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

My checking account with CitiBank was closed by the bank without any visible reason on XX/XX/XXXX. Meanwhile Ive had a check deposited on XX/XX/XXXX which went on hold. On XX/XX/XXXX I received the letter from the CitiBank Fraud department stating that my account is being closed and that it is going to take 30-60 business days and if I have any funds available ( which was my check ) it will be returned to me by the mail with the official check. It is XX/XX/XXXX and I still havent received my funds. I called them already 6 times and they kept lying to me that the check is going to be sent tomorrow, still nothing. I went to the branch which gave no results either because the banker has no info and has to contact the same department as I. I called them in again today and they said that they need more time to verify, I could not get the answer WHAT actually they need to verify, but I am sure that 7 month is more than enough to verify whatever they need. That long funds withhold caused me a huge damage, especially during the pandemic times, I am in a really difficult financial situation right now and I can not get my money.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

I started the account creation process but was later denied access. In order to login I needed to verify my identity but was not given an option or instructions on how to move forward with the verification. The only support thats available is an ai chat it which is useless. Their support is very difficult to navigate or find any solutions. The telephone number that I and coinstar support could find was disconnected. I finally found a way to submit a ticket and got an answer but that was back on XX/XX/year> which did not in anyway resolve the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) -- XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX, XXXX XXXX have violated my consumer rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am requesting a form 1099-C for a charged off XXXX account XXXX
Product: Credit reporting

Contact Transunion and spoke with customer service name XXXX from XXXX and explained to her that in XX/XX/XXXX my inquiries from Transunion were deleted and reinserted back 2 days later without me receiving the proper documentation in writing as the law says every time something is reinserted customer needs to get within 5 days notification of issue which I never received representative said that there were no issues with Transunion that she would not help and take care of the negative inquiries reporting to my credit report. I demand her to delete those inquiries that were put back into my credit report she replied no because it was an issue with XXXX or XXXX website reporting wrong information for Transunion that it was not Transunion directly. The following are the inquiries that were deleted and reinserted back into my credit report from Transunion,,, XXXX Date FiledXX/XX/XXXX,,, XXXX Date Filed XX/XX/XXXX, ,XXXX Date Filed XX/XX/XXXX,,, XXXX Date Filed XX/XX/XXXX,,, XXXX Date Filed XX/XX/XXXX,,, XXXX Date Filed XX/XX/XXXX,,,,, XXXX Date Filed XX/XX/XXXX,,,,, ,XXXX Date Filed XX/XX/XXXX,,, ,XXXX Date Filed XX/XX/XXXX,,,,,, XXXX Date Filed XXXX,,, ,XXXX Date Filed XX/XX/XXXX ... ..
Product: Mortgage

I am a 34 year member to Navy Federal Credit Union and I am trying to refinance my current NFCU home loan in California in order to take advantage of the historically low rates. Since XX/XX/2020, NFCU has repeatedly processed the wrong type of loan three times causing me to have to reapply for a fourth time. My credit rating score is XXXX, my home has been appraised at {$420000.00} my current mortgage equals {$230000.00}, I am a retired XXXX XXXX XXXX and current XXXX XXXX XXXX worker with over 10 years of service. 
Having said all of that, NFCU keeps revising the loan documents and asking me to re-sign or repeatedly asking me for the same documents over and over seemingly in an attempt to delay the loan processing. Since XXXX I have e-sign to close this loan over XXXX times! It is odd and doesnt seem like NFCU is acting in good faith to close this loan. Just today I was notified that I need to pay for another termite inspection because they have taken longer than the VA required 90 days. This is outrageous. I have called and left a message for the supervisor of mortgage processing, but no one has called me back. NFCU has run my credit 4 times knowing full well that each time that its run it negatively impacts my score. Please assist in what should be a simple process. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I request Equifax to investigate accurate hard inquiry duplicates, paid-off accounts, and paid-down accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 Section 602 A.states I have the rights to privacyC 15 U.S.C .1681 Section A Section 2 It also states a consumer reporting agency can not furnish a account without my written instruction account numbers XXXX XXXX XXXX account number XXXX XXXX
Product: Mortgage

