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

On XXXX, I opened a Citibank account specifically to receive federal student loan funds from XXXX XXXX XXXX XXXX XXXX XXXX deposits were made : on XXXX, XXXX, and XXXX, totaling approximately {$10000.00}. These funds were designated for essential educational expenses, including tuition, books, and living costs for the current semester. 

On XXXX, Citibank unexpectedly froze my account, citing an inability to verify the source of the deposits and classifying them as potentially fraudulent. In response, I promptly submitted all requested documentation, including proof of a legal name change, government-issued identification, my current lease, and a letter from my University confirming XXXX legitimacy of the federal student loan deposits. I contacted Citibanks XXXX XXXX XXXX by phone and email, requesting a case number and immediate assistance to resolve the matter. 

Despite complying fully with Citibanks requests and verifying the legitimacy of the funds, the bank informed me that the account could remain frozen for up to 60 days. This prolonged freeze has caused significant financial and emotional hardship, as these funds are critical for my current semester expenses. Citibanks refusal to release the funds is obstructing my ability to pay for tuition and other necessary expenses, forcing me to consider taking on additional debt. 

I am requesting that Citibank release the funds immediately to prevent further financial harm and disruption to my education.
Product: Debt collection

I received a debt letter from Spring Oaks Capital dated XXXX XXXX and i responded back with a debt validation letter dated XX/XX/2021 and as of today i have only received credit card statements from creditor and its not what i asked for. They have proceeded to report this debt on XX/XX/2021 to XXXX only of which i was unaware of this debt.
Product: Debt collection

I am enrolled in a debt settlement company, who has sent the company ( XXXX XXXX ) a durable power of attorney to settle my debt. I have answered two phone calls from the company trying to collect the debt and have told them to stop contacting me and contact my durable power of attorney holders to settle my debt. They continue to call 4 times a day, every day, and they have now contacted my family members despite requests to stop. This is an invasion of privacy and against the law to continue to do so.
Product: Debt collection

In XXXX of XXXX, I received the first phone call from FirstCredit Services, a debt collection agency based out of XXXX NJ. They informed me that my previous XXXX, XXXX XXXX in XXXX NJ, had sent my account to them for an unpaid balance. I asked if they could send me the documentation, as I had left the gym 4 months prior and had settled the account when I did. 

They never sent me any documentation, but continued calling me. I have received calls as early as XXXXXXXX XXXX EST, to as late as XXXXXXXX XXXX EST. I received, on average, 18 calls a week from FirstCredit Services.

I told them multiple times to stop calling me so early and so late, but they did not stop. They kept saying they would send me the documentation from XXXX XXXX, but they did not. I then sent them a formal letter asking for documentation in XXXX of XXXX. They did not respond for 2.5 months. Of course, if they dont respond within 30 days my understanding was that they would have to remove the collections. But they did not. 

When I told them I wanted them to fully stop contacting me in XXXX of XXXX, they finally sent me a letter. While the letter was addressed to me, it was a debt collection for someone named XXXX XXXX in XXXX NJ. The enclosed documents explained how she moved to XXXX from XXXX, and thats why she was trying to cancel her gym membership and declined to pay. 

To this day, I have never received any information from FirstCredit Services regarding their alleged debt to XXXX XXXX. In the most recent phone call on XX/XX/XXXX, they informed me if I did not pay the debt they threatened to submit a request to decrease your credit score. I am not sure if that possible, but I once again told them to stop calling me.

A common theme with FirstCredit Services I have seen is that they are violating the Fair Debt Collection Practices Act by : ( 1 ) calling before XXXX and after XXXX ( 2 ) sending me other peoples private debt collections ( 3 ) calling me 18 times a week ( 4 ) not sending me documentation after being formally requested to do so ( 5 ) not removing the collections within 30 days of not sending me the requested documentation ( 6 ) continuing to contact me after being requested not to I ask that the debt be removed from my account. Please let me know if there is another way in which I can report this agency for their behavior.
Product: Mortgage

I have purchased my condo in XXXX XXXX, FL through XXXX XXXX XXXX on XX/XX/XXXX without an Escrow, as I wanted to pay my property taxes myself. 
After a month, I have learned that my mortgage was sold to Suntrust bank. 
A few months into my payments in XX/XX/XXXX, Suntrust has placed Escrow on my mortgage and told me that I was obligated to have escrow since I live in a flood zone. I have contacted them multiple times in XXXX and XX/XX/XXXX, but haven't been able to get a proper answer on why this won't be removed since it wasn't in my original escrow agreement with XXXX XXXXXXXX XXXX in the first place, other than hearing that this is their policy. 
This has increased my mortgage payments unnecessarily and is creating extra hardship by increasing my monthly payments, as I had made my plans for paying my taxes separately.
Product: Credit reporting or other personal consumer reports

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy. 
15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX   Account Number : XXXX Please remove it from my credit report 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX XXXX Account number XXXX  Please remove it from my credit report 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  XXXX Inquiry date XX/XX/XXXXXXXX  Please remove it from my credit report 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  XXXX Inquiry  dateXXXX XXXX, XXXX  Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been a delinquent XXXX Account on my credit reports for many years. 

