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

Called again on the XX/XX/XXXX was identified twice on the call, was passed to the XXXX team. The XXXX team then informed me I had to go to the branch to be identified and that they had no record of my XXXX previous visits to the branch despite me having provided them with the dates. The XXXX team then said that they were transferring my call to another team. I tried to not be transferred but they did it anyway. When I was transferred it went to an automated switchboard that asked me to chose from options on why I was calling. When I pressed option XXXX, it said that the branch was closed and for me to try again and disconnected the call. That was XXXX. I called again and my identity was checked again. I informed the operator of the complaints I had made to citi and several regulators. they then put me on hold while they would check my account. After XXXX mins of being on the call they came back and passed me to another team. They asked me why I was calling to which I responded I was calling to unblock my account. They asked more security questions. I asked for their name XXXX and said they can not provide their last name. They asked me to logout and then login to verify my identity on the citi app. I verified it on the app and they acknowledged it. Then they put me on hold again to verify the account. Its been XXXX on the call. They again refer back to the letter and were going to send a new one. I refused this and they mentioned they understand but they insisted that I needed to wait for a new letter to be sent today. While I asked to speak to someone with the authority to understand the size of the problem they disconnected the call. This was after XXXX mins on the second call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for a company credit card at XXXX. American Express did a hard credit inquiry on my account without my knowledge or authorization, either written, verbal or implied. I contacted the credit bureau, they referred me to Amex, who ran me around for quite some time then told me that they could not remove it per policy. No last names were given. 

I spoke to a XXXX and an XXXX. 

XXXX, no last name was the supervisor who declined to discuss it with me or even come on the line.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix my credit report for a while now. I believe I am a victim of identity theft. When my credit was pulled 2 years ago ( 2017 or so ) there was a lot of misinformation. The report actually showed that I was deceased. I am very much alive. So, I contacted XXXX and sent in my information by mail, and not only was my issue never resolved but no one ever contacted me. When I called in to check on the status of the credit report errors, I was informed that they hadn't received anything by mail. And so, I'm stuck with the same issue. My SSN is not recognized by XXXX, XXXX XXXX, or any of the credit bureaus. I can not check my credit report.
Product: Credit card or prepaid card

see attatched XX/XX/2019 Statement. Ms XXXX Exec Resolutions Dept Confirms {$2.00}, XXXX USAA CREDITS PROVIDED TIMELY. SO I MUST TAKE HER WORD AS TRUTH. {$2600.00} USAA CREDITS WERE PROVIDED XX/XX/2019 and After careful numerous reviews ALL INTERNAL CALCULATIONS ARE CORRECT. There is a Serious Accounting ERROR USAA DISMISSES. Kindlly Note {$2.00}, XXXX USAA TEMP OTHER CREDITS plus + {$910.00} TOTAL CREDITS MERCHANTS= {$3600.00} EARNED CREDITS. IN MY FAVOR. Ms. XXXX Confirmed New Purchases XX/XX/2019 total {$860.00} plus + Previous Balance {$1.00}, XXXX = $ {$1.00}, XXXX DEBITS EARNED XX/XX/2019. {$3.00}, XXXX CREDITS EARNED XX/XX/2019 ( - minus ) {$1.00}, XXXX DEBITS EARNED. ( BALANCE XX/XX/2019 IS THEN ( - ) *** ( MINUS - {$1600.00} ) *** Statement Balance Calculated by USAA Ms XXXX in Exec Resolutions Department {$960.00} IS NOT ACCURATE ACCOUNTING ** MY BALNCE XX/XX/2019 CLEARLY IS $ - XXXX XXXX
Product: Credit card or prepaid card

I have a combination debit/credit card issued by my financial institution, TD bank where I have XXXX accounts since XXXX. 
During the entire month of XXXX, XXXX I was hospitalized for a XXXX XXXX XXXX XXXX XXXX XXXX. On the XXXX XXXX  XXXX I went online to check the status of my accounts and discovered numerous unauthorized purchases from XX/XX/XXXX to XX/XX/XXXX made with the credit capability of my debit card and deducted from my checking account by TD bank. That is when I realized my card had gone missing whereupon I called TD and reported the card missing, had that card canceled, requested a new one and began the dispute process. I waited a few days and checked my accounts and saw I had been issued provisional credit for those charges. When I was released from the hospital on XX/XX/XXXX I checked my accounts again to discover my dispute had been denied on the grounds that I had either charged the items myself or had authorized someone else to. That is ludicrous! I was stuck in a hospital bed in XXXX, NJ, while these charges were made from XXXX to XXXX and XXXX New York! I'm now told by customer service that if I officially lodge a dispute a 3rd time and denied they will close the case. Please help.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$20000.00}, XXXX XXXX XXXX  Account XXXX XXXX date opened XX/XX/XXXX bal. {$17000.00}, XXXXXXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$13000.00}, XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXX bal. {$4600.00}, XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$940.00}, XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

