23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To Whom It May Concern, I am 100 % in disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately reinvestigated and for good cause. These inaccuracies are highly injurious to my credit rating. There are inaccuracies on my report for the following accounts. Please remove ASAP! 
XXXX XXXX XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error - Please update to never late! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please update to never late! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please update to never late! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please update to never late! 
XXXX XXXX - XXXX - Under 15 U.S. Code 1692f ( 1 ) Unfair Practices- Please delete immediately! 
XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX XXXX  - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
I would like to know how you verified this account. In fact, there is NO WAY possible this account was validated because it is not even reporting correctly on my report amongst the three bureaus. The " date open '' is not the same across my three credit reports. It is impossible for this single account to have multiple different open dates. You are not reporting 100 % correct information. Thanks to this inaccurate reporting, it is causing issues with my credit score. I am positive it is against the law to leave anything inaccurate on my report, and I want it removed ASAP. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual PROOF the information was verified, not a computer generated confirmation! Provide : The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. The date you contacted the individual furnishers of information. The method of communication you used to verify the information. I would also like to know if the furnisher provided you with my SSN, address or DOB. Please forward an updated credit report to me after you have completed your investigation and corrections. Your cooperation and prompt attention are required by law. 
Sincerely, XXXX XXXX
Product: Money transfers

Western Union-XXXX location placed a hold on a {$300.00} money transfer. Transfer carried a tracking number of XXXX
Product: Checking or savings account

On XX/XX/year>, while making an ATM transaction at the Citibank branch, my banking card was stolen by someone who was already inside the branch when I arrived. There was no XXXX involved, the man, who was a XXXX male, offered unsolicited help with the ATM and proceeded to quickly remove my card from my hand ( which I snatched back as quickly as I could ) and switched it with another person 's card, which I didn't realize until hours later that same day, but not before the thief had stolen all the money in my checking account and made a {$70.00} purchase on my debit card at a nearby shoe store. To my surprise, he withdrew {$2500.00} at the Citibank teller 's window at the same branch where he had stolen my card, and then proceeded to walk to the Citibank ATMs inside the branch and withdrew another {$1400.00}. There were plenty of red flag signs that the teller should have picked up on. First, the amount was unusually high, in fact I think it is the highest withdrawal amount permitted in a day. Second, my account has a woman 's name on it ( as I am a woman ), and I do not have a Spanish name ( as I am not of XXXX or XXXX origin ), and the thief was a XXXX male. The tellers at that branch are all XXXX because there is a large Spanish-speaking community there and I imagine they are familiar with names that don't appear to fit the description of their customers. Third, when my account information was pulled up by the teller, that teller should have noticed that minutes earlier I had withdrawn {$60.00} from the ATM so to make a withdrawal of thousands of dollars at the teller window immediately after having already completed a transaction at the machine, is unusual. 

In any event, Citibank conducted 3 separate investigations, for the {$2500.00}, the {$1400.00}, and the {$70.00}. Citibank credited my account for the {$70.00} on the same day of the theft. They have not communicated any information to me regarding the results of their investigation of the {$2500.00} withdrawal that was done at the teller 's window. For the {$1400.00} ATM withdrawal, they posted the results of their investigation via a notification letter to my account. They did not call or email me to let me know about the letter or that their investigation was complete. I only discovered the letter when I happened to check my account to see if Citibank was still blocking the account. The letter stated that the thief used both my card and pin # to make the withdrawal and the withdrawal was consistent with my banking habits ( even though I have never withdrawn such a large amount at an ATM before ). The letter stopped short of explicitly concluding that Citibank was not accepting any responsibility for my loss but the tone and tenure of the letter certainly suggests that they are holding me financially responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$3700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I saw this negative items on my report. Information 's given by the Bureaus are very inaccurate across them specially the reported dates. The account status on XXXX XXXX XXXX  was Paid on XXXX while Open on XXXX, missing report on TransUnion. The XXXX XXXX account was reported derogatory on TransUnion only. This reports are misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Sometime in XX/XX/XXXX I tried to use my American Express XXXX XXXX and to request for a credit increase. It was denied. I then called their call center and a representative told me that sometime in XX/XX/XXXX I should recieved a letter starring that American Express will be discontinuing the XXXX program and that all American Express cardholders accounts will be closed. My account closed?! I never recieved such a letter. Therefore I was informed by the rep that I will continue to make payments on the account, but I will be unable to use the credit card to make any charges. This was completely absurd and quite unfair to the consumer. I didnt even have the card for a year and American Express closed my account. The rep informed me that I had to reapply for a regular American Express Card, which they would have to go through the very same process as when I first applied for the card. I was quite insulted and irate about the whole situation, but then it gets worse. I then get a billing statement dated XX/XX/XXXX for the total amount due of {$1100.00} and with the minimum amount due of {$330.00} with a due date of XX/XX/XXXX. With the due date, there is a footnote stating If we do not recieve you minimum payment due by XX/XX/XXXX, you may pay a late payment fee off {$38.00} and your APR will increase to 29.99 % in penalty. 
Then I get a letter from XXXX XXXX XXXX, a professional Debt Recovery Agency. The date of the letter is XX/XX/XXXX. The creditor : American Express with the total amount due of {$1100.00}! Thats TWO DAYS after Amex submitted the billing statement I have been turned over to a collection agency and with a completely different total amount due! And it gets more interesting : I then get a letter from American Express thats dated XX/XX/XXXX informing me that my account has been transferred over to the collection agency XXXX XXXX XXXX with a total amount due of {$1100.00}! This letter was printed after THREE DAYS AFTER I GOT THE COLLECTION LETTER! WHATS GOING ON HERE?! WHAT HAPPENED TO THE ORIGINAL DUE DATE OF XX/XX/XXXX ON THE STATEMENT?! As a consumer I feel cheated. First American Express cancels the XXXX program and cancels my card without notice, then American Express cant wait to send me to collections and post to my credit report?! Quite unfair, impatient, smarmy banking/business practices! Very lowbrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted XXXX XXXX XXXX and XXXX of XXXX XXXX to apply for a car loan. XXXX XXXX XXXX hard inquiry is of my knowledge. The salesman at XXXX dealership said he was going to get me approved at XXXX XXXX which he did. So that inquiry is valid XXXX XXXX   XXXX XXXX XXXX XXXX But all these inquires below are not valid and I didn't give permission. These below inquires should be removed based off Section 604 of the Fair Credit Reporting Act Section 604 - This section is about the situations in which consumer reporting agencies may provide a consumer report. These situations are also called the " Permissible Purposes '' to obtain a report. The section also lists some purposes where a consumer report may not obtain a report, e.g. marketing, curiosity, law enforcement NOT VALID XXXX XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

