23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA and Metro 2 Compliance To Whom It May Concern, I am writing to formally dispute the reporting of the account from XXXX XXXX  XXXX ( Account # XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C 1681 ) and Metro 2 Compliance Standards, I am requesting an immediate investigation and deletion of this account due to inaccuracies and potential violations in the way it is being reported. 

Upon reviewing my credit report, I have identified multiple discrepancies that may not comply with Metro 2 guidelines and FCRA regulations : 1. Inaccurate Balance Reporting The reported balance of {$2600.00} exceeds my original credit limit of {$2200.00}, which is a violation of Metro 2 guidelines under the Credit Reporting Resource Guide ( CRRG ).

2. Charge-Off & Past Due Status Conflict The account has been marked as charged off while still being reported as past due. A charged-off account should not have a continuously updating past-due balance unless it has been sold to a debt collector. This is a reporting error. 
3. Re-Aging of Debt My last payment was reported on XX/XX/XXXX, yet the balance was updated as of XX/XX/XXXX. This suggests re-aging, which is a violation of FCRA 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ), as a charge-off should not be actively updated to appear more recent than it truly is. 

Under the FCRA, you are required to verify, correct, or delete inaccurate information within 30 days of receiving this dispute. I demand that this account be immediately removed from my credit report due to these compliance violations. 

Please provide me with a detailed response outlining your findings after investigating this matter. If you can not verify the accuracy of the information in full compliance with the FCRA and Metro 2 guidelines, I expect this item to be deleted from my credit report immediately. 

I have attached a copy of my identification and credit report highlighting the disputed information for your reference. Please send all correspondence regarding this matter to my mailing address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Citibank offered a cash promotion on XX/XX/2018 if a Citi Priority Dividend checking account was opened with a minimum deposit of {$50000.00} and the money was to remain in the account for 3 months ( 90 days ). I opened XX/XX/2018, funded the account with {$50000.00} and left it for four months. I called and was told I would receive the $ 300.00+ in XX/XX/XXXX. I called again and was told I would receive it by XX/XX/XXXX. I have recently received a letter which states I did not qualify. This is absolutely not true.

I took advantage of their online off and this money sat with Citibank for over 4 months earning no interest. I moved my money to another institution and they converted my account to a no fee checking account.

The letter I am attaching is not the offer I accepted.
Product: Checking or savings account

I made a deposit of a federal government check for XXXX on XX/XX/XXXX. Capital One is holding the funds because they say it has a fraud risk. It is now XX/XX/XXXX and the funds are still on hold. This hold is ridiculously long. Surely the check has cleared the issuing bank by now.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Information on My Credit Report Due to Equifax XXXX XXXX Dear Equifax Dispute Resolution Team, I am writing to dispute an item ( XXXX ) on my credit report that I believe may have been impacted by the 2017 Equifax data breach. My personal information, including [ list details, such as Social Security XXXX, date of birth, address, etc. ], was compromised during this breach, and I suspect that unauthorized activity has occurred as a result. 
I am requesting that you thoroughly investigate the affected entry/entries on my credit report and ensure that any incorrect or fraudulent information resulting from the breach is removed. I am attaching a copy of my credit report, along with relevant supporting documents, to assist with your investigation. 
The specific entry ( ies ) I am disputing are as follows : XXXX XXXX XXXX XXXX and personal information like addresses I request that you provide a written response within 30 days, as required by the Fair Credit Reporting Act ( FCRA ), with details of the findings from your investigation and any actions taken to correct the record. 
If additional information or documentation is needed to facilitate your review, please do not hesitate to contact me. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX social security numberXXXX, XXXX : XX/XX/year> XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account XXXX opened at XXXX XXXX XXXX XXXX This account have resulted in a fraudulent collection appearing on my consumer FICO credit report. Ive attached a copy of my consumer credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned, collection as reported. The aforementioned collection, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned, collection are the result of identity theft and fraud. I have a attached a copy of FTC identity Theft Criminal Complaint ( case number : XXXX ) as proof from the US Federal Trade Commission that all aforementioned consumer credit accounts, collections are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I was denied to open up a bank account with a certain Branch and was told they pulled my Chexsystem and once I reviewed it I saw that I had an ACCOUNT ABUSE LISTED for Source of Information : XXXX XXXX  ; XXXX XXXX XXXX XXXX, XXXX, DE XXXX Phone Number : Telephone Number Not Available Reported For : ACCOUNT ABUSE ; Reported Name : XXXX XXXX Date of Closure : XX/XX/year> RTN/ACCT # : XXXX / XXXX Original Charge Off Amount : I disputed this information based on the fact that I was XXXX XXXX XXXX XXXX during the time the account was opened and closed
Product: Debt collection

This debit is not mine please have it removed ASAP. Someone used my information to open a phone account.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against Navy Federal for withholding my funds since XX/XX/XXXX, despite my compliance with all bank protocols and rules. I opened my Navy Federal account in XX/XX/XXXX and have always been in good standing with my account. I have multiple businesses, including clothing brand established in XXXX in XXXX, Florida. 

On XX/XX/XXXX, i was at a public event as a vendor doing a pop up shop, a customer made a transaction for {$9200.00} for a large order of hats from my business purchasing bulk order at wholesale price. Customer received the goods from me i took information from him and deal was done. Following the transaction, I was later contacted by the Navy Federal fraud security department days after the transaction, requesting verification of the name of the individual who made the payment. 

I informed the representative that I was not available to verify the name at that moment, as I was out of my office. I requested a call-back number, but the representative was rude and disrespectful towards me. Before I knew it, my account was restricted ( Business & Personal ), and it has remained that way since that day. Despite submitting two security appeal forms with that name she requested, the restriction on my account has not been lifted. Prior to the submitting the appeal form I called back and gave the name info to the Navy Federal fraud department. 

Due to the restriction on my account, I have been unable to access my funds, and I have been unable to close the account. I have received mail from Navy Federal every month since 2019 about the interest on the money in my account. However, I am unable to withdraw funds or make new transactions, which has negatively impacted my business operations. The restriction has also caused me to go into negative balance with my checking account, resulting in overdraft fees. 

When I've visited the Navy Federal branch in XXXX Fl several times about this matter, I was treated poorly and given the run-around. The staff acted as if I had done something wrong, despite my compliance with all bank protocols and rules. No one has explained to me why the account can not be closed or why the restriction can not be lifted. 

I believe that Navy Federal 's actions are unjustified and unfair. I am filing a complaint with the CFPB to seek resolution to this issue and request that the restriction on my account be lifted immediately. I would also like my funds from this account and for the account to be closed. 

Thank you for your attention to this matter. 

Sincerely,
Product: Credit card or prepaid card

On or about XX/XX/2018 I was contacted by telephone from a representative from Care Credit ( XXXX XXXX  ) about an account that I had opened. They advised that they have been getting the monthly bills returned to them as undeliverable, even though I previously was receiving them, and making monthly payments. Upon further investigation it was determined that the last bill sent to me was in the month of XXXX of which I paid. The account was opened underneath a promotional interest deferred rate and I had plan on paying it off prior to the end of the promotional period which was XXXX. I inquired with the company why they did not try to contact me prior at the information I provided when the account was opened, and they claimed they tried but the number was not working. I asked them why they didn't simply pull up my credit history and check the address that was on file since they already had this information. They couldn't provide a response. I spoke with a supervisory representative today and explained the situation to her. She filed a complaint with the bank on my behalf that can take up to 30 days. Since the account was not paid prior to the promotional period ending it increased approximately {$1000.00}. To ensure a showing of good faith I paid the total amount due prior to the end of the promotional period on XX/XX/2018 when I was speaking with the supervisor, of which was {$870.00}. This really appears to be a sort of scam by the bank to ensure the collection of an increased interest rate by not allowing me the opportunity to pay it. They could have simply done their due diligence and looked into a multitude of databases to determine my correct address in XXXX, XXXX, or XXXX, or made contact with me by either home phone, cell phone or email. 
Unfortunately, I also checked and the bank has entered a negative report within my credit history. This could have a negative impact upon me when I have to conduct my background check, that occurs every five years for my security clearance. 

I have attempted to check the box allowing for publication on consumerfinance.gov, but it is not allowing the box to be checked. I give you permission to publish this description but please remove my personal information. 

I have asked for a bill to be sent to me on or about XX/XX/2018, but as of today ( XX/XX/2018 ) I have not received it. I also asked for a receipt of todays payment made, but they were not able to provide one. If and when I obtain any written information I will provide it. 

I am hopeful you can assist me with this unfortunate situation.
Product: Checking or savings account

On or about XX/XX/2022, Citi Bank froze all my accounts. This was first reported under Case # XXXX. In response to my CFPB complaint, Citi sent a letter ( Reference # XXXX ) dated XX/XX/2022 acknowledging that these funds were frozen and that the case was under review. As of today 's date ( XX/XX/2022 ) these funds are still frozen, creating great hardship for me. 

I have subsequently learned that specific funds are exempt from any and all bank actions to freeze funds. Specifically, exempted funds are Social Security deposits, Federal and State tax refunds, and all funds from private retirement accounts. 

Even a casual glance at my several accounts -- checking and saving -- shows that all of the funds come from monthly Social Security payments for me and my minor children, and from my private retirement account. Consequently, Citi has been and continues to be in violation of existing laws protecting such funds. 

All attempts to resolve this matter have been rejected with arrogance and disdain from Citi Bank, even though I was a customer for more than 25 years.
Product: Debt collection

I canceled a vechile from mu policy with the insurance company, then they canceled my whole policy and told me it qas for non payment. The collection company has called repeatedly for this debt even though I have explained the situation. I did not receive notice of cancellation and in NJ that means I could loss my license and a fine. I have since gotten insurance with another company and tried repeatedly to get the collection company to stop calling. I have also filed a complaint with the state regarding the insurance company.
Product: Debt collection

These people try to charge me a debt for a service that was not given to me, I spoke with the XXXX Hospital and they agreed to regulate the prices of those bills, but they even placed me with a collection company and do not want to admit that this procedure is wrong, since only by removing the XXXX of a XXXX they are charging me XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to resolved this for month. Transunion is illegally reporting information. They are breaking at least 3 credit laws. I NOW have notarized my complaint. Please remove from my credit report.
Product: Debt collection

I sent XXXX XXXX XXXX a letter asking to verify and validate this account in the balance of XXXX and I received no proof of documentation of contracts with signatures. no proof of fair and thorough investigation.
Product: Credit card or prepaid card

I had made a purchase at a XXXX dealership for a service ( fixing my a/c ). I paid for the service up front, like the dealer requested. I had to leave town for work, when I came back the dealer sent back the parts for my car, so I spoke to the XXXX and he agreed to refund me for the services, given that I never received them. XXXX never refunded me, so I took it with XXXX XXXX Credit Card and dispute it. They returned saying that the dealership had enough proof that I made the purchase. However they refused to see that through the whole time I talked to them about the dispute, I mentionedseveral times, I never received the service. I made the purchase and never got the services. When requested proof of the investigation. They had none, only that I made the purchase. No proof of the dealership saying I received the services, the only thing I got was we can do nothing.
Product: Debt collection

I am the properly authorized consumer and I am submitting this dispute on my own without any third parties, with the intent to not be discriminated against for exercising my rights and applying the federal laws put in place to protect me the consumer. On XX/XX/22 a certified notice was sent to Truist Bank in reference of a billing error. Truist Bank failed to clarify the billing error, but instead used XXXX identity theft with extortionate means for the collection of an extension of credit. Please see attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX notified me that my credit report had been adversely impacted. In looking closer at my report, the reason for the negative impact is only due to numerous inquires. I reviewed the inquiries and I noticed that my mortgage company, XXXX, had run XXXX separate inquiries last Fall when I refinanced my primary residence. See below : XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : Authorized Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : Authorized Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX I reached out to Credco and was informed that they could submit a request of deletion but only under the direction from XXXX. I left a vm with XXXX on XX/XX/XXXX and on XX/XX/XXXX a social media analyst ( contact info below ) called me to obtain some further information. I e-mailed her my complete credit report and the fax number Credco had given to me to provide to XXXX so this could be rectified. XX/XX/XXXX - XXXX called me to inform me that XXXX would not be sending any letter of deletion due to the need to run both hard and soft credit inquiries. I asked for something in writing be sent to my e-mail and she indicated that she could n't grant that request and that it would be a legal issue. I have spoken with XXXX XXXX, as XXXX advised was my next step, and they informed me that all the inquiries are 'hard '. XXXX XXXX also informed me that they could n't delete transactions unless the creditor directed this action. In addition to not authorizing ( not being informed that multiple checks would need to be run and could negatively impact credit ), I feel that any mortgage company that operates under this practice borders on unethical considering a negative credit report can thus tie a consumer to one mortgage company. If there is no regulation on multiple inquiries what is to stop a creditor from damaging a consumer 's credit enough so a consumer can not shop a better rate? <P/>Representative from XXXX : XXXX XXXX Social Media Analyst II, XXXX XXXX XXXX XXXX Office : ( XXXX ) XXXX Fax : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX  XXXX, GA XXXX and there is XXXX XXXX XXXX XXXX, GA XXXX XXXX Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

I have provided the accurate payoff statement for this account that is reporting as late payments in error and Ive provided valid evidence to support my claim ; i have proof of payment in full and it indicates the dates that shows I was never late and without your accurate proof of me having late payments I demand that you UPDATE!! my payment status to PAID AS AGREED NEVER LATE ( PAANI ) immediately XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Account XXXX XXXXXXXX Original Balance : {$62000.00} Status : Paid/closed ( XX/XX/XXXX ),
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, In accordance with the Fair Credit Reporting Act ( FCRA ), I am disputing the following accounts that appear on my credit report but do not belong to me. Please remove these accounts promptly : XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX These accounts are not mine, and I did not authorize their reporting. Reporting these accounts violates my rights under the following provisions of the FCRA : 15 U.S.C. 1681 Section 602 ( a ) : I have a right to privacy, which has been infringed upon by the reporting of unauthorized accounts.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : Consumer reporting agencies can not furnish accounts without my explicit written instructions, which were not provided in these cases. 
I request that you investigate and remove these accounts from my credit report immediately. Please provide written confirmation of the actions taken regarding this matter. 

Thank you for your attention to this urgent matter. I look forward to your prompt response.