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

I have been unable to access the funds in my Citibank account for several months. When I contacted Citibanks customer service, I was informed that I needed to visit a physical branch to resolve the issue. However, the nearest branch is several states away, making this option unfeasible for me. 

As an alternative, I was instructed to mail a letter to Citibanks address in XXXX XXXX, TX. I sent a detailed letter requesting my account to be closed and for the remaining funds to be mailed to me via check. When I did not receive a response, I sent a second letter. Upon following up with Citibank, I was told that neither of my letters had been received. 

In the meantime, Citibank has continued to deduct {$15.00} in monthly fees from my account balance, as indicated on the statements still being sent to my home. I find this unacceptable, as I have not been able to access my funds or resolve this issue despite repeated efforts. 

I am requesting immediate assistance in closing my Citibank account and having the remaining balance sent to me via check. I also want the monthly fees deducted during this period of inaccessibility to be refunded.
Product: Debt collection

CRA VIOLATION NO KNOWLEDGE INACCURATE AUTO LOAN AND MORTGAGE LOAN APPEARED ON MY EXPERIAN CREDIT REPORT.
Product: Debt collection

I received notification that XXXX appeared on my XXXX credit report. I was never notified of this debt and have no knowledge of it
Product: Debt collection

Company is unlawfully attempting to extend the time limit on this account by reporting inaccurate information by falsifying when this account initially became delinquent. I have sent certified letters requesting validation which they have failed to respond to, but have illegally responded to the credit bureaus by verifying this debt as valid when the disputes have approached your office. I called your office on XXXX XXXX, 2016 and spoke to a man named XXXX. When I asked him to verify when this account was opened or became delinquent, he stated that he has no record as to when this account was opened or became delinquent and that they place random dates on credit profiles.
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$1100.00}. 

Company or Organization : XXXX XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$580.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I see a recent derogatory remark listed on my consumer credit report as a XXXX XXXX  bankruptcy from XXXX. I have confirmed with the court that they do not verify or report bankruptcies to the credit bureaus and I am requesting full and authentic verification of this remark. 
Please verify that this public record is being reported completely and accurately. 
Please verify that that complete and full court name is reporting this. 
Please verify that the full, complete, and accurate docket identifier, bankruptcy type, account ownership type, attorney name, disposition type, disposition date, file date, paid date, and settle date. 

If you are unable to verify any of the requested information requested from the court and unable to provide proof of this verification, I request that you remove this bankruptcy immediately. All dates should be reported fully and accurately to maintain the integrity of my consumer credit reports. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2024 I received the following voice mail from XXXX XXXX on my business line. 
I have no knowledge of her or the company and have never received a letter from them. I initially called a local law firm with the same name and they stated they do not have an employee by that name. I researched the number and found them to be a debt collection company called Norman and Associates, collections services not the local XXXX Firm of Norman and Associates as she stated. She also never stated she was a debt collector collecting on a debt and any information obtained will be used for that purpose. I believe this type of voice-mail she left is a violation of the FDCPA regualtions. 

Some of the verbiage does not make sense either. It sounds as if she is trying to impersonate an attorney. I have the voice-mail saved. 

I'm calling for XXXX XXXX. My name is XXXX XXXX with the firm Norman and Associates. I'm contacting you because we had sent you out a letter last may and you have never been responsive to any of the letters have been sent. I'm issuing out a finalized letter to you. Let you know what your status is and when my client stands as we are discussing anticipating the next steps that are needed to take in order to resolve this matter with you about your input typically just basically involuntarily we have to get this matter closed and get it resolved and if you're not going to be responsive. We can't continue to hold it for you. This is my call again, my name is XXXX XXXX. My number is XXXX thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX AND XXXX  account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously notified Equifax that I am a victim of identity theft
Product: Payday loan, title loan, or personal loan

XXXX/XXXX/XXXX I was advised to come to XXXX XXXX XXXX, XXXX, TX XXXX to exchange laptop computer with damages under warranty. Manager advised to pick out new computer, he assigned salesman to execute warranty agreement. Salesman did not explain that new warranty included cost nor did he discuss terms of new installment agreement I was asked to sign, nor did he give me a copy of paperwork. I was under impression paperwork was simply for exchange and had no idea cost was involved. 

