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

I opened new checking and savings accounts at Citibank on XX/XX/2020. I tried to transfer all the money from my old Citi accounts to the new ones and close the old ones. I called Citi twice and neither representatives could find my old accounts in their system. They told me to go to a branch, but that was not practical because the nearest branch was over 200 miles away in XXXX. The second representative said I could transfer the money by myself and that Citi would close XXXX  balance accounts automatically. I explicitly asked if there would be negative consequences of leaving accounts with XXXX  balance and the representative said no. So I transferred the money. 
On XX/XX/XXXX, I found an overdraft notice in my mail pile after being away in XXXX. It turned out Citi charged me a monthly service fee on XX/XX/XXXX, and then an overdraft fee on XX/XX/XXXX. I called Citi right away. The first representative told me to wait while he went to ask his supervisor. Then, I was cut off. I called again. The second representative said my accounts hadn't been closed because {$0.00} ( my savings account interest ) was transferred to my checking account on XX/XX/XXXX. Then I was cut off again while waiting for her to close my accounts. I called a third time and told the representative at the beginning that I was cut off twice already. The third representative promised not to hang up and closed my accounts. 
Though my problem was resolved in the end - fees waived and accounts closed, it took me 5 calls and more than an hour on the phone. The whole experience was very unsatisfactory, and it is easy to imagine situations where some clients didn't call or gave up during the process or couldn't get fees waived. 
I don't have complaints against individual representatives even though one give inaccurate information, because I felt they were under pressure from the management to avoid closing accounts. So, I want to urge the management at Citibank to stop doing so ASAP, especially under the current circumstances.
Product: Debt collection

I have mailed a validation letter requesting that they explain and show me how they calculated what you say I owe. I mailed this letter on XXXX XXXX, 2015. It has been more than thirty days and have yet to receive proper validation information on this account. They continue to report this account on my credit report however I am trying to understand why they claim I owe this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting incorrectly to XXXX  ; XXXX  and Transunion a collection/charge-off in the amount of {$1900.00} on the XXXX XXXX  partial account number ****XXXX. ( Please see page attached from my credit report. ) There was a flood and a claim had been filed for damages. I had insurance that covered the damages and the insurance company paid XXXX XXXX  directly. There is no balance due and owing. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice for Proof of Claim Account : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, MEADE & ASSOC # XXXX, XXXX XXXX XXXX # XXXX To Whom it may Concern : Thisis a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment ofdebts States ( C ) No collection agency shall commence litigation for the collection of anassigned account, bill, or other evidence of indebtedness unless it has taken the assignmentin accordance with all of the following requirements : Credit contracts are non-assignableeven if the contract has a clause for assignability because it violates the contract Law.Where there is no fair valuable consideration given, the contract or agreement is void abinto. The debt is non-transferable. If it is a contract for credit or goes to the character of theparties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment wasmanifested by a written agreement separate from and in addition to any documentintended for the purpose of listing the account, bill, or other evidence of indebtedness withthe collection agency. The written agreement shall state the effective date of the assignmentand the consideration paid or given, if any, for the assignment and shall expressly authorizethe collection agency to refer the assigned account, bill, or other evidence of indebtednessto an attorney admitted to the practice of law in this state for the commencement oflitigation. The written agreement also shall disclose that the collection agency mayconsolidate, for purposes of filing an action, the assigned account, bill, or other evidence ofindebtedness with those of other creditors against an individual debtor or co-debtors.Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart , 13 Id 646. Once the Creditorwrites off a debt, it can not be assigned or Collected. Since this is an error I demand that yousend me the following proofs. As you are obligated to do in accordance with the Fair DebtCollection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have30 days to supply these proofs, if more time is needed please contact me by certified mailand I will extend you 15 extra days. I also request to see a certified copy of any contract oragreement between you and the original creditor that gave you the right to collect this debt.
Product: Debt collection

The two accounts that I disputed earlier remain on my report. I told XXXX that the account does not belong to me and needed to be removed from my account. 
After XXXX 's investigation the accounts still remain and are having a negative impact on my credit score. 
I have never done business with either one of these companys. 
I requested in my dispute for these companys to provide written documents, contracts and or anything with my signature on it disputing otherwise. 
I know that was not done, because those documents dont exist. 
But yet the items were not removed from my account and cont to have a negative impact on my credit report and score. 
This process has failed if all XXXX does is ask the said companys if the account is mine, then they say yes cause its in there best interest. 
Then XXXX takes there word for it with out any written proof. 
And tell the customer the dispute is over just to get a 30 day result. 
This is not fair. I feel cheated. 
These are not my accounts, I said that before and like I also said. 
There is no written contract or anything that says otherwise I just ask for a through investigation and written proof that was used to link me to these accounts. 
Because I guarantee that there is none. 

