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

my complaint is with citibank bank. I have used his checking account for about 2 years. and he had never had a problem with them. a few weeks ago I received a letter from them, to be more specific on XX/XX/XXXX. the message of the letter was practically the following, my account was being reviewed for suspicious activity and I had to contact them to confirm some information or my account was going to be blocked. 

I quickly got in touch with them via phone and explained that I had received a letter from them and shared the case number that came with the letter. ( XXXX ). They confirmed that everything was fine with my account and that I could ignore that letter. 

Well, a few weeks later, to be more specific on Thursday, XX/XX/2021, I open the Citibank application on my mobile phone. and I see that my account has been blocked. 

I quickly get in touch with them and they tell me that my account has been blocked and is in the process of being closed, that there is nothing they can do and that they can not provide me with any information about it. 

that I had to wait for a letter that would arrive in 30-60 business days to obtain information about why my account was blocked and the check with my funds. 

an account with nearly {$170000.00} all my money. 

now I can not withdraw or obtain access to those funds for 30 to 60 days. which is frustrating and makes me quite angry and which I consider to be unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter in attempt to remove These accounts that should not be furnished on my consumer report as they are in violation! Under 15 US Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.As a consumer, I am demanding the deletion of all the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX  XXXX {$85.00} XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX {$62.00} XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I have already disputed these items with the bureaus but they did not remove them, nor prove validation.

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 instructions
Product: Credit reporting or other personal consumer reports

XXXX months later and XXXX reporting repo when in fact was voluntary, see attached
Product: Mortgage

I have been a customer of USAA for over 26 years and I had a mortgage with USAA for over 10 years. 
My mortgage included an escrow account, and USAA paid XXXX County property and MUD taxes annually as agreed. 
In XXXX, USAA failed to pay the MUD taxes, which were due XX/XX/XXXX. I contacted USAA multiple times by email and phone to ask that they pay the taxes as required. Multiple agents said on the phone that the taxes and accumulated penalties would be paid. The escrow account was fully funded and funds were available for payment of the XXXX MUD taxes. 
In XXXX of XXXX the MUD tax district received the delinquent XXXX MUD tax from USAA, but the late payment penalty of {$140.00} that had accumulated over 6 months was not included. 
On XX/XX/XXXX, I paid the MUD district the penalty of {$140.00} in order to prevent delinquent taxpayer action and additional penalties. The same day, I called USAA to ask for the {$140.00} to be credited or refunded to me. The agent, XXXX, was unable to take any action to resolve the issue. She said the Tax department disputes any penalties and I should get those back from the MUD tax district. I am asking that USAA refund the {$140.00} tax liability they caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX Co Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX and XXXX XXXX XXXX Account XXXX XXXX have all 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 a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute and Request for Thorough Investigation - XXXX XXXX XXXX and XXXX XXXX  Dear Experian Dispute Department, I am writing this letter to formally dispute the inclusion of two accounts, " XXXX XXXX XXXX  '' and " XXXX XXXX, '' on my credit report. It is crucial to clarify that the " XXXX XXXX XXXX '' account has been cancelled, and I no longer have any financial responsibility associated with it. 

Additionally, I want to highlight that the reporting of " XXXX XXXX '' has inaccuracies in its payment history, which is filled with numerous " ND '' ( no data ) entries and years of missing positive payment history. These discrepancies adversely affect my credit report and creditworthiness. 

The " XXXX XXXX XXXX '' account has been properly cancelled, and I do not hold any responsibility for it anymore. Therefore, it should not be included in my credit report as an active debt. 

As for the " XXXX XXXX '' account, the payment history reported is invalid due to the presence of multiple " ND '' entries and the omission of several years of positive payment history. This inaccurately portrays my creditworthiness and financial responsibility. 

I have attached relevant documentation to support my dispute, and I request that Experian conducts a thorough investigation into both accounts. It is essential to rectify any inaccuracies and ensure fair and accurate credit reporting. 

In accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ), I expect Experian to conduct a timely and comprehensive investigation into the disputed information. 

To comply with FCRA Section 611 ( a ) ( 2 ), I request Experian to mark both " XXXX XXXX XXXX  '' and " XXXX XXXX '' accounts as " In Dispute '' during the investigation process. 

I anticipate a written response from Experian once the investigation is complete. If the reported information is found to be inaccurate, I request the immediate removal or correction of both accounts from my credit report. 