XXXX/XXXX/XXXX received late notice from Conn 's in regard to new acct for XXXX per month on XXXX warranty acct. I had no idea what this acct was for, contacted Conn 's and after hours on phone was able to reach XXXX XXXX in customer service XXXX/XXXX/XXXX. She removed 1/30 days late on acct and offered to refund all payments and close acct. 
I asked her to add my phone number to acct. so that I would receive notices when payments were due.XX/XX/XXXX Salesman asked if I wanted new acct with XXXX XXXX, I advised no and do not pull my credit. He inquired on my credit and opened acct against my express wishes. I discovered this acct in reviewing my credit report from XXXX and advised XXXX XXXX with Conn 's about acct opened without my permission on XXXX/XXXX/XXXX. 

XXXX/XXXX/XXXX contacted Conn 's and learned that warranty acct was over 30 days late. I had received no notices from Conn 's as requested XXXX/XXXX/XXXX. Made arrangements for extension and paid on XXXX/XXXX/XXXX, was advised by Conn 's no late would be reported to credit bureaus I was protected as a victim of Hurricane Harvey. 

XXXX/XXXX/XXXX received notice from XXXX that 30 day late was reported to bureaus on acct # XXXX by Conn 's. I called and emailed XXXX XXXX, Conn 's Customer Service several times requesting 30 day late be removed as agreed in arrangement XXXX/XXXX/XXXX. I also included Service Agreement Cancellation Request to cancel warranty and refund all payments AFTER XXXX removed. I also advised that XXXX XXXX acct was closed by me and that it was opened against my wishes. Requested inquiry be removed from all credit repositories,. 

To date have received no response to phone calls or emails to XXXX XXXX in regard to Service Agreement Cancellation Request, 30 day late removal from acct # XXXX or removal of inquiry XXXX/XXXX/XXXX opening XXXX XXXX XXXX acct. I have spent many hours on phone with Conn 's trying  to get these issues resolved, to no avail. 

Would very much appreciate your assistance in resolving these issues which have dramatically effected my credit rating.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX Account # XXXX In accordance with the Fair reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 usc 1681 15 U.S.C. 1681 section 602 A states i have the rights to privacyUnder section 604 ( a ) ( 3 ), a consumer reporting company may provide a consumer report when it has reason to believe that the user requesting the report has one of the permissible purposes specified therein with respect to the consumer who is the subject of the user 's request.Jul 12, 2022 15 U.S.C. 1681 section 604. It also states a consumer agency can not furnish a account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) & 15 U.S.C 1681 -2 ( A ) ( I ) A A Person shall not furnish any information relating to a 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 sending this complaint to formally request the prompt removal of inaccurate information from my credit report. Upon review, I have discovered several instances of fraudulent data that I have no association with. This discovery is deeply concerning, and I insist on immediate action to rectify this matter. 

The following inaccuracies must be addressed and expunged from my credit report without delay : XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX  XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX expect your immediate attention to this matter and demand swift corrective action. Failure to comply with this request will leave me with no choice but to pursue legal recourse. Your cooperation in resolving this issue promptly is greatly appreciated.
Product: Debt collection

This company contacted me stating I owed a debt that didn't exist. I contacted the original healthcare provider to confirm this. The healthcare provider sent all supporting documents showing I owe no debts. This company stated to provide all supporting documents in which I did. Now they are not responding to me when I ask for confirmation. I have sent XXXX emails asking for assistance. They only continue to send me letters in the mail and ignore what I have provided.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX Cashnet USA said I applied for a loan for {$500.00}. I never applied for this loan. The loan number of this XXXX. The due date for repayment was XXXX XXXX. I have been receiving ssi payments for XXXX for 41/2 years. You are not allowed to take out loans. They said I would have to make a police report. Call the XXXX XXXX XXXX XXXX XXXX. I had no results from that encounter. I do have the loan officer name who signed the loan agreement. XXXX XXXX. He signed it at XXXXXXXX XXXX on the XXXX XXXX. Vertices number. XXXX. The agent I spoke with said they deposited into an account at XXXX Bank. I have no such account. I had my bank XXXX XXXX send copies from XXXX to XXXX of XXXX and no such deposit for {$500.00} showed up.
Product: Consumer Loan

