23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX Citibank responded to a dispute I filed for a {$2000.00} charge from XXXX XXXX to my Mastercard, temporarily crediting the charge off my credit card. XX/XX/XXXX Citibank informed me that they had charged the {$2000.00} back on my Mastercard, due to the merchant sending them copies of everything I signed, but not justifying why XXXX XXXX XXXX refused to refund anything. XX/XX/XXXX I responded by certified mail to Citibank, stating that they had no justification for the chargeback to my Mastercard, as the merchant had not responded with any justification why he was offering no refund. XX/XX/XXXX, I wrote back again by certified mail to Citibank advising them I was going to turn this matter over to federal authorities if they did not refund the {$2000.00} which I was justified to receive and that I had supplied them with copies of all my emails between me and XXXX XXXX, showing that Mr.XXXX XXXX was not trying to work with me. XX/XX/XXXX I wrote by certified mail to XXXX XXXX CEO Citibank asking him for help with the {$2000.00} dispute and another dispute for {$260.00} with XXXX and never received any response. 
I also had multiple phone conversations with Citibank disputes agents on XX/XX/XXXX, XX/XX/XXXX, etc. The last phone conversation I had with XXXX ID # XXXX. He told me on XX/XX/XXXX, that he was trying to work with the merchant to get the dispute resolved, but that the merchant was not cooperating. He also told me on XX/XX/XXXX, that the investigation team had been working on my dispute since XX/XX/XXXX and that the dispute will be settled by settled within 7-10 days. It is past that date and I am tired of being given the run around by Citibank. I want the {$2000.00} and the {$260.00} back, plus all interest charged, plus punitive damages for the dishonest way Citibank has conducted themselves. I have hard copies of EVERYTHING I have spoke of here, so I can prove everything I have said.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

THIS ACCOUNT IS INVOLVED IN LITIGATION. I HAVE NOT BEEN SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE. ENGELHARDT v GRAVENS (mo) 281 SW 715,719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THERFORE EXISTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX I have some unknown addresses and several misspellings of my name that need to be removed at once. The following names are not mine please delete them : XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, PLEASE DELETE THE UNKNOWN SS XXXX. I have been dealing with this issue for a while and I need is to be resolved asap!
Product: Credit reporting or other personal consumer reports

The detrimental impact of the derogatory rating on my credit report has created a cascade of financial hardships that continue to worsen with each passing day. Most notably, my recent loan application was denied, and my existing credit accounts have been hit with increased interest rates, creating additional financial strain during an already challenging time. This situation has not only affected my immediate financial stability but has also generated significant emotional distress as I watch my carefully built credit standing deteriorate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted application for a car loan in XX/XX/2017, and now I have like 20 inquiries. This is largely impacting my ability to obtain ANY credit. I did apply for credit and I do understand one inquiry, but please remove all these inquiries. I am trying to get a home loan and this is hindering me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX, Virginia XXXX6 Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed.My contact information is as follows : Name : XXXX XXXX SS # : XXXX Address : XXXX XXXX XXXX XXXX, Virginia XXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report 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

Dear Sir/Madam, I trust this letter finds you in good health. I am writing to request a modification to my address information in my credit report. My name is XXXX XXXX XXXX, and my birthdate is 1998. I currently reside at XXXX XXXX XXXX XXXX XXXX, AL, XXXX. 

I have recently relocated and kindly ask for your assistance in updating my address information as follows : New Address : XXXX XXXX XXXX XXXX, Alabama XXXX I understand the critical importance of accurate data on my credit report, and I am committed to ensuring the correctness of my personal information. I kindly request the removal of all my previous addresses, which were as follows : XXXX XXXX XXXX XXXX XXXX, AL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL, XXXX I kindly ask that you update my credit report with the new address mentioned above. If any further documentation or verification is required, I am ready to provide it. Kindly confirm the completion of this update by sending a written confirmation to my email address at XXXX or by contacting me at XXXX. 

Your dedication to maintaining accurate consumer information is greatly appreciated. Thank you for your prompt attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

XX/XX/year> A loan by XXXXXXXX XXXX XXXX XXXXXXXX that I did not authorize or consent to is on the XXXX, XXXX, and EXPERIAN credit reports, the current reported amount is {$20000.00}. I contacted XXXXXXXX XXXX XXXXXXXX XXXX representative and they informed that they do not report to Credit bureaus. I did not consent to reporting A loan by XXXXXXXX XXXX XXXX XXXX the credit reports.
Product: Debt collection

I am an attorney for a workers compensation recipient. He has three outstanding medical bills which should be covered by the workers compensation carrier. My client and I have tried repeatedly to get information on the debt in writing. The company refuses to send this information. My client allegedly owes three medical bills : {$1900.00}, {$1800.00}, and {$2400.00}. 

I contacted them on XX/XX/XXXX ; XXXX ; XX/XX/XXXX ; XX/XX/XXXX. My client contacted them multiple times as well.
Product: Student loan

I was checking my credit and this account has errors that affect my credit score and it does not allow me to process with this problem
Product: Debt collection

I lived in an apartment complex in XXXX and XXXX I was told I was removed from the lease. In XXXX I applied for an apartment and they told me I was denied due to an outstanding balance owed to my old property. I had no knowledge of this debt owed, and when I called the new owners of XXXXXXXX XXXX XXXX XXXX they informed me they had no information and I needed to call the previous owners. When I called the previous owners they let me know they no longer owned the debt the new company did. I went back and forth for days about what I needed to do. Finally 2 weeks later I received a letter from National Credit Systems letting me know I owed a debt and they needed more information from me. Working in the XXXX XXXX I know we are required to show prior notice before we send things to collections and that collections is supposed to reach out to us. I did not hear anything until I reached out to them. They refuse to discuss the debt with me until I give them my social, phone, address, dob, full name. I do know these tactics and I will not give them all my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've reached out to the credit bureaus to dispute an account listed as "  XXXX  '', and currently collecting under   XXXX   XXXX   XXXX  , that I am unfamiliar with and have disputed this account since it is not mine and have been unsuccessful. I have no knowledge of this particular account.
Product: Credit reporting or other personal consumer reports

I was shocked this morning to find inaccurate accounts listed on my credit report, and I have no explanation for why theyre there. I routinely check my credit report, but this time I was blindsided by these discrepancies. I even tried refreshing my browser, hoping it was just a mistake, but the inaccuracies persisted. This has caused me significant stress, and I am requesting that the documents Ive provided be meticulously reviewed so that I can finally have peace of mind.
Product: Mortgage

I have an Ocwen shared appreciation mortgage! I received a XXXX from them in 2014 for the discharged debt with code I ( IRS code for other actual discharge prior to an identifiable event ). I have a sales contract on my residence where I was led to believe that I owe them 25 % of the appreciated value over the principle reduction! When requesting the payoff they have not adjusted the waived balance and are telling me that it is not discharged and is being added back to my loan balance and is being included 100 % in my payoff to them! They also made me send the sales agreement and pay for an appraisal so they could determine my adjusted payoff! Now they say that I had a default and I now owe them the entire balance even though they reported it to me and the IRS as forgiven debt! This is deceptive and fraudulent business practice and I am disputing my payoff! My house is scheduled to close next week!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureau about hard credit inquiries indicating that I applied for credit within the past three months. These credit inquiries were hard credit inquiries that affect my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX XXXX credit card partner Barclays cancelled a transaction from my account for no reason with no proper information and warning. This resulted in my flighty reservation cancellation and are asking XXXX extra to honor the same itinerary. XXXX XXXX and Barclays, both have records of the transaction. This appears to me a scam from both companies to get around clients, avoid honoring benefits that come from using an XXXX issued credit card such as bonus miles, bag fee waves and preferred boarding. All items that they falsely advertise.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2013 while traveling at the XXXX XXXX XXXX XXXX my luggage and my purse were stolen from the airport. My purse contained my personal information and documents such as my driver license, social security card, bank cards, cell phone, and credit cards inside. The police were contacted at that time. I am now discovering fraudulent accounts on my credit report that were not opened by me.
Product: Credit reporting or other personal consumer reports

Equifax has failed to conduct an investigation into the information being furnished on my consumer report. All of the accounts furnished on my consumer report shall be excluded from my consumer report because they contain information solely as to transactions between me, the consumer and the person making the report. That information must be removed from my consumer report as it should have been excluded from the beginning if Equifax complied with the FCRA. 

