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

My is XXXX, I am a POA Attorney in fact to these two account numbers, XXXX and XXXX. 

Since last XXXX, XXXX XXXX was helping to add my name on the accounts successfully as a POA attorney in fact but soon as everything completed she left your bank to joined XXXX. Before I left XXXX early in XXXX, she and I were discussing to find the best solution to move the money to XXXX. Finally she thought issuing check books and let me write them out and cash in through my bank account in XXXX was probably the best way to do so.

However, once the checks reached Citibank in USA but not at branch in XXXX and no one at branch knew anything about it. The checks were returned to my bank unpaid with no explanation and I was charged for returning fees. After I finally be able to reach the branch mgr via email and telephone call and we then started to discuss on how to solve this issue immediately but sadly the personnels who assigned to help me did not seem to understand the situation fully. 

I also send an email to wire transfer dept as I was told but no one reply my email and it has been more than 6 days as we speak. Before I sent the email I called the wire transfer number that was given to me a couple of times and last time I called I was put on hold for 4 hours and because time difference I had to stay up all night to get nothing done. 

The reason that send this complaint because I believe I did exactly as I was told but yet I can not access my accounts as a POA attorney in fact. 

Please recommend how to proceed forward from here on out. 

Best regards, XXXX XXXX Cellphone Number : XXXX p.s. please find attachment files on this issue.
Product: Debt collection

I disputed some item on my credit report, via letter, that, I believe is not mine, and asked for validation, which is due within 30 days. I received a response saying the accounts were verified, but nothing showing how the accounts were verified and validated. According to the laws, validation is required within 30 days or the accounts has to be removed. Accounts reference is : XXXXXXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX? 
XXXX XXXXXXXX XXXX Account # XXXX I opened a case in XXXX ( case # : XXXX ) and still yet to hear anything back regarding validation. I have waited patiently and would like answers. It has definitely been over 30 days and according to the law, the accounts has to be removed.
Product: Mortgage

Borrower applied for COVID forbearance modification but Carrington denied all retention options including a traditional modification and/or COVID partial claim
Product: Credit card

BMO sent new cards that I should be able to activate online. However, there is no online option to activate new cards. I submitted a request online for instructions, but received erroneous instructions instead. The only option available online is to change a PIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were Unknown - XXXX, and XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my reportXXXX XXXX XXXX {$810.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$33000.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payments listed on my credit report. Upon careful review of the information, there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for these accounts. Please update and correct the accounts below : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ...., 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

You are reporting inaccurate and incomplete credit information. The credit report you provided shows a history of payment or payments being made late that are not proven and are incorrect. To whom it may concern my name is XXXX XXXX XXXX I was a victim of the ravages of XXXX.I was hospitalized for an extended amount of time, while I was hospitalized with XXXX, an agreement was made with the XXXXXXXX XXXX under the Cares Act, therefore the account was never late.Please remove all late payments from this account, and please also send me out a corrected copy of my credit report to the address listed below
Product: Debt collection

I Spoke with an agent in XX/XX/2022 and explain to him that I have no knowledge of this Collect and that my identity was stolen. He continue to talk over me and still pin this collection on me and was very rude. And I told him I will call XXXX. Because he was just rude and communication skillls was really bad.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX, has violated my rights. 

1 5 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. 1 681s-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: Credit reporting, credit repair services, or other personal consumer reports

In XXXX my XXXX XXXX XXXX XXXX was put into covid forbearance. When it came out I paid back payments of XXXX to bring it current. For the time it was in forbearance my credit report shows XXXX  on XX/XX/XXXX shows 180 days late which is stopping me from refinancing this mortgage and my first mortgage with any bank or mortgage servicer. I reached out to Bank Of America for help they refused to change the rating. This is an adjustable rate home equity loan I tried to get them to change it to fixed but I was told it would be higher if I did that. I would just like to move on from this and restructure my current finances. This complaint is also for my husband XXXX XXXX ss XXXX. XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In response to a letter received, dated XX/XX/year> from TransUnion LLC ( see attachment ) in response to my initial request ( XX/XX/year> ) for an investigation into several inaccuracies in my credit report which is hindering my ability to secure a mortgage and credit in general. As of today ( XX/XX/year> ) these inaccuracies still remain. 
Example : Acct # XXXX In pymt. history charge/off is reported in XXXX XXXX XXXX XXXX & XXXX which is defined as re-aging an is prohibited by the FCRA
Product: Debt collection

