23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I initiated a wire transfer of {$10000.00} from my Citibank account to XXXX via XXXXXXXX XXXX On XX/XX/XXXX, XXXX requested verification, but Citibank failed to notify me despite having my updated contact information. 

On XX/XX/XXXX, I made multiple calls to Citibank, but their representatives did not inform me of the verification request, leading to unnecessary delays. This failure to communicate caused significant inconvenience, financial harm due to missed investment opportunities, and additional costs for international calls. 

I request a formal explanation for these failures and compensation for the financial and time losses incurred.
Product: Checking or savings account

On XX/XX/XXXX, I went in to Citibank located at XXXX XXXX XXXX in XXXX. When I went in to use the ATM there was several people standing around the ATM. Two men were using the machine left and right, leaving the middle ATM open. While standing online I ask the lady in front of me was she waiting to use the machine. She did not respond and moved to the side allowing me to use the ATM in the middle. I attempted to use the ATM putting my information in the machine and notice it was not working. The man on the left of me told me the machine worked and grab my card to show me that the machine worked by tapping it. When I looked up at the display my account was on screen and the man switched the card and handed me back a bogus card. I learned the following day that over {$48000.00} was withdrawn from my account through multiple transaction. There were over 40 transactions and the bank did not notify me nor send me an alert for the unusual activity that was happening on my account. After noticing these activities I alerted the fraud department on XX/XX/XXXX, a day after and the bank has not refunded my money nor given me a temporary credit for these fraud transactions.
Product: Bank account or service

On the nigh of XXXX/XXXX/2016 to XXXX/XXXX/2016 it appeared that Suntrust reorganized my transactions to create more overdraft fees that there should have been had they be posted in the order received.
Product: Checking or savings account

on XX/XX/XXXX we wrote a check to XXXX for {$5000.00}. this check was sent to them, but someone intercepted the check and cashed it at XXXX XXXX XXXX XXXX XXXX XXXX  realized the mistake and contacted the other account holder on this account. He then contacted Well Fargo bank, to let them know that this check was cashed fraudulently and filed a claim with Wells Fargo. He passed away in XXXX, so I had to step in to finish everything and when I called Wells Fargo they said that I needed to re-submit the claim which I did in XX/XX/XXXXXXXX XXXX Since this time I have been in contact with Wells Fargo looking for information on this claim and keep being told that they are looking into it and will get back with me. as of XX/XX/XXXX I still have not gotten any answers from them and they have not been consistent about returning my phone calls.
Product: Mortgage

PHH Mortgage is now servicing my XXXX XXXX XXXX XXXX  They are responsible for the terms of loan and the data on the loan. First they was told me I was in default because XXXX XXXXXXXX XXXX applied my XX/XX/year> payment ( which I made in XX/XX/XXXX, ahead of time ), to principal reduction.. Banks do this because they can then start a foreclosure process saying that I never paid the monthly payment even though I paid it in advance. Now theyve added a random assessed expenses fee to my monthly payment. They can not just do that, thats called predatory loan servicing. I know this because I worked at the FDIC and I helped create the CFBP. Please see the attached statement. They added the fee of {$.00} to my monthly payment calling it excess expenses because I reported them to you for having inaccurate data and telling me I was delinquent on my loan. They are a predatory loan servicing company that needs to be investigated by the CFBP, the FDIC, and the office of the comp controller. They wrote me several letters after the correction was made, but never admitted to the mistake, even though I pay the mortgage in advance. They blamed the whole thing on XXXXXXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

In reviewing my account I noticed that the information that is listed on my credit reports is extremely inaccurate in various fields. While I understand mistakes can happen unfortunately when it comes to financial data and credit reporting this is one industry where mistakes can cost the bearer extreme harm and distress. I request that the correct information be sent to XXXX, XXXX, and XXXX immediately so that they can update their records accordingly : Balance, Past Due, Last Reported Date, Date Last Active, and Date of Last Payment. 

Additionally there are several late payment indicators listed, which make no sense as to the best of my knowledge all payments have been submitted on time. The following reporting periods need to be corrected as paid on time and the late payment indicators removed : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. It merits mentioning again, although I understand mistakes can happen the fact remains this misreporting of information to my credit report has caused me serious harm and also constitutes a violation of federal law, specifically 15 USC 1681s-2 ( a ) ( 2 ) to name just ONE of the violations. 

