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

In XX/XX/2019, I opened a checking account with Citi Priority using their online website. 
At the end ofXX/XX/XXXX, when I had not yet received a debit card, I called to find out what was going on. Citi told me that the card had been mailed out and that I should be patient. 

I called again on XX/XX/XXXX, was told that the card had been activated and used at the end of XX/XX/XXXX, and that the card had been originally mailed to an incorrect address. They opened a dispute, but refused to close the account or to correct my address in their system. 

Between XX/XX/XXXX and XX/XX/XXXX, I called an additional eight times and spoke with more than 20 Citi employees. They advised me to file a police report, which I did on XX/XX/XXXX. A copy of the report is attached to this complaint. Citi still refuses to update my address, proactively communicate with me in any way, refund my money, or close the account even though they know that it is being used fraudulently. 

Citi reps have told me to knock on doors around my neighborhood to find out who used the card, told me to stop calling, that I should be glad that it's not a huge amount of money, that I should " get a life, '' and numerous other unprofessional comments. They've also given me contradictory and conflicting information about the account and how I can get this resolved. The only thing they all agree on is that they will not close the account and will not refund my money.
Product: Mortgage

Loan is with Ocwen and we are in pre-foreclosure. We did not know this as we thought house was foreclosed in XXXX. WE NEVER asked for a postponement of the sale until recently once we understood how a short sale would help them avoid foreclosure. WE was told by Option One, back in XXXX that there was " Nothing they could do for us and to GET OUT '' of the house. Wr were told it would foreclose in XXXX XXXX, so we left 100 %. The house has sat vacant for years now, and we never knew the bank did n't foreclose on us, until XXXX XXXX reached out to let us know. I believe we deserve a break and would love to see get a short sale approved. Today, Ocwen basically confirmed foreclosure is XXXX and that they did not have enough time to review the option and closed out the short sale review. We sent the proposal to Ocwen on XXXX/XXXX/XXXX, and are asking for postponement of the sale in order to get short sale reviewed. There is a cash offer on the table. Again, We the seller has never asked for a postponement, this is the first time and Ocwen is saying NO. can you please stop this forecloseure and allow us to do short sale. We have been riddled with one problem after another with medical issues since XXXX the reason we fel behind was told to leave and now this. I was given a complaint number # XXXX from our expert who is trying to help us. Thank you for your time XXXX ( XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/2022, authorized representative XXXX, from XXXX XXXX XXXX ext XXXX accepted that the balance of {$130.00} from the original XXXX XXXX XXXX  of Georgia will be COMPLETELY DELETED FROM ITS REPOSITORY once balance was paid. I paid balance and it has not been deleted on of my credit profile with XXXX, EXPERIAN, and XXXX. I wish to have this deleted complete per request and law.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX keeps reporting items that I gave no consent to and I demand that they be removed..They were never given permissible permission and according to 15 USC 1681a 3 & 4 that is a violation.. 
Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

unathorized use of my account wells fargo closed checking account and did no investigation. wells fargo does not make your account safe. after all the fraud and eligal use of persons info by fargo. i have filled suit against fargo along with 12 other account holders
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute the inaccurate information that remains on my credit report, despite my previous attempts to resolve these errors. My experience aligns with the Consumer Financial Protection Bureau ( CFPB ) lawsuit filed against Experian ( Case No. XXXX ) on XX/XX/2025, in which the agency alleged multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). 
Specifically, Experian has failed to conduct reasonable reinvestigations, misrepresented the nature of my dispute to furnishers, and continued reporting inaccurate information in violation of my rights under federal law. 
Accounts/Items in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Fraudulent Account XXXX XXXX XXXX XXXX - Fraudulent Account XXXX XXXX XXXX XXXX - Fraudulent Account XXXX XXXX XXXX XXXX - Fraudulent Account Violation of FCRA Requirements Under XXXX U.S.C. XXXX ( a ), Experian is required to conduct a reasonable reinvestigation of any disputed information. However, according to the CFPB lawsuit, Experian has a pattern of : Failing to forward all relevant dispute details and supporting documents to furnishers. 
Relying uncritically on furnishers responses, even when they are illogical or inconsistent. 
Sending consumers misleading or unclear results regarding dispute investigations. 
Allowing previously deleted inaccurate information to be reinserted onto credit reports. 
My Legal Rights & Requested Action Pursuant to the FCRA, I request that Experian : Conduct a proper reinvestigation of my dispute by forwarding all relevant information and supporting documentation to the furnishers. 
Provide me with a written statement detailing whether the disputed information has been corrected or deleted. 
Immediately delete or correct all inaccurate, incomplete, or unverifiable information from my credit report. 
Cease the reinsertion of any deleted inaccurate information unless it complies with the certification and notification requirements under XXXX U.S.C. XXXX ( a ) ( 5 ) ( B ). 
Provide me with a free updated copy of my credit report once the disputed items have been resolved. 
If Experian fails to properly investigate and correct my disputes in compliance with federal law, I am prepared to file a formal complaint with the CFPB and seek legal action for damages under XXXX U.S.C. XXXX and XXXX. 
I have attached copies of supporting documents ( credit report, correspondence, payment records, etc. ) to substantiate my dispute. Please respond to this dispute within the 30-day period required by law. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my Equifax credit report, I can see information that were not authorized. I'm a victim of Identity theft and this information is not mine.
Product: Credit card or prepaid card

