23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

XXXXMY HUSBAND AND I HAVE BANKED AT CITIBANK FOR AT LEAST 25 YEARS AND WE HAVE NEVER BOOUNCED A CHECK. SINCE XXXX 2016, WE 'VE RUN OUT OF FUNDS FROM ONE MONTH TO THE NEXT. FROM XXXX to XXXX 2016, MONEY HAS BEEN MISSING and IN XXXX SEVERAL CHECKS HAVE BOUNCED. ON XXXX OCCASIONS, A TELLER WOULD GIVE ME MONEY BACK FROM ME CASHING A CHECK ( HANDING ME THE MONEY WITHOUT COUNTING IT IN MY PRESENCE AND ON XXXX OCCASIONS, WITHOUT LEAVING THE WINDOW, I COUNTED THE MONEY IN HER PRESENCE AND EACH TIME {$10.00} WAS MISSING AND I TOLD HER THAT {$10.00} WAS MISSING AND SHE ACTED AS IF SHE WAS LOOKING AROUND HER AS TO WHERE IT MIGHT BE AND IT WAS UNDER SOME PAPERS AT HER DESK. I HAVE REFUSED TO GO TO HER WINDOW FOR HELP. THE LAST TIME THAT I CONFRONTED HER SHE BECAME BELIIGERENT AND TOLD ME THAT IF I DID N'T GET OUT OF THE BANK, SHE WOULD HAVE SECURITY TO ESCORT ME OUT. AS I SAID PREVIOUSLY, I HAVE BANKED AT CITIBANK OVER 25 YEARS AND HAVE N'T HAD A MOMENT OF BANKING PROBLEM WITH OUR MONEY, NEVER HAD A CHECK BOUNCED. AS SOON AS I CORRECTED THE PROBLEM BY PUTTING MORE MONEY IN THE ACCOUNT, THE MONEY WAS GONE AND OUR ACCOUNT WAS IN THE RED AGAIN. IN MY HOME, I AM THE ONE THAT HANDLES " ALL '' OF MONEY TRANSACTIONS, INCLUDING DEPOSITS, CHECK CASHING and ANY WITHDRAWALS. MY HUSBAND HAS " NEVER '' HANDLED ANY OF THESE SERVICES BECAUSE ALL OF IT ( SINCE MARRIAGE ) HAS AND IS HANDLED BY ME. HE HAS NEVER WITHDRAWN ANY MONEY. I BROUGHT THIS MATTER TO THE ATTENTION OF THE MANAGER OF THE BRANCH WHERE I BANK. THE MANAGER SAID THAT CITIBANK WOULD BE INVESTIGATING THIS SITUATION ALSO. HE SAID THAT HE HAS RESTORED A COUPLE OF FEES THAT I HAVE RECEIVED. I AM UNABLE TO POINT OUT ALL OF THE RETURNED FEES THAT I WAS TOLD HAD BEEN RETURNED. PRIOR TO BANKING AT CITIBANK, I BANKED WITH " XXXX XXXX BANK '' AT LEAST 15 YEARS AND THERE WAS " NEVER '' A PROBLEM WITH ANY MONEY CONSIDERED MISSING OR THE INABILITY TO KNOW WHERE THE MONEY WENT. AT XXXX, ALSO, THERE WAS " NEVER '' A TIME THAT A CHECK BOUNCED. I HAD MONEY IN SAVINGS ACCOUNTS THAT HAD BEEN THERE FOR YEARS THAT I HAD TO USE AS WELL AS MONEY THAT I HAD RECEIVED FROM MY DECEASED MOTHER OVER XXXX ( XXXX ) YEARS AGO THAT I HAD TO USE TO COVER MY CHECKING ACCOUNT WHERE THERE WAS SUPPOSE TO BE MONEY. I HAVE DEPLETED ALL OF MY ACCOUNTS AND MONIES THAT I HAD AS " SAFEGUARDS '' or " EMERGENCIES '' THAT I NEVER HAD TO USE. NOW, AS I THINK ABOUT IT, I BELIEVE MONEY HAS BEEN MISSING OVER QUITE A PERIOD OF TIME, BUT I USED WHERE NECESSARY AT ANY TIME, BECAUSE THERE WAS ALWAYS A SURPLUS AFTER PAYING BILLS, ETC. I AM GRATEFUL FOR ALL OF YOUR HELP TO GET TO THE BOTTOM OF WHAT HAS BEEN HAPPENING TO OUR MONEY. PLEASE CONTACT ME IF MORE INFORMATION IS NEEDED.
Product: Vehicle loan or lease

