23daVinci/CFPB_Complaints huggingface dataset:
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. 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. 
XXXX ) XXXX XXXX XXXX # XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX ) XXXX  XXXX XXXXt/Acct # XXXX XXXX ) XXXX XXXX # XXXX
Product: Checking or savings account

Please someone help me. My money has been stolen and Wells Fargo allowed someone to access my account and take all my money. Around 2 years ago Wells Fargo reached out to me and told me that someone had information, all my information and was conducting transactions on my account. Which at the time I closed that account and opened a totally new account. There was a password placed on my account and I was ok for a while. Some where along the way my password was removed from my account. And the fraud started again. I have had to file multiple claims on fraudulent transactions on my account. I have a XXXX and I told Wells Fargo about this and they still continued to ignore my cried for help. I told multiple tellers that something was going on with my account which they assured me everything would be ok and taken care of. Which was a lie. They let someone once again steal all my money and said it was me. Totally unfair and not true. I want to close my account but I really need help as again I have a XXXX and Wells Fargo has fully taken advantage of me. They fully knew that someone had and still apparently does have access to my information because they are the ones who alerted me. Please someone help me as I have nothing now because of me trusting in Wells Fargo and them continuing to lie to me and telling me they will protect my money. I have been a Wells Fargo customer for over 15 years.
Product: Checking or savings account

Opened a checking account with Citibank to receive their {$1500.00} deposit bonus. 

Funded the account with {$200000.00} within XXXX days and submitted and faxed all information to open the account on account open. 

Per the terms after XXXX  XXXX, Citibank will pay the bonus, this was due on XX/XX/XXXX. 

Citibank continues to come up with new reasons to not pay the account bonus. 

Several customers are reporting similar issues at : XXXX XXXX XXXX  This appears to be a XXXX scam to pump account numbers and deposits ; but Citibank also refuses to honor their own company promotions
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy in  XXXX   XXXX , since then  XXXX  has continued reporting my account as late/past due and missed payments in  XXXX ,  XXXX   XXXX ,   XXXX     XXXX . I contacted the bank directly and they told me they would reach out to their credit card program, have them update the status of the account and then reach back out to me with confirmation that this had been completed. It has now been a week and I still have not heard back from  XXXX , and I pulled a fresh credit report today and the information is still showing in a negative status.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Checking or savings account

On XX/XX/XXXX, someone stole a check meant for the mortgage company from my mailbox at home. They somehow photoshopped someone's name on it and cashed it ( {$1900.00} ) the within a few hours. Reported that issue to XXXX XXXX, MD police ( Case # XXXX XXXX : Wurst Badge : XXXX Phone : XXXX ), and Citibank ( XXXX XXXX, MD ) branch in person. The representative XXXX XXXX supposedly filed a fraud case, put a block on our account and opened a new checking account. I was told at the case will take about 90 days for investigation and resolution. On XX/XX/XXXX, I received a letter from Citi stating that the case is closed since I did not provide some affidavit which XXXX should have done for me. I called in the fraud team to find out XXXX did not file any case and that I need to go to the branch in person and file an affidavit. I went to the branch the same day, met with XXXX XXXX and she helped me file a proper case. In XXXX when I inquired with the branch XXXX XXXX XXXX who appeared to be helpful and said will personally followup. End of XXXX and XXXX, I reached out to her to get the response that case can take 90 days to solve. Now today is XX/XX/XXXX, inquiring twice in the last XXXX weeks yielded no response. Not only that I have been their customer since XXXX, Citibank has no regards to an issue, and is covered by the FDIC policy. I do not want to bother calling them again to resolve this. Would like CFPB take direct action to resolve it. I have all kinds of proof to present but Citibank has them. Please help. Thanks.
Product: Credit reporting or other personal consumer reports