This dispute will serve as notice of the inaccurate information that is on my credit reports for this account as well as the opportunity for your company to correct them without any additional action/enforcement on my behalf. The account information on the account in question is listed below : Truist Bank : Account # XXXX I have attached a copy of my ID and billing statement for verification purposes.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXXXXXX XXXX Account Number : XXXX Balance : {$5500.00} Reason : I am disputing this account as it does not belong to me. I have no record of entering into any agreement or contract with this company, and I believe it may have been reported in error. Please investigate this matter and remove it from my credit report if ownership can not be verified. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$310.00} Reason : I am disputing the missed and late payments reported on this account. I kindly request that you provide detailed statements and records of all payments made and missed since I opened the account. 
I also disagree with the results of your investigation. Please mail me the documentation supporting your investigation and proof of the negative payment status for this account. If you can not provide this evidence, I ask that you delete the negative information associated with this account. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$280.00} Reason : I am disputing the missed and late payments reported on this account. I kindly request that you provide detailed statements and records of all payments made and missed since I opened the account. 
I also disagree with the results of your investigation. Please mail me the documentation supporting your investigation and proof of the negative payment status for this account. If you can not provide this evidence, I ask that you delete the negative information associated with this account. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Balance : {$38000.00} Reason : I am disputing the missed and late payments reported on this account. I kindly request that you provide detailed statements and records of all payments made and missed since I opened the account. 
I also disagree with the results of your investigation. Please mail me the documentation supporting your investigation and proof of the negative payment status for this account. If you can not provide this evidence, I ask that you delete the negative information associated with this account. 


status for this account. If you can not provide this evidence, I ask that you delete the negative information associated with this account. 
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  The items in question are either inaccurately reported or have already been resolved. I request a thorough investigation and correction of these inaccuracies. Despite my efforts to contact the credit reporting agency and the data furnisher, the issue remains unresolved. 
I have attached supporting documentation, including screenshots of my credit report, to highlight the inaccuracies and substantiate my claim. 
Please investigate this matter promptly and update my credit report to reflect accurate and updated information.
Product: Credit card or prepaid card

I have tried to file this over the phone but it did n't work. I am near a public library now and am able to attach this  Macy 's card that I have made at least 15 calls about and been called a liar, received two ( emails from Macy employees -- one was nice  the other did n't even speak, just sent an attachment? like I would open that on a friend 's smartpho ne? ). ( see  attached, ca n't locate email from  XXXX   XXXX  -- he was pleasa nt ) The following days after contact from Macy 's  personnel, I received offers to use m y Macy  's card that there was {$50.00} credit on it for me. ( see attached ) I am sick of them. I know their company is doing badly but leave me out of it. DO NOT SEND CARDS AND THEN YOU CA N'T USE THEM.     That is wrong and tell me you tried to reach me but n o one ans wers. I do n't have a phone, you silly geese. You  CAN survive as an ID Theft victim without one an d it is better.
Product: Payday loan, title loan, or personal loan

XXXX XXXX I switched my direct deposit from one bank to money lion ( XXXX XXXX  XXXX thinking it would help me with cash advance as advertised but it did not for 1 months I waited thinking would be able get cash advance still got nothing so I contacted them. They couldn't give me reason why I couldn't get a cash advance so I asked to speak with a XXXX on 3 different occasions just never got call back from anyone. So few days later I called them back finally spoke with a rude XXXX that couldn't give me a real reason she told me they couldn't identify me but my direct deposit goes to they bank along with my socal # address and all my info but they couldn't identify she says. I asked her if i could cancel my account she told me I had pay interest on loan that was never completed. Won't let me cancel until I pay interest charges
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft this is why all of a sudden there are XXXX XXXX inquiries, but they're not from me. I've reached out to each and every one of these banks they're aware of the fraudulent activities, but they said that it was up to the credit union to remove the inquiries. That you would reach out to the bank, and they will confirm that they were fraudulent and all of these inquiries below would be removed from my credit report and I know what you're gon na say. These were reported to you yes by criminals who were trying to open credit accounts without my permission, but these are not my credit inquiries I didn't apply for any of these cards XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX XXXX bank XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX My name is XXXX XXXX XXXX That is my only name. Any other variation of my name was submitted to the credit bureaus fraudulently to attempt to open lines of credit without my permission. XXXX XXXX is the only name that should be listed on my credit report nothing else. All other names all other combinations or versions of my name should be deleted and again I know somebody reported them to you. That was the criminal who was trying to open illegal credit cards fraudulently please remove all of the versions except for XXXX XXXX. 

For the XXXX XXXX years I have lived at XXXX XXXX XXXX XXXX, XXXX, MI XXXX before that I was still living at home in Missouri. XXXX XXXX XXXX XXXX is my home address and the only address that should be listed on my credit report. Any other address was submitted to you fraudulently. I was a victim of identity theft, and all other addresses were being used in the attempt to open lines of credit without my permission All other addresses except for XXXX XXXX XXXX XXXX, XXXX, MI XXXX should be. Removed immediately as fraudulent feel free to check with my credit cards. That's the only address they have. 


XXXX {$10000.00} and {$2500.00} transactions on the card are fraudulent. The bank has not performed a proper investigation. 

XXXX XXXX XXXX card is not closed. The account is still open with {$1000.00} credit limit. 

