23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I recently fell behind on my student loan payments with Citibank. When I was going to be one month behind, I had made proactive phone calls to tell them about my situation to come to a payment agreement, but no offers or assistance were offered to me. I was told to just make a payment when I could and to expect to receive phone calls until then. When I realized I was going to be two months behind, I called again to request a 60-day forbearance ( no payments for XX/XX/XXXX or XX/XX/2015 ), resuming payments in XX/XX/XXXX. I was approved, and the paperwork was sent to me. I faxed my application and received my confirmation. My confirmation stated the dates of my forbearance were for past dates and that my next payment was due in XX/XX/XXXX. 

Customer Service did nothing to help me. They told me that my forbearance started the day after my most recent complete payment, and that because my XX/XX/XXXX payment was behind at the time of the application, that 's when my forbearance period started. An Account Specialist told me I should have received disclosures explaining these terms. I did not receive these disclosures nor was this explained to me at the time I applied. 

I am extremely frustrated because I feel I had communicated my situation and was taken advantage of at a time I most needed help. Having been in such a dire financial situation, reaching out for help, and finding results that offer virtually no relief, the experience has felt predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Mortgage

Dear Sir or Madam : Citizens Bank has not acted in good faith. The alleged " default '' or " delinquency '' was not occasioned through any fault of the undersigned Borrower. The interest rates he has paid for the many years since XXXX concerning the alleged loan terms, have been higher than the market rates throughout those years. Borrower believes the alleged loan terms are no longer valid. 
The Bank had denied a prior application to refinance for no apparent reason or any explanations several years before his latest appeals and applications beginning in XX/XX/XXXX. 
Bank has been advising Borrower in various accounts since XXXX, including his investment account. Borrower is XXXX on Social security, has XXXX children in college on borrowed monies and expenditures. His financial problems began XX/XX/XXXX after wife separated. Bank is now pushing for foreclosure, which would render Borrower and his family homeless. Bank has acted in bad faith at cross purposes in a dual capacity - both as investment advisor and debt collector! 
XX/XX/XXXX Borrower met with Bank consultant for financial advice. Upon suggestion of the consultant and with his direct assistance, Borrower applied for refinance and debt consolidation from the Bank. Soon thereafter the Bank erroneously assumed that the Borrower had defaulted, without any factual basis. The Bank denied debt consolidation at a reduced interest rate, unfairly refusing to accept any payment against principal and alleging a bad credit of the Borrower, without any foundation. Since XXXX XXXX Borrower 's Applications for term modification have been denied. The Bank having refused to accept any payment in satisfaction of alleged debt, in whole or in part, and further aggravating Borrower 's financial standing based entirely on false reports which have irreparably damaged his credit standing. 
Therefore, Borrower respectfully submits that there is no interest, penalties or costs or ANY debt due and payable. Borrower makes this statement based on the fact that the Bank has FORFEITED its claim - in the absence of a complete accounting of ALL payments tendered by the Borrower since XXXX, which far exceed Bank claims for an alleged loan balance. Borrower is not in Default. Default or delinquency, if any, has resulted entirely from the Bank 's fault and its bad faith in failing to timely and reasonably respond to Borrower 's record of payment and numerous requests made through telephone calls, emails, letters and formal applications, including numerous meetings he has had with Bank representatives, to no avail. Borrower believes he has timely paid all of his obligations to the Bank. The Bank 's allegation of default or delinquency is not substantiated. 
Further, Bank has discriminated against Borrower on the basis of his alien national origin becuase of his XXXX background. He is XXXX a US citizen. He legally entered the United States in XXXX XXXX. 
Borrower requests assistance to prevent foreclosure so that he may live at his residence in peace and with his family. 

Thank you, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX received a Court Civil Judgement of XXXX. On XXXX/XXXX/2014 I made an agreement with XXXX credit to repay my debit XXXX dollars per month till amount was paid offOnce the account was almost paid i contacted XXXX XXXX for a final payment amount. I was told I owed {$980.00}. I calculated all my payments and found I 've paid a total of XXXX over paying on the judgement by XXXX dollarsNo amount of contact by my bank and proof faxed and sent registered mail has resolved this issue with XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Have leased XXXX vehicles through XXXX XXXX. Flawless payment history until the end of each lease when trading vehicle in for new lease. Both times vehicle was turned in, there were issues with the bank and dealership and payments reported as late. Have tried resolving these issues on multiple occasions. XXXX XXXX XXXX XXXX just says to dispute them on credit report. I have disputed them and no change.

They stated there was a charge off of {$300.00}? Its always at the end of the lease with no other issues during. XXXX XXXX is the only negative remarks on my credit report during my entire life. I have had multiple other vehicles financed and have never missed a payment. Will not be renewing this current lease with XXXX and will never by a XXXX vehicle again. 

