23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Upon reading Citi Bank 's response letter sent to me yesterday I collected from it very little acknowledgement and still no understanding of the series of concerns and questions I have been reporting to them. Nothing at all was mentioned regarding the following, the fraud that took place at the same time as my credit increase request. Not even an explanation as to why I received numerous letters from Citi Bank to contact them regarding my credit increase, then when I contacted the phone number referenced on their letter no one at all helped or directed me to the correct direction. Furthermore, the many supervisors I spoke to who said they reviewed my concern regarding the discrepancy of my credit limit increase assuring me that it will be fixed and granted and noted on my account for the credit analysts. Moreover, calling customer service numerous times ( more than 15 times ) and not a single representative was able to accurately assist and resolve my concern. Finally, a reason and correction as to why did the customer representatives upon calling continuously requested a credit increase which lead to credit inquiries on my credit file was done to begin with and most importantly without my authorization or consent. To summarize I strongly feel that my report to Citi Bank to this date has been reviewed poorly and not in any way considered fairly and in goodwill. I am still expecting a more thorough review and a reasonable response with either it has been corrected or even not and a detailed response as to why it can not be corrected. I was told by XXXX at Citi Bank whom I have spoken to two times for a very short period that she was going to review the recorded calls. I still want to know in addition to my other questions above that if she reviewed the calls them why her response to me in no way solved any of my concerns? I can assure you that if in fact the calls were reviewed she or whomever will hear all that took place and how I was treated and misguided.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report at Equifax and noticed that there are 3 reports that are illegal and in violation of the FCRA 15USC1681B ( A ) ( 2 ) and regulation F. The reported information in these accounts are not verified, nor were they permitted by me to be reported, and any collectors associated with these accounts failed to notify me of their reporting of these accounts inviolation of regulation F of CFRA. 
The above mentioned accounts are as follows : XXXX. XXXX XXXX {$910.00} XXXX. XXXX XXXX XXXX {$5000.00} XXXX XXXXXXXX XXXX  {$470.00} XXXX did not authorize or permit the reporting of late and or missed payments in these accounts directly or indirectly and i never received notice from any debt collectors affiliated with these accounts as to the reporting of such late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a letter to XXXX, Transunion, and XXXX on XX/XX/2022. Its been well over 30 days, I still haven't received anything back. 


According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, XXXX have 30 days to respond to my dispute. 

This is a violation of my rights.
Product: Vehicle loan or lease

I refinanced my vehicle from ally financial to XXXX XXXX XXXX XXXX. XXXX XXXX  requires a car lien for me to take to the XXXX. Failure to provide the lien by XXXX will raise my interest rate and possibly damage my credit. On XX/XX/2023 ally informed me they mailed my title/lien release XXXX I have yet to receive it as of time of writing, XX/XX/2023. I contacted Ally on the XXXX asking where my title/lien release is and they said they can not sent it to me, and instead already sent it to XXXX XXXX XXXX XXXX XXXX denies ever receiving this. I requested ally send it to either me or XXXX XXXX and provided the address that XXXX XXXX prefers. I would like to receive my lien release well before my XXXX deadline.
Product: Debt collection

Discover provided my credit card information to outside individual. They provided my XXXX number to a hotel that stated a written contract for stay was agreed upon. The company provide my credit and several {$300.00} was illegal charged to my card. The written agreement was never provided but, the company never reversed the charges
Product: Checking or savings account

On or about Tuesday, XX/XX/XXXX when accessing my Chase Mobile App, Check No. XXXX " written '' in the amount of {$25.00} was pending for {$250.00}. This amount was eventually cleared and the amount {$250.00} was paid for check that clearly was written for {$25.00}. 

Chase was immediately contacted regarding this error. Chase Claims Department subsequently advised that since this was not a Fraudulent charge, a temporary credit could not be provided to the account, but rather this is an issue for the Research Department. I was then transferred to Customer Service who spoke with the Research Department where i was advised that the issue with the draft was in how the check was presented. This is inaccurate as clearly the back of the check demonstrates the check was deposited and not cashed " in person ''. 

I again contacted Chase Customer Service on bXX/XX/XXXX to again resolve this issue, still to no avail, however, i was advised that i would be assigned an individual who would assist in bringing this matter to a conclusion and my funds ultimately returned to my account. 

I again contacted Chase Customer Service on XX/XX/XXXX & XXXX, where i asked to be transferred to its executive team as i continue to not have access to the funds that were taken in error. I subsequently was advised that the matter would be assigned to an executive team member who would call me later in the afternoon. I never received that telephone call after now being on the second day of trying to resolve this matter. 

