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

Citibank has recently frozen both of my checking and saving accounts which caused my HOA automatic monthly draw to not go through and my bi-monthly direct deposit to stop working. I contacted the bank numerous times and the customer service always direct me to the know/screw your client department where they kept disconnecting my call after taking for 20+ minutes each time. Their explanation for the account frozen was that the information that was provided in the trust was not completed. My wife had contacted the department that is responsible updating the trust information numerous times prior to the accounts being locked and they had never responded, like going into a black hole because they know that it is a institution that is too big to fail. Frustrated and helpless, I went to a local Citibank local branch, the manager was quite understanding and tried to help and contacting that know/XXXX your client department but the response was that the account was under review. But in the meantime, all my online bank activities were frozen. I have been banking with Citibank for many years ( ~15 years ) and i am quite upset to request a third party to intervene on this matter. Sadly, there is no other avenue to resolve this while I am incurring late fees and my credit scores would probably suffer because of some incompetent folks who simply froze their customer accounts without thinking about some consequences. I hope CFPB can bring this issue to Citibanks attention. Thank you.
Product: Credit reporting or other personal consumer reports

Mohela has incorrectly reported to XXXX both in the amount that I owe and the amount of loans disbursed. I have pulled records, the loan update date XX/XX/XXXX, that indicated the Mohela disbursed two loans on XX/XX/XXXX, a XXXX for {$3500.00} and a XXXX at {$3000.00}. On XX/XX/XXXX, Mohela disbursed XXXX for {$3500.00} and XXXX at {$6000.00}. On XX/XX/XXXX, Mohela disbursed XXXX for {$4500.00} and XXXX for {$6000.00}. On XX/XX/XXXX, Mohela disbursed XXXX {$2200.00} and XXXX for {$10000.00}. 

XXXX indicates that when my account transitioned to the new online Mohela platform, Mohela reported to the credit agencies my balance on XX/XX/XXXX. Mohela then reported my loans again, duplicating them, on XX/XX/XXXX. I have attached the notice of loan transition dated XX/XX/XXXX. 