While looking into this, I found multiple other people suffering from the same issue with XXXX XXXX. It seems to be a common issue, and I caution anyone to lease a vehicle from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiry listed on my Experian credit report is unauthorized and not my hard inquiry : XXXX XXXX XXXX, XX/XX/2023.
Product: Debt collection

I called IQ Data XXXX @ ( XXXX ) XXXX - to request that a collections letter be emailed to me so I could include it in my debt settlement program. However, the agent who took my call refused to send me the information unless I paid the full amount today. The agent I spoked to harassed me for a payment. When I inquired about why documentation of the debt couldnt be emailed to me, the agent simply stated it was policy and wouldnt provide any further explanation.
Product: Checking or savings account

I went to bank of America-where I opened this account 4 days -ago, to ask for different questions because this bank changed my security questions and I could not get into my account, the lady there told me if I could bring the whole desk top into the bank- she could help me, the whole Pc weighs about 80 pounds, I can not lift over 10 pounds because of health reasons. She told me then ( it was nothing she could do ) I said close my account, she said she could do it and just gave me all the funds that I had in my account- had me to sign two papers in which I was so angry that I just signed -I trusted that she was closing my account, but she lied and did not. Now I am getting notice that I don't have enough in my banking account.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Bank account or service

This is about a promotion Citibank had in XXXX of 2015 where one would get XXXX points for opening a Citi gold checking account and meeting certain requirements. After I signed up for the promotion, I confirmed with a Citi customer service rep that I am eligible for the promotion. Now after 6 months, Citi bank is claiming that I am not eligible for the promotion and declining to give me the above bonus.
Product: Credit reporting

I sent a letter to Equifax asking them to investigate errors on my credit report on XXXX XXXX. I requested that they mail me the response once the investigations were completed. Over two months have passed, and I have not received the first response back from Equifax, and I 've even sent two follow-up letters.
Product: Credit reporting or other personal consumer reports

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


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

Dear XXXX XXXXCFPB I am writing to you as a victim of identity theft regarding the fraudulent accounts that continue to appear on my credit report. Despite numerous disputes filed by me, along with reports submitted to various authorities including the FTC, the Office of the Controller of Currency, the police, and the FBI, these accounts persist on my credit report. 

I recently obtained undeniable evidence, including the perpetrator 's identification and social security card, proving their responsibility for the identity theft and the opening of these fraudulent accounts in my name. With this concrete evidence in hand, I demand the immediate removal of these accounts from my credit report. 

XXXX XXXX account number XXXX I want to emphasize that I have exhausted all available channels to resolve this matter amicably. However, the persistence of these fraudulent accounts on my credit report is not only damaging to my financial reputation but also a violation of my rights. Failure to comply with this demand will leave me no choice but to pursue legal action against your company for knowingly reporting inaccurate and fraudulent information. 

I urge you to take prompt and decisive action to rectify this situation. Your cooperation in this matter is crucial to restoring my financial integrity and protecting my rights as a consumer. I expect a written confirmation of the removal of these accounts from my credit report.
Product: Checking or savings account

My employer uses Capital One for my direct deposit of my salary. My funds are 4 days late. I have automatic drafts coming out and I will not have the money to cover them- due to your bank mess up. I need money deposited into my account asap. 

Will capital one cover my overdraft fees and help with my bills while you guys get this mess fixed?? 

Call me with a solution asap!! 
XXXX XXXX XXXX
Product: Checking or savings account

Chase said my account would be closed in XXXX last year, and officially closed my account in XXXX. But until XX/XX/2024, I did not receive a check for the money in my account. I've been to the branch XXXX times and no reason was given to me. I'm going back to my country in XXXX. I need to get my money as quickly as possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 
XXXX XXXX  - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX XXXX  - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX, XXXX, and Equifax have 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 an 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 or 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 data is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern : Upon reviewing my Experian account it looks as if I have a LOT of inquires that DO NOT belong to me on my account. I even have some that show up at multiple dates. I mailed a Multiple Inquiry removal letter on XX/XX/XXXX by certified mail in order to dispute information, in regards to 22 inquires, that is being reported on my credit report. They received the letter on XX/XX/XXXX and they completed the request on XX/XX/XXXX. I mention to them that I have never stayed in the state of Texas and most of the inquires is in that state. The request that I submitted included 22 inquires that were not factual and I received the same response for All inquiries, which was Inquires are a factual record of file access. If you believe this was unauthorized, please contact the creditor. I would like for the below inquires to be deleted. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate XXXX respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into the original dispute for hard inquires that does not belong to me, I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. Thanks
Product: Credit reporting or other personal consumer reports

" The Fair Credit Rep

orting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''
Product: Credit reporting or other personal consumer reports

I would like the authorized user credit card Chase Sapphire Preferred with a {$5000.00} limit removed from my credit report. I do not want this reporting on my credit report because according to the FCRA I can block anything from my credit report. Please remove it immediately.
Product: Vehicle loan or lease

I was late on payment in XX/XX/2020 due to coivid I was in the hospital with covid I asked them for help and they agreed but they never followed through the agreement!!!
Product: Money transfer, virtual currency, or money service

I am writing to formally Express my concern regarding Zelle handling of dispute, partially in light of the recent CFPB lawsuit, hotline significant issues with the platform despite using Zelle failed to investigate my claims adequately. they informed me that tracking these transactions was infeasible. The CFPBs findings indicated that has not only neglected to protect consumers, but has also allow repeated offenders to exploit the system, leaving users vulnerable to scams. These lack of accountability and transparency is unacceptable and rises Serious concerned about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my THIRD TIME notifying yall about these fraudulent acounts on my credit. The FIRST time i was accused of using a credit repair company. I cant even afford a credit repair service. I was accused of using credit repair the SECOND time, now the THIRD time yall said these are my accounts. HOW could these be my acounts when i have NEVER benefited from. I am victim of identiyy theft and i feel like im being further victimized by being accused of actually owning these accounts. I really dont know what yall want me to do, the only logical thing would be a law suit..