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

Citibank inactivated my savings account because of no recent activity. When I learned this occurred, I contacted the bank and followed the instructions to send a letter requesting reactivation. The bank received my letter on XX/XX/XXXX ( by XXXX, tracked mail ). It was expected that they would resolve or contact me in XXXX business days after receiving the letter. 

I did not hear anything and contacted Citibank on XXXX. The customer service representative had no information on my previous call, and did not have any information on whether they were working on the reactivation request. I gave her the USPS tracking to locate the letter. I was told to wait another 2-3 business days for resolution. 

I again heard nothing. I called back on XX/XX/XXXX and another customer service representative said he had no information about my previous calls, and did not have documentation of the tracking number to locate the letter. I asked to speak to a supervisor who said he would contact me after XXXX business day to let me know the status of my request and they would be able to reactivate my account. I had to provide all the same information again to him. 

I did not hear back so called Citibank again today ( XX/XX/XXXX ) and was not able to reach him despite having his ID number -- it is clear that Citibank has poor documentation of client communications and the client can not speak to the same representative so nothing gets resolved, and no one is responsible. I was told today that they do not know the status of my request but I should wait to hear and unknown amount of time. I asked to speak to another higher level supervisor who could help me reactivate my account to access my savings. I was told they can only call me back in 1-2 business days. 

The bottom line -- I have followed all the instructions to reactivate my account but Citibank has not resolved the issue, or been able to tell me what the status is, or when it will be resolved. Or if I need to do anything else in order to complete this request. In essence Citibank is preventing me from accessing my savings account despite following all their instructions. It has been nearly 4 weeks since I contacted Citibank by phone, then by Priority mail about this issue, without any resolution or explanation.
Product: Debt collection

On the date of XX/XX/2020 I disputed charges that are inaccurate and obsolete that are affecting my Credit score. These charges were disputed with Credit Bureaus XXXX, XXXX, and XXXX. The false charges are listed below. 

Disputed Item RENTDEBT AUTOMATED COLLECTION ( XXXX XXXX XXXX XXXX, TN XXXX ) Allege Amount Owed {$3600.00} I have No knowledge of this accounts.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint concerning inquiries that are fraudulently placed on my credit files I did not authorize these inquiries to be made, I sent letters to the creditor notifying them of these inquiries are fraudulent. Inquiries : XXXX Credit Bureau Inquiry Date of Inquiry XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX XXXX XXXX XXXX inaction violates federal law and my rights as a consumer. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am unaware of this debt. I did not have the opportunity to dispute this debt before appearing on my consumer report. I did not receive proper notification. If in fact, you believe I received proper notification please provide the certified mail with a receipt with my signature on there stating that I received it at least five days before it appeared on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

No loan was taken out but there are several soft inquiries from the company on my report as recent as XX/XX/2018, hadnt been in contact with the company nor have I given them the approval for running anything in my name. Tried contacting them several times and hadnt had any luck with them stopping
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX HAS COMMITTED IDENTITY FRAUD! XXXX XXXX XXXX HAS ILLEGALLY AND FRAUDULENTLY ACCESSED MY PERSONAL INFORMATION FROM XXXX XXXX ( ACCOUNT XXXX ). XXXX XXXX XXXX  DID NOT RECEIVE DISCLOSURE FORMS FROM XXXX XXXX WITH MY CONSENT STATING THAT I GIVE PERMISSION TO SHARE MY PERSONAL INFORMATION. XXXX XXXX XXXX HAS VIOLATED MY RIGHTS BY COMMITTING IDENTITY FRAUD!!! ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. XXXX XXXX XXXX of XXXX XXXX XXXX. XXXX XXXX XXXX with respect to disclose personal Information. There are 3 disclosure forms that I have not received. 1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party. 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party. 3. The financial institution giving me an explanation how to exercise the non-disclosure options. 15 usc 6802 Disclosure of Institution Practice Policy
Product: Debt collection

I bought a used car thru Westlake Financial with an interest rate of 22 % and additional insurance I thought it was Gap. In  XX/XX/XXXX while driving home something happened to the chasis and I lost control. The car was considered a total loss and paid off thru my insurance. The SUV was valued at {$14000.00} XXXX for a used car and the miles. I continued paying off my car payment of {$500.00} a month. But unfortunately I don't have transportation so I stopped making the payments. These last seven months I have tried working with an outside credit counseling organization so they can have them stop calling me at work at all times and at least making a comprise of lower payments less than 500. According to Westlake Financial I  owed them {$3000.00} and now the amount has climbed to {$4200.00} for the difference of the SUV. They valued the SUV at more than {$19000.00} and XXXX valued it at less than {$14000.00}. My car insurance also had to pay the car registration which Westlake Financial also was charging me {$600.00} dollars for interest. I feel bad Westlake has left two envelopes twice at my door. My brother saw them ringing the bell and leaving the envelopes. Their collection calls began with area code XXXX and have made calls in one week totaling 50 calls with voicemails. The caller seems angry in their voicemail. My company pays for my phone and they have warned me that my calls exceed what is costumary for work. I would like for them to stop calling me more than 50 times in one week, to stop leaving envelopes at my door and ringing my door. I would like to make payments of {$120.00} for 3 years. I have no car and still owe the SUV because I was unaware of their tactics of telling me that it included GAP. Please help I don't know where else to seek help. Unfortunately I feel like a fool for not reading the fine print and relying on their word. 