XXXXXX/XX/XXXX Account Number : XXXX To whom it may concern On the date of ( XX/XX/year> ) a late payment was reported inaccurately. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under ( 15 USC 1681 section 602 ) states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under ( 15 USCS 1666b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan go late for any purpose. Also under ( XXXX ) it states the consumer report does not include transactions or experiences between consumers and the person making the report. Date of incorrect late payment ( XX/XX/year> ) Best regards, XXXX XXXX
Product: Student loan

Nelnet Servicing put me in a Administrative Forbearance in XX/XX/2023 as I was moving to the new XXXX plan. I still made payments for XXXX, XXXX and XXXX, however Nelnet did not correctly apply my payments towards interest and principle despite choosing a general account payment as opposed to a specific group payment. Nelnet applied very little payment to the interest, and allowed {$420.00} do accrue by XX/XX/XXXX, when I made my XXXX payment to try and pay that interest off. However, again, Nelnet applied only {$33.00} of the {$500.00} dollar payment to the interest allow more to accrue. I will include screenshots of the information. When I called them, after XXXX and XXXX hangup that caused me to have restart the process again I got contradicting stories about why this was happening. The first Customer Agent didn't know why the payments were not being applied correctly and when she tried to transfer me to more specialized support, I got hung up on. After a second call, I found out that on their end ( according to them ) the payments were only applied to specific loan groups, meaning it was not a general payment. However I never picked the per group option, so this is either an error on how the website works, or it's a behavior they don't explain. The agent stated they'll submit a technical report and after much explanation she will ask that the payment be reapplied correctly towards interest first. There is no guarantee that they will follow through as they have shown no consistency in handling this case, and based on a cursory look on XXXX, this is an ongoing problem with Nelnet and their website.
Product: Debt collection

Innovative Recovery contacted me about three weeks ago about a supposed debt I owed. Every single person I have spoken to on the phone has been rude and refuses to be helpful. I asked for a detailed itemized receipt of the supposed debt to try and ascertain why I would possibly if at all owe anything to anyone. They sent a letter to my job initiating my boss to ask why a debt collector was coming after me. They constantly call during the day while I am at work. They refused to send me an itemized receipt and the most recent communique I received has the wrong name on it. I do not believe I owe this debt at all since they will not provide me with evidence I do and instead opt to harass me and badger me hoping I will give them money. I've asked them to not call me, they call me. I've asked them to give me an itemized receipt, they refuse. When I talk to anyone on the phone they start yelling at me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Fraudulent Accounts on my credit reports for XXXX, Equifax, & XXXX I have disputed these accounts multiple times. 
Fraudulent Account : XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$11000.00} Fraudulent Account : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$12000.00} Fraudulent Account : XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$29000.00} Fraudulent Account : XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$15000.00}
Product: Debt collection

same call every day from penn credit corp -- XXXX never did business with this company even call on a sunday
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I submitted a dispute to Transunion against XXXX XXXX XXXX ' attempt to collect a debt not owed, of over {$16000.00}, on behalf of XXXX XXXX XXXX XXXX. To validate my claim, I uploaded a Writ of Re-Entry document, granted by XXXX XXXX, in XXXX of XXXX, granting access to the unit, ruling there was no prior rent due, nor prior debt owed to the community. Also included in the uploads were court documents showing XXXX XXXX XXXX ' cause of eviction, including a XXXX balance, on the rent balance owed line, submitted to the Court. 

CFPB file number XXXX, ( to include the same company in the same dispute ), upon completion of the investigation, was submitted to the FTC for enforcement , entering XXXXXXXX XXXX XXXXXXXX XXXX into the Consumer Sentinel Network . Because of this finding Transunion, ( nor any other credit bureau ), should not be allowed to uphold a debt that was fraudulently submitted against court orders and referred to the FTC for enforcement by the Consumer Finance Protection Bureau. 