At this time instead of my loans stating the accurate balance of {$37000.00} listed on Department of Education Student Loan portal. Mohela has reported a balance of {$69000.00} nearly double the actual balance. This is fraudulent and an inaccurate reporting of the true loan amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had continual problems with a XXXX XXXX credit card I am a co-signor on. I have filed numerous complaints over the last few years relating to the identical issues. 
1. XXXX XXXX reports inaccurate information 2. XXXX XXXX again has reported inaccurate information on my credit report 3. XXXX XXXX does not respond timely to my complaints 4. XXXX XXXX has admitted to errors in the past but still does not correct these errors 5. I have documents factual proof from past issues and this current problem Current and newest problem : Requesting an EXPEDITED Resolution for the following reasons : -XXXX XXXX has reported a credit card in my name as ( 30 ) days Late for XXXX XXXX - I have irrefutable proof XXXX XXXX reported the above account as late inaccurately attached is a copy of my XXXX credit report from XX/XX/XXXX and a copy of my XXXX XXXX statement dated XX/XX/XXXX showing a balance of {$120.00} and paid on time, NOT {$4700.00} - XXXX XXXX event reports the date of last update as XX/XX/XXXX THIS IS MORE PROOF OF XXXX XXXX CONTINUALLY MAKING ERRORS
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Three months ago I received your correspondence on this alleged account stating your verified /updated, this account was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character Accounts : XXXX XXXX accounts three reporting - 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 DISPUTE THIS ON XX/XX/XXXX AND I WAS INFORM BY A LETTER FROM XXXX XXXX XXXX THAT THE ERROR ON THERE PART HAS BEEN FIXED AND THE ITEM IS NOW SHOWING BACK UP ON MY XXXX AND XXXX CREDIT REPORT. IT NOW 11 MONTH LATER AND THE ITEM THAT I HAVE DISPUTE WHICH SHOULD OF NEVER BEEN TAKEN OFF OF MY CREDIT REPORT IS NOT SHOWING UP AT ALL. A LITTLE BACKGROUND ON THE DISPUTE I HAD BACK IN XX/XX/XXXX. ON MY XXXX CREDIT REPORT IT WAS SHOWING A WRONG DATE OF LAST DATE OF ACTIVITY ON THE ACCOUNT. I WENT AHEAD AND DISPUTE THIS WRONG DATE WITH EQUIFAX AND IN THE PROCESS OF DISPUTING THIS THE ACCOUNT WAS DELETE OFF OF MY CREDIT REPORT AND A COUPLE OF DAYS LATER IT WAS DELETE OFF OF MY OTHER CREDIT REPORTS. I CALLED XXXX XXXX XXXX ABOUT THIS ERROR AND THEY SENT ME MY PAYMENT HISTORY ON THIS ACCOUNT WHICH SHOWED THE DATE OF LAST ACTIVITY WAS XX/XX/XXXX BUT ON MY XXXX CREDIT REPORT IT SHOWED A DATE OF XX/XX/XXXX. I SPOKE WITH SEVERAL REPRESENTIVE ON THE PHONE FROM XXXX XXXX XXXX REGARDING THIS ISSUE. THIS ACCOUNT WAS A CLOSED ACCOUNT AND IT WAS TRANSFER TO XXXX XXXX XXXX. AT THE TIME IT WAS TRANSFER THE ACCOUNT WAS CURRENT AND IT HAD NO LATE PAYMENTS AT THE TIME IT WAS TRANSFER. SECOND LIKE I SAID EARLIER IT WAS A CLOSED ACCOUNT IN GOOD STANDING AND ACCORDING TO THE CREDIT BUREAU IT STATES ANY ACCOUNT CLOSED AS PAY AS AGREE REMAIN ON ONE CREDIT REPORT FOR 10 YEARS. THIS ACCOUNT WAS CLOSED IN XX/XX/XXXX AND THIS ACCOUNT IS NOT DUE TO COME OFF UNTIL XX/XX/XXXX. WHEN THIS ACCOUNT WAS DELETE OFF OF MY CREDIT REPORT IT LOWER MY CREDIT SCORE AND JUST I SAID EARLIER THE ACCOUNT WAS IN GOOD STANDING. ANY LATE PAAYMENTS ON THE ACCOUNT GET REMOVED AFTER 7 YEARS OF THE DATE IT BECOMES LATE IF THE ACCOUNT IS CURRENT. IF THE ACCOUNT WAS NEVER CURRENT AT THE TIME IT WAS CLOSED OR TRANSFER THEN IT WOULD FIT THE 7 YEARS DEQUENCY BUT IN THIS CASES IT DOESNT FIT THAT. ACCORDING TO XXXX XXXX XXXX IN THERE ANSWER THAT THEY GAVE ON XX/XX/XXXX THEY STATE AS FOLLOW AS A RESULT OF THIS DISPUTE THE PROCESSOR INCORRECTLY INDENTIFIED THIS ACCOUNT AS HAVING AGED BEYOND THE REQUIRED REPORTING PARAMETERS AND SUBSEQUENTLY DELETED THE TRADELINE. THE ERROR WAS DISCOVERED AND A MANUEL UPDATE WAS PROCESSED FOR HIS TRADELINE TO REAPPEAR ON HIS CREDIT REPORT, AS TO THIS DATE AND TO THE CURRENT DATE AND YEAR NOTHING HAS REAPPEAR ON MY EQUIFAX OR MY XXXX CREDIT REPORT. THE TRADELINE OF MY XXXX XXXX CREDIT REPORT WAS UPDATE CORRECTLY BUT I AM STILL WAITING FOR THE ITEM TO REAPPEAR ON MY EQUIFAX AND MY XXXX CREDIT REPORT. I ALSO RECEIVED A LETTER FROM THEM THAT STAE THE ITEM HAS BEEN REINSERTED BACK ON MY CREDIT REPORT BUT SADLY IT HAS NOT
Product: Mortgage

