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

I have had a long banking relationaship with Citibank that includes a Checking, Savings and several credit card accounts. 

When I applied for a Citi Wealth Management I discovered that Citibank has my citizenship information recorded incorrectly. I am a XXXX XXXX who is a Permanent resident. Although Citibank has copies of my passport, they have me recorded as a XXXX XXXX. Citi Wealth asked me to contact the banking arm of Citibank to have this corrected in their records since they use the same identification database. 

On XX/XX/2023 I contacted the Citibank customer service line to request this correction be made. However, I was told by a CSR, and then by a supervisor, that they are unable to make such a change. Particularly : 1 ) I had to wade through a multitude of prompts and holds since none of the options on their phone menus were about updating or correcting account information. After about 10 minutes of holds and transfers I got connected with a CSR.

2 ) The CSR could not understand the difference between a resident and a citizen. After consulting his manager, he wanted to send me a W8 from to fill out. I pointed out that W8 is for non-residents, and that for US persons a W9 is used. He offered to send me a W9. I pointed out that they already have a W9. He confirmed. However, he was still unable ( or unwilling ) to make the correction. I asked to speak with a supervisor. 

3 ) A supervisor ( name given was XXXX, ID # XXXX ) came on the line and after I explained the situation he informed me that what I am asking is " not possible '' and that I would need to take my " XXXX '' passport to a branch. After explaining to him again that I am a XXXX XXXX who is a permanent resident of the XXXX, he claimed that my status as a " XXXX  '' in their system is correct and that there is nothing they can do about it. He claimed that making a change would amount to " lying ''. 
After about 5 minutes of arguing, I asked to be transferred to another perosn. He said his manager " XXXX '' is busy and will give me a call back soon. When I asked about how to report a feedback or lodge a complaint of this customer service experience, he said I need to write a letter. have it signed and notarized, then send it via registered mail to Citibank. Clearly making it onerous for me to report my dissatisfaction. After hanging up, I waited for 24 hours but never received a call back from " XXXX ''. 

The issue is still unresolved. Citibank is basically violating IRS rules by maintaining false data and refusing to correct the information in their system and their employees have no training to understand or apply these rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

I explained to you before that this information on this identity theft report did not belong to me. I am asking that you delete this information.
Product: Credit reporting or other personal consumer reports

XXXX Experian XXXX is breaking the consumer law pertaining to XXXX XXXX Account # XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this is resolved I will have no choice to move forward with litigation.
Product: Debt or credit management

None of my debt was paid off I called & asked where did our XXXX cash go the representative said she would send me a ledger of all that was paid towards my debt & no where on there states who got what nor how much but they kept going in to my account without authorization I had to pay my bank to stop them from going into my account I am furious because where did my funds go if not on my debt me & my husband was greatly deceived by this freedom dent relief company
Product: Mortgage

I sent my mortgage company PNC Bank a check on XX/XX/XXXX for the amount of {$1600.00} via my bank bill pay system. On XX/XX/XXXX I received a letter that my XX/XX/XXXX payment was overdue. I called PNC and they recommended that I pay online and cancel the original check since they have never received it. I declined that option and contacted my back first. 

Upon contacting my bank they told me that the check was sent on the XXXX, endorsed by PNC bank on XX/XX/XXXX and cleared on XX/XX/XXXX. I once again called PNC bank they they told me to fax a copy of the front and back of the check. I did. They then told me that until they find where the money has went, they can not credit my account. I called a few days later and they then told me to email the front and back of the check. On the phone they acknowledged that the endorsement on the check was PNC bank and my funds were sent and received but once again, they stated that until they determine where the money was deposited, they can not credit my account. 

I have attempted to call XXXX times today and have been put on hold and disconnected all XXXX times It is XXXX days since they deposited my check and still no funds have hit my mortgage account.
Product: Checking or savings account