The company I originally leased my car from, American Car Center, went bankrupt and sold their company loans to Westlake Portfolio Management. Theyre repoing peoples cars when we cant even sign up online to pay our car notes. They also are picking and choosing what part of our contracts we had with American Car Center they would like to uphold. How are they able to pick and choose or even demand we pay them when we dont have a contract with them.
Product: Student loan

Nelnet reported to all 3 credit bureaus that I had a student loan taken out with them. I have never applied for a student loan, I have never received a student loan, and I have never signed a contract for a student loan. This fraudulent loan was taken out with the use of my social security number ; however my name is not on the contract. 

The references on the contract are not my relatives. 

My name and my signature are not on the contract. 

Nelnet refused to provide the original contract to me for over two years ; however continued to tarnish my name and credit score with false and fraudulent reports to all credit bureaus. 

Nelnet reported my name and information to several third parties without written consent to share my personal and private information showing their illegal practice. 

I have filed multiple police reports in which Nelnet has ignored. The police know the individual that applied for this loan in my name and Nelnet will not respond, they continue to fraudulently report my information to third parties. 

Nelnet has information with 3 different names, 4 different addresses, and emails/phone numbers that have never belonged to me. 

This fraudulent loan has caused significant hardship, including killing   my buying power and tarnishing my name and credit score. I was unable to purchase my home because of the FRAUDULENT loan. 

Nelnet is reporting payments being made that I never made on this fraudulent loan along with other false information ( false names, address, phone number ) that Nelnet is providing to the credit bureaus without my consent, knowledge, and without factual proof. Nelnet is engaging in illegal practices that need to be stopped immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I already disputed this and information is correct. The Open/ closed is incorrect, late payments are incorrect, and the balance is incorrect. 

15 U.S.C 1681 section 602 A. State I have the right to privacy. 

15 U.S.. 1681 section 604 A. It also state a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information appearing on my credit report in light of my rights under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). Furthermore, due to the recent data breach involving XXXX, I am deeply concerned that this misinformation may be a direct result of unauthorized access or compromise of my personal information. The following accounts are inaccurate and require immediate attention : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Wells Fargo - XXXX XXXX. XXXX - XXXX XXXX. WFBNA - XXXX Inaccuracy Description : These accounts are reported as delinquent when no such payments are due. Requested Resolution : I demand this item be verified or immediately removed from my credit report. Given the data breach, I have reason to believe that errors on my credit report may be related to identity theft or unauthorized use of my personal information. Under the FCRA, you are required to investigate and verify the accuracy of all disputed items, especially when they may result from a security breach. I demand that you investigate these inaccuracies and provide written confirmation of your findings within the legally mandated 30-day timeframe. If the disputed items can not be verified as accurate, they must be deleted immediately. Failure to comply may result in escalation to the Consumer Financial Protection Bureau ( CFPB ) or legal action. Given the circumstances surrounding the data breach and the potential misuse of my personal information, I expect this matter to be treated with urgency and diligence.
Product: Payday loan, title loan, personal loan, or advance loan

I was referring to my online account information to make payments by due date listed. This caused some payments to be late. I called Personify Financial & was told payment is due on XX/XX/XXXX. 
Online statement reports next payment due XX/XX/XXXX. However if I wait until XX/XX/XXXX, my payment will be late & fees will accrue. 