Equifax also is reporting inaccurate information on my consumer report and I am a victim of identity theft as my privacy was breached from the Equifax data breach. 


I disputed the accounts and Equifax failed to give notice of the dispute, and claimed that the information was verified without verifiable proof, and without showing their method of verification
Product: Credit reporting or other personal consumer reports

Hello CFPB, I'm submitting a complaint on the credit reporting bureaus XXXX, XXXX, and Experian on my consumer reports. I requested a verification and removal of a XXXX XXXX XXXX from the consumer report, Verification of Creditor accounts XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX, due to Charge offs, Late payments, Evictions 15 USC 1681a 2. Under the Fair Credit Reporting Act, a consumer reporting agency must provide accurate information. I requested that the bankruptcy be verified, since its showing on my credit report/consumer report. They came back saying it was verified on XX/XX/23. How could they have verified a bankruptcy? Who did they contact in the court to verify the information? I am also aware of my rights under the Fair Debt Collection Practices Act, specifically 15 USC 1692c, which prohibits debt collectors from communicating with third parties regarding my debt. As such, any continued reporting of my bankruptcy is in violation of federal law. A charge off on my consumer report is a violation of my consumer rights. A late payment 15 usc 1681a is a transaction and should not have been added to my consumer report/ credit report.

I've requested by phone that my name and address information be updated and all information not current be removed. It's still showing on my reports. 

I've requested all inquiries be removed off credit report Will you please check into this and have this bankruptcy removed and all transactions removed from my consumer reports/ credit report.
Product: Credit reporting or other personal consumer reports

My SSN was stolen by identity thief in 2023 XXXX while I was traveling outside of US. I only have one bank account in XXXX bank, They use my SSN to open 2 credit card account in XXXX bank and Capital one bank. They log in to my online XXXX  bank account and try to wire {$12000.00} out. I report the status to XXXX bank and they decline all the unauthorized transaction, the bank show me the document that someone change my default address and phone number. So far XXXX bank did well to protect my money. 

In XX/XX/year> I receive the Bank statement from XXXX bank and capital one bank. I went to the bank conform that these are not my account. So I request the bank to freeze these account and close them. The XXXX still have the balance of {$710.00} and Capital one has {$660.00}. The address for these two bank account and the transactions on the statement are closed to my home address. After investigation of the bank fraud protection group, They said I am responsible for this account, I have to pay the balance of XXXX + {$710.00}. I don't know how to prove I am a victim of identity theft, Police can't file the case because I couldn't get the affidavit letter from bank.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and have noticed fraudulent accounts on my report. Please remove these accounts immediately, they are hurting my ability to obtain credit.
Product: Credit card

I was contacted about being late on my payments for a capital one secured card. This was on XX/XX/XXXX. I spoke with a representative whose name I can not remember but her id number was XXXX about making a payment. I asked her how much I owed on the account. She informed me the account had an outstanding balance of {$240.00}. She told me the minimum payment was {$150.00}. I was intending on using the account again so I told her i would be happy to make a payment of {$240.00} thereby leaving {$10.00} revolving on the account. She told me that would be a good thing to do if I intended on using the account once more. So I made the payment over the phone with her for that amount. I asked her if i could get a new card for the account as the last one was rather beat up. She told me I would need to wait a day and call back to request a card. I told her that would be fine and I would call the following day and request a new card. She ended the phone call and I decided to try to request a new card via the capital one app. When I finally was able to gain access, my credit account had been closed since XX/XX/XXXX. To make matters worse while my payment due date was the XXXX, the bill cycled ( I am not even totally sure what that means ) on the XXXX, the same day she called me to make a payment. I asked specifically, if upon payment my account would be in good standing and usable, she assured me that yes it would all be good once payment was received. Instead with my bill cycling that day, a {$40.00} dollar late payment fee was tacked on after my large sum payment. Then interest at a XXXX APR bringing my balance to ~ {$56.00} or so I was told to close out the account. If I had known even for second that the account was already closed I would have paid the extra {$10.00} right then with the first phone call and avoided the additional {$40.00} late fee and interest. Credit card companies are not supposed to be able to charge that much for late fees as it is, yet she lied to me to keep a balance so I would be charged fees. I do not take kindly to being lied to, and I hate being charged exorbitant amounts for fees I could have avoided even more. The representative knew well that by not paying off the card additional fees would accrue that same day. She never offered to have me pay off the total amount to avoid it, not that even my account had been closed for months and there was no way to possibly get a new card for the account.
Product: Mortgage

