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

I opened a Citibank interest checking account on XXXX XXXX, 2016 and deposited {$15000.00} into that account from by CIT Bank savings account on XXXX XXXX, 2016. I received checks for the account about a week later. On XXXX XXXX, 2016, XXXX cents of interest was deposited into the account. Today, XXXX XXXX, 2016, I logged into my account to find that the account was closed and that all of my money was gone. When I called Citibank, they refused to give me any information except to say that I would need to speak with an account specialist and that account specialists are not available on Sundays. When I pressed the representative, she told me all of the money had been withdrawn from my account by the back office. I have received no communication from Citibank whatsoever and now I will be forced to take time from work to determine what happened to my funds. As far as I am concerned, my funds have been STOLEN. DO NOT DO BUSINESS WITH CITIBANK! THEY ARE AS DISHONEST AS XXXX XXXX!!
Product: Credit reporting or other personal consumer reports

I have been dealing with this check and go collections for years this account has been paid in full i have submitted all the proof i have filed two complaints with you on XX/XX/2023 and it was resolved now the same collections is showing up again with a different collection 's agency - shouldn't Experian know that it's already been resolved this is ridiculous - Can you please help me resolve this again. 
prior complaints- XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a medical collection on my credit report that isn't mine. Please remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a copy of my complaint to this portal highlighting all of the inaccuracies along with a copy of my identification, credit report, and inconsistencies that Equifax is publishing. Equifax consistently VERIFIES inaccurate information which is illegal. I am proving that Equifax is not legally verifying any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed Equifax on or about XX/XX/2018 of unauthorized inquiries existing on my credit report and requested that they investigate and provide me with evidence of " permissible purpose '' of the items being disputed and that if evidence of " permissible purpose '' was not available, then they should delete the items from my credit report.. Equifax responded on or about XX/XX/2018 and informed me that the inquiries were a part of the " factual record '' and that they would remain on my credit report despite their inability to provide me with evidence of " permissible purpose ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Amount : {$25000.00} Action Taking by Certified mail
Product: Consumer Loan

I 've had a loan since XXXX XXXX with XXXX, now Springleaf.. 

Last month they failed to withdraw the regularly scheduled payment and sent me an e-mail saying I needed to contact them about an important matter regarding my account. The e-mail was sent on XXXX XXXX, XXXX. 

I called, not knowing what the problem could be. I was told by a customer service agent that I did not make my payment for the month of XXXX ( which is normally withdrawn by automatic payment on the XXXX of each month. ) I asked how and why this happened and was made to feel that I was at fault. I asked to speak to a manager. I spoke with XXXX XXXX XXXX and he proceeded to tell me the same thing as the customer service rep. They both indicated that payment had been sent to my bank, and the bank told them there was no account with the number they submitted. I asked what changed since the beginning of the loan, we have never had any such issues previously. He finally admitted that they had made an error on their end, but still proceeded to make me feel it was my fault. He asked for a number to call me back later that evening after he could do some investigating, but I never received a call from anyone & have not til this day. About two days later I received a letter ( dated XXXX XXXX ) addressing me as if I had failed to make payment. A couple of days later, I received a bill indicating I had a missed payment. When speaking with them on the phone I asked why I had n't been contacted by them prior to this conversation, I was asked why I called them. I told them because I received an e-mail. I told them if there was an issue, why did n't you contact me in XXXX, not a month later. 

My question is should n't they have to cover that payment since they made the error? I have n't changed anything on my end since the beginning of the loan. They are now saying that I owe a double payment. I 'm currently waiting to see if the XXXX payment comes out of my account. 

What could be the reason that they changed my information and evidently put the account number down incorrectly. He kept saying they are now doing " direct pay '' and if that means I need to be sure to get the payment to them, why did they not ask me to set that up? 

I hope you can provide some light on this issue, so I will know my rights. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

It is the Credit Reporting agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. XXXX, Transunion and XXXX are reporting XXXX inaccurate late payment for the XXXX XXXX XXXX XXXX with the account number XXXX. This includes late payment ( s ) 60 days from XX/XX/2017. This is incorrect and supposed to be reported as Paid as Agreed. Furthermore, pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person ( s ) making the report. A transaction constitutes these late payments resulting in Transunion, XXXX and XXXX in violating my Federally protected rights. To add to this, I did not give ( Credit Bureau ) written instruction/permission to furnish these inaccurate late payment ( s ) on my consumer report of file, thus violating 15 U.S.C. 1681 b ( a ) ( 2 ). It is clear that Transunion, XXXX and XXXX have violated my Federally protected rights under the FCRA and the inaccurate reporting is causing me undue hardship and my reputation severe harm and discrimination.
Product: Bank account or service

consumer stated that her complaint is against Wells Fargo for not refusing to open a business account for her
Product: Mortgage

