23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Citibank can give me my money in a full amount in my account and not be around me for a payment, if this is the case, I think that this is because they need an opportunity not that I do. If it is not a full payment in my account, then it is not a payment.Citibank is trying to pay me off claiming my own things. Sexual Harassment is also a case with Citibank. Can somebody let them know that I am not their lover nor do I wish to be. Citibank is looking for coins because they are doing bad is why they are messing with my credit. This creates an opportunity for them. A full amount in my account and not a job using my own things that they wish to claim.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Account from Credit Reports.

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding inaccuracies on my credit report that violate my consumer rights under federal law. Despite my efforts to dispute the information directly with the credit reporting agencies, the inaccuracies remain unresolved, which I believe constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws.

The specific issue in question involves the inaccurate reporting of an account that I have disputed, yet it continues to appear on my credit report without proper verification. I have contacted the relevant credit reporting agencies, but the disputed item has not been removed or corrected. This failure to address the inaccuracy is a direct violation of my rights as a consumer under 15 USC 1637b, which mandates that creditors and credit reporting agencies provide accurate and timely information to consumers.

Under 15 USC 1637b, creditors and credit reporting agencies are required to ensure that the information they report is accurate and reflects the true state of a consumer 's credit history. This law protects consumers from being harmed by the presence of unverifiable or inaccurate information on their credit reports, which can negatively impact their ability to secure credit, loans, or other financial services. 

The continued presence of this inaccurate information on my credit report is causing significant harm to my financial well-being, as it is negatively affecting my credit score and making it more difficult for me to obtain credit at favorable terms. I am requesting that the CFPB intervene in this matter to help ensure that my consumer rights are upheld and that this inaccurate information is removed from my credit report in accordance with federal law. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX ( Original Creditor : XXXX TX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX Medical XXXX XXXX : {$190.00}
Product: Student loan

I was just reading an article about how Navient has been accused of steering borrowers towards forbearance instead of income based repayment plans, and this is exactly what happened to me. It was only in hindsight after having a co-worker inform me about the income based repayment plans that I realized I had been misinformed that forbearance or deferment were my only options. I also see from this news article that Navient is denying those claims ; however, you can add me to the list of individuals that were taken advantage of in this fashion. I guess when the rules say that the interest is capitalized back onto the loan if you ca n't pay in full, it incentivizes the lender to maximize it 's profits? 
I graduated in XXXX XXXX and was told that my student loan payment would be around {$570.00} per month, and did not begin paying until XXXX XXXX after 2 years of forbearance and deferment. I kept trying to figure out how I was going to stretch out the maximum numbers of years that I was allowed to defer, as that was the only information I was given by this company.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft this is why all of a sudden there are 1 million inquiries, but they're not from me. I've reached out to each and every one of these banks they're aware of the fraudulent activities, but they said that it was up to the credit union to remove the inquiries. That you would reach out to the bank, and they will confirm that they were fraudulent and all of these inquiries below would be removed from my credit report and I know what you're gon na say. These were reported to you yes by criminals who were trying to open credit accounts without my permission, but these are not my credit inquiries I didn't apply for any of these cards 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My name is XXXX XXXX . That is my only name. Any other variation of my name was submitted to the credit bureaus fraudulently to attempt to open lines of credit without my permission. XXXX XXXX is the only name that should be listed on my credit report nothing else. All other names all other combinations or versions of my name should be deleted and again I know somebody reported them to you. That was the criminal who was trying to open illegal credit cards fraudulently please remove all of the versions except for XXXX XXXX. 

For the past 27 years I have lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX before that I was still living at home in XXXX. XXXX XXXX XXXX XXXX is my home address and the only address that should be listed on my credit report. Any other address was submitted to you fraudulently. I was a victim of identity theft, and all other addresses were being used in the attempt to open lines of credit without my permission All other addresses except for XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX should be. Removed immediately as fraudulent feel free to check with my credit cards. That's the only address they have. 


XXXX {$10000.00} and {$2500.00} transactions on the card are fraudulent. The bank has not performed a proper investigation. 

XXXX XXXX XXXX XXXX is not closed. The account is still open with {$1000.00} credit limit. 

