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

XXXX. Received a letter in the mail from Citibank on XX/XX/2018 indicating that we had to update our account information or our account would be blocked until they received documents requested. 
XXXX. On XX/XX/2018, I went to the online form, completed the requested forms, received a reference ID of # XXXX and uploaded the forms. ( Attached 1 ) 3. On XX/XX/18 I received a notice from Capital One Credit Card that our payment was returned from Citibank due to a Payment Account issue. ( Attached 2 ) 4. I called Citibank on Monday, XX/XX/2018, after returning from a business trip. I was told my account was blocked because we did not complete an Addendum E Form. We completed the Addendum E form and emailed to Citibank. ( Attached 3 ) 5. XX/XX/2018 - Another block was placed on our account as I found out via a phone call from concerned vendors. I called Citibank and was told that we needed to complete another form before they could unblock the account. I asked them to have a check issued to close the account as we will not be doing business with them going forward. 
They stated that they will issue a check and I can pick up the funds at my local branch tomorrow. 

Is it legal to block payments from this account without any notice?
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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 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

XXXX XXXX XXXX took over my home loan. They have reported my loan as missed payments in the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I paid with proof of payment through my bank statements. I have requested to have those late payments removed off my credit report which has tremendously hurt my score as they werent late and my loan was sold to another company XXXX XXXX whom took over my payments in XX/XX/XXXX. I call XXXX XXXX XXXX only to be rerouted to XXXX XXXX. I then have to find a land line to call from so they dont have my phone number attached to my old account just to get a representative on the phone to redirect me to an email address for my concerns on this matter as she said she couldnt help me I have emailed XXXX XXXX XXXX FOUR times without a response! I have filed disputes with all 3 credit bureaus to have this removed and its currently under investigation. I am trying to refinance my home loan with a better deal and this is my hold up. For the past week I have stressed over this as NO ONE WILL ANSWER at XXXX XXXX XXXX. I shouldnt have to go through this much trouble to get customer service on a loan I had with them. I log on to their website and it redirects me to XXXX XXXX yet again. Someone needs to train this business with better customer service!! I can even access my old account not will anyone help me remove these negative remarks off my report. I have proof of payments and I have never been treated so poorly by a company! Someone needs to be held responsible for this!
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.
Product: Credit card or prepaid card

I contacted Wells Fargo Bank on approximately XX/XX/2018 regarding the poor quality service from XXXX XXXX cellular telephone company that I paid {$150.00} for using my Wells Fargo card on XX/XX/2108. Wells Fargo erroneously characterized my dispute as an unauthorized charge as opposed to poor quality of service received. On XX/XX/2108, Wells Fargo send me a letter stating that my dispute was closed in XXXX XXXX 's favor because the charge was authorized and XXXX XXXX had presented documentation of my usage of the service. I subsequently contacted Wells Fargo to complain that the dispute was mischaracterized and that I did indeed authorize the transaction but the service was unusable and not as promised. Wells Fargo refused to reopen the dispute or otherwise offer relief. I am initiating this complaint against Wells Fargo Bank to obtain a full refund of the {$150.00} that I paid, and for the mishandling of my timely dispute of the charge on my Wells Fargo account. I am attaching documentation showing the XX/XX/2018 dispute, XX/XX/2018 dispute denial letter, and four pages of XXXX XXXX  community blog posts showing that the service issues I was experiencing were severe, repeated, and rampant with other XXXX XXXX customers at the time I experienced them, and that XXXX XXXX   executive management were aware of the problems.
Product: Debt collection

On XX/XX/2021 Midland Credit Management open a collection. 
Account # XXXX {$2600.00} that I owe I have never signed any written documents saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and they have no written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 