I am told that on XX/XX/2015 someone opened a XXXX account using my social security number and a variation on my name -- XXXX XXXX. 
When I dispute this item with the Credit Reporting Agencies their investigations come back with the same answer each time, that it is my debt. 

When I call the reporting agencies they say they can not discuss the debt with me because it is not in my name. I called XXXX XXXX XXXX  ( XXXX ) the agency currently listed as owning the debt and they referred me to another agency, XXXX ( XXXX ). The representatives at XXXX repeatedly hung up on me saying they could not discuss the delinquent account because it is not in my name. 

This is adversely affecting my credit score and my ability to open new accounts without having to put down a hefty deposit. 

I have never used the name XXXX XXXX. No one in my family has a last name of XXXX and have never used XXXX has a cellular provider. What do I need to do to have this removed from my Credit Reports.
Product: Debt collection

In XX/XX/XXXX, I got a credit card from XXXX XXXX XXXX, now XXXX XXXX. I used the credit card up to the limit of {$1500.00} and had trouble making the required payments. In XX/XX/XXXX I was requested to go to the bank and make a payment of {$630.00}. I understood this to be a reduced amount that if it were payed, the balance of the debt would be forgiven and the card closed out. I went to the bank and made that payment of {$630.00}. In XX/XX/XXXX, I got a summons to appear in court and was required to make additional payments of {$100.00} per month to pay down the outstanding debt. 

I thought the debt was paid already. So during the time frame of XX/XX/XXXX-XX/XX/XXXX,  through a combination of payments and garnishment of my income tax returns, {$3600.00} was paid. 

Added to the prior payment made at the bank, I have paid {$4200.00} total against the original credit card debt of {$1500.00}. 

Given that I CAN NOT pay you any more, you are just adding to my stress level. Currently I am social security XXXX, diagnosed with XXXX XXXX, seeing a XXXX twice monthly. I am also supporting another person on my SS. I am XXXX, XXXX and will likely not work again. I barely have enough money to make it month to month. I am asking in fairness, that after paying {$4200.00} total, against a debt of {$1500.00} that any balance remaining be forgiven.
Product: Credit card or prepaid card

There is a feature on the Capital One credit card that allows you to do virtual card purchases. Everyone has it even my husband. I have been using this feature for longerthan 4 years.I got on today to purchase my college transcripts andthe button was removed from my account. I called Capital One to find out what was going on and was told that the button was removed from my account because they were concerned about security and a bunch of other excuses. When I asked them why my account wasn't Frozen advising them i work in XXXX and also know aboutXXXX for my account and if they were concerned about security they started to back pedal and say it wasn't a security concern that they just had removed it from my account. 
I feel like I am being discriminated against since everyone else has the ability to use this. My husband still has this feature on his account so this is not some kind of privacy I was blatantly told this button was perfectly removed from my account and they will not give me an answer as to when I am going to get it back. They just tell me to check back from time to time. The other problem becomes that when I regenerate my virtual card numbers it ends the card before that. I can not end the card that I opened yesterday because they took away my ability to do that. I've talked to two senior-level people in this company and I advise the last one that I think that this is discrimination since everybody else has this ability but they have taken it away from me. It is not fair I have had a long and good standing account this Bank I currently hold over {$5000.00} and have never had a negative account.They advertise tremendously on their website and all over on my credit card page about this virtual card ability to be able to get a virtual card whenever I need it for the protection of my account and now they are doing things like this to people?
Product: Credit reporting or other personal consumer reports

I scheduled a lift effective XX/XX/2023. I have been denied opening a bank account on three consecutive days after the one hour allotted per the FCRA. ChexSystems refused to do anything further, even after being informed that I have read other consumers having this problem with ChexSystems when they have a frozen XXXX XXXX account and that I would file a complaint with CFPB and FTC if they did not fix the issue. 

I received multiple email from the bank stating : Were unable to approve your application. 


Theres a freeze on your consumer report or credit record that is preventing us from opening your account. 

We encourage you to reach out to ChexSystems, because you have a right to a copy of your consumer report in the next 60 days. While ChexSystems may not have information on your account approval status, you can work with them to understand how to remove the freeze, and then apply again. Once the freeze has been lifted, wait 24 hours before reapplying. 

Contact info : ChexSystems Attn : Security Freeze Department XXXX XXXX XXXX XXXX, MN XXXX Phone : XXXX If you have questions, please give us a call at XXXX, Monday-Friday XXXX XXXX XXXX ET. 

