23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

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

Citibank closed my account stating I filed a fraud claim and non payment of account! Both accusations are lies made by Citibank employees who been XXXX XXXX me and harassing me since XXXX, XXXX. 

I filed a lawsuit dispute in regards to merchandise I purchased that the order was not fulfilled by the merchant. The merchant took 3  months but finally placed all the credits on my Citibank credit card account. Citibank employees then opened a fraud claim for transactions that I never disputed. 

Citibank employees then closed my account saying it was due to non-payment of fraud claim! 

Citibank has cut all communication with me and still have my account closed for no valid reason! 

I am saying 100 % all the actions taken again me by Citibank is 100 % XXXX  motivated and the harassment  has caused me financial harm. 

Citibank jeopardized my life and family life by allowing the same group of employees to harass me and send Police to my home based on their XXXX  and ongoing discrimination and harassment. 

To date I have no answers from Citibank stating the reason they sent Police to my home! Why they opened up fraud claims that I never requested, why my account is filled with notes by the same XXXX employees who created this problem, and why my account is closed! 

I have done NOTHING to justify all the bad things CitiBank has done to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Data Breach through equifax I have a letter from XXXX XXXX  telling me.
Product: Credit reporting or other personal consumer reports

I am currently a victim of identity theft, I noticed that i have not just one but several accounts with different credit cards listed in my name. I am asking that my complaint gets investigated immediately. I've never seen so many different credit cards listed on my report until this month. I have proof of my identity being stolen. At this time I am asking that my complaint is taken into consideration. This is very degrading to see such activity on my report.
Product: Vehicle loan or lease

PLEASE SEE ATTACHED. 

THIS IS DOCUMENTED EVIDENCE TO BE USED IN LEGAL PROCEEDINGS. 

THE AUDIO WAS RECORDED IN A PUBLIC ENVIRONMENT, THUS LEGAL. 

THIS IS THE 3RD ATTEMPT TO RESOLVE THIS MATTER.
Product: Debt collection

I consumer XXXX did not enter into an agreement with Americollect have submitted a dispute several times with this company via the data mining company XXXX on date XX/XX/2022, I was told via XXXX that " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' However, the investigation does not meet the requirement, there was no proof submitted to me to verify what XXXX did to investigate this matter
Product: Mortgage

Hello : I am the original owner of my property at XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX since XX/XX/XXXX. In XXXX XXXX, my family moved to XXXX, FL for work, and then to XXXX, KY in XXXX. At the high of the financial crisis, we were able to refinance the mortgage at 2.0 % ( $ XXXX ) fix rate under the XXXX. Obama HARP program via XXXX XXXX. We paid rent and the mortgage for XXXX year, before moving back in XX/XX/XXXX. In XXXX, Ditech took over the mortgage from XXXX, they immediately increased my fixed rate to 4.0 % ( {$1500.00} ), to 4.25 % ( {$1900.00} ) in XXXX XXXX and started charging me monthly fees saying that under HARP program, there was no more XXXX day grace period. In addition, the $ 800+ escrow amount for mortgage overpayments set up by XXXX disappeared from Ditech account records with no record to those funds being applied. Since,XX/XX/XXXX, Ditech has refused to apply my monthly mortgage payments, because I refused to sign a new agreement, for a XX/XX/XXXX year at $ XXXX.
Product: Credit reporting or other personal consumer reports

I submitted a letter of opt out to Wells Fargo Auto. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and non verbal per 15 USC 6802. I received a call from a Wells Fargo Auto rep and he explained to me I do not have any rights to opt out because of the contract I signed. This contract that I signed was back in XXXX. According to 16 CFR 433.3, any contract signed after XX/XX/XXXX is not exempt to the requirements of 16 CFR 433. 16 CFR 433.2 states it is unfair or deceptive to for a seller ( Wells Fargo Auto ) to take or receive a consumer credit contract without containing the following provision : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

