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

Hi. My name is XXXX XXXX. My Mom had numerous annuities with First Citizens Bank with me being the sole inheritor. They are all gone, there is nothing left in any of the annuities in my name. First Citizens Bank let my sister XXXX XXXX illegally use Power of Attornet to steal my whole inheritance. I have an attorney and one was appointed by the XXXX XXXX XXXX to be Adminitrator and First Citizens Bank is stone walling the information that the Attornies need to bring a law suit against my sister and possibly First Citizens Bank.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. 
( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report and noticed XXXX transactions that were not originated by me, XXXX XXXX. 
Pusuant to multiple laws within USC 1681,6802 and USC 1681c-2. 
The following accounts need to be immediately deleted. 
These entrants constitute identity theft and need to removed from XXXX and Equifax. 

XXXX XXXX XXXX- XXXX This company went bankrupt, and I am unable to contact them. Please notify the credit bureaus that these are identity theft and need to be immediately removed. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been impacted by the Equifax breach. I checked on their security website and it says that they got my ALL of my personal information. This has all occurred on XXXX XXXX, 2017.
Product: Checking or savings account

I have a Citi checking account ending in XXXX. I can not get the online access. I am getting this error : Looks like this account cant be registered online. 

Please chat with us or call customer service for assistance. 

Chatted with XXXX on XXXX XXXX- no help at all. 

I have Citi credit card also- i have no idea why Citi can not add my checking account to that online ID Citi is so inefficient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that does not belong to me and i want it to be remove from my credit asap. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 
6. Identity Theft XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

10. Identity Theft XXXXXXXX Account Number : XXXX This is not mine. 


XXXX 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft 01 XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPBs findings indicate that Zelle had not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Student loan

On XX/XX/XXXX, XXXX I received a notice from MOHELA that I was on administrative forbearance while they recalculated my loan payment. In the notice they said that payments would be stopped, but that I would received a notice and a bill 21 days before my payments went back into effect. 
However, I received a bill on XX/XX/XXXX stating that I had a payment that was due XX/XX/XXXX and would be auto withdrawn from my bank account. 
Today is XX/XX/XXXX and they did take my student loan payment out. I had XXXX business days notice and only XXXX regular days notice. 
I also have not had access to my online MOHELA account since XX/XX/XXXX since it states that I am being moved over to another website and they will notify me when it is finished so I cant even see anything about my account on there and havent been able to for almost a month. So it was not possible for me to see this bill prior to XX/XX/XXXX. 

How am I supposed to plan my budget when they keep changing things and giving me the wrong information?
Product: Vehicle loan or lease

The complaint is with Westlake Financial Services, XXXX XXXX XXXX XXXX XXXX XXXX. CA XXXX I purchased the car in XXXX, I paid {$420.00} a month. I requested them to change the date, because I am Social Security. I only get paid on the XXXX of month. The company refused... said they do not do that. So I paid my last payment on XX/XX/XXXX. My payments were due on the XXXX of the month. 
I would make payments my phone, on the phone recording it never included any accrued interest. It allowed me to pay the {$420.00} for the last 5 years. The recording never disclosed any added interest to the account. The word is disclose. I called a couple times and they refused to put the balances on my credit report, which is a violation of FCRA. I am now at end of my loan, and they are trying to stick me with an extra {$1700.00} added for interest, but on the recording when I went to pay my bill every month it said XXXX interest when I went to make the payment I called today, the supervisor, claims it was on the contract when I bought the car from XXXX XXXX XXXX. The claim I was late XXXX times, yes, I am on Social Security, I can only pay on the 3rd on the month.!! These people are scam artist, and it is out the bag. They told me on my original contract was 5 % of the loan amount. My thing is that needed to disclose that on the phone, instead of saying your payment is {$420.00} with XXXX interest. This is predatory lending and its best!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

THEY ARE SHOWING A LATE PAYMENT THERES NEVER BEEN A LATE PAYEMENT AND THEY NEVER VERIFIED. 

Account Statement DateXXXX XXXXCurrent Balance $ XXXXRegular Monthly Payment Amount $ XXXXAmount Already Paid for This Month- $ XXXXPast Due  Amount ( if applicable ) + $ XXXXCurrent Amount Due {$0.00} While not required, you may continue making monthly payments even if no payment is due, as interest
Product: Credit reporting or other personal consumer reports

A late payment is being reported in my XXXX XXXX XXXX XXXX {$500.00} installment loan on XX/XX/year>. I WAS NEVER LATE on this account, and the late payment should be updated to paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting that my year of birth is XXXX. My year of birth is XXXX. 