Personify Financial is misleading with personal statements on payment due dates & charging late fees when payment is made on due date. 
If you call for your personal due date, it is different than due date stated on statement provided online.
Product: Checking or savings account

I got an alarm on my computer that it was locked down due to hacking and that I needed to contact XXXX security which I did. XXXX confirmed that both my computer and phone were hacked by someone in XXXX for a XXXX website. They had me give them Citizens phone number, which is my bank, and said they would connect me with the bank and to explain the situation to them and why I was calling from a phone that was not associated with my account. The bank confirmed that they had a XXXX charge that was scheduled to be paid within 2 hours to XXXX for accessing a XXXX XXXX and that they could not stop it because payment was authorized from my phone. I demanded they not pay this but they said they had no option other than for me to go out and buy cards from various vendors so they could allege double payment. I refused this option as I stated my phone was also hacked so the payment was fraudulently authorized. This transaction happened at about XXXX this morning. They confirmed they were speaking with me so why would they go ahead and process a XXXX charge to my account. Please help me out as I am at witts end. I have all the info on the XXXX person I was dealing with if you need it.
Product: Credit reporting or other personal consumer reports

Experian is not processing my dispution letters they do this every time. There are many accounts that are inaccurate that's causing me harm. Please inforce this agency to do its job.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express dated on XX/XX/2019 pulled a inquiry on my XXXX  Credit Report that I have not applied for.
Product: Credit card or prepaid card

I paid off XXXX Chase credit cards on XX/XX/2021. AFTER they were paid off in full, XXXX balance showing, I was charged interest on the 'not paid in full balance ' from XXXX previous months. On XXXX of the cards, I was actually issued a 'credit refund ' and THEN charged interest. Several emails back and forth asking for reviews have just gone in circles with either deflection language or cut and paste answers repeated.
Product: Debt collection

Account isn't mines. I never dealt with this company. Also can you show me my signature or a letter of validation for this account.
Product: Mortgage

XXXX 2016 my wife was mobilized from XXXX status to XXXX then XXXX overseas. 
We filed the appropriate paperwork with XXXX to invoke the Servicemen 's Civil Relief Act ( SCRA ) for this loan. The mortgage payment prior to SCRA was : - ( P & I ) = {$770.00} - Escrow = {$260.00} -  TOTAL = {$1000.00} After SCRA was invoked the payment was : - ( P & I ) = {$770.00} XXXX Escrow = {$240.00} - Buy down ( SCRA ) = XXXX - TOTAL = {$900.00} XXXX incorrectly lowered the Escrow payment and, in violation of Federal law, kept the amount of interest paid to the bank at the 7.78 % rate. 
The lowering of the Escrow payment has now caused a huge Escrow shortage. 
XXXX, a manager at XXXX, has documented my grievance. I believe this is not the only SCRA loan that has been incorrectly modified to collect funds boosting the banks profits and harming the service member.
Product: Debt collection

Show me the privacy note with my signature that was used to share my PRIVATE INFORMATION with the debt collectors Show the privacy notice to go from different debt collectors Thats a violation of my rights You can not just pass my private information to more than one debt collector without my consent. 


1. ) show me the notice you have Prove the claim amount You claim I owe XXXX $ show me based upon the accounting records how we got to XXXX $ Also the full account number for the account? 

XXXX isnt proving the full account Also the XXXX $ debt you claim I owe? 

XXXX ( Dont just send me statements, which youve never done including signatures and everything else Ive asked for proving the debt is mine Dont just have a statement or another statement, lets not leave it at that. Show me how you got to that claim. Show me my payments my interest rates the signed authorization charges. Digital or Signature or keyed in with a pin.
Product: Credit reporting, credit repair services, 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. XXXX XXXX - Unauthorized Inquiry 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 premission 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: Credit card or prepaid card

Chase Bank decided to close my XXXX XXXX card and XXXX  card on XX/XX/XXXX of XXXX. I did not receive any warning or consultation for this closure. I have made regular payments to the cards and was never delinquent. I called their customer service number and would not tell me why the account was closed. I was told to wait for a letter. A few weeks later I received the letter. The letter had a phone number for any questions. I called it and got the same blanket statements that I received from customer service initially. They proceeded to tell me that I could write or fax a concern and the executive office would respond. That simply hasn't happened. 

