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

After being a credit card customer with Citibank, I was offered a generous offer to open a checking account which would credit an airline account with a set amount of miles. I proceeded to take advantage of this offer and opened the account just over a month ago. The offer had two steps, two or more deposits totaling at least XXXX XXXX dollars and then one ore more debit card transactions totaling at least XXXX XXXX dollars. The issue is, after getting my money through XXXX deposits, which was a requirement, Citi now blocks me from using my funds. I've tried XXXX times to use my debit card, but there is always either an authorization issue, or the transaction is declined. What Citi did here, was scam me out of my money by depositing it into their financial system, and then block me from accessing it. Effectively 'stealing ' my own money. So now, I have XXXX problems. XXXX. I can not complete the offer, and I only have 90 days to do so ; XXXX. I can not use the funds to pay my bills ; XXXX. I can not take my funds out of the account. 
Since the account opened it has continually been under review. When I call the bank they can not give me a reason for the review, they refuse to provide details, they refuse to provide a time frame, they refuse to provide the names and phone number of the so called 'reviewers, they refuse to close my account and release my funds, and they even said during a recorded call, and there has been many calls, that they are allowed to hold my money indefinitely pending the so called 'review ' which they can not describe. 
I will be unable to pay my bills including rent and car payment and will sue for damages. I also need the CFPB to go after them on my behalf and publish this complaint so others can see that doing business with Citibank, at least on the checking account side, is a trap to take your money, then block you from accessing it.
Product: Credit reporting or other personal consumer reports

Please find attached, my Notice of Dispute and Request for Investigation of Billing ErrorValidation and Verification of Alleged Debt with XXXX. XXXX XXXX XXXX XXXX XXXX regarding the Alleged XXXX XXXX XXXX Account No. XXXX
Product: Money transfer, virtual currency, or money service

I am Filing a complaint against Cash app ( Block, inc. ) Due to inadequate customer service And unfair practices, Which violates The customer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take Timely and effective measures to prevent And address fraud On their platform, Leaving my account vulnerable and unprotected. Furthermore, they're dispute Resolution process was unfair And deceptive. As they did not Comply with error revolution Requirements Under the electric fraud transfer Act ( EFTA ) And Regulation E These? 
Acts have calls significant inconvenience In Financial loss, And I seek appropriate Redress For these violations.
Product: Debt collection

UNIFIN a debt collection company working in tandom and co-operation with XXXX XXXX XXXX XXXX XXXX has attempted to collect a debt already PAID IN FULL in XXXX knowingly in the amount of {$4100.00}, this amount was settled in Full in XXXX for {$2300.00}.. The complaint answer from XXXX XXXX XXXX XXXX XXXX Corroborates this as well as documented Pay off .... SEE ALL PHOTOS ATTACHED. THERE IS NO MONEY OWED AND NONE FURTHER WILL BE PAID.. UNIFIN working with XXXX XXXX XXXX XXXX XXXX has XXXX both in person and by letters as seen in photos recently in XXXX knowing full well that my legal name changed in XXXX of XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX name for inheritance purposes as per Ca. State Drivers License, XXXX Passport and Social Security Number. My phone number has never changed either. 
Attempting to collect further on an already PAID IN FULL Collection account with harassment involved constitutes EXTORTION under current Federal Laws and a further crime of U.S. Mail Fraud for attempting under duress and harassment to collect a non payable PAID IN FULL amount in order to make a " marketable illegal profit '' for it's company in accordance with FBI current RICO Laws now in place for such actions. It is clear in the statements mailed to myself that these companies were aware of the amounts, dates and proceedings of each others collusion to attempt further payments on a previously PAID IN FULL account to XXXX XXXX XXXX XXXX XXXX in XXXX with XXXX Consultants in XXXX. 
My attorneys private investigators firm have collected both video, photo and document evidence that has been turned over to the proper law enforcement agencies as well as State authorities on bonding and legality issues. 
THIS ACCOUNT WAS AND IS PAID IN FULL ... NO FURTHER Payment OF ANY KIND IS FORTHCOMING.
Product: Credit reporting or other personal consumer reports

