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

I am the XXXX of the XXXX of XXXX XXXX, who died in XXXX of XXXX. Upon notifying Citi Retirement Plan Services of the death and providing them with a Death Certificate they sent me a package of documents to submit in order to obtain an immediate lump sum distribution of the Individual Retirement Account. 
Upon the Court 's issuance of a Decree appointing me XXXX, I fully submitted the package replete with Govt-issued ID, Copy of Utility Bill, W-9, SS5, Original Letter of Administration XXXX and fully completed Beneficiary Authorization Form. Citi NEVER confirmed receipt of the submission and I was forced to make several phone calls to XXXX to obtain confirmation of full receipt of the XXXX package. On or about XX/XX/XXXX, I again phoned Citi Retirement to ascertain why the proceeds were not paid and was told that a letter had been sent to me on XX/XX/XXXX explaining that Citi had changed the name of the entity handling the XXXX process and that I needed to execute a newer form despite the fact that I had executed the entire package that was initially sent to me by Citi. By letter date XX/XX/XXXX, XXXX now informs me that I need to open a " simplified banking account, '' which makes no sense and has sent me a package of the very same firms that I already returned. 
When I phoned Citi today, I was told that there are now two reference numbers, that no one could help me and I needed to await a call from Retirement Plan Services. I have been told to expect such a call before but it never came. I can't get any explanation of why I would need to open a bank account in my own name at Citi in order to obtain a Lump Sum Distribution of the Traditional IRA, and it's all the more absurd because Citi 's " Beneficiary Authorization Form '' specifically because I filled out a Citibank " IRA and Roth IRA Withdrawal and Tax Withholding Election Form for Beneficiaries '' indicating per Citi 's document that " 6. Method of Payment " Mail check ( s ) to the recipient of funds listed in Section 2 above, '' which is in my name and fully completed as the " Legal Representative of Estate. '' Citi is illegally and wrongfully refusing to liquidate the IRA and send the proceeds as was requested according to all forms and requirements set forth by Citi. The Reference # XXXX appears on all pages of the documents sent to me by Citi and returned by me to Citi. You can't speak to anyone to resolve the issue because the telephone customer service rep has no authority to resolve any complaints and states that the policy is for the XXXX XXXX to call you back, which they never do.
Product: Credit reporting or other personal consumer reports

Since XXXX I have not been able to see my credit report or updated score, I have called Experian on multiple occasions spoken to multiple agents and they all tel me to give it XXXX as they have " fixed '' the issue. The last agent I spoke to said it could be my Experian Membership yet I'm not able to see my score nor report on ANY credit reporting site even those I pay for.

The error says 'we can't show you today 's report this might mean we have something different on file than what the lenders have, until this is resolve you won't be able to see your report ' The problem is they don't have an address listed for me which should be a simple fix has become a hassle.
Product: Debt collection

Here is another fraudulent account that has been appearing to my credit report. I have filed FTC for this last month but it seems no one is taking action to get rid of this inaccuracy. Again only your agency EQUIFAX is reporting this inaccurate information that is really making an impact to my credit report. 

Company : XXXX. 
Account # : XXXX
Product: Credit card or prepaid card

In late XXXX I received an invoice from Capital One in the amount of {$590.00}. This invoice was paid by me on XX/XX/2022 by my check XXXX XXXXXXXX. In the same envelope as the remittance, I advised Capital One that I had gotten several email messages, ostensibly from Capital One, which were identified by my computer as potentially malicious. Accordingly, I requested that Capital One cease all electronic communication in favor of traditional XXXX. XXXX XXXX 

On XX/XX/2022 I received XXXX e-mails ( not-withstanding my aforementioned request not to communicate by e-mail ). XXXX e-mail acknowledged the request not to communicate by email and included a customer service number. The second email represented that the payment of {$590.00} had not been received, even though included in the same envelope. I followed up with a call to the customer service number. I went through an initial level, and then a supervisory level call. At the end of the day, I was advised, after several internal checks, my check XXXX XXXXXXXX was not in their system. To avoid a late fee or surcharge I was advised to write a replacement check, which I did on XX/XX/2022 ( XXXX XXXXXXXX ). Her rationale was that, somehow, my check had been overlooked and shredded in the mailing envelope. I advised the Supervisor that I would be very upset if both checks were cashed. She agreed with me. 