The following inquiries was not authorized by me. Please assist me in getting these inquiries removed from my credit file. 

XXXX XXXX ( 2 TIMES ) XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX ( 3 ) XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dispute this account. It was opened without my knowledge, authority or consent. 
XXXX XXXX XXXX XXXX
Product: Debt collection

Account was charged off by XXXX XXXX XXXX  while under XXXX XXXX. Alleged debt is incorrect as there are fees that are applied that contradicts the program agreement. True known amount of any outstanding balances are unknown. This account has unauthorized charges, inaccurate account fee ( XXXX ) and was under dispute and protection at the time the account was sold to the alleged account buyer LVNV Funding LLC. 

I DO NOT OWE WHAT THEY ARE ATTEMPTING TO COLLECT. LEGAL DEBT OWNERSHIP DOCUMENTS HAS NOT BEEN PROVIDED. LEGAL CHARGE OFF DOCUMENTATION FROM ORIGINAL ACCOUNT OWNER HAS NOT BEEN PROVIDED. LEGAL DEBT BUYER OWNERSHIP NOT PROVIDED. 

I WILL NOT BE BULLIED INTO PAYING AN ACCOUNT THAT IS INACCURATE.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of fraudulent inquiries from my credit report. Upon reviewing my credit report, I have discovered several inquiries that are not authorized by me. These inquiries are damaging my credit standing and have the potential to cause significant harm to my financial reputation. I have already submitted a report to the Federal Trade Commission ( FTC ) regarding these fraudulent inquiries and have enclosed a copy for your reference. Despite this, these inquiries are still being reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I demand that these inquiries be removed immediately. 
XXXX XXXXXXXX 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

My family moved from XXXX to XXXX XXXX Michigan and there was no TCF Bank / XXXX XXXX  in the town we moved to. We did a change of address because we still had a couple bank accounts open with TCF Bank / XXXX XXXX. They changed all of our accounts over however missed one. Somehow XXXX put some unauthorized charges through our account causing overdrafts and a negative balance. TCF Bank sent notices to our old address and there was no one living at that address so the mail did not get forwarded. By the time we knew about the account being negative TCF Bank had sent it to collections within a month. TCF Bank / XXXX XXXX never called us or anything, instead their rude obnoxious collections company was the first we heard of a {$260.00} negative balance. I called customer service and could have paid them right away, however they told me there was nothing they could do. They told me I could go through the collections company or I could go right to the bank branch and take care of it. Over our holiday break on XX/XX/XXXX, we drove 220 miles to  the closest TCF Bank / XXXX XXXX. We paid the balance and got a receipt. The employees at the branch treated us very well, they were very nice at the branch level. Two weeks later, on XX/XX/XXXX we received notification that the " unpaid '' balance had been put on both myself and my wife 's credit! I called the branch and they said they would take care of it right away and for some reason our payment had not been applied. About a week later we were still getting calls about this unpaid balance from the rude obnoxious collections company. I called the branch again and they said it has been taken care of however it is still on our credit! See also my complaint on XX/XX/XXXX # XXXX to the CFPB regarding TCF Bank / XXXX XXXX. Maybe they are just incompetent when it comes to customer service at their main office, maybe it's coincidence, maybe they are targeting me and my family. My wife is XXXX  and this is all very stressful! TCF Bank soon to be TCF Bank / XXXX XXXX  has horrible customer service, deceptive bank products and gouges their customers with high unnecessary fees. I want this taken off me and my wife 's credit or we are considering talking to a lawyer.
Product: Credit card or prepaid card

I called Citibank phone number XXXX on XX/XX/XXXX at XXXX to be connected to a representative to report suspected fraud because a balance of approximately {$26.00} had been showing on my account despite recent payments I made totaling {$300.00}. I asked to remove any fees or interest that may have been charged to the account. Additionally, I had never been in possession of a Citi ThankYou Preferred MasterCard credit in my name card not have I ever seen such a card. Citibank. I was  assured the problem would be resolved and understood the account would be closed. I had not made any charges because I had never possessed a Citi MasterCard branded ThankYou Preferred physically or had the numbers of the card to use online. Additionally, I had never requested to open such a card product which I presume has a MasterCard logo. Going to Citibank website today to check on my accounts, I am alerted of a {$120.00} balance which it says I need to pay. I am still suspecting fraud because I have never used the card to rack up such a balance.
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 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, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 30 financial loss, and I seek appropriate redress for theee violations.
Product: Checking or savings account

