23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

As of XX/XX/2018, I opened one of my mail from Citibank dated XX/XX/XXXX. The letter states that they sent me a check on XX/XX/XXXX for {$140.00}, and if it isnt cashed by XXXX XX/XX/2018, they will stop the payment and I will no longer able to cash the check. I have two problems on this. First, I have not received any check. Second, I live in XXXX, Nebraska where the closest Citibank is 2 hours and 48 minutes. I'm a military guy and I did not choose to live here. So I called Citbank Customer Service XXXX. I asked if they could directly transfer the money to my checking account which is also under Citibank, and they said " no ''. I asked if they could make it a cashier check so I can cash it anywhere and they said " no ''. I requested if they could send it to my mom 's house in 48 hours, who lives next to a Citibank because I will be there for a week, but they said it will take 14 days for the check to come. I guess that was a " no '' too. I'll be back home in Nebraska on XX/XX/XXXX, and then they said " Okay call us when you get back and we will send the check ''. It will arive on XXXX XX/XX/2018 and I have less than 10 days to cash it out. I even asked if they can waive the expiration and extend it but they said " no ''. I asked for another representative but unfortunately he didn't provide me one. Why cant they just directly deposit it to my account? They owe the money to me, and why do I need to do extra steps or drive long hours just to acquire this cash? They are willing to charge me late fees if I am late on my payment. Why can't I charge these guys extra inconvenience fees? Nevertheless, I'm happy they are trying to give my money back, but I wish they make it easy for us to take it. Thanks for the help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and experian have not been completely moving old accounts from my credit report and even ones I submitted on there website stating those things werent mine but never got responses and I want them removed immediately and automatically because its a brand new year and I submitted and complained last year to only still have those things on my report something I dont recognize on my report as well
Product: Debt collection

This is my personal statment : 15 U.S. Code 1681c-2 All accounts listed below have be reported without my expressed written concent and therefore need to be removed as a result of idenity theft and must be removed.. These accound are not related to any transactions made by me the consumer : Fraudulent acconts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

XX/XX/2023 I talked with a representative of Citi Credit card. Even though they caused this situation she was very resistant to making things correct on the statements. " I'm on your side, here to help '' she said. She had not even looked at the account, she was responding to my claim from the Consumer Protection Bureau. Still they are not admitting to their poor performance by placing the payments in the wrong account! This was plainly denoted on the payment/check information area, she continued to blame me. She had to look at something and call me back, not having reviewed the situation beforehand. She said " but but they put it into another account of yours and you cashed the refund check ''. Yes that account XXXX is frozen at this time with a XXXX balance and for goodness sake don't you understand it was not the correct account-so it looks as if I didn't make payments into XXXX. I emailed and called right away after recieving that check from them but no one would help me. '' However she finally did remove some of the late fee 's after a lot of back and forth. And there would not be any finance fee 's either if they had processed the payments correctly. As the way they split the payment on the items we purchased, it delayed payment to both. Their software is charging me late fees after I make an electronic payment. This is a small account, they wipe away fraud of huge amounts daily and I was getting ignored, the run around, and escalating late fee 's. Where are the banking regulators and the credit card oversight? I don't recommend using Best Buy Citi card at all. Customer Service there is non exisistant and ONLY happened when I registered my claim with CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my identity was stolen as part of the XXXX XXXX ( FL ) Elections Office security breach due to cyber criminal activity because I have received multiple letters from banks asking to supply personal information for credit for which I have not applied. 

On XX/XX/2023 I managed to speak to an actual person at Experian to update my information with them. However, there was an issue with their system, and they could neither set nor issue a security freeze PIN. They told me to call back. Today, XX/XX/2023 I can not get past their automated response. 

We all know that credit scores and credit bureaus are an institutionalized form of discrimination. They have only come into existence recently and they are bull but they have a strong lobby, and line politicians ' pockets and stay in power, and " relevant ''. However, since we have to deal with them, the least the CFPB can to do protect consumers, is to make sure that the credit bureaus have an easy way for people to get thru to a LIVING HUMAN BEING on more than one occasion, on consecutive days, in a way that's reasonable, and within a reasonable time frame ( 3 minutes or fewer ). 

Seriously, what if I didn't have a computer, or had a XXXX where I needed actual help and couldn't use the phone?
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We have our business account through KeyBank. On XX/XX/ I noticed an un-authorized charge of {$1200.00} by a vendor called " XXXX XXXX XXXX XXXX '' ( " XXXX '' ). I immediately called KeyBank, who noted the account and sent me a new credit/debit card. A Case ref # of XXXX was assigned. I then called XXXX at XXXX and spoke with the owner, XXXX, who willingly provided information to me. Apparently a customer named XXXX ( XXXX XXXX XXXX, XXXX pa, XXXX ) called XXXX to order landscaping products. " XXXX '' gave several credit cards over the phone, at which point XXXX became suspicious. XXXX confirmed that they did NOT deliver the landscape products due to suspicions. Furthermore, XXXX will not challenge the reimbursement of the {$1200.00} upon KeyBank 's investigation. 

I called KeyBank and provided this information immediately. I called KeyBank on XX/XX/23 to check status and was told they were working on it. I called KeyBank again on XX/XX/23 and was told there'd been no investigation or notes since my last inquiry almost a month earlier. 

We are a small, struggling business that does not typically have a large sum of money in our bank account. The {$1200.00} fraudulent charge caused our account to go into the " negative ''. There were two subsequent KeyBank charges of {$20.00} ( {$40.00} all together ) for having negative funds. Lastly, our XXXX rent check bounced and we will now incur charges by our landlord. Our XXXX rent check will be due by XX/XX/23, 6-days from now! 

Given that XXXX is not challenging the fraudulent charge, this " issue '' can be cleared-up in a simple 5 minute phone call. On XX/XX/23 I expressed my frustration and concern to KeyBank, but have still not heard back. Please help us to correct this situation immediately.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX XXXX, and this is not a third party filing this complaint. I have attached several documents for your review exposing the following credit reporting agencies of reporting Inaccurate, Incomplete and fraudulent accounts on my consumer report. Please see attached ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the courthouse and was told that they did not report a bankruptcy to the credit bureaus but yet all three bureaus are reporting it. I have disputed this issue several times with no resolution.
Product: Credit card or prepaid card

I, XXXX XXXX had applied for a credit card known as XXXX XXXX that is issued by XXXX XXXX and serviced by Continental Finance Company on XX/XX/2021. I got denied because of one reason : We were unable to verify your identity. 

I called their customer service number a few times about my current application and their number is XXXX. The customer service representatives told me different things, most of them was very untrained but one of them told me to fax my personal informations directly to the company for review. It have to include my driver license, social security numbers card, and voter registration for proof of address to their fax number XXXX. I already fax them and called them again but they told me they had received but took no action without justify explanations. 

On the online application, I had given them my full social security numbers, name, date of birth, address, e-mail, phone number, and other informations they had requested. I even fax them my social security numbers, driver license, proof of address, and a copy of the reference numbers that is attached to the notice that was sent to me after I applied stating why I was denied.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts, # XXXX, # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. estatus I have the right to privacy. 
15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I hope this letter finds you in good health and high spirits. I am writing to bring to your attention a matter regarding an unfair credit report entry associated with my account with XXXX, specifically the XXXX XXXX XXXX. 

Around XX/XX/, I discovered a 30-day late payment reported on my account. This took me by surprise as I have always been conscientious about making timely payments for all my financial obligations. Upon inquiring with XXXX, I learned that the late payment was attributed to an annual fee that had been added to my account. Unfortunately, I had not been alerted to this fee, nor had XXXX sent any communication regarding this forthcoming charge. 