Factor Trust has denied me access to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX XXXX managed by Barclays Bank and I made a call to Barclays Bank on XXXX XXXX regarding updating my SSN on file and they asked for me to send in documentations for them to update accordingly which I did send in via the Fax numbers ; ( XXXX / XXXX / XXXX / XXXX and XXXX XXXX addresses they gave me at different times ; XXXX XXXX XXXX, XXXX DE, XXXX / Barclays Bank Delaware, XXXX XXXX XXXX, XXXX DE, XXXX ). 
Dates : XXXX XXXX XXXX XXXX ( USPS Tracking # : XXXX ) XXXX ( USPS Tracking # : XXXX ) I have sent these requested documentations ; ( Copy of SSN card, copy of Drivers license, Letter of Request and copy of tracking numbers to Barclays Bank on multiple times ) and till date whenever I call for followup, I'm informed they have not received the documents till date and this is really impacting on my Credit Report in order for me to process some documentations with my work and bank. 
I have called multiple times to this number at the back of my XXXX : XXXX, but still no response or positive updates till this minute I'm writing this letter. 

I have tried my best possible to get a positive feedback from Barclays Bank but no positive updates has been shared with me as a customer and since I have been sending in these requested documentations and its really impacting on me. 
I will appreciate your further investigations and help in resolving my issue in ASAP. 
Thank you!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$410.00}, XXXX XXXX ( XXXX : XXXX XXXX XXXX  ) XXXX Balance : {$970.00}, XXXX XXXX, XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I mailed Equifax a letter requesting that they reverse some late payments that is reporting on my credit report. I informed Equifax of the laws that are in place that prohibits my payment history being reported on my consumer report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting or other personal consumer reports

Carrington Mortgage ( CM ) notified me both about a late payment and foreclosure. I had a total of {$70.00} overdue for a month. This was the result of an escrow analysis that was performed in the first quarter of 2023 an emailed to me. The email likely went to spam as I did not receive either a letter or phone call. 
I called on XX/XX/XXXX as a result of a letter from CM stating home was to be foreclosed. I called them for an explanation and they informed me I was behind by {$70.00}. My payment had increased by {$70.00} in XXXX to be applied in XX/XX/2023 moving forward. CM also reported me late for the month of XXXX, even though I had paid {$1600.00} on XXXX. CM explained shortage was taken from escrow account and I paid and additional amount of {$140.00} on XX/XX/XXXX, to account for the shortage in XXXX and XXXX. 

This late report is impacting my ability to obtain credit. The {$70.00} were taken out of escrow for the month of XXXX and I made an extra payment in XXXX to cover that. CM, please explain why I am being reported late. I have never had issues with any other mortgage service providers ; CM continues to conduct themselves egregiously.
Product: Credit reporting

My credit profile indicates an account that was settled through a court opinion. The documentations was submitted to all credit agencies. However, the reporting agencies are still reporting the account incorrectly. 
The following information still is present on my credit profile. However, this account should state {$0.00} due based on attached documentation. 
XXXX XXXX XXXX Account Type Home Equity Line of Credit Account Status Closed Opened Date XXXX XXXX, 2007 Closed Date -- Limit {$32000.00} Term -- Monthly Payment {$290.00} Responsibility Individual Account. 
Balance {$31000.00}
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up with United Credit Education Services in XXXX XXXX, with the expectation of removing items from Credit Report. I have been with this company for five months and paid {$630.00} and the terms of the contract has not been fulfilled. Today, my credit repair agent, XXXX XXXX stated that she was discontinuing my service because she did not like the fact that I was asking questions about the process, although the company took withdrew another {$89.00} out of my bank account last week. 

Before I contact an attorney, I would like a refund of the {$630.00} that I have submitted to this company.
Product: Credit card

I applied for US Banks secured credit card which I understand requires a credit inquiry. I applied on XX/XX/2024. 

Application went into review and the next business day ( XX/XX/2024 ) US Bank ran another credit inquiry resulting in XXXX credit pulls for one application. 

Both inquiries were only processed on my XXXX credit file. This 2nd inquiry should be removed as I only have authorization once.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX has failed to fulfill it legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has continued to report false late payments on my credit history. The vehicle was returned to XXXX XXXX in XXXX of 2019. This account was part of a bankruptcy case that was dropped and a Federal court issued a order for XXXX XXXX to close the account. 

The last late payment shown should have been in XXXX of 2019. The company has violated the FCRA by continuing to report false and unverifiable information. 

The vehicle that XXXX XXXX is claiming to be in my possession they have. Also, XXXX XXXX has failed to follow Georgia law and properly notify me of the sale of the vehicle. XXXX XXXX took possession of said vehicle in XXXX of 2019 and they have yet to make any changes to the balance. Nor have they notified me in writing of the sale of the vehicle. 

