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

After Citibank closing my account they are holding my funds for 60 days. also i asked them for specifications about what I did or what policy I violated and they just sent me a letter and kept telling me over the phone and at the branch that the reason why they closed the accounts is because they deserve the right to close my accounts. well so be it! I get it! but just how the just close my account they should send my money right away. not in 60 days! how come their possess to close the accounts is hours but sending my money is 60 days? i requested specifics on what i violated, or what i did wrong so that i can fix it or not do it again. I also requested a copy of a document where it reads that I conceit for them to hold my money for 60 days or 30, a month or 2 months still a very long time!

they are affecting my life by holding that money that can be use for bills and other expenses. why would they do that? it doesn't make sense. I need proof that i singed a document where i say its okay for Citibank to hold my money for that long if they close my accounts for any reason. I refuse for them to hold my money that long! I need this fixed asap!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquires on my credit report that shouldn't be there XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my updated credit report, I discovered that there is information which is erroneous. The XXXX credit bureaus must validate these accounts. It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$2500.00}, XXXX XXXX Balance : {$2600.00}, XXXX XXXX Balance : {$700.00}
Product: Credit reporting or other personal consumer reports

RE : Discrepancy in Credit Report Listings XXXX  ( Account # XXXX ) ( Account # XXXX ) I am writing to formally raise a concern regarding a discrepancy in the reporting of my credit account ( Account # XXXX ) ( Account # XXXX ), across the three major credit bureaus - XXXX, XXXX, and Experian . My recent review of my credit reports revealed inconsistent information regarding the open date of this account. XXXX 's report shows an open date of XX/XX/2022, while XXXX reports the open date as XX/XX/2022 and Experian is reporting XX/XX/2022 also .This inconsistency is concerning and, as per my understanding, violates the principles of accuracy and completeness as mandated by the Fair Credit Reporting Act ( FCRA ) Under 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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. I have previously disputed this information, but the discrepancy was reported as validated and the inaccuracy remains on my credit reports. This is not only misleading but potentially damaging to my credit standing. The FCRA stipulates that all information on credit reports must be accurate and complete, and up-to-date. The current reporting fails to meet these standards.Therefore, I request an immediate deletion of the account. The importance of precise and consistent credit reporting can not be overstated, as it directly impacts my creditworthiness and financial reputation.Please find attached copies of the credit reports from Experian, XXXX and XXXX, highlighting the discrepancy for your reference. I trust that you will address this matter with the urgency and seriousness it deserves. I expect a prompt response to this letter, confirming the commencement of the investigation and the actions being taken to rectify this discrepancy. Thank you for your attention to this important matter. Sincerely, XXXX XXXX
Product: Mortgage

I took out a HELOC with Third Federal in 2006. Along with the loan I received a brochure that states Lowest Rate Guaranteed For The Life Of The Line, you get either a rate adjustment or {$500.00} if they dont match it. It also states If you ever find a lower rate, a year from now, or even ten years from now, we will beat it, or give you {$500.00}. My HELOC is Prime - .51 %. Third Federal currently offers HELOCs at Prime - 1.01 %. I submitted a rate adjustment online and the response was I would have to apply for the loan. I talked to the local office in XXXX  FL and made the request and was told its only for when I first get the loan ( even though I pointed out it says for the LIFE of the loan and gave an example of guaranteeing it even 10 years later ). The brochure states To receive a competitive rate adjustment, either fax or deliver to your local Third Fedral branch or Customer Service department, a copy of the competitive product advertisement. Ive done both with no satisfaction.
Product: Vehicle loan or lease

Debetor 1 : XXXX XXXX Debetor 2 : XXXX XXXX Chapter XXXX Bankruptcy Petition Filed on XX/XX/XXXX Attorney Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , DE XXXX Trustee Info XXXX XXXX XXXX XXXX , DE ( XXXX ) XXXX CLAIM DETAIL Claim Number XXXX Claim Description SECURED VEHICLE XXXX XXXX XXXX Account Number XXXX Claim Filed Date XX/XX/XXXX CREDITOR INFORMATION Creditor Name AMERICAN CREDIT ACCEPTANCE Mailing Address XXXX XXXX XXXX XXXX. 
XXXX, SC XXXX Payments have been made to creditor American Credit Acceptance, monthly as provided in account ledger under the repayment plan chapter XXXX. 

Most recent payment XX/XX/XXXX In XX/XX/XXXX or XX/XX/XXXX, creditor American Credit Acceptance repossessed vehicle and later released vehicle after phone call from customer. 

XX/XX/XXXX creditor American Credit Acceptance again repossessed vehicle. 

