23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I wish to file a formal complaint against CITIBANK for the way they handled closing both my XXXX and XXXX credit card accounts. I have had these accounts for almost a year, have handled these accounts responsibily, paid them on time, in full and have never been late. Citibank claimed someone tried hacking into both accounts online and jepordized the security of the accounts. An operator claimed they wanted to close the XXXX account for " security reasons '' and reopen it with a new number, which I hesitatly agreed to. I had requested both accounts credit limits be raised as I was a loyal customer, which Citibank had done to XXXX. The week following the credit limit increase, I had applied for and were given XXXX new accounts with Citibank, XXXX XXXX, another with XXXX and still another with XXXX, all branded credit cards Citibank sponsors. The morning of Monday, XXXX XXXX, I receive XXXX disturbing phone calls from Citibank security. They claimed to have express " concern '' over so many accounts being opened over such a short time. I explained to them that I had applied to these companies as a " buffer '' measure to help me avoid being left out in the road as I had planned to travel this summer as I have a XXXX person in my family and can not afford to be left out in the " cold '' so to speak. They agreed and hung up the phone. The very next day, I received notification that I was now placed as a " risk '' to Citibank as they claimed I had too many inquiries on my credit report to their liking and they subsequently closed all XXXX credit accounts with their company. I object to the way they handled these accounts, assuming that I am now a " credit risk '' to them simply because I have applied for more than XXXX account in such a short time. As stated, I have been a loyal responsible customer of theirs for almost a year and had NO PROBLEM up until now. Please consider this a formal complaint against Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Fair Collection & Out for : XXXXXXXX XXXX Amount : {$160.00} I called the debt collector and explained to them that the debt is invalid since the original claimant said that I didn't have to pay anything. That was on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I am writing to dispute late payment information that is appearing on my credit report. I believe this information to be inaccurate, and I am requesting an investigation under the provisions of the Fair Credit Reporting Act ( FCRA ). 
According to my records, the following late payments appearing on my credit report are incorrect : Creditor Name : XXXX  XXXX Alleged Late Payment Date ( s ) : XX/XX/year> Creditor Name : XXXX XXXX XXXX XXXX Alleged Late Payment Date ( s ) : XX/XX/year>, XXXX As per the FCRA, I am entitled to dispute incomplete or inaccurate information on my credit report ( 15 U.S.C. 1666b ). I request that you conduct a thorough investigation into these late payments to verify their accuracy. If these late payments can not be verified, they should be promptly removed from my credit report as stipulated by the FCRA ( 15 U.S.C. 1666b. 

In accordance to the fair credit act this creditor has validated my rights under 15 USC 1666b. It states the consumer reporting agency can not furnish any account without my written consent. A creditor may not treat a payment under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 



. Please remove and delete the above accounts in this statement.
Product: Mortgage

We received notification that Newrez had paid a tax bill in the amount of {$7700.00} in XXXX of XXXX. Since this was significantly more that our previous bills, we investigated and found that there had been an error. We contacted the XXXX XXXX XXXX XXXX XXXX and proceeded to correct the tax bill error. 

An annual escrow analysis performed by Newrez, LLC in early XX/XX/year> projected an mortgage payment which is TWICE the amount we had been paying. We realized that payment of an erroneous tax bill ( as well as an increase in property insurance premium ) had caused an anticipated escrow shortage of {$11000.00}. 

After correcting the error with XXXX XXXX, we sent an escrow payment of {$7000.00} to Newrez, which the company received on XX/XX/XXXX. On XX/XX/XXXX, I contacted Newrez and spoke with XXXX, who assured me that she would request a new analysis based on the escrow payment made in order to substantially reduce the projected escrow deficit. 