Both checks were cashed, most recently # XXXX on XX/XX/2022. 

I have a long history as a lawyer invested in consumer protection. I have served as Chairman of the Board of a local XXXX for a major U.S. city and also served as a Board member of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and chair of the XXXX XXXX. Frankly, I am very suspicious of these circumstances. My intention is to terminate my relationship with Capital One ASAP. 

Meanwhile, I believe that cfpb should use its investigative authority to investigate the " coincidence '' of 'non-payment ' notices to consumers with duplicate payments which then enable Capital One to effectively us the 'float ' of some of their customers to their own advantage. 

I have copies of the documents which will substantiate these allegiations. 

Very truly, XXXX XXXX XXXX
Product: Credit card

I need to escalate an issue I am having with Citi Master Card. Specifically, someone has hacked into and stolen my XXXX points TWICE since XX/XX/XXXX. Citi is about to issue my SIXTH card since XX/XX/XXXX ( now XX/XX/XXXX ). During that time I've had to change my username, passwords, email address, etc. I have spoken with AT LEAST 30 people from Citi, ranging from Customer Service to Fraud Services to Tech Services ( for online access reinstatement ) and of course the XXXX  rewards people. Citi has this maddening reinstatement process that involves mailing a reference number that has to be used when calling in to reinstate the account. Of course, Citi never mentions these letters, but essentially they are mailed every time contact is made with the fraud department. If I attempt to call in to reinstate the account and do not have THE LATEST reference number, they send another one. It is one massive, maddening circular. And apparently, it's easy to hack into the XXXX  Rewards account. In each case, approximately XXXX points were stolen, the first time to buy XXXX XXXX cards and apparently yesterday they were used to buy XXXX gift cards. I would like to escalate this to someone in Citi Mastercard 's executive offce. Can anyone help?
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA,15 U.S.C. Section 1692g ( a ), mandates in no uncertain terms thst a debtor has 30 days to dispute the validity of the debt.If the creditor can not provide sufficient evidence that the debtor was given adequate notice, the debtor must be given another 30 day debt validation period, and the creditor must provide evidence the debtor is liable for the accounts in question. 


XXXX XXXX XXXX  {$710.00}
Product: Mortgage

In 2009 XXXX XXXX for imposed forclosur on my house, They deneighed me the HAMP program saying I did not qualify. They sent letters of a offer of a loan at a unmanageable amount and proceeded to for close. I made check by phone the last whole year and a half. They would post payment up to XXXX months time and immediately hit my credit .Six months ago I pulled my report and it showed only XXXX XXXX day and XXXX XXXX day on both XXXX XXXX and XXXX. I filled a complaint to show loan was paid and on time. They XXXX XXXX Responded by adding XXXX - 90 day latest to my credit .I feel taking my house wrongfully is not enough ( XXXX XXXX ) of a hardship but they have to add the Credit Insult to financial InjuryInjury .XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Kia Finance concerning their reporting practices on my credit report. The issue revolves around an item reported under the account number XXXX. Despite multiple attempts to address this matter directly with Kia Finance, I have encountered persistent issues with their response and investigation process. 

Upon my initial dispute with Kia Finance, I received a response dated XX/XX/2023, indicating that they had conducted an investigation. However, the letter was addressed to " XXXX XXXX, '' which is an incorrect spelling of my name. Subsequently, I provided another dispute to Kia Finance, and their response dated XX/XX/2023, was once again addressed incorrectly to " XXXX XXXX. '' This repeated error in addressing my name raises concerns about the thoroughness of their investigation and the accuracy of their record-keeping. 

