23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

i had a business bank account with Citi bank for over 3 years. It was a secondary account which i have n't been using actively for over a year. I have been using it only to perform XXXX transfers of my funds from XXXX to XXXX. I have decided ti close this account and called Citi to do so. I was then informed that there is a block on my account. Apparently there was {$2.00} overdraft on this account. I was asked to go to the branch to pay the outstanding {$2.00}. I live in Louisiana, the nearest branch is in Florida. At this point I was informed that I have to pay {$2.00} and that after that I will be able to close my account. Reluctantly, I transferred {$2000.00} from my XXXX bank account to my Citi bank account, to cover {$2.00} overdraft. Once the funds were shown as available online, I have wrote myself a check for the outstanding amount of {$2000.00}, so that I can close my Citi bank account. When I deposited this check to my XXXX bank account via their Mobile banking App, XXXX of my XXXX Bank accounts got locked. I was informed I have no online access because of a fraud! I was travelling at the moment, I called my branch of XXXX bank to find out what 's going on, but nobody could provide any explanation. I called the customer service 3 times, they refused to talk to me and send me back to the branch. I was informed that I have to go there in person. It took me 7 days to get back home, and so I went to the branch of XXXX in XXXX. After XXXX sitting there, while nobody could work out what happen, XXXX agent informed me that my online/mobile access was blocked by her boss, because of the check I have wrote from Citi bank!!!!!!!! 

To summarise the situation : 1. XXXX bank blocked XXXX of my bank account, worth over {$200.00} XXXX because of a check I was trying to deposit to my bank account! I was under impression fraud was to prevent strangers to take money away from my bank account?! 
2. It is over 9 days now that I have no access to XXXX of my XXXX bank accounts, because my branch still did n't managed to sort it out ... 
3. I will be transferring those bank accounts to a different bank, so I stop chasing my XXXX bank branch to simply do their job. 
4. Citi bank refuses to close my bank account 5. When I called Citi bank they asked me to go to my branch in Florida to have this bank account unlocked 6. In spite of refusing the check I have wrote for the balance of the founds remaining in the Citi bank account, they imply that when they will unlock the account the check will still clear. I have a letter from Citibank stating the contrary, i.e. confirming that the check was refused. 
7. Now there are no sufficient funds to cover the aount of the check ( {$15.00} are missing ). Citi bank have refused the check when the funds where available, they have not informed me that the account is locked, they have charged {$15.00} of fees, 4 days after I wrote the check.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  The Bankruptcy Judge, XXXX XXXX, dismissed my bankruptcy.
Product: Debt collection

MRS COLLECTIONS LLC. BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, OR XXXX ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.
Product: Debt collection

A debt of {$210.00} started appearing on my XXXX  credit report from Aargon Ageny for an XXXX XXXX from XXXX XXXX  that went into collection near the end of 2022. I was not aware of this bill. I have not received one correspondence from XXXX XXXX  stating I owe anything. I also told them that it is impossible for me to have any XXXX XXXX from XXXX  because I haven't lived in the state for almost 5 years. The account was opened XX/XX/2022. That is impossible for me to open an XXXX XXXX  account in 2022 when I live in XXXX.
Product: Debt collection

On XX/XX/2021 and XX/XX/2021 I enter a contract with XXXX XXXX XXXX XXXX that when they cash my check for payment that they will remove all derogatory items from my credit report from all the credit bureaus that they report to. As of XX/XX/2021, they are still reporting derogatory items on my report. I sent them a certified letter on XX/XX/2021 of breach of contract and they have not responded to my request to remove these negative items from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$190.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act SYNCB/LOWES XXXXXXXX has violated my rights. 

15USC 1681 section602 States I have the right to privacy.

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

15USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave XXXX TransUnion or XXXX consent to furnish a consumer report on me they are violations of my consumer rights as federal protected consumer Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity fraud and my credit is suffering from it. I have several accounts that I did not open nor ever use or had access too and now my credit is destroyed. Help me get these fraudulent accounts off of my credit report. I have a XXXX, XXXX  XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and a XXXX XXXX   all which I believe to be fraud.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing in response to your recent correspondence regarding the alleged debt associated with Case # XXXX and Case # XXXX. 

Despite your previous communications, I reiterate my dispute regarding the validity of the debt claimed by Midland Credit Management. I have repeatedly requested evidence of my original agreement with Midland Credit Management. including a copy of any contract bearing my wet signature on contract with Midland Credit Management.. Regrettably, this request remains unfulfilled.

Furthermore, I wish to address the information provided by XXXX XXXX XXXX regarding the purported debt. While it is claimed that an account was originated on XX/XX/XXXX, under the name XXXX XXXX XXXX, I maintain that I have never entered into any contractual agreement with Midland Credit Management, Midland Funding, or Encore Capital Group. 

