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

I opened this saving account with Citibank in XX/XX/XXXX, and I transferred XXXX dollars from my other bank accounts to this new account. And right after that, this new account was 'blocked ' from me and I could not get access to it. Then I immediatedly contacted Citi bank services by phone call, and their security department told me that my account has to be closed, but they refused to tell me the reason. And I was tole the fund in the account would be sent to me by check within 60 days. But after that I didn't receive the money or any further notifications. In stead, I still received account statements on paper every month. So I called Citibank service again, and told me the same again : they decided to close my account, and the fund will be sent to me within 60 days. Then I still didn't receive anything. I don't really remember how many times I have called, but the most recent one is in XX/XX/XXXX. Every time I call, they told me the same thing and they promised I would get my refund, but nothing happens after that. I still receive the paper statements, and the balance has not changed since I deposit the XXXX dollars. Now I even lost the access to my Citi bank credit card since it shares the same user info with the saving account.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX, XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX XXXX 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 these violations. 
XXXX
Product: Credit reporting or other personal consumer reports

I have made numerous attempts on investigations on this matter this company refuse to do there job blaming each other for inaccurate information on my credit file. I applied for A NEW credit card only to get denied into i verify my identity thought experian because experian have another person information on my credit file which is destroying my life. 
I attached all my documention I ask for my name correction they did a dispute i submitted then to reinsert it back on my credit file. Please hold these company accountable I submitted ALL the proof I need to fix this situation and it still not fix Experian even went as far as not inserting my credit card thats in my name on my credit file and removing my score ALL TOGETHER FROM INFORMATION XXXX IS PROVING.
Product: Debt collection

I recently obtain a copy of my credit report and notice fraudulent activities. I have provide a copy of my FTC report along with proof of ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 Citibank made a wire transfer on my behalf to a XXXX XXXX XXXX account which resulted to be fraudulent. The receiving bank ( XXXX XXXX XXXX ) suspected the account to be fraudulent and refused to accept the funds which were returned to Citibank. Citibank did not inform me that the transaction was suspicious for fraud although was alerted by the receiving bank. Citibank not only did not warn me that I was victim of wire fraud but also allowed me to make on XX/XX/2018 a second wire transfer to another account in XXXX XXXX which also resulted to be fraudulent. Citibank failed for the second time to recognize that the wire transaction was fraudulent. The irregularity of the receiving account was immediately recognized by XXXX  XXXX XXXX.
Product: Mortgage

I find myself in a foreclosure situation with Lakeview regarding my mortgage loan. I had some very serious health issues in the last few months and have tried on many occasions to get Lakeview to work with me on a deferment or forbearance or some type of program to help me get caught up. The company has insisted that I reinstate the full past due balance to prevent foreclosure sale. Since Lakeview refused to provide any type of help I went to my 401K and drained the funds so that I could pay off the missed payments. I withdrew enough money to settle this matter but by the time I got the new reinstatement amount thousands of dollars in junk fees and legal fees had been added and although I had over $ XXXX to pay was told I needed to come up with the full amount down to the penny. This is no way to do business! I had XXXX XXXX of the money owed, why couldnt they accept this as a good faith payment and work with me instead of trying to sell my house!! Now there is a foreclosure sale date on XX/XX/XXXX. This is unethical and wrong. 

My hardship began when my wife and I separated and I continued to make XXXX XXXX of the payment. I moved out temporarily to stay with my sister and had to help with bills at her place as well as all bills at my house except utilities beginning in XX/XX/XXXX. My estranged wife XXXX was supposed to pay the utilities for the house but her hours were cut and she fell behind on all of that and it was a mess. I moved back in to the home in XX/XX/XXXX and had to pay multiple months of utility bills so they would not get shut off and missed a couple of mortgage payments. I took out a small 401K loan at that time to catch up on everything and also bought materials so I could repair some damage and remodel the home. Then I started having XXXX problems and had XXXXXXXX XXXXXXXX XXXX in spring XXXX and missed a mortgage payment again in XXXX because I was not able to work for XXXX months. I finally got back on my feet and went back to my job as a XXXX XXXX. I began calling Lakeview to see if they would work with me and offer help through forbearance or a deferment but was turned down by everyone. 

