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

I have had a Citi AA Card since XXXX with no issues. My bill is paid on time XXXX most times paid early ) and the minimum payment or more is paid each month. They have routinely increased my credit limit without request from me due to my good history with their company. On XX/XX/XXXX, I made a payment of {$2900.00} I wanted to use this credit card to pay vendors for my upcoming wedding so I could earn miles for a honeymoon trip! On XX/XX/XXXX, the company decreased my credit limit by {$1500.00}, making my current balance OVER MY CREDIT LIMIT, and the card is not able to be used. There was NO advanced notice they would be taking this action. I tried to use the card, and it was declined. 

When I called Citi AA, they say the decrease was due to large debt owed to other creditors. They claimed to do a soft credit check twice per year to evaluate line of credit increases / decreases. Yet, they have never decreased my credit in the past. I have no more credit card debt now, than I did 6 months - 1 year ago ... I actually have less. I did purchase a new vehicle several months ago but that is the only increase I have had in credit. That bill is also paid ON TIME! 

The representative I spoke with was clearly reading from a script. I asked for her supervisor, XXXX. He was also clearly reading from a script and of NO HELP. He kept repeating the same thing over and over. I tried to call the number listed on the letter dated XX/XX/XXXX which I found ONLINE, and after being on hold for 5 minutes, it stated " We are having trouble connecting you to a representative. You can call back at your convenience. '' What a joke! 

This adverse credit decision will RUIN MY WEDDING! I do not know how I will pay my vendors now that my entire wedding vendor budget was paid on this credit card with the intention of paying individuals vendors with the credit card. 

There has to be something that can be done! If my payments were late or missed, I would completely understand the decrease in credit limit. BUT I always pay and pay over the minimum amount due. Sometimes, I even make multiple payments in a month to ensure the balance does not exceed my credit line as I have several bills set up on the credit card as automatic payments. 

I am very frustrated and have no idea how I will get married now that this has happened WITH NO ADVANCED NOTICE TO ME!! They mailed a letter the same day they decreased the credit limit. Of course, they were more than happy to charge my {$99.00} annual fee to my account regardless of decreasing my credit with no consideration of my EXCELLENT payment history with their company!! Who says I want to continue being a customer of theirs after being treated this way?? PLEASE HELP!!
Product: Credit reporting or other personal consumer reports

Manual verification is required for all listed items below. Under Rule 9037, USC 1681, 1682,1683,1684. Verification is needed for times and dates talked with these creditors. 

MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 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. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX These accounts listed in my XXXX  were all opened without my knowledge. This XXXX  ABSOLUTELY needs to be removed off my public record as a result. This is illegal for XXXX to continue reporting this when Equifax nor XXXX has it listed. Please remove this off my report ASAP! 


XXXX XXXX XXXX  {$XXXX} Date Opened XX/XX/XXXX Under Rule 9037 my privacy and information needs to be protected. We are requesting XXXX XXXX. Not any automated system manual verification. We need full social security number provided, name of person spoken with, the dates and times. If not this removed off my credit profile Under Rule 9037 XXXX  & XXXX  : XXXX  Reported on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$XXXX} XXXXXXXX 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX IN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off XXXX XXXX  XXXX late payment : XXXXXXXX XXXX XXXX XXXX inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Personal Information : Name : XXXX XXXX Former : XXXX XXXX XXXX Former XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former XXXX XXXX XXXX Former : XXXX XXXX Also Known XXXX XXXX XXXX XXXX Also Known XXXX XXXX XXXX XXXX XXXX Current XXXX XXXX es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Previous Address XXXX es ) : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX Employers : XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX Employers : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX  Employers : XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau po box 2900 Clinton, IA XXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report XXXX XXXX XXXX XXXX XXXX  Dear CFPB Representative, I am writing to formally lodge a complaint concerning inaccurate and unverifiable information that is currently listed on my credit report under the account XXXX XXXX Account Number XXXX. This complaint pertains to the information reported by XXXX and Equifax. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I am entitled to a fair and accurate credit report. I have noticed several discrepancies and errors in the way this account is reported across different credit reporting agencies. Details of the account information are as follows : XXXX : XXXX High Balance : {$640.00} o Date of Last Activity : XX/XX/XXXX o Date Reported : XX/XX/XXXX o Date Opened : XX/XX/XXXX o Balance Owed : {$640.00} o Account Status : Closed, Collection/Chargeoff o Payment Status : Charged off as bad debt o Dispute Status : Dispute resolved; customer disagrees Equifax : XXXX High Balance : {$640.00} o Date of Last Activity : XX/XX/XXXX o Date Reported : XX/XX/XXXX o Date Opened : XX/XX/XXXX o Balance Owed : {$640.00} o Account Status : Closed, Collection/Chargeoff o Payment Status : Charged off account o Dispute Status : Consumer disputes after resolution These discrepancies, particularly in the reporting dates and the account status, lead me to believe that the information being reported is inaccurate and potentially damaging to my credit score. Moreover, there are conflicting records between the agencies, which further supports my claim that the information provided by the creditor can not be verified. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that under the FCRA, you are required to recheck these items with the creditor who has posted them. If the creditor is unable to verify the accuracy of the information, it must be removed from my report. 

Additionally, I am requesting that you ensure compliance with the 30-day reinvestigation requirement as mandated by 15 U.S.C. 1681i ( a ). Please remove any information that the creditor can not substantiate within this time frame. 

I trust that you will treat this matter with the urgency it requires and ensure that my rights under the FCRA are fully upheld. Please provide me with written confirmation once the inaccurate information has been removed from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution. 

