i got another response that i was not. I I followed proper steps and was filled out all the paper work. I called several time to see if i was on a deferment was told yes and when i was going to get a credit card was denied due to i have all the late payments on my report. I come to find out that they can not locate my calls between XX/XX/17-XX/XX/17 the disappeared. So i know i did call in several times and the representatives helped me with what i needed to do. I need assistance on removing the late payments I have tried so hard to get my credit score up.
Product: Checking or savings account

Received a letter in the mail form : Marcus by Goldman Sachs -- XX/XX/2024 It was an Online Savings Account Statement that I have never opened. 
I contacted the fraud dept. at Marcus and they said to submit an inquiry to FTC. I was told they closed the account, but I have not received verification for that. 
I asked them to send me an email stating that they closed the account, but they could not.
Product: Credit card or prepaid card

I have three separate credit card accounts with Synchrony Bank. 

Amazon.com Store Card account ending in XXXX PayPal MasterCard account ending in XXXX Lowes Advantage Card account ending in XXXX On XX/XX/2020, Synchrony abruptly and for no reason at all, closed all three of my accounts. See attached letter that was sent to Synchrony Bank, and closure letters that were sent to me. This can also be shared with Synchrony Bank in this complaint. 

Sincerely, XXXX XXXX
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. 
XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

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

15 U.S.C 1681 s-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 or other personal consumer reports

XXXX XXXX XXXX ACTION : CLOSED REPORTED XXXX BALANCE $ XXXX IDENTITY THEFT NOT MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX CLOSED REPORTED XXXX BALANCE $ XXXX IDENTITY THEFT NOT MY ACCOUNT XXXX XXXX XXXX XXXX ACTION : CLOSED XXXX XXXX XXXX $ XXXX IDENTITY THEFT NOT MY ACCOUNT XXXX XXXX- ACTION : CLOSED REPORTED XXXX BALANCE {$86.00} XXXX CONSUMER- ACTION : CLOSED REPORTED XXXX BALANCE $ XXXX IDENTITY THEFT NOT MY ACCOUNT