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

After having a business checking account for 30 or so years, Citibank suddenly decided that they were closing my account and closing access to this account because they forced us to complete a questionnaire designed for corporations. We advised them that our professional practice was a sole proprietorship but that did not matter to them. As part of the closure they were supposed to forward any electronic payments made from insurers including Federal Government. There was a payment of {$62.00} made to them which they never forwarded. We got no satisfaction from our local branch, the corporate office or customer service who never once responded. We were forced to take Citibank to small claims court, they never showed up. We got a judgement which they never settled. As far as I am concerned they stole our money, adding to the cost of transferring our checking accounts and bookkeeping, etc for such an idiotic reason. For the record, when we rapidly opened a similar account at a local branch, they gave us similar forms to fill out and very clearly advised us what parts did not have to be filled out, which was exactly what Citibank expected us to do but were unable to. 

As long as we are making this public, I can add that for years I used Citibank to process credit card payments made to us directly into our Citibank account. Their monthly charges were written up and itemized in a way that we had no understanding of the breakdown. Upon searching why we were paying so much, we discovered hidden charges that were added without our understanding. Bottom line, by switching vendors, our monthly charges went from about {$500.00} per month to about {$150.00}. Now we get full explanations which should have been required!
Product: Debt collection

FCRA section 609 letter sent to bureau and Experian did not provide actual documentation as requested. Bureau simply asked a creditor if a debt is owed. Actual contracts and documentation needs to be provided or this must be deleted.
Product: Debt collection

I would like to withdraw all other complaints against this company that I have previously filed and replace them with this one.I have told this company NUMEROUS times to STOP contacting me by phone and they are not respecting that. I am still getting phone call after phone call every day. It has been over a month now.They are also disobeying THEIR "cease and desist" they told me they had on the account.They sent my account to a lawyer on XXXX. They told me THEY as well had a "cease and desist" from XXXX onwards. The harassing phone calls started on XXXX.The lawyer sent me a letter saying that it was "closed" on their end and it was "sent back to the client" (Capital One), XXXX. I was now to contact them.Capital One has no respect for anyone and their lives. They have no comprehension of the mental cruelty and abuse they put on people by sending them to a lawyer!!!I want NO RESPONSE from them unless they are willing to settle or remove the debt completely. I'm sick of their excuses and explanations.NO MORE PHONE CALLS FROM THEM. NO NORE PHONE CALLS FROM ANYONE THEY HAVE GIVEN MY NUMBER TO. I WILL NOT speak to them by phone. I Don't know what else to do to get them to understand and stop!There is nothing they need to "verify"----especially calling 7 times a day and abusing people.
Product: Credit card

I was being discrimination by their company system where poor credit remain in the poor section no matter how hard u work to keep a good record their system remain u in the poor section where they give u Lil tiny limit every year I was being treated unfair with consumer law voilated and damaged and during the care act when the covid was current we allow to extend 2 month payment during the covid difficult time but they still report as late payment to the credit bureau and ruin my reputation becuase of their system alway keep certain people at which level they allow to have high credit
Product: Student loan

XXXX transitioned to MOHELA on XX/XX/XXXX. I received the email that every aspect on my loan details will remain the same. See total current balance timeline below : XX/XX/XXXX : {$5000.00} XX/XX/XXXX : {$5000.00} I called MOHELA regarding the increase in the total current balance. Based on the transition email, it should've remain {$5000.00}. The rep said the she sees both amounts on her end, and the system is still updating so it will reflect the {$5000.00}. 

XX/XX/XXXX : {$5000.00} I called MOHELA regarding the increase again in the total current balance. I spoke to two reps, and they explained how the interest accrues daily, so the balance will increase by {$1.00} daily. At the numbers, it doesn't bring down my loan balance at all. They also don't have historical record to see the total balance of {$5000.00} from XX/XX/XXXX. They didn't see the {$5000.00} from last week XX/XX/XXXX so there's conflicting info from the reps plus no one can't see how the total current balance changes daily. 

The rep did offer to mail the allocation explanation which I accepted. However, the change in the balance is a red flag. When things got better with XXXX, I checked daily on the total current balance and it never updated daily. The only time is updated was when the payment was posted monthly, and the balance went down. This seems to be completely different posting practices ; MOHELA posting practice doesn't allow them to see what the balance will be the next month, and the system doesn't allow customer service to see the previous balances. This leaves room for posting error which was the huge issue with XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, Kic. ) ( e to i le quato customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, teaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process 0:37 was untair and Receptive, as they did? nor E comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

On XX/XX/2020 I sent a certified letter to Nationwide Recovery Sys ( see attached ). I advised them that this debt is not mine and to please remove it from my credit report. Prior to this I requested validity and nothing was presented. After receiving my letter Nationwide recovery once again reported to the credit bureau this debt on XX/XX/2020. On XX/XX/2020 at XXXX XXXX  I called Nationwide Recovery to speak to someone regarding the letter I sent via certified mail. My call was passed around to 3 different people. The 2nd person stated that I had five accounts under my name, I said how can I have five and you are reporting only one. The 3rd person stated that he was a manager. Neither of the three individuals cited the mini miranda to me. I asked his name and he mumbled his last name so I could not understand. He then stated all calls are recorded. So I said great can I record the call as well. He then proceeded to say " I can not continue this call if you will be recording '' So I mentioned to him " since you are recording the call so can I and I don't see the difference ''. He then stated that it was for my safety, I responded saying thank you this is for your safety and mines as well. This gentlemen did not want to take my call thereafter. I advised that I sent a certified letter and wanted to speak to someone about the collection. He proceeded with he can not continue the call we then hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  re-inserted multiple account information back on my consumer report. Has failed to provide how Wells Fargo verified fraudulent balances and information. Provide the physical documentation that was given that complies with the law under the FCRA that allows you to re-insert the information. Otherwise promptly delete the information back off of my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX  XXXX  data breach as well as XXXX XXXX XXXX  data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$14000.00} XXXX XXXX XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. 

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 



XXXX XXXX XXXX XXXX # XXXX -- Date Opened : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX # XXXX  -- Date Opened : XX/XX/year>
Product: Mortgage

Unfortunately my husbands mother had passed away. This was happening during the time payment was due. I did inform them we had a death in the family and would be making late payment. I went on line a saw they imposed a late fee. On XXXX I submitted a message to them regarding this issue again. On XXXX I received a very cold and nasty letter from Ditech. It really had nothing to due with my issue. I never said I was n't going to pay my bill solely that is was going to be late. It was the second half of he mtge. If they go backs and see my record they will see my payment history. Only once where I did n't hit submit was a fee imposed. But I took responsibility for that, They also charge a fee to pay with their website. I asked for the fee to be removed. I even offered proof just in case they thought I was making up the story.
Product: Mortgage

It's been two years now and the mortgage Co has played games with my mortgage XXXXXXXX XXXX XXXX XXXX times and has again declined my XXXX for the 2nd or 3rd time due to their underwriting department requiring things that are NOT requirements by the county or state to have it recorded. They have rejected the notary 5 times now. I had them send someone out to me this last time and still they rejected it.
Product: Credit reporting or other personal consumer reports

XXXX of the Incident : Between XX/XX/year>, and XX/XX/year>, XXXX of my Capital One credit cards ( Platinum Card ending in XXXX and XXXX XXXX ending in XXXX ) were charged for XXXX unauthorized transactions**, totaling ** $ XXXX. Both cards were physically lost in XX/XX/year>. 

Key transactions include : Platinum Card ( ending in XXXX ) Examples : - XXXX XXXX, XXXX : XXXX XXXX transaction, amount ** $ XXXX - XXXX XXXX, XXXX : XXXX XXXX transaction, amount ** $ XXXX - XXXX XXXX, XXXX : Purchase Adjustment refund **- $ XXXX ( suspected attempt to conceal fraud ) - XXXX XXXX, XXXX : XXXX XXXX, amount ** $ XXXX - XXXX XXXX, XXXX : XXXX purchase, amount ** $ XXXX - **Multiple small test transactions** : XXXX ( {$0.00} to {$1.00} ), XXXX XXXX XXXX ( {$6.00} ), and dining charges ( {$4.00} to {$14.00} ). 

XXXX Card ( ending in XXXX ) Examples : - XXXX XXXX, XXXX : XXXX XXXX XXXX, amount ** $ XXXX - XXXX XXXX, XXXX : XXXX XXXX XXXX, amount ** $ XXXX - XXXX XXXX, XXXX : XXXX XXXX XXXX ( {$4.00} to {$6.00} ), XXXX charges ( {$8.00} to {$16.00} ), XXXX purchases ( {$12.00} to {$55.00} XXXX. 
- XXXX XXXX, XXXX : Interest charges ( XXXX XXXX XXXX {$19.00}, XXXX XXXX {$28.00} ). 