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

Please provide to me a copy of my written consent that I authorized the inquiries listed below and for the furnishment of an account in my Experian credit report pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX, XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 If you are unable to provide me with written documentation that I authorized the furnishment of this information on my credit report, please delete these accounts and inquiries, immediately.
Product: Checking or savings account

On XX/XX/2021 a fraudulent check of XXXX XXXX dollars was deposited in my checking account at XXXX XXXX  Citibank cleared the check even though I had only about XXXX XXXX dollars available in my account. Citibank made the money available for transactions during the next three hours even though the money was not there in my account and I did not have an over draft protection plan. At XXXX XXXX I notified Citibank of all fraudulent transactions and ask them to cancel and stop all activities. As a result, my checking account has a XXXX Dollars overdraft balance which should not have happened if Citibank would have not cleared a check of this large amount. Every bank policy is to keep a hold on a large number of checks for three days to be cleared. Therefore Citibank is at fault to allow such a situation happened especially I did not have the money or overdraft protection available to me for all the transactions to go through. It could have been stopped by Citibank by not clearing the fraud check and not allowing the following transaction to go through my account because of not having the fund.
Product: Checking or savings account

On Monday, XX/XX/XXXX US BANK/ Reliacard , issued a hold on my Maine unemployment benefits debit card for no specific reason. 
They did not notify me. I found out by attempting a purchase. 
I called and was instructed to fax a copy of my driver 's license, SS card, and W-2 from XXXX. 
I did so on Monday XX/XX/XXXX. 
They claim that it will take 10 to 15 biz days to reactivate my card. 
This is absurd. 
Their manager was until to help expedite. 
I am unable to pay my rent due to this inompetence. They are holding {$2500.00} of my money.
Product: Prepaid card

On XXXX XXXX, 2016 at XXXX, I purchased XXXX {$25.00} prepaid American Express gift cards from my local XXXX store for {$83.00}. ( {$25.00} + {$2.00} fee ) XXXX. 

None of the cards have ANY balance on them. They were never activated, even though I paid for them. I contacted the store, but these gift cards are unreturnable. I called American Express, but I always get transferred to people who do n't speak native English and it 's hard to understand, and they are unable to transfer me to anyone who speaks native English. 

Their customer support refuses to activate the gift cards, even though I paid for them. All XXXX cards are useless, and I have no recourse.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seem appropriate redress for these violations.
Product: Debt collection

I contacted this company at the start of XX/XX/2018 for collections found on my credit. I sent validation and I'm return I received a lease and a list of hand written damages. The lease was typed and was for an XXXX XXXX, which is not me. I responded to the company with questions about maybe my social or my ID. Because every apartment I've rented has taken copies of both. But received not answer back. It also looks like the lease was tampered with and dates were written over. Very shady!
Product: Checking or savings account

Today, I received my replacement atm debit card from Santander Bank because I had lost my card. When I opened the envelope, there is a big sticker on the card asking to call an XXXX phone number in order to activate the card. I called the number and a gentleman said I had won a XXXX promotion and that I would need to pay XXXX for shipping and handling. When I declined, he said to have a nice day. I stopped and asked that I activate my card and he said " sorry mam, I will not be able to activate your card if you so not pay for this promotion '' ( exact words ). I immediately told him that he is denying me access to my checking account. Asked to speak to a XXXX and he said that the XXXX will say the same thing to me. Then processed to hang up on me. I called the same number again, and this time a woman said she would be able to help me if I accept a free life saving device but also pay for shipping. I asked both person if this was Santander Bank and they both reassured me that I had called the correct phone number. They both confirmed that I would have to purchase a free product by paying for shipping of the item in order to " activate '' my XXXX debit card. Both parties hung up on me when I enforced speaking to a XXXX. I will now. have to head to a bank branch to remedy the situation about accessing my XXXX  account XXXX. Thank you!
Product: Checking or savings account

Suntrust merged with BBT and is becoming Truist. I have been a Suntrust customer since XXXX. I had signed for the signature advantage account that required me to maintain a min balance of {$25000.00} across all my accounts without paying any fees. In XX/XX/XXXX I was forced to migrate from my suntrust app to a new Truist mobile app. A few weeks later I noticed that I could no longer see my statements. I then clicked around found a link that informed me that my account was going to be migrated to a new offering effective XX/XX/XXXX that would require me to maintain a minimum of {$50000.00} fees. I had signed an agreement with Suntrust that my account minimum balance requirements would never be changed. Instead of grandfathering my agreement I have been told by Truist employees that they have had a lot of complaints along the same vein but tough luck. Corporate has told them the rules are changed and deal with it. Banking options continue to be reduced and mergers such as these instead of offering better options for consumers seems to be designed to harass and gauge clients for more fees for less service. The Truist corporation is a disastrous next step towards additional banking oligopolies that are antithetical to a healthy financial marketplace for consumers. I truly expect that CPFB can do nothing to alleviate this. As a financially aware consumer I will eventually find options for myself but I shudder to think how many unsuspecting consumers young and old will be price gauged by Truist ( what a diabolical twist on the word altruist, ugh ). What a shameful outcome.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to investigate every piece of information on the accounts I have listed below. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my accounts were verified, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the following reports attached. 

Accounts : XXXX XXXX  Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX  Acct # XXXX
Product: Debt collection

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX COMMONWEALTH FINANCIAL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) afte
r the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A )  The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious COMMONWEALTH FINANCIAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX UNIT XXXX, XXXX, FL XXXX
Product: Checking or savings account

JP Morgan chase did not put the proper hold on a deposited check, subsequently making us believe that the check had cleared. After 3 days the check was returned for closed account. After speaking to an account supervisor, I was informed they didnt do a seven day hold because I had plenty of funds in my account. Long story short we where victims of an elaborate scam, theft by deception. Perhaps deposits should be the same process despite the amount in your bank account.