I had a car loan with Santander Consumer USA. After paying for many years we requested the company repossess the vehicle. This was XX/XX/XXXX. At a later date we received a XX/XX/XXXX XXXX adding {$5100.00} to our XX/XX/XXXX income due to the amount of the loan adjusted off. Last month I received a XX/XX/XXXX XXXX for the SAME LOAN adding an additional {$4400.00} to my XX/XX/XXXX income for the SAME REASON FOR THE SAME LOAN. I do n't think I should be charged twice for the same loan charge/write off!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting approximately one year ago I became aware that Experian Credit Bureau w as reporting on inquiries that I did not have a credit score. Twice I verbally was able to speak to representatives who assured me I had a good credit report and there should not be a problem. The problem continued and I submitted my complaint in writing during XX/XX/2019. I was sent a copy of my credit bureau report and told no problem existed. The report showed over ten satisfactory trade lines dating back 20 years. I have never missed a payment in my life. My XXXX  and XXXX  reports are both well over a 750 score. I recently applied for an auto loan and was denied due to no credit history on my Experian report. I have tried to make contact with them again, although I am unable to speak with anyone and their automated system does not allow me to submit a complaint on my issue. I believe my report is being blocked due to collection accounts for my son, who is a XXXX, which I fully disclosed in my XX/XX/2019 complaint. I was sent a clean report with no collection accounts when Experian responded. The other credit bureaus have no problem determining what is my information, but it appears Experian does. I can not get any information to see why my report is not being released. I have experience in banking / lending and feel confident they are holding my report. They have caused me financial damage of being denied and not being able to refinance my mortgage since a tri-merge report is used and no score reporting by Experian causes issues.
Product: Vehicle loan or lease

The Insurance company determined the vehicle was a total loss due to a drunk driver causing the accident. XXXX valued the vehicle at XXXX with was XXXX less than it was brand new a year and a half ago. All payments were made on time and all maintenance was done. The leasing company decided that it was their appreciation gained in the car therefore they are entitled to 100 % of the insurance payout. Throughout the lease I would get the month to month payout and I would know the end of lease buyout so I figured the the equity in the vehicle that I paid already over the year and a half I was due at least half of that. I assumed all the risk, payments and maintenance of the vehicle but due to circumstances beyond my control ( an at fault drunk driver hitting me ) I lost 100 % of the equity and XXXX downpayment and was now left with nothing because the lease company decided, denying me any ability to appeal that they are the lease holder and are entitled to 100 % of the value of the car.
Product: Mortgage

After purchasing a home with a VA loan my wife and I have received what can only be described as a harassing number of refinance letters from ClearPath Lending. We have never had any business dealing with ClearPath Lending and do not desire to. My wife and I both completed the opt out process at XXXX, as provided by the Fair Credit Reporting Act, on XXXX XX/XX/2021. CleapPath Lending has ignored our opt out and continued sending refinance letters. After giving adequate time for any letters already in the mail to be delivered we directly contacted them on XXXX XX/XX/2021. They agreed to stop sending letters. However my wife and I have continued to receive letters from ClearPath Lending, with the latest received today ( XXXX XX/XX/2021 ).
Product: Student loan

In summer 2018 I attempted to go into forbearance on my loans because I was moving 500 miles away to get a better job and make a career move post-XXXX school. I knew that moving would be expensive. 

Navient rejected my request on account that I had already used my allotted forbearance period and that I must begin paying my debts in full. I was financially unable to do so as I spent my savings making the move to a new place. 

I was extremely overwhelmed because Sallie Mae was also calling me about their private loans and repaying them. Neither company provided me an option of a reduced payment plan or anything to assist me in maintaining my credit score. After a few months, Navient struck my credit score for each and every individual loan ( 11 ), which accounted for over 30 missed payments per my credit score. 

I reached out to Navient again and finally was offered the IDR. I gladly accepted and enrolled in auto-pay to ensure no further complications although I am still recovering from the many missed payments. That said, my loan is increasing exponentially to the point that I can not keep up. Every time I look, my loan amount increases despite my payments. 