As per the findings of the investigation conducted by the Consumer Financial Protection Bureau ( CFPB ), it is evident that the burden of proof regarding the legitimacy of this debt has not been adequately met.

In Alabama, the statute of limitations for debt collection lawsuits on an open account, such as a credit card account, is XXXX years from the date of the last action on the account in question1. Creditors can no longer sue
for repayment after the statute of limitations is up.

Therefore, I dispute any claims to rights or obligations stemming from an alleged debt that has not been substantiated with verifiable evidence.

Moreover, I emphasize my refusal to provide a signature in support of what I perceive to be unfair and potentially fraudulent collection practices. I assert my right to demand the removal of any inaccuracies associated with this disputed debt from all credit reporting agencies.

Cease and desist.

In conclusion, I urge Midland Credit Management to cease all collection efforts and to promptly address the concerns raised in this correspondence. Failure to do so may result in further escalation of this matter through legal channels.

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Prepaid card

I received an Amex Gift Card ( value of {$100.00} ). I attempted to use this on XXXX and the transaction was continuously declined after a few attempts. When I check my balance online, it shows less than the card value due to XXXX holding the amount to verify the card. Whenever XXXX asks me to verify my card, the payment gets declined again. I looked online to see if this was a more widespread issue, and it appears that many others reported having this problem as well.
Product: Credit card

I have tried to send a response to Chases resolution for two weeks and your server will not accept the message. When I push send the circle goes around for 10 minutes saying sending and then quits and says to long, log outChase did not refund the {$3500.00} I paid with a check from my XXXX account that I found a record of. 
This is what they called RELIEF Transferred payment to Checking Account $ XXXXYes that was correct however in the fine print they charged a debit to my Chase Freedom Account for that same {$3500.00} +said I would owe them interest from XXXX XXXX when I made the payment on my freedom acct. 
1. XXXX XXXX, 2015 I wrote a balance transfer check to my Chase Freedom Account. I went to XXXX different branches of Chase and asked them to send me a check or put the money in my checking account because I meant to pay off my XXXX XXXX XXXX which I was cancelling. I had just heard that my best friend of over 30 years has XXXX which put me under duress. 
2. Both bank officers went through my checking account and said no checks had been written for {$3500.00} so I could n't have paid that amount on my Freedom Card by accident. 
They said it must have been a bank error and so they did a XXXXreversal and took my {$3500.00} XXXXout of my Chase Freedom and kept it. 

3. I have my statement from XXXX that on XX/XX/XXXX bal xfr Chase Mastercard/Visa {$3500.00} with a bal transfer fee of {$100.00}. 
XX/XX/2015 BAL XFR. CHASE XXXX & XXXX $ XXXXAccount DetailsCiti Simplicity ( R ) Card-XXXX Current Balance : $ XXXXCurrent Balance : $ XXXXTotal Credit Limit : $ XXXXAs Of XX/XX/2015 : $ XXXXMinimum Payment Due
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX are refusing to remove the following even after being provided with documents from the companies who never had authorization. 

The following inquiries are unauthorized : Creditor : Crelogic Credco ( XXXX  ) Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX : Inquiry from XX/XX/XXXX Creditor : XXXX XXXX  : Inquiry from XX/XX/XXXX and Inquiry from XX/XX/XXXX Creditor : XXXX XXXX XXXX : Inquiry from XX/XX/XXXX and Inquiry from XX/XX/XXXX spoke with the following Supervisor name XXXX ID XXXX who informed me they will never verify or remove this and i can do all i want. 

Another Manager by the name XXXX with employee ID XXXX in their consumer affairs department also told me they will not do anything and disconnected the call.
Product: Credit reporting or other personal consumer reports

I received my credit report in XX/XX/year> from TransUnion, XXXX and XXXX and noticed delinquent items, open accounts I never authorized and charges in my name that I did not give consent to contract with nor did I receive any credit or use of any goods or services. I did not give my permission or consent to TransUnion, XXXX or XXXX to report any inaccurate information pertaining to me or my property. According to TRUTH IN LENDING ACT ( TILA ) 15 U.S.C. Code 1681 ( b ) ( 2 ) Permissible Purposes of consumer reports. NO CONSENT IS IDENITY THEFT.
Product: Credit reporting

XXXX re-inserted a old deleted fraudulent debt into my credit file, I sent letter to remove and they did not respond ... contined to re- insert a 2012 debt back into my credfit file, with Equifax ..., XXXX and XXXX deleted it ... equifax has not
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my police report identifying a fraudulent account from XXXX XXXX to Experian reporting in error on my credit report. I am requesting that Experian honor my police report and avoid violating federal law in investigating identity theft. The account number and fraudulent account details are included in my police report. I also included a copy of my drivers license and social security card. I am requesting that the fraudulent account be blocked pursuant to the Fair Credit Reporting Act, Section 605B.
Product: Mortgage