Furthermore, Kia Finance stated that I had not provided sufficient information for them to commence an investigation. However, I firmly believe that the information I provided was comprehensive and adequate for Kia Finance to conduct a thorough investigation into the matter. Despite this, it appears that they have not undertaken a proper review of the dispute.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$650.00}
Product: Student loan

On XX/XX/23 at approximately XXXX XXXX I tried calling Nelnet XXXX my student loan service provider. After going through the menu, I was told by the automated voice that my hold time would be XXXX minutes! 

On Nelnet 's Contact page is the following language : " We're currently experiencing unprecedented call volumes, which is leading to long hold times. We apologize for the inconvenience. '' And on their email page they say : " We are experiencing unprecedented email volume at this time, which is leading to longer-than-usual response times. '' I have important and time sensitive questions about my student loans. I called the XXXX phone number first ( they answered within a few minutes ), but they referred me to my loan provider for certain questions. 

No consumer should be expected to wait over an hour on hold to have questions answered. Student loan borrowers have no choice in their service providers. We are stuck. Nelnet is clearly unprepared and/or unable to properly serve it's customers. 

Nelnet might address this problem by : 1. Hiring more customer service representatives. They need to double, triple, or quadruple their staff. 
2. At the very least, institute a " call back '' option whereby a Nelnet representative calls the customer when the next agent is available. Again, no one should have to wait on hold for over an hour. 

I suggest that the appropriate government agencies/authorities investigate Nelnet 's ability to properly serve student loan borrowers. If they don't improve their customer service capability, they should not be in the student loan servicing business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX and XXXX and was in the process of purchasing a home when I was informed by my creditor that there were collection items reporting on my credit report. This was a complete shock to me because I haven't used my credit other than to finance my car. When I reviewed the credit report that was given to me from the bank and saw a ton of information reporting on my credit report that had nothing to do with me, I immediately contact XXXX, XXXX, and Experian to inform them that they were reporting inaccurate information on my credit report that needed to be removed. All 3 of the credit bureaus have responded partially by removing some of the inaccurate things they were reporting. I have been consistently submitting my request to have these inaccurate collection items removed from my credit report and since XX/XX/XXXX, they all have ceased to provide me further assistance and investigative proof substantiating their lawful reason to refuse the removal of the remaining inaccuracies. I started contacting the 3 credit  bureaus in XX/XX/XXXX and have followed up on all their correspondence regarding this issue. XXXX and Experian have responded by removing all but 2 of the inaccurate collection reportings and XXXX still inaccurately reports 4. All 3 bureaus continue to report XXXX XXXX as not paid in full when it was paid in full by refinancing thru XXXX XXXX in XX/XX/XXXX. So my credit report reflects that I have 2 outstanding auto loans when I only have the one with XXXX. These inaccuracies are interfering with my ability to purchase my home and violate my rights under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is neither being made in error, nor is my request to block the information being made on material basis of misrepresentation of facts by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

XXXX XXXX ( ORIGINAL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) : ACCOUNT NUMBER : XXXX. 
XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX A ) ACCOUNT NUMBER : XXXX. 
XXXX XXXX : ACCOUNT NUMBER XXXX. 
XXXX XXXX : ACCOUNT NUMBER : XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint regarding the Fraudulent information reporting on my Credit Reports. The last letter I sent to the Credit Reporting Agencies was XX/XX/XXXX with complete attachments of my Personal information. I am a victim of Identity Theft and I have reported the theft of my identity to the FTC. The items I am disputing do not relate to any transaction that I have made or authorized neither did I received any benefits as a result of the identity theft. Per FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information listed on an ID Theft Report. 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 the identity theft, not later than 4 business days after the date of receipt. The items listed below are the results of the Identity Theft, therefore I am requesting the Credit Bureaus to comply with the law and remove these from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear CFPB, I am writing to formally submit a complaint regarding inaccurate information reported by XXXX on my credit report. The inaccuracies in question are reflected in the following account ( s ) on the respective date ( s ) : INACCURATE INFORMATION DATE : XX/XX/XXXX INACCURATE INFORMATION DATE : XX/XX/XXXX INACCURATE INFORMATION DATE : XX/XX/XXXX INACCURATE INFORMATION DATE : XX/XX/XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ), it is my understanding that consumer reporting agencies are required to conduct a reasonable investigation of disputed information. The inaccurate information reported by XXXX adversely impacts my creditworthiness, and I believe this is a violation of the aforementioned statute. 
Furthermore, I request that XXXX provide documentation that demonstrates the accuracy of the information reported on my credit file. This should include any supporting evidence or statements that verify the validity of the information in question, as mandated by 15 USC 1681s-2 ( a ) ( 1 ) ( A ). 
Under the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide the requested documentation. If you are unable to verify the accuracy of the information within this timeframe, I request that these inaccuracies be removed from my credit report and that my file be updated accordingly with all relevant consumer reporting agencies, including but not limited to XXXX, Experian, and XXXX. 
Please ensure that any corrections or updates made to my credit file are communicated to me at the address listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my credit standing. 
Thank you for your time and consideration. I look forward to a positive resolution. 
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dated XX/XX/2020 and XX/XX/2020, I requested " a description of the procedure used to determine the accuracy and completeness .... '' FCRA 611 ( a ) ( 7 ), which is used for such a request, states : " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. '' The bureau, in conjunction with the consumer reporting agency, failed to deliver requested information in a timely manner as detailed in several laws.
Product: Checking or savings account

I filed a complaint before this one and my problem was not resolved. I was WRONGLY charged XXXX fees of {$35.00}, and my account was covered the same day, but there is no reason for this absurd charge. Only XXXX fee was withdrawn and I CAN NOT agree with that because as I said, my account was not negative. This bank is not clear in its information and I feel deceived by that. I want my {$70.00} back, which is rightfully mine. If you Wells Fargo are not capable of providing a decent website that gives clear information, you should review your information because you are harming thousands of customers who work hard to pay their bills. I feel TOTALLY wronged!!
Product: Debt collection

Midland funding is reporting a collection for an account that has never been validated, has been paid off AND, has re-aged the account to do harm to me, AND is over the FCRA reporting time. This single account violates several laws including but not limited to FCRA XXXX U.S.C. 1681c, US Court of Appeals, XXXX Circuit, No. XXXX, XXXX vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX, and FDCPA Section 806. The account was for XXXX XXXX XXXX XXXX / XXXX. I paid XXXX off many years ago. I contacted Midland and let them know this. They ignored it. They made no attempt to validate this. Instead they show on the report that they opened a collection XX/XX/XXXX and that it was last active XX/XX/XXXX. That is false.
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like to this item re-investigated. The inaccuracies are highly injuries to my credit score. 
XXXX XXXX XXXX ( Account Number : XXXX ). 
In accordance with The Fair Reporting Act, Public Law 91-506, Title IV, Section 611, please provide the names and business addresses of each individual with whom you verified above. So I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Debt collection

I received an Unknown / Blocked phone call today. It had no number and I let it go to voicemail. I listened to the voicemail stating that I was being served papers for something, that i had to be at my house or work between XXXX tomorrow. If I had immediate questions contact the Weiss Law Offices. 

I called and the person on the other line could not validate my information. They started yelling at me saying that they will take everything I own, including my children. Not once, did they even state that they were a debt collector, which should have been stated from the voicemail to the phone call.
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account WELLS FARGO BANK AUT which has been deleted by XXXX and XXXX. XXXX   and XXXX have both completed their research and determined that WELLS FARGO BANK AUT was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Equifax both incorrectly reported that my SYNC account had an increase on my balance which it did not and has actually had TWO payments in the month of XXXX and XXXX. This incorrect reporting caused my credit score to go down!
Product: Credit reporting, credit repair services, or other personal consumer reports

we contacted the XXXX XXXX XXXX in regards to the balance we paid off last year and they still haven't reported the paid off on the account.
Product: Debt collection

i check my credit report and notice a negative from PHOENIX FINANCIAL SERVICE ON XX/XX/2020 for a alleged debt of XXXX that i do not owe, I sent a letter on XX/XX/2020 to them asking for information concerning the validity of the entire debt from XXXX XXXX XXXX XXXX. I left a copy of the letter below for viewing.