It was further deception done by the Rep who contacted me and was adamant that I have no rights as a consumer to opt out of my information being furnished to a third party.
Product: Mortgage

I have a home equity loan which is serviced by Shellpoint Mortgage Servicing. I logged on a few weeks ago to make my payment and noticed that my payment amount was much more than it should be. The website said my regular monthly payment is {$1300.00}, when it should be {$980.00}. It also said I have a variable rate mortgage with an interest rate of 8.25 % when it should be 5.26 % fixed. My loan originated with XXXX  XXXX XXXX in XXXX as a HELOC. On XX/XX/XXXX, in anticipation of the end of the draw period which would be coming in XXXX of XXXX, I locked in my interest rate on the entire balance of the loan. My payment for the duration of the loan would be {$980.00} a month, and my interest rate would be 5.26 % fixed. My loan was recently sold to a new investor, so I imagine that some paperwork didn't transfer over, even though it's the same company servicing the loan. I called them to alert them to the issue and ask that it be corrected but it has yet to be. I then uploaded to their system a letter from XXXX XXXX XXXXXXXX confirming the conversion to a Fixed Rate Loan as well as a statement from XXXX  XXXX XXXX showing the HELOC portion of the loan with a balance of XXXX, and the rest of the loan balance as the new XXXX. I also uploaded a statement from Shellpoint from XX/XX/XXXX, showing the monthly payment of {$980.00}. And they also have statements from the time they have serviced my loan, with the correct interest rate and payment amount, in their system. I have also mailed an error resolution request letter with the letter from XXXX  XXXX XXXX stating the conversion to a XXXX as well as a statement from XXXX  XXXX XXXX. They received that on XX/XX/XXXX. The corrections have still not been made to my account. I have attached the above mentioned documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly a collection/charge-off in the amount of {$13000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, the balance reporting is incorrect ; and Second, this account has since been sold to a third party and therefore can not be reporting on my credit report. This is a violation of the Fair Credit Reporting Act and is mandated that this be removed. 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: Money transfers

I transferred money via Xoom.com in the value of {$100.00} plus {$4.00} transaction fee for a total {$100.00}. It was supposed to be paid in the XXXX in the value of dollars. When the person went to pick up the money the receiving bank wanted to pay it in pesos. The person refused the transaction and it was never completed. Xoom.com charged my account the full amount of {$100.00}. That is not correct they never gave us the money but yet took it out of my account. This is called robbery. I want my money put back into my account. The receiving bank even sent Xoom.com an email advising them that the transaction was never paid out. Yet they still refuse to give me back my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXXof 2017 a XXXX XXXXXXXX XXXX I cosigner for was totaled. After insurance paid there portion XXXX XXXX still had a XXXX balance. But she this car was purchased directly from.XXXX we also purchased gap insurance. Which covers the difference between what is owed and what insurance paid for. XXXXXXXX XXXX has reported this account 120 delinquent and has now labeled it as a collection account and a chargenoff for there company which is highly inaaccurate.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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: Debt or credit management

belmont financial was asked to come and get the item with in the time alloted. They drafted monie from the account for several months before I noticed and did not come to get the vacuum that would have canceled the a never came to get it .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. Belmont Finance LLC Accnt # XXXX ... XXXX XXXX XXXX XXXX XXXX accnt # 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: Debt collection

I was never notified that my debt was going to collections. I was never sent a letter, a phone call, or a email informing my debt was going to collections. I was on a payment plan for this debt and stopped receiving notifications. The only reason I was notified of this {$920.00} dollar debt was I received a notification on my credit report. When i contacted the debt collector they did not have my phone number or address on file.
Product: Checking or savings account