Us Bank - Is extremely ineffecient in covid19 mortgage modification/ forebearance plan servicing. In XXXX of XXXX I believe I was forced to pay instead of us bank having fair forebearance options. This caused a increased hardship rather than true payment workout plans. As a result Of COVID-19 I applied for a mortgage for forbearance month by month. Multiple times I contacted U.S. Bank to continue the relationship and in efforts to prevent default an excess of hardship. US Bank continue to not provide upfront information and allow consumers to make decisions including being denied to streamline process multiple times. When I knew I could afford my home and make payments. But US Bank instead made me do a complete request for mortgage assistance multiple times and as of this day of XX/XX/XXXX US Bank multiple times sent paperwork to the wrong address and then canceled the forbearance plan and multiple times and said that they will resolve the issue and they still have not. I have made a good attempt to make payments to US Bank for my home in US Bank home mortgage will not except my monies. This is causing an undue stressful hardship including Internet ability to really be a responsible borrower. Putting undue stress and hardship on me. I have had to constantly reach out to US Bank by phone and spent hours on the phone hours not minutes hoursI 've gotten a different answer each time and not a consistent answer I hope all my phone calls are recorded and can be reviewedAs of this date I had signed paperwork that was sent to me XX/XX/XXXX and Sent on time to US Bank with an acceptance by US Bank in Kentucky on XX/XX/XXXX The papers were received and then on XX/XX/XXXX they revoked or canceled the modification. As a result they had stated clearly by phone because I did not make my XXXX XXXX and XXXX payment. I was unable to make XXXX XXXX and XXXXXXXX XXXX payment because US Bank could not get the paperwork sent to the correct mailing address. They continue to send it to the home address knowing by multiple phone calls that I was not home due to working at a different location and needed to provide a mailing address. At this time US Bank is still not modified or completed the service in process will not except my monies. and it's causing me to be a extremely stressed borrower. I believe that my streamlined process was completely mishandled. I believe that I was provided in accurate access to affordable housing having an FHA loan and I believe that US banks and tents or not to provide a streamlined process. It's apparent that either they're just making it up on the fly and agents are just answering things just because but I am filingA complaint because I believe that my home will be put in the foreclosure for unnecessary reasons
Product: Checking or savings account

I regularly deposit a {$1400.00} check into my Santander checking account every month. The check has never been denied, the account has no overdraft, and there is no reason to suspect there will be any issue with it. In recent months, Santander has begun waiting a long time to make the funds available. Sometimes eight or nine business days. I have contacted them to ask for a reason for these deposits to be held, and they have not been able to give me one and Ive only said it is our policy. most recently, I deposited for {$1400.00} on XX/XX/XXXX, and the check was paid by the issuing bank XXXX XXXX  XXXX XXXX ) on XX/XX/XXXX, and I am being told that the funds will not be released until the XXXX, and there is no reason given for this. Like I said, this is a regular monthly check that I deposit in this account and have done so for three years. Also, I have not had any overdraft fees on this account in years ( I may have had one or two during XXXX  ) this has happened to me three or four times with exactly the same amount of check, drawn on exactly the same XXXX  XXXX XXXX account, in the past year. From what I understand, this bank is not legally able to hold funds. Without a specific reason, they must provide that specific reason, and if the issue and bank has already paid the check, they may not hold those funds away from me.