I worked extra hours to try and get enough money together to try and catch up on the loan but got hurt on the job in XX/XX/XXXX and again was out of work. When I called again to tell their agents my situation they said I could try and apply for assistance, but I was going into foreclosure. I was under tremendous stress and the paperwork was overwhelming and I decided I would fix this myself and took out the {$10000.00} 401K loan which was enough to reinstate the loan. However, by the time I got the check Lakeview had increased the reinstatement amount to close to {$13000.00}. I tried to give them the money but they refused and have scheduled a foreclosure sale date for XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Please remove Late payment! ( Account info down below ) TransUnion Report! 
Account # / XXXX Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX/ {$5000.00} Payment status / 30 days late By law info must be reported 100 % accurate across all 3 Bureaus. All Information should be 100 % accurate across ALL 3 BUREAUS or is legally supposed to be removed. I demand late payment status on TransUnion to be removed and reported as paid on time. Account has inaccuracies, across ALL 3 BUREAUS. Including Transunion has the late payment, and XXXX and XXXX shows Paid On Time. Which is inaccurate, Status should say Paid On Time across all 3 bureaus. And TransUnion it doesnt, so please update TransUnion status to Paid On Time and remove late payment status. I demand the late payment to be removed immediately, and Update XXXX To Paid On XXXX. Thanks Ive attached documents Filing a complaint with XXXX XXXX XXXXXXXX XXXX XXXX ) as well.
Product: Mortgage

I have an existing mortgage with the Golden-1 CU in CA. I recently attempted to procure a rate-reduction mortgage refinance ( from 5.5 % to 3.5 % ). I saw the G-1 's published rates steady at-or-about the 3.5 % level and initiated the process only to be told those rates were for " purchases only '' and not refinancing. I was shocked by this response and began researching rates more broadly only to discover refinance rates are significantly higher and it is now the norm for lending institutions to blatantly discriminate against citizens wishing to refinance. As someone who worked in mortgage finance most of the 1980 's and has been a real estate executive in CA state civil service for 27 years, I know the majority ( if not all ) conventional fixed-rate mortgages are sold secondarily into XXXX/XXXX ( qualifying ) tranches based on " risk '' ; defined by income, debt ratio, and LTV. The market is, in effect, discriminating against the lowest-risk borrowers who, like me are higher-income/low LTV families pursuing payment, which makes the loan even less risky. This discriminatory practice is just WRONG, and it should be stopped immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi i am filing a complaint against the bureau company because they have not validate any information i sent them because i have not received any investigation letters what so ever. i also see account that arent mine they will not respond back to me ... this is a serious violation under FCRA SECTION 609 ... this is very stressful because their not doing their job as promise to protect us ... ....
Product: Credit reporting or other personal consumer reports

I am contacting the CFPB to assist me with removing this fraudulent account on ALL 3 of Credit Files ( XXXX, XXXX, and XXXX ). 

Per 15 USC 1681, governs accuracy, fairness, and the privacy of personal information assembled by XXXX XXXX. I have attached a copy of the 1009-C sent to me from Macys/Citibank, N.A . received on XX/XX/2024. The 1099-C proves that this debt shall be removed from all 3 of my Credit Files because it shows the debt was discharged and needs to be removed upon receipt of this complaint. 

My claim is evidenced by the attached 1099-C from the Creditor Macys/CitiBank N.A.
Product: Credit card

I have Bank of America cash reward credit card since XX/XX/XXXX or XX/XX/XXXX ( this is also my first credit card ). I have set auto-pay for this credit card. It worked well in past years. But the auto-pay stop working since XXXX XXXX. I did not notice that since most time I use my other credit cards. Then I received a mail from BOA said I did not payoff my balance for 3 months, and I have to pay off the balance otherwise my credit card account will be closed. I paid the balance ( less than {$45.00} ) immediately. But my account still being closed, and my accumulated cash reward is also gone ( it is about {$24.00}, since it is less than {$25.00}, BOA said can not redeem my reward ). 


Actually, I 'm totally fine with the close of this credit card account. 
BUT this experience makes me upset and angry. 
1 ) it is not my fault that auto-pay does not work. I have credit cards of XXXX, XXXX, XXXX XXXX. and all other credit cards work well with auto-pay. The reason I set auto-pay is I don not want to spend time to keep an eye on them. 
2 ) I just noticed my FICO credit score dramatically drop from XXXX to XXXX after that. 

I have over $ XXXX in my BOA checking account, and they close my account for balance of {$45.00}, and the reason is their auto-pay does not work. Why they can not give me a call at the very beginning, but mail me after it happened for 3 months. 
The worst part is it will take me very long time to reestablish my credit, and it will affect my subsequent purchases ( mortgage interest ).
Product: Debt collection

This is a complaint against XXXX XXXX. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened without my authorizacion is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.
Product: Credit reporting or other personal consumer reports

\ **Consumer XXXX XXXX XXXX XXXX **Complainant Information : ** Name : XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> **Business Information : ** EQUIFAX XXXX*Complaint Details : ** I am filing this complaint against Equifax for their blatant disregard of the Fair Credit Reporting Act ( FCRA ) and their failure to block fraudulent information on my credit report as mandated by law. Despite my repeated requests and the clear evidence of identity theft, Equifax has failed to take appropriate action, which is unacceptable. 

