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

My Citi Bank account has been locked for the past two months, resulting in a complete loss of access to my funds of XXXX XXXX This situation has caused me substantial financial and personal distress, as I have been unable to manage my regular expenses, pay bills, or access my checking. 


Attempts to Resolve : I have contacted Citi Banks customer service multiple times and visited my local branch, but unfortunately, the issue persists. I have tried my best to follow the instructions of waiting for the re-verification letters. However, this letter is never delivered to my place. They continued saying that this letter was the only way that I could unblock my account. I have requested to resent the letter many times, but I still haven't received this letter for two months. 


Impact : Financial Stress : I have incurred late fees on bills and home loan obligations due to the inability to access my funds. 
Personal Distress : The uncertainty and lack of access to my finances have caused significant stress and inconvenience. 
Lack of Communication : The responses from customer service have been inadequate, and I have not been provided with a clear timeline for resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in several documents about identity theft and inaccurate information being reported to all the bureaus XXXX, Experian, and XXXX. All companies have not fully complied with the Fair Credit Reporting Act and it is disturbing me that I have requested verification and validation of whom the reporting agent is to the fraudulent accounts. Student loans accounts totaling up to $ XXXX do not belong to me as I have not had any financial obligation to a loan from any school whatsoever. I mailed in documents identity theft affidavits, other agencies that made claims of a debt that I have not saw any validation from the bureaus to confirm anything attaching me to a contract or a actual debt I owe. I began disputing this information in 2017 and still have not had success clearing up this fraud that is giving me nothing but problems. I have faxed over documents to XXXX several times within the last 5 months. The only company that has almost complied is XXXX, every other company has not done there job to report information accurately.
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. 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 XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA is still reporting to my credit negatively after 7 years
Product: Credit reporting or other personal consumer reports

Kindly see the attached documents in regards to the inquiries that doesn't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act LANIER COLLECTION AGENCY # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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.
Product: Student loan

Mohela has given me the runaround on the XXXX program. I contacted them at least a year and a half ago to see what my eligibility was when XXXX XXXX opened up the program and they began processing my student loans. Having worked at a XXXX XXXX non-profit since XXXX, I qualified for the program and in XX/XX/XXXX they verified XXXX out of XXXX qualifying payments. 

The tally sat at XXXX for months despite qualifying payments racking up on the Mohela website, lacking only certification of my employment. At that point, I followed up and was told it just took time to process. 

After not seeing any progress or hearing any updates from them, I called back again to check on it and this time was told I needed to resubmit the paperwork to verify that my employment hadn't changed. Despite the inconvenience in having to go back to my supervisor to get her signature again, I did so and uploaded the signed form to their website. 

It's now been XXXX months since I resubmitted the paperwork, but they started sending me notifications that I needed to start paying my student loans again, all of which should be completely forgiven. I called again to see why my employment still hadn't been certified and was told it was because they couldn't accept a digital signature from my employer, which they never bothered to relay after I submitted it. So now I'm forced to go back to my employer yet again to either have her physically sign a document that will hopefully be accepted or sign up for the XXXX help tool so it can be done digitally. 

These unnecessary obstacles seemed designed to wear down borrowers, making people so tired of jumping through hoops that they simply give up and make payments they don't need to make out of sheer exhaustion and fear of being dinged on their credit. It's unacceptable, unscrupulous, and I believe intentional. It should be simple to verify the place of employment for those with student loans. 

Rather than getting relief from inherently predatory loans designed to keep people shackled to them for decades, I and many others in the same boat have simply been rerouted to what appears to be another predatory lender. Instead of acting in good faith to carry out what the current administration required, Mohela has opted to use shady business practices to wait until student loan payments resumed in hopes they could siphon more money out of borrowers ' pockets. 

If Mohela is unwilling or unable to comply with the edict to give borrowers the prescribed relief, perhaps they shouldn't be in the student loan business.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and notice that i have some hard inquiries that i did not authorize. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting

MIDLAND FUNDING HAS A XXXX ACCT THAT I USED TO HAVE. THE ACCOUNT WAS PAID IN FULL AND THE NUMBER WAS TRANSFERRED TO XXXX - I HAVE ALREASDY CONTACT THEM IN REFERENCE TO THIS MATTER AND THEY TOLD ME IT WOULD BE ROMOVED FROM CBR. HOWEVER AS OF XXXX XXXX, 2015 IT IS STILL THERE EVEN AFTER I RECEIVED A LETTER STATING THAT IT WAS TAKEN CARE OF. I HAVE MOVED XXXX SINCE THEN AND DO NOT HAVE THE CORRESPONDENCE NOW. YET THIS IS HURTING MY CREDIT SCORE. NOT TO MENTION I HAVE NOT RECEIVED ANYTHING ABOUT THE BILL SINCE.
Product: Debt collection