I opened a personal and a business account with Truist Bank on XX/XX/2023. I deposited {$100.00} into the checking account and a paid a required opening fee of {$100.00} for the business account. I tried to log into my accounts with Truist bank and I was not able to access my accounts. I went to the nearest branch and I was informed by a teller that both of my accounts were closed. I was given a number to call in order to receive a report & possible answers as to why my accounts were closed. I called the number and I did not receive any answers. Also, the bank teller informed me that I can not get my money back that was deposited the day I opened both accounts. I feel that I am being discriminated against and that my account was wrongfully closed. The bank has record of my social security number and I believe my information is being used to conduct fraudulent activity. It is illegal for the bank to take my application and my social and not provide any services.
Product: Credit reporting or other personal consumer reports

Please see attached Letters and Ftc Report as the accounts on the list are all result of Data Breach Please removed those inaacurate information on my credit report
Product: Mortgage

Im trying to contact them. I used the automated service when it says to hit # 5 for customer service it goes right back to the main menu. It doesnt allow me to go through to customer service. They raised my payment on my escrowaccount and trying to resolve this matter. Im getting extremely frustrated that I cant contact anyone on this matter. Ive called them 4 times in one week. Waited on the phone for 35 mins ....
Product: Bank account or service

Dear Consumer Financial Protection Bureau : I have had an account with Union Bank for almost 16 years. At the time I first opened the account, I was employed full-time. I was laid off during the Great Recession, and, much to my chagrin, have been unemployed for several years. Currently, I help to take care of my mom. Yesterday ( XXXX/XXXX/16 ), at XXXX PDT, I called the Union Bank Customer Service Center, and asked them to please discontinue the mailing of monthly paper bank statements. The employee I spoke with over the phone, XXXX, said, " she could not do that because of the type of account '' that I have. 
I told XXXX that I wanted to save the {$20.00} per month charge for paper statements. She said, " oh no, '' I was " actually being charged {$50.00} per month '' by the bank : {$20.00} for the paper statements, and {$30.00} because the " balance is too low for the type of account you have. '' Never, at any time, was I told of any {$50.00} monthly bank charges! Believe me, had I known, I would have gone to the bank immediately to : 1 ) protest the excessive monthly charges, and 2 ) close my account. I told XXXX that my last several bank statements only showed a fee of " {$20.00} per month. '' I NEVER received any notification from Union Bank, at any time, of an additional {$30.00} per month fee due to a " low balance. '' XXXX said that I should visit my local Union Bank branch and ask for a " Banking by Design '' account, which, apparently, has lower monthly fees. 
I feel the bank is taking advantage of lower income customers by charging extra monthly fees for those with lower balances. These bank customers, including myself, are the ones who can least afford it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account has been paid in full to AAFES Starcard. Starcard has updated all my information to reflect correctly but for my XXXX  credit report, it is reporting wrong. It is showing delinquency is recent as of  XX/XX/XXXX which is incorrect. The debt was paid in XX/XX/XXXX. It reflects correctly on my XXXX  and XXXX, but does not on my XXXX. This called re-aging my credit report and is illegal. I do not think it was on purpose but it is reporting " potentially negative '' on my XXXX credit report due to how AAFES update the account.
Product: Vehicle loan or lease

I obtained an auto loan from America Forst Credit Union because they held the existing loan from the person I was buying the car from. The loan has been funded for almost 3 weeks and I still can not transfer the title because the bank will not release the lien on the title. When I asked them to release it electronically, as required by AZ Law in 48 hours, they said they do not do that. I have been to the XXXX XXXX XXXX 5 times and the bank keeps running around. The seller and I have done everything asked but they are not doing their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 Personal Loans from XXXX XXXX were recently paid off. The team @ XXXX XXXX indicated that they've provided updates to the ( 3 ) credit reporting agencies about the paid-off & closed account status ' however XXXX for example, has informed me that the status of my XXXX XXXX accounts will remain unchanged showing at least one account as open with a current balance as per the request from XXXX XXXX. 

Please see the attached email XXXX XXXX indicating that the accounts were paid in full and closed. I provided this information to the ( 3 ) credit reporting agencies.

The delay in updating my credit report showing a {$0.00} balance and closed account status is delaying my ability to complete the refinance of my mortgages since my credit report has incorrect information about the total amount of debt I currently have with the opened accounts. 

Account # : Loan 1 ending in # XXXX Loan 2 ending in # XXXX
Product: Money transfer, virtual currency, or money service

Paypal deducts money from your bank account promising it to be deposited into your PayPal account on a certain day. After taking the money from your bank account, the money does not arrive in your account on the day PayPal says it will arrive. 

On XX/XX/XXXX I transferred {$1000.00} from my bank account to go into my PayPal account. The PayPal app claims that my funds will be in my PayPal account on XX/XX/XXXX. 

Once seeing that funds were not in my PayPal account at the end of the banking day of XX/XX/XXXX, I called PayPal. PayPal 's customer service first said that funds should be in my account by XXXX. After not seeing funds in my account after XXXX, I called again. 

Customer service then said that funds will be in my account at midnight or even on XX/XX/XXXX. Six business days later. 

In a day and age when payments are processed instantaneously and normal banks reliably transfer funds, PayPal 's slow processes are unacceptable and risky. Furthermore, payments that are supposed to be made with PayPal deposited funds are delayed causing concerns, lost business, as well as other risks.
Product: Debt collection

i recently obtain a copy of my credit report and noticed and account i did not authorize. Credit collection services continue to violate my rights via fair debt collection practices act, i have enclosed a copy of my ftc report. This is my cease and desist letter. ALL communication with this company should stop .im am the original consumer ; also i have included and highlighted a list of violation each violation is XXXX. This exhibit along with my affidavit of truth will be mailed
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

Basically you went to a casino. They overcharged my account with withdrawals and reversals and Bank of America was supposed to stop it after I called their company and put a block on the account and on the card they still allowed them to overcharge my card {$4000.00} in XXXX night and Ive had a limit of {$1500.00} that can only be withdrawn from the account so they breached the contract right there And over a couple days that happened at the same casino resort so instead of fixing it and getting the money back for me they decided to close my account and now every time I call the same answer they they have nothing to say to me basically they cant tell me or disclose any information on my old account with me and theyve been sending me these letters And your fabricated explanations of why they havent resolved the issue yet and its been over 40 days and XXXX trying to get my money back and all theyre trying to do not help so thats why they closed the account and theyre trying to put it off on me
Product: Credit reporting

On XXXX XXXX, XXXX, I applied for a bank account with XXXX XXXX Bank in order to receive discount on a new vehicle loan. The account was initially approved but then refunded due to a report from ChexSystems. I knew of no reason for the report so I contacted ChexSystems via their website XXXX XXXX, XXXX. I asked for VALIDATION of said dispute on their email system. They sent me a letter dated by them XXXX/XXXX/XXXX, however it was the XXXX that I received it. Letter stated they would investigate and return information within the required 30 days. A letter dated XXXX/XXXX/XXXX was then received by me saying they had verified the information and it would not be removed. It did not explain their procedures or validate the accuracy. I received the letter in mid XXXX. I was able to finally get a phone number ( not from their site ) and called, the person had a foreign accent and was rude. I then verbally and in writing demanded VALIDATION. I received a letter in XXXX, dated by them XXXX/XXXX/XXXX, stating again that they would investigate and get a response within the 30 days as required by law. Finally I received a letter dated by ChexSystems XXXX/XXXX/XXXX saying they now could not verify the information and it was removed. I have all these letters. Also, in my state, they withdrew their bond and their license was terminated in XXXX. The paperwork is too much to scan and send but I can provide it. They obviously stalled and obstructed the compliance procedure. Simply though, they broke the law by not providing accurate information of their verification process and doing so was not in legal time frame and they are not a legal entity in my state, with no Resident Agent ( which I asked for and never received name thereof ). It took from XXXX to mid XXXX to have it removed, clearly not within 30 days.