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

Citi avoids to acknowledge my XXXX XXXX account was totally locked, and my money completely inaccessible to me from at least XX/XX/2022, when I first noticed. I eventually received the check for my money on XX/XX/2022, making XXXX days that I had no access to my money. 

Instead of doing what is right for its savings account clients, Citi chooses to hide behind their XXXX XXXX for Consumer Accounts. 

Where is it shown in this XXXX XXXX for Consumer Accounts, that all money on deposit in a client 's account will suddenly be locked and made 100 % inaccessible, for an open-ended unspecified amount of time? In my case, ending up being XXXX days. ... XXXX days of my fighting with Citi 's dishonesty before they finally gave in, and gave my money back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Equifax has violated my rights as a consumer 15 U.S.C 1681 Section 602 A States that I have right to privacy 15 USC 1681 Section 604 A section2 : It also states that a consumer reporting agency can not furnish an account without my permission. 

The only Address that should be associated with my credit report XXXX XXXX XXXX XXXX, TX XXXX The incorrect address are XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX XXXX  per violation and clearly they violated my rights. 

I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars and interest every month. It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am Im asking you to verify as accurate : Account name : XXXX Account number : XXXX Account balance : {$56000.00} DATE OPEN:XXXX Account term : XXXX
Product: Credit reporting

I went to Carmax XXXX XXXX XXXX, XXXX, IN XXXX on XXXX XXXX, 2014 to possibly trade in and purchase a car, I did not buy that day. I went back with a friend on XXXX XXXX, 2014 and decided to purchase. XXXX XXXX, 2014 I wet back and exchanged the car, already financed through XXXXSince then I have checked my credit and it was highly damaged from this purchase, Carmax went to XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX pulled my credit XXXX times on XXXX XXXX, 2014, XXXX times on XXXX XXXX, 2014 and XXXX more time on XXXX XXXX, 2014 when I exchanged the car. XXXX agreed to finance me right away and they only pulled my credit XXXX time. 
Not only is this unethical and seriously damaging my credit, XXXX XXXX refuses to remove all these " hard '' inquiries. These are all listed separately not as XXXX, because of this it is counting as XXXX hard inquiries, destroying my credit.
Product: Debt collection

I was being charged for extra months for Internet service.no contract month to month basis, I was unaware the government assistance stopped assisting.next3 to 5 Months I was charged for Internet full price without service. Spoke with XXXX customer service and overturned some processed payments, reducing my aledged past due bill, as I do want to take of my financial obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I submitted a formal complaint against Time Financing Services regarding their violation of the Fair Credit Reporting and the Fair Debt Collection Practices act. 

I also requested validation of the debt they are reporting on my credit report. To this day, they have failed to provide validation of the debt. They have also failed to provide me with any steps taken to validate the debt. And have also failed to provide any proof that I have a contractual obligation to pay them. 

In their response to my original complaint they stated they do not have any record of me in their files. They also stated that they sent me a form to fill out to verify my identity. 

It is NOT MY JOB to do that. The burden of proof is on them. They have repeatedly failed to validate the debt, they have also failed to mark my credit report with dispute comments within 31 days of receiving my complaint. 

They are in violation of my consumer rights, they are also violating state law with their error in reporting. 

To add insult to injury, they didnt even bother to get my name right in their response. Shame on them!! 

Im also filing a complaint with the NC Attorneys General office regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX several times trying to dispute a fraudulent account I have supplied a FTC report and a police report and the credit bureau still refuses this account that was a result of fraud. I have not been supplied any verification documents or any information in regards to why the account was not removed. The police report and FTC report clearly states I never opened this account and it is not mine and needs to be removed. 

XXXX XXXX- {$1500.00} Date Opened XX/XX/2019 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a TPD application to the department of education ( XXXX ) to totally and permanently discharge my school loans because of my XXXX. My account number is XXXX. On XX/XX/XXXX my application from the XXXX Department of Education approved my total and permanent XXXX discharge application and I entered into a three year post discharge monitoring. Period in XX/XX/XXXX, I received full approval for total and permanent XXXX discharge after the three-year monitoring period. Additionally, on XX/XX/XXXX, I received, a fully favorable opinion from the Social Security federal judge. 

After reviewing my credit documents, some thing I was unable to do because of my illnesses for so long, I noticed there are 24 closed loan accounts from the department of education with zero balances, but still were counted as closed accounts. In addition, there was one account, which was reported as open, but had a zero balance. As you know, closed accounts on a credit report can do much damage to the person with the credit report. 

I contacted XXXX and explained my argument that a XXXX loan is not the same as paying off a loan or forgiving a loan. I have found evidence on various websites of XXXX and the department of education, which support my argument. 

I would like to see these accounts deleted from my credit report as soon as possible, as a XXXX loan counts as a cancellation, especially because the person receiving the discharge is unable to apply for another school loan while keeping the TPD status. 