XXXX XXXX XXXX attempted to present a court document regarding an eviction case they lost in XXXX of XXXX, citing rent owed, however in this case the Court too, ruled in my favor, as XXXX XXXX XXXX cashed the money orders presented via XXXX XXXX, and filed for eviction without cause. Because they lost the original case in XXXX, I was still a resident, illegally locked out of the unit in XXXX, with a XXXX granting my access to the unit in XXXX. Upon being escorted to the property via a XXXX XXXX XXXX, we discovered ( the deputy and I ) the unit had already been rented to new tenants, with my property disposed of. 

Between the Writ of Re-Entry dated XX/XX/XXXX by the Court, and the filing of this debt placed on my credit report, the same month after the Judge ruled, against Court orders, is upholding this community in retaliation, as the same community in the complaint acknowledged prior, no rent being owed as their Cause of Eviction in XXXX. 

My argument is because my family and I were locked out in XXXX, with no balance owed, XXXX XXXX XXXX should not be allowed to collect for a debt not owed nor disputed in the original argument that XXXX XXXX XXXX lost in court,
Product: Credit reporting or other personal consumer reports

Subject : Notice Regarding Discharge of Debt Under HJR 192 and Request for Credit File Update I am writing to formally notify you of my status as a Secured Party Creditor and the discharge of all debts associated with my accounts under the provisions of House Joint Resolution 192 ( HJR 192 ) of XXXX. Enclosed with this correspondence is an official document from the Internal Revenue Service corroborating this discharge. The discharged accounts include obligations reported under all institutions : Under the authority of HJR 192 and supporting documentation, I understand that these debts are considered null and void. Furthermore, I request that any derogatory or inaccurate information be removed from my credit file. As a consumer, I exercise my rights under the Fair Credit Reporting Act ( FCRA ), specifically under : 15 U.S.C. 1681i : The right to dispute inaccurate information and promptly correct it. 15 U.S.C. 1681c : The right to request the removal of obsolete information. To ensure compliance with federal laws, I expect these actions to be completed within 7 business calendar days from the date of your receipt of this notice. Failure to comply with this lawful request may result in further action, including filing a formal complaint with the Federal Trade Commission and potential legal remedies. Please confirm in writing once these corrections have been made, and direct any correspondence or inquiries regarding this matter to my attention at the address on file. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan # -- -- -- -- -- -- belonged to a propriety that I used to own, but was sold in  XXXX . The mortgage was completely paid off in the sale however at some point  XXXX   XXXX  noted it on my credit history as a Bankruptcy. When I first attempted to resolve this matter I was told another customers bankruptcy had been mistakenly attached to my loan. I was told this matter would be corrected. I never have filed for bankruptcy and a letter acknowledging this mistake needs to be sent to me and all credit reporting agencies. This matter has caused me to not be approved for other loans and caused me financial hardship relative to my current loan.   I have been attempting to resolve this matter for over  2  yrs. and have constantly been given the run around, with some of the  XXXX   XXXX  responses being : - the bankruptcy belonged to someone else - the loan can not be found - the loan is no longer in our system - some of the old loan numbers  may  have changed after the  XXXX  acquisition - you ( me ) didnt send in the correct loan number - old records  may  have been purged from our system - the records are sitting in archives - Its a manual process - were looking into it Finally when I did receive a letter that I thought was a resolution to this matter the  XXXX   XXXX  representative  XXXX   XXXX   (   Executive Resolution Specialist  ) referenced the WRONG loan number. When I spoke with  XXXX  the excuse he gave me for this matter not being resolved was that he recently took over my case which is a lie because I have a letter from  XXXX   XXXX ,  XXXX  in which  XXXX  referenced the wrong loan number. Afterwards he kept trying to blame me for not submitting the correct loan number claiming that is the reason he has not been able to resolve the matter yet.  2  weeks ago I physically went into a  XXXX   XXXX   XXXX   (   XXXX   XXXX   XXXX   XXXX ,  XXXX , TX ) where I spoke with  XXXX   XXXX  and gave him the exact loan number in question. ENOUGH WTH TRYING TO BLAME THE CUSTOMER FOR  XXXX   XXXX  LAZINESS, LACK OF ACCOUNTABILITY AND UNPROFESSIONALISM. THIS IS RIDICULOUS!! But it seems to be just another case of systematic unethical practices by  XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This is to advise you in writing and formally that FCI 's end of term tactics of : 1. sending end of term correspondence to an address where they DO NOT bill me and have full knowledge that I do not reside and at which I do not receive mail is explicitly contradictory to the intent of truth-in-lending legislation.

