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

Citibank froze my checking and savings accounts and forced me to set up new Citibank accounts. I could not access the frozen accounts online. I also could not go to a Citibank branch to handle the frozen accounts because there are none in XXXX. The closest branch is in XXXX. I was forced to open the new accounts over the telephone. All of my disposable funds to pay my mortgage and credit card accounts were in the frozen checking and savings accounts. Most of my monthly direct deposits went into the frozen checking account because it would still accept deposits, but not withdrawals. 

On XX/XX/2018, I tried to set up the new Citibank accounts over the telephone, but the Citibank Fraud Department said that I would have to go to the nearest branch. I told them that the nearest branch was in XXXX! I asked them if they really expected me to buy a plane ticket to fly to XXXX to set up new accounts so that I could transfer money out of my frozen accounts. XXXX, a Supervisor in the Citibank Fraud Department, said Yes that is the only way.

I was shocked!!!! Does Citibank really understand how ridiculous and unreasonable this requirement is? XXXX would not even let me speak to his Manager when I asked. By this time, I had spent 245 minutes on the telephone with Citibank at a cost of {$28.00}. I still can't believe what happened to me and the totally unacceptable customer service that I received from Citibank. Without a doubt, in all my 50 years of banking and dealing with investment and financial services companies, this was the very worst customer service experience I have had. It has been a complete nightmare. It is disgraceful that a world-class bank can not treat their preferred clients better.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXXXXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] [ XXXXXXXX XXXX XXXXXXXX ] [ XXXX ] [ XXXX ] [ Date : XX/XX/year> ] [ Equifax ] [ Attn : XXXX XXXX XXXX  ] [ XXXX XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXXXXXX ] Re : Final Notice of Violation under the Fair Credit Reporting Act ( FCRA ) and Demand for Compensation Dear Equifax Dispute Resolution Team, I am writing to formally address the ongoing and unresolved issues concerning the inaccurate, false, and fraudulent information being reported on my credit file. This letter serves as a final notice of violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate reporting of consumer information. 

For more than 81 months, I have been subjected to the continued presence of false reporting on my credit profile. Over the past XXXX months, I have diligently disputed these inaccuracies, presenting viable proof on multiple occasions that clearly outlines the errors in your reporting. However, despite my repeated efforts to rectify this situation, the first human-written correspondence I received from your office was not a resolution but rather a demand for me to identify myself once again. This correspondence dismissively labeled my dispute as frivolous. I take offense to this characterization, as it is evident that the persistent allowance of false and fraudulent reporting on my credit file is anything but frivolous. 

Your organizations failure to conduct a thorough and fair investigation as dictated by the FCRA has contributed to significant harm to my credit standing, resulting in missed opportunities and considerable distress. Accurate reporting is not merely a regulatory requirement ; it is an essential aspect of maintaining consumer trust and financial integrity. 

Under the provisions of the FCRA, I am entitled to have my disputes investigated and resolved in a timely manner based on verified information. The lack of proper response from Equifax regarding my well-documented concerns continues to be unacceptable. As such, I am compelled to demand compensation for the damages I have incurred as a result of this negligence. 

I seek an amicable resolution to this matter and request compensation in the amount of [ XXXX ] as a demonstration of good faith to resolve this issue without further escalation. I believe this can be settled amicably, and I am hopeful that we can reach an agreement that acknowledges the severity and impact of this situation on my financial well-being. 

Please respond to this letter within 14 days of receipt with your proposed resolution. I wish to resolve this matter positively and hope to avoid further actions, including but not limited to reporting this issue to the Consumer Financial Protection Bureau ( CFPB ) and considering legal recourse to protect my consumer rights. 

Thank you for your immediate attention to this urgent concern. I look forward to your prompt response. 

Sincerely, [ XXXX XXXX XXXX ]
Product: Mortgage

I applied for a VA mortgage loan as a single applicant with Pulte Mortgage back in XX/XX/2020. My loan number is XXXX. I currently live with a living partner of many years. Although I received a conditional preapproval, the current process has reached a stalemate. At the moment, Pulte Mortgage wants to pull credit and assess debt of my living partner into my debt to income ratio. Essentially, they want to force my mortgage application to be a joint application instead of a single application. I do not want my living partner included in my loan nor her debts added into my loan process since we are not married officially. I feel Pulte Mortgage is to coerce me into something that is not legally warranted or obliged. This practice may violate their ethical business practice. Additionally, I feel discriminated against my marital status. Please investigate further. Thank you.
Product: Mortgage

The date of last activity on this account was XX/XX/XXXX. Compass is illegally reporting 120-180 day  lates through XX/XX/XXXX. I have tried to resolve this a few times through the credit bureau dispute process and Compass just ignores my request for correction. See screenshot of my credit report attached
Product: Credit card or prepaid card

