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

This citi bank closed my account more than two months ago and refused to return my money to me without any reasons. I went to them dozens of times and every time they gave me a different answer. I called customer service hundreds of times and they did not give me any solution. 

The amount is XXXX Citibank Account number : XXXX
Product: Mortgage

HELP REQUEST FOR MODIFICATION OF MY BANK LOAN AND SEND ALL DOCUMENTS NEEDED IN DATE XXXX/XXXX/2015, I CALLED the bank and was informed that THEY RECEIVED ALL DOCUMENT, BUT THEY PUT SALE DATE TO MY HOUSE FOR XXXX / 2015I CALLED TO REQUEST INFORMATION AND CONFIRMED MY CASE IF YOU NEED ANY DOCUMENT, THEY SAID EVERYTHING WAS FINE. They DID N'T CALL ME AND DO NOT WANT TO SUSPEND THE DATE OF SALE. 
ALL MY CALLS are registered in the bank 's system, please help. I DO N'T lose my house. 
THEY DO N'T LIKE HELP ME.
Product: Debt collection

I have not supplied proof under doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX, XXXX I presumed that no proof, nor therefore any such debt, in fact exist with account CREDENCE RESOURCE MANA, XXXX XXXX  for {$1400.00}, Account # XXXX. Under the FCRA, unverifiable account must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed. XXXX has removed account on XX/XX/2021 from my credit report.
Product: Credit card or prepaid card

Citi Bank had upped our credit limit by {$1000.00} without informing us. We went from {$7000.00} to {$8000.00} and have a XXXX balance on the card. A month later we received a letter stating that there was a mistake and they had inadvertently raised our credit limit but took the necessary adjustments to drop our credit limit back to the original {$7000.00}. I contacted their service department and informed them that I was very concerned because this action could affect my credit score. The service representative did not understand our concern ( language barrier ) and after 30 minutes of trying to explain that this could hurt my score he told me I would have to take it up with the three agencies to get it fixed. What kind of company does this to their clients? What is a {$1000.00} credit limit adjustment to someone who has great credit? I am concerned about my score and want Citi Bank to assure me that this will not affect my credit score.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Account Name : XXXX XXXX XXXX  Account Opened : XX/XX/XXXX Account Balance : {$6800.00} Account Name : XXXX XXXX XXXX XXXX XXXX Account Opened : XX/XX/XXXX Account Balance : {$4200.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Creditor Failed to Respond to Credit Dispute Within 30 Days Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian / XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Account Information : XXXX for failing to respond to my credit dispute within the legally mandated 30-day timeframe, as required by federal law. Despite submitting my dispute on XX/XX/XXXX, they responded on XX/XX/XXXX, XXXX XXXX and Experian has failed to provide verification of the disputed account as outlined under the Fair Credit Reporting Act ( FCRA ). 
According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to investigate disputes and communicate with the information provider within 30 days of receiving a dispute. Additionally, 15 U.S.C. 1681s-2 ( b ) mandates that creditors and furnishers of information must conduct a proper investigation and report the results to the credit reporting agency within the same timeframe. This failure to comply not only violates these statutory obligations but also jeopardizes my rights as a consumer to fair and accurate credit reporting. 

Given the creditors non-compliance with federal law, the account in question must be promptly removed from my credit report. Failure to do so constitutes willful negligence, which exposes the creditor and any associated credit reporting agencies to potential legal action. Under 15 U.S.C. 1681n, I am entitled to statutory damages, punitive damages, attorney 's fees, and court costs if the violations are found to be willful. 

I demand the immediate removal of this account from my credit report and written confirmation that this matter has been resolved within XXXX business days of your receipt of this letter. Should this issue remain unresolved, I am fully prepared to escalate the matter by pursuing legal action and filing complaints with the Federal Trade Commission ( FTC ) and the Attorney Generals office. 

I trust that the CFPB will address this issue promptly and enforce the legal obligations owed to me as a consumer. Please confirm receipt of this letter and provide a resolution to my complaint at the earliest possible opportunity. 
Thank you for your time and attention to this matter. 