Please help me make this right wrong for myself, and for others with XXXX, struggling to repair their credit after years of patiently waiting to be approved for financial assistance. Thank you very much. 

All the best, XXXX
Product: Credit card or prepaid card

My XXXX Victoria Secret card had a XXXX balance I went to use my card in XX/XX/XXXX i was given a number to call because my card needed replaced as it was cracked. 
I called comenity bank req a new card XXXX  card by victoria secret XX/XX/XXXX was told by a XXXX  it can take up to 12 weeks XX/XX/XXXX called again to see the status of my card issue they apologized and said allow just a few more weeks XXXX I spoke to a XXXX  and was told they could not find my account. 

So today XX/XX/XXXX I call again spoke to a total of 9 people and was told was closed due to inactivity without any notification. 
I told them i have been requesting a card for months and still waiting. 

I logged into my email and got this notification from a credit reporting company which said ____________________________________________________________ Remark code added to COMENITYBANK/VICTORI account Between XX/XX/XXXX, and XX/XX/XXXX, the following remark was added to this account : Account closed by credit grantor. 

Remarks are meant to make your report clearer. If you're not sure what this remark means or where it came from, you can contact your creditor or the credit bureau for more information. 
_______________________________________________________________ So i keep getting various closed dates. It was never late and always for 4 years in good standings and this will now reflect a lower credit score for me which is unfair. 
Above says it was closed between XX/XX/XXXX and XX/XX/XXXX Reps have told me it was closed from XX/XX/XXXX which i know was wrong to XX/XX/XXXX Was told again closed XX/XX/XXXX was advised letter not sent. Because they were doing a big system upgrade and they are sorry, no way to reopen it. 

Called spoke to XXXX and was transferred to a supervisor XXXX, she transferred me to a higher up supervisor XXXX, and she came back on line and asked if I was XXXX?? more than once I have had the worst experience with this company who just closed my account that I was in good standings with for 4 years without any notification XXXX - yet another supervisor only had static on her line when i spoke to the point the call was a big waste of time.

Granted I do not use my cards all the time but when i tried i was told it was cracked and to get a new card that never came and then they closed it. 
I want my account reopened, its not fair to me as a good consumer that pays bills on time. 

I should have had an email, letter in mail text, call something to say hey your account may get cancelled, but even when I asked for new cards 3x was i told it was cancelled
Product: Checking or savings account

On XX/XX/XXXX a fraud claim was resolved in my favor. 

However, US Bank did not handle the claim properly. There was multiple transactions for this hotel between XX/XX/XXXX and XX/XX/XXXX that were not added to the claim. 

I called US Bank on XX/XX/XXXX to add these transactions to the claim. Since that date, US Bank has been unable to issue provisional credit on my account because there is a debit/credit block. 

I have called every manager to no avail. Noone has been able to lift the hold on my account.
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 violates the consumer financial protection act 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 and regulations E. These actions have caused significant inconvenience and financial loss, and I am seek appropriate redress
Product: Checking or savings account

XX/XX/2025 I opened a new account with citizens bank in which I also made a deposit of my tax refund check same day. Being that it was a new account I knew I had to give them a few days to clear my funds a few days turned into XX/XX/XXXX or XXXX thats when I made the call to the bank they ensure me that my funds will be released on XX/XX/XXXX which is diabolical. I waited till the XXXX to call back and now they extended my hold for an extra 45 days which put me in so much backed up bills I dont know what to do I never herd of a bank holding funds for over 60 days
Product: Credit reporting or other personal consumer reports

This is not an error, and I need this issue to be taken seriously. My credit report contains mixed information, including accounts, transactions, and items that do not belong to me. I have come across these inaccuracies multiple times, and they continue to cause unnecessary stress and anxiety. These errors are not only misleading but are also negatively affecting my financial standing.
Product: Debt collection

I received a collection letter from XXXX XXXX XXXX stating a debt to Velocity Investments , LLC in the amount of {XXXX}, dated XX/XX/1996. My correspondence to them was, on a form that they provided, that I did not owe this debt and have no knowledge of this debt or Velocity Investments , LLC. XXXX insist that I provide them with Affidavits, Police reports that include my SSN, Drivers License DOB and Addresses. This debt appears to be 26 years old and uncollectible after 7 years from the date of the last payment. It was suggested to file a complaint with ( CFPB ) Consumer Financial Protection Bureau and Federal Trade Commission.
Product: Checking or savings account

Unfortunately Ive now already spent a 16+6 hours and a 1 hour visit to try get my CD at Bank of America closed. 

They keep bringing up new holds and obstacles, hoops for me to jump through to get my money. XXXX XXXX 

1 year ago ( XX/XX/2021 ) I only opened the CD as to provide for getting a business creditcard. It was very clear i wanted it for 1 year. The company said and still claims When in maturity you can automatically renew or withdraw the funds without penalty. 