Thank you
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$75000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel like im being taken advantage of and being ignored of my disputes.I am not a credit repair company. I am not responsible or liable for these items. Section 611 ( a ), its is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.
Product: Debt collection

I receive collection notice from LVNV FUNDING LLC in which i have never done business the original creditors is listed has XXXX XXXX XXXX   which i have never done business has well i receive a letter from lvnv funding llc with copy of bill from XXXX XXXX XXXX which does not validated a copy of bill does not substantiate debt
Product: Checking or savings account

I am filling a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit form my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection in investigating the matter to ensure my rights are upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my Credit Report I noticed that there is still account that is reporting erroneous and incorrect information. I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the account needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX, XXXX notified me that my Credit Score went from XXXX to XXXX due to incorrect reporting by XXXX XXXX XXXX, a collection agency of questionable reliability, at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX from an overdue XXXX XXXX XXXX XXXX charge for an XXXX XXXX XXXX for {$1000.00}. 
This was incurred on XXXX XXXX by a XXXX XXXX, for phone # XXXX at a private residence which is also listed as a XXXX XXXX XXXX. 
I have never had a personal account of any type with XXXX XXXX XXXX ; in addition, I hadn't lived in XXXX XXXX since XX/XX/XXXX. I have never lived at that address. All of this can be verified by my Credit History. I have an Excellent Credit Card record. I have never had a cell phone number at XXXX. 
I have done Disputes with all the 3 big Credit Reporting Services. XXXX has never contacted me in writing or by phone. I have tried to call XXXX at their listed phone # : XXXX but the phone messages are always full. I have contacted them by numerous Emails with no response to resolve. 
I have always worked hard to establish my good credit..this is a frustrating situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove these inquiries and names that do not belong to me. I have attached an identity theft report and have did some research that shows that after receiving this information you have 4 days to block this information from my credit profile 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of you will find all inquiries in the attached report. Also you will find names that are not mines
Product: Checking or savings account

I had a Citibank credit card and was lured in to open a savings and checking account with an incentive of a higher interest rate. It said I only needed to deposit {$500.00} in each to get the offer. I did that and after a month, they charged me a {$30.00} fee because the {$500.00} was considered a " low balance. '' I contacted the company and immediately canceled my checking, savings and credit card accounts. I verified at the end of the conversation that all three accounts were closed and they said yes ( I have screenshots to prove. ) Then they kept the checking account open anyway, and charged me a {$30.00} low balance fee, and then tacked on another {$30.00} overdraft fee for the low balance fee. The account is closed. It was verified. Then I contacted the company and they said oops, the account is still open, but there's nothing we can do. They said I could spend the day on the phone with their call center to try to sort it out but they were unwilling to reverse the fees or make sure the account was closed, as they said it was. They plan to charge me ridiculous fees in perpetuity. Absolutely predatory behavior and the company should be sanctioned.
Product: Checking or savings account

On XXXX XXXX I moved from XXXX NY to XXXX XXXX.In XXXX I did a cotrract with XXXX XXXX XXXX XXXX XXXX NY ( a FL Co. ). On XX/XX/XXXX XXXX XXXX XXXX Lines caller said they would deliver my furniture & belongings to XXXX XXXX XXXX XXXX XXXX TX on XX/XX/20. That day, my daughter XXXX XXXX XXXX XXXX XXXX took me to the Chase Branch in XXXX where I had a cashier 's check for {$6200.00} made to XXXX XXXX XXXX XXXX. On the XXXX I presented the check to the mover & he immediately sent a photo of the check XXXX ( he said ). When they replied the moving man said the checked had to be changed to XXXX ( a NJ Co. ). My daughter and I went back to Chase. The teller XXXX XXXX said he cancelled the check, redeposited the money in the account and issued me a new check.The following week I learned I was deficient in the account by {$4400.00}. On that Friday XXXX I went to the XXXX branch, was redirected to the XXXX XXXX XXXX XXXX XXXX XXXX. There I explained the dilemma and the associate said she saw that someone had debited the returned money ( duplicate adjustment? ). She attempted to make an adjustment. At XXXX my daughter came to take me back to XXXX. The associate said she would call me the following Monday or Tuesday. When she called she said the adjustment couldn't made and Chase had no liability. When I got the statement I could see that there was a duplicate debit item, but had no idea what it meant. On Thursday XX/XX/XXXX my daughter called XXXX and asked if they had received a check and was told they had no record of receiving it. I logged on to the Chase complaint and filled a notice. We then called Chase Corporate and asked for an explanation of the " duplicate item ''. We got no reasonable answer. We explained the happenings and was told that the associate could make an adjustment but when she transferred the call the associate paused and then terminated the call. We immediately called back during that conversation some man said the {$6200.00} check had been cashed at XXXX XXXX XXXX. We questioned that as that check was supposed to be cancelled. Nobody answered our question. I have no dealing with XXXX XXXX being from the XXXX my whole life, except 9 years in North Carolina in retirement with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$13000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have been a victim of fraud and have been without {$540.00} for over three weeks. Two fraud transactions posted to my account. These transactions were made in a city over 2 hours away from where I was located at the time. I was at work during the transactions in XXXX County, the purchases were made in XXXX XXXX County. I provided BofA my work schedule and my credit card statements that clearly show I was in XXXX  County. This has been extremely frustrating and has caused a financial hardship. 
The first fraud transaction was charged ( {$180.00} ) on XX/XX/2018, but did not bpost to my account until XX/XX/2018, and the transaction posted without any notification to me. I have notification alerts with BofA. 
The second transaction was charged ( {$350.00} ) on XX/XX/2018 but did not post to my account until XX/XX/2018, and like above, I did not receive any notifications. 
I noticed the fraud transactions on XX/XX/2018, and immediately reported the fraud to BofA. A customer service rep at BofA stated the card was used legally by manually inputting the card number. The rep stated the fraud was reported and my money was credited back to me. My debt card was closed and a new card was delivered to me. 