I faxed Navient a request to remove the missed payments on my credit score but was not responded to. This instance has caused me to struggle through vehicle payments and obtaining a mortgage.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Product: Credit reporting, credit repair services, 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 
1 : XXXX XXXX account # XXXX 2 : XXXX XXXX XXXX XXXX  XXXX ) account # XXXX 3 : XXXX XXXX  account # XXXX 4 : XXXX XXXX account # XXXX 5 : XXXX XXXX XXXX account # XXXX 6 : XXXX XXXX account # XXXX 7 : US BKPT CT NJ XXXX ref # XXXX 8 : XXXX XXXX account # XXXX 9 : XXXX XXXX account # XXXX 10 : XXXX account # XXXX 11 : The XXXX XXXX XXXX account # XXXX 12 : XXXX XXXXXXXX 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 an account without my written instructions.
Product: Bank account or service

Starting on XXXX XXXX, Circle Gold Checking Accounts at Citizens Bank no longer allowed 6 foreign ATM transaction fees per month. The only way that I found out about the change was that the fees showed up in the online banking system. I complained to them about the change without notice and they pointed me to the memo section of the XXXX 2016 statement which is only visible if you know to go looking for it. It was not on any other statement or sent as a message in the online banking system, so there was no way to assure that people were aware of this change which would impact them, I consider it a bait and switch. With the push for paperless statements, which you have to pay otherwise, a dedicated message should be sent to people through the online system in the months leading up to a change that will cost the account holder money.
Product: Mortgage

At application I was told I qualified for a {$5000.00} home dream credit. At conversion I was told that I still qualify. After the commitment was issued and underwriting reviewed my income the loan officer called to congratulate and tell me Im getting {$3900.00} of the {$5000.00} credit. A week later a supervisor called to say the underwriter messed up and I didnt qualify. My cash to close increased by almost {$700.00} an hour before closing with no communication by my mortgage team. As of yesterday XX/XX/17 a rep from XXXX advised on a monitored line that WF is not required to give any credit even if its verbally disclosed on the monitored recorded line. Despite the Underwriting teams mess up of income calculation and XXXX XXXX calling me to confirm Im eligible for the {$3900.00} credit. They only legally required to provide credits if disclosed on the CD. How is that fair? Is this even legal? This was a complete bait and switch and the rug was pulled out underneath me. I was counting on the credit. Same day I closed on my house I had to put my XXXX year old dog down. ( {$1000.00} vet Bill same day ) My reserves were completely drained with the loss of the credit I was promised by the loan officer on the monitored and recorded line. I feel the loan officer and Wells Fargo have violated fair laws. I believe because it was disclosed and even verbally it should still be honored
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I bought a car at XXXX and 9 inquires were made to different creditors for approval. I told the financial person at the dealership not to try more than about three attempts to finance the car as it would hurt my credit and that I already had one pre-approval. I didnt find out how many hard inquires from her attempt to get me the best deal from other creditors were on my Transunion report until I checked about a month later and found 9 total hard inquires concerning my car purchase. I contacted Transunion about the matter about three weeks ago and they just sent me a short letter to me that didnt help. I waited from XXXX to now XX/XX/2022 to address this situation with transunion because of more personal matters to attend to first. So I am asking transunion to remove some of those hard inquires as I believe it is not fair to the consumer when purchasing any financial product especially a big ticket item such as a house or automobile. Hard inquires to me should not be on a credit report for 2 years, I believe it should be no longer by law than 6 months.
Product: Credit card or prepaid card

REAL TIME SITUATION HERE REQUIRES AN IMMEDIATE RESPONSE : SIMPLY! 
THIS CONSUMER OF BANK OF AMERICA SINCE XXXX DESERVES AN HONEST EXPLANATION : TODAY IS XX/XX/XXXX. 
PAYMENT ISN'T DUE UNTIL XX/XX/XXXX. 
WHY HAS BANK OF AMERICA PREMATURELY ADDED {$13.00} TO MY CURRENT BALANCE WHEN THE CYCLE DOESN'T END UNTIL XX/XX/XXXX??? 
HERE IS THE MATH : STATEMENT BALANCE XXXX CURRENT BALANCE XXXX MADE PAYMENT OF XXXX ON XX/XX/XXXX, XXXX 
BALANCE NOW SHOULD BE XXXX, AND NOT XXXX. 
XXXX HAS BEEN ADDED BEFORE THE CYCLE CLOSED : I INTEND TO MAKE ANOTHER PAYMENT BY THE CLOSING DATE, SO PLEASE EXPLAIN THE XXXX.!!!!