It was sometime last week I recall no it was early this Monday the XXXX I know my credit needs help that's the entire point I tried capital one for low credit score to help rebuild ( not approved ) not right at all
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE THIS FRADULENT HARD INQURIES
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been fighting to rectify fraudulent activity, names, addresses, social security numbers, accounts, returned equipment to XXXX, utility bills and addresses and social security numbers belonging to my ex-husband and his ex-wife snd more since 2013 l. Ive been a victim of XXXX/ XXXX  breach also. Their websites, phone numbers, etc are all non-functioning for me and thousands of others with the same issues. I can not access or prove my own identity or social security number! I lost my identity and want my life back! They charged my back account for unauthorized up charges for who knows what. Ive spent hours, for years, monies etc. on this. Please help me.
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX eastern time I contacted USAA customer service, in regards to a Visa credit card that my current husband in XX/XX/XXXX opened as a single applicant. We were married XX/XX/XXXX and now separated due to legal issues. I called to cancel my card believing that I was an authorized user, but the representative told me that I was added as a joint account holder in XX/XX/XXXX. I remember calling the credit card company for an issue regarding some form of inaccurate charge for my XXXX XXXX  XXXX veteran boyfriend at the time and the representative mentioning they needed to get verification from him to discuss his account with me. I either 3 way called or he was sitting next to me to authorize permission and he also told them he give me permission to speak on his behalf regarding any other future question or issues I should have. I also, do this for my parents accounts and doctors because they do n't speak english well, so I did n't think by doing so that I 'd be liable for his debt. I would never agree to be a joint account holder because he has a XXXX that makes him not have any XXXX XXXX. This makes him make thoughtless purchases and gets him in the trouble he is in now. According to the 5 different agents in different departments told me at that time I gave verbal consent to be a joint account holder, but they use different terminology that made me think I was an authorized person to speak on his behalf. I asked multiple agents to send some form of evidence of myself agreeing to this because if I did I was unaware that I was accepting debt liability. I never signed or knowingly agreed to be liable to his already opened credit card. The agents just kept saying that I agreed over the phone and we are in default and I needed to make payments. I asked to speak to someone who can give me some form of documents or evidence that I agreed to the debt liability and they either hung up the phone on me or kept switching to different department and said they would n't give me any additional information and their was n't anyone who could help answer my questions. I then the day after I found a USAA blog after going through an enormous amount of research and XXXX and decided to post my question there. They basically said the same thing and when I posted again with more detail to ask for help, the company blocked me from the blog. I really do n't know what to do and need help.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 30 - 60 DAYS to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I have filed police report and ftc and contacted navy federal credit union several times after providing several police reports and affidivates I was told that i would recieve credit in the form of a check and never got it.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it.

According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be inaccurate.
Product: Money transfer, virtual currency, or money service

Tried to send money and it got stuck in limbo from my account to the the other person and kept asking me to verify called the company for help was told to wait a couple of days to see if it go through
Product: Money transfer, virtual currency, or money service

Commencing on or around XXXX XXXX XXXX, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my Binance account to fraudulent investment firm ( s ).
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
12. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
13. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


1. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

unable to link XXXX  account to my PNC account. XXXX is saying there is an error linking the accounts even though I authorized it.
Product: Credit reporting or other personal consumer reports

CFPB, at this point I can not obtain any mortgage loans because of this XXXX XXXX XXXX  account. It seems to me it doesn't matter if you settle/payoff accounts no one wants to do the right thing by helping other Consumers like myself.
Product: Credit card

I logged into my account on line today to discover the account had been closed. Absolutely no notice of pending closure was provided by ExxonMobil. Expiration date on the card is XX/XX/2019.
Product: Credit card

On XX/XX/XXXX I applied for a credit card with American Express, I provided my Social Security Number they used it for my APPLICATION. According to the law they have violated my rights per the Privacy Act of 1974 Sec. 7. [ 5 U.S.C. 552a note ] ( a ) ( 1 ) It shall be unlawful for any Federal, State or local government agency to deny to any individual any right, benefit, or privilege provided by law because of such individuals refusal to disclose his social security account number.

12 CFR 27.2 - Definitions For the purpose of this part, including all forms and instructions issued for use under this part : ( a ) Applicant means a natural person, including a co-applicant, who makes an application.

( b ) Application means an oral in-person or written request for an extension of credit for a home loan that is made in accordance with procedures established by a bank for the type of credit requested.