**Background : ** 1. I have submitted multiple requests to Equifax to block fraudulent accounts and inquiries resulting from identity theft, as required by FCRA 605B ( 15 U.S.C. 1681c-2 ).

2. Equifax has not complied with the law, allowing inaccurate and fraudulent information to remain on my credit report, which has severely impacted my ability to secure credit and loans. 
XXXX. I demand that all fraudulent information be deleted from my credit report immediately, as the law stipulates, due to its inaccuracy and the fact that it is associated with identity theft.

**Request for Resolution : ** I am requesting the following actions be taken immediately : 1. Delete all fraudulent information from my credit report as required by law. 
2. Provide me with written confirmation that all fraudulent accounts and inquiries have been removed.

3. I also request contact information for filing a lawsuit against Equifax and every creditor listed on my report for their role in this identity theft and the subsequent reporting of inaccurate information. 

This situation is intolerable, and I expect prompt action to rectify these violations. Failure to comply will leave me no choice but to pursue legal action against Equifax and the associated creditors. 

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

Please update my personal information, delete the accounts I sent with error
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortionXXXXXXXX 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

I received a letter from XXXX XXXX Notice of Data Breach. My personal information was compromised. I am a victim of identity theft. Someone opened a fraudulent XXXXXXXX XXXX Account using my personal information and identity. I never applied for any loan or account with XXXX XXXX XXXX. The XXXX Account is a fraudulent account and not my account. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$20000.00}
Product: Money transfer, virtual currency, or money service

XXXX  card dcfs.. and XXXX  unemployment for almost a year off and on at XXXX XXXX , plus XXXX XXXX XXXX XXXX XXXX purchases under the other XXXX XXXX and are compromised and my emails keep getting back, and making additional ones. Moving money in my name at banks and have insurance on phones purchases through XXXX XXXX and theft and loss assistant and addition. I verified acct made a claim on an XXXX XXXX, due to Al acts being shut down and they absolutely sabotaged me and Ive called police and reported it and I know it was someone in my home now, due to my ignorance of how things work and I wasnt getting anything sent by email or mail. So how do I know for a year or so what has been in my XXXX besides my mail informant that the post office made for me like 3 years ago which the person goes behind me and has changed that and XXXX and cashed out my kids cd and has changed info and bday where they wouldnt pull it up and did that with XXXX  XXXX also but now it is back to Normal with that.Im waiting on XXXX and grant. money and they said to apply for funding and grants as I did and was approved and it say XXXX web XXXX XXXXXXXX  like XXXX  ) XXXX has said hijack browser and I just want it to end and keeping financial aid money through bank mobile and also school at XXXX and sign and run my credit score daily for years please look into everything Im saying please. Dont know what else to do and Im out of options here. They have used remote access control access as att said and apple, as I called capital one and acct there I dont have the number so they wont give me the info. Also at regions and this has been going on changing my numbers and my credit report was supposed to be friezes and XXXX  it and its XXXX pages long with experian. Also student loans I havent been to school since XX/XX/2018 and they have also off and on at dept of education. Everything is messed up purchases and my child support XXXX XXXX and any fund I had applied for and I do not know what to do Collecting unemployment got me shut off insurance XXXX and my 18 yr old and ebt and I am located in Louisiana where storm just hit
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because I do not recognize item on my credit report. The account is listed below. I have never done business with this company.
Product: Mortgage

We are buyers of a short sale property from Bank of America. We went through the negotiation process 10 weeks ago and agreed to their price. All paperwork, including the XXXX Affadavit have been filed, but still no response from the bank. The seller 's realtor does n't respond to us, yet has $ XXXX of our money! We were given a close date ( on or before ) which is now 3 weeks away. Using that close date we sold our house with a close date 3 days later. If we do n't get an approval letter from Bank of America soon, my family - including a XXXX year old and XXXX year old - are not going to have a home leading into the winter months of Massachusetts. I ca n't call Bank of America because I am not the seller, so I have no idea how to get information on where we stand. My mortgage company wants the signed approval letter or they wo n't approve my mortgage either. How do I get Bank of America to move on the approval letter?!
Product: Credit reporting or other personal consumer reports

XX/XX/year> till XX/XX/year> they received insurrance payments which is a fraud when there no insurance. 
XX/XX/year> the house was ruled none live able as XXXX ft long and XXXX ft tall was XXXX XXXX  ( we have photos and proof ) that been said the state removal the house and said was unlive able. they cant bill for somthing that they removal insurance and tryied to XXXX XXXX XXXX XXXX XXXX. house loans need to be remove off our scores me and my wife or they just need to be sue for fraud and damaged to our stuff that we lost. there many goverment agents know about it and local fire and pd to willing to take them to court to clean up there problem now they commint fraud on our fico score reporting all lies to cover up there actions.