I got this in store credit card from XXXX XXXX but the company that issued the credit card is Citibank N.A.. From the start there was concerns as I was getting emails from them and in the body of the email it would say things like, Hi XXXX XXXX or Hi XXXX XXXX I was not able to login to the website to see my account information. I called them about this and they said they corrected the problem. The next time I went to use the card the account was locked and a message informed the check out person to call a number. I called them 3 different times over a month on XX/XX/XXXX, XX/XX/XXXX, XXXX at either their Customer service : XXXX ( XXXX ) XXXX or Credit card support : XXXX ( XXXX ) XXXX. On XXXX I requested to speak with a supervisor and got the same response. They won't let me cancel the account because they can't verify the phone number. They say they will call the number on file within 2 hours and this is how they verify the account. I gave them my number and asked if that was the number on file and they said Yes it was, but they never called me back to verify. Not within 2 hours. Not within 2 days. They never called me and we went through this 3 times. Card can't be used but neither can it be cancelled. The account must be tied with at least 3 other accounts as I have gotten 3 separate emails with 3 different persons names referenced in the body. I truly believe they are opening accounts and putting them in this state so they don't have to service the account but can use the accounts personal information for business purposes. 
There can be no other explanation as to why they have this ridiculous procedure of calling a telephone number within 2 hours to verify an account especially when they never call. I don't want Citibank to have an account for me and I don't want them to have my personal information.
Product: Money transfer, virtual currency, or money service

I made a transfer from my card to my local bank and it mentioned in one email it will be deposited latest on the XXXX but nothing yet. And I made transfers before and there was no problem
Product: Credit reporting, credit repair services, or other personal consumer reports

BMW UNLAWFULLY AND ILLEGALLY is accessing my credit report WITHOUT MY CONSENT AND OR AUTHORIZATION!! THIS IS A CRIME AND A VIOLATION OF OHIO AND DC AND FEDERAL LAW AND WILL END IMMEDIATELY!!! MY credit report is locked/frozen with ALL THREE BUREAUS AND A FRAUD ALERT IS PLACED ON MY CREDIT REPORTS AND BMW STIL CONTINUES UNLAWFULLY AND ILLEGALLY ACCESS MY PRIVATE and confidential credit report, illegally MONTHLY! I DO NOT HAVE AN ACCOUNT WITH BMW AND YOU WILL STOP THIS IMMEDIATELY!! IM A XXXX HOMELESS VETERAN WITH NO MONEY INCOME OR ASSETS!! GET OUT OF MY CREDIT REPORT AND MY BUSINESS AND STAY THE XXXX OUT BMW!! YOU ARE VIOLATING STATE AND FEDERAL LAW AND HAVE BEEN REPORTED TO THE DC ATTORNEY GENERAL THE OHIO ATTORNEY GENERALS OFFICE, THE XXXX, AND THE CFPB!!
Product: Credit reporting or other personal consumer reports

I don't want these accounts in my report, they are directly affecting me and they are not mine. 