A late payment of 30 days is being reported for the month of XXXX. This is inaccurate. The payment in XXXX was only late by 14 days. THE FCRA clearly states that no entity shall falsify any information in a credit file. This is false information. If the XX/XX/2019 payment was only 14 days late, the month of XX/XX/2019 should not read 30 days late.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian and XXXX and XXXX will investigate this account for me to ensure accuracy I asking you to verify as accurate : account name : - XXXXXXXX XXXX XXXX account number-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several letters out to XXXX XXXX Bank regarding the reporting of inaccurate information reported on my credit report and the impact it has on my ability to help my family. Tracking number numbers : XXXX However, the credit bureaus said they completed the investigation, and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; roles of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 consumer 's 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 would like to know who did they talk to. 

How did they complete this investigation?
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX 2 men from XXXX XXXX XXXX showed up at my door and sold me a XXXX vacuum. They used predatory leaning practices I feel and finance me for 36 months at XXXX rate at XXXX a month with XXXX down thru a bank called XXXX XXXX XXXX XXXX company. They DID not fill out the total sale price box on the bank contract and from what Ive read is against federal truth a lending laws. On XX/XX/XXXX i sent a email showing the loan company the contract was not filled out properly. I have a response of them acknowledging that is was filled out wrong but that they still wont let me out of the loan. And also the men that showed up to sell me from XXXX XXXX XXXX gave me numbers on the bill of sale that never worked. I have copies of everything
Product: Checking or savings account

Hi this is XXXX XXXX. I have XXXX in my capital one account. I called capital one on XX/XX/XXXX in the morning and the lady said that the department who restrict your account they do not want to talk to you. You can only leave the voice mail. It is been 3 weeks they restricted my account. They are holding me money for no reason. They are intentionally making me suffer. I live in XXXX and I even offered them that I can go to XXXX XXXX XXXX in CapitalOne branch personally they said no it is online account. The capital one can not assist u in the branch. First, they asked me to send them my ID which I did on XX/XX/XXXX but still they did not open my account. They did not leave any option for me to cooperate with them in this regard. Why I have to call capital one and need to beg for my money. I strongly believe that they are discriminating me and making me suffer by holding me money. Please assist me how I can I take to court?
Product: Mortgage

This is in response to a closed complaint which has NOT BEEN RESOLVED! The complaint ID is XXXX. The company has shorted me almost {$4000.00} on my mortgage payment but they don't think so although i have proof that their calculations are wrong. No one will call me back and will not look at the numbers to fix the problem. This company is stealing my money and won't get it fixed,.
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I sent the three 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 #, and I include it again. Kindly correct or delete the following items : 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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

Upon logging in to XXXX Bank 's website I selected the option to pay my current balance. On their website there are XXXX options : pay the minimum payment, the statement balance or the current balance. 

Since I knew I would be away from home caring for a sick relative, I elected to pay the current balance as of XX/XX/year>. The payment displayed online as {$170.00}. However, according to Commenity that balance was not correct as they access something called a " minimum interest fee. '' They also had not applied a late payment as of that that date, despite XX/XX/year> being after my due date. Therefore, the following month I was billed a {$30.00} late fee- despite their system displaying my current balance as only {$170.00}. The following month I recieved a text message stating they were trying to reach me about my late payment. Apparently I have now been charged another late fee on top of my late fee and a {$2.00} " minimum interest fee '' despite paying back the {$170.00} I borrowed in full. So despite requesting to pay my balance in full on XX/XX/year>, I have now been accessed {$62.00} in additional fees and no new purchases. I tried working with the company and they are not willing to waive more than {$15.00} of those fees. However, {$60.00} in late fees and a {$2.00} charge, is very excessive given I have a {$0.00} balance. I reached out trying to get fees waived entirely and pay the intial {$30.00} in fees. XXXX representatives argued with me and stated that wasn't enough and would not accept my payments by phone.
Product: Credit reporting or other personal consumer reports

XXXX will not remove unauthorized Hard Inquiries listed below : Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called XXXX and they would not remove the unauthorized Inquiries.
Product: Checking or savings account

My card was stolen XX/XX/XXXX, and I didnt know about it until it was I seen the charges. I called one of the locations the card was used at and I reported it to my bank and they are denying my claim.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT THESE INQUIRIES ARE NOT AUTHORIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card or prepaid card

XXXX XXXX, the person from the credit card company assigned to handle this matter always calls me at the end of his workday and when I have called back numerous times to try to speak with him, I leave messages and have not received a call back. I am wanting him to resolve this matter ASAP. It is claim number XXXX. Thank you.