I have been a customer of Capital One since they took over my ING Direct Savings Account ( Account No. XXXX opened in XXXX ), which was converted by Capital One into a 360 Savings account. I recently learned that back in XXXX, Capital One created a new product called 360 Performance Savings ; however, the only difference between the XXXX products is that the new 360 Performance Savings account pays a much higher APY. Capital One was intentional in excluding 360 Savings accountholders from this products marketing campaign. Due to their willful misconduct, I wasnt aware of this new product that would be much more beneficial to me. Such targeted marketing practices is heinous. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, this situation makes my skin crawl. I cant imagine that Capital Ones legal and compliance departments approved of this approach. Capital One has cheated me out of what I estimate to be thousands of dollars based on the fact that during the timeframe of XXXXtoday, Ive consistently held XXXX XXXXXXXX {$100000.00} in the account. Capital One doesnt even offer the 360 Savings Account anymore, but they intentionally kept the product open for existing customers so that Capital One didnt have to pay out the higher interest rates, resulting in quite the windfall for Capital One. I called Capital One on XX/XX/XXXX to complain and to request a credit to my account in an amount equal to what I would have been earning had Capital One in good faith marketed this product to its current customers. Capital One refused to credit me. They also explained to me that there was in fact one other difference between the two products apparently the 360 Savings account comes with an ATM card, which was a surprise to me, because Capital One never provided me with an ATM card. I immediately opened a high yield savings account with another financial institution and will be closing my Capital One 360 Savings account as soon as the funds have been transferred. I refuse to be a customer of companies with fraudulent business practices and who knowingly and brazenly take advantage of their customers. However, I do expect to be reimbursed for the thousands of dollars that Capital One in effect stole from me. I am asking the OCC and the CFPB as Capital Ones primary and secondary regulator, respectively, to investigate these blatant violations of federal consumer compliance laws and to direct Capital One to credit me. Thank you for your time and I look forward to a swift resolution and credit in an amount equal to what I would have been earning with a 360 Performance Savings account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and a copy of my Ballot with my name and address for identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX  XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX .... 
Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$480.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute was filed with Transunion XXXX and XXXX ; but after the investigation only XXXX  removed the account from my credit file. Transunion and XXXX still have not removed this account from my credit file. This needs to be updated and removed as soon as possible.
Product: Debt collection

in XX/XX/XXXX i had a car accident after that i went to the XXXX XXXX Hospital which is located in XXXX pa to be checked. i had a vailed auto insurance. i have never been contacted about any bills or debt. in XX/XX/XXXX the posted the amount of XXXX on my credit report.
Product: Debt collection

My account was credit with a back payment with a false transaction the was already credited to my account
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed 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: Student loan

Hi I started working for the XXXX  XX/XX/XXXX. I decided to apply for Public Loan Service Forgiveness ( my previous employer also qualified ). I submitted the application in XXXX and it took months to get switched over to Fed Loan Servicing ( my previous servicer was XXXX XXXX ). I applied for an Income Driven Repayment plan on XX/XX/XXXX. I have attached the confirmation e-mail here. It originally said online I would hear something by XX/XX/XXXX which did not happen. I called at the beginning of XXXX and they said it takes a long time the first time. They allowed me to pay {$20.00} for the month of XXXX which I agreed because my payments would not count towards PSLF unless I am on an IDR plan. I logged on yesterday and it now says I am on a standard repayment plan and owe over {$2000.00} in XXXX. My IDR application still just said " received ''. I submitted a new application XX/XX/XXXX. However, now when I log in I can only see the new application and not the original. I can not afford to be on a standard repayment plan. I applied for IDR XX/XX/XXXX and when I called they could not explain what the delay was. These are also months where my payments could qualify towards my 120 payments but they will not qualify because Fed Loan Servicing will not process my IDR request
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for their continued failure to validate a debt they are reporting on my credit report, in violation of federal laws. 
Despite multiple written requests for validation of the alleged debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the agency has failed to provide any documentation proving the legitimacy or ownership of the debt.

Furthermore, Experian continues to report this unvalidated debt inaccurately on my credit report. This ongoing reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which mandates that information furnished to credit reporting agencies be accurate and substantiated. By reporting a debt that they have failed to validate, Experian is not complying with these legal obligations.
Product: Money transfer, virtual currency, or money service

Starting on the XX/XX/2019, I fell victim to a fraudulent Crypto Currency company named XXXX ( the Company ). Money was transferred from my account to the Company via wire transfer for a total amount of XXXX GBP utilizing Coinbase services.
Product: Debt collection

This company is attempting to collect XXXX from me in which is not a valid debt. I do not owe XXXX  XXXX any money. These charges are made up and fradulent. I have spoken with them several times to remove but the landlord had refused due to a personal hate he has for me. It is wrong and against the law.
Product: Debt collection