XXXX Patterns : XXXX. **Test Transactions** : Repeated small-amount PAYSEND charges ( e.g., {$0.00} and- {$0.00} ). 
XXXX. **Large Transfers** : Cumulative ** $ XXXX via XXXX platform ( XXXX XXXX {$2200.00} + XXXX XXXX {$1800.00} ). 
XXXX. **Recurring XXXX : XXXX XXXX XXXX ( XXXX charges ), Wingstop ( XXXX charges ), XXXX XXXX XXXX XXXX XXXX XXXX charges ). 

Actions Taken : XXXX. **Reporting & XXXX XXXX : - On XXXX XXXX, XXXX, I contacted XXXX XXXX to report all unauthorized transactions and **locked both cards**. 
- The representative confirmed a XXXX investigation but stated **Past Due Fees and interest would continue accruing**. 

XXXX. XXXX XXXX : - **Temporary Credit Reversed** : A {$990.00} " Purchase Adjustment '' refund on the Platinum Card was later revoked. 
- **Fraud Claim Denied Without Evidence** : Capital One unilaterally deemed the claims " unfounded '' and provided no written explanation. 
- **Unauthorized Charges Remain** : The statements still include {$5400.00} in fraudulent charges and {$66.00} in interest ( combined ). 
- XXXX XXXX XXXX : Repeated requests for updates were ignored, resulting in severe XXXX XXXX damage due to unresolved late payments.
Product: Student loan

I filed Bankruptcy in XX/XX/XXXX, at the time my student loan with THECB was in forebearance. Upon the filing of my bankruptcy my loan was continued into another bankruptcy. I had not had any correspondence with THECB since XXXX   of XXXX. Towards the end of XX/XX/XXXX a representative from THECB contacted me in regards to my account being past due. I advised her that I had no knowledge of this information and would like to request for my loans to be put into forbearance or Income Based Repayment plan because I was not employed and on government assistance. The agent then stated she was willing to submit my request. After about two weeks, now XX/XX/XXXX I received another call from a gentleman with THECB requesting me to pay my balance. I did advise him that my loans should have been in forbearance due to the previous conversation I had with the last representative. He informed me that the last representative did not actually put me in forbearance and that I was misinformed, I would have to fill out a general postponement form for that. The following week I faxed XXXX the general postponement form. I did not hear from anyone else after this so I contacted them again XX/XX/XXXX requesting more information on my forbearance the representative stated they had not processed my request and to check back with them in the next week or so. I contacted XXXX on XX/XX/XXXX after I received a letter stating my forbearance request was denied. I asked them why they denied it and they said my loan was in default. After continuous attempts of communicating with XXXX over a three month period not one single representative told me my loans were in default nor approaching default. I wrote a letter to XXXX dated XX/XX/XXXX to their executive management team requesting them to remove my account out of default because I had been communicating and trying to resolve the past due loan with a payment plan or forbearance that could work for me since I was unemployed. The letter I received back from XXXX was to contact the credit burearus for any disputes. I was not disputing anything but simply trying to get my loans in a proper repayment plan. I contacted XXXX again XX/XX/XXXX and still received no assistance from this company only a request to pay them over {$5000.00}.
Product: Credit reporting

Equifax XXXX, GA XXXX Or XXXX, PA XXXX Or XXXX, TX XXXX XXXX, SOC SEC # XXXX DOB XX/XX/XXXX XXXX, FL XXXX Dear Sir or Madam, Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : Please removed this ADDRESS : XXXX, FL XXXX - REPORTED XX/XX/XXXX not my address fraud XXXX ACC # XXXX XXXX {$180.00} XXXX XXXX charge off {$4800.00} XXXX ACC # XXXX As required by FACTA and in support of my request, I am including a copy of my identity theft report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely, XXXX, SOC SEC # XXXX DOB XX/XX/XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

The unauthorized inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be verifed ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

n 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. 

Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XX/XX/year>2024 XXXX  XXXX XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXX XX/XX/year>2024 XXXX XXXX  XXXX XXXX XX/XX/year>2024 XXXX XXXX XX/XX/year>2024 XXXX XXXX XX/XX/year>2024 XXXX XX/XX/year>2024 XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXX XX/XX/year>2024 XXXX XXXX  XXXX XX/XX/year>2024 XXXX XX/XX/year>2024 XXXX XXXX XXXX XX/XX/year>2024 XXXX XX/XX/year>2024 XXXX XX/XX/year>2024 XXXX XX/XX/year>2024 XXXX XX/XX/year>2024 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 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 reporting or other personal consumer reports

I LOOKED AT MY CREDIT REPORT TODAY ON EXPERIAN AND NOTICED THAT EXPERIAN HAS NOT BEEN UPDATING MY CREDIT CARD BALANCES FOR MONTHS, I NEED MY CREDIT CARDS TO SHOW AN UPDATED BALANCE AMOUNT ..ALSO XXXX .. ( 1ST CARD : XXXX XXXX UPDATED LAST XX/XX/XXXX, I HAVE A XXXX BALANCE ) 2ND CARD : XXXX XXXX, I HAVE TWO CREDIT CARDS THAT HAVE {$3000.00} LIMIT, THE CARD NAME IS XXXX  XXXX, IT HAS XXXX BALANCE LAST UPDATE WAS XX/XX/XXXX, I HAVE TWO CARDS NAME IS XXXX, THE ONE THAT ENDS WITH XXXX HAS A XXXX BALANCE CREDIT LIMIT {$5700.00}, LAST UPDATE ALSO XX/XX/XXXX, THE OTHER XXXX CARD THAT ENDS IN XXXX STILL HAS A BALNCE... ( XXXX HAS NOT BEEN UPDATED SINCE XX/XX/XXXX, THE BALANCE IS {$1500.00} ) XXXX XXXX LAST UPDATED XX/XX/year> {$1200.00} LIMIT, XXXX  BALANCE- XXXX ) XXXX XXXX LAST UPDATE XX/XX/XXXX THE NEW BALANCE IS {$1300.00} ... ( XXXX CREDIT CARD : CARD ENDS XXXX, {$1400.00} LIMIT XXXX  BALANCE LAST UPDATE XX/XX/year>, CARD ENDS IN XXXX, {$1800.00} LIMIT, XXXX  BALANCE..
Product: Credit reporting, credit repair services, or other personal consumer reports

On my account RASH CURTIS & ASSOCIATES Account number XXXX Date opened XX/XX/XXXX Status Collection account. {$580.00} past due as of XX/XX/XXXX. 

I am writing this to investigate my account RASH CURTIS & ASSOCIATES. I am an identify theft victim. I sent FTC complaint & ID theft report, I also sent validation letter request they prove my information but they did n't response to me and they did n't remove these on my credit report. Please investigate and remove all these of my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XX/XX/XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Mortgage

I recently applied for a cash out refinance with AimLoan for a rental property I have owned for several years. I am subscribed to several real estate sites such as XXXX and XXXX to get periodic updates on the market conditions in the area. Every comparable sale I could find valued my home at over {$160000.00} so I used {$160000.00} as the current market value when I applied with AimLoan. On XX/XX/2020 the real estate appraiser AimLoan hired went to the home and completed an appraisal. The results came back at {$150000.00}. The appraiser missed entire sections of the home and also attempted to use the income method to value the property based on estimated rents vs the actual rent amount I receive which was supported with the current lease agreement I sent to AimLoan before the appraisal. I called AimLoan to push back on the appraisal and the only answer I received was to go and get my own comparables which is what I did before I even started the loan process. I have been unfairly treated and this appraisal is artificially low.
Product: Prepaid card

I have direct deposit with Bluebird Amex prepaid card. On XXXX XXXX I tried to pay my XXXX XXXX cell bill. Because I had not used the card for some time, I could n't recall the zip code I had on file with Amex. So the XXXX transaction, the rep of XXXX, processed declined due to me giving the wrong zip code. I guessed 5x's.They all declined, then I finally gave the accurate zip. And it was approved. Now why would Amex hold XXXX {$71.00} declined transaction. This is my paycheck, {$350.00} of my money has a hold. I am so perplexed about them holding funds for declined transactions. I ca n't get any cash of my paycheck. This is not credit. I need my funds to get released asap.I have XXXX and it should be XXXX approximately. Please help. They said I have to wait 7 days even declined transactions. I spoke with XXXX they stated they have to give the merchant time to collect on declined transactions. I need my money to pay bills. Please help get my funds off of hold status.