23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/XXXX I challenged a XXXX XXXX  account with XXXX, Equifax, XXXX, and with XXXX XXXX directly. This account is really old and should not be there anymore. It is months later now and I have not received any correspondence. So I decided to check my monitoring sites and the account doesn't even show that it's disputed. These companies have fully ignored my request to have this old account removed and it is simply unacceptable.
Product: Mortgage

they aren't paying my escrow taxes and I'm trying to refi no one does anything called 10 times
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, Tel ( XXXX ) XXXX ) has issued us a check for the amount of {$70000.00} on XX/XX/XXXX. We are long term Citibank customers and took the check to a Citibank branch located at XXXX XXXX XXXX XXXX, XXXX CA XXXX to deposit the check to our Citibank checking account.
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On Monday, XX/XX/XXXX we have inquired with the XXXX  Citibank branch about when the {$70000.00} will be available on our checking account. We went to the branch in person and spoke with the branch manager called XXXX XXXX. She told us that she cant make the funds available to us because the sender bank ( XXXX XXXX XXXX ) has not processed the check yet. We have contacted XXXX XXXX XXXX XXXX who issued the check, who verified with their bank that the {$70000.00} check was cleared on Friday, XX/XX/XXXX and the money was transferred to Citibank that same day. They even gave us the attached document as a proof.
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Over the course of XX/XX/XXXX and XX/XX/XXXX, we have contacted the Citibank branch manager XXXX XXXX several times, and also called Citibank customer service several times, asking them to release this check fund into our checking account, but every time our request was turned down, saying that they are following Citibank process, and the check has not yet been cleared by the issuing bank. Citibank customer service also told us, that the only person who has the right to overwright this process and release the funds to us sooner, is the Citibank branch manager XXXX XXXX, where we deposited the check.
Spoke with XXXX, Customer Service Supervisor ( ID XXXX ) Case number XXXX, spoke with another supervisor, Case number XXXX.
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We even went to the extend to explain to Citibank, that we are traveling to Texas on XX/XX/XXXX in the early morning where we will need to access {$15000.00} from our checking account, but unfortunately Citibank has no branches in Texas, which means that we will need to withdraw this money from our checking account a day before we travel, so on XX/XX/XXXX. We have even showed XXXX XXXX Citibank branch manager proof of our flight ticket, asking her to release at least {$15000.00} out of the total amount on hold, on XX/XX/XXXX, a day before we travel to Texas.
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But XXXX decided not to honor our reasonable request, and kept on lying to us that the reason why she ca n't help us is because XXXX XXXX XXXX has not yet cleared the check. Representatives of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have also called her several times, assuring her that the check has cleared on their end, but she was not willing to cooperate to release our funds for us.
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We feel that Citibanks action, and in particular XXXX XXXX branch managers action was totally unreasonable and we suspect it was racially motivated, so we are escalating this issue to the CFPB for an investigation. Citibank has no right to hold our money hostage and against our will, meanwhile constantly lying and deceiving us saying that they dont have the funds and they dont know where it is.
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Sincerely, XXXX XXXX and XXXX XXXX XXXX  Citibank customers
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts are still on my report AND violate the Fair Credit act. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXXXXXX, XXXX & XXXX : XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX : XXXX. XXXX XXXX XXXX : 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: Credit reporting or other personal consumer reports

1. Inquiry Date : XX/XX/2023 Creditor Name : XXXXXXXX XXXX XXXXXXXX Inquiry Type : Hard 2. Inquiry Date : XX/XX/2023 Creditor Name : XXXX  XXXX Inquiry Type : Hard 3. Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX Type : Hard 4. Inquiry Date : XXXX, XXXX  Creditor Name XXXX XXXX XXXX Inquiry Type : Hard 5. Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX Inquiry Type : Hard All these inquiries above were put on my credit report by a dealership I found out. I Personally never stepped into these dealerships and do not know the inquiries. 
I filed for identity theft because of these fraudulent inquiries. because they are fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. DPTEDXXXX XXXX {$820.00} US DEPTED XXXX {$820.00} USDEPTED XXXX {$820.00}
Product: Checking or savings account

Direct deposit of both my private employer payroll and my federal deposit were lost entirely this morning ( XX/XX/XXXX ) despite showing as scheduled transactions yesterday ( XX/XX/XXXX ). While I am aware of an alleged technical malfunction causing widespread deposit delays, this was only mentioned in XXXX commentary made by Navy Federal Credit Union. No formal statement was issued on any platform. The customer service number they tell you to call is not working. Any form of contact to verify the issues and find out a timeline for resolution are met with a blanket statement telling members to call the malfunctioning customer service number. Further inquiries are then ignored entirely. This is grossly unacceptable - especially when dealing with hundreds of thousands of federal employees financial livelihoods. Further, this is not the first such service and funds accessibility delay in the last 3 months. These issues need to be effectively and permanently resolved and NFCU needs to be transparent with their members about access to our money.
Product: Credit card or prepaid card

