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

I am a living human being I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And the violated my rights numerous of times .I demand the counts listed below be removed. 


According to 15USC 1681 ; I have the rights to privacy and I did not give Equifax permission to furnish these accounts Account : XXXX XXXX XXXX Dates XX/XX/22 XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX
Product: Checking or savings account

On XX/XX/XXXX I tried to move a small sum from my Citibank savings to my Citibank checking/debit account. It would not allow me to do that. After many attempts I finally spoke to a representative. That representative informed me that my account was inactive ( there is over $ XXXX in the account, it has received monthly interest payments, but I haven't moved any money from the account because it was put there based on an incentive that was offered by Citibank for an additional percentage of air miles tied to my Citi credit card through XXXX XXXX. They stated I could visit a branch to get the account activated or submit a letter to their XXXX XXXX XXXX XXXX. Given the nearest branch is nearly XXXX hours away - I submitted the letter with the specific information they asked me to include. They informed me that the account would be activated within 48 hours after receipt of the letter. I submitted the letter via priority mail through the United States Postal Service on XXXX. Based on the tracking information, which was provided to Citibank numerous times, the letter was delivered on XXXX at XXXX to the mail room. I followed up the next day to be sure they had received and customer service said that they didn't see any update from the back office but that it normally takes 48 hours. I waited until XX/XX/XXXX to follow up again, since the account was still inactive. The supervisor ( XXXX ) told me they had nothing from the back office so she would send a request for response. I then waited 72 hours and called back on XX/XX/XXXX since nothing was resolved and the account was inactive. I was told by the supervisor ( XXXX ) the they had not received a response from the back office, so he said he would send another request for update. He also told me he would have a manager contact me in XXXX hours. I heard nothing from them. I followed up again on XX/XX/XXXX and spoke with the supervisor ( XXXX XXXX who said the office was closed for XXXXXXXX XXXX XXXXXXXX XXXX and to call back on XX/XX/XXXX. I called back on XX/XX/XXXX and spoke with the supervisor ( XXXX ) who told me they had heard nothing back from the back office. She said she would send another request. I asked her to get someone from the back office on the phone so we cold resolve in a three way conversation. She informed me that the back office did not take calls. I told her I wanted to talk with a manager and she said they don't take calls that those had to be scheduled and that a manager would call me in 24-28 hours. I told her that I didn't get a call the last time that was promised. She said that was all she could do. So now we are XXXX past the initial attempt to transfer money and Citibank has and is not showing any attempt to allow me access to funds that belong to me. The tracking number from the USPS is XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries reporting on my Equifax report. I have contacted the XXXX XXXX and XXXX as well as Equifax for the six inquiries and still no results. 
1. XXXX XXXX 2. XXXX 3.XXXX XXXX 4.XXXX XXXX 5. XXXX XXXX 6.XXXX
Product: Credit card or prepaid card

I contacted rushcard   XXXX   XXXX   I had been expecting my card that day or the  XXXX  with my tax refund loaded on it. When I checked the status of my refund it said it was already sent. I contactacted rushcard and they had told me my balance was  XXXX  and I had recieved my refund on the   XXXX   XXXX   XXXX   So I disputed  XXXX  in unauthorized withdraws and charges. i had never recieved the card and someone had activated it. I gave them a police report number and started my dispute I was told within 10 day my account would be credited. That never happend. on the   XXXX   XXXX   XXXX   I was told they found no error in my dispute and I had to send a hand written rebuttle letter I also did that right away they claimed to never recieve it. Here it is the   XXXX   XXXX   XXXX   and ive emailed the rebuttle letter and faxed it every day since. They are not refunding my tax return. I never recieved that card and they are not helping fix the issue.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, my Moneylion account was taken over by a fraudulent criminal. Based on previous use, I would request an instant cash of {$100.00} a day and have never transferred funds to another Moneylion user. The transaction that occurred resulted in the fraudulent individual requesting {$1000.00} in instant cash and additionally requesting a XXXX XXXX  loan of an additional {$1000.00}. This would be unusual in any event, but extremely suspicious based on my normal usage. After contacting Moneylion directly, and creating a fraudulent claim, Moneylion stated the transaction was authorized by the user which is complete false. The representative who assisted me in customer service reviewed my account history going back to a year and noticed my normal usage patterns. The outcome of Moneylion 's investigation is asinine at best, and fails to protect me as a consumer of their products.
Product: Credit reporting or other personal consumer reports