XXXX both XXXX 's and XXXX 's credit cards are still open and active. Not sure why they're being reported as closed. They are not closed.
Product: Debt collection

This bill was from XXXX & XXXX  from years ago. I have rectify this bull on multiple occasion with XXXX XXXX XXXX where I called them and explained and spoke to them about how the debt is resolved through my trade in. 
This has already been attempted to be collected from a previous company and failed to do so because the debt isnt owed to them. I have resolved this and XXXX XXXX XXXX  acknowledges the debt as not being owed by me as they have already forfeited on claiming that I owe it. Now due to the previous company not being able to resolve it and has now sold the debt to possibly a new company which is ruining my credit from a paid and already resolved issue.
Product: Credit reporting or other personal consumer reports

I dispute credit report at Equifax. which is in XXXX the company put me in derogatory mark is closed report dispute approved but when I dispute through equifax 2 times and equifax still wanted my orove identity and proof of SSN which is I attached. I disputed because of not my debt someone could be use my information. But for some reason without telling me put my address in my driver license on credit report, which is I never use that address dor mailing address. and in equifax still I have one derogatory mark. I dispute it that credit report. I feel equifax just wanted money that they said if I am subscribe the credit monitoring they will help me. I dont want it.
Product: Debt collection

I would like to sign a complaint against XXXX  phone company. XXXX has reported on XX/XX/2020 that I owe the company {$1900.00} and that is not true I do not know who ordered this phone I have reached out to XXXX XXXX  & ERA Collection agency and they have made it clear that this problem is in collections now and need to be paid in full I have tried to explain that I have never Used this service before and I would like a full investigation if possible.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX Account # : XXXX XXXX XXXX  XXXX Account # : XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXXXXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

Subject : Notice of Equitable Interest in Trust Account and Request for Documentation Dear [ National Credit System ], all representatives/trustees, Greetings, I hope this correspondence finds you well. I am writing to address the matter of the account [ XXXX ] currently in collections under your management. I, [ XXXX XXXX ], am the beneficiary of the [ XXXX XXXX XXXX XXXX XXXX ], and I assert my equitable interest in the account in question ensuring my rights and interests are duly protected. Maxims of Equity states : Equity regards the beneficiary as the true owner. 

While I acknowledge and appoint [ National Credit System ] as the trustee of this account, it is imperative that we ensure proper documentation and legal standing in this matter. I kindly request the following information : Original Trust Agreement : Please provide a copy of the original trust agreement governing the account to verify the legitimacy of the debt collection. Everything is a trust. How? Because everything is an agreement and if anything has my name on it thats a legal title of my estate such as my credit report. Credit means trust based on etymology and report is property of my estate. 
Legal Title : Confirm the legal title and interest you hold in the property associated with the trust. Verification of this information is crucial for the transparent resolution of this matter. 
In addition to the above, I request the following actions to be taken : Maxims of Equity states : Equity does not punish Reporting this account to credit reporting agencies are not beneficial and instead is a punishment to the beneficiary. This is considered adverse action. I requested the following items : Consideration for the Contract : Detailed information on the consideration provided by [ Nelnet ], as consideration is a crucial element of a valid contract. 
Removal or Settlement : If [ National Credit System ] can not provide the requested documentation, I request the immediate removal of the account from collections. Alternatively, if the debt is legitimate, please provide instructions for settling the account in accordance with your fiduciary duties. 
I appreciate your role in protecting and managing the property associated with the trust. As a crusader for my equitable interests, I am now actively involved and assert my right to reclaim my property. I kindly ask for your cooperation in resolving this matter promptly and transparently. We are requiring you to rectify all damages made to the credit profile of ( XXXX XXXX ), more specifically, immediately remove the collection off account and settle the alleged obligation within 14 days. 

Thank you for your attention to this request. I look forward to your timely response. 

Sincerely, [ XXXX XXXX ]
Product: Debt collection

XX/XX/XXXX I call the front office at XXXX XXXX XX/XX/XXXXin XXXX IL. The lady said hold on why she talk to a XXXX and got back on the phone and said yes you can pay it late just bring the late payment as well. My rent was XXXX plus XXXX dollars late fee. As I get to the front office they denied even speaking to me on the phone and refused to take my money. And sent me to eviction court they knew I had a sick child that just got out the hospital I just started back working but I had XXXX kids and going threw a lot I was never behind just paid it late sometimes even with the late fees. I want to buy a house and cant because of this on my credit. Im on public housing now. I dont live in the state of XXXX IL anymore.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 

XXXX XXXX balanced {$4500.00}
Product: Credit reporting or other personal consumer reports

Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to identity theft. The dispute inquiries and information do not belong to me. Im attaching the required FTC Report # XXXX for you. Please remove these items. If you feel there is a possibility these inquiries and information belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each of the items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act : 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 XX/XX/XXXX XXXXTRANSUNION : 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