Nothing under the Fair Credit Reporting Act require a furnisher to furnish negative information to any consumer reporting agencies. The term negative information means information concerning a consumer delinquencies late payments insolvency or and form of default. The term non-public personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer. Congress stated results from any transaction with the consumer so sharing non-public personal information to the consumer reporting agencies such as late payments you are in violation .Furnishing negative information is a violation of the consumer credit protection act. You are only furnishing this negative information because your company policies allow you to use unlawful extortionate means to coerce a consumer to make payments on extension of credit. No negative information should be furnished to a consumer credit report without their lawful authority. You are committing unlawful extortionate means such as furnishing nonpublic personal information i.e late payments charge off etc Capital One you can get 20 years for violating 18 u.s.c. 894. Capital One remove all late payments immediately
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XX/XX/XXXX
Product: Debt collection

My bank capital one has fail to give me proper notice that they were offsetting out account .This was for a claim that they said that vendor never gave back to the bank back in may and this claim was closed with approval letting that I was sent. The vendor told me they have given the money back. The bank gave me a letter in the mail the day of taken away fund. No proper notice was given to comply. I did n't receive the letter until the day of fund being recalled. They have now caused us a financial hardship. I have spoke with several reps in the company and they have slander and taken away more money that my bills are needing for living. I have XXXX children and me and my husband we are now facing a financial hardship. They have reluctantly stop me from recovery of fund and have slander many of time. This is not a place that we trust. Were in process of transferring banks.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an alleged late payment reported on my account. This late payment was reported by XXXX XXXX XXXX XXXX - Account # XXXX to XXXXTransUnion and XXXX, and I believe that this entry is inaccurate. The payment in question is identified as " late '', but i do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Repoting Act ( FCRA ) and related laws. Legal Basis for Dispute : Under 15 U.S Code 1681a ( 2 ), the term " consumer report '' does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself and XXXX XXXX XXXX XXXX regarding this account should not be included in my consumer credit. 15 U.S. Codes 1681a ( 2 ) ( A ) ( i ), 1666b, and 1637 ( b ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report. Request for Action : If XXXX XXXX XXXX XXXX can not provide the necessary proof of mailing or deliverry of the required information. I request that this late payments be deleted from my credit report. Faliure to do so will be considered a violation of 15 U.S Code 1681s-2, which prohibits the reporting of inaccurate or unverifiable information. I respectfully request that you take appropriate action to remove this inaccurate late payment entry from my credit report within 10 calendar days of recieving this notice. Late Payments in Question Charge Off XX/XX/year> Thank you for your promptattention to this matter. I look forward to your response and information that they disputed late payment entry has been removed.
Product: Money transfer, virtual currency, or money service

My girlfriend sent me {$5000.00} on XX/XX/XXXX using Paypal to help pay for some work we are having done on our house. I tried to send the money from my PayPal account to my bank but was declined by PayPal. I tried to call PayPal to get the issue resolved but was unable to speak with anyone. I then tried to use the chat but have not been succesful in getting my issue resolved. Because of the way the chat works you send a message and someone answers a few hours later which makes it impossible to get anywhere. My communication has streched over 6 days and I stil l dont have access to my funds. First they suggested I withdraw the money in smaller amounts which really does me no good becuase I needed the money in a timely fashion. I tried to withdraw a smaller amount and have the money sent to my bank but was declined. Then I tried withdrawing a smaller amount using a card and was successful but this menthod has fews associated with it that the other method does not. Also the amount I could withdraw was a fraction of what I needed. Then they told me to set up a 'Cash Account ' and try to withdraw the money which I did and then was still unable to withdraw the money. They then got a specialist for me who told me to refund the money back to my girlfriend. I tried to do that and was unsuccessful because my bank declined with insufficient funds, although why I need any funds from my bank I dont know. All I am trying to do is refund the money that was sent to me. At this point I dont know what to do because Im afraid to cancel the refund or to try to withdraw the money again beause I dont want to be charged any additional fees. The most frustrating part is there is no one to call to resolve this I just keep getting a chat bot on the website. and I have been without access to my money for 6 days now.
Product: Credit reporting or other personal consumer reports

Transunion has been reporting inaccurate information to my report for years dating back to XXXX. In addition to these inaccuracies, I was affected by the settlement involving the FTC tenant screening and reporting of inaccurate information that was announced last month XX/XX/XXXX. In addition to this, there are accounts till reporting that have not been verified. 