In XXXX, 2019 our loan was sold to Gregory Funding from XXXX. At the time of the sale of the mortgage our payments were made timely. Since Gregory Funding assumed the loan, there have been significant issues for which we have contacted Gregory Funding in writing and have not been able to reach a conclusion on our concerns, which include : - After assumption of the loan in 2019 Gregory Funding indicated that we owed over {$5000.00} and we have not received documentation as to why - Gregory Funding increased our loan payment by {$1000.00} creating a payment we could not afford - We have had to pay homeowners insurance on our own because Gregory Funding will not pay this from our escrow - Our payments to Gregory Funding in XXXX, 2019 and XXXX, 2019 were made to interest only causing us to consistently be 2 months in arrears on payments- We continue to accrue late payment charges every single month because of Gregory Fundings lack of response While we acknowledge that some of our payments were late, most at the beginning when we were trying to get the payment corrected, which never happened. We ended up continuing to payment the previous payment amounts. We have attempted almost monthly verbally and several times in writing on getting this issue rectified to no avail. We are hoping to get some help in getting our mortgage to a good place so that we do not constantly have this issue hanging over our head. Any help you can provide to us to act as a liaison with Gregory Funding to understand the status of our loan and an amenable resolution would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

ID THEFT NOT RESOLVED Source XXXX XXXX Date XX/XX/2018 Balance Date XX/XX/2018 Balance Amount {$51000.00} Open Date XX/XX/2018 Status Date XX/XX/2018 Name FORD MOTOR CREDIT CO . 
Phone ( XXXX ) XXXX XXXX Address XXXX XXXX XXXX City XXXX State XXXX Zip XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I made complaint about XXXX credit card for wrong fully charging me late payment, interest fee's.My Credit Score was XXXXit drop down to XXXX score But TransUnion and XXXX  Never fix my Score on credit report.I want them to raise my Score from this incident up 56 points today. 

XXXXPrint complaint, Submitted to the CFPB on XX/XX/2020 XXXX   XXXX has lower score and it never got fix after XXXX Broken Law and Charge me {$25.00} late fee same day my payment was due, plus interest, but my SCORE Pludjer down hill.Maybe this is wrong place to make complaint maybe XXXX or I am on Trump XXXX people here Not doing their Job watching out for Tax payers! Why is it everyone as Business can Break the Law and XXXX does Nothing, No-Fine, No-nothing if i Broken Law i had to pay fees ...
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE XXXX Account Name : SEC XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE XXXX Account Name : XXXX XXXXXXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX # XXXX - DATE XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE XXXX Account Name XXXX XXXXXXXX XXXX # XXXX - DATE XXXX Account Name : XXXXXXXX XXXX  # XXXX - DATE XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

. I submitted dispute letters to Equifax, XXXX, and XXXX  notifying them of the accounts that did not belong to me on XXXX I have yet to receive a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). The disputed items are entirely inaccurate and represents a very serious error in reporting.
Product: Debt collection

In my review of my credit report CAPIO PARTNERS LLC is reporting a collection debt account number XXXX to the CRA. I have no knowledge of this collection debt and this negative account has affected my ability to obtain credit. It is a violation of FCRA for any COLLECTION AGENCY to report any collection debt account to any credit reporting agency without notifying the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an XXXX XXXX account that was left unpaid due to unemployment. 

I made arrangements with XXXX beginning with a payment schedule commencing XX/XX/2018. The full balance of {$4000.00} was paid in full. 

The account shows delinquent on ALL credit reporting bureaus such as XXXX, XXXX and Experian.
Product: Debt collection

I am being sued in civil court in XXXX XXXX Ohio by portfolio recovery associates. They basically are dragging their feet on providing me any kind of documentation that Ive requested including an affidavit of fraud. The judge in the case has been incredibly kind and generous as far as allowing me the time to pursue all avenues regarding this case however they are not going to allow this to go on forever. Portfolio recovery associates has not responded to my requests for validation of the debt or my requests that they investigate this as fraud. They wont cooperate in any attempts to prove this debt is invalid and fraudulent. They are using the court system to basically force me into paying them for a debt I do not owe by not cooperating in hopes I will give up and pay them.
Product: Credit reporting or other personal consumer reports

When I signed the Privacy Act form, the XXXX loans on my credit report are in violation of the XXXX Privacy Act. The XXXX XXXX Rights and Privacy Act ( XXXX ) is a XXXX law enacted in XXXX that protects the privacy of XXXX XXXX records. XXXX applies to any public or private XXXX, XXXX, or XXXX XXXX. 20 USC 1232g ( b ). The XXXX loans should not be reported on my credit reports by Equifax, XXXX, or XXXX. They should be removed asap as this has hindered me from getting countless approvals for credit cards. 

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the XXXX that each XXXX institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a XXXX institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the XXXX institution and the XXXX XXXX agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, ( Furnisher of information to credit agencies ), whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A XXXX institution may not disclose nonpublic personal information to a nonaffiliated XXXX  party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX  of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 XXXX XXXX XXXX which antedates the report by more than XXXX years. ''
Product: Debt collection

This company is reporting negative information on my consumer report causing distress in my life. The company needs to properly send me information to verify the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX, XXXXXXXX XXXX Account XXXX, XXXX XXXX XXXX  XXXX Account XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Accounts # 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 have received several letters from SCA Collections. Each time I have responded with a written letter informing them that I do not owe the debt. I have included with each correspondence a copy of my billing statement from XXXX XXXX of XXXX XXXX showing a XXXX balance. I logged into the XXXX XXXX  website this morning and verified once again that I do not owe them any money. My insurance has paid their portion and I have paid my portions. I am mailing my 4th letter to them today asking them to stop contacting.
Product: Checking or savings account

I have multiple business and personal accounts with Bank of America and have for XXXX years. On XX/XX/2021, I was told that XXXX of my vendor 's checks were returned for XXXX of my businesses ( XXXX XXXX XXXX, XXXX ). I immediately logged into my online account and discovered all of my business 's funds had been removed. I called BofA and they said they could not give me information about what had happened over the phone so I would need to go to a branch. I went to a branch and was told they could not give me any information and that I would receive a letter in the mail from BofA but they said it might be an IRS levy. I then called the IRS who said they did not levy my account. I then discovered that a former partner in the business ( who was a partner at the time ) had his attorney send a letter to BofA requesting the account be frozen. This was discovered by my attorney contacting my former partner 's attorney and not through Bank of America. Bank of America never provided a copy of the letter or even acknowledged that was why they froze my account. 

After some back and forth, the former partner and I executed legal documents for him to exit the business leaving me as the sole owner of the business on XX/XX/XXXX. This has been communicated to BofA by my former partner 's attorney, my business 's attorney, my former partner, and myself on multiple occasions. BofA keeps giving me and my attorney the run around and changing what they want to unfreeze the account. I have provided documents to them on multiple occasions via email and via having a branch employee fax their legal department the documents. I have provided everything they need and more and they have not requested any other documents. They have the separation agreement and the amendment to the company agreement showing the former partner exiting the business and leaving me as the sole owner and manager of the business. Despite this, they have asked for the former partner to be added to the account as a signer which is completely improper and I believe illegal as he has no legal rights to the business or the business 's assets. I have asked to speak with someone at BofA that has the authority to unfreeze my account on multiple occasions but have been told each time that the bank can not give out that information and they would pass on my request for someone to contact me. Despite these multiple requests, I have not been contacted by anyone with any authority to handle this matter or provide information about how to resolve it. It has now been XXXX months and my account is still frozen. I have also contacted the XXXX XXXX XXXX to file a police report for what I believe at this point to be the theft by Bank of America. I would appreciate any help you can give in resolving this issue and Bank of America 's shameful actions and continued refusal to unfreeze my account or provide any means to get this accomplished.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Consumer ID : XXXX SSN : XXXX ID type : Drivers License from MA ID # : XXXX Address : XXXX XXXX XXXX, XXXX XXXX  XXXX MA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX I am requesting to conduct an investigation on the following information that is reported on my Consumer Report, I have NEVER used or opened the following account Bank : XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Incident Date : XX/XX/XXXX I dont recognize this account in question and am a victim of identity theft. I am requesting that this information be deleted from my Early Warnings Report immediately! Ive attached a copy of the report to this request. 

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

BY LAW EQUIFAX MUST INVESTIGATE AND PROVIDE DOCUMENTS SIGNED BY ME. EQUIFAX HAS FAILED TO PROVIDE SUCH PROOF. EQUIFAX SENT A GENERIC COMPUTER MESSAGE STATING INQUIRIES ARE FACTUAL AND STAY IN YOUR CREDIT REPORT, NOT INVESTIGATING, THEREFORE BREAKING THE FCRA LAWS. 


XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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

LVNV FUNDING LLC / XXXX this debt was settled and paid - yet it is showing as a collection account - active - on various credit reporting agencies. Company has been notified more than 6times.