I called again on XX/XX/XXXX ( XXXX ) and XXXX, when I spoke to XXXX. She mentioned the process should include updated tax information and that the new analysis should be completed by XX/XX/XXXX. A letter dateed XX/XX/year> was received from Newrez acknowledging our request. I called again to check the status on XXXX XXXX at which time I was told by XXXX that XXXX had never made the request for a new analysis. XXXX assured me that she would escalate my request to a supervisor, who would call me in XXXX business days from XXXX XXXX. To this date, no such call has been received. Also, on XXXX XXXX, 2024, I sent documentation from XXXX XXXX XXXX regarding the erroneous tax bill. 

On XX/XX/XXXX, I made a mortgage payment of {$800.00} ( assuming a legitimate increase based on increase in property insurance premium ). Today ( XXXX XXXX ) XXXX XXXX called to request additional payment of {$680.00}. When I asked about the new escrow analysis, I was told it was still not complete and would not reduce our mortgage payment for this month. My husband and I are in our XXXX on fixed income ; my husband is also a XXXX veteran. We can not afford to pay twice the current amount for our mortgage!
Product: Vehicle loan or lease

To Whom It May Concern, On XX/XX/2021, an automatic scheduled payment to Volkswagen Credit XXXX. was debited from my bank account. I didn't realize another unauthorized charge had already occurred, rendering my account {$40.00} short of the full VW Credit lease payment amount for that month. Though I made the deposit in time, the automatic payment was ultimately returned on XX/XX/2021. 

On XX/XX/2021 I logged onto my VW Credit account and scheduled a one-time payment to satisfy my XXXX payment, which finally cleared my bank account on XX/XX/2021. After observing the debit from my bank account, I thought everything had been taken care of and didn't feel it was necessary to contact VW Credit. 

On XX/XX/2021 I received an alert from my bank that another attempt was being made to debit my monthly lease payment for XXXX by Volkswagen Credit. Since the payment was already satisfied on XX/XX/XXXX, this additional ACH authorization put my bank account at a pending negative balance. I immediately contacted the customer service line for VW Credit XXXX and was told by their support specialist that they couldn't stop this additional ACH authorization, even though my XXXX payment was already satisfied. 

I then asked to speak to a manager who informed me that their hands were indeed tied and I'd have to contact my bank to place a stop payment. I even uploaded an official letter addressed to VW Credit, stating that I was revoking authorization for an ACH debit from my account. The manager at VW Credit again stated that even though they could see that my XXXX payment had been satisfied, they were without the ability to do anything about this transaction and couldn't guarantee that this automatic payment wouldn't be attempted a XXXX time at a future date. 

Since neither the specialist nor manager from VW Credit could assist me, I asked to have the contact information for their executive office, so that I may file an official complaint. The manager refused to provide this information to me, stating that they would provide their corporate office with my information and that I would be contacted within XXXX to XXXX business hours. So, in the meantime, though I did my best to ensure my XXXX payment was provided to VW Credit, I'm now left without any available funds in my bank account, due to their inability to cancel a pending automatic payment.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX XXXX against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I marked inaccurate XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting

All XXXX credit reporting companies, experian, XXXX, XXXX ALL created a new credit history file for me when I changed my name. My SSN remained the same. I am a XXXX woman and I was having trouble getting credit after my transition. When I looked into it I found that all of the credit reporting companies had XXXX files for me. XXXX under my old name and XXXX under my current legal name. I am still in the process of getting this corrected, which means having them merge the XXXX files. They had instructed me to ask all of my old CC and bank loan companies to re-report the information with my corrected name. The ones that would, did but, it STILL did n't show up on my credit report. The merging of the XXXX files for each credit reporting company is where I am now. It has been a HUGE time consuming process. Many days worth of time spent on the phone to correct this issue which NEVER should have happened XXXX. XXXX they should have just started reporting my new name and new credit cards as part of my existing record based on my social security number. If I had an issue with it, XXXX. if someone else had this happen they would see it on their credit report and dispute it. So, why is n't this the default? Being a XXXX person in this society is hard enough. Why do we have to start our credit history all over when we are just trying to live as ourselves. I do n't think most XXXX people would go through the long wait times on the phone and the getting run around ... when they have XXXX records that should just get merged. If I had n't had credit monitoring from before my name change and after I do n't think I would have noticed what was going on ... well not as fast. ALSO, regardless if someone is a XXXX. If someone starts using another person 's SSN with whatever name they want, they can build a credit history. So, this is making it easy for someone to create a fake identity / life. 
Please see about getting the credit reporting companies policy changed with regards to SSN and names. 
Thank you. 
A XXXX year old XXXX woman with 12 years credit history from when I was a XXXX and 2 years as a XXXX. Once my files are merged I will finally all 14 years of credit history that I deserve.
Product: Credit card