On XX/XX/2018, I noticed BofA decided to withdrawal the money out of my account that was previously credited. BofA sent a email and letter prior to taking the money but I was out of town and missed the notifications. 

I contacted BofA on XX/XX/XXXX, to disputed the descision. I was told I could not be transferred to the investigator who handled my case, and I could also not have his name. I was told I can request to have the investigator call me. I made the request and waited 48 hours without any notification. I contacted BofA again and submitted documents that show the charges are fraudulent. I provided my work schedule that shows I was at work, and credit card statements that show I was in XXXX County during the times of the transactions which took place in XXXX XXXX County ( over two hours away ). 
As of Saturday, XX/XX/2018, I have no been contacted. Additionally, my account was charged a fraudulent charge of XXXX dollars on Friday, XX/XX/XXXX, which was resolved today, XX/XX/XXXX. 

I again requested the XXXX dollars be returned immediately, as its clear my account has been compromised. I have still not received any notification..
Product: Credit card or prepaid card

Chase discriminated against me and denied me the my right of credit.
Product: Credit reporting or other personal consumer reports

There are several names that are not mine, addresses, and employers that I have requested to be removed. And there are numerous inquiries on my credit report that are over XXXX XXXX XXXX and should no longer be on my credit reports. 

XXXX XXXX XXXX XXXX XXXX  is reporting a late payments on my account and I have never been late on this account. I have reached out to XXXX and the 3 credit bureaus for reinvestigation but nothing has been investigated because my credit report Dispute Status states " Account not disputed ''. 

XXXX XXXX XXXX XXXX is reporting a late payment on my account and I have never been late on this account. I have reached out to XXXX and the credit bureaus to update but nothing has been investigated because my credit report Dispute Status states " Account not disputed ''. 

XXXX XXXX XXXX XXXX is reporting a late payment on my account and I have never been late on this account. I have reached out to XXXX and the credit bureaus to update but nothing has been investigated because my credit report Dispute Status states " Account not disputed ''. 

XXXX XXXX XXXX XXXX is reporting a late payment on my account and I have never been late on this account. I have reached out to XXXX and the credit bureaus to update but nothing has been investigated because my credit report Dispute Status states " Account not disputed ''. 

XXXX XXXX XXXX XXXX is reporting on my credit report and I have no idea what this account is or who it is from. 

XXXX XXXX XXXX XXXX  is reporting on my credit report and I have no idea what this account is or who it is from. 

Outdated Inquiries XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

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

The accuracy of information associated with my credit report. The account in question is listed below, and despite a previous investigation, it continues to appear on my report with inaccuracies that are significantly damaging my credit score. I request that this item be re-investigated immediately. 

**Account Name : ** XXXX XXXX XXXX XXXXXXXX Number : ** XXXX **Dates of Alleged Late Payments : ** XX/XX/year> It is reported that this account is 60 days past due, which is inaccurate as I have consistently made my payments on time. The persistence of such inaccuracies is concerning and must be corrected.

In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, I request the names and business addresses of each individual with whom you verified the information regarding this account. This will allow me to follow up on this matter directly. 

Additionally, please send me an updated copy of my credit report once your re-investigation is complete. 

I have attached a screenshot to support my claim. Thank you for your prompt attention to this matter. I look forward to your swift response. Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to report accurate and complete information.
Product: Credit card

I paid my bill late on the due date late in the day & send a email. Asking chase not to charge a late fee. their did & well not remove. My name is XXXX XXXX my email address is XXXXXXXXXXXX. the transaction # XXXX on XXXX/XXXX/2016 It is a XXXX XXXXXXXXXXXX.