The debt was billed to wrong insurance thats no longer open. Therefore didnt get paid and sent to collections. I called collections and told them that and that the debt is {$0.00} at the business office. The representative stated would not contact business office and that I was past the date of something? which I didnt understand. She stated they would not contact business office to verify the bill is now {$0.00} balance
Product: Student loan

This private lender servicer ( Firstmark ) is not applying payment principal correctly. I've asked them twice to tell me why the amount applied to principal for every payment varies so widely. For example, the last two payments were made within a day of each other : 1. XX/XX/20 payment : {$120.00} principal, {$42.00} interest 2. XX/XX/20 payment : {$83.00} principal, {$86.00} interest They then sent me a standard response about how they calculate. Using their own computations, I can't get the distribution above. 

This is just two examples. 

My daughter borrowed {$8300.00} originally from XXXX XXXX XXXX. Then they " capitalized '' thousands of dollars in interest, and now my my daughter owes more than she initially borrowed. This is a travesty - she attempts to improve herself with a great education, and she ends up owing money to legal loan sharks. 

Please help her and me. I am a co-signer for her loan. 

Thank you. 

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

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT XXXX and I included it again. Kindly correct the following accounts 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 card or prepaid card

On XX/XX/XXXX I looked at my unemployment account to check the balance. At XXXX on XX/XX/XXXX there was {$200.00}. Now on the same day at XXXX I looked again and noticed that XXXX dollars was taken and there was a XXXX ATM inquiry ). So I emmidly contacted Bank of America where the account is and reported fraud. The lady I spoke to said that they will send out a new card and that the one I got will not work. So i ask if there was anyway that I can get it ASAP, she informed me that there's a 7-10 day period. Well this is my only income source so she said that she can expidt it to 3-5 business days. Well the new card got here about seven days after the conversation I had with the customer service representative. So I went to activate the card and now I find out that my account has a freeze on it/closed. I was not informed of any of this activity. So now this is the problem I'm having, I have been back and forth with the unemployment office and Bank of America for one month now and I have gotten NO NOTHING as of answers to why I'm being punished for the act of a hacker that stoled money out of my account. That I can not see any of my statements, I can't even get on the account. Like I said " THIS IS MY ONLY SOURCE OF INCOME '' and now it's been a month and I'm down to eating roughly every two days one meal. And my dog may have to be sent to the pound cuz they are holding my money for I NO REASON AT ALL. I'm sorry but where I come from, that is so unfair that I breakdown every night now cuz it is so overwhelming that I'm at a lose of direction .... Please if there is anything at all that you can do, I will be so grateful My contact info is ; XXXX XXXX XXXX XXXX XXXX XXXX. 24hrs a day Email ; XXXX,,,, and I think you for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

this credit card was paid in full reporting incorrect balance and lattes please remove this from my credit file with all credit bureaus.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to XXXX XXXX XXXX XXXX XXXX XXXX ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$910.00},, XXXX XXXX XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$270.00}, XXXX XXXX XXXX XXXX XXXXt # : XXXX date opened XX/XX/XXXX bal. {$180.00}. 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX  days of receipt, as this has been ongoing for over XXXX months.
Product: Credit reporting or other personal consumer reports

I request the removal of these inquiries, as I lack any knowledge regarding them, and the company conducted them without my consent.
Product: Checking or savings account

I got a mail from Citibank with a reference number XXXX. Basically it tells my citi checking account will be closed. It didn't explain the reason but leave a contact phone number XXXX letter is generated on XX/XX/2022. I got it in mailbox after XXXX holiday. I called the phone number on file multiple times on XX/XX/2022. The representatives are really vague. They asked me to call different number to get transferred to corresponding department. I've been asked to call on XXXX, XXXX, XXXX, XXXX. It's endless loop to being transferred. Many agents give a number of XXXX named Security Team. But they are only open on Monday to Friday. I called them on XX/XX/XXXX, Monday. The representative tell me to go to a local branch to solve this issue. I did emphasis that it's a XXXX hours oneway driving from home to nearest local citi branch so that I don't want to waste time if going to branch won't change anything. He promised that the branch can handle my case and gave me the same reference number XXXX. I arrived in citi branch around XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. The banker also know nothing about my case. She helped me to contact customer support through internal line but still didn't get answer. I called the same number XXXX on my phone. The agent over phone saying it's not her department to deal with my issue. Based on her instructions, the banker find the description in citi system that my account with manual review and must be closed. Still I got no specific reason. I got mad because the fact Citi fooled me. They asked me to come to a local branch over the phone but to be proved just waste of time. I wasted hours of calling over phone and XXXX hours of driving round-way due to Citi 's fake promise. This is completely fooling customer.
Product: Credit reporting or other personal consumer reports