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

Dear Credit Bureaus, Attention : Compliance Department- CEO only According to my research, your company may not include in a consumer credit report any adverse, inaccurate, or unverified information without physically verification and valid to be 100 % truthful accurate, timely, complete, current, and compliant to prove now or delete this unverified information immediately. 

XXXX XXXX XXXX XXXX If inaccurate, incomplete, or unverified, I demand deletion. 
XXXX XXXX If inaccurate, incomplete, or unverified, I demand deletion. 

These inaccurate accounts are unjustified. I need immediate deletion of these unverified allegations to meet standards of the FCRA. Any and all of the aspects of alleged account information must be documented to be proven of my responsibility to be adequate and within compliance to properly and fair reporting according to the FCRA. If you are unable to provide me with any copies of verifiable proof justifying the reportability of any derogatory account reporting within 15 days by challenging compliance of the FCRA reporting procedures to be 100 % accurate and complete, then you must delete all accounts of illegal and dishonest procedures bases on the assumption of this misleading information reporting on my credit file. 
Provide physical proof of verification or delete each account permanently. 

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

I have this items that does not belong to me and i want it to be remove from the 3 reporting agencies. 

XXXX  1. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX  1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft CAP ONE NA Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX  1. Identity Theft CAPITALONE Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I received my XXXX XXXX credit card statement, it read {$390.00} balance. So I made a {$150.00} ; payment, because I had damage to my home because of the California windstrom on XX/XX/XXXX. I couldn't pay the minimum payment of XXXX. The charged me XXXX fees. There business practice are not right. They are not considering any assistance for my hardship. They continue to impose very high fees. Please help me to review there business practices to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted credit bureau to inform them and request that they were several hard inquiries done without my authorization or verification. I explained to them that I had 1st contacted the company that That was responsible for the hard inquiries and at which time they reported there was nothing they can do for me And that if it was fraud I should contact the credit bureau 's. Representative at TransUnion stated there was nothing they can do for me either And that I should contact the consumer finance department and follow report there The following inquiries were made on XX/XX/XXXX XX/XX/XXXX and XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX
Product: Debt collection

I XXXX XXXX is the Original creditor. Pursuant to 15 usc 1692 a ( 4 ) No corporation can validate a debt. Also debt means any obligation or alleged obligation pursuant to 15 usc 1692 a ( 5 ). I am sending in a copy of the letters being sent to my place of abode. In these letters I have marked each violation for review. Please see the attached copies. I have tried resolving this with the collection agencies in which they keep saying this alleged debt is validated. Again how can you validate something you was not there for. Only I the original creditor can validate this alleged Debt. I XXXX XXXX DO NOT validate this debt. I will be filing a complaint with the XXXX  as well as the attorney general. I do also plan to contact the media and release the information in regards to me being the consumer and natural person and my consumer rights as listed by Congress.
Product: Credit card or prepaid card

around XX/XX/XXXX jpmorgan chase shut down all my credit cards without warning and explanation. i never broke any of their terms and conditions. this caused my XXXX XXXX to drop due to the fact that most of my credit line was by them now its very difficult to get approved by other banks. i reached out to them and they left me a message saying something about " unexpected activety so we made a bank decision to end our relationship ''. i tried calling to get a clear explanation but they are not calling me back.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I sent a wire for XXXX XXXX from my Wells Fargo bank in Georgia ref. numberXXXX to an agent who worked for XXXX XXXX XXXX who were sending a consignment ( to one XXXX XXXX ) from out of the country. The agents name was foreign sounding XXXX XXXX and I knew nothing about him except that I was to go through him for XXXX XXXX to get his consignment so XXXX XXXX could pay me back the previous loans he had gotten from me. The day the wire was sent it was confiscated by US Treasury Dept. specially the OFAC ( a terrorist division ). They have held the money since then. They demanded to know XXXX XXXX 's passport, id, etc on this man I was told worked for XXXX. I could tell them nothing. I have been making huge payments per mo. on this loan account numberXXXX of {$720.00}. and still owe over $ 30k. My bank told me I would get the money back with interest but it has not happened. They tell me they can not help me any further. I have written 6 letters and made calls to the XXXX but they do not respond. I need my money back so I can pay off this loan. Also XXXX XXXX has disappeared into the ether and I realize he has been using me in all this via a romance scam on the internet. 

I am a retired XXXX yr. old woman with a small pension and can not afford a lawyer. I need someone to intervene for me. Please please help me. My cell is XXXX and my address is XXXX XXXX XXXX XXXX XXXX, Ga XXXX. I have filed a sherriff report with my county. about XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Should be good credit. XXXX denied loans because of history length of credit on crit report, have reported wrong and duplicate accounts, also reported fraudulent activity, also banks and debt collectors keep renewing and duplicating charges for fraudulent items etc
Product: Student loan

My student loans were deferred while in graduate school and recently became eligible for repayment. I had existing ACH auto debit instructions setup with Mohela, my loan servicer. Upon the end of deferment, only XXXX of my XXXX loans were drafted by ACH. I was misled to believe that setting ACH payments would include all loans. This misstatement resulted in my remaining loans to be late, incurring additional interest. It was only by chance that I logged onto the Mohela.com website to check my loans that I noticed I was one day late. I am signed up for paperless statements and did not receive an email, phone call, text message or other notification that my loan was delinquent. Had I not logged onto the website I would not have known I was late, would have incurred additional interest charges and possibly had a negative impact on my credit score. I confirmed that all my contact information was correct to ensure any communication from Mohela would be received without error. It is clear that Mohela is purposefully misleading students and borrowers about their ACH auto debit practice. This is a misleading, wrongful practice designed to delay payment to the loan servicer. As such, it increases the interest students pay on their loan and generates a larger profit for the loan servicer. If Mohela were honest about their ACH draft policies, they would have sent correspondence clearly stating that not all student loans are enrolled for ACH debit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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 State a Consumer Reporting Agency Can not Furnish a Account without my written Instructions.
Product: Credit card

Background I have been a card holder with American Express for 44 years. 
The company that once claimed a world of service has become the worst credit card company of the many I still use. They generally ignore problems figuring that the customer- card holder will give up, which I usually in fact do with them. 

However, this matter is so outrageous, I forwarded my formal demand for arbitration directly to their legal counsel. I received the identical form rejection letter dated XX/XX/23 refusing to do anything to remedy the obviously fraudulent bill. 

The facts I charged a XXXX XXXX  to my XXXX XXXX card. I declined all extras. I tried to pay a cash toll, but the attendant told me my XXXX  transaction already was charged. 
I tried to pay the $ XXXX total of tolls online after my rental as I always do, but the XXXX  website rejected my payment because it was already paid. 
There was NO XXXX  on the windshield, although some tape remained from something that was once attached. XXXX had left an unlocked, unprotected XXXX  hidden in the back of the closed center console which evidently was able to communicate with the toll facility. 

My investigation with a XXXX XXXX XXXX XXXX  representative informed me that while she had seen many rental car XXXX  scams THIS was a first. XXXX charged me 15x the actual toll.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXXXXXX XXXX XXXX XXXX  Account # 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I logged into my XXXX account on XX/XX/XXXX to see that a collection account from United revenue Corp was added on the XXXX of XXXX. The debt does not state which company it originates from and I also have not received any written notices for this debt. I am in a state of confusion because I truly have no idea where this debt is from and it is damaging my credit.
Product: Checking or savings account

I am writing to file a complaint against Nay Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Equifax has failed to do a proper investigation because if they had they would see this account isnt mine and is result of identity theft. XXXX XXXX is sending letters to my address for the correct owner of this loan which is clearly not my name and put me in danger by using his name attracted to my address. This loan was obtained by XXXX XXXX and used my social without my knowledge.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you cease and desist all communications regarding the collection of debts on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request that you cease all communication with me, as well as with any third parties, regarding the alleged debts listed on my credit report. 

Please take note of the following accounts and items listed on my credit I dispute the validity of these accounts/items and request that you remove them from my credit report immediately. Furthermore, I demand that you cease any and all attempts to collect on these alleged debts and refrain from reporting any further negative information to any credit reporting agencies. 

I expect your compliance with this request within 30 days of receipt of this letter. Failure to do so may result in legal action taken against you and your agency.
Product: Debt collection

Disputed with credit bureaus many times. Merchants medical has yet to provide me with proof of this account belonging to me.