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

I opened a checking and savings account package with Citibank on XX/XX/XXXX and immediately deposited just over {$50000.00} to take advantage of their account opening bonus offer, which offered {$700.00} if you kept the money in for 60 days. After the 60 days, it could take up to another 30 days to post to the account. The promotion code I opened the account under was " XXXX. '' I verified this promotion code through a Citi customer support person via phone call twice to make sure my account was eligible and would be receiving the bonus. They confirmed that it would. 

I contacted Citi on XX/XX/XXXX and XX/XX/XXXX to follow up and make sure I was still on track for the bonus, as I had read online that other people had issues with actually receiving it. I had one other call that was made to solve a problem I was having with my password, but that was solved without much issue. 

I logged into my account on XX/XX/XXXX to find both my savings and checking accounts closed with no reason given. I checked my email and there was nothing there, either. I received no notice or reason for my account closures. I had to open the customer service Live Chat again to speak with someone who told me that there was no reason for the account closure listed. They asked me to call the account opening department, which at that time had a wait of 881 minutes. How am I realistically supposed to wait that long? 

Apparently, they put my life savings in the mail and couldn't provide me a tracking number. So, it was either wait 881 minutes to try and get a tracking number from a real person or wait for my checks to arrive in the mail. Which, they finally did. 

And when both checks ( mailed separately ) arrived, there was STILL no reason for the account closures. I STILL don't know why Citi closed my accounts and is trying to avoid giving me what I am owed. 

I finally got someone through Citi 's " XXXX '' XXXX account, who followed up with me by phone after the fact. They still couldn't give me a reason for the closures, and assured me that they would be opening an investigation into the issue. This investigation was supposedly opened on XX/XX/XXXX and I was told it could take up to 20 days to resolve. 

I feel like I am being given the run-around. I just want what I am owed. I have attached the chat logs with Citi to this complaint and can provide phone call dates/times if necessary.
Product: Mortgage

XXXX XXXX, of Lennar Mortgage, has blocked authorization of the loan needed for my purchase of a new home because I am XXXX XXXX. First, I was encouraged to do all of the documentation necessary in order to process the loan and purchase the home by XXXX XXXX. But once a copy of my drivers license was submitted to XXXX XXXX, all road blocks have been put in place to deny me the loan to purchase the home. XXXX XXXX has even gone so far as to hack into my email in order to corrupt a document that I sent to him in order to comply with the documentation requirements. After XXXX XXXX explained to me his experience with the U.S. Veterans Administrations access to documents, he hacked into my email in order to corrupt a a VA statement of a paid debt document ( it appears to now be encrypted ) in order to cover up his discrimination. I have made demand to Lennar Mortgage to return the {$850.00} earnest money submitted to Lennar Mortgage to set the home aside for my purchase. I have asked repeatedly for my money back, but to no avail. XXXX XXXX, acting on behalf of Lennar Mortgage, has refused to complete the purchase process for the home, and refused to return my earnest money because I am XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian -report inaccurate information 1.

There a creditor XXXX XXXX XXXX that is reporting negatively on my credit report. Date open XX/XX/XXXX amt {$1000.00} and everytime I call the creditor they say they dont have this loan on file, and I get no place with them. I have sent to Experian my payment history when I attended University and it shows a XXXX due. But yet each time I ask them to delete this they send me a letter saying its been investigated and staying contact creditor. The creditor does not assist me and hang up on me. I have written letters to them and I Graduated. You are not able to walk at the commencement ceremony if you have a balance.

Experian is not helpful at all.

2.

Experian- report negatively XXXX XXXX Date open XX/XX/XXXX XXXX was purchased by another creditor, my account included which is currently reporting on the credit bureau in good standing. All that happened was my account number changed, but Experian is reporting XXXX, XXXX as closed.

This has been requested on several calls and letters to delete this off my file, that they are actually reporting the information twice. My account was never closed it was assigned a different account number and that one to is reporting on my credit profile.

The old owner 's of XXXX has been unreachable and the new ones ' are reporting accurately
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX  XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/2024 Amount : {$14000.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report.EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

There were withdrawals from my checking account that I did not authorized when I went to the bank they told me that two companies were using my checking account number and router number to withdraw money from my checking account with TDBank. XXXX WITHDRAW {$4.00} on XX/XX/year> and {$24.00} on XX/XX/year> I did not authorized these payments, they stole my checking account number and my router number to make these withdrawals. The bank refused to give me credit for these charges that did not authorized. There were also other withdrawals made from my checking account with faked Checks made with my information. They printed my name, address, phone number, account number and said that I authorized those checks. They stole my information and made these withdrawals XX/XX/year> {$3.00}, XX/XX/year> {$31.00}, XX/XX/year> {$34.00}, XX/XX/year> {$29.00}, XX/XX/year> {$31.00}, XX/XX/year> {$34.00}, XX/XX/year> {$29.00} TD Bank refused to give me credit for all the money withdraw from my checking account without my authorization. Someone stole all my information. I am XXXX XXXX XXXX and they committed fraud and stole My money. Please help me because TD bank doesnt want to give me back credit for these charges
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