My name is XXXX XXXX AND I AM FILIND A COMPLAINT AGAINST AMERICAN EXPRESS CREDIT CARD. I HAVE NEVER APPLIED FOR ONE I WAS GIVEN A CARD BY MY EMPLOYER AND WHEN THE BUSINESS CLOSED I WAS STUCK WITH THE DEBT OF THE CORPORATION. I AM NOT AN OFFICER OR PART OF THE CORPORATION, I WAS ONLY AN EMPLOYEE. I HAVE DISPUTED THE ACCOUNT WITH AMERICAN EXPRESS OVER FIVE MONTHS BACK AND FORTH ASKING THEM TO VERIFY THAT I HAVE SIGNED ANYTHING THAT MAKES ME LIABLE FOR THIS DEBT. 
THEY HAVE FILED A CIVIL LAWSUIT AGAINST ME AND HAVE PUT A LEVY ON MY ACCOUNT. THEY HAVE BEEN WITHDRAWING MY MONEY WHEN THEY SENT A LETTER INDICATING THAT THEY HAVE NO SIGNATURE ON FILE FOR THE ACCOUNT THAT WAS OPENED UNDER MY SOCIAL. IT IS A VIOLATION OF CREDIT REPORTING LAWS. HOW CAN I BE BINDING TO A DEBT WHEN THEY HAVE NOTHING BEARING MY SIGNATURE. I AM DEMANDING THIS LAWSUIT BE REMOVED FROM MY NAME AND MY ACCOUNT TO BE CREDITED BACK THE $ XXXX THAT WAS TAKEN FROM MY ACCOUNT RETURNED BACK TO ME IN FULL. BASED ON FDCPA Section 807 ( 8 ) AMERICAN EXPRESS FAILED TO COMPLY. NOT ONLY DID THEY SEND A LETTER INDICATING THAT THEY WILL DELETE THE ACCOUNT OFF MY CREDIT BUT THEY CLAIMED THEY HAD NO SIGNATURE ON FILE FOR THE ACCOUNT YET I AM LIABLE FOR THE DEBT THAT IS ALL WRONG AND COMPLETE VIOLATION OF FEDERAL LAW FAIR DEBT COLLECTION PRACTICES ACT AND FAIR CREDIT REPORTING ACT WHICH ENTITLES ME TO DAMAGES OF {$5000.00}. THIS LAWSUIT NEEDS TO BE RETRACTED AND THE ACCOUNT CLEARED COMPLETELY FROM MY NAME WITH FUNDS RETURNED BACK TO ME AND THE LEVY REMOVED OFF MY ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputing the amount. Refuse to provide adequate information, XXXX Account {$4400.00}
Product: Debt collection

I was involved in an on the job vehicle crash XX/XX/2021 in XXXX XXXX, Florida. The vehicle was registered to the employer XXXX XXXX  XXXX XXXX covered by XXXX XXXX XXXX company commercial policy. I resisted being transported by XXXX XXXX XXXX but was all but forced into submitting with the assuring me that they had all the liability covered when they took possession of proof of coverage from the vehicleXXXX XXXX finally paid the claim in full on XX/XX/2021. On XX/XX/2021 CMRE Financial, a California based collection agency reported the account as unpaid to XXXX which in turn reported to XXXX. I have a perfect payment record with all of my legitimate accounts and took a severe hit to my XXXX score. Everyone involved has been notified and repeated disputes have been filed after XXXX and CMRE assured me the collection would be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX, MI XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$250.00} ; ( Original Creditor : XXXX XXXXXXXX ) XXXX Balance : {$270.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of XXXX XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date XXXX Inquiry XX/XX/XXXX, XXXX Date XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an account with no creditor or a collection agency name no one to validate the account with. This is a violation of my consumer rights. I demand the account is deleted immediately as to there is no way this account was validated. 