The repossession of the vehicle causes unnecessary infringement on customer, whom is under terms of contract and repayment plan with bankruptcy.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXXdays. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 52. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately 53. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately 58. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately 59. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX  Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately
Product: Bank account or service

1. received email from us dept of education on XXXX/XXXX/16 regarding a loan forgiveness program. 
2. filled out the form and mailed it. 
3. received XXXX servicing bill for loan payment. sent out payment by mail, because online the account has been closed by fedloan without my knowledge. I did n't get anything in the mail that they had approved my application. 
4. sent out payment to fedloan address with XXXX invoice stub so that they can apply the payment, since I did not get a bill from fedloan and I could not set up an online account with them because they were still processing everything. 
5. payment processed on XXXX/XXXX/16 and XXXX/XXXX/16 for the same amount. 
6. XXXX/XXXX/16 received email from fedloan welcoming me and suggesting that i set up an online account. 
7. XXXX/XXXX/16 set up an online account with fedloan.org 8. online account states that i am past due and my loans are deliquent, which is incorrect. made a third payment for the same billing cycle online under fedloan. emailed with their online email that i paid already and that this is the third payment for the same cycle and their website says i am past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries on my credit report that do not belong to me. I have tried to contact Equifax, XXXX, and XXXX about this matter, but the customer service representitives were not interested in helping me. These hard inquires are making it impossible for me to get new lines of credit.

I also have some inaccuries on my report as well, my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not reporting on any of my credit reports.

And my credit card is reporting as only 3 years when the account is 10 years 8 months old. This is causing my XXXX  score to report drastically lower than what it should be.
Product: Checking or savings account

I was trying to link my bank account to avoid paying a transaction fee through XXXX to pay rent for XX/XX/2020, and it says PNC is not allowing this at this time. So now I will have to pay the transaction fee which should be unnecessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter on XX/XX/XXXX through Certified Mail to Equifax requesting a reinvestigation and the Method of Verification for an account on my credit profile through Equifax. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. 
I sent copies of XXXX  and XXXX  removing the same account in question due to not being able to verify the accuracy, compliance, and report ability. 
Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Equifax has been non-compliant and didnt complete the dispute in 30 days. I further remind Equifax, as in XXXX XXXX XXXX  XXXX, XXXX. XXXX ( C.D. XXXX. XXXX, XXXX ), you may be liable for your willful non- compliance. 
The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act and no validation in the 30 day time period.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$60000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address 's fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax is governed by 15 USC 1681. After providing my vital information Equifax disregards my protected rights under 15 USC 1681 and continues to violate my rights over and over. According to the FCRA AKA 15 USC 1681. I never authorized Equifax to report such item ( s ) /Account ( s ) to my credit report. I demand the account ( s ) listed herein be REMOVED/DELETED from my credit report. 


Under 15 USC 1681 I have a right to privacy which have been violated several times and for the record Equifax or its agents never had my consent/permission to furnish such account ( s ). 


Regarding this matter since Equifax continues to violate my rights, please provide a statement signed under penalty of perjury of the account ( s ) mentioned herein as being VERIFIED and explain how it was VERIFIED if so due to Equifax inaccurate/false reporting. Please attach if any an authentic signed contract whereas i gave Equifax permission to report this account ( s ) mentioned herein as it will be used for my own and a judges ' inspection if this matter escalates to trail to contest these matters. 


XXXXDEPT OF ED ( XXXX  XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX
Product: Money transfer, virtual currency, or money service

On WED XXXX XXXX XXXX at XXXX XXXX, I initiated a transfer of XXXX ETH, then valued at {$840.00}, from my ETH Vault at Coinbase to my ETH Wallet. I received an email requesting my confirmation/approval of the transaction, which I gave. At that point, the transaction entered a " 48 hour '' waiting period. At the same time, had that transaction been conducted at the 49th hour of the initial withdrawal, the value at that time was about {$820.00} ( down {$14.00} ). If Coinbase maintains that I did not approve the transaction and have my identity verified until XXXX XXXX on THUR XX/XX/XXXX ( the date/time I received an " identity verified '' email from Coinbase ), then the value of the ETH Vault at that time was {$890.00} ( up {$55.00} ). On the XXXX of XXXX and on the XXXX of XXXX, after going through their abysmal Chat Bot and Support pages, I emailed Coinbase using their email function online to ask why my money is in limbo. I received a response in a separate bank transfer yesterday at XXXX XXXX  via email ( which I immediately withdrew back out of Coinbase and it is not " due '' to hit my bank until the XXXX of XXXX per Coinbase 's terms ), but NOTHING on this ETH Vault to ETH Wallet transfer yet. As it stands at XXXX XXXX on XX/XX/XXXX ( the date and time of my latest screenshot for proof - attached ), the transfer has still not been approved, and the " value '' now showing has dropped to {$590.00} for XXXX ETH, an artificial or forced loss of {$250.00}.
Product: Credit card