On XX/XX/XXXX, i was transferred to the executive team office where i was advised that this matter had been assigned to XXXX. In speaking with XXXX, it became evidence that she is in need of additional customer service service as her attitude was less than that of someone purporting to be part of an executive team. Not to mention she was unfamiliar and/or unwilling to advised me the policy and procedures of Chase when a customer experiences these types of issues, nor could she advise me of an actual date for which this matter would be resolve and i could reasonably expect access to my funds. 

At this point, i would like the funds erroneously taken from my funds to be replaced and/or someone provide a time certain as to when this matter will be resolved.
Product: Credit card

I applied for Citi XXXX with XXXX month 0 % promotional APR and charged on the card on XX/XX/XXXX. On the statement with due date XXXX, it stated the promotion would end in XXXX billing periods. Originally I planned to pay off the full balance by XXXX. However, I forgot about it when I made payment on XX/XX/XXXX and there was remaining balance on the account, and only realized when I received the statement with over {$100.00} interest charge, calculated with the regular interest rate of 18.99 %. To prevent further interest charge, I paid the full balance by the due date. Out of my surprise, I received yet another interest charge close to {$100.00}. After calling the customer service, I was told if there was any balance, it required paying the full balance for XXXX months to prevent any further interest charge. 
Afterwards I read carefully on the statements, and realized that when the balance was not paid off on XX/XX/XXXX, Citi started to accrue the interest, not from XX/XX/XXXX, but from previous due date of XX/XX/XXXX. This calculation may be correct if the interest rate of previous month was already 18.99 %. But in this case, the interest rate of previous month should still be the promotional rate of 0.0 %. So Citi actually collected XXXX more month of interest. 
Citi may argue the promotional rate already ended even earlier. That is exactly the trick they play. Unlike other credit card companies that specifically states the date the promotional rate ends, Citi ambiguously states the rate ends in a certain billing period, with no specific date given. So Citi may argue the promotional rate ends at beginning of the billing period, rather than end of the billing period as we customers would assume. 
For people to prevent from making the same mistake, I recommend applying for cards that states clearly when the promotional period starts and ends, and avoid credit cards vaguely describe how interest charge is calculated, so that you will not be surprised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, Review dispute documents and remove the information from my credit report. The accounts is in direct violation of my HIPPA RIGHTS BY LAW FOR THE ACCOUNTS XXXX XXXX XXXX  and XXXX XXXX, on my credit report. I have not received a reply from the BUREAUs and it has been 30 days and I have not had any acknowledgment that an investigation has begun. I also sent a 30 day comply letter as well. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time. Since this is my second written request, I will also be sending a copy of the letters I sent out on my behalf to the Federal Trade Commission notifying them that I have signed receipts for letters sent them and they have not complied with my request. I regret that I am being forced to take such action.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXX Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a checking account at XXXX XXXX and was declined based on information from Early Warning Systems. I spoke with XXXX at Early Warning Systems and she informed me that their address is : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX I have a perfect credit score, make XXXX, have no debt, use credit responsibly, and do not bounce checks -- EVER. I feel I've been targeted and discriminated against by this agency.
Product: Credit card or prepaid card

I purchased two pair of sneakers in XX/XX/. The sneakers were not as described on the website and I contacted the merchant and they would not give me a refund unless they had made a mistake. I contacted PayPal and put in a dispute about this. PayPal told me to go through Synchrony Bank the parent company with my complaint which I did. They gave me a refund on XX/XX/XXXX and PayPal rescinded that payment on XX/XX/XXXX. I am not sure what is going on with this. I just contacted them again and now they are telling me to send them the same information that I previously submitted. I thought consumers had the right to return merchandise that did not fit the description that was given. The sneakers can not even be worn for anytime and they said great for diabetics.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of some accounts on my credit report, they did and stated that everything was accurate. 
I did a research myself found improper and inaccuracies on my credit report after they did their research. 
I have attached the accounts information.. 

In accordance with the Fair Credit Reporting Act, XXXX Accounts listed on the attachment, 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.
Product: Mortgage

I just sign into my email and saw Wells Fargo Home Mortgage placed a forced home insurance on my private property that I did not consent to also this force place insurance has recently as 1 week ago refuse to repair water damage done to my property in XXXX just as in XXXX when it wasnt repaired, these are FDCPA, FCRA and Respa and much more violations its also Identity Theft and assumption deterrence act of XXXX and 18 U.S Code 2312. Its unlawful and illegal for Wells Fargo to also place there name on forced insurance and Owner of my private property I am the Entitlement Holder in due course all credits came from me and all debt and interest are owed to me. I didnt give anyone permission to place insurance of there choice thats isnt repairing no way violations violations violations no stop.
Product: Checking or savings account

On XX/XX/21 I received a letter from the Huntington National Bank of XXXX Ohio stating on XX/XX/21 I opened an Astrick free checking. I called the XXXX number and spoke with XXXX. I told her I never opened any accounts and want that closed! She said, " yeah, we've had problems with fraud. You should have a four digit account number on the letter. '' So I gave it to her, then she said she couldn't open up or close it without my social. Being a retired XXXX XXXX XXXXXXXX I know a little about scams. I told her I would not disclose my social and since she knew about scam and now had the four digit acct ending in XXXX she should be able to cross reference and close it. She became hateful and refused to help other than, " you'll just have to come to a branch. '' When my wife became frustrated and then said to XXXX, " look we live in illinois, he's in not going to drive to XXXX Ohio! You have his name, know you have scans and you have the last four digits of so called account! '' XXXX then became very defensive and when my wife said she'd take this issue to dept of finance and XXXX, XXXX slammed the phone down. We are not disclosing my social on an account we never opened, never put a dime into it. Close it XXXX!!! Now I feel I have to continuously monitor my credit report because of her suspicious reaction.
Product: Credit reporting or other personal consumer reports

I have asked for the debt validation to be done and requested that the bureau also send me the information used to validate this invalid debt. This is not my debt and they are reporting on the credit report as mine. US CODE 1681 Sec. 7 states they must send me the information concerning the investigation and information they used to validate this debt and have not done so. 

Invalid Accounts on my report : XXXX Acct # XXXX XXXX Acct # XXXX Reporting agency : Calvary Portfolio XXXX XXXX XXXX XXXX XXXX 
XXXX NY XXXX
Product: Debt collection

I was contacted about a debt that did not belong to me. I informed the company, I requested that the company open an investigation in XX/XX/2022, no one has gotten back to me. I asked the company what dates was the account opened, I was given two different dates. On both dates, I was at work. I asked what was charged, no one from the company could tell me. I have disputed this account a few times with no relief. This is not my account. Also, I never received any type of information about this account, besides them calling me for payment.
Product: Vehicle loan or lease

Tried to obtain a letter of authorization on letterhead to re title vehicle in a different state co signers last name changed due to a marriage sat XXXX hours on hold and being transfered around just to get her name changed where I was told illegally I had to refinance to update her name and a previous complaint was finally updated then allegedly a letter was sent to my mailing address containing the letter of authorization that never arrived even after I told them to fax it directly to the XXXX was completely ignored and sat on hold for another hour and a half with the XXXX because all I'm missing is that letter to update her name and told it would be faxed today at some point.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted these companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) updated from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$770.00} XXXX XXXX {$1300.00}
Product: Credit card or prepaid card

The First National Bank of Omaha advertised for and provided disclosures on a credit card to suppor the XXXX XXXX XXXX. The First National Bank of Omaha has recently stated that it will not longer offer that card. Nowhere in the initial disclosures was there a clear and prominent statement that they may submit to cultural pressure and stop offering the credit card. There disclosures were extremenly deceptive in their advertisting. This decision has caused me severe financial harm as I am having to find a replacement card for an organization that I support, spend time changing all my pre-arranged paments to that card, and start using that card over the FNBO card.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal identifying information was stolen and used for bogus fraudulent activities without my knowledge or consent. In XX/XX/2021 I looked at my free credit report to see what was going on and I was blown away in shock because all 3 bureaus had not only inaccurate and misleading accounts but also many many inquiries that I neither made, nor authorized for any purpose. 

I am extremely distressed and worried about this situation and how it is currently affecting my credit and how it will affect my life in the future. I am a single Dad to XXXX XXXX XXXX and I was hoping to buy a house sometime in the next year for our little family. I feel like all of my harcd work and my dreams are crushed suddenly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my daughter 's account, I was making the payments for her while she was going through XXXX XXXX treatments. The company somehow attached my name to this account and now it is showing on my credit report. I tried to dispute it through the credit bureau but was denied. I have tried reaching out to the company, but due to my daughter recently filing bankruptcy, they will not speak to me in regards to this matter.
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 XXXX XXXXXXXX Account # XXXX, XXXX XXXX Bank Account # XXXX, XXXX XXXX Bank Account XXXX XXXXXXXX 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 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has failed to report to the credit reporting agency the true and accurate information on my report it is against the law to report fraudulent information attached is a letter from XXXX XXXX executive saying that they account is paid in full and that they are refusing to send me my 1099 oid 1099a and 1099c tax documents, even though they said in the letter that they only send those documents to people who owed them debt. Also they failed to provide the Accounting of my XXXX XXXX account so i only think that they have something to hide. I demand the ledger of the account along with the 1099s i request. So can i get treated equally with full faith and credit.