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

Citibank XXXX asks for information " or else '' they close the account. I call and visit the branch nd they say everything is ok. Then they block the account anyway without any notice and all my incoming wires are returned. 

I visit the branch and they tell me to go to a banker, the banker kindly takes me outside and puts me on the phone with customer service. Customer service tells me it's not them it's another analyst and that I have to wait, but that yes, they have received all of my information. 

I ask for names and they cover themselves so I got no names. 

Meanwhile, all of the wires are being rejected and they offer no solutions.
Product: Vehicle loan or lease

This account is identified as being with a bankruptcy. The bankruptcy was dismissed. You need to take off this Bankruptcy from my record to make sure that I don't need to comply with my personal legal rights according to 15 USC Section 1681n or 1681o, which needs your conformity utilizing the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code1666 ( b ) billing errors. The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payment on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly billing errors. Listed below is the account in question : XXXX XXXX XXXX XXXX : {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX recently approved a loan modification which I accepted. In a conversation with XXXX XXXX, the representative, regarding the modification I informed him that XXXX was not reporting my mortgage payments to the credit bureaus. In 2017 XXXX reported to the credit bureaus that I was 3 months behind in payments. This was inaccurate, erroneous and an error on their part. Instead of correcting this error with the credit agencies, XXXX removed my credit history completely. I have discovered that there is no history of my owning property or payments I have made for the last 10 years to XXXX. The representative explained that it is because I was in Chapter XXXX and that if I want to include my mortgage payments in my credit history, I need to write and have them investigate my request. His explanation is an oversight, mismanagement of my account, and failure to provide due diligence. I informed him that XXXX XXXX XXXX WAS NEVER INCLUDED IN THE CHAPTER XXXX BANKRUPTCY. He said that XXXX did not have that information and proceeded to remove my information from the credit agencies based on the information they received from the BK Court. This is simply dishonesty. I have attached the Notice of Intent .... that clearly shows that XXXX XXXX XXXX ( the investor ) was served with the notice that reflects it never had a claim amount and was never paid. The main claimant was my XXXX XXXX XXXX XXXX, and IRS and credit cards. This notice was served to the investor by the BK court so how could XXXX not have knowledge that my mortgage was not a part of the Chapter XXXX??
Product: Debt collection

I have been contacted recently by a debt collector who has threatened to garnish my wages if I do not pay a debt. 

The account was closed in XX/XX/XXXX, and the statute of limitations on collection would have run out in XX/XX/XXXX. I was told " If I do n't start paying immediately, we will garnish your wages. '' This debt is past its statute of limitations, and I 'm being called at work and threatened for a 6 year old debt. 

The amount of the debt has also almost doubled from the amount of when the account was closed, from {$3700.00} to now a reported {$5300.00}. 

I ca n't afford to shrug off over {$5000.00} and they are not allowed to garnish my wages for this old of a debt, please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX To Whom it May Concern : Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Certified letters to  XXXX  and Equifax on   XXXX   XXXX   XXXX   ( I have the receipts ) requesting that they correct  XXXX   XXXX  Loans that were included in my Chapter  XXXX  BK  discharged  on  XX/XX/XXXX . I also sent a fax to Equifax on  XX/XX/XXXX  requesting the correction. They are showing these  XXXX  accounts as delinquent and my credit score has dropped over  XXXX  points. These were private loans ( not student loans ) and co-signer is now responsible. I also sent the bureaus the letters from  XXXX  dated  XX/XX/XXXX  confirming that I am no longer responsible for these  XXXX  accounts.
Product: Money transfer, virtual currency, or money service

I received a message from the bank that I added a person to my contact from XXXX. Later I called the bank to figure out how the contact was added, and they told me that there was no contact added. Then 2 hours later that same contact took money out of my bank account. Then in the same moment as money was being withdrawn from my account I called the back and told them to block the account. The bank blocked the account after the 9th transfer but only cancelled 2 of them. They later told me that I was the one who made the transfer and refused to give me back my money. This happened on XX/XX/XXXX of XXXX  for the amount of {XXXX} and the withdrawals were {XXXX} + $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX {XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquiries on my XXXX XXXX  that I did not do. I have tried to reach XXXX XXXX  and multiple companies to have these taken off. Both of my bank accounts were hacked ( I have went to banks on both of these and they are being handled ) so I know my account was hacked. 
I need these inquiries taken off. 
From dates : XXXX, XX/XX/22 XXXX XX/XX/22, XX/XX/22, XX/XX/22 : XXXX XX/XX/22 : XXXX
Product: Debt collection

I tried contacting the company to get an understanding of the debt because I feel I do not owe anything. The company seeking fund for a gym that did not offer me all services. I called both parties and did not get a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contesting any information on my credit report that is not true or documented accurately by the credit bureaus. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting.I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because it is unsubstantiated. According to federal and state law, Experian, XXXX, XXXX must report any allegation accurately and completely.It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose.If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report.
Product: Debt collection

I recently reviewed my credit report and noticed fraudulent activity on my report, please remove these accounts from my report they are removing my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I called EQUIFAX on XX/XX/XXXX to dispute a XXXX XXXX inquiry on my credit report that I did not authorize from XX/XX/XXXX. I talked to XXXX id number XXXX and he refuse to help me dispute my unauthorized credit inquiry from XXXX XXXX XXXX XXXX. He told me that I have to go file a police report. I was never offered to put a fraud alert on my credit report not even after I brought up that I have fraud alert set up on my XXXX  credit report. I am very frustrated to not be treated the same as a person with XXXX credit score. I should be offered the same services and good customer service too. 