XXXX*Subject : Urgent Dispute : Inconsistent Reporting of Closed Account by XXXX XXXX XXXX Whom It May Concern, My name is XXXX XXXX XXXX and I am writing to formally dispute the inaccurate reporting of a closed installment account with XXXX XXXX XXXX XXXX amount of {$250.00}. This account is being reported inconsistently across the XXXX major credit bureaus, as follows : - **TransUnion** : Account # XXXX - **XXXX** : Account # XXXX - **XXXX** : Account # XXXX Despite my XXXX complaints, these credit bureaus continue to claim that the account is " verified, '' yet they are clearly not reporting the same account number, which is a blatant violation of the Fair Credit Reporting Act ( FCRA ). Specifically : 1. **FCRA Section 609** mandates that credit reporting agencies provide the consumer with all information in their credit file, including account numbers. The discrepancies in the reported account numbers violate this provision.

2. **FCRA Section 611** requires credit reporting agencies to conduct a reasonable investigation into disputed information. Given the clear inconsistencies, the continued reporting of this account without accurate information shows a failure to conduct a reasonable investigation. 

3. **FCRA Section 623** requires furnishers of information, such as XXXX XXXX XXXX XXXX report accurate information. The discrepancies across the credit bureaus suggest that XXXX XXXX has failed to fulfill this obligation. 
Furthermore, this situation aligns with the case law established in *XXXX XXXX XXXX XXXX XXXX XXXX XXXX where it was determined that credit reporting inaccuracies that are not rectified after notice are a violation of the FCRA. There is only XXXX data furnisher { XXXX XXXX } of the stated tradeline so, if the furnished data is not 100 % consistent across all XXXX reporting agencies it is INACCURATE! 
Given the ongoing violations and the severe impact this incorrect reporting has on my credit, I intend to escalate this matter. If this issue is not resolved promptly, with the removal of this erroneous account from all three credit bureaus, I will file a claim with the Attorney Generals office and pursue legal action against all parties involved for non-compliance with federal law. 
I demand a written response from a real person, not a computer-generated reply, outlining the steps that will be taken to resolve this issue. Please be advised that I expect your response within 15 days from the receipt of this letter. 

Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

Its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regard to a late payment. They have not supplied this information, and they must delete the alleged late payments on my credit report. Under federal law, they had 30 days to complete the investigation and by failing to do so the item must be deleted from my report as soon as possible.
Product: Credit reporting or other personal consumer reports

I have XXXX student loans that were transferred to XXXX from the US Department of Education or XXXX, but when I look into my credit report there is a different name that I have never heard in my life ( XXXX XXXX XXXX ). Model is no longer showing on my TransUnion credit report. My student loans needed to get off my credit report and forgiven because I filed bankruptcy and it is still on the credit report.. I called the company for this information or to get this remove, I called XXXX and they would not help me about this issue. I requested these charges to be remove from my credit and I received an email stating I requested the dispute to be remove but when I called they tell me that this was not done and the investigation was completed within XXXX days. They said the information is true and accurate.
Product: Debt collection

Debt Collection for an account and equipment that was created with XXXX  created in XXXX. 
Location of the identity theft was XXXXXXXX XXXX 
An original debt collector withdrew the debt collection in late XXXX since I disputed the debt as Identity Theft. 
This new debt collector notified me and gave me information on how to contact XXXX to dispute the debt which was completed in XX/XX/XXXX. 
The new debt collector " SOURCE RECEIVABLES MNG '' put a collection record on my credit report. 
The collections action was disputed with the Credit agencies on XXXX. 
The Debt collector refuses to remove the collection actions.
Product: Credit reporting or other personal consumer reports

In accordance to the fair credit reporting act this creditor has violated my rights under 15USC1681 section 602 states I have the right to privacy, 15USC1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions, Under 15USC1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has violated my rights as outlined within Section 604 of the Fair Credit Reporting Act. I never authorized this company to pull my information. Please remove this inquiry from my credit report.