My mortgage company ( SPS inc. ) doubled the escrow ( {$15000.00}, Escrow AnalysisXXXX pdf file attached ) since XX/XX/2022. So, I contact the company to claim this with a document from the county tax information ( {$7800.00}, Real Property tax.pdf file attached ). But, the mortgage company keep saying the double amount for the escrow ( Escrow Analysis-XXXX pdf file attached ) even we showed the document from the tax department. Mortgage company said they paid the double. So, I contact the tax department to figure this out, but the tax department said they never get the double amount for the escrow. And, mortgage company keep saying " Just Wait '', and they put the all money to my mortgage payment since XXXX. What shall I do to fix this?
Product: Money transfer, virtual currency, or money service

My Venmo account was frozen on XX/XX/23 with no information provided and no way to regain access to my account. They refuse to provide point of contact or any disclosure related to why it was frozen or ways to access my funds and stored banking information.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$830.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been incorrectly reporting payment history to XXXX, Equifax, XXXX, XXXX since XXXX. 
I have submitted countless reports to CFPB, XXXX, Equifax, XXXX, XXXX, and XXXX for the last 3 years. XXXX is the only company to do anything about it. It's obvious that XXXX is mixing my account with someone else. During this same time frame, XXXX  had my birth year as XXXX ( has since been corrected ), XXXX  has an alternate name of XXXX XXXX listed RIGHT NOW. Several inquiries that are not mine, addresses in California and Kansas that were eventually removed.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for not resolving a disputed collection account on my credit report. This account is linked to my former residence [ XXXX XXXX  ]. This debt was incorrectly reported to collections. I have provided XXXX with evidence of paid dues and requested proof of any outstanding debt from the collection agency, IQ data international, but have not received any substantial response or proof. This incorrect reporting has adversely affected my credit score and caused significant distress. I request the CFPB 's assistance in removing this erroneous collection account from my credit report and obtaining a corrected report from XXXX, along with written confirmation of the resolution.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on our ongoing efforts to remove the fraudulent items from my credit report. Despite our previous attempts, I regret to inform you that these fraudulent items still persist on my record. As we enter the fourth attempt to address this matter, it is crucial to emphasize the urgency and importance of rectifying these discrepancies promptly. The presence of fraudulent items not only undermines my financial credibility but also poses significant challenges for my financial well-being and future credit opportunities. 

I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX : {$1500.00} ; XXXX XXXX XXXX XXXX : {$18000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$770.00}.
Product: Prepaid card

The Visa gift cards of Incomm are not able to be used even in everyday stores like XXXX XXXX. These restrictions were not disclosed by the company, nor Incomm provided me any explanation on why it was the case. I made multiple calls to Incomm customer services to seek answer, but no information was shared with me except that it will take a maximum 30 days to give a response. Incomm never made any attempt to contact me to provide me any status. As of today, 30 days timeframe has passed. No response has been provided. 

Amount : USDXXXX.- Dates : calls are made to Incomm customer services on XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. To request 1 ) reason for holding funds for use ; 2 ) timing for the resolution.
Product: Credit reporting or other personal consumer reports

A XXXX XXXX was fraudulently opened in my name. An email address ( XXXX ) and phone number ( XXXX ) that does not belong to me; was used to obtain an online account. Payments were made on this account and returned unpaid from an account that does not belong to me. Authorized users were added to this account that I have absolutely no knowledge of. I have been crying out to have this fraudulent account removed from my credit for several years even before it became delinquent. My disputes were denied continuously. I was not living at the address on file when this account was opened and have provided proof several times. I have attached a bill that shows my address in XXXX of 2017. I have also attached a copy of my lease that shows the address I moved to in XXXX of 2017. I never requested a new card from discover nor retrieved any card. The account is NOT mine.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against USAA for the unauthorized disclosure of sensitive account information and what I believe to be discriminatory treatment. The insurance policy in question is in my husband 's name, XXXX XXXX, with Policy Number XXXX XXXX XXXX, and I am also listed as an insured on the policy under the name XXXX XXXX. On Monday, XX/XX/2024, and Wednesday, XX/XX/2024, I received voice messages from an individual named XXXX with USAA ( contact number XXXX, extension XXXX ) discussing the status of our insurance policy, including information about its termination, without my authorization. This is a clear violation of my privacy rights under the Gramm-Leach-Bliley Act ( GLBA ), which mandates the protection of consumers ' financial information by financial institutions. Additionally, this unauthorized disclosure may also constitute a violation of my rights under state privacy laws and could be considered an unfair or deceptive practice under the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, I believe that USAAs actions were racially discriminatory, as their handling of our account differs significantly from how they treat non-Black customers. Due to the unauthorized disclosure of sensitive information and the emotional distress caused by these actions, I am seeking the maximum financial compensation allowed to address the harm and inconvenience caused. I request a thorough investigation into these practices and appropriate corrective actions to ensure that such breaches do not occur in the future.