I asked to talked to a manager to get this issue resolved and had to wait over 20 minutes before being told that there is no available supervisor nor manager. Then I was directed to the fraud department I demand that this XXXX  XXXX inquiry be removed from credit report accordingly to section 609 from the Fair Credit Report.
Product: Mortgage

I am filling this claim against my mortgage servicer. They have refused to provide ANY paperwork directly to me, they have been sending all correspondence related to my mortgage servicing to their lawyers office. I have written and spoken several times with them regarding this issue, to no avail. They continue to purposely neglect to send my legal correspondence to me to this date. 

Additionally, they have been manufacturing and applying late charges, home inspection, to my mortgage account on a monthly basis. They have been using the illegal tactic of " pyramiding '' late charges to the tune of {$9400.00} to this date and counting. They have also charged my mortgage account for XXXX of dollars on " home inspection fees ''. And they have charged my account for " legal fees '' paid to their legal counsel and applied those charges to my account, disguised as " late payments ''. 

They have also ruined my credit by posting this criminal entries with all 3 credit bureaus. 

There are numerous illegalities that this company has perpetrated against my person and my families well being. 

Please, look into this companies abhorrent and illegal collection practices.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX  account # XXXX {$4300.00} XXXX. XXXX XXXX account # XXXX {$1700.00} XXXX. XXXX XXXX XXXX account # XXXX XXXX. XXXX XXXX  account # XXXX XXXX. XXXX XXXX XXXX account # XXXX {$3700.00} XXXX. XXXX XXXX XXXX account # XXXX {$160.00} XXXX. XXXX, XXXX XXXX XXXX account # XXXX {$700.00} 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 consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was surprised and appalled to find out that third parties are reporting bankruptcy to the credit bureaus. I was erroneously led to believe that it was the court house and/or Pacer who were reporting to the credit bureaus. So I sent a letter asking how each entity obtained this information. In return, I was told various things from public record or the court court house. 
I immediately looked into this and learned that the NEITHER the Court House NOR the Pacer systems reports to third parties or the credit bureaus.

Therefore these companies fished for information from public records. They then used the fished information to turn a supposed bankruptcy from a private matter to a public matter, which is a direct violation of my consumer rights. Credit Bureaus are NOT supposed to use Public Records for their reports!

I did not authorize any third party reporting of supposed bankruptcy. Furthermore, the claim that the Courthouse or Pacer reported the information to a third party or a credit bureau is fraud.

I demand that the supposed bankruptcy and any accounts associated with it, be removed from my consumer file, immediately. Furthermore, I demand that other third parties and three credit bureaus follow suit.
Product: Credit reporting

Hello, I have an issue with the credit bureaus reporting incorrect information on my credit files which are damaging my credit scores. I have the proof of inaccurate information being placed on my credit files and I 've disputed with Equifax and they 've told lies that they ca n't remove it after I 've told them the information is totally incorrect reporting from a creditor US DEPARTMENT OF EDUCATION I have attached the following proof from the credit bureau who has the correct information reporting
Product: Debt collection

In the attached document in additional information. The response is not clear, on who has my debt. it appears, that someone or a another company has the debt, that are not to have under law. Who has the debt, why did they not notify me that they have the debt, and what if any giving information to any other entity. What other companies have a hold on this debt, has ti been sold and resold to other companies, if so, they have violated several federal laws and XXXX XXXX Laws.
Product: Student loan

This complaint is being filed on behalf of me, the cosigner of my daughter 's student loan with Wells Fargo XXXX XXXX XXXX. ( XXXX # XXXX ) I recently contacted Wells Fargo XXXX XXXX XXXX ( XXXX ) to discuss the final payment of my daughter 's ( XXXX XXXX XXXX ) student loan, after my daughter informed me that she would be laid off from her job at the end of this year. She currently owes {$14000.00} on the loan. During my discussion with XXXX, to settle her debt, they asked me if my daughter had graduated. I told them that she had in XXXX ofXX/XX/XXXX. To which I learned that my daughter would have qualified for a. 0.25 % interest rate reduction on her loan if she had graduated, under their " Wells Fargo XXXX XXXX XXXX program. '' However, because she had failed to inform them that she had graduated, XXXX continued to charge her an additional .25 % interest and they refused to back date the graduation benefit to the date of her graduation when I offered to settle her debt. I then asked XXXX if they had told her about this benefit that she would have qualified for and they informed me they had in a letter they claimed they had sent her at the time her loans became due for repayment. I then asked XXXX to provide me with that letter. 