I have a Paypal account with promotional balances. I made the standard payment which the company allocates payment to their discretion. However, I made another payment to pay off the balance of {$180.00}. The credit card company refuses to post my extra payment to my request. I have called several times and each time I am told they will look into it. It is a month now and a new payment is due. I demand my additional payment be posted to where I request it.
Product: Mortgage

i gave a rep XXXX who told me i would be able to get XXXX of equity out of the house when i closed. i did not get the money and was told rental income was reported on my mortgage without any signed leases that i am aware with.
Product: Checking or savings account

Capital One Bank sent an email stating starting XX/XX/XXXX they began experiencing disruption impacting the processing of some deposits, payments and transfer, due to technical issue with XXXX of their service providers. The issue should be resolved by XXXX  XX/XX/XXXX. Today is XX/XX/XXXX and my direct deposit for my pay check has not been credited to by checking account. All calls to them go unanswered or you get hung up on. They are in breech of the agreement I have with them in terms of my pay check being direct deposited into my account on a timely basis This is going to cause over draft and late payment on my bills
Product: Debt collection

XX/XX/2022, Macy's/CBNA I've never signed up for an account from this company, I've even got in contact with the company, and they stated I do not have an account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$180000.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$530.00} XXXX  XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$37000.00}
Product: Student loan

XX/XX/19 - I have obtained a large amount of money from a Mortgage refinance to finally pay off my private student loan debt that is now {$100000.00}, with all of the interest & capitalization they have added. My Mortgage Company sent me eight ( 8 ) checks payable to Navient since they have all of my loans separated into ( 8 ) different account numbers which will pay my entire loan balance in full. 

I contacted Navient to access my account and obtain all of my account numbers to add to the check payments and get them right out in the morning mail. There are two ( 2 ) options now when you log into your account to get a payoff amount. Option # 1 - Online payment {$100000.00} or Option # 2 - US Mail {$100000.00}, which is significantly higher! In these two ( 2 ) options, Option # 2 has a circled letter ( I ) to  click on for an explanation which states that if you do not pay your loan off digitally, they will charge a penalty of another {$370.00} plus possibly more added interest for taking Option # 2 and paying your loan off by check using US Mail. This is absurd, they have already charged me interest after more interest and capitalization costs on top of that to make my college loans well over XXXX XXXX XXXX XXXX and this can not be legal. 

I am an XXXX XXXX XXXX to which I am very dedicated and I love my job. However, in this position you must work very hard and it is also a requirement to continue your education which I have just now completed at XXXX  years of age with two ( 2 ) additional XXXX Degree 's but unfortunately, I also have my additional Federal School debt that is now in excess of {$120000.00}. At this time, I can not imagine how long it will take me to ever get this loan paid off, but I will somehow. I believe that Navient has continually added fraudulent interest charges on all of my private student loans since the start of my education an I do not want to have to give them another cent over my huge {$100000.00}.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, XXXX XXXX on XXXX, requested to know if the XXXX I was selling was still available. I said yes and the conversation continued throughout the day about the condition of the machine, the price, and when her sister was going to pick it up on that Monday. She then asks if she can pay me through XXXX. I had only used XXXX once before for a small payment of under {$10.00}. This was {$180.00} I was asking for. She asked for my email and number and name and then it sent me an email saying XXXX XXXX has sent you {$500.00}. She then said that I would need to submit a XXXX XXXX for {$500.00} in order to upgrade my account to a XXXX User. I then received an email from who I thought was XXXX asking me to send the money, send it to the buyer agent, screenshot the amount and send it to the XXXX  email and my account would be credited {$500.00} and the {$180.00}. Then I would have to send the woman back {$500.00}. I didnt think this was sketchy because this woman had mutual friends on XXXX with me. Which Im obviously guessing she got hacked. But needless to say Ive tried requesting the money back and havent gotten it. Truist said I may or may not get the money back. This is a shame for a bank to not have better things in place for fraud and scam acts thru XXXX. Im now out {$500.00} and NEED that money because I just bought a house and that money was supposed to go towards a mortgage.
Product: Credit reporting or other personal consumer reports

I am writing regarding the recent data breach affecting all three major credit bureaus ( Equifax, Experian, and TransUnion ). It has been confirmed that my personal information was compromised in this breach. This letter serves as my formal demand for immediate remedial action as my rights have been violated under the Fair Credit Reporting Act ( FCRA ). 
CONFIRMATION OF AFFECTED STATUS I have received confirmation that my personal information was compromised in this breach. Reference number for this confirmation : FTC Report # XXXX
Product: Checking or savings account

Last year, a company called XXXX started auto debiting my account once a month for {$140.00}. I have complained about this four times to Truist. Each time a case was opened, I received full or partial repayment, and a new debit card was issued. Today I found a new auto debit from the same company and I was unable to get Truist Fraud Prevention to listen to me. I was cut off from my first phone call and left on hold each time I tried to call back. 

I have never, ever interfaced with XXXX nor have I ever received goods or services from them. I am complaining to you because Truist keeps failing to stop this and now they wont even allow me to talk to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a HELOC with XXXX XXXX XXXX that dates back before the financial crisis. 
I never authorized this account. I fell into medical problems from XXXX to XXXX and again XXXX and XXXX. I have paid the balance on time from XXXX and in XX/XX/XXXX to XXXX XXXX, I had multiple issues with XXXX XXXX and called XXXX XXXX to inform them of my status, and requested to be on forebearance. In XX/XX/XXXX, I was then contacted by a courier that I would be in foreclosure if I do not pay my mortgage. My privacy was compromised as the courier left my  information with my social security number exposed in the building hallway. I called the bank 's attorney : XXXX XXXX at XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, New York XXXX ( XXXX ) XXXX - XXXX, and inquired what I needed to do to get my account back to good standing. I was told I needed to pay roughly {$10000.00} of which roughly {$5000.00} was used for the bank 's attorney fees, in addition to late fees. I felt these fees were exorbitant. XXXX XXXX XXXX also destroyed my credit by reporting me late on the credit bureaus : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This has caused my score to decrease significantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item was deleted off my credit then it was put back on now they said I owe for late fees I dont know what they talking about it this is me I want my drivers license with my picture ID proving that this is meI have tried over and over to get this removed when it was deleted and then they issue it back on I dont know whats going on with the system but once its off its supposed South not put back on I had to delete it a XXXX to prove it Worth in XXXX Kentucky XXXX XXXX face when this occurs
Product: Checking or savings account

On XX/XX/2023, I was notified by email that an account was opened at Bank of America. I went into a branch to make sure this account was closed and marked as fraudulent. I also contacted XXXX to place a freeze so no further bank accounts could be opened. I subsequently received additional emails concerning the opening of accounts in my name. 

On XX/XX/2023, I was notified that another account was opened at Bank of America. I called once again to have the account cancelled. 

I have received physical mail, including XXXX debit cards, about newly opened accounts in my name. 

I'm very upset that accounts have been opened when I had a freeze on my account with XXXX. I want to know why this happened and I want it prevented not only for me but for other customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( XXXX ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-XXXX ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, VA XXXX 2. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 3. there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 4. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 5. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 6. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 7. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 8. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 10. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, VA XXXX
Product: Mortgage

Citibank is an entity in which XXXX XXXX claims was the Trustee of the securitized trust XXXX XXXX XXXX Trust, in which allegedly my loan is tied to a specific pool of said trust. Please have Citibank confirm their past involvement. Please have the person who answers put their name and position and contact information. The last complaint had no name attached to the alleged response from Citibank. I doubt it was answered by Citibank! I have never even had a letter come from Citibank. I guess I will serve my own documents Friday CERTIFIED under Respa and Tila. We will see what comes of that.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : credit cards not mine XXXX  XXXX XXXX XXXX  FCRA Violation : other loans not mine XXXX XXXX XXXX  FCRA Violation : collection not mine XXXX XXXX XXXX FCRA Violation : names and address not mine 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, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA Violation XXXX auto loan not mine XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information contained in my credit report as provided by your agency, in accordance with my rights under the Fair Reporting Credit Act. ( FCRA ), specifically 15 U.S.C. 1681e ( b ). This section mandates that credit reporting agencies take reasonable measures to ensure accuracy if information included in consumer reports.

After reviewing my recent credit report, I have identified the following inaccuracies that i believe were reported in error : These inaccuracies have negatively impacted my credit score, being inaccurate. As 15 U.S.C. 1681e ( b ) requires credit reporting agencies to maintain accurate reports, I respectfully request the immediate deletion of this information ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX INACCURACY : XXXX never 60 days late INACCURACY : Balance owed ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX INACCURACY : XXXX never 120 days late INACCURACY : Balance owed
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote three requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. Equifax is under FCRA law to obtain the of the original creditors documentation on file to verify that this information is mine and is correct. I have already filed a FTC Report and Police Report. Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX