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

I changed my XXXX XXXX bank account at the end of XX/XX/year> and called in to request that Citi bank close my existing business bank account. The person on the phone confirmed that this could be done on the phone and stated the account would be closed within several days and a check mailed to my business address for the remaining {$42.00} that I'd left in the account. Several months later, I noticed that the account had not been closed and the bank had continued to charge it's maintenance fee of $ XXXX to the account. This resulted in non-sufficient funds on the statement for XX/XX/year> showed non-sufficient funds. Unfortunately, this became a problem in XXXX as I was applying for a mortgage loan from XXXX XXXX. It was denied by XXXX XXXX  due to having a statement with non-sufficient funds on XXXX of my accounts. I spoke with Citi bank to have the monthly service fees forgiven, which they did, but they would not help with either issuing a letter of correction or an amended bank statement to show to the mortgage lender that this was an error by the bank. Citi bank customer service also seemed to have kept no records of my interaction with their customer service that they could reference to help me with this problem. As we are well into our home buying process, this puts our entire escrow payment at risk if we are not able to secure another loan. Citi bank customer service at both the branch level and when calling their national number has been very unhelpful and unwilling to correct the record.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( XXXX XXXX XXXX ( XXXX ) ). Pursuant to XXXX XXXX XXXX, I have identified the following accounts that have breached these legal provisions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in XXXX XXXX XXXX ( a ) ( XXXX ). 

According to XXXX XXXX XXXX, Section XXXX ( A ), I have the right to privacy. Furthermore, under XXXX XXXX XXXX, Section XXXX ( A ), Section XXXX, a consumer reporting agency can not furnish an account without my written instructions. Also, XXXX XXXX XXXX ( a ) ( XXXX ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 

Finally, under XXXX XXXX XXXX ( a ) ( XXXX ), no person shall 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. Additionally, according to XXXX XXXX XXXX ( a ) ( XXXX ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
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. Also my information has been exposed in the data breach. XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Didnt recognize this hard inquiry on my credit report
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I had fraudulent account on my report. Please remove this account from my report, they are hurting my ability to obtain credit. I do not have a contract with this creditor, I do not recognize or authorize this account. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account SYNCHRONY NETWORKS XXX Opened XXXX. XXXX, XXXX with a Balance of {$8000.00} was incurred due to fraudulent charges, which according to XXXX XXXX XXXX XXXX XXXX I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. This account is trying to collect debt, which wad also listed on my credit report. I have requested several times for verification. This company will not furnish a signed authorization [ or proof of the procedures ], they just furnish a statement, which proves nothing. I asked to validate the numerous listings on my credit file and again all I receive is statements.
Product: Checking or savings account

On XX/XX/XXXX, I deposited two large checks that I had received from XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ) from my XXXX ( XXXX XXXX XXXX  ) into my checking account at USAA. USAA no longer has an actual bank that one can go to ; everything has to be done either by mobile app or through an ATM. I deposited these two checks, which totaled just over {$99000.00}. USAA immediately closed my checking and savings account and my son 's checking and savings account and denied access to all of our accounts. At the time that I deposited the two checks, I had {$22000.00} in my checking account. USAA said that the checks were fraudulent b/c XXXX had misspelled the first letter of my first name and for " other reasons. '' I replied that they had cashed three other checks by XXXX with the same misspelling with no problem, but their response was that the checks were " fraudulent '' this time b/c of the amount. A week ago, they lifted the freeze on my savings account and my son 's checking and savings accounts, but not on my checking account. They also informed me that they were " no longer terminating services with me '' and that they would lift the hold on my account " soon. '' However, I did not hear from them all of last week, and they also reinstituted the hold on my savings account and my son 's checking and savings accounts. I have changed the direct deposit for the various sources I receive income from, but those will take a few weeks to a few months. In the meantime, over {$6000.00} has been deposited into my account, including my paycheck from work, but USAA still denies me access to those funds. My current balance w/o the two checks that I deposited is {$26000.00}. I have been w/o any of my money for almost three weeks now with no end in sight. I am a widow, as my husband was a XXXX veteran who XXXX XXXX XXXX I still have XXXX children at home that I am caring for. I work XXXX and am unable to devote my entire day trying to get this resolved and gain access to my money. I have already opened up a new checking account at another bank, but it is not doing me any good right now when the direct deposits will not change right away, and I still do not have access to my funds.
Product: Credit reporting or other personal consumer reports

XXXX XXXX fake XXXX from XXXX on an visa and the entire family using fake identifiers including the daughter name is immaculate and the wife is XXXX. Stole my property my loan with XXXX XXXX XXXX XXXX loan no. XXXX and using a fake XXXX XXXX loan from broker XXXX XXXX as XXXX that they purchased from XXXX XXXX at a bank foreclosure sale XX/XX/XXXX for XXXX a lie. Without clear title he got around 30 loans all hit my credit file then cash two trust account checks in my name 1. XX/XX/XXXX XXXX. XXXX escrow check mailed out by supervisor XXXX on XX/XX/XXXX and he cashed them into a XXXX  account known as XXXX XXXX XXXX. Confirmed by XXXX XXXX XX/XX/XXXX that he stolen my identity and he provided me with property claim no. XXXX for XXXX. XXXX XXXX credit card XXXX XXXX confirmed that he got 4 credit cards in my name ending XXXX, XXXX, XXXX, XXXX and now capital one ending XXXX and rolling on. Faking that he is a doctor under license XXXX with fake Tin # XXXX and using my information and fake XXXX on your records must remove my identifiers from your records.
Product: Credit reporting or other personal consumer reports

i was called to my nancial aid oce, and i was told i my grant money wouldnt be enough to cover my tuition, i applied for student loan and then was encourage to look at my credit report, and when i pulled it, i saw accounts that didn't belong to me but it also seemed vary odd because im to young, like, i dont know how to apply for credit cards, this is horrifying where do i start, or before i can get started, i already had negative credit history, someone took advantage of me and i dont know who did it. I need help, I am a college student, the credit bureaus refused to help me, saying they verified information, of course you did, because its on my report, but they did no VERIFICATION PROVING OWNERSHIP OF ACCOUNTS, BY ANY SIGNATURE, PHONE NUMBER, EMAIL ADDRESS, OR PHYSICAL MAILING ADDRESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting

Hi, my name is XXXX XXXX ( XXXXXXXXXXXX ) This is the problem I have : On or about XX/XX/XXXX by XXXX XXXX XXXX a collection is reported on behalf Public storage ( XXXX XXXX, XXXX ). I disputed this as it is incorrect! I contacted XXXX XXXX XXXX and they filed to remove this on or about XXXX before. As of to day I do not have XXXX XXXX XXXX is not on my record, " ONLY!!! '' my score have not re stated the XXXX points! It was before XXXX ( XX/XX/XXXX after the XXXX XXXX XXXX collection report information was lowered to XXXX ( XX/XX/XXXX ) I Know that XXXX have a math to calculate the Credit Score, my problem is if my score changed do to! that negative input, why the same " math '' ( FICO score algorithm ) have not re calculated it? as now I do not have the " wrong '' input!? 
Can I have my missing score reinstated please. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXTEL : XXXX XXXX
Product: Debt collection

I have disputed this debt with the collection agency and they keep reporting this. When I decided to move from this property for job reasons in another state, my landlord and I had an agreement that as long as I had the property cleaned and had the lawn cut and the house in move in condtion and reliquished my security deposit to them they would allow me to break my lease and thats what we did. Never got any phone calls or written info from them stating I owed a balance. 

XXXX  XXXX XXXX Reported : XXXX XXXX, XXXX - {$8300.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$8300.00} Highest Balance {$8200.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Consumer disputes this account information Original Creditor Name XXXX  XXXX  Closed No Info Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX
Product: Debt collection

When this false debt first appeared on my credit report in XX/XX/2020 I wrote the Company " Southwest Credit Systems '' explaining this was NOT my debt and they have incorrect information. They never responded to my letter, however they continue to illegally and falsely report this debt to my credit report through XXXX  and XXXX. I do not owe Southwest Credit Systems for {$3600.00}. As a result of this false claim it is reflecting horrible on my credit character.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm requesting that the following accounts be blocked from my credit report. The credit reporting agencies will investigate and report back verified, but verified by whom, and supported by what physical documentation. As a consumer I have the right to request this so called vertification. However, I will file a law suit in my next attempt at this if for some reason this is again verified without providing me physical documentation. The following accounts in question are XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX ( XX/XX/XXXX )
Product: Checking or savings account

Two weeks ago, I received a letter from the IRS saying that Citibank had sent them a 1099c for me. I immediately called the IRS and informed them I knew nothing about this. I call Citibank the next day and the customer service person said they can not find any information about a debt I owed.

I went to a branch to get an answer. The bank manager told me that a Citi Plus account was added to my checking account in XXXX. She said the account was no longer on her system and gave me the phone number to reach the recovery dept.

I called and reached someone in the recovery dept. I explained to them what happened to me with the IRS and asked for the following information.

Did you mail, email, or call me about the debt? the response was I can't see any info. Did you sell the debt to a collection agency? Yes, it was given to a collection agency. Did the collection agency contact me? He said he did not know ; he then told me the debt was written off in XXXX, and the account was removed from them. 

I informed the banker that there are rules and regulations when collecting a debt.

First, you have to inform the customer that they owe a debt. Then, you or the collection agency need to inform the customer that collection has started. Finally, the bank or collection agency will report a charge-off on your credit report.

None of the fair credit reporting rules and regulations were followed. I've called Citi Bank 21 times regarding this matter, and I keep on getting the running around. I called each credit bureau to find out if a collection from the bank was on my accounts in XXXX, XXXX, XXXX, XXXX, and XXXX, and they said nothing from Citibank was reported on my account.

I'm presently dealing with CitiBank regarding a scammer who went into my bank account and stole my money. Citibank is turning out to be a menace to society and ripping off consumers left, right, and center. The
Hacker or Scammer changed my address and email, and I asked Citibank 11 times to remove it. They still have it on my account and recently sent a check to the scammer. Citibank needs to be STOPPED. Even the attorney general is going after them.

I was told it went to collection in XXXX and charged off in XXXX The collection agency was XXXX XXXX, who said they no longer represent Citibank. 

I spoke to XXXX and XXXX at the Citibank Executive Office. XXXX XXXX XXXX XXXX Citibank Executive Office Fax number is XXXX XXXX XXXX I need your assistance to help me resolve this injustice.
Product: Student loan

In XX/XX/XXXX I began the re-certification process for my Income Based Repayment Plan. I submitted a re-certification through the department of education website and indicated that my AGI as reflected in my tax returns were not reflective of my income. I did not fill out the form the right way, apparently and it was rejected. I tried to re-fill it out but I received another letter indicating I was not in the period to re-certify so my application was rejected. I subsequently rectified the issue with my original application and on XX/XX/XXXX received a letter from Navient indicating that my IBR request was granted through XX/XX/XXXX and that my payment would be {$190.00} going forward. I began making my payments of {$190.00} in XX/XX/XXXX. ( See email ). In XX/XX/XXXX I received a letter from Navient indicating my payments were scheduled to go up dramatically, to almost {$800.00} per month, despite the fact that I was already in the program and not scheduled to re-certify. 
I was on the phone for an extended period of time with Navient during which time they indicated that because I allowed the IRS to link to the Department of Education my XXXX tax returns showing our joint AGI,  they were changing my payment amount. They have since asked me to again re-submit an application with explanation of my income. This is despite the fact that the letter dated XX/XX/XXXX clearly indicates that the decision to grant the program was based on my representation that, despite the tax return, that I indicated on my application that I was " married with no access to spouse 's income. '' This is the second time in the last year I have been inappropriately removed from the IBR program early. The first time I had to call and I was placed back on. This time, however, Navient has refused and asked for me to re-certify again despite the fact that I have already re-certified through XX/XX/XXXX.
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 a d unprotected.

Furthermore, their d ' pute resolution process was unfair and dec ptive, 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 or other personal consumer reports

I tried couple time to resolve this issue of incorrect personal information that still has not up dated correctly. please see attachment
Product: Mortgage

I am a single XXXX XXXX XXXX XXXX woman and I have been on time with my mortgage payments for almost 5 years. My mortgage is with US Bank. I bought the home on XX/XX/XXXX and had financial debt and filed Chapter XXXX bankruptcy in XXXX. It was finalized in XX/XX/XXXX. I changed jobs in XX/XX/XXXX because my work place was toxic and accepted a XXXX  job with the XXXX of Minnesota in XX/XX/XXXX. I have struggled since that time to continue to make my mortgage payments because the job change resulted in a pretty substantial pay cut. I have reduced my living expenses to the best of my ability and even rented out a room on XXXX before Covid. I recently tried inquiring with US Bank my lender about loan modification due to financial hardship with a goal toward reducing my interest rate and monthly payment given that I am not in default and have equity of more than 20 % in my home. US Bank repeatedly said they had emailed me the application but sent me a link that led to a dead end and said I needed Adobe Reader to download the document. I have XXXX and can prove it. I called repeatedly to talk to someone and asked them to mail me the application and they said they did but they did not. My last call was on Friday XX/XX/XXXX when the woman said that she would have someone named XXXX at US Bank email me by the end of the day. I asked what the email address was so I could look for it, and decided to try to email him myself to ensure it was a good address. Not surprised that it bounced back as invalid and once again US Bank had no intentions of trying to help me. They make more money if they can foreclose and sell it to the highest bidder. But I have rights as a consumer and a homeowner and they are messing with the wrong person because I am not afraid to exercise my rights and file a complaint.
Product: Debt collection

I spoke with legal advisory person and sent to the bureau the issue, the original account was opened more than seven years ago and still showing in my credit report. It was sent a letter to the XXXX credit bureau and requested delete those accounts, unfortunately still showing in credit. Respectfully I request your help. 
Thanks, XXXX.
Product: Checking or savings account

Capital one failed to alert their customers about a server issue which is impacting customers direct deposits from their job! They failed to send out any emails or texts notifying customers of this issue and I had to call hours later only to be told there is an issue with no ETA on this fix and no courtesies for the impacted users.
Product: Checking or savings account

XX/XX/year> my direct deposit has not come through. I'm supposed to have {$1500.00} deposited. They have no estimated time no funds available. It's a holiday weekend. So by the time this is done, it will be another week so it will be 3 weeks of no pay unacceptable. Expect to be compensated for this. Stress. 
Bills need to be paid bank no help