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

This is my second complaint on consumerfinance.gov regarding this issue. I sent dispute letters to the credit reporting bureaus in the past and again in XXXX and XXXX disputing information that is inaccurate and not mine on my credit report but they are still updating the account and leaving it on my report. I sent 609 letters letting them know the accounts are inaccurate and to please provide statements and records of all payments made and missed since I opened those accounts but they have not. There are some accounts that are charged off but accounts has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. This also falsely manipulates the statute of limitations.

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below.
According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXXXXXX Bank account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX CO XXXX account # XXXX, XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX CO XXXX account # XXXX, XXXX CO XXXX account XXXX XXXX XXXXas 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, credit repair services, or other personal consumer reports

Accounts need to be remove immediately does not belong to me
Product: Credit reporting

I disputed XXXX accounts with Transunion credit bureau that were obviously placed in my credit file in error. I received an updated credit report dated XX/XX/2017 that advised me that XXXX Ref # XXXX was deleted and XXXX Acct # XXXX was also deleted the information also showed it was deleted from viewing my account in credit check total. 

Now today a little over a month later both accounts have be re-inserted to my credit which has caused my credit score to drop and ruined my chances of having a loan that i had applied for being finalized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a credit application with XXXX XXXX XXXX XXXX credit card which is evaluated by XXXX XXXX XXXX. I received a letter stating they were unable to approve my application at this time for the following reason. Inability to verify your previous credit experience and as of XX/XX/ my credit score was unable to be calculated through Equifax. 
I reached out to Equifax and my credit report is available along with my credit score. I would like to take adverse action on this since I was evaluated and a decision was made without a proper evaluations from the credit bureau or XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. The items below should all be updated as agreed on in my consumer report. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$300.00} XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$75.00} XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$30.00}
Product: Credit card

I had an alert on my XXXX credit report on XX/XX/year>. I called the company JPMCB Card Services at XXXX and i had explained to them that it was not me but did not get more information than that they were going to canceled the inquiry. and that they were going to send the confirmation by mail which it was weird how they opened an account without any mailing address. on XX/XX/year>, i had another hard inquiry alert on the same company chase credit card services. I have never applied for any credit card services.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account # XXXX with 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: Bank account or service

I received a money order for a piece of art. I took it to my bank and they told me the check was good and I would have access the next day. 5 days later they withdrew the money from my account and said the money order was a forgery. I expected my bank in this day and age to know a forgery and let me know before they made the money available to me. The last thing I expected was 5 days later to be told it was a forgery. I had been with this bank for 12 years. It was their responsibility.
Product: Debt collection

I received a past due notice dated XX/XX/XXXX for an outstanding balance of {$570.00} identified as Item # XXXX by Ace Cash Express. Contact info in XXXX XXXX, FL XXXX. Company address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Original loan amount {$550.00}. Origination date XX/XX/XXXX. I never took or received this loan. I have contacted the company and requested that they erase the false debt from my name.
Product: Credit reporting or other personal consumer reports

I have disputed with Experian for months and they are still reporting errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is has been showing on my consumer credit reports as a charge-off for XXXX  years plus. Ive been trying to dispute this issue for XXXX  years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a XXXX. They can't charge it off then report it to IRS. Furthermore, ( XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Product: Debt collection

Upon reviewing Consumer Financial Protection Bureau ( CFPB ) Complaint ID XXXX. 
I, XXXX XXXX, an federally protected consumer, dated on XX/XX/2022 am aware that this company Consumer Adjustment Company Inc ( CACi ) are in violation of HIPAA. Criminal Penalties for HIPAA Violations, The minimum fine for willful violations of HIPAA Rules is {$50000.00}. The maximum criminal penalty for a HIPAA violation by an individual is {$250000.00}. Restitution may also need to be paid to the victims. I am demanding remedy for each violation. Consumer Adjustment Company Inc ( CACi ) will be held accountable.
Product: Bank account or service

Wells Fargo allow multiple fraudulent chargton my account and refuse to handle the matter approiate legal manner wells Fargo allow my identity to be breach by these fraudulent charges with are still remaing on my account as today. Wells fargo is inteniinally trying to cause me some type of harm by leaving these fraudulent charges on my account if it not wells Fargo it 's self committing these fraudulent charges on my account!!
Product: Debt collection

IC systems is attempting to collect a past due amount on a PRE PAID XXXX  ( XXXX  XXXX  ) account. There was no contract on said account. IC Systems put 120 day delinquency on my credit rating