2. FCI failing to respond to email correspondence from me advising FCI of the correct address for any and all such correspondence, which is in fact the same address FCI has used to send mebilling statements for every month of the term of the loan is also explicitly contradictory to the intent of truth-in-lending legislation.

3. FCI failing to respond to phone calls after leaving contact phone numbers in their phone system is also explicitly contradictory to the intent of truth-in-lending legislation.

4. Automated hang-ups from FCI phone system on callers who are attempting to leave their phone number for a call back from your firm after your system represents that caller will not lose their place in line is explicitly contradictory to the intent of truth-in-lending legislation.

FCI has an affirmative duty to operate in accordance with ALL END OF TERM LEGISLATION ON ALL LOANS SERVED BY FCI.

This correspondence is therefore being forwarded to the truth-in-lending regulatory board to notify them of the further dishonest operations of FCI.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I was alerted by my credit monitoring service, XXXX XXXX, that a hard inquiry was made on my credit report. Considering I hadn't applied for any loan applications I suspected fraud. The company listed for the hard inquiry was XXXX XXXX   XXXX. I contacted them and they told me they were used by a 3rd party, XXXX XXXX XXXX, a lending company based on South Carolina. I attempted to contact the company to no avail. The inquiry appeared with XXXX  and XXXX. I called both bureaus and told them about the incident. They both told me that to dispute the inquiry I had to get verification from the lending company as well as other supporting documentation. The issue is the lending company has yet to contact me back and I fear that something fraudulent is going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I am a victim of Identity Theft which i believe came from Equifax Data Breach. I filed an XXXX Identity Theft Report XXXX. I recently received a copy of my credit report from XXXX and Equifax. Both credit report showed credit inquiries that I did not authorize. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please see attachment with the list of inquires.
Product: Checking or savings account

XXXX took my money on XX/XX/XXXX my card got charged twice one payment i authorized for {$120.00} and one i did not for {$100.00} XXXX  my card is through direct express they sent out paperwork for me to file a dispute i faxed it back to them on the XXXX of XXXX the claims department told me my provisional credit would be on my card in ten days and it's now XXXX XXXX i did talk to XXXX  they made the same mistake on XX/XX/XXXX of XXXX and put back {$84.00} but wont refund my {$100.00} for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two US Department of Ed showing on my credit report that are not mine! They have the same reference number of XXXX Every year this happens too, I receive notice that the Dept of Ed is going to garnish my tax refund then when they actually look into it they realize it's not mine!!! I never had an account with them. I don't know if some who's SS # is close to mine or it's my name but I do not have nor ever had two federal student loans.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Balance Is The Same As When I First Purchased The Vehicle
Product: Checking or savings account

On XX/XX/2023, I tried accessing my CITI bank mobile app and website. I couldn't log in. I called customer service and they said there is a BLOCK on my account and forwarded the call to the fraud department. 

They said there is an incoming transfer that is marked as fraud. But I have all the evidence that I made this transfer from my financial institution. In fact, this is the third transfer that I did to this savings account from the same financial institution which is called " XXXX '' Now, I have checking account as well. Even that I can not access and it has funds and even that was deposited by me from other financial institution. So please return my all the money in both checking and savings account. 

Attaching my proof of transfer to my Checking account and Attaching my proof of transfer to my savings account and also proof of XXXX  account that belongs to me which is used to transfer to my savings account
Product: Credit reporting or other personal consumer reports

Ive filed disputes many times and asked for removal of bad accounts as I have no agreement or contract with third party debt collectors and Experian never removes the accounts.