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

My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Please delete the following unknown address they are not accurate : 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, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I am requesting them XXXX to be reomved I never lived at the above addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent all the paperwork required by the ftc as stated in their recovery steps on the website! TransUnion did not remove!? I called TransUnion and the man said he can not remove The adverse accounts only can file a 4th dispute!? TransUnion has not removed the adverse after over 30 days and did not pass on the information to the other 2 CRAs I am a victim of identity theft and sent paperwork, police report & proof of identity -drivers license but it remains on my report and he said he can only file yet another dispute asking merchants to remove? 
i wasnt asked if I wanted identity theft so why should it be up to the merchants to remove me from the report?
Product: Credit card

On XX/XX/year> my card was declined at a Shell gas station when trying to use XXXX XXXX. I used the physical card and it worked. When I logged into my account later that day, I saw my account had been restricted and was given a phone number to call. On XX/XX/year>XXXX  I called the customer service line and explained the situation. I asked to know which transactions had been labeled as suspicious. 
The customer service agent asked me several questions, and then asked if I was at home or work. He then asked for my home phone number, but I said I did not have one tied to the account to my knowledge. I was then told that he could not verify me since I could not give him my home phone, and a letter would be sent with a verification code. 
I did not understand the reason he asked for my home phone, nor was it explained to me in the moment. Verifying me through my email, text message, or SSN were not options given to me. I am now unable to use my account.
Product: Checking or savings account

My business checking account XXXX was closed on XX/XX/XXXX of 2021 with a balance of {$63000.00} Today is XX/XX/2021. I haven't received my funds from Key Bank. I have called numerous times. I spoke with a lady XXXX and was told my check will be mailed XX/XX/XXXX. After I didn't received my check a called back someone told me I will have to go to the branch to deal with the issue. I spoke with XXXX XXXX at the breach his said he called the back office and spoke with numerous different people and no one gave him a solid answer about {$63000.00} check that should have been issued to XXXX XXXX dated on XX/XX/2021. On XX/XX/XXXX I spoke with XXXX in Fraud hotline department he was very rude and said it's nothing he can do for me and would not transfer me to his supervisor or would not give me the number to corporate. Key Bank has seriously damaged my business. I'm not able to pay my employees, pay my rent, or any operating expenses. They have held my funds for over 90 days with no explanation of why my account was closed or when I will receive my phone.
Product: Credit reporting or other personal consumer reports

liberty fcu XX/XX/year>. I DO NOT RECOGNIZE THIS INFORMATION ON MY CREDIT REPORT IT WAS NOT AUTHORIZED.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX  XXXX - XXXX - {$0.00} Late Payment XXXX XXXX XXXX - XXXX - {$77.00} XXXX  - XXXX - {$7200.00} XXXX XXXXXXXX - XXXX - {$700.00} XXXX - XXXX - {$53.00} Personal Information Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Previous XXXX ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information LENDINGCLUB BANK is furnishing. 

I sent a Dispute letter dated XX/XX/2022 with a green return receipt. To no Avail LIST OF INNACCURACIES FOUND ON IDENTITY IQ CREDIT REPORT : ACCOUNT # ACCOUNT TYPE ACCOUNT STATUS DATE OPENED HIGH CREDIT CREDIT LIMIT LAST REPORTED DATE LAST ACTIVE DATE OF LAST PAYMENT PAYMENT HISTORY LENDINGCLUB BANK was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that LENDINGCLUB BANK complied with this requirement.
Product: Payday loan, title loan, personal loan, or advance loan

this was identity theft i don't recognize this loan and someone stole my identity XX/XX/XXXX for XXXX XXXX  at XXXX XXXX XXXX someone stole my identity for XXXX  XXXX  installment loan for XXXX $ someone stole my identity for XXXX XXXXXXXX XXXX XXXX XXXX account credit limit of XXXX $ someone stole my identity for XXXX and radius global solution is reporting it as a balance of XXXXXXXX XXXX opened on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern was looking at my credit report and recently noticed something that is in there that is 100 % inaccurate and not mine. XXXX XXXX is saying something abuot some collections from XXXX XXXX XXXX XXXX  which i have no knowledge of and was never authorized by me. No one has ever contacted me and i never owed XXXX XXXX XXXX XXXX any money any time i dealt with them in my life. To the best of my knowledge this is fraud because i never signed anything with XXXX XXXX XXXX for XXXX dollars. I did not authorize this. I tried to call them and got no straight answers. The collections company said you and XXXX XXXX XXXX XXXX couldn't give a direct answer they weren't sure. I asked them to remove from my credit file and they said they couldn't. Thats why I am coming here since you guys are fair and I am within my rights to fight against inaccurate information due to the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money.Please remove the following accounts : XXXX XXXX & XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX , XXXX contacted me about a debt I do not owe. I never had any business with Citibank, which they claim is the original creditor. 

I sent them a cease and desist letter via certified mail on XXXX XXXX, 2015 demanding that they have no further contact with me. 

However, on XXXX XXXX, 2015 they sent me a letter stating that I indicated I was being represented by an attorney. I never indicated that I had legal representation ; I only copied a friend of mine who is an attorney for her own interest. There is no attorney/client relationship between us.
Product: Credit card or prepaid card

My Capital One Credit card cycle runs from the XX/XX/XXXX of each month. This past month, XX/XX/XXXX- XX/XX/XXXX, I made a payment of {$250.00} on XX/XX/XXXX and paid the full amount left on the credit card ( {$6900.00} ) which made the card have a {$0.00} balance. I then received an email stating that the amount owed was {$110.00} which was the interest charge for the month of XX/XX/XXXX. The account was at a zero balance and was paid before the statement cycle ended and I should have not been charged any interest on the account. I spoke with a customer representative for the company ( the representatives are located in the XXXX ) and he informed me that I had to have {$0.00} balance for two months in order to not get charged any more. They would not reverse the interest of {$110.00} and told me I must make the payment, which I reluctantly had to do because I did not want to have to pay interest next month on the interest for the previous month. This is a deceptive practice by Capital One and their credit card company. Even though I was told I would not have to pay anything the following month, I am afraid they will charge me interest again on the interest I already paid.
Product: Debt collection

Garnished wages in the amount of XXXX After debt was discharged in bankruptcy.
Product: Debt collection

On XX/XX/2019 I sent a dispute letter to Amcol systems asking them to validate this debt and also asking them to send me proof of the services provided along with the dates services were provided on along with a HIPAA release form. They failed to respond to my letter, by law they had 30 days to respond and they failed to do so. I sent them a letter via CERTIFIED MAIL. And it is not XX/XX/XXXX and I have yet to receive any proof that this medical bill belongs to me
Product: Checking or savings account

On XX/XX/year>, I asked XXXX to ask about closing my account. They said I can get my statement even after I close the account. I called to get my statement, and they refused. I have audio recordings of both phone calls - the first to close the account, and the second to request statements.
Product: Debt collection

I was the victim of a fraudulent charge incurred through PayPal on a purchase from XXXX. An individual obtained my PayPal information and placed two orders through XXXX. I reported the fraud immediately, and PayPal allowed the transactions to go through. They paid for the merchandise, have since acknowledged on several phone calls that the transactions were fraudulent, and have required me to contact my banking institution to issue me a credit so I may pay PayPal for their error. I have since obtained the credit for the amount in question and was ready to pay PayPal, however suddenly my balance owed to them jumped by over 100.00 with no explanation and I can not reach anyone on the phone to resolve the issue due to the covid pandemic. PayPal has an outgoing message when you contact their customer service line that states their office is closed due to covid with no information on when it will be open. I have no recourse at this point to talk to anyone about remediation of the previous charge that I was prepared to pay, or the current additional charge that is now present on my account that is now there with 0 explanation. As a result, I am unable to remove any of my payment methods currently on file with them, and if my account is infiltrated again I am now unable to have my financial information protected. PayPal has not only held me accountable for purchases that I have not made which they have already acknowledged, but they also are negligent both protecting my finances as well as allowing me to protect myself. This is truly unacceptable. They are now saying I owe them more than 250.00.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX Account Number : [ XXXX Reason : [ NEED IT REMOVE ASAP ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

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

I discovered that a hard inquiry into my credit report had been initiated by Capital One through XXXX on XX/XX/year>. The problem is that I have no business or accounts with Capital One, so I have to assume that I've been the victim of identity fraud. As well, upon looking at my full credit report with XXXX I quickly discovered that two additional phone numbers that don't belong to me had also been added to my credit report. 

Since then I've placed an initial fraud report on my credit report, and have filed a dispute with XXXX to have the two additional phone numbers removed- which just leaves the hard inquiry currently on my account from Capital One.
Product: Mortgage

I want to be part of the class action lawsuit because I was job less then they added late fees and penalties and also uped my mortgage without notice
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached Identity Theft Report The following account is fraudulent and fraudulent charges were made the creditor agreed to remove this account. 

XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX
Product: Checking or savings account

-Citibank offered an on line promotion for a {$700.00} bonus with a minimum deposit balance of {$50000.00} ( between checking and savings accounts ) maintained for sixty ( 60 ) consecutive calendar days. The offer period was XX/XX/XXXX - XX/XX/XXXX. 

-I opened two accounts and received confirmation from Citi XXXX XX/XX/XXXX that my accounts were opened. The {$50000.00} I transferred to fund these accounts was reflected in Citi 's XXXX monthly statement. 

-After inquiring on XX/XX/XXXX why the {$700.00} bonus was not posted I received the attached letter dated XX/XX/XXXX noting this offer was only addressed to specific individuals. I was confused as this offer was available to the general public. 

-I documented this in the attached letter to Citi dated XX/XX/XXXX. I included the names of two employees whom I communicated with via Citi 's help chat. Both individuals confirmed the {$700.00} would be posted to my account ( but provided different posting dates XXXX. To date I have not received a reply from Citi. 

-I appreciate your assistance resolving this matter.
Product: Student loan

Hello, I 've had a student loan with ACS Education Services for approximately 13 years. I 've made monthly required payments since that time. I fell behind one month payment recently and I 've been trying to contact customer service to speak about forbearance. I checked my account today in fact- exactly 30 days late. I 've contacted ACS customer service 4 times in the past month, including twice today. Every time I call the representative says they are not " allowed '' to talk to me and route me to the voicemail of a paralegal named XXXX XXXX in the legal department. They will not even answer why they ca n't help me and I have to speak to this woman. It 's very bizarre. I can only assume this is because I 'm 30 days late, which is not very severe in my opinion. I 'm not in collections or anything because ACS is still billing me as usual. They just refuse to help me or speak to me. Because they refuse to help me or give me any customer service as they are legally obligated to do I have no choice but to report their actions. Its so sad that it takes this for me to try and get a simple question amswered about my student loan. The whole thing is truly bizarre. But the one thing I do know is that this company is not following policy in regards to providing help and access to their consumers. I 've never has a account somewhere where they just wo n't speak to you and give you no reason why. I 'm wondering if they are understaffed and and failing to invest in the trained individuals they are required to have on staff. I 'm hoping you can help me get a response from this company.
Product: Debt collection

Telling me I have a returned item from my bank which I do n't have anything ... I have verified with my bank I have had NO returned items ... And it 's in my best interest to call them back ...
Product: Debt collection

This account has been removed several times but keep reappearing. They are reporting inaccurate information on all three bureaus. XXXX is different on two bureaus. Labeled as a factoring company on one bureau. One account marked closed and others opened. If this account is verified information should be alike across all bureaus. This account has bought me financial distress because of their negligence. I am asking to cease all collections and removal from all bureaus.