i have disputed this collection with equifax before. this collection is not mine. i have never lived at this address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called this company several times, no answer, I don't even know who there are how can this just end up on my credit report and I don't even know what it is all it states is Online Information Svcs, this is hurting my credit report drastically, I would like them to show proof or delete from all 3 credit bureaus immediately.
Product: Mortgage

I applied for mortgage forbearance back in the first part of XXXX. It's now XXXX. Almost 2 months later. They keep telling me it's got to go to the board. I feel that they are dragging their feet. The mortgage forbearance runs out the end of XXXX. I was 6 weeks late with my my payment for XXXX when I applied. Have not heard anything yet. Have called and gone in. They keep telling my the same thing. Has to go to the board. I'm high risk so I'm unable to work right now. I'm a neck breather. I was cleaning houses for a living. I don't want to lose my house. What can I do? Please help. Thank you.
Product: Payday loan

The company BalanceCredit.com took a payment from my bank account on a day that was n't scheduled for a payment. I have n't received overdraft fees yet but I will. 

Their address is here : Balance Credit Attn : Customer Support XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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: Debt collection

XXXX Bank would not provide any documents that was requested so it was subpoenaed. Now the XXXX shows an electronic signature which is Identity theft as well as the date of the signature. The Esignature that allegedly is signed as XXXX XXXX says it was authorized on XX/XX/XXXX. The XXXX XXXX were opened in XXXX. This is evidence it should be accepted as fraud and Identity theft just like all the other accounts that were dismissed just recently. Also, Please provide your fraud investigation and the documents that was used to determine the denial of the fraud claim. The attachments will show that nothing was signed by myself, XXXX XXXX. Everything was electronic including the payments to the accounts. There's no evidence that links these XXXX accounts to myself
Product: Debt collection

To Whom It May Concern : This letter is regarding account, which you claim I owe {$240.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX   ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a payoff amount from Mr. Cooper to pay off my second mortgage. Prior to requesting the payoff request I paid my XX/XX/2018 payment. My payoff was to be paid by XX/XX/XXXX XX/XX/2018. On  XX/XX/218 via wire transfer I made a payment with XXXX XXXX. According to XXXX XXXX case # XXXX the payment was paid on XX/XX/2018. The payment was made to the specific account number indicated on Mr. Coopers payoff quote. Mr. Cooper is claiming that they did not receive the money. XXXX XXXX home mortgage ( the lien holder on my first mortgage ) somehow intercepted the money and credited my first loan. This is currently under investigation. I then made another wire transfer to the same account number with XXXX XXXX XXXX XXXX. The payment was received and credited on XX/XX/2018. Within the time frame that was indicated on my payoff documentation. I contacted Mr. Cooper several times regarding this issue. I informed Mr. Cooper of the initial problem on XX/XX/2018 regarding the transfer. I spoke with XXXX. My loan was paid off in XX/XX/2018. According to my documentation and my payment history I have never been late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

Citibank , N.A . advertised a promotion to open a consumer checking account with a certain dollar amount and receive a cash bonus. Citibank failed to define specific terms of the promotion to its employees and resulted in an apparent deceptive practice bankwide. This practice may have had a negative affect on individuals who receive monthly social security or other government payments. This complaint is not only for the failure to pay the advertised bonus to me but all those who were denied a bonus during the same time period ( XX/XX/XXXX - XX/XX/XXXX ). 

Here is the promotion clause in question : 1 qualifying deposit must post to the new checking account each month for 2 consecutive months after opening the new account This clause has numerous Citibank employee interpretations since it does not state when the 2 consecutive months start. 

Example : New account opened on XX/XX/XXXX and meets all other qualifications. On XX/XX/XXXXgovernment benefits are requested online to be directly deposited into the new Citibank account. Since the government benefits are paid once each month on the first day, the first automatic deposit to the new account will be on XX/XX/XXXX. ( Was not possible to re-direct any sooner as stated by government website ).

Promotion benefit was denied for failure to meet direct deposit for each month. 

Several calls were made to Citibank regarding the denial and each employee had a different viewpoint on the promotion details. I was also told if we pay you, we have to pay all the others we denied for this reason. 

Note : if you look at the promotion on the Citibank website today, it clearly states 60 days for the receipt of the first direct deposit. This was a correction by the Bank and as such, they should pay all those who were denied for their failure to make the earlier promotion clear.
Product: Credit reporting or other personal consumer reports

**Subject : Complaint Against Experian for Violations of FCRA and Privacy Act of 1974** Dear CFPB, I am writing to formally file a pre-arbitration complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( ii ), and the Privacy Act of 1974. Experian has improperly included transaction histories, late payments, and credit utilization data in my credit report, which should be excluded under 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( ii ). This section, as outlined in 12 CFR 1022.3 ( c ), excludes transaction or experience information between the consumer and the reporting party from being included in a consumer report. 

Moreover, Experian has shared my transaction history with affiliated companies, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account in violation of both the FCRA and the Privacy Act of 1974. 

I request that Experian update my credit report to reflect all transaction histories as zero and ensure that all accounts are reported as current. Experian has 30 days from the date of this letter to make these corrections. If these updates are not made within this timeframe, I will have no choice but to initiate electronic arbitration proceedings. 

These actions by Experian represent a clear violation of the FCRA and the Privacy Act of 1974, negatively impacting my creditworthiness. I urge the CFPB to take immediate action to investigate these violations and ensure compliance with the legal standards set forth in these regulations. 

Thank you for your prompt attention to this matter.
Product: Debt collection

Contacted XX/XX/XXXX by automated system, and call was returned. Spoke with gentleman, and I advised him that I would contact the lender regarding this claim they have stated they have given I have arrangements with the company. I advised him I would contact the lender, and he stated " We are done here '' then disconnected the call. After this event, I returned the call to the company Eastern Asset Services contracted by XXXX XXXX His first response was either what do you want you little XXXX, or what the XXXX do you want. I advised him that I will not be talked to in a abusive manner and do not contact me as I will contact his compliance department. 
XX/XX/XXXX at XXXX XXXX  I received a call from the same number after requesting Do Not Contact. 
Returned the call and spoke with what seemed like the same gentleman XXXX XXXX who is the office manager of the facility. 
He stated that my account had been closed as of XX/XX/XXXX, and also stated that no contact had been made. This is clear misrepresentation of the facts surrounding the initial attempt to collect, and evasive methods attempting to conceal their inability to follow proper state and federal regulations stated in 15 US 1692f.

In addition, I spoken with compliance regarding this matter, and they are currently investigation the incident that occurred, but this will be pursued in a legal capacity as no individual should be subject to such demeaning attempts to collect any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX continue to report these inaccurate items on my credit report.
XXXX : The amount of the loan is incorrect, the date started loan is incorrect, the late payments are incorrect, the monthly balance is incorrect, the loan terms is incorrect.
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XXXX XXXX : Past due amount is wrong, late payments are wrong, status is incorrect.
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XXXX XXXX XXXX : The amount past due is wrong, the initial amount is wrong, status is wrong.
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XXXX XXXX : The last date report is wrong, late payments are wrong, the balance is wrong, the status is wrong.
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I have contacted all of these companies personally and they continue to state these items are verified and no change has been made. I have disputed these items with all three credit bureaus multiple times and I 've received reports stating these items are valid and no change. I am looking to purchase a home and these accounts are affecting my chances of getting approved. Please Validate these accounts or delete these items off my credit report. Thank you.
Product: Student loan

-For XX/XX/XXXX through XXXX XXXX ( and again in XX/XX/XXXX ), I worked for qualifying employers ( both employers have been certified via ECF with DOE/Fed Loan ) . For the above-noted time periods, I verbally ( over the phone ) requested a hardship forbearance ( from PHEAA and then Fed Loan Servicing ) on my federal student loans ( both subsidized and unsubsidized ). I did this because I believed that I could not afford to make the payments under a qualifying IBR plan. At no time did the customer service rep ever explain to me other options to lower my payments so that I could make PSLF qualifying payments, even though I indicated that I was a government employee interested in PSLF. The only paperwork I ever received from them was confirming my hardship forbearance request. I never received any information/documentation about the implications of this request, nor was I ever required to provide proof that I was eligible to receive a financial hardship forbearance. After the DOE announced the limited waiver in XX/XX/XXXX, I called Fed Loan Servicing several times and inquired with a customer service rep. about retroactively correcting this and was told that I could not do this. I forget the exact dates, but I called once in XX/XX/XXXX and once in XX/XX/XXXX. This forbearance steering by the student loan servicer has now caused me to not qualify for forgiveness even though I have worked for qualifying employers for over 10 years. The DOE temporary waiver rules ( and PSLF/TPSLF ) programs still do not account for this ( and it does not look like their negotiated rulemaking will help either ). I am respectfully requesting that CFPB review my and many others ' personal situations to show that this past forbearance steering has substantially negatively impacted many PSLF applicants.
Product: Credit card or prepaid card

I have a closed account on my report : XXXX XXXX credit {$2300.00} Acct : XXXX I recently inquired about this account with both XXXX XXXX and XXXX XXXX XXXX  XXXX and XXXX  XXXX 

None of these companies were able to assist me. I wrote them deletion letter in XX/XX/2019. Still no response. 

This account that has been closed is affecting my credit report. Due to covid I have to move and look for another job. I would like this negative remark removed from my account. 

Thank you
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Experian credit reports do not show the correct balance that I owe with XXXX XXXX XXXX. I would like them to please update their records accordingly. 

In addition, Experian and XXXX do not allow me to put a consumer statement on my report and I would like the following statement to reflect on my Experian and XXXX reports : The reason my credit history has late payments and a couple of cards have charged off was because my mother was diagnosed with XXXX at the time and I had to take care of her. I had to pay for bills along with medical expenses for her because she could not work. I am currently trying to rebuild my credit as she is XXXX free now.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.
Product: Debt collection

I called the debt collections agency XXXX XXXX XXXX to resolve this issue, because the debt is not mine. I told XXXX XXXX XXXX that the debt is not mine, but they will not remove the three debts originally two from XXXX dated XX/XX/XXXX for {$160.00}. The second is also from XXXX dated XX/XX/XXXX for {$690.00}. The third is from XXXX XXXX dated XX/XX/XXXX for {$590.00}. Three of which I have never had. Please help me remove the debt from my credit.
Product: Vehicle loan or lease

Ive tried reaching out to Wells Fargo about the fees and interest related to the loan and all I got was oh thats the interest when I looked at the payment I noticed that any of the payment that was made nothing was going to the loan itself so much of the interest was going to the back end of the loan. Ill never be able to pay it off and that wasnt something that was Initially stated at the beginning of the loan theres so many fees and so many things that are showing at the back and that wasnt present at the beginning when I purchased a vehicle with Wells Fargo its very hard to get any kind of payment plans if something goes wrong theyre not willing to help at all
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is XXXX XXXX and I am submitting this CFPB Complaint in response to your recent investigation that took place on my credit record. I do appreciate the time you take in correcting some of the misleading information previously listed on my credit information. However I still need to assure complete accuracy on all items posted on my file. Therefore I ask you to provide me documentation regarding the precision of the items in question. YOU ARE REPORTING A DELETED ACCOUNT AND INFORMATION FROM THE OTHER CREDIT BUREAUS. UNDER THE FAIR CREDIT REPORTING ACT, CREDIT REPORTING MUST BE ACCURATE. Please conduct another investigation into the items below : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}