On XX/XX/24 I received an email and text that my XXXX XXXX credit card had been shipped. I never applied for the credit card. The card was opened on XX/XX/24.
Product: Credit reporting or other personal consumer reports

The best thing would be for this not to be here in my report, it is good that they eliminate it XXXX XXXX XXXX XXXX XXXX INQUIRY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I wired {$20000.00} to Coinbase on XXXX XXXX 2017 and within a week they rejected my wire due to the names on the account not matching. I have yet got my money back after several calls and emailed to XXXX and to their bank in NY.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 didnt authorize this company to run my credit and now there is a inquiry XXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX
Product: Mortgage

I have had YEARS of trouble working XXXX mortgage now PHH. I'd like to SPEAK to a loan servicer regarding a refinance and/or mortgage pay off. I DO NOT want to go online and gather information but SPEAK to a human being and ask specific questions and get specific answers. That said, I've waited a total of 2 hours and 5 minutes over the last 2 days to speak to someone. According to PHH, there is, " a high volume of calls so the wait time will be lengthy. '' REALLY?? over two hours?? People have to work and not wait to speak to someone!!! Of course, if one was NOT to pay their mortgage, I'm certain they would be banging down the door to get paid. This company has been a thorn in my side for years because the lack of being able to quickly and directly talk to someone regarding very important finances. I recommend that NO ONE should ever have their mortgage serviced by XXXX/PHH, but then again, mortgages are often sold and consumers don't have a choice in the matter. This has been the WORST financial company I have ever dealt with and they should be ashamed about how they treat their customers.
Product: Credit reporting or other personal consumer reports

I have unauthorized accounts my credit profile that I did not consent to. please remove all closed accounts / hard inquires on my credit profile asap
Product: Mortgage

I was on a COVID forbearance with PennyMac but it is showing up that I am behind on my mortgage. That is not correct. I am in the process of trying to work out a loan modification. The company keeps stating that I am protected but that is not correct.
Product: Credit reporting or other personal consumer reports

Help creating a dispute letter using the code 1681 0 for civil liability, negligence and non compliance.
Product: Credit card or prepaid card

On XX/XX/2022, I received via USPS letter from XXXX 's dated XX/XX/2022 that stated my credit application has been denied. Next day I received a letter via USPS from XXXX XXXX XXXX stating the same. I filed neither of these applications. Then I called the three credit agencies and verbally communicated these facts and asked to take these actions/inquiries off my credit history and established credit alert and security freeze. I was told to submit a police report, which I filed and submitted to XXXX today, ( via postal mail ), and, now am filing with FTC ( via CFPB ) here as per instruction by XXXX.
Product: Debt collection

I called XXXX to find that I owe them money for services I never had, they refused to investigate and put the negative item on credit, which is causing me to be XXXX XXXX. Im not responsible for that bill and never had XXXX in my life. They also refused to send me any proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX in XX/XX/2018 to make my payment before being reported late to credit bureas. I was given inaccurate information regarding my account and when account could be paid before being reported late. 

I borrowed money from my mother and had her to contact XXXX to pay them in my behalf. The customer service representative gave her my account information without my consent, which is against policy and violated my privacy. I later called to speak with a manager and was told the call would be investigated and I'd receive a call back on the following Minday. I never received a call and they inaccurately reported my account 30 days late with the credit bureau. 

I have called, written letters with no response at all over the last 6 months. This information needs to be corrected as I was not late based on the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX . 
XXXX NC, XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX  account XXXX, has violated my rights 15 U.S.C 1681 section 602A, states I have right to privacy.

15 U.S.C repor1681 section 604A section2 : It also states a consumer reporting agency can not furnish an account without without my written instructions.
Product: Credit reporting or other personal consumer reports

Request personal information to be removed from my credit report that wasn't correct. 

When they responded they said it was verified information
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX This debt collector has called me up to XXXX times a day sometimes within XXXX minutes of each call and I have asked them to please cease all phone calls as they have not only called multiple times but have threatened judgement and legal action and have also added a second debt to my report after I tole them I would report them for harassment. They refused to mail me documents to prove the debt and refused to provide a call log of all the times they have contacted me.