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

I had filed a complaint regarding this ongoing issue with Citibank. As of today they have not solved this and are ignoring all my communications to them. I need the loan returned to SBA and they are refusing to do so even after I have provided everything they have asked from me. Here was the original compaint and the issue I'm having : On XX/XX/2021 I had my SBA EIDL loan for {$23000.00} deposited into my Citibank checking account. Citibank immediately froze my account and I was told by their fraud department that they will have to investigate the funds. After about 2 months they closed all my accounts and said they will return the money to SBA. It has been over a year now and SBA has not received the funds back. My loan is still active and I'm due to start making payments on it. I've called Citibank dozens of times and spent hours at a time trying to get someone to help me figure out why they haven't returned the money and to provide something in writing that shows why and where my loan funds went. They refuse to do so and most of the time the representatives just hang up on me after spending almost XXXX hours at a time on the phone. Their call center is outsourced and it is very hard to understand and communicate with their agents and they are very unhelpful. They keep telling me they will need to talk to someone in the " back office '' and they transfer me there but either they hang up or I would just be on hold for hours without anyone answering my call. I went into the branch and they also have to call the same number and go through the same process customers do so going into a branch was no help at all. Please help me get my loan returned back to SBA. I don't want to be stuck paying a loan for 30 years that Citibank stole from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX WY XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXXXXXX Balance XXXX {$300.00} XXXX XXXX Balance : {$870.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$600.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$740.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX INFORMATIVE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company ( National credit Adjusters ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. 


Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to  collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is  statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. 


Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Man with my God Given name ( XXXX XXXX : House of  XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
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. 


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 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 reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off XXXX  XXXX XXXX XXXX XX/XX/XXXX {$0.00} late payment XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX personal information Previous Address ( es ) : XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX Previous Address XXXX es XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Employers : XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax used my information improperly by failing to store it securely, willfully allowing an information hack that will affect me and millions of other credit users for the rest of our lives. They cut corners by saving information in plain text, compromising millions of involuntary customers who have no right to refuse service, increasing the company 's responsibility to protect its unwilling " customers. '' Furthermore, their response to their failure is unacceptable as they are offering ONE year of identity theft protection. This is a lifelong struggle caused by their negligence and they should be offering lifelong protection to all victims.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit report on XX/XX/23, it was noted that an account I have disputed as " not mine '' is still reporting after disputing this information with TransUnion. TransUnion has not provided proof of ownership of this account and continue to report this inaccurate information damaging my credit worthiness. I am requesting the proper verification and accuracy of this account. The account is reported as XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

balance is XXXX, not XXXX this card was closed
Product: Credit card

On XX/XX/year>, I had a balance of {$780.00} due by XX/XX/XXXX on XX/XX/XXXX I paid {$500.00}, and then remaining balance was only {$170.00}, however lowes charged an interest of {$240.00} in next statement reflecting that a promotion was not paid in full, there they have the right to charge the interest on full purchase price instead of remaining balance.
Product: Prepaid card

I helped a friend pay their internet bill in XXXX and in XXXX i found out that XXXX had automatically taken money out of my account on XX/XX/XXXX and XX/XX/XXXX but were not authorized to do so. I contacted Direct Express to make sure this did not happen again so they sent me a new card which i asked them to expedite to me. The customer service agent told me to fax or email a letter to the Dispute Resolution Dept with the information about the unauthorized transactions ( I sent the email on XX/XX/XXXX ) and i would receive a refund in 10 business days after they receive my info. So i emailed the information. I recieved my new XXXX XXXX in 3 days and activated it with no problem. after the 10 days I called over and over with many calls being dropped after holding for almost XXXX hours and finally reached someone who then asked for the email address and phone # on file. I gave her the same email address and phone # i have been giving and was told they were not the original ones on file. I told her no one else has had a problem with my info except her. The email and phone numbers i had in XXXX have changed over the years. Government phones break and when phone numbers change sometimes you cant get into your email account if you need the old # to verify it but this person was a real jerk and even though i could tell her what my old phone # and email were and gave her all the correct answers like my address and my mothers maiden name, my card was locked. 
So then they asked me to send a valid ID and when i did they said it was expired but it was not so i sent it in again. Then, they said they could not validate my account and to go to the SS XXXX. 
I sent ID XXXX, XXXX ) all denied!!! 
I have had no access to my money since XXXX and they never did process my refund from the unauthorized transactions. This has never happened to me as i have never had any problems with any other customer service people. I blame the customer service agent for escalating this improperly but what is the problem with the ID. I sent a XXXX picture of it front and back like they asked and still my card is locked. 
I found an attorney to handle my case but im hoping this can get resolved.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash App ( Block , inc . ) due to inadequate customer service and unfair practices which violates the consumer financial protection act ( CFPA ) specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Against Equifax for Inaccurate Late Payment Reporting on Account XXXX Dear Sir/Madam, I am filing this formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX under the creditor XXXX XXXX. Despite multiple requests for correction, dated XX/XX/XXXX and XX/XX/XXXX, no changes have been made. This lack of action violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) and has caused undue harm to my creditworthiness. 
Details of the Reported Late Payments : Equifax : Late payments reported in XXXX and XX/XX/XXXX. 
XXXX : Late payments reported in XXXX and XX/XX/XXXX. 
XXXX : Late payments reported in XXXX and XX/XX/XXXX. 
Legal Violations and Evidence : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of the information in consumer files. The late payments reported on this account are inaccurate and have not been corrected despite multiple disputes.

15 U.S. Code 1681e ( b ) : Credit bureaus are mandated to follow reasonable procedures to ensure maximum accuracy of credit report information, which has not been upheld in my case.

Truth in Lending Act ( TILA ) Violations : 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments indicates a failure to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely and accurate statements to prevent unfair penalties to consumers. The errors in my account reporting violate these protections.

Resolution Sought : Immediate removal of all inaccurate late payment notations from my credit report for the account listed above.

Written confirmation of the correction from Equifax.

If this issue is not resolved promptly, I will escalate this matter, including filing additional complaints with the appropriate regulatory agencies and pursuing legal action if necessary.

I have attached copies of my previous dispute letters, the relevant sections of the law, and supporting documentation for your reference. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, I signed documents to refinance along with my husband XXXX XXXX XXXX. My mother, XXXX XXXX XXXX was a witness and also had to sign as a witness. When the paperwork was filed and processed, our mortgage payment was approximately {$920.00}. On XX/XX/XXXX, my husband promptly contacted the loan company which was called Lakeview Loan Servicing and forbade them from providing any information related to our property. This was unbeknownst to me. On XX/XX/XXXX, he announced the desire for a divorce and attempted to kick me out of the house. He also began to be physical with me in order to get me to leave the house and abandon it. I then filed a TPO and spoke to a lawyer. When I called Lakeview Loan Servicing Company to see why the mortgage had increased exponentially, they told me that they could not give me any information related to the property even though my name was and still is on the Security Deed. It is against the law and unethical to refuse information to a property where their name, credit score, and any other information is attached and has been used to make money and/or maintain a loan. Therefore, I am requesting that Lakeview Loan Servicing Company provide me with ALL access to the property, XXXX XXXX XXXX XXXX XXXX GA XXXX as it is involved in a current divorce case. If they refuse, I will get my lawyer involved to identify what legal repercussions can be taken against Lakeview Loan Servicing Company for transgressing upon my rights as a financial consumer. Thank you.
Product: Credit reporting or other personal consumer reports

I need your support to address an incorrect account on my credit report. This issue has negatively impacted my reputation, and I require your help immediately. Your improper reporting has caused immense distress, and I need these mistakes corrected to ensure peace for my family.
Product: Debt collection

I have numous times wrong address information I never lived in the apartment they are charging false debt and when i ask for the contract or orginal debt they claim to be lawyers and keep sending me the same false information. And continue to report to my credit
Product: Credit card or prepaid card

I, XXXX XXXX XXXX received a letter from Bank of America on Monday, XX/XX/2020 stating that they have immediately closed my account as my profile risk factor is no longer acceptable to the company. I have attempted to reach them by phone several time, however I could never get through to talk with an associate. The letter said that any pending purchases may be declined and that any reward points would not be honored. There was no explanation for the cancellation. I have timely payments, my credit score is in the high 700 's and I am employed full-time. My balance is substantially lower than my credit limit. I can not believe that their action is legal or ethical, particularly during time when financial institutions should be helping individuals and families that are feeling a hardship from the pandemic that is taking place. I am not sure what I am being discriminated against and I am unsure of what damages I might receive from this action playing a part in my credit rating. I want answers. Thank you.
Product: Debt collection

I owed XXXX cable {$500.00}. I paid them off then received calls from Diversified Consultants regarding the debt. When I paid off the debt at XXXX I was told it would be removed from my credit report. 

I have contacted Diversified Consultants repeatedly and they tell me that they will not remove the debt collector report showing that it was not paid. I spoke to someone at Diversified Consultants about removing the entry on my credit report but they will not.
Product: Credit reporting or other personal consumer reports

I have unauthorized account on my report named source receivables manag that is in collections thats not mines.
Product: Payday loan, title loan, or personal loan

I requested to pay off the loan in one payment which would result in the cheapest pay off result. However, when the automatic pay off amount came out m account it was for a XXXX when it should have been XXXX $ which is the {$500.00} i borrowed plus the XXXX $ fee charge for borrowing. I called to correct the mistake. And when i asked for the pay off amount it was {$850.00}!! I asked to speak with a manager to listen to the call i placed when i requested the loan and was instructed i would have to pay the XXXX $ as the call stated i requested the one time pay off but was instructed to call back to complete that arrangement. I am not paying that amount when i ask to pay on ly the lowest amount a fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

When COVID-19 first shut down the country my wife and I had a significant reduction of income. Not knowing how long this would last we used our savings and credit cards to continue paying our bills and expenses. However, as the shutdown continued, we applied to PennyMac for forbearance with our VA loan under the CARES Act. They assured us this would not negatively impact our credit report according to changes to reporting forbearance in the CARES Act. We only used two months for forbearance of which our mortgage statements in XX/XX/2020 and XX/XX/2020 were annotated as " Disaster Forbearance Plan Amount Dut {$0.00} ''. Before the end of XXXX our income from my XXXX XXXX resumed and my wife 's XXXX XXXX income resumed so that we could exit forbearance and resume normal payments. We contacted PennyMac and completed the necessary paperwork to restructure our loan and add the two payments to the end of our loan. Within 30 days of ending forbearance, we sold our home in XX/XX/2020 and paid off the entire mortgage amount to include the two months of forbearance. Subsequently when we applied for a new home mortgage with XXXX XXXX, they informed us of two discrepancies on our credit report showing missed payments in XXXX and XX/XX/2020. We immediately contacted PennyMac through their messaging service and informed them of these errors and they responded they would not make any corrections to our credit reports despite the CARES Act requiring forbearance accounts to show as current.
Product: Credit card or prepaid card

I applied for a Capital One Venture card on XXXX XX/XX/XXXX. I was approved for the credit card on XXXX XX/XX/XXXX. According to the company, the card was sent on XXXX XX/XX/XXXX. I received an email on XXXX XX/XX/XXXX that it would arrive by XXXX XXXX. 

However, the card took several weeks to arrive at my home address in Colorado. 
I work XXXX  and the card and full terms and conditions and welcome package did not arrive before I left. 

The account did not show up on any of my internet banking. I received one email that the card had been approved. I received no emails or other form of communication that the account was open or activated. Once I arrived back home in XX/XX/XXXX, I was able to receive the physical card and the full terms and conditions. It was only then, with the physical card, that I was able to call the company, activate the account, and use the card. 

Once I activated the card on XXXX XX/XX/XXXX, I spent {$5200.00} within XXXX, XXXX, XX/XX/XXXX. 

Per the terms and conditions, as advertised repeatedly to me : Earn XXXX bonus miles once you spend {$3000.00} on purchases within the first 3 months from account opening ( 1 ) 1 ) This one-time bonus is available by clicking the Apply Now button on this page, and may not be available if you navigate away from or close this page. The bonus may not be available for existing or previous account holders. 

The company is not clear about what they meant in the terms and conditions by " account opening ''. To me, it seems logical that " account opening '' should be the time when I was able to activate and use the card for purchases and after the account showed up on my internet banking portal. Within the time required, I spent well over the minimum spend required by the terms and conditions. 

The opening date of account is considered by Capital One as XXXX XXXX, even though they are unable to tell me when the card arrived at my house or how long the card spent in transit. Thus, the length of promotional offer was not as advertised. 

Although multiple people at the company have said they can see from my perspective how the advertising was unclear, Capital One has refused to consider my bonus rewards request.