On XX/XX/23 I made an internal transfer from one of my savings accounts to another savings account in the amount of {$1700.00}. Only {$700.00} was credited despite showing that the transfer went through in the amount of {$1700.00}. 

When I contacted the bank on at least 5 occasions, they advise that {$1000.00} is being held due to " pending verification of funds. '' However, I have over 10x the amount in my various accounts and 5x in the account I transferred it from. In addition, the funds were fully available and cleared prior to the transfer. 

I have also lost out on a week of interest as well.
Product: Credit card or prepaid card

First, Thank you for all your help! 
I'm taking the law class now hope I could make a different too. 

This is related to XXXX Submitted on XX/XX/24 The time when I reported the case. Citi card co. did credit me back {$5000.00}. So I did not included Citi credit card. However since then the credit is cancel and Citi requested me to pay {$5000.00}. I used 4 credit cards to purchase the service. 
3 credit cards of {$45000.00} from XXXX  XXXX XXXX XXXX XXXX. And {$5000.00} from Citi card, total of {$50000.00}. 

I have submitted to Citi of XXXX asked to re-investigate the disputed-XXXX  Credit Card # XXXX But I have not get any answer since last week. 

Update information : I have discovered, XXXX is not her real name that signed the contract with me. 
XXXX XXXX XXXX is her name. It appears that she has committed fraud by sign the contract under false pretenses. 
I believed the contract should be consider void due to the fraud.
Product: Vehicle loan or lease

I am writing to formally file a complaint regarding the charges and fees applied to my account following the total loss of my vehicle in a hit-and-run accident. Below are the key details of my situation : Notification and Updates : I promptly notified all relevant parties, including my insurance and finance company, immediately after the loss of my vehicle. I kept them up to date with the status of the case throughout the process.

Insurance and Gap Coverage : I had both insurance and gap coverage, which eventually paid out. However, the payout process took over XXXX months. 

Payment Suspension : During this period, I did not make any payments, believing that the situation was being handled appropriately through my insurance and gap coverage. 

Despite my efforts to communicate and the eventual payout from my insurance and gap coverage, my finance company charged me late fees and applied the payments to the principal amount. As a result, they now claim that I owe additional money.
Product: Checking or savings account

Beginning XX/XX/XXXX I am not receiving or have access to government funds until the XXXX of every month and I have funds deposited through SSI each month on the third of each month. 
I was told by one the workers that they can hold my money for three to seven days. 
I would like to see why Wells Fargo started this process in XXXX. I never had problems with this company before. HELP I have many screenshots and emails
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account XXXX ******* XXXX has been paid and closed on my report, this is still showing that it is 30, 60 and 90 days late with a balance. How can this be? They should be reporting the account paid. This account should not be showing a late date since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. This inaccurate information is preventing me from getting the credit I deserve and it needs to be fix immediately! 

XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been damaged by XXXX XXXX because their random audit cut my account value to the point where I downgraded my card because it was not worth the annual fee anymore My credit score now is XXXX points lower on XXXX and XXXX points below than normal due to the Actions of XXXX despite 19 years of experience and full service banking. 
I paid a debt that was not even actually due and have never been late yet all of my accounts were cut to the point that it is not worth using them just paying them off and reserving them for emergencies only rather than close them or just sue them for the damage they have done to me. 
I gave them supporting documents regarding how I make money and they refused to regard it. 
I am now submitting more paperwork than it took to secure the account in the first instance. My credit ranged from XXXX XXXX and I spoke with a supervisor there today who said that they would " do something '' to correct the damage to my credit. An hour later I received an email saying that my score dropped from ( XXXX ) XXXX, XXXX XXXX ) at XXXX... and I'm afraid to look at Equifax. 
I used XXXX XXXX  and credit and they damaged my credit rating, no reason completely random with no forewarning. 
I am writing this complaint because I spoke to a supervisor who led me to believe that they would '' do something " to ensure my credit rating goes back to where it was but I don't believe this because an hour later I get a XXXX email saying there was a change to my score and XXXX statement notes a XXXX point drop. 
I am asking for rapid assistance as a means to avoid suing for the damages done to my credit rating to XXXX. 
Please help remedy this before I am forced to litigate or change my name to XXXX XXXX.
Product: Vehicle loan or lease

On XX/XX/2016, my car was stolen, and later was involved in a wreck by the person who stole the car. The police refused to file a police report, which made insurance not pay to either repair or total the car out. The shop stated the car was a complete loss. I attempted to tell Capital One the issue, and they were of no assistance. They went to the auto body shop and repossessed the vehicle. I informed them that I was waiting for a police report from the XXXX Police Department, which was never done because they were trying to blame my husband as the one who  wrecked the car, even going as far as locking him up for eight months before he was finally acquitted of any wrongdoing, and I still was never given a police report. Since I did not receive a police report, insurance refused to pay, but before I could appeal the decision to the insurance company, Capital One Auto Finance had repossessed my vehicle, wrongly repossessed it might I add. Capital One even said the car was a total loss and sold it for parts. I also contacted the credit reporting bureaus informing them of the issue, and also asked them to verify the account, provide the original contract, all that is outlined in section 609 of the FCRA. None of the bureaus ever provided me with that nor did they provide me with the person at Capital One Auto Finance that they spoke with. This is my final attempt before I seek civil litigation.
Product: Credit reporting or other personal consumer reports

Safe Rent Solutions denied rental application due to inaccurate info under my name but social number is not associated with me
Product: Vehicle loan or lease

My car was sold to me under a fraudulent contract.I was financing a car which I paid my down payment out of pocket but it states in federal law that my down payment is included with my finance from the lender but they still made me pay and also for my insurance I paid out of pocket but it also supposed to been included in my loan from lender which makes the contract fraudulent under these federal guidelines 15 US code & 1605 15 US code & 1635
Product: Credit card or prepaid card

XX/XX/2022 I ordered something from XXXX I never received it I called my credit card company Avant and told them that I never received my item they told me it would take 60 days to get in contact with the merchant to resolve this issue. My account was accumulating fees behind this transaction I was told I have to pay the minimum balance or I would have fee on my account I asked for a credit of the amount of the transaction so it wouldnt accumulate fees I forgot what was said. This has been going on for a few months I finally contacted the merchant because they was taking to long to get my money back which I have gotten back but its still late fees on my account my credit card company Avant told me they could only give me a credit for the most recent fee and not for the other past month
Product: Student loan

I have tried submitting a repayment plan multiple times. It takes took XXXX weeks for the plan to be approved and then it wasn't even applied to my account. I also have my account on auto-debit, but no payments have been taken out of my account. I am trying to pay down my student loans, but nothing about this company is working. I am getting frustrated. 

I have tried submitting multiple emails ( early XX/XX/2023 ) with Nelnet to explain my issues, but haven't heard anything and it's now the end of XX/XX/2023. 

I am concerned that I am going to either be charged the incorrect amount or there will be late fees applied to my account.
Product: Credit reporting or other personal consumer reports

I disputed the completeness and fairness of an account reported on my Experian credit report. Experian responded and said that the information was verified. I followed up on Experian 's response by requesting a Method of Verification via mail per my CFPB complaint # XXXX, along with my evidence to show proof of receipt of this complaint. It states that the company has 15 days to respond. My complaint was submitted on XX/XX/23, and it is now XX/XX/23. And there has been no update or actions taken per my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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 card or prepaid card

All four credit cards I have with CitiBank were abruptly closed. I attempted to contact customer service regarding this issue, however, no one would provide me with any information as to why they were closed down. I then contacted the Office of the President, as well as the executive office via email, in an attempt to retrieve information regarding what had happened. However, I did not receive a response from any of the people or the departments that I had contacted. Today, XX/XX/XXXX, I received a letter in the mail stating that all of my credit cards were permanently closed due to " misrepresenting the details on one or more of your billing disputes. '' No further details were provided. I am not aware of what billing dispute CitiBank is referring to, nor am I aware of any misrepresented details submitted on a billing dispute. Since CitiBank 's customer service representatives refuse to provide me with any information and upper management will not respond to my inquiries, I am unable to figure out what has happened, why it has happened, and/or if I can appeal the decision CitiBank has made to close my accounts. I have been doing business with CitiBank since XX/XX/XXXX ( my first credit card account was with CitiBank ) and I would like to continue doing so. I am hoping to have this issue sorted out and my accounts restored. Thank you.