In 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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Mortgage

Our mortgage company, XXXX XXXX ( previously owned by XXXX XXXX ) sold our mortgage to Residential Credit Solutions in XXXX, XXXX. Our payments were roughly $ XXXX/month at 9.95 % interest. My husband lost his job in XXXX. We knew our payments were going to be impossible to maintain, so in XXXX, began the process of applying for a modification. XXXX XXXX, and then Residential, made it impossible for us to receive a modification which would make the payments more affordable by continuously delaying the process for about 18 months, then finally gave us a " Supplemental Modification. '' This did not lower the monthly payments, kept the interest rate at 9.95 % and extended our mortgage to 40 years. Since they had already begun sending us foreclosure letters, we had no choice but to accept. We contacted several government agencies and representatives, to include CFPB XXXX XXXX XXXX ( who, by the way, did not listen and were very rude ), and no one would help or listen. I am attaching several documents to support our complaint. After giving up actual living necessities and cashing in our retirement to bring everything up to date, we applied for and received a new variable rate mortgage through a XXXX 2.75 %. Of course, this interest rate will go up ; however, our current monthly mortgage payment is now a little over {$700.00}. We had to incur closing costs, legal and appraisal fees, etc., in addition to the more than {$20000.00} in interest payments over the lifetime of the " modification '' as a result of Residential 's predatory practices and other agencies ' lack of consideration towards us.
Product: Credit reporting or other personal consumer reports

I do not consent to e-OSCAR verification and want an actual living human being to read this complaint. I will have my marked-up consumer report attach below in reference to my federal consumer rights being violated by the XXXX XXXX XXXX reporting 's. Every circled furnishing attached below is a violation to my federal consumer rights. My invoice for actual damages and violations will be attached also. I have already attempted to have Transunion update these accounts properly but unfortunately, they are continuing to be negligent, and I fully intend to pursue arbitration or litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 U.S. Code 1681n - Civil liability for willful noncompliance and 15 U.S. Code 1681o - Civil liability for negligent noncompliance.
Product: Prepaid card

On XXXX XXXX  I got a AMEX pre paid gift card of {$500.00}, Ive tried to use it at XXXX, XXXX, and XXXX  and all of them declined the card or said contact the card issuer. On XX/XX/26 I called the AMEX costumer service and they said my card was blocked, but I never used it on any suspicious websites. I couldnt understand the worker that well and he didnt give a reliable solution. They are keeping my money and its a shame {$500.00} is going to waste. So many other people have struggled from this problem and its crazy how American Express hasnt fixed this problem.
Product: Credit card or prepaid card

My schedule a payment on XX/XX/XXXX. 
For the full balance. 
Of {$820.00}. The first and I spoke with on the retention team tried to keep me so he offered to take the late payment away. 
And reply my payment and I agreed to that. 
Now I am receiving collection letters and emails. 
Stating that I have a large amount do because the representative never reapplied the payment. 
At the very lease I would like to have the recorded calls listed to for further proof as to what has happend.
Product: Credit reporting or other personal consumer reports

I have attached the information with my opt-out notice to XXXX XXXX  XXXX XXXX I have followed the proceedings in 16 CFR 313.7 to opt out of non-public personal information to a nonaffiliated third party including XXXX, Transunion, and XXXX. XXXX  XXXX XXXX has not responded in a timely matter as this was sent out on XX/XX/2023, and it is now XX/XX/2023. This unauthorized information as stated in 15 USC 6802 must be removed permanently from XXXX, Transunion, and XXXX
Product: Debt collection

They reported a negative and erroneous error on my credit report. They do not have any document having my written signature or a contract that obligates me to pay them. I have no relationship with them, I owe them nothing and they continue to say that they are validating a debt which I owe them nothing. I sent them a certified letter asking for written proof and they have failed to do that. Sending me an electronic type statement is not " validation of a debt ''. I informed them that if they do not delete this from my credit report I will look to take legal action against them
Product: Debt collection

I found there are three fraudulent credit card accounts on my credit report from XXXX. I called XXXX, and they have frozen my credit score and disputed the collections amounts. 
XXXX fraudulent credit cards from XXXX bank. XXXX collection amount is {$5700.00}, and another collection amount is {$15000.00}. The credit report shows that these two accounts were opened in XX/XX/XXXX. They are all fraud accounts, I have never opened a credit card at XXXX Bank, and I do not recognize these two credit card accounts from XXXX Bank. 
XXXX fraud credit card from wells fargo bank. The collection amount is {$2500.00}, this account showed was opened in XX/XX/XXXX and closed in XX/XX/XXXX. I have never opened any credit card at that time only had the account opened for 5 months. Its a fraud account, I do not recognize this credit card account. 
My social security number must get stolen from the letters I put in my recycle and my identity was stolen to use an open credit card.
Product: Credit card

Why is BMO calling me now, when I'm no longer a customer? The communication for resolution from BMO, is to remain posted with the CFPB. XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX BMO Bank N.A . stated the following : " On XX/XX/XXXX, a credit balance refund of {$27.00} was sent to you. On XX/XX/XXXX, the check was cashed. Attached is a copy of the endorsed check. '' No copy, of this refund check was attached in the CFPB response, as a refund check was never received by me. Second request, access a copy of the described refund check endorsed- can you please mail it or make it available online with this complaint notification? 

XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX BMO Bank N.A . stated the following : " Our records indicate you were assessed a {$27.00} XXXX XXXX XXXX on XX/XX/XXXX due to an automatic payment made on XX/XX/XXXX that was returned for non-sufficient funds. '' This is the first time, since discovery of the BMO erroneous credit card fee, any of the BMO representatives I spoke with, could try to conjure explanation for the mystery fee. I'm requesting a copy of these said details of the automatic payment described. 
Again, I was told many times by BMO representatives they had no reason, to charge a fee, they didn't know or couldn't find any internal BMO 'fee description ' matching it. I was told the the {$27.00}. plus my rewards funds would be refunded to me, has referenced CFPB # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A certified letter was sent to Transfinancial Companies on XXXX XXXX United States Postal Services display " delivered '' from a company representative on XXXX at XXXX am ; Tracking # XXXX ) displaying their Violations of Fair Credit Reporting Acts. Transfinancial Companies has ignored the complaint, failed to adhere to the requested information per the law & failed to delete the company 's fraudulent reporting to XXXX, XXXX XXXX XXXX.
Product: Checking or savings account

I am writing to express my ongoing concern and to seek resolution regarding the mobile deposit issue that I previously reported. Despite the closure of the case on your end, the issue remains unresolved from my perspective. 

In an earlier complaint, I was advised to present the physical checks or contact the check maker to file a claim with their bank. However, I must reiterate that the physical checks are no longer in my possession, and the check maker was unable to file a claim with their bank for the funds. This puts me in a challenging position, as I am unable to follow the suggested steps. 

Given this predicament, I am seeking your assistance in understanding how I can recuperate the money that was deposited into my account ending in XXXX. This amount represents a significant sum, and its absence has caused considerable financial distress. 

I respect the bank 's policies and the necessity of security measures. However, I believe my situation warrants special consideration due to the unique circumstances. 

I kindly request a re-evaluation of my case and a clear pathway to resolve this issue. Your prompt attention to this matter would be greatly appreciated. 

Thank you for your understanding and assistance. I am looking forward to your response and a favorable resolution. 

Sincerely,
Product: Credit reporting or other personal consumer reports

As of XXXX XXXX the loan balance should have been reported as {$0.00}. The balance has been paid. However it's still showing a balance owed. This account t should be reported correctly.
Product: Credit card or prepaid card

On XX/XX/22 I called Capital One and complained that I did not receive a new card when my old card expired on XX/XX/22. The representative cancelled the old card and issued a new replacement card with a new number. She did not tell me the reason I was not sent a new card on my old account was because Capital One raised the interest rate from XXXX to XXXX. When I noticed the unauthorized increase in the interest rate I called Capital One and complained about the unauthorized increase in my interest rate. I told the representative to close my quicksilver account and return my interest rate to 19.99 %. She placed me on hold to speak to a supervisor, but the supervisor never answered the call. I want my Capital One Quick Silver account closed and the interest rated returned to my old rate of 19.99 %
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account name XXXX XXXX XXXX, account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. Also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Debt collection

After carefully checking my credit report, I identified several unauthorized accounts that I believe were mistakenly added.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a purchase at Lowes that cost {$7500.00}. My Lowe 's agreement that my interest rate would be XXXX for 84 months. In XX/XX/XXXX, they added all of the interest from XXXX which caused them to over draft my account and raised my interest and monthly payments through the roof. I call Synchrony Bank and Lowe 's and whom ever entered my bill did it wrong. I made several attempts to get them to fix it. They default on their contract and holding me responsible for their mistakes. They fixed some of the problems, but said I was responsible for over {$600.00} interest fee and as today 's date other fees. They have turn this over to a debt collector ( XXXX XXXX XXXX ) and I refuse to pay it b/c I did nothing wrong and the company is making this my fault. Before this mess, I had great credit and always paid this bill on time
Product: Debt collection

XXXX filed a 1099c for the debt, and it has been settled with my 2020 Tax Return. XXXX should either remove the debt off the report, report the balance as XXXX. 

Theyre still reporting negative remarks on report.