I am writing to request your help in resolving an issue I am experiencing with my current mortgage servicer, Truist Mortgage. I have spoken with countless associates, managers, etc., over the prior 6+ months to no resolve. My initial request of PMI ( Private Mortgage Insurance ) removal that began in XXXX of XXXX has brought to light multiple irregularities within my account ; 1. Mortgage Payment History - Truist Mortgage has numerously denied my petition for the removing of the PMI from my mortgage citing the following, " The investor of my loan XXXX, requires a borrower ( s ) to make 3 consecutive payments on their mortgage following a XXXX  XXXX related payment deferral or modification '' ( Letter included ). And while I did enter a " XXXX XXXX payment deferral program '', it span from XX/XX/XXXX to XX/XX/XXXX. I then made XXXX ( XXXX ) trial payments from XXXX to XX/XX/XXXX. Afterwards, I accepted a new loan modification that began XX/XX/XXXX ( Copy of the Note included ). All subsequent payments since have been made on-time. Therefore, the denial reason Truist Mortgages is using can not be accurate or valid. I say this as I have made 15+ payments since my deferral ended as of today. Additionally, many of the associates I have spoken with at Truist Mortgage all claim to see an unidentified payment or credit made to my account in XXXX of XXXX that exceeds $ XXXX within their system. Everyone also claims this payment or credit brought my account current somehow. However, no one can source where it came from exactly. I advised them these funds did not come from me and must be an error on their end. To which, they do not believe is possible. 

2. Mortgage Loan Balance - Over the prior 6 to 8 months Truist Mortgage has repeatedly reported the balance of my mortgage to all credit bureaus with significant differences each month. As a result of this, my XXXX rating has suffered tremendously. I personally feel this violates the Fair Credit Act. Another issue Truist Mortgage believes can not be true.
Product: Payday loan, title loan, or personal loan

I'm writing a formal complaint against NetCredit due to failure to comply with my request to receive a transaction statement. On XX/XX/2019, I sent a written request for a transaction statement to show how my payments were applied towards principal and interest. NetCredit emailed me a copy of my payment history, nothing detailed of how my payments were applied. I spoke with several representatives who advised me my balance had increased due to interest incurring daily. I had this loan with NetCredit for a year at a payment of {$160.00}, which was automatically drafted from my checking account bi-weekly. As of today, my balance due is {$7000.00}. 

NetCredit has failed to supply me with a detailed transaction statement showing me why my balance is steadily increasing and failed to provide me with a breakdown of how the interest of 59 %, came to a payment of {$160.00}. NetCredit has not been transparent about the usury interest cap allowed for non-bank lenders outside of Georgia. I have a credit score of XXXX and NetCredit, still has me at an interest rate of 59 % for a loan amount of {$6000.00} with expectations of me paying back over {$21000.00}. NetCredit interest rate is higher than 59 %, which is not allowed in Georgia, and a violation of the usury law. I was provided an amortization schedule that shows different amounts from dates I've paid through ACH. 
As a consumer, NetCredit has provided inadequate and false loan terms and provided me a negative amortization schedule knowing the loan payment was too small to cover the interest which, is adding to the unpaid principal balance. Upon my research on NetCredit, I question if NetCredit is licensed to do business legitimately in Georgia. NetCredit has geared up to perform unfair and deceptive lending practices on consumers in Georgia.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XXXX to XXXX, XXXX, Equifax and XXXX here is my tracking number : XXXX however the credit bureaus said the completed the investigation and everything was 100 % accurate According to the law 15 U.S code section 1681a Definition rules of construction the term investigate 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. I would like to know who did they talk to and how did they complete this investigation
Product: Student loan

I 'm enrolled in the PSLF program and what I was told was an eligible loan. As it happens, a few years ago I was told the same thing and found out after the fact that the {$6000.00} in payments I made that year effectively went straight down the drain. Every time I re-enroll I get someone on the phone and ensure that I 'm in an eligible plan. I just got an email saying that the plan I 'm actively enrolled in is n't eligible for PSLF, again, despite the fact that once again I called to verify that it was eligible. How is this legal? How can they devise a system where only is in not clear to the user whether or not a particular plan is eligible because of their labyrinthine application process and vague terminology, but their own employees do n't even know the ins and outs? We 're talking potentially upwards of {$12000.00} from me alone that is essentially evaporating into space. HOW IS THIS LEGAL? I did everything right. If this was a private company they would have been sued into oblivion and forced to close. What can be done about this? It 's so blatant.
Product: Money transfer, virtual currency, or money service

I sent money to an account that was closed and I was trying to retrieve my money back and they were not compliant or helpful. {$2600.00} USD
Product: Debt collection

I have been paying back my medical bills and noticed they are putting charges for my relatives on my account. They have put charges on my account for both of my siblings and I have contacted them four times over this by phone and over their customer support. Two times I never got responses back and the other two times I was told they would look at the case with a supervisor. This has been happening over several months and it is still not corrected and they keep contacting me for repayment of these depts that are not mine.
Product: Credit reporting or other personal consumer reports

I am writing to express my disappointment and frustration regarding the second attempt to remove the fraudulent items from my account. As you are aware, I previously lodged a complaint regarding unauthorized charges on my account, and despite assurances that the issue would be promptly resolved, the problem persists. 

I formally brought to your attention the unauthorized transactions that appeared on my account statement. Despite the initial assurances of resolution, the fraudulent items were not adequately addressed, and they continue to appear on subsequent statements. 

I understand that resolving such matters can be complex, but I am deeply dissatisfied with the lack of progress and the inconvenience this situation has caused me. Not only have I had to spend valuable time contacting your company to rectify this issue, but I have also incurred financial losses as a result of these unauthorized charges. 

I urge you to take immediate action to thoroughly investigate and resolve this matter. I expect a full refund of the fraudulent charges and a comprehensive review of your security protocols to prevent such occurrences in the future. Additionally, I request compensation for the time and inconvenience I have experienced due to this ongoing issue. 

Please provide me with a detailed plan of action and a timeline for resolution. I expect a prompt response to this complaint and assurance that appropriate measures are being taken to address the underlying issues causing these unauthorized transactions. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX.
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. 

XXXX XXXX XXXX XXXX XXXX The account does not belong to me XXXX XXXX XXXX XXXXXXXX The account does not belong to me XXXX XXXX XXXX XXXXXXXX The account does not belong to me XXXX XXXX XXXX XXXX account does not belong to me XXXX XXXXXXXX The account does not belong to me XXXX XXXX XXXXXXXX The account does not belong to me XXXX XXXX XXXX The account does not belong to me XXXX XXXX XXXX The account does not belong to me XXXX XXXX XXXX The account does not belong to me XXXX XXXX XXXX The account does not belong to me 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 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 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`
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. 


CLOSED ACCOUNTS : 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: Checking or savings account

I use the service digit to help me manage my savings. Its linked to my PNC checking account, I recently forgot my password to that account and locked myself out, now I am unable to restore the connection between my bank and digit because its saying that PNC no longer allows this. I have money in my digit savings account that I now dont have access to
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX  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 XXXX. 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 XXXX  more than 21 times. XXXX 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for all these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On : XX/XX/2019 a call was made to experian regarding my credit freeze to my credit report and I spoke with XXXX of experian in XXXX XXXX who told me that I had just frozen my credit with Experian corporation , I told him that I did not and he said when you called in you just did that. I only called the number for experian and followed the prompts to reach a representative to discuss the circumstances which EXPERIAN REFUSES TO REVERT BACK TO a free credit report, available to all companies/entities requesting my credit level which is about XXXX to XXXX and that has been my credit for over sixty years with out a freeze being in place on any agency for credit reporting. AGAIN, today I call experian through their corporate operator and reached a manager of experian named : XXXX, he told me that in my call AGAIN, THAT I had frozen my credit again today XX/XX/2019. I said again " I did not " he said yes you did, I tried to understand by how calling them to speak to someone regarding a freeze, could someone put a freeze on there account? all I got was, " well that's what you just did ''. I have tried to understand how this all could have been done? But I am upset because to purchase ANYTHING, I CAN NOT because my credit has been frozen ... 
I do not EVER WANT MY CREDIT FROZEN AGAIN PERIOD. I respectfully request that they honor my request for them to PERMANENTLY REMOVE ANY AND ALL FREEZES TO MY CREDIT IN THEIR COMPANY AND TO CEASE AND DESIST THESE PRACTICES ... I want to thank you now for your assistance in this matter and I look forward to it being completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am following up on Complaint # XXXX submitted on XX/XX/XXXX. I reached out to the car dealership ( XXXX XXXX ) to which the car was traded in on XX/XX/XXXX, to get documentation showing when the final payment was sent. I am attaching a document I received from the dealership to show an XXXX Payment in the amount of {$4300.00} on XX/XX/XXXX. I believe this proves the payment should not be showing 30 days past due. I would like Capital One to remove or waive the 30 days late payment being reported to the credit bureaus. Some of the XXXX on Capital One 's website is still showing the XXXX payment as showing 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are reporting incorrectly a collection/chargeoff in the amount of {$4100.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had a lease with an apartment lease and lived in the unit for the full term of the lease. I provided proper notification well within the time allotted per the lease agreement to vacate and therefore there is no outstanding balance due and nothing to collect and/or chargeoff. I was not aware there were any issues and that this account had gone to collections until I obtained a most recent copy of my credit report. I have contacted the bureaus and XXXX XXXX XXXX to fix this however, I have not been successful. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed.