23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Case # with Citibank is XXXX XXXX ) XXXX XXXX I saw a transaction on my Citibank phone app, which I did not recognized. The amount charged was XXXX for XXXX XXXX FL, dated XX/XX/XXXX. I contacted Citibank and alert them regarding this charge. Citibank immediately cancelled the card and send me a new card. At the same time, put the charge on hold while they investigate. 

I advise the customer service rep that I have recently cancelled a booking with Norwegian cruise line which also include airfare so this charge could be the agent forgot to cancel the air portion. 

XXXX ) XX/XX/XXXX, I received the XXXX paper statement from Citibank, showing a clear description of name and booking for the XXXX charge and I was alarmed, I called Citibank again and bought to their attention that this should be treated as fraud case going forward. 

XXXX ) XXXX XXXX - Received letter from Citibank with a copy of the merchant 's respond and the flight manifestation, showing XXXX airline reservation dated XX/XX/XXXX for flight from XXXX to XXXX with XXXX adult female and XXXX children. The flight was booked at XXXX and they flew out the same day at XXXX. Merchant stating that the charge is non-refundable, and the flight completed. In order to further the investigation, I have to submit additional documentations to proof that a refund is warranted. 

XXXX ) XXXX XXXX I contacted Citibank by phone stating this should be a FRAUD case, not a case for cancellation or refund of the airfare. I do not know the person who book the flight, she stole my card information, book the flight and flew out on the same day, clearly to avoid been caught. I am not requesting for refund ; this should be an investigation for fraud. 

XXXX ) XXXX XXXX I submitted a signed letter with above information to Citibank customer service and formally requested to continue the investigation as a fraud case, not a request for refund. 

XXXX ) XXXX XXXX Citibank again closed the investigation and revert the charge, stating they have made every effort to resolve the dispute with merchant but was not able to give me a refund, since my initial call to them is for cancellation, they are not able to treat this as a fraud case. as its the rule for XXXX. 

I have since reach out to both XXXX airline and XXXX without any success. Everyone agreed this is clearly a fraud case, including Citibank fraud team yet they are not willing to honor the XXXX XXXX liability protection policy. 

Attached you will find flight manifest provided by merchant to Citibank and my request for fraud investigation. 

Apology for the long explanation. Looking forward to your advise. 
thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24hours stating the account is accurate without providing any evidence of through investigation. The practice violates the Fair credit reporting act ( FCRA ), 15 U.S.C., ,1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C.,, 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumer with the necessary proof of investigation. 

These are the accounts I found as inaccurate : XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX {$3100.00} XXXX XXXX  XXXX {$1700.00} XXXX- {$9400.00} XXXX XXXX XXXXXXXX XXXX {$55000.00} XXXX XXXX XXXX- {$1000.00} XXXX XXXX {$1.00} XXXX XXXX  {$18000.00} XXXX XXXX XXXX {$8600.00}
Product: Checking or savings account

On XX/XX/XXXX Santander bank allowed a money transfer of XXXX dollars to be wired out of my account without notifying me of the demand from another person and anther bank. The request happens to be a scam from who ever made the request.. I suspect several individuals being involved as the amount wired out of the account equals a wired transferred into the account on XX/XX/XXXX. My account at that time was XXXX. 

I have been involved with Santander Bank in recovering the funds. We have but a block on the old account. We have removed most of the funds in the old account into a new account. The old account has been blocked but kept open so when the funds are recovered the paper trail can be followed in order to put the funds into the new saving account. 

I do not understand why the bank thinks it can remove funds out of a private client 's account without notifying him/ her and to get the client 's approval. This would stop scammers from using this security breach from stealing funds from unsuspecting individuals
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 : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

An unapproved credit check/inquiry was accidently made by an employee at a Kia dealership on XX/XX/22 but Manager has neglected to respond to any calls or emails made. Very little response was made during the beginning until I completely stopped getting any kind of responses from XXXX the Manager; but when trying to resolve what seemed to be an easy request of a Statement has been drawn out for almost a year now. 

I still have proven dates of when phone calls where made, what was said in them. As well as any following emails I have sent to XXXX. 

XXXX XXXX Kia Dealership XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX - Managers Email XXXX XXXX - Associates Name
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. 

Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed two accounts under the name XXXX XXXX XXXX with them directly on XX/XX/2018. I requested validation from this company to include the signed application, signed lease, break down of all charges, payments and communication logs. I finally received a letter back from XXXX XXXX XXXX that only included a typed bill for over {$7000.00}. These accounts/collections are false and erroneous reporting. I've never resided at this address and am actually XXXX XXXX military. I've already sent a letter to experian with a copy of what I was sent and have heard nothing back. But it's still reporting negatively on my account. I do not think me asking for a lease to an apartment I'm being accused of oweing is absurd to ask for. I'm now asking CFPB, FTC and the XXXX to step in. 

I'm attaching a copy of the paperwork from the credit collection company to support my claims. 

I'm demanding this be deleted ASAP.
Product: Debt collection

I am disputing the debt of {$670.00} that is being stated I owe. As you can see before I was charged early termination fees that included my move out date of XX/XX/year>. It was communicated by the property that once that was paid I can move my things out anytime as long as I sent a move out notice which is also attached to this complaint. I also attached my complete ledger showing when all fees were paid and how I was continuously being charged additional living expenses even though I no longer occupies the space. 

Please note as well my security deposit was never given back to me much later after I paid all termination fees. And I was additionally charged {$10.00} per day for late fees which in my lease its stated {$60.00} one time late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I received an alert letting me know a collection item was placed on my credit report. When I looked on my credit report I saw that XXXX Collection agency for XXXX is showing that this item is in collections. Inaccurate information for account, status, amount, date open and closed, and payment history are all inaccurate. I have also never received notice of this collection item thus not allowing me to dispute it. It has dropped my credit score down 60-70 points and is damaging to me buying my house. 

Please investigate
Product: Mortgage

I was never late on a payment. I paid biweekly for the length of mortgage. The company changed its software and couldnt take bi weekly payments. Monies were still sent in electronically thru my back. The mortgage company went me checks back, then said I was delinquent? This is a mistake on their behalf and it should not reflect on my credit report. This mortgage has been paid in full. In reality the mortgage company owes me the money back from late fees.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Closed this complaint with a different response that's worded differently but says exactly the same as all the others which explains nothing
Product: Vehicle loan or lease

When I XXXX got alone the rate was too Hi my credit score was better than the rate they gave me
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know else I need to do to get this matter resolved. I have sent multiple emails, made phone calls, and sent letters to Experian to remove the incorrect addresses attached to my profile. The only address that should be on my credit report is XXXX XXXX XXXX, XXXX, PA XXXX. 
XXXX XXXX XXXX XXXX, PA XXXX has never been my residence. 
XXXX XXXX XXXX XXXX, PA XXXX has never been my residence. 
I have said this over and over, and they still continued to put this on my credit profile. 
Remove both these addresses immediately. They DO NOT belong to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am delighted for your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have still Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX ( Original Creditor : GEORGIA XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX ( Original Creditor : GEORGIA XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX ( Original Creditor : GEORGIA XXXX XXXX XXXX XXXX XXXX : {$680.00} XXXX ( Original Creditor : GEORGIA XXXX XXXX ) XXXX XXXX XXXX {$1600.00} XXXX XXXX ( Original Creditor : GEORGIA XXXX XXXX ) XXXX XXXX XXXX {$68.00} ( Original Creditor : ) XXXX Balance : {$120.00} ( Original Creditor : ) XXXX Balance : {$77.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX. Charge off XXXX XXXX Account Number : XXXX XXXX. Late Payment XXXX XXXX Account Number : XXXX XXXX. Charge off XXXXXXXX XXXX  Account Number : XXXX XXXX. Charge off XXXX Account Number : XXXX XXXX. Charge off XXXXXXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HESSA - reported 2 late NJCLASS student loan payments in Violations of the Fair Credit Reporting Act, 15 U.S.C. 1681. 

They have mishandled desperately-needed federal relief granted to students under the Coronavirus Aid, Relief, and Economic Security Act, Pub. L. No. 116136, ___ Stat. ___ ( 2020 ) ( the CARES Act ), by, among other things, inaccurately reporting information about student loan payments that were suspended under the CARES Act. 

A class-action lawsuit is needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following bank and credit unions thats currently listed on my Chex Systems Consumer Report was previously deleted from my consumer report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, I never applied for any checking account or line of credit from these creditors, but these creditors are currently listed on my Chex Systems Consumer Report. The accounts are fraudulent, unauthorized and not my accounts. I sent a police report to Chex Systems in XX/XX/2019 in regards to these creditors and fraudulent accounts.
Product: Credit card

On XX/XX/XXXX it was discovered that USAA had illegally and without approval on XX/XX/2024 processed a duplicate payment of {$6300.00}. This duplicated a payment FOR THE EXACT SAME AMOUNT two days earlier on XX/XX/2024 paying off the last statement balance. 
This unauthorized withdrawal of a second payment within two days has caused immediate financial harm to my family, and USAA is liable for any costs and fees associated with their error. The costs and fees associated with this error currently are $ XXXX plus time and reputation damage for payments that were rejected due to the unauthorized repeat withdrawal of funds. 
This was not a few XXXX dollar payment duplicated ; it was an entire balance being paid off that the reasonable business or person would understand that running the payment a second time in two days overpaying a credit card by nearly XXXX XXXX dollars is wrong. Their computer system is not an excuse for unauthorized funds withdrawal and putting a family at financial risk. 
Upon calling USAA customer service, I was hung up on mid-call twice when they tried to escalate me with a higher level representative to assist. The third time I was told that it was a few minutes after their closing time and no one was able to help me until the next day. This lack of customer service, the need to call back twice going through the horrible automated menu and hold time, and then refusal to help once it has extended past their close time smacks of avoidance and withholding of service to a 30 year client that has been harmed by USAA. 
I was told I will get a call back the next day but can not be guaranteed when. After waiting five hours I called back in and after delay was informed that nothing could be done for ten days, at which point I could then " dispute '' the transaction. 
This is unacceptable and causing financial harm. I have immediately ceased any financial connection to USAA and will never do business with them again. I have obtained their legal address ( after asking twice previously and not provided ) and will send a claim and pursue legal action. After 30 years of being their customer, it is very clear they have no regard or concern for their harmful actions.
Product: Credit card or prepaid card

On XX/XX/2021, I applied for an extension of credit and a few days letter I received an adverse action letter stating I was denied. I would just like to know what laws and procedures were used to come up with this determination, otherwise it is a direct violation of my consumer rights 15 USC 1602 ( e ) which states credit is my right. Also, they have violated 15 USC 1602 ( o ) unauthorized used. American Express accessed my credit card, and it did not benefit me. There is an inquiry on my consumer report that proves this transaction took place.
Product: Checking or savings account

I received notice my Cred.Ai account was being closed due to " Too many returns '' This was 2 days before payday I can not access the account anymore I have documents saying my payroll dept sent a deposit before the notice of closure on the account. 

The company is hard to reach, most of the time I don't get an answer. 

I was directed towards my Payroll dept who already said the funds were sent and can not be reversed. 

I just want my paycheck and Cred.Ai isn't contacting me back.
Product: Student loan

I attended XXXX University from XX/XX/XXXX-XX/XX/XXXX. I was awarded financial aid through the federal government lending program. Part of the loan was backed by a private lender, now known as Navient in XXXX, PA. I am unemployed and have been since XX/XX/XXXX. They call me daily, threaten legal action and send me registered mail. The fact that I can not pay them at present does not phase them. One of the representatives even told me to borrow money to pay them!! I have asked them to stop calling, etc but they have not done so. It is affecting my sanity and health. I have made it clear on numerous occasions that as soon as I am employed, I WILL take care of the loan, but they still threaten me.
Product: Checking or savings account

My account was closed by Citibank with {$2400.00} in it over a month ago. Citibank responded saying that they were not going to return my funds. This is a complete scam. I will go to every social media site and talk about how Citibank has stolen my money if it is not returned. I will also continue to call to submit complaints directly with Citibank and through the CFPB. This is completely unacceptable for a bank to steal my money and use some lame excuse to refuse to give back.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX XXXX XX/XX/year> Re : Cease and Desist Regarding Identity Theft and Fraudulent Debt Dear XXXX, XXXX, XXXX I am writing to formally dispute the debt that you are attempting to collect under my name, and I demand that you cease and desist from any further collection efforts on this fraudulent account. It has come to my attention that the debt in question was incurred as a result of identity theft and is not my responsibility. 

As you may know, under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any debt that I did not incur. I request immediate deletion of any and all debts associated with my name that are the result of this identity theft.

Failure to comply with this request will leave me no choice but to take further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing legal action to resolve this matter.

Please provide written confirmation of your receipt of this letter and the actions you intend to take within 15 business days. 

Thank you for your prompt attention to this matter. 

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

THIS ACCOUNT WAS OPENED BY FRAUD WITHOUT MY KNOWLEDGE AND SHALL DELETE FROM MY CREDIT REPORT BY LAW. 
XXXX XXXX XXXX ACCOUN WITH A BALANCE OF {$27000.00} IS INACCURATE AND FRAUD USE MY INFORMATION TO GET THIS CAR.

I REQUEST THE DOCUMENTS THAT WERE USED TO OPTAIN THIS GOODS OR DELETE THIS INACCURATE ACCOUNT FROM MY CREDIT REPORT.