I have not been able to get my funds. Ive called for more than 16 hours on 6 different days. 
Last month they finally said the hold from the small business team is lifted, your funds are now released. Wait 10 days for your cheque. I DID NOT RECEIVE IT. 

I called today again for 2 hours and visited an office. They said there is another hold. No explanation on what happened. 

They are again emailing and calling different departments. I have 0 faith I will get my money. 

Please recommend how I can legally force them to give me my money. Potentially they are doing this with hundreds of clients. Could be hundreds of millions they illegally use to invest. 

I feel very hurt sad frustrated and angry. Today I suddenly had to throw up and been feeling very dizzy after the hours of talking with Bank of America employees who just turn me in circles and dont understand whats going on. 

Today they just emailed the small business department to ask to remove the hold.. last month they already removed the hold and said they released the money and the cheque is on the way its the 4th hold that appears and is always mentioned weeks later.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid off all balances with XXXXXXXX XXXXt. They continued to try and charge even after I received my final bill. I submitted a complaint with the Cfpb about the company but cfpb is unable to reach them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The student loan account that I have a complaint about is University XXXX XXXX reporting to all 3 credit bureaus ( TransUnion, XXXX  and XXXX  ). I have disputed this account more than 5 times because they have reported several errors to all 3 of my credit reports. During these disputes, I mailed letters out to the creditor telling them what my concerns are and why this account needs to be deleted from my credit report using my rights under the FCRA. I also mailed letters to all 3 of the credit bureaus. It always comes back " verified '' which tells me they never really looked into what I stated my concerns were but rather they just asked the creditor to validate the account. Several times I have seen that the creditor will make changes to my credit report like fixing the account number they had wrong on one of the credit bureaus or fixing the dates they reported incorrectly without actually deleting the account. This is a violation of the FCRA. 

other violations they have made include : 1. Reporting old debt as new or re-aged. 
2. Reporting account as active when it was closed or reporting closed accounts as active. 
3. Reporting late payments to XXXX  and XXXX, but on time payments to TransUnion. 

It can get very stressful paying to have letters mailed certified mail several times and waiting almost 7 months in total to get the same results that your issue wasn't even looked into but just " verified ''. When I reached out the the creditor at the beginning of the year to try to pay this debt ( before I even started disputing the errors ), she was very rude to me and even threatened to take me to court. This frightened my for a while and I started to feel hopeless. I was very confused because I called her to try to clear the debt not tell her I wasn't going to pay. 

If you really look into my credit reports, you will see that that is the only negative account I have on there and I am tired of it being used against me. Please if you can help me get this item deleted it will be greatly appreciated and it will also be respecting my rights under the FCRA. This item was supposed to be deleted a longtime ago when they were reporting errors and decided to change it. Attached to this complaint are other documents of proof of the violations they have made currently on my credit report. 

More information : Right now it states on the reports that I owe {$2700.00}. This was a federal student loan that went into Default. The account numbers, dates, and late payments haven't consistently matched. They have changed some information but some errors are still left on the account. This student loan is in loan rehabilitation. I set up a payment plan with creditor and even linked my account only to find out that their system failed and I have to actually call to pay on a random date every month because they don't have automatic payments. Regardless, it is my rights that this account is deleted from my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX 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 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 months that are reported late 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  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: Mortgage

I 've submitted a request for mortgage modification and current financials to my mortgage company Fay Servicing several times. I have received a property foreclosure sale notice for XX/XX/2017. Faye servicing is currently processing my modification request and they have not postponed the property foreclosure sale. I want to keep my property.
Product: Credit reporting or other personal consumer reports

I have an active fraud alert and after reviewing my credit report these inquires below are fraudulent and not unauthorized. 

* XXXX - XX/XX/XXXX * XXXX XXXX XXXX - XX/XX/XXXX * XXXX / XXXX - XX/XX/XXXX * XXXX XXXX - XX/XX/XXXX * XXXX  XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update and correct this suspicious accounts listed below. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my previous complaint and I'm including it again. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} DEPT OF ED/XXXX  XXXX Balance : {$18000.00} DEPT OF ED/XXXX  XXXX Balance : {$8300.00} DEPT OF ED/XXXX  XXXX Balance : {$7700.00} DEPT OF ED/XXXX XXXX Balance : {$5400.00} DEPT OF ED/XXXX  XXXX Balance : {$4200.00} DEPT OF ED/XXXX  XXXX Balance : {$2000.00} DEPT OF ED/XXXX  XXXX Balance : {$1900.00} DEPT OF ED/XXXX  XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX  XXXX Balance : {$3400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact Experian, XXXX, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. Experian, XXXX, XXXX  has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying Experian, XXXX, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX XXXX  XXXX XXXX Acct # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have  got into the hands of the wrong person.