i asked from the collection company to provide me the contract they have for XXXX, with my right name and my SSN on the contract, they refused. 
when i asked from them to varified with me the information on the contract over the phone, the lady i spoke with her she insisted 3 times that my correct name on the contract with SSN. i asked from her to read for me the name on the contract, she read it wrong and when i asked form her to read my SNN on the contract, she said there is no SNN on the contract. 
so how they reported me based on the contract they claimed that belong to me if the name on that contract does not match my name and they have not even my SSN on the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX JPMorgan Chase Credit Card XXXX XXXX XXXX XXXX XXXX, MI XXXX RE : JPMCB CARD # XXXX To Whom It May Concern, I'm writing to you because I noticed that my most recent credit report-contains a late payment reported on XX/XX/XXXX for my JPMCB CARD account. 
I want you to ' know that I understand and have great respect for my financial obligations. 
Unfortunately, at the time of the incident mentioned above, I had a injury and missed the payment. A side from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 
In the near future, I am planning on applying for [ insert something like a mortgage/ auto loan/loan for my daughter 's wedding ], and it has come to my attention that the missed payment on my credit report could hurt my ability to qualify. 
In my heart, I know that the missed payment doesn't reflect my creditworthiness and commitment to re-paying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payment on XX/XX/XXXX from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! 
Thank you for your consideration. 
Have a blessed day! 
Best, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached files....Exquifax Credit Bureau is in violation of my consumers rights. They are reporting fraudulent public record to my consumer credit report. This is
clear violations of my consumer rights under FCRA! According to Section 604 US Code 15 US 1681b credit reporting agencies do not have the right
to to report anything to my credit report without my written consent. I have not provided Equifax with written consent to report this record to my
credit report. According to Sec 605A 15 US Code 1681 C-1 states that without consent identity theft. According to Section 605B 15 US Code 1681 C2 states that if a credit reporting agency is notified that something on my credit report results from identity theft they are obligated to block and
delete these items immediately. I have made Equifax aware of this identity theft and they have refused to do their duty to remove this item from my
credit report according to the laws stated above. Please remove this public record from my credit report.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  - XXXX - XX/XX/XXXX - {$1500.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1100.00}
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that Ive been a victim of identity theft and found numerous credit inquiries I have no knowledge of. Here are the inquiries Ive found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were conducted without my approval nor my consent, which is a violation of FCRA, 15 USC 1681b - Permissable Purposes of Consumer Reports. 

Ive attached my identity theft report and an invoice for fines per FCRA.
Product: Mortgage

Where do I even begin with this process, my new servicer Mr. Cooper just continues to give me the run around. I used to be with XXXX and I was waiting for my modification resolution before my loan got service transferred. Now I have been in limbo for months trying to find out why my lender isn't opening or finishing up this modification review. They were supposed to pick up where my last servicer left of. Every time my counselor XXXX XXXX tries to get an update they give him a different update. One week its under review and the next they said no modification is currently under process. I am afraid that I am going to get a foreclosure sale date because they have no idea what the XXXX is going on with my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted complaints through the cfpb website on XX/XX/30 to have them investigate the following accounts Members XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate.The payment History dates are inaccurate. The account balances are inaccurate. This ground for removal they also violated my rights under 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 XXXX also harassed my requiring me to send a paystub and drivers license picture because the stated my information I reported on my cfpb complaint was inaccurate which was false and documented on the cfpb website I also attached the letter I received from them
Product: Student loan

Navient has encouraged me quite often in the past to get " Forbearance '' and then " Consolidation '' when I had personal setbacks like divorce and paying for my children 's college loans and mine which I took to get relief. I inquired and completed forms for " Public Loan Forgiveness '' and Teacher Forgiveness '' to no avail. I have spent countless hours on the telephone with Sallie Mae and Navient employees. I have now retired and inquired again about forgiveness programs after 50 years of working in XXXX, specifically with XXXX XXXX XXXX XXXX, XXXX XXXX   children and adults and XXXX populations. I was told that I did not qualify for either program because I followed through with their advisement that I consolidate my loans with my children 's loans. I did not have a viable option at the time because my children 's colleges/universities did not allow students to apply for student loans. I have been put in a " no-win '' situation by both Sallie Mae and Navient with their forbearance schemes and false encouragement to consolidate and their determining my payment options without my consent. ( I am asking for forgiveness of this extremely large debt, although I have maintained these payments by " robbing Paul to pay Peter '' analogy. ) I have just received an increase notice which competes with my mortgage payments. In fifty years, my student loan debt has not shown any decrease due to their machinations, captialized interests, and poor advisement. Thank you.
Product: Credit reporting or other personal consumer reports

15 US Code 1605 " Definition of a FINANCE CHARGE '' XXXX XXXX  XXXX XXXX Truth in Lending Act Regulation Z 15 US Code 1662 Advising of down payment and installments 15 US Code 1635 Right of Rescission The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system My information was used without my consent which created accounts that im not aware of. Under 15 us 1681c-2 these items must be remoled.

Remaining Inquires According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. 
Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system