In early XXXX of XXXX, I applied for the XXXX card that Chase offered. I was approved and receive my card. However, a week or two later I received a letter stating that the card account was closed by Chase. I called the number on the letter and was not offered answers or even explanations. I was advised again to write a letter or send a fax. These actions by Chase have caused me to suffer harm to my credit and put into question my good name.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i sent off an investigation to the credit bureaus to check every piece of information on my account. I told them to investigate everything on my credit report & make sure everything was 100 % accurate, however they didn't do an improper investigation according to 15 USC 1681 603 ( 3 ) ( E ) On XX/XX/XXXX I also told them how did you investigate if everything wasn't 100 % accurate, its still not 100 % accurate this is still incorrect XXXX XXXX XXXX XXXX EXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX On XX/XX/XXXX I sent off certified letter with a final request that they remove these accounts because they still aren't correct. They have violated many of my rights according to the law. THIS is my tracking # XXXX Tracking # XXXX Tracking # XXXX 15 USC 1681 603 ( 3 ) ( E ) states The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times The credit bureaus violated my given rights under 15 USC 1681 According to 15 U.S.C. 1681 section 602 A. states I have the right to privacy According to 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 According to : 15 U.S.C. 1681 s-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

I called XXXX in XX/XX/2019 to update my address. Unfortunately it was not updated and I was over 30 days late on my Payment in XX/XX/2019. I contacted XXXX l, they apologized for the inconvenience and credited me the late fee of {$39.00}. They also said they would remove the 30 days late off my credit reports. I recently looked at a copy of my credit report and its still on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL THE ACCOUNTS I LIST HAS VIOLATED MY RIGHTS 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 ) 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.

ALL THE ACCOUNTS IN THIS MESSAGE BELOW HAS VIOLATED MY RIGHTS 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 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

I consolidated my loans a couple of weeks ago. I talked to Department of Education several times last week and they stated that I owed nothing to them, and they received a payment the end of  XXXX . I am no longer in default. You would think that would be wonderful, so I just received a call from the mortgage company stating that I was denied for the loan due to Department of Education stating that I owe them {$1.00} which  they ust placed  on my credit reports it took my score down  XXXX  points. Mind you   XXXX    was suppose to pay off EVERYTHING so how did a dollar slip thru the cracks How are they allowed to keep screwing my life up I did my part they go paid and still causing me grief they they are making extra remarks on my report. It the balance is paid just say PAID not pad was delinquent nobody cares if was delinquent that just want it paid.I am so furious a DOLLAR really. I called  XXXX  they stated that I did n't owe them anything. PLEASE PLEASE HAVE THEM CORRECT THIS. I OWE NOTHING TO THE DEPRTMENT OF EDUCTION SOMEBODY SCREWED UP, and I am paying for it
Product: Credit reporting, credit repair services, or other personal consumer reports

My compaint is on Experian I did not know that this entitiy was in kahoots with XXXX. I just ran for XXXX in XXXX XXXX XXXX. I had XXXX they let them shut down my whole communication. For the whole race. I am a XXXX time business owner and it was a business account. I believe this credit bureau should be charged and locked up. They have all our information on their hands and we can't trust them. I have been trying EVRYTHING to fix my credit report with this entitity for over seven years. The had a data breach involving XXXX, and all our personal, and business account where compromised. Yet I have been trying to be compensated for all my I.D theft. They report old, false, someone else 's bills they accumulated from stealing my I.D I have FTC reports, CFPB reprots, I have certified, emailed, spoke with 1,000,000 people in this seven year span of destroying my life. I can't get a job, an apartment, credit cards high interest. My life is unlivable. being uneployed and broke. Everytime I erase something off that I did not do They act like the going to raise ith then they drop it. How they should be putting all americans credit at 800 after the allowed hackers to steal OUR lives. I need for this entitiy to put my credit score to XXXX  immediatly, if not Next course of action is Civil lawsuit. I need to here from this entity immediatly. They have no score when you look my credit score up. I had to do all the work to dispure all this ID theft nad inaccurate reporting. I'm mentally and physically drained out trying to fight All three credit burueas for their mistakes. This is illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX  XXXX XXXX Balance : {$470.00} ; XXXX  XXXX XXXX Balance : {$430.00}.
Product: Debt collection

Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 

Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Transunion on XX/XX/2021 regarding fraudulent inquiries. According to XXXX5 USC 1681c-2 they have refused to block this information from my report within 4 business days of the receipt of my identity theft report. Transunion is also violating 15 USC 6801 as they are violating my privacy and causing substantial harm and inconvenience to me as a consumer.