Please retain a copy of this message for your records. 

Thank you for your interest in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXX, XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX XXXX Inquiry : XXXX XXXX XXXX  Experian Addresses : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Employers : XXXX XXXX XXXX XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Addresses XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; Bankruptcy XXXXr XXXX Bankruptcy Liability : {$0.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I called XXXX XXXX concerning my credit card. I had made a payment to my credit card. They have reported inaccurate information on my card that has cause my credit scored to go down by 30 points. I make a payment and then the XXXX XXXX puts the interest fees on the card after I make the payment. It makes the card seem as if I have not made a payment. My card is now over the limit because of the high interest fees. I have discussed these high interest fees with XXXX XXXX and they told me since I missed a payment that they would not be able to lower my fees. I expressed to them that I have a long standing account with them and that I should be able to have my interest fees lowered on my card. The interest fees makes the card hard to pay off! 

XXXX XXXX states that I have a XXXX % on time payment rate but they still will not be able to lower my interest fees. I think this is unfair! My credit is suffering because of this! I have tried to resolve the issue with XXXX XXXX but they are unfair when it comes to this concern. I have looked up XXXX XXXX 's reviews and their are other customers that are going through the same concerns that I am. I need relief from this situation!!
Product: Student loan

I have been with Sallie Mae since XX/XX/XXXX when I first started college. I have around {$83000.00} of private student loan debt with them due to them raising the interest rates for all of my individual loans which they do not consolidate every month. When I graduated college XX/XX/XXXX Sallie Mae wanted me to pay {$1100.00} a month with a 9-9.75 % interest rate, which was XXXX my monthly income. When I told them I could n't afford that amount they told me there were absolutely no repayment programs I could enter into because they do n't offer any. I had to go into a forbearance period of 9 months in order to figure out how was going to afford these payments. It was n't until 8 months into forbearance ; and calling every week trying to find an affordable solution, that someone in the call center told me that I could apply for a term rate reduction plan. Now all my loans are at 2 % interest rate but I have to reapply and be reevaluated in two years. When I asked what that meant Sallie Mae told me that in two years they would see if they can raise my interest rate back up to 9 % depending on my income earnings. Their program will keep me in the same financial hole I am in now trying to just make minimum payments. 

Now that I have been enrolled in the term rate reduction plan, the only way I can be kicked out of the program is if I fail to make all my monthly payments but every month ( for reasons the customer service team fail to explain ) my automatic debit has been canceled on some of my loans. Which causes me a huge amount of XXXX because every monthly due date ( the XXXX of each month ) I have to search through which of my loans payment was n't taken out of and call Sallie Mae trying to get them to fix it. Each time I am on the phone with them they either randomly hang up ; the call randomly dropped, or I am shuffled between XXXX-XXXX customer service personal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXXXXXX XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX continue to report I am delinquent on student loans from XXXX. The information reported is inaccurate. All student debt from XXXX to XXXX has been resolved more than 10 years ago. I have disputed the charges with Experian, XXXX, and XXXX ( as well as XXXX, XXXX XXXX, and XXXXXXXX XXXX. However, after a 30 day review period, I receive notification from the credit reporting agency stating, " Subscriber reports dispute resolved-consumer disagrees. '' The matter is then closed by the credit reporting agency. As I continue regularly to dispute the information reported, XXXX and XXXX XXXX ( and an assorted host of attorneys and/or collection agencies ) transfer or sell the bogus accounts amongst themselves. Then the new buyer of debt reports the same account with different dates and dollar amounts to each credit agency. Not only do I not owe the debt continuing to be reported, but the date of balance origination is from XXXX, that is TWELVE years ago. I guess I shouldn't have been shocked, but I was at how brazen and unethical the reporters are : they have fraudulently claimed my last payment toward each account was made on XX/XX/XXXX, which is an absolute lie. However, they are acutely aware if payment was made in XXXX for a XXXX file, the can continue to desegregate my credit file. I am prepared to upload credit reports with notations on information pertaining to my complaint today.
Product: Credit card

Capital One business credit card offers payments to vendors on their website through a partnership they have with XXXX. 

Capital one is the largest stakeholder and investor in XXXX. 

We've made some payments through this system. But the vendors never received the payments. Now we are trying to get refunds for the payments and the processing fee, but they will not refund us. 

I even got an email from XXXX stating that if we released the dispute, they will release our funds... It's doesn't even seem legal? 

Every time I call capital one, they tell me to call XXXX even though the service is offered through capital one, And capital one is the largest stakeholder and investor in XXXX. 

I don't see how they can keep the processing fee of a transaction That was never completed... And I don't see how they can offer us to give us the money back if we cancel the disputes??
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/18 Equifax denied me online access to dispute results & overall access to file future disputes because of company 's inability to accurately manage my consumer data