They have discriminated against me per 15 U.S.C. 1691, cited as the Equal Credit Act Amendments of 1976, it is unlawful for any recipient creditor to discriminate against any applicant, with respect to any aspect of a credit transaction because of race, color, religion, national origin, sex, marital status, age : ( Provided, the applicant has the capacity to contract ), because all or part of the applicant 's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. 

What factors did the underwriter use based off of the law use to deny me?
Product: Checking or savings account

on XX/XX/2022, I was contacted by the USAA fraud department and advised that frauduent checks had been deposited to my account and the money withdrawn. In addition, a person purporting to be me that had called USAA and received 0ver {$3000.00} in refunds for none existent purchases. 

This activity went in for several days and it wasn't until the amount was over {$10000.00} in the negative that I was contacted. 

Additionally, I have been totally blocked from assessing the web sight so I am unable to see any information or mobile deposits or transcripts of telephone conversations with the company and people pretending to be me. 

I feel strongly that USAA failed to secure my accounts and now are withholding money from both my pay checks and social security and expecting me to pay for their mistakes.
Product: Mortgage

This is my second compliant and a follow on to XXXX XXXX  : XXXX, which has now been closed with PHH mortgage ( formally XXXX XXXX XXXX  ). I purchased this property and went to closing via an heir payoff on XX/XX/XXXX. 

This is related to their XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX who caused damage to the home I now own own. 

On or about XX/XX/XXXX, this company started winterizing the home. However, they broke ( 2 ) back security security doors and ( 1 ) broke the glass to an interior lower level door in an attempt to change the locks. They did provide a lock box. But I called to complain last year around this time, because of the damage. 

On or About XXXX, they added a lock to a shed on my mother 's property that I still don't have the key to. They changed the locks again and removed the lock box. 

I asked PHH to have them STOP coming to the property because everytime they came I found additional damage to exterior back doors. 

But they continued coming. And this time, locked me out of the fence that secures the backyard and changed the locks- again with no lockbox. 

PHH stated that they requested this company STOP coming out. I also called XXXX and they stated that they stopped coming on the property. But I found additional notices dated XX/XX/XXXX and XX/XX/XXXX, which indicates they were still coming out to this property. 

I have been calling for over a year to rectify this situation and stepped up my inquiries for PHH to get XXXX out to make the necessary repairs and I have not heard back.
Product: Credit card

I kindly request the Consumer Financial Protection Bureau to intervene in this matter and investigate. This is Securities fraud. Which this will also aid in documentation to the Security and Exchange Commission. When I electronically signed the application for services, acknowledging that I granted Apple Goldman Sachs a security interest tied to an obligation of the United States, essentially considering it as cash. However, I haven't received any valuable consideration for this security, and it should not be disguising a gift to contractual agreement. 

According to Apple Underwriting Agreement with the Securities and exchange under the Company represents and warrants to, and agrees with, each of the Underwriters that : The Securities to be purchased by each Underwriter hereunder will be represented by one or more definitive global Securities in book-entry form which will be deposited by or on behalf of the Company with XXXX XXXX XXXX XXXX ( XXXX  ) or its designated custodian. The Company will deliver the Securities to Goldman Sachs & Co. LLC, for the account of each Underwriter, against payment by or on behalf of such Underwriter of the purchase price therefor by wire transfer of Federal ( same-day ) funds to the account specified by the Company to Goldman Sachs & Co. LLC at least forty-eight hours in advance, by causing XXXX to credit the Securities to the account of Goldman Sachs & Co. LLC at XXXX XXXX The Company will cause the certificates representing the Securities to be made available to Goldman Sachs & Co. LLC for review at least twenty-four hours prior to the Time of Delivery ( as defined below ). 

An underwriter is defined as a person who has entered into an agreement with an issuer or selling security holder to perform one of the following roles : ( 1 ) purchasing securities for distribution, ( 2 ) distributing securities on behalf of the issuer or selling security holder, or ( 3 ) managing or supervising the distribution of securities for or on behalf of the issuer or selling security holder. Essentially, underwriters play a crucial role in facilitating the distribution of securities in various capacities. 

In summary, the account was created and opened in my name after the submission of a credit application, and the security was deposited and transferred to Goldman Sachs without any benefit to me. I assert that a denial or adverse action is not possible, indicating potential fraud. Despite attempts to reach out to XXXX XXXX XXXX, XXXX, as transfer agents, and Apple Inc. 's Investor Relations Department, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX, through telephone and their website, I have not received responses addressing my questions and concerns.
Product: Mortgage

please send me paper bill with the payment, the compter is confusing and I undertand when I read in spanish and in a paper format please to make the payment in check like I always did. I often need to wait till my grandson help me and he travels al lot. Please cannto make XXXX payment said that I already paid XXXX and I beleive i have not -- -this was translated by daughter today.