XXXX XXXX XXXX
Product: Debt collection

Dear CFPB I was in the process of repairing my credit. I updated my address on my report, and I got this letter from XXXX XXXX XXXX on behalf of XXXX XXXX. It says I owed {$790.00}. I have no problem paying anything I genuinely owe. But on the letter, there was no original creditor. So I disputed the collection notice on XX/XX/XXXX, by mail. XXXX XXXX failed to respond. They just told me it was a " medical bill '' when I called and asked. So fast-forward to XX/XX/XXXX, I get a call while I'm at work from a collection company named " XXXX XXXX XXXX  on behalf of their client XXXX XXXX `` saying I owe {$790.00} from XX/XX/XXXX again, no notice in the mail. They told me to protect my credit and how I would make the payment. I asked who the original creditor I was told it was from urgent care, no name, then they left me on hold and never returned to the phone. I called back they hung up in my face. I was able to talk to a lady when I called back a 3rd time to get a collections account #.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased Honda XXXX in XX/XX/XXXX. I received a mail explaining how to set up online payment which I did follow all the steps given. I previously owned XXXX Honda XXXX which was always paid on time and had an existing Honda finance account. I reset my password and setup the payment for the new vehicle purchased. But for some reason the payment did not go through and I have not received any communication from Honda Financial Services. They say they called me and mailed invoices. I never received any in mail as I chose paperless communication. I got a notification from my XXXX account about the late payment. Then, I logged in to Honda and figured out that the payment was not done. 
The profile had my old phone number and previously lived address. I was surprised that they communicated to the old information. I updated every information in every tab and made sure the scheduled payment setup shows up in the account. I double checked if the amount was deducted from my bank account. 
When I requested Honda to remove the derogatory mark, they said that they can not do it as they did not receive the payment and the communications they did to my old contact was just for courtesy and it is my responsibility to pay on time. I am responsible and I set up the payment by choosing a payment date as well on XX/XX/XXXX. The setup did not get saved or there could be system error etc.. 
As soon as I knew this, I did the payment and making sure the payment process continues without any delays or errors. The communication preferences with Honda Finance are really the worst. For me, it was not user friendly. They do not provide information in the email. We need to go back to the Honda finance account to view any kind of data about the statements or letters or setup information. Who does this these days? People completely rely on emails and the content in the emails. No body remembers passwords to login to each account to review information.
Product: Money transfer, virtual currency, or money service

Cashapp has locked/blocked my account multiples times Ive lost out on XXXX  of dollars due to this and not being able to reach out to a REAL, LIVE representative explaining to me why its being locked and refunding my money. I have filed multiple disputes and never have gotten any of my claims refunded.

Im not sure of exact dates because everytime my account was locked I wasnt able to use cashapp again so I uninstalled the app and not being able to access my old account due to changing my number because of LOCKED account XXXX XXXX  and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF ED/NELNET- Account numbers XXXX and XXXX are reporting inaccurate on my credit report. 

I completed the Rehabilitation Program and ALL default is to be removed from my credit file. These accounts are still reporting delinquencies. Theses errors need to be corrected right away or delete these accounts off my credit reports.
Product: Mortgage

I am filing this complaint to the CFPB in hopes you can help investigate the illegal foreclosure proceedings and Dual Tracking of foreclosure that occurred on my family home on XX/XX/XXXX. 

Our Mortgage with PHH has been foreclosed upon while we were working with PHH on Home Retention options for Loan Assumption/ Loan Modification. Prior to the foreclosure we had been submitting all the required documents they asked and had assured us the foreclosure on our home was all Postponed and that foreclosure would not continue but in XX/XX/XXXX PHH went ahead and still foreclosed on our home while under review. 

Prior to XX/XX/XXXX we had made multiple payments to PHH and brought the loan current leaving no balance owed ( I have attached the Proof of payments Paid to PHH ) but PHH refused to apply the funds to the account and failed to stop the foreclosure. 



After the foreclosure we have been in communication with PHH, XXXX XXXX and their Attorneys XXXX Trustee- The Trustee XXXX has not been helpful and they have stated there job has been completed and for all future communication to reach out to PHH , when we call PHH there is no SPOC assigned and are not able to give us any information, we have tried numerous time to talk with the REO department, Loss Mitigation and have even escalated the issue to a Supervisor with no luck. This loan is a 6 Month redemption period, and the time frame expires XX/XX/XXXX. 



PHH is in violations of Dual Tracking laws of Foreclosure, Negligence and Failure to perform while an account is in active Loss Mitigation review and while they have been accepting payments to the account. 



We hope to have the foreclosure rescinded back to our name so we can continue to work with PHH to resolve this issue. As well if we can get a SPOC assigned to this case, the problem when dealing with PHH we where only able to talk with agents in XXXX that are not licensed and do not understand my problem.
Product: Payday loan, title loan, or personal loan

I was buying a bulk of groceries through XXXX XXXX app and decided to use Citizens Pay as I didn't have the full amount to pay up front. When I went to check out and my order was ready I realized the order was in a different state ( XXXX ) when I live in XXXX. I called the XXXX XXXX 's and advised them if they can cancel the order since there will be no way for me to pick up a different order in a different state. They canceled the products and I have proof on my app showing this. I have called both XXXX XXXX and Citizens to get this issue resolved for 2 months now because this incident occurred XX/XX/2023. I have a case for XXXXXXXX XXXX XXXXXXXX and a escalated case for XXXXXXXX XXXX XXXXXXXX. The last I heard and keep hearing from both companies is that this will be fixed. The fine line print for XXXX is 3-5 business days to receive back my credit or refund on card if used by card. I have received nothing and citizens bank credit line back to par. This has damaged my credit by XXXX points and regret to say has been a terrible problem and has yet to be fixed. My total order for this was {$310.00} and to this very day is still showing I owe this amount. I have reached my limit of patience of this getting resolved and have no were to turn to because I am not receiving any answers for this to be resolved.
Product: Mortgage

I have already tried to get my money back from XXXX XXXX but have not gotten any as of yet. My real complaint is against Nationstar Mortgage. They are not really trying to work with me on my mortgage modification. They are using things I do not understand to turn me down and when they do send me a modification it is less than 50 dollars from what I am paying now. I have filled out several modifications and none have been successful.
Product: Credit reporting

I had a name change in  XXXX    XXXX   along with the name associated with my social security number. I recently applied for a loan for a used vehicle and was told I have  XXXX  credit despite 3 years of unmissed payments on my previous car. Apparently, my credit history from my former name was not transferred forward with the updated name. I need this changed as soon as possible.
Product: Debt collection

I am in the process of purchasing a home and found this on my credit. I have never had a XXXX  account and called to explain that but was not given proof. I have never had this account.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I did transfer to XXXX LTC now worth over $ 180K from coinbase to my Ledger wallet, Coinbase time frame is 3 business days, today is the XX/XX/XXXX and trx still showing pending. I tried to contact their support 5 times but of course for scam company no one responds! I think this company does n't have the coins it claims to have on their platform, they use consumer money to make money then who knows if they file bankruptcy and XXXX the consumer in the XXXX! 
Case ID : XXXX Created : XX/XX/XXXX XXXX PSTTransfer ID : XXXX Sent to address : XXXX
Product: Credit card or prepaid card

I have got a consumer credit at XXXX XXXX on XX/XX/XXXX for purchasing a dishwasher and received my credit card from Citi affiliated with XXXX XXXX. The deal includes 0 % interest rate if the credit is paid within 6 months ( expires on the end of XX/XX/XXXX ). 
Almost every month when I attempt to make the credit payment I can not access my account- my credentials stop working and account is getting blocked. I'm using a password XXXX software, so there's no way I could make mistake when entering my credentials. Every time I spend an hour with XXXX XXXX customer service in order to get my account access back which they fail to do and they end up deleting my account and creating it from the scratch. Every time I reported to customer service that this is repeating issue and they failed to fix it. Today XX/XX/XXXX and I'm attempting to make my last payment and again I can not access my account and have to spend an hour again in order to get access back and make the payment. Considering the repeating nature of the issue and failure to fix it, it definitely looks that Home Depot credit department is doing this on purpose in order to trick customers into late payments and paying interest. This negligence from XXXX XXXX side looks to me like a fraudulent activity, which I would like to report. 
Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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
Product: Credit reporting or other personal consumer reports

I hope this email finds you well. I am writing to follow up on my previous communications regarding the removal of fraudulent items from my credit report. This marks the numerous formal attempt to address this critical matter. 

Despite my persistent efforts and numerous requests, the fraudulent transactions remain unresolved, causing significant distress and affecting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXXXXXX XXXX  XXXX ; XXXX XXXX XXXX  XX/XX/2024 ; XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX OK XXXX ; XXXX XX/XX/2024 ; XXXX XX/XX/2024.
Product: Credit card or prepaid card

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This company is currently showing 30 days late for the month of XX/XX/2021 and 60 days late for the month of XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction This account is showing inaccurate information on my credit report
Product: Credit reporting

My FICO score changed drastically when I viewd the score after making a payment. It stated I had a collection, etc. I printed a Experian free report the number is listed as my dispute case number. Well this report showed no late payments no collections no public records but my FICO went from XXXX to XXXX and I need help in correcting this because all XXXX agencies are doing this and I can not put a stop to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The 3 Bureaus Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct reasonable reinvestigation of disputed information on my credit repor, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Equifax, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumer of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifaxs inaction violates federal law and my rights as a consumer.
Product: Debt collection

major finance is the company on my credit report i never opened this account it reporting as a late payment i never authorize this account i was a victim of theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that Transunion send the documents they have on file that proves the validity of the accounts. If Transunion is unable to provide substantial proof of verification I would like the inaccurate and unverified accounts to be deleted immediately
Product: Debt collection

I received a notice of bank levy from XXXX XXXX XXXX as trustee regarding a default judgment or guarantor of XXXX XXXX XXXX installment loan. No dates are listed in the document.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Card Dpt EdXXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Product: Credit reporting, credit repair services, or other personal consumer reports

i kept getting bills for these i did n't buy and in XXXX and XXXX and i contacted the company and they told me not to worry but yet put me into collections