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

Since I opened up a new account with Citibank barely two months ago, my account is blocked. I lost count how many times I've called Citibank with my concern either the agents are very rude, say they can't help me than say I'm disconnecting the call, or take through interrogation like I'm the guilty one for opening the bank account. My bank account has been blocked now for over a week, I feel like I'm being taking around in circle with no one even trying to resolve it. I filed with XXXX, because this is getting way out of hand, I can't even add the money that's in the account to pay my rent. Every agent I have spoken with keeps asking me did I receive a call or voicemail with a code, I said no. That's when the agent said there's nothing they can do to help me, I'll have to wait for the verification letter to come in the mail with the code what sense does that make. I even called my cell phone provider to give me a new phone, obviously the number associated with my account is the big problem. I end up contacting Citibank Ethic Department spoke with XXXX who picked up the case from XXXX told me the program is old school and the company are stuck in the old days. She told me to give her 15 days, she needs to pull & listen to all the calls, which is tome consuming, I didn't understand why she couldn't unblock or transfer me over to someone who could do it. I'm so XXXX off, I've seen on the website going far back as 2-3 years with the same thing that I'm going through in XXXX. I end up calling my cell phone provider told them about my concerns which XXXX changed my number immediately. I went online today XX/XX/XXXX  to bank in order to update the new number and called Citibank to let them know I changed my phone number of course that didn't work at all period. Every time I called ask for a supervisor it's the same old excuse either in a meeting and I'll one call you back or no supervisor is available, this has been 4 out of 7 days no supervisor is available. I told them my next step is getting a lawyer, it's stressing me bad. I would like results like yesterday and a sincere apology, update their systems to the 20th Century and more importantly retrain agents on how to talk to members when they call on the phone, BE PROFESSIONAL AT ALL TIMES.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and disappointment with the lack of response to the disputes I submitted to TransUnion, XXXX, and XXXX regarding inaccurate information on my credit report. Despite providing detailed documentation and listing the violations they were making to my consumer report, it has been over 30 days, and I have yet to receive any response. 

This failure to address my concerns is unacceptable. The violations of FCRA 605 ( c ) and FDCPA 809b demonstrate a blatant disregard for consumer rights and legal obligations.

I demand immediate action to rectify these violations and ensure that my credit report accurately reflects my credit history. Enclosed, please find copies of all letters previously sent to your agency for your review and reference.

Failure to address this matter promptly and effectively will leave me with no choice but to pursue legal action to seek restitution for the damages caused by your agency 's negligence. 

I expect a prompt response detailing the steps taken to address and rectify the inaccuracies on my credit report.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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

I have identified inaccurate information on my XXXX, Equifax, and XXXX reports that is a result of identity theft. These items are not related to any transactions completed by me : XXXX XXXX XXXX # XXXX {$20000.00} ; XXXX # XXXX {$10000.00} ; XXXX XXXX XXXX  # XXXX {$7400.00} ; and XXXX XXXX XXXX XXXX # XXXX {$160000.00}. I am requesting these items be blocked and deleted. My request to block and delete these items are not made in error ; nor being made on the basis of a material misrepresentation of factXXXX, Equifax, and XXXX are required by law ( 15 U.S.C. 1681c-2 Block of information resulting from identity theft ) shall block the reporting of any information in the report and fi le of a consumer that the consumer identifies as information that resulted from and alleged identity theft, not later than 4 business days after receipt of such agency of -- 1-appropriate proof of the identity of consumer ; 2- a copy of the identity theft report ; 3- the identification of such information by the consumer ; and 4- a statement by the consumer that the information is not relating to any transaction by the consumer.
Product: Credit reporting

I have an account with citifinancial XXXX also known as pilot recievables XXXX that is clearly not mine i have since gotten a verified police report and notarized identity theft victims affidavit that has been notarized that has been deleted from all other bureaus because of it being clearly a result of identity theft that is still reporting on your bureau this fraudulent account that has been idenitifed as fraudulent needs to be removed asap
Product: Credit reporting or other personal consumer reports

My account with with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
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, 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: Student loan

In both XX/XX/2022 and XX/XX/2022, along with numerous times in the last couple of years, Navient and XXXX XXXX ( a subsidiary for Navient ) has been charging interest on all my students loans throughout this COVID situation. Several 10 's of thousands of dollars. I disputed this on my credit reports and without my knowledge, authorization, permission, or my signature, they put every single one of my loans into in school forebearance. 
There are many problems with this : I am not in school. I did not request this. This was done without my knowledge or permission. 
Because of their actions this caused my credit score to drop over 150 points. I have been in an IBR for several years now, and this probably just messed all of that up, let alone any chance of public forgiveness in which I am currently try to obtain.
Product: Debt collection

I have been paying in my student loans for years and my taxes have been taken ..I started to question who 's loan this is since I have not been in college since 1989 and I wanted a pay history of all the payments that have been made because I could n't possibly still owe almost $ XXXX dollors still so when I was dealing with them dept of edu and I started questioning the debt all of a sudden I get notice I am with a collection agency and now I cant deal directly with the dept of edu any longer I have to deal with the collection agency
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is impossible for me to fix my credit. I do everything I possibly can and items that are 100 % false and incorrect never come off my report. It will drop XXXX points in a day with no explanation. Ive got barely any debt and it doesnt reflect a correct debt to income ratio nor does it ever seem to get above XXXX when I have paid off student loans, pay CCs on time, have no mortgages or bankruptcies and a bunch of items that are medical bills that didnt bill my insurance when I was fully medically insured ; I dispute them and they deny my claim but dont give me reasons why. Im XXXX and work daily for years to fix my credit and its impossible due to obfuscation, misinformation, wrong information, and inability to properly dispute flagrantly incorrect or fraudulent items. I need to buy a home and move forward with my life and this is making it impossible to do so. Please address XXXX XXXX XXXX  Transunion Accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022 a document to correct a reporting issue of inaccurate and unwarranted inquiries ( Counted 31 total ) and reports were discovered on my report. To my knowledge, I have not granted any company permission, either at all or 90 days upon filing an SSA-89 form from the IRS to be reported on my personal consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent several letters certified to credit bureaus and creditors regarding inquiries on credit report, asking for verification and proof that they were requested by myself. None has been given but credit reporting agencies keep stating that they are verified. 

Including the most recent letters below, I have copies of letters and certified cards where they signed for the letters, also sent to creditors.
Product: Checking or savings account

I'm having an ongoing issue with PNC bank. The branch I'm having issues with currently is XXXX XXXX XXXX XXXX PA XXXX. There was a fraudulent check tryin to be withdrawn from my account. They did not file a report about this issue. They did not give me the options or measures to take because of this issue. My account is compromised and I want to know the next steps. They are not giving me the ID of the person who tried to cash the check either. The bank manager 's name is XXXX XXXX XXXX. I recieved an email from him on XX/XX/XXXX and left a voicemail for him. He called me XX/XX/XXXX but he told me to call the main number. I called the main number and there was no complaint in place. I tried to stop by the branch but he was not working. I left him another message and emailed him on XX/XX/XXXX with no reponse. Another amail was sent febuary XXXX and still no response. I need this issue to be resolved right away and a police report filed.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 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  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Checking or savings account

XX/XX/year> DEPARTMENT OF MOTOR VEHICLES Operations Division XXXX XXXX XXXX XXXX, CA XXXX Dear Dishonored Check Unit : On Tuesday, XX/XX/year>, I renewed my vehicle registration online at XXXX. The amount due was {$180.00} and there were enough funds in my checking account until XX/XX/year>, to cover the fees. It is my belief that my bank and/or the DMV deliberately waited over two months until the fees were not in my account to attempt to process and reject this payment. I need to know from the DMV the exact date and time Citibank purportedly rejected my online payment as Citibank was unable to provide me this information. Additionally, I am requesting a refund in the amount of {$100.00} for the late fees I was charged. 

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

No positive payment history reported from repayment of XXXX loan XXXX loan 19 month auto pay 1 week early. previous auto loan payment history from XXXX multiple satisfied obligations. Improper use of reports not fair and equitable additional payment history incorrect no payments ever late or United States of America failing to fulfill obligations and direct any outstanding obligations past future present as all debts public and private are responsibility of The United States of America department of the treasury so must be a accounting mistake because the United States of America always pays its debts. I am just a beneficiary of a sound mind. Trustee failing to perform fiduciary duty.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent letters to Experian and XXXX  regarding inaccurate and unknown things on my credit reports to Experian and XXXX. To this day over 30 days later. I have not received a response at all. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it states that, failure to investigate these items within 30 days and gives a reason to immediately remove those items from my credit reports. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to stress you have caused me. My information may have been impacted by the XXXX Data Breach and may have gotten in the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX and XXXX account number XXXX has violated my rights. 

15 U. S. C. 1681 section 602 A States I have the rights to privacy.

15 U. S. C. 1681 Section 604 A It also states a consumer reporting agency can not furnish a account without my written instructions. I did not give them written Instruction.
Product: Debt collection

Capital One bank made a judgment to garnish my wages! I had this dept back in XX/XX/XXXX and not only that the judgement is saying that I am making {$600.00} a week which is false I make not even half that a week. It has been over 7 years so that statute of limitations has passed. I should not have to pay this. I have not made one payment to satisfy this dept for almost 10 years. This judgement was first made XX/XX/XXXX and it is XX/XX/XXXX. The lawyers for Capitol one are XXXX and XXXX XXXX and their number is XXXX
Product: Mortgage

Our loan was transferred from XXXX to Rushmore and they did not send our Forebearance information from XXXX and we are now receiving threatening mailings from XXXX XXXX XXXX. I also sent an the approved Forebearance Attachment to Rushmore over 2wks as well to : XXXX and did not receive any acknowledgement. This is causing tremendous XXXX to my husband and I as we have gone through enough with our XXXX  who was XXXX for over 34 days in XXXX which has caused tremendous XXXX and extenuating financial circumstances which is why we had to go through the loss mitigation process with XXXX XXXX and we thought all the information would be transferred seamlessly to XXXX XXXX XXXX. However, we are still receiving threatening notices from XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Please removed all inaccurate information in my credit report.
Product: Checking or savings account

i opened a checking account with First Midwest Bank under a promo where i would receive {$250.00} if i followed through with several requirements. This included 10 debit card transactions, XXXX deposit, e-statements, and mobile banking. 

After contacting them several times about the details of the bonus requirements and if i had satisfied them, they are now refusing to pay out bonus because according to them - i didn't sign up for e-statements. I don't agree with this statement from them. When i finally was able to login online, i went into their system and selected online statements for the checking account. Their website timed out several times doing this, but i finally got to a screen where it worked. For some reason, my e-statement selection must not have stuck, but they told me i didn't fulfill this requirement. 

I am alleging that something reset or didn't hold on their website 's end, and they are not refusing to pay out bonus because of an error on their part. 

In addition, a few weeks after i opened the account, i got a letter in the mail saying i was signed up for overdraft protection. I remember opening the acct and not selecting overdraft, but they then went ahead and signed me up for this even though i opted out of this service. 

I had planned to use this account and switch over all of our household accts. After getting some less than reasonable service i wanted to wait until bonus paid now. Now, i am very disappointed about them denying this bonus due to a problem on their end.