I am deeply concerned about this situation for two main reasons : Firstly, the lack of communication on the part of XXXX resulted in an unexpected charge, leading to an unintentional late payment. Secondly, this erroneous report has adversely impacted my credit score, which could potentially affect my ability to secure credit in the future. Please note that my previous payment history with XXXX, as well as other financial institutions, has been flawless. This incident is not indicative of my financial responsibility and commitment. 

Despite my attempts to rectify this issue directly with XXXX, an acceptable resolution has yet to be reached. Consequently, I am reaching out to the Consumer Financial Protection Bureau for assistance in this matter. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report. Given that the late payment resulted from insufficient communication from the lender, I assert that the report is inaccurate. Therefore, I am formally requesting an investigation into this matter and the subsequent removal of the 30-day late payment from my credit report. 

I have enclosed with this letter pertinent documentation supporting my claim, which includes records of communication with XXXX and a copy of my credit report highlighting the disputed late payment. 

The Consumer Financial Protection Bureau carries the significant responsibility of ensuring fair financial practices, and I appreciate any assistance you can provide in resolving this issue. I am confident in your agency 's commitment to protecting consumers like myself from such misunderstandings and unintentional errors. 

Thank you for your time and consideration. I look forward to your prompt response and am hopeful for a swift and fair resolution to this matter. 

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

Called and each rep. stated that the old address has been removed that I am not legally able to receive mail.
Product: Checking or savings account

I gave 3 loans that didn't fund or go out, and they never gave me my XXXX back.
Product: Credit reporting or other personal consumer reports

Every time I do your dispute, the company doesn't do proper research.They say is verified, but I can not get the verified information to prove that the credit is mine or correct.
Product: Credit reporting or other personal consumer reports

Ive already reported this company once and I submitted to them the requested information INCLUDING the police report stating I am a victim of identity theft. Still no word from XXXX XXXXXXXX 1 month later. I mailed all documents including the police report on XX/XX/XXXX. Please request to remove this inquiry Ive had over XXXX fraudulent inquiries since my identity was stolen and I have been able to get all removed except XXXX XXXX. This is not right or fair and it is a violation of my rights under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im an active Credit Report checker. I check all 3 credit bureau at least 4 out of 7 days. I missed there being inquires I didnt recognize on XXXX XXXX XXXX Equifax XXXX They both report the same names for the accounts on both bureaus! 

XXXX - XXXX. XXXX XXXX, XX/XX/2022 XXXX XXXX, XX/XX/2022 Equifax - XXXX. XXXX XXXX, XX/XX/2022 XXXX XXXX, XX/XX/2022 XXXX, XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are not mine they were made without my permission, consent, inquires. JMPCB CARD SERVICES : Inquiry : XX/XX/2023. XXXX : XX/XX/2023. Or all the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is past the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instruction or consent 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquiries must be removed immediately thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Failed to remove and block items listed on FTC report within the prescribed time period. Credit Reporting Agency did not resolving the issue.
Product: Credit reporting or other personal consumer reports

I have notified XXXX continuously about Identity Theft on my Credit Report. When I attempt to contact the Fraud department to have the matter resolved, they tell me they can't see the information and after 15 days I receive more dispute information from XXXX & creditors stating the information on my report is accurate when it is not. The fraudulent items are : Portfolio- {$450.00} Portfolio- {$690.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$650.00} I submitted legal documents to XXXX XXXX XXXX XXXX on XX/XX/XXXX & XXXX with things that are fraudulent - XXXX Data Breach I continuously saw new items after hard work of removing negative items including the above negative items filed XXXX FTC Affidavit XXXX XXXXXXXX I submitted all the documentation required by law on the federal, state, and local levels with FTC Affidavit above to XXXX on XX/XX/XXXX, via postal service XXXX XXXX XXXX -- item number XXXX Tracking number - XXXX signed by XXXX XXXX Domestic Return Receipt I saw more information after XX/XX/XXXX submission and updated a new FTC report on XX/XX/XXXX FTC Affidavit XXXX and was faxed to the number the XXXX XXXX XXXX suggested I was federally awarded the settlement of my claim of fraudulent information on my credit report from the XXXX Data Breach on XX/XX/XXXX I faxed the award letter and Affidavits, a notice of identity personally notarized, a police report, a bank statement as proof of address, my driver 's license, social security number XXXX XXXX pages at the XXXX XXXX
Product: Mortgage

Flagstar is my mortgage lender and they have not properly informed me of the covid loan modifications available to me ( I have and FHA loan ). Since my forbearance ended in XXXX I've been asking to be reviewed for the two covid loan modifications that result in my principal and interest being reduced by 25 %. I call every couple of weeks and have been getting mixed messages about which options are available and everyone I talk to either tells me there's no such thing as covid loan mods, or I don't qualify, or that I'm in review and need to wait, or that they offered it to me already and I declined ( definitely not true ), or that I've been out of review for months and I'm about to go into the foreclosure process and need to fill out a loss mitigation application. After months of the runaround I received with no previous notice an offer by XXXX, ready to be signed and notarized, for a partial claim and regular loan modification. The payment is actually higher than my previous payment and it's not a covid modification. 
I have a HUD counselor at XXXX XXXX who also is wondering why I have not been offered or informed of these programs ( I had to do the research myself online with the HUD press releases etc ). I see now that this is a bigger issue than just me and a group of 20+ AGs have gone to the FHA because lenders have not been following the HUD prescribed waterfall in what they offer to FHA borrowers coming out of covid forbearance.

Additionally, the Flagstar website mistakenly allowed people to re-apply for forbearance for an additional period after forbearance actually ended ( through XX/XX/21 ). I did this application in XXXX or XXXX and was told that I was good through XX/XX/21, but this made me nervous and I called and they said this was a glitch on the website and my forbearance actually would end in XXXX. So I'm lucky I followed up but I imagine this really caused some problems for other borrowers.
Product: Credit reporting or other personal consumer reports

Subject : Request for Account Deletion or Update on Credit Report ACCOUNTING Dear I am writing to address an urgent matter concerning my credit report. According to the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be 100 % accurate and truthful. 15 U.S. Code 1681e ( b ) : This section requires consumer reporting agencies to maintain reasonable procedures to ensure the accuracy and completeness of the information in consumer reports. It stipulates that these agencies must have procedures in place to verify the accuracy of the information they report. Under the Fair Credit Reporting Act ( FCRA ), the requirement for accuracy and completeness in credit reporting is outlined primarily in 15 U.S. Code 1681e ( b ). This section mandates that consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy '' in the information they include in consumer reports. It has come to my attention that my account with sallie mae inc, which has been sold to XXXX XXXX XXXX XXXX, is not accurately represented on my credit report. Specifically, the account should be updated to reflect that it was sold for less, paid for less, than the full amount owed. I kindly request that you take the necessary steps to either : Delete the account from my credit report, as it is no longer under SALLIE MAE INC purview, or Update the account status to reflect that it was sold for less paid for less than the full amount, ensuring that all information reported is accurate. In addition, the Fair Credit Reporting Act states that during the investigation, you must indicate to the bureau that the account is under dispute and cease reporting this information to the Credit Reporting Agency until full validation has been completed. A copy of this request for validation has been sent to the FTC CFPB AND three national Credit Reporting Agencies to begin their 30-day ingestion. Please provide me with written confirmation once these changes have been made. If you need any additional information or documentation to process this request, do not hesitate to contact me at the phone number or email address provided above. Thank you for your prompt attention to this matter. I look forward to your response and the resolution of this issue. Sincerely,
Product: Credit reporting or other personal consumer reports

I reviewed my credit report a few months ago, and noticed that it was so many inaccuracies on my report. I reached out to each credit bureau directly after sending the additional required documents nothing was resolved. Consumer reporting agencies have assumed such a vital role and have a responsibility to report Consumer information to th best of their ability with XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please investigate and provide proof. If proof can't be provided I demand these accounts be removed. Its been well over 60 days and I need a resolution soon.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. Please see attached file for these items I am complaining.