I asked for my promissary note as the only signature that was on it was my signature. I did not know that Title Security had sold my note to someone else and they refused to give me any information or tell me who their XXXX XXXX company was to this day. I told them ( XXXX, the foreclosing agent ) that I would have to inquire about my rights with their regulatory agency, ( Title Security retaliated at that point and went ahead with the foreclosure, even though I was current on my payments ). They threatened to foreclose on me, if I contacted any govenment agency for help. They refused anymore payments and refused to tell me how I could stop the foreclosure, until it was over so I had to pay all of the fees for the foreclosure ( Is this Nondisclosure, fraud, etc.? ). When I contacted attorneys they assured me that this was illegal, but I could not afford their fees. I have kept in constant contact with Title Security to to be within the statutes of limitations for RICO, 4-5 years within the last contact with them.They are still withholding information even though they have sent the file to me, but it is incomplete. Now they claimed that I was not damaged because I later sold the property, but unfortunately was never paid for it, XXXX XXXX XXXX never gave me the funds for the sale, but this is another, separate issue that I will also present to you to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian via mail at XXXX XXXX XXXX, XXXX, Texas XXXX on XX/XX/2018, alerting them to a paid for deletion account showing on my credit report, I also included documentation/receipts from the company reflecting account was paid for removal. I have not received any feedback from Experian. I have attempted to contact them via the multiple phone numbers listed, XXXX, XXXX, XXXX, and XXXX, I only recieved an automated message with limited options, stating to please try using online services for further assistance. I then attempted to complete an online dispute form but continually received an error message stating site was unavailable. It's been 45 days and I have yet to receive a response nor can I contact anyone to follow-up. 

XXXX XXXX, account # XXXX, the account is showing paid and closed, the account should be removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Amount : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not my debt and improper reporting and intrinsic fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the XXXX and Equifax Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX Balance Owed : {$50.00}.
Product: Mortgage

my Dad passed away and he had a written will and had a notory to make me general power of attorney and also a quick dead was made out and freedom morgage XXXX XXXX XXXX XXXX XXXX XXXX PHONE # XXXX was not going to honner the will so now they are trying to take the house away from me and trying to sell it with them knowing that i have a court date on the XX/XX/2016 they are trying to steel it from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Bank of America charged me 7 overdraft fees over a month totaling {$240.00}, charging me {$35.00} each. I called Bank of America customer service and they refund me just 1 of {$35.00}. If my account is low in funds, they should not honor or let my account be overdraft just that the banks can rip off customer by charging this ridiculous fees. These banks make billions from these illegals fees. We tax payers bailed these bank during the recession and they pay us back with ripping us off. Someone at the federal level please stop this unfair practices to continue.
Product: Credit reporting or other personal consumer reports

credit bureaus what was the amount owed on this XXXX XXXX XXXX account label as late payments account # XXXX According to The FCRA is a federal law that gives you the right to dispute inaccurate information that appears on your credit report. 
And this account have reported inaccuracies for a long time time if cant be proven please have this removed because all three bureaus is very inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting inaccurate and unverified information from American Education Services, who has never send me my written contract bearing my signature, in addition, have placed numerous lates on my consumer file even through i was in forbearance and deferment. Currently, I have a submitted a borrower 's defense case against them, I attended XXXX University. It has been over 6 months dealing with XXXX and XXXX. XXXX deleted this account because it could not be verified. XXXX and XXXX took off this account off my credit report and illegally put it back on!!! 
XXXX XXXX has said it will remove my account due to identity theft which was file with the ftc, case number XXXX. Il XXXX XXXX XXXX and family service has not verified in writing. XXXX XXXX which is reporting XXXX XXXX which is including in my ftc identity report file case number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX Balance : {$0.00} ; CAPITAL XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$880.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} ; XXXX XXXXXXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am formally disputing the collection account reported by XXXX XXXX XXXX, also listed as XXXX XXXX XXXX, appearing on my credit report with Equifax, XXXX, and XXXX. This account reflects an alleged debt of {$4300.00} with the original creditor listed as XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C. 1681, I am exercising my right to dispute the accuracy and validity of this account. I request that this account be removed and deleted entirely as it fails to meet the standards of verifiable and accurate reporting. Specifically, I demand validation of this debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), which requires the collector to provide a signed contract or agreement that explicitly contains my full signature and Social Security number to establish the alleged obligation. Without such documentation, this account must be deemed unverifiable and removed. Furthermore, I request proof of assignment or transfer of this debt from XXXX XXXX to XXXX XXXX XXXX. In the absence of proper documentation, this collection is not legally enforceable, and its continued reporting violates 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies maintain maximum possible accuracy in their records. The discrepancies in the balance amounts ( e.g., {$4300.00} vs. {$4000.00} ) and the failure to provide closure or original agreement information further highlight inaccuracies. I assert that this account is inaccurate, unverifiable, and must be deleted immediately from my credit reports. Failure to do so may result in legal action, as continuing to report unverifiable or inaccurate information is a violation of my rights under the FCRA.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these funds was unfeasible.
Product: Credit reporting or other personal consumer reports

I have sent XXXX dispute letters to all three credit bureaus XXXX, Equifax, and XXXX to correct my personal information, and yet it has not been done. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 15 U.S.C. 1681c, I have the right to dispute any inaccurate information and request that it be corrected promptly.

Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain accurate information, and I trust that you will make the necessary corrections promptly. In accordance with 15 U.S.C. 1681i ( a ) ( 5 ), I expect to receive written confirmation of the outcome of your investigation and a corrected copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  reported a 30 days late in XXXX of 2017 however this is not correct and i asked for something showing were i was late since its paid via internet but received nothing. i disputed with all 3 bureaus however none of them did a good job investigating it
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I applied in person at the bank of america branch on XXXX XXXX XXXX, XXXX, MA XXXX for a Business unsecured credit card. I already have a secured credit card with them already. 
After the banker does my credit application and run my credit I'm denied automatically because there policy is that you can not have both a secured and unsecured credit card so I never had a fair chance to be approved. 

The banker never informed me that I could not have both secured and unsecured credit cards. In fact he should of never did my application if this is policy. If the banker does not know this is policy he should not be doing credit applications until he's trained correctly. Now I have a hard inquiry for something I never had a chance with for 2 years and have to jump through hoops to try to get it deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several certified mail attempts to try to resolve these issues XXXX XXXX XXXX  has continued to violate my rights per FCRA i am requesting that this account be removed immediately at this point I intend to seek legal action due to the length of time interest rates and agony this has caused me here is proof XXXX XXXX and XXXX have removed this account to incorrect and non-verification over a year ago
Product: Debt collection

They called my work XX/XX/XXXX and XXXX .. and have called me constantly .. on the XXXX of XXXX, the gentleman who called basically tried to to get my coworker to text me and asked about my work schedule, which he had no right to ask her to do. So that to me is a threat .. I have sent and email to the company asking them to stop calling my work as to I could lose my job.
Product: Credit card

During my recent interaction with Capitol One Bank one of the customer service representatives, I encountered a troubling situation. Despite providing all necessary personal information to verify my identity, I was denied access to information about my account. The customer service representative refused to give any information about the credit card account or access to the online statement This lack of transparency and accountability is highly concerning, especially considering the sensitive nature of financial matters and the importance of clear communication between customers and service providers. 
The customer service representative refused disclose their last name and probably gave me a fake first name of XXXX or any identifying information about their location, making it impossible for me to adequately address my concerns or follow up on the interaction that would allow me to file a written complaint mail. 
Furthermore, withholding essential information such as the name and location of the customer service representative impedes my ability to provide detailed feedback or escalate the issue appropriately. It is crucial for customers to have access to such details when seeking to address concerns or complaints. Since Capitol One Bank has so much access to my very personal information, I find it difficult to believe I'm not allowed to receive enough information to file a proper complaint. 
I respectfully request an investigation into the failure and refusal to give customers access to their own information. This is not the first time I have had difficulty accessing information regarding my accounts.
Product: Credit reporting or other personal consumer reports

I have a student loan that is supposed to convert into a scholarship for each year I work as a nurse practitioner. Due to a 3 month maternity leave, there has been back and forth about the final date I am still under contract. I last sent an email to XXXX on XX/XX/XXXX and I have been waiting for a response to know how to proceed as Ive been given multiple final dates and not received clarification on issues with this account. Regardless, the account is supposed to be deferred and I have never been told any different. XXXX submitted to my credit report that I have now been late twice on payments which has caused my score to drop to the XXXX and refuse to remove it after I disputed it. I have all e-mail communication with XXXX, first with them telling me my account would be due XX/XX/XXXX. I also have my last unanswered e-mail dated XX/XX/XXXX to XXXX XXXX asking for clarification to my due date. I have tried in good faith to make every effort to make sure I have fulfilled the terms of the contract and I would like the negative remarks removed as they are not valid.
Product: Debt collection

On a monthly basis, Mr. Cooper continues to send someone to my home to take pictures and verify that I am still living in my property. In addition, they are passing the costs on to me. I am currently in a repayment plan with them with the payments scheduled to automatically come out of my account. This is harassment and I wish it would stop. When I spoke to Mr. Cooper about it, they advised that as long as I'm past due, they can send someone to my residence.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XX/XX/XXXX, I mailed investigation requests to the credit bureaus, asking them to look into three accounts reporting incorrect information on my credit report. XXXX responded two weeks ago, but I have yet to hear back from Experian or XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXXXXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Amount XXXX. XXXX XXXX XXXX XXXX. No action was taken on my part theres no way in XXXX Ill ever be able to pay this bill. Id need to win lotto. The bill is now in Penn Collections. Dont know them.