XXXX both XXXXXXXX XXXX  and XXXX 's credit cards are still open and active. Not sure why they're being reported as closed. They are not closed.
Product: Credit reporting or other personal consumer reports

I filed multiple disputes against the creditors XXXX, XXXX, XXXX, XXXX XXXX XXXX and XXXX due to incorrect investigations reflecting on my credit report. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). They alleged the company of accepting unreliable information, failure to notify the consumer dispute results. This aligns with my situation! Experian has not attempted to remove, nor correct any information on my report. I'm requesting these derogatory remarks be removed immediately as it is affecting my chances on a better line of credit for a new car and house. Experian violates my rights as a consumer, as well as federal laws.
Product: Money transfer, virtual currency, or money service

Hello I wired {$60000.00} ( XXXX XXXX  ) to XXXX/Coinbase onXX/XX/XXXX, I verified every information on XXXX page, routing #, acc # and wire message twice before sending the money.

wire info : REF : XXXX XXXX XXXX XXXX TRN : XXXXXX/XX/XXXX After a few days without my Coinbase acc being credited I wrote support and they gave a ticket # XXXX, on XXXX I received this email " '' Hi XXXX, Thanks for sending in the requested information.

The wire may be returned because it was missing your banks details in the originating institution field.

I am working with a payment specialist to address the wire properly. We will follow-up with you as soon as we have an update " As of today XXXX  I haven't received any update on my case, customer support doesn't respond my emails, phone support does not have access to bank transactions, basically there is no real person to talk to about this type of issues, just an unresponsive email address.

bottom line, as ofXX/XX/XXXXI don't know where my money is.

Thank you
Product: Debt collection

My student loans were transferred to a new service provider in the beginning of  XXXX . My original provider was  XXXX . My loan was transferred t o FedLoanServicing.  I made my regular payment at the end of  XXXX  and it was withdrawn from my checking account on  XXXX   XXXX .  FedLoanServicing h as no record of this payment and now I am being shown as being 30 days delinquent on my loan. I contacted  XXXX  initially they were able to find my payment and they indicated that it would be sent over to the new provider. I called back a week later, they noted they cant find my payment at all. They asked for me to send proof of payment. I sent the proof from my checking account statement. A week later, still no response or transfer of my payment. I am now being told that it will tak e 60-90 days for my payment to be transferred.
Product: Vehicle loan or lease

Without notice, my vehicle loan account with Ally Bank was transferred to a debt collection company on or about XXXX XXXX XXXX. The first information I received about it was a notice from the debt collector, XXXX XXXX XXXX, XXXX, demanding information about my vehicle and for me to acknowledge the debt. I then went to the Ally website and found that my account information had been deleted. I had recently discharged my bankruptcy case however my vehicle payments were up to date at the time I received this notice. I have since continued to send my monthly payments to Ally Bank. To this date none of them have been returned to me and I have received no contact from them about transferring the servicing of XXXX loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

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 was in the Equifax leak is what I have been told among many other leaks. My info is all over the XXXX XXXX. Since XX/XX/2019, I have had severe problems with all of my accounts, phone numbers, and emails being stolen. Not once, but continuously- it is still happening. 
Becasue of this I can not fight the situations or find a job because I am being attacked and my communications taken away. 

I know who the culprit is and I have proof, but the police refuse to do anything or even look at the proof. 

I have called and gone online several times to get my credit report and file a freeze but they require a phone number which I do not have because they are consistently stolen form me. If I buy a new one, the sim card would stop working that day or next day, I am being stalked and though not completely ure why they follow me to the store so I think they keep track of how much I spend or else are somehow ripping me off. 

Our bank cut us off and doesn't want to do business anymore, but refuse to explain why and say the matter is closed and they will never tell usm, but we have so much money stolen and we need it back. 

It is an impossible situation and noone will help me ...
Product: Credit reporting

There are XXXX credit inquiries on our credit report dated the same date. XXXX of the inquiries came from short term loan cash provider. The XXXX came from some sort of credit bureau presumably used by the XXXX entity. I have spoken with the short term loan cash provider describing my circumstances. They indicated to me that they have no information on me on file which suggested to them that someone attempted to get a loan using our name and possibly our social security number but were rejected before the official application process. Both inquiries show up on our credit report but they were not related to activity generated by me or by my wife. So, we are nervous that at least one person may have some form of our identity but we are not sure which information or how much information they may have. The date of the inquiries was XXXX XXXX, 2016 and there has not been any further unknown activity since that date.
Product: Student loan

My loans transferred to Navient in XX/XX/2015 for some reason they disappeared and came off my credit report completely for an entire year I called to check on them no one knew where my loans were they wrecked up {$5000.00} in interest even though they were no longer on my credit report and XXXX and had no idea where my loans were. I continue to call over and over I asked to talk to supervisors with no response back Ive asked for a list of my bills and where my loan has been they always there for me to another department or student loan services
Product: Checking or savings account

I am submitting a formal complaint regarding unfair and discriminatory treatment by Truist Bank against my small business. 

My company, XXXX XXXX XXXX, held a business checking account with Truist Bank since XX/XX/2023. After establishing a deposit account with Truist. I signed up for Truist Retail Lockbox services based on assurances from the VP of Treasury Management that setup would take 2-3 weeks. The lockbox services are crucial for efficient processing of the business 's customer payments.

It has now been over 2 months since I initiated the setup for the Retail lockbox services, and despite countless phone calls, emails, and in-person visits to our local branch, Truist has failed to provide access to the promised lockbox services. 

I have spoken with several Truist representatives, including relationship manager at Treasury Management Services and VP of Treasury Management successor who have been unable to provide any update or timeframe for completion for the Retail lockbox. Their continued excuses and delays are unacceptable and negatively impacting my business operations. 

Most concerning, my business associate emailed the XXXX XXXX XXXX XXXX XXXX XX/XX/2023 and I emailed Truist XXXX XXXX XXXX XXXX XXXX XX/XX/2023 detailing the poor service and lack of resolution. Within 48hrs of my business associate 's email to XXXX XXXX XXXX Truist closed his business account and mine without notice or any explanation. I believe this was direct retaliation for complaining rather than addressing the issue at hand. 

We contacted a local Truist branch manager to look into the situation, she contacted the individual who closed the accounts and they denied her an explanation or to provide her with any details on who authorized the closing of the accounts, which was suspicious according to her many years with the bank.

Closing my deposit account without notice left me unable to move forward with projected plans and caused tremendous disruption to my business that has set me back 2 months. 

Despite their claims to help small business customers, Truists negligence and ignorance in handling my account services and account closure displays discrimination against my company. I made every effort to resolve matters directly with the bank before reaching out to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I had a credit score of XXXX. There were no issues regarding a XXXX  XXXX XXXX credit card on my history. After the car purchase, my credit dropped dramatically. After looking into this, I discovered that XXXX had pulled 2 hard inquiries ( 1 without my consent through XXXX ) and suddenly I was getting hit with an issue with a XXXX  XXXX XXXX credit card. I attempted to fight them and explained I never applied for the card. My husband XXXX was the applicant. They argued with me that I was a co borrower of this card. Furthest thing from the truth. I requested proof of my signature for this card and after months of waiting they sent me a scribbled line that they claim was my signature. It was not. My signature card on file with XXXX XXXX XXXX is very legible ; as it is with all my signatures. I feel that because they are a large corporation they are attempting to fraudulently place my name with my husbands battle with them. I never once purchased anything on this card. My husband is currently in conversations with settling with them on his own issues of this card. I am beyond frustrated that it never came up until last year. It has ruined my credit score. I feel helpless and will not accept something that is not mine.
Product: Credit reporting or other personal consumer reports

I have a collection on all three credit bureaus. It has been settled and paid. I was told by the company it would be reported and updated. It was not. I contacted Experian and was told I had to pay for them to look at my credit report and that basically they were not going to remove or update the information to be be correct. I was told it didnt matter because it would still show as a negative report on my credit reports even if it was a XXXX balance. I also asked them why I still had a late payment from a previous bank from the year 2013 still showing as potentially negative on my report, although the account has been satisfied and closed. I was told there are different reasons it would still be there but wasnt given any of those reasons. I have disputed these issues and others and they are always denied. The credit bureaus have incorrect addresses and names on my report and refuse to remove them. I also have documentation from the financial institution stating the account is paid satisfied and closed.
Product: Checking or savings account

BS '' D Hi to all I am having the worst bank relationship ever with XXXX/netspend. 
Did two 100 % Legitimate DD 's from payroll but wouldn't give me the bonus claiming that it didn't come as dd even though their computer categorized it as a dd. 
After complaining to XXXX  got the bonus but when trying to transfer to external Account was suddenly blocked as fraud and since then asking me for various documents. I sent them by email and then waiting to be able to transfer money. 
They never sent anything by mail I always had to call them and wait very long time and would get answers by representatives. Now they say that they need a colored copy of the documents. They closed my Account and are holding my money. After long time got a call from corporate office manager saying that my money will only be returned to my payroll account after getting a letter of indemnity from my employer as a another way of harassment and means for holding the money for a longer period. He too is not ready to send any official mail asking for documents but by phone only. 

Thx and b blessed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX CBNA 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 CBNA 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  When I try to call CBNA they tell me the account is old and they can not find information on this account but they are still reporting it to all three major credit departments. 

I would like these two account remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 
15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY 215 USC 1681 SCETION 604 A SECTION2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 UCS 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint due to a unauthorized account from XXXX. XXXX, XXXX # XXXX ( XXXX XXXX XXXX ) I have never had a XXXX account for cable or internet. Someone has use my name and information to open up an account. I am disputing this under the FCRA XXXX, XXXX, XXXX.