My loan was transferred to Rushmore Loan Management company in XXXX, 2015. Prior to the transfer, my initial loan company had granted me a debt forgiveness of a significant amount. Rushmore, is currently modifying my loan based on my initial loan amount and totally ignoring the amount forgiving as well as payments I have made to reduce the principal balance on my loan. The modification offered is another 30 year mortgage with the principal balance equal to my original purchase price. This ignores 9 years of payments and the loan forgiveness by XXXX. This is clearly a breach of contract and is fraudulent.
Product: Debt collection

I received calls this company called Resolve Partners in XXXX NC I spoke to the male in the office he said so many harsh and unprofessional words to I asked to speck to his manger he said I could If I paid my freaking bill that I owe I tried to explain to him that I do n't owe this and that I applied for XXXX aprtments and I choose the other XXXX he said that I owe this amount and I better pay it. I reached out to my county court house and was told that it was a court hearing that I knew nothing about and that the judge only asked for the possession of the unit back not any money so I called the collection agency back and advised them of what I was told and offered to give them the proof that was given to me they declined and say you better off paying this we are n't going to remove from credit an they will do what they need to do to get this money and continued to call until I asked the attorney at my job to send them a letter and email and he did and they have stopped calling and he also sent them a letter to remove from my credit reports and they have continued to report me to all XXXX credit reports. I have never lived at this apartment complex and never had any utilities in my name there I choose my current apartment location instead and have proof and all my rental payments and utilities listed in my name. This company has given me so much stress and harassment and is ruining my credit. please, please please help me. Thanks in advance
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Against Experian for Inaccurate Reporting of Late Payments on Account XXXX Dear CFPB, I am writing to formally lodge a complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account associated with XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Despite multiple requests for correction, including letters dated XX/XX/year> and XX/XX/year>, my requests have been ignored, and no changes have been made to address the inaccuracies. This failure constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

FCRA Violations 15 U.S. Code 1681i : Requires that credit reporting agencies ensure the accuracy of information in consumer files. The failure to correct these inaccuracies after two formal disputes violates this mandate. 
15 U.S. Code 1666b : Creditors are obligated to send periodic statements at least 21 days before the payment due date. The inaccurate reporting suggests noncompliance. 
TILA Violations The Truth in Lending Act emphasizes the necessity of accurate disclosures to consumers. The inaccurate reporting of late payments has damaged my creditworthiness, causing undue harm. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act underscores the responsibility of creditors to provide timely statements to prevent unfair penalties, which has not been upheld in this case. 
Desired Resolution I formally request the following actions : Immediate removal of the late payment notation from my credit report for the account with XXXX XXXX XXXX. 
Written confirmation that the correction has been made. 
Failure to resolve this issue promptly will result in further escalation, including legal action and additional complaints filed with relevant oversight agencies. 
Thank you for your prompt attention to this matter. I look forward to your resolution within the legally required timeframe. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1200.00} Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I need this information to be completely deleted from my history because it is not mine, it XXXX  me
Product: Debt collection

Phoenix Financial Services LLC at XXXX XXXX XXXX, XXXX XXXX XXXX, IN XXXX has been sending me collection notices in the amount of ( {$830.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and found that Experian is illegally reporting incorrect information about me. The following alleged account is listed as a collection with a PAST DUE balance of {$20000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX This is a violation of FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. 

According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed. 

I demand you remove the inaccurate account immediately to avoid further persecution from the CFPB and Federal Trade Commission. Please send me an updated copy of the credit report showing your compliance with all FCRA and Metro 2 Reporting requirements. 

With Great Sincerity, XXXX XXXX
Product: Checking or savings account

I was a customer of Truist and I had checking account from Truist Bank. I filed a complaint for fraud transaction with Truist on and around XX/XX/2023. The charge was made by XXXX XXXX XXXX company and it was for {$380.00}. Truist refunded this charge back to my debit card after the initial investigation. However, after nearly 3 months, Truist took this charge back from my account. XXXX XXXX violated my trust and the law. I filed several complaints against XXXX XXXX and finally, we signed a settlement agreement. I can not disclose the settlement terms and the amount that they paid me due to confidentiality however, they acknowledged their error. On the other hand, Truist never acknowledged their error and they're still demanding this money from me. I closed my account and they are claiming that I owe them around {$60.00}. I demand {$380.00} from Truist. This was a charge made without my consent and approval. Truist should have protected my rights as I was their customer, however they sided with the business even though that business was on the wrong. 
Now, I have a negative mark in my credit report because of Truist just for {$60.00}. I have the right to seek compensation for the damages that this negative mark has caused to me and my business. I can not open a new checking account for my company due to this derogatory mark and it is affecting my income negatively. I can not operate my business without business checking account. If this issue is not resolved amicably, I will start legal battle against Truist.
Product: Student loan

I believe that I 've been mislead as to all of my repayment options while interest is still accruing. I 've called to speak with soneone several times only to get either hung up on or told that there was nothing else that they could do.
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. 

Account # XXXX ( Listed over 14x ) Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # # # # # # # XXXX Account # # # # # # # XXXX Account # # # # # # # XXXX Account # # # # # # # XXXX Account # # # # # # # XXXX Account # # # # # # XXXX Have violated my rights. 15 U.S.C 1681 ( a ) ( 4 ), FCRA section 602 A ) states I have the right to privacy. 15 U.S.C 1681b-a ( 2 ) ( 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 any other adverse item of information, other than records of conviction of crimes ( they may only report crimes, not debts ) which antedates the report by more than seven years. 15 U.S.C. 1981s-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 have disputed and requested verification of a Bankruptcy reporting on my credit report reporting inaccurately against me. I contacted XXXX, XXXX and Experian via mail and phone call. I was advised they verified the information with the courts. I have received a letter from the court that states that did NOT provide this information to the credit bureau so the credit bureau LIED about verification. I am aware that if the information was illegally obtained and not provided by the source they are stating the credit bureau is required to delete this information and they refuse to do so.
Product: Mortgage

I have been in a dispute with Citizens Bank of Citizens Financial Group since XX/XX/2023. It began when insurances were being wrongfully placed upon my mortgage with the origination date and amount of the mortgage also being incorrect. They would send a letter implementing the insurance, I would call about the error then receive a letter that it had been corrected however the origination date and loan amount would remain incorrect. After having this issue, multiple times, and wasting countless hours, trying to explain that there was an error in my account. I stopped payment on my mortgage to get attention raised for this issue they seemed to work for a short time, and I was told the issue would be looked into. I have asked for an itemized list of all payments made, and where it was applied to my interest in principal, and I have yet to get any response I want to ensure my payments were properly applied to my account and that the balance owed is accurate. I placed multiple phone calls to the office of the chairman at Citizens where I left voicemails that were never responded to. The last successful attempt I made to contact them I was told they would not speak directly to me since I had contacted legal counsel on this matter. Now I am locked out of my online portal. Can not get anyone to return my phone calls and XXXX facing foreclosure.
Product: Debt collection

XXXX and XXXX removed from my credit report. kia motors finance blocked experian from removing from my credit. ive reached out to kia and advised them to remove from my credit and to proof of debt validation and no one responded to any of my letters.
Product: Mortgage

59.7. Error resolution procedures. 



( 7 ) Failure to provide accurate information to a borrower regarding loss mitigation options and foreclosure, as required by XXXX ( relating to early intervention requirements for certain borrowers ). 



Numerous times in 2020 i emailed called many XXXX of MR cooper for a revised act XXXX  notice because i wasn't made aware of this safeguard until the later stages but ILL take full responsibility for this because we all Know you know who has a aversion to admitting anything So when i finally asked for a act XXXX  notice i kept getting a document dated in a previous year ( i get the logic that when it happened but you could have updated it and provided another date on it or attached an addendum a nice note ANYTHING to help when i was asking for assistance to have it reproduced or annotated to reflect this is a new situation ) WHAT LAW WOULD MR COOPER BREAK BY REPRODUICING IT for me again with a new effective date I mean the interest on the loan is still the same the principle FORCLOASURE CAN HAPPEN AT ANY POINT so WHO is hurting by not having this??? so i DONT get approved from a loan to save my house but I wasn't able to be qualified anyways since the document wasn't valid THANKS FOR CONTINUALLY REPRODUCING A REDUNDANT DOCUMENT MR COOPER
Product: Debt collection

This account was off my credit file and has now reappeared. The account reporting amount is incorrect there is no reported activity from my end, but each month the company is increasing or decreasing the amount to keep this account active. This is fraudulent activity on Midland Funding end and I would like this issue addressed. The amount owed is not accurate.