Later, In a letter sent by them on XXXX, XXXX sent me a response and they only included a copy of my daughter 's original final loan disclosure ( dated XXXX ) which made no mention whatsoever of her eligibility for a .25 % interest rate reduction upon graduation. I then contacted the representative who sent me this letter about it and, to date, he has not returned my call. 

If, as I suspect, XXXX never informed my daughter of her eligibility for this graduation benefit, then shouldn't she have been entitled to it from the very first date she had graduated? Furthermore, it should be pointed out that my daughter had also taken two other student loans from Wells Fargo, both of which she faithfully paid off - and both loans probably would have offered her this graduation benefit - yet, I also suspect that XXXX failed to notify of this benefit on those as well. This means that my daughter most likely paid additional interest and fees which she otherwise would not have been obligated to pay. 

I am only seeking to pay off my daughter 's final student loan - but only at the amount she would have been obligated to pay if she had in fact been properly informed of her eligibility for this graduation benefit in the first place. Furthermore, it seems to me that offering a graduation interest rate reduction benefit on condition that you notify XXXX of your graduation - and then failing to tell the individual that they were eligible for it to begin with is at the very least a highly unethical - if not, fraudulent act in my opinion. If so, then it means XXXX is collecting thousands ( perhaps millions ) of dollars in interest that a lendee would otherwise not have been obligated to pay. 

I would greatly appreciate any assistance your agency could provide in investigating this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

BMG MONEY / XXXX  is responsible for XXXX I challenged interest rates and they agreed. Later down the line they noted my account 30 days delinquent from when I challenged interest rates and they agreed to change it XXXX $ less. I paid every month through allotment and now their coming to collect additional funds in another way from the XXXX $ difference they agreed to accept. 
BMG Money does not offer loans to residents of XXXX XXXX XXXXXXXX. This is likely due to XXXX XXXX stringent usury laws, which cap annual interest rates at 16 % for most loans, rendering higher-rate loans illegal. 

As of XX/XX/year>, BMG Money has adjusted its lending practices in certain states. Specifically, loans to residents of XXXX XXXX XXXX XXXX XXXX are now made by BMG XXXX XXXX XXXX, whereas loans in other states continue to be made by XXXX. 

While there is no public record indicating that BMG Money was explicitly prohibited from operating in New York, their exclusion of New York residents from loan offerings suggests a voluntary compliance with the states regulatory environment.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 an account without my written instructions.

According to : 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.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I have made several attempts to have this issue resolved. I Certified Mail was sent on several occasions.
Product: Credit card or prepaid card

we were due to cruise when covid happened. we left the monies on the account with XXXX. ruises until we discovered that we could only cruise if we had the vaccine. we then adked for a refund from XXXX XXXX line. they did the refund in 4 transactions and i spent hours and days over 2+years trying to locate the money. when i finally found that XXXX XXXX had refunded it and contacted Barclay bank and gave them dates and transaction numbers, that should have been the end of it. 3 months later and many hours of phone time later, and > I still dont have my money refunded and today alone was told that it would be the XXXX of XXXX and then the XXXX of XXXX. Good frief, they cant even get their lies straight! Can I get help getting my money and, can I charge them interest on the monies held?
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USED MY MY PERSONAL INFORMATION TO OPEN THIS FRAUDULENT ACCOUNTS IN MY NAME THAT I WAS NOT AWARE OF OR APPROVE I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA 'S On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries and i have asked for them to removed and the bureaus did not do as i asked i am providing a identity theft report and i am requesting them to be removed because they are inaccurate and not mines. 

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
Product: Mortgage

Dear CFPB : I have a HELOC loan with Huntington National Bank. AccountNumber XXXX. Back in XX/XX/2023, Huntington National Nank asked me to provide flood insurance for the property. I called them and uploaded all of the required proof of insurance and the Huntington representative told me that I am fine with the insurance requirement. However, today I just found out my HELOC was charged {$830.00} for insurance that I didn't authorize to pay. I didn't get any notice or warm for this charge.

I tried to call Huntington National and was told the customer service of their HELOC department is not working on the weekend. 

Hope CFPB can help solve this issue on the unauthorized charge. 

Thanks a lot! 

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

I have the ongoing victim of identity theft. I monitor my credit bureau reports and have had credit accounts taken out under my name. Ive notified the creditor and credit bureaus as well. The actual creditor is not removing the fraudulent account from my credit report and the credit bureau is ignoring my federal rights under the FCRA section 605b asking that fraudulent information be blocked from reporting on my credit file but instead only resubmitted the information to the creditor who then re verified the information and leaves it in my credit profile as a derogatory account. 
I have enclosed my current copy of my valid police report to substantiate my identity theft case. I have also filed a Identity Theft report with the FTC. The account is a XXXX account through XXXX Bank XXXX.