Account number XXXX
Product: Checking or savings account

XX/XX/2020 I received debit card in the email. Immediatley tried to call PayPal. Waited on phone for 41 minutes and was told someone opened an account on XX/XX/2020 with my name, ss, address -- their email and phone number. I was told I had to be transferred and they could help me. The phone was disconnected. I have tried all afternoon and you get hung on you can't even protect yourself from losses because you can't report the fraud. I have tried 3 XXXX # 's and Can't get a person on the phone. I am concerned. my credit is already locked so I am unsure how this happened. I have not activated the card as I do not want them having my info. Please help me report this to PayPal.
Product: Checking or savings account

In XX/XX/2018 my Bank of America account was closed due to actions that were not made by myself. From XXXX I have been a victim of identity theft. I believe the actions on this Bank of America account to be the actions of this. Identity theft has been reported and is on file for my name and social with all the correct agencies. That being said I ask that this reported information please be removed from my name ASAP. Thank you
Product: Credit reporting or other personal consumer reports

Remove reported listed account: 

FORMER ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have been receiving several phone calls for several months from an XXXX XXXX regarding a Spotloan from the internet. He calls from different phone numbers but the latest phone number he called me from was XXXX. He is leaving very deragatory messages. He keeps calling my husband at work and on his work phone and has been told to stop. He has cussed at my husband on the phone, he has cussed at me also. He has left messages lying saying to call back regarding our property, and that he will find us. What does our property have to do with the loan? He has directly asked my husband " who wears the pants in the family '' and saying that my husband needs to force me to give him the money for this loan. He has also said that I need to look in the mirror and see that I am the problem as to why we are drowning in debt. He told my husband that I am fraudulent person and will be going to jail if he does n't pay my debt. This XXXX XXXX is a horrible person and needs to stop harassing us. He calls at all times of the day and night. Please make him stop!
Product: Credit reporting or other personal consumer reports

Per Experian Team Website, In credit reporting industry terms, charged off and written off are considered final status indicators for the account, meaning the account is longer an active entry in the credit report.

For Written off or Charge-offs, are considered certificates of indebtedness, also INCOME which can not be reported on credit report. This item needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX I just got my report and I think it is wrong! I was told I have the right to have an investigation done. The XXXX XXXX Account depicts an old account as a charge off. I paid the account opened in XXXX off completely. I opened a new account in XXXX and XXXX XXXX reported I opened it in XXXX and charged off the new account. The account on my credit report is false. The Credit bureaus laws report that the bureaus report 100 % accurate credit history. Every step must be taken to assure that the information reported is completely accurate. The following information therefore needs to be reinvestigated. Please make sure everything pertaining to my credit report is correct. 

Please provide me with the following items : 1. Pay Off Disclosure 2. Interest Disclosure 3. Balance History 4. Payment History 5. Credit Insurance Validate Account XXXX XXXX Contract Closed ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION.

( A ) IN GENERAL.If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX sent all the documents that the credit bureau ask for on XX/XX/XXXX to have all the fraud accounts remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite an account being closed for over a decade, Wells Fargo Home Mortgage is reporting a current delinquency for the month of XX/XX/XXXX on my credit report at the XXXX, XXXX and XXXX consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XX/XX/XXXX. When disputed to the credit reporting agencies, this account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over 7 years old and must be removed from my credit report.