Sincerely XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Payments could not be stopped from my checking account. Also, there were fees I was unaware of until after the loan, and I was told my balance remained the same after three weeks.
Product: Checking or savings account

An authorized signer on my checking account had their debit card number and PIN number stolen. On XX/XX/XXXX we noticed four unauthorized cash withdrawals from our checking account, even though we have possession of the debit card. The transactions are listed here : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY for {$200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY for {$41.00} XX/XX/XXXX XXXX Citibank ATM XXXX XXXX XXXX XXXX, NY for {$60.00} XX/XX/XXXX XXXX Citibank ATM XXXX XXXX XXXX XXXX, NY for {$80.00} On XX/XX/XXXX I confirmed with my authorized signer that these transactions were not authorized and I called Citibank to report all four transactions as fraud. They told me they needed to create an inquiry for all four transactions and they would need at least 10 business days to notify me of a decision on the inquiry. I waited 10 business days and on XX/XX/XXXX I called to inquire about the status of the inquiry. The representative informed me that they needed more time to make a decision about the transactions made on the XXXX and that the transactions made on the XXXX were removed from the inquiry by another representative with a note saying that it was some sort of mistake. I was then forced to create another inquiry on XX/XX/XXXX about the two transactions that occurred on the XXXX and asked to wait another 10 business days for a response. 

I tried explaining in my follow up call that these transactions could not have been performed by my authorized signer because they have never been to the locations in the disputed transactions. I also stated that on XX/XX/XXXX my authorized signer had possession of the debit card and that they had made a purchase at XXXX in XXXX, NY on XXXX XXXX at XXXX AM for {$10.00}, and exactly 22 minutes later the first unauthorized transaction occurred in XXXX, NY. This alone was proof of fraud. 

My authorized signer followed up again on XX/XX/XXXX about both inquiries and we were informed that the first claim was denied because their card and PIN number was used at the locations. Again my signer tried explaining that the card must have been copied because we currently have possession of the debit card. They offered my signer a chance to appeal and to provide more documentation but no money was refunded. They also informed my signer that I had already made a second inquiry for the other transactions and that they needed to wait a few more days for a response on those transactions. 

Also, during my original call on XX/XX/XXXX an unauthorized cash withdrawal was made for {$80.00} at XXXX XXXX at a Citibank ATM on XXXX XXXX XXXX XXXX, NY. The Citibank fraud department contacted my authorized signer about this transaction only and they confirmed with her that she didn't make the transaction and this single transaction was refunded. They then expedited her a new debit card.
Product: Debt collection

On XX/XX/XXXX I called for an ambulance from City  of XXXX - XXXX ( XXXX ). The XXXX-XXXX  sent me an invoice # XXXX in the mail. I sent an email on XX/XX/XXXX advising them to file claim with my insurance company XXXX XXXX XXXX. But they failed to file within 45 days for paper claim ( non-electronic claims ). They ( XXXX ) UNJUSTLY and UNFAIRLY forwarded their invoice for COLLECTION to National Recovery Agency ( NRA  ). I sent a letter on XX/XX/XXXX to NRA  letting them to know that XXXX  was supposed to file the claim with my insurance company but they failed. The NRA  put this collection item on my Credit file without listening to me, reviewing the case or offering any amount for settlement BECAUSE I AM AN XXXX and XXXX! 
I would greatly appreciate your involvement in this case to ask NRA  to remove the collection item IMMEDIATELY and apologize me for this UNJST and UNFAIR practice. 
Thanking you in anticipation.
Product: Checking or savings account

Hello. 
Thank you for your assistance. 
On XXXX XXXX XXXX my debut card was lost/stolen. The thefts rang {$450.00} worth of things on my acct. mainly from gas stations and grocery stores where PINs arent required. 

My complaint is Chase Bank is Holding me responsible for the charges. No Pin was ever entered and card was reported stolen and turned off XXXX XXXX. 
They are trying to say that due to a financial misunderstanding with a merchant back in XXXX who was double charging me ( XXXX ) They saying thats card was never closed and because of that Im responsible for all these fraudulent charges amounting to {$450.00}. 

I am On XXXX, I only get {$1000.00} / month. 
No way did I do this, but the bank is refusing to give me back me money. 

Please Help. I did Everything I was Suppose to do, reported card lost / Stolen as soon as i was Aware and turned card off.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts that were listed on my credit report and they do not belong to me!! I don't know how this information was placed but I need it REMOVED IMMEDIATELY..I don't know who these accounts are, I never had business with them.. CFPB Please help me solve this issue by removing XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : 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

XXXX is furnishing my Consumer Report without any authorization. 
XXXX is not allowing the right to exercise my right to Privacy and remove late payment reporting and utilization reporting.
Product: Debt collection

The Credit Collection Service ( CCS ) with address XXXX XXXX XXXX, XXXX, MA XXXX, attempted to collect a debt that was not mine. According to the fair credit collection practice act, 15 USC 1692g sec. 809 ( b ) the credit collection company was asked to validate the debit through certified mail which they could not verify. The Credit Collection Service ( CCS ) sold the debt to another company called XXXX XXXX with address XXXX XXXX XXXX XXXX XXXX, MA XXXX, knowing the debt is not mine and these reporting has been affecting my credit rating.
Product: Credit card

Synchrony has been calling me atleast 3-4 times a day. Going well beyond the 7 calls per week limit. They leave voice-mails every single time they call and I do not answer which over loads my inbox and prohibits important messages from other callers reaching me. The voice-mail is always a recording and it does not state who it is from or the reason for their call.
Product: Credit card or prepaid card

Upon receiving credit card ( AAdvantage Aviator Master Card ), I did not agree with the terms and conditions outlined in the information provided with the card. I decided NOT to activate the account by phone nor online. The account was never used and the credit card company subsequently placed a charge on the account that I never activated. I spoke with customer service who agreed the charges were erroneous against an inactive account and that they were removing charges and fees and ensured me the account was not active and would be closed completely with a XXXX balance on XX/XX/XXXX. I subsequently received several emails that this fraudulently active account was past due on XX/XX/XXXX, XXXX, and XXXX, XXXX. I called customer service back on XX/XX/XXXX regarding supposed inactive account and they indicated a mistake had been made and they would rectify it within XXXX to XXXX business days but would not email me verification of XXXX balance and closure of the account that I never activated. I'd like to make sure this fraudulently activated account is closed with no negative impacts to my excellent credit and that other consumers are aware of their dishonest business practices.
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. 

Account name | Account number XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 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: Student loan

I had my student loans consolidated with Mohela to apply for the XXXX. I received paperwork from Mohela on XX/XX/XXXX saying my consolidation loan was disbursed. When I attempt to fill out the XXXX  application it says I have not made the required 120 payments and I cant complete the application. I know this is wrong, I have been a XXXX  since XXXX, and making payments the whole time. I need to contact someone at Mohela to fix my account so I complete the XXXX  application and the deadline is XX/XX/XXXX. I have tried to call multiple times, I have taken 2 1/2 days off of work in an attempt to get a hold of them. I am taking tomorrow off in an attempt to get a hold of them. In one of XXXX calls today my wait time was an estimated 72 minutes, after 98 minutes ( waiting to talk to someone ) my call was dropped. I have been trying to get a hold of Mohela to fix my account for a month. 

I have left a message at the help Center on Mohelas website asking for help. They have not responded. 

Thank you for any help you can provide, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for the many corrections you made in credit report XXXX. IRS verified identity theft necessitates 8 matters requiring resolution : 1. Delete XXXX and replace with XXXX 2. XXXX XXXX/XXXX was never authorized by me. Please provide XXXX XXXX/XXXX  signed authorization or immediately delete this FRAUD from report 3. XXXX XXXX/XXXX  was never authorized by me. Please provide XXXX XXXX/XXXX  signed authorization or immediately delete this FRAUD from report 4. XXXX was never authorized by me to make inquiry. Please provide my signed authorization or immediately delete this FRAUD from report 5. TransUnion Interactive IN was never authorized by me to make inquiry. Please provide my signed authorization or immediately delete this FRAUD from report 6. XXXX XXXX was never authorized by me to make inquiry. Please provide my signed authorization or immediately delete this FRAUD from report 7. XXXX XXXX was never authorized by me to make inquiry. Please provide my signed authorization or immediately delete this FRAUD from report 8. XXXX XXXX was never authorized by me to make inquiry. Please provide my signed authorization or immediately delete this FRAUD from report Please reference attached .pdf file
Product: Credit reporting or other personal consumer reports

These hard inquiries are not mine, were not authorized by me, and need to be removed. thank you 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 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: Debt collection

This company called repeatedly at inappropriate after hour times and left abusive voicemails on my answering machine threating to take legal action if I did not pay them. This company is also reporting inconsistent and unverified information on my credit report. I disputed this information directly with the company but I still hadn't received the original document from the original creditor. Also the names, date, and balance associated with this account is inconsistent and inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is over 45 days from my first dispute XXXX XXXX XXXX about the mistakes in my report ( XXXX, XXXX, Equifax XXXX : XXXX XXXX XXXX - XXXX : Unverified account XXXX - XXXX : Unverified account XXXX XXXX - XXXX : Unverified account However, I still not receive any physical verification of the original signed consumer contract - any and all accounts Credit Bureaus ( XXXX, XXXX, Equifax XXXX XXXX on a credit report