Please ensure that any updates to my credit report are made within the timeframe specified by FCRA Section 611 ( a ) ( 1 ) ( B ). 

Feel free to contact me at XXXX for any further information or clarification required. 

Thank you for your attention to this dispute, and I trust that Experian will handle this matter diligently and rectify the reported inaccuracies promptly. 

Sincerely, XXXX Enclosures : - Evidence of " ND '' entries and missing positive payment history for " XXXX XXXX '' account
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : US DEPT ED XXXX US DEPT ED XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I have no knowledge of these accounts listed on my credit report. I would like to have them removed and have my credit report updated immediately.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. Ive requested method of verification in writing as well as provided documented mail from creditors verifying the collection account is not mines. The only responses Im getting are computer generated verification.
Product: Credit card

I was incapacitated recently and spent quite a bit of time in the XXXX and dealing with XXXX issues. Because of that, I was not as attentive to my other affairs which included my usual check of my credit card status. I noticed two charges on my card that I could not understand and contacted the Bank of America VISA offices for an explanation. We send funds on occasion to someone in a XXXX through a company called " XXXX ''. We expect to pay a fee for this service [ XXXX or XXXX dollars per transaction ] but we did NOT expect our credit card company to stack two additional fees for this transaction on top of the XXXX charges. The fees were called " Minimum Interest Charge '' and " Cash Equivalency Fee ''. Having heard of neither before, I inquired as to what these charges were based. Evidently, as best as I could understand the convoluted explanation, I had in essence given " cash '' to the person who received it and therefore had to pay a " Cash Equivalency Fee '' of {$10.00}! I maintained that I had purchased a " service '' from XXXX just like I would have done at a doctor 's office or barbershop, but NO, B. of A. does n't see it that way. When I inquired about the " Minimum Interest Charge '' of {$1.00} I was told that it was interest on the " cash '' I had supposedly given to the recipient! Consequently, our gift of {$50.00} had now cost us {$68.00}! Even though I process a significant amount every year through this VISA card they refused to remove this unfair practice from my account. I think this type of fee is one of the reasons for the existence of the CFPB and I wanted to protest this sort of usury by the Bank of America. I will be happy to assist in any way necessary to correct this unfair practice. Just a few years ago, when we would participate in a phone call to this person, we had to pay {$12.00} for a 20 minute call. There were so many complaints about this abusive practice that the situation was addressed and now it costs less than {$2.00} for the same call. If the CFPB had a hand in that change, I applaud your involvement. I think that my issues with B. of A. are equally as abusive. Thank you for your work.
Product: Debt collection

They call everyday at a number that waa not given to them and third party about debt
Product: Credit card or prepaid card

Ive had my capital one XXXX card for over 7 years, started with a {$300.00} credit line and since the date i opened the account i still have not received a credit line increase. Given i did have high balances i always paid my minimum balance on time since the account has been open. I believe this is not fair because the company advertises an automatic credit line increase every 6 months.
Product: Debt collection

Account is not mine and should be removed from all three bureaus Collection debts are illegal
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. 
Here is the personal information that I never consented to or provided written consent to report : List all personal information want deleted :. 
Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted. 
Adjust accordingly if there is no inquiries or personal information to be deleted
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 customers, right to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX DIVISION OF CHILD SUPPOR DIVISION OF CHILD SUPPOR DIVISION OF CHILD SUPPOR XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 1

5 USC 1681 section 602 A. States that I have the right to privacy. 15 USC 1681. Section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) sections 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 convictions of crimes which anti-dates 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 t he information is inaccurate.
Product: Mortgage

On XXXX XX/XX/2022, I started the home refinance process with FILO Mortgage. Seventy-five e-mails from XXXX through XX/XX/2022, with FILO mortgage XXXX All e-mails had the same message this loan application is progressing it is approved while at the same time asking for numerous repeat information and documents previously provided. On XX/XX/2022, I was notified by FILO Mortgage it had requested a new credit report a second report from the initial credit report obtained with the start of the process. This was conducted without my approval ( a clear violation of the fair credit and reporting act ). The results of that report indicated a change from the first request and based on that unauthorized report, On XX/XX/2022, I was notified that the loan application was being cancelled, FILO mortgage was cancelling my loan application based on the unauthorized credit request. I am in the process of filing a complaint with the Consumer Financial Protection Bureau and the Federal Trade Commission and will work with the XXXX XXXX XXXX. The whole two-month experience with FILO mortgage has left me with one conclusion. In my judgement, Filo Mortgage is a company that one should be very leery about doing business with. In my view they clearly have poor case file management and unqualified individuals working the refinancing process.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or REMOVAL of the following erroneous information on my credit report : Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have filed a dispute with Experian regarding public records that were a result of fraud. I am a victim of Identity Theft where I have been defamed and taken advantage of illegally. Experian is legally obligated to remove negative information from my credit report as per the Fair Credit Reporting Act once a consumer supplies them with proof of identity theft. I have supplied Experian with an official notarized police report, FTC Identity Theft Affidavit and other documentation as proof to remove fraudulent inaccurate public records from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a loan with XXXX XXXX in XX/XX/XXXX. Payments were consistently made on time. The vehicle started giving me problems so I initiated a voluntary repossession. The car was returned to the lender XX/XX/XXXX. They are continuing to report a late payment to the credir bureaus EACH month. This is almost 3 years old.  There is no way this tactic can be legal. I've written them several times requesting that the stop, but each month, my credit score drops because they are wrongfully reporting this information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XX/XX/XXXX Subject : Credit Report Dispute under 15 U.S.C. 1681 ( e ) To Whom It May Concern, I am writing to formally dispute the accuracy of the information listed on my credit report, as per the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681. Specifically, I have identified the following inaccuracies that I believe require correction : XXXX. Account Name : XXXX XXXX XXXX OF XXXX XXXX Partial Account Number : XXXX o Date Reported : XX/XX/XXXX,, XXXX o Nature of Dispute : Identity Theft. I believe this account was opened fraudulently in my name without my authorization. 
As per the Fair Credit Reporting Act, I request that you conduct a thorough investigation into this matter and update my credit report accordingly. Under 15 U.S.C. 1681 ( e ), credit reporting agencies are required to investigate disputes within XXXX  days of receiving a dispute notification.

To assist in resolving this issue, I am attaching the following documents : Please see attached Data Breach supporting documents. 
I respectfully request that you remove or correct this fraudulent information on my credit report immediately. Please provide me with the results of your investigation in writing and include any actions you have taken to resolve this matter. 
Thank you for your prompt attention to this dispute. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX XXXX ) placed a collection on my XXXX XXXX  that was from XXXX XXXX. I Have been an a victim of XXXX XXXX for a few years now.. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Product: Student loan

Hello CFPB, This is regarding consolidation of student loans. I graduated from XXXX XXXXl in XXXX. My loans were in forebearance until XXXX when I graduated XXXX I started repaying my loans in XXXX when I started working. I have worked for a non profit XXXX group since XXXX and made over XXXX  on time payments. 

I didn't qualify for the public student loan forgiveness ( PSLF ) during that time because I wasn't in an income based repayment plan. When they expanded the program recently ( XXXX I believe ) to the TEPSLF, I would have qualified. So in about XX/XX/XXXX, I applied for the TEPSLF as I had all federal direct loans. My loans were direct and with a company called XXXX at the time. I was not aware that I needed to do a direct consolidation with XXXX XXXX as it didn't indicate this on the paper forms that I filled out to apply. So I simply applied for TEPSLF and waited to hear back. 

I waited many months to hear back from TEPSLF so I assumed I wouldn't qualify. I didn't hear anything back so in XXXX of XXXX, I looked into private consolidation options to try and lock in a lower interest rate before rates went up. I contacted a company called XXXX and ended up doing a loan consolidation with them. 

Shortly after this, I was responded to my TEPSLF and was told I needed to do a direct loan consolidation first and then I would qualify for TEPSLF. I also learned after this that my loans were no longer eligible for direct consolidation as now they are consider " private ''. 

I contacted XXXX and asked if my loans could be returned to a federal loan and why I was not told that consolidating with them would disqualify me for TEPSLF. In a nutshell, there response was no and that it was not their responsibility to inform me. I have contacted everyone from them to the current loan holder, MOHELA, to the federal government and no one has been able to help. 

I think it is the responsibility of XXXX and other private student loan buyers to inform clients that this is a possibility. I am an educated man and the student loan space is VERY hard for me to understand. There is no way to expect the average person to understand all of this. 

I am reaching out here to find if there is any way for CFPB to help. I was recommended to reach out to you guys by federal student aid help center to see if anything can be done. 

Thank you XXXX XXXX MD