XXXX XX/XX/XXXX of XXXX I went to navy federal to see how much I owed them they told me I owed {$340.00} or $ XXXX.never did the teller say. Owed almost {$3000.00} or anything about money owed back for tax child credit. So when my son social security check was deposited into my account for {$2900.00} they took it and closed the checking account down.My son father died in XXXX so it was his back pay for XXXX and XXXX Im just beneficiarie.They never let me set up a payment plan or anything basically told me that there was nothing I could do about it.Social Security requested the money back and they closed my account.Im in distress and my son our living situation is behind because of the negligence of my bank whom I choose to trust with my finances.I really need you guys help. Social Security told me you would be my best option.sincerely XXXX and XXXX XXXX XXXX
Product: Credit card

I have had issues with my primary bank account regarding flagged transactions or ACH payments being returned. Unfortunately this has led to a number of Capital One payments being returned on my account. 

The customer service rep informed me that XXXX payments had been returned in the last 7 months. This led to Capital One closing not XXXX, but XXXX of my accounts with no notice as of XX/XX/24. 

Despite having returned payments, I have never missed a payment and the majority of months have paid my balance due for the month and not accrued interest. 

Capital One gave me no previous notice of infractions, or warning of any kind regarding this. The closure was sudden and unexpected. I even processed another payment to cover all overages yesterday, not realizing that the account had been closed and would be unable to be used.
Product: Mortgage

My loan is almost 2 years old. I noticed this year that my taxes for XXXX and XXXX were not paid. I called them over 14 days ago to find out what was going on since they collect escrow money on my loan. They could not say what happened and told me they would be in touch in 48 hours.

A week later I called and advised no one had contacted me. This time they said it would take 10 days to investigate and that they would take care of the taxes. 

This week I received a letter saying that they are processing my account for an escrow exemption. This comes too late as now there is over {$500.00} in late fee 's due to the county for their negligence. 

I need help please this is beyond unprofessional and I'm starting to wonder if this is some kind of fraud to take my home away.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX XXXX employees purchase a consumer report from a consumer reporting agency without my written authorization or consent. In purchasing this report from this particular consumer consumer reporting agency called Early Warning Services, XXXX XXXX employees willfully deprived me from opening a checking account by denying the completed application which proves a pattern of using discriminatory practices to deprive and steal from applicants. Such corporate tyranny also constitutes extortion of credits and restraint on trade of contracts to benefit only XXXX XXXX and not the real time investor who invests actual cash value to XXXX XXXX through applications.
Product: Credit reporting or other personal consumer reports

I am sendung this complaint to formally demand the correction of an inaccurate late payment reported on my credit profile. The item in question is : CAP ONE AUTO XXXX BALANCE {$22000.00}
Product: Student loan

I would like my loans forgiven. I am filing a formal complaint. My personal and financial information was compromised without my authorization. The Family Education Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and resulting compromised to my personal and financial business information I request that you immediately cancel and discharge my student loan debt. Please take care of this matter. 
XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

there are accounts due to identity theft that are reporting onto my consumer report that shall be blocked and removed, per 15 USC 1681 within 4 business days. Your company has been negligent in my previous request of blocking the fraudulent accounts. I did not receive goods, money or services as a result of these transactions, I did not received any benefits from these transactions. This request is not being made in error or based on material misrepresentation so your company shall not decline or rescind to block the following items from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items from my credit report : Inquiry XXXX XX/XX/2020 Collection XXXX # XXXXXXXX XXXX XXXXXXXX # XXXXXXXX XXXX # XXXX XXXXXXXX XXXX  # XXXX XXXX  XXXX # XXXXXXXX XXXX # XXXX Late Payment XXXX XXXX # XXXX No Category XXXX  # XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : LOANCARE XXXX
Product: Credit reporting or other personal consumer reports

I need your assistance regarding the false account on my credit report. This issue has been damaging my reputation as a customer, and I require your help to resolve it. These accounts should be removed as they are reported incorrectly and negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 items : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$1500.00} ; XXXX XXXX XX/XX/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 sent several certified letters to EXPERIAN advising that the bankruptcy that's showing on my public record is invalid and needs to be removed. An investigation was done by EXPERIAN and it came back verified each time. I then contacted the clerk of courts to ask them how do they verify information, especially incorrect, to EXPERIAN. I was advised that they do not verify information to credit bureaus. With this information, I sent EXPERIAN a copy of the letter from the clerk of courts asking once again for EXPERIAN to remove the bankruptcy from my report. EXPERIAN still has not removed the bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is in violation of the Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports, and Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments. XXXX XXXX is reporting a 30 day missed payment on my credit report. Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports states, " If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. '' Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments states, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ''