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

I have made some attempts to dispute a specific account under XXXX XXXX with XXXX, Equifax and XXXX and have not gotten a written response. All 3 of the credit bureaus ignore my dispute requests and this inaccuracy is still on my credit report. This account is inaccurately reporting under the payment history : there is missing data, there is inaccurate data and unmatching data and is in violation of the Fair Credit Reporting Act.Under 15 U.S. Code 1681 ( e ) bAccuracy of reportWhenever a consumer reporting agency prepares a consumer report, it shall follow the reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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: Checking or savings account

I do my banking with Ally Bank - an online bank with no physical locations. 

I have been their customer for many years and have not had any problems accessing my online accounts until XX/XX/XXXX. 

On XX/XX/XXXX, I tried to log into my account and could not. I got a message stating Online Access is Blocked. I called Ally on XXXX and Ally created a ticket # XXXX and directed me to follow up in a day or two. I called them again on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - Ally keeps telling me that issue is being " reached '' and they can not provide estimated date when online access issue will be resolved. 

I use Ally for online banking purpose and not able to access is frustrating and impossible to manage my finances especially when Ally can not tell me when & if I will be able to access my account online.
Product: Bank account or service

I walked into a Citibank branch at XXXX XXXX XXXX, XXXX, NY XXXX ( I have a Checking Account with Citibank ) and ordered about {$300.00} worth of a foreign currency. For some reason, my Checking Account got debited twice for the order ( i.e. I was charged twice as much as I was supposed to be charged ), even though my receipt only indicated that I placed the order once. I went back an hour later and was told the problem would be corrected by the end of the day. It was n't. I called Citibank, and was told that it would take 45-90 days to resolve the problem through corporate. This is completely unacceptable - I lost access to my money and I have bills to pay on which I 'll be charged interest if they are late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I was advised via emails from my credit monitoring service that requests for my XXXX credit report had been made by XXXX ( credit union ), Capital One Auto Finance ( finance/personal ), and XXXX XXXX XXXX ( finance/personal ). On XX/XX/2019, I received another email from my credit monitoring service stating that a request for my XXXX credit report had also been made by XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX , MD XXXX ( Automotive ). All four of these requests were previously unknown to me and were never authorized by me. 

On XX/XX/XXXX and XXXX, XX/XX/2019, respectively, I received letters from XXXX XXXX XXXX and Capital One Auto Finance indicating that they could not extend me credit based on credit applications in my name that had been forwarded to them by XXXX ( XXXX ). Again, I was previously unaware of these unauthorized and fraudulent credit applications. The letter from Capital One Auto Finance stated that " the only addition to your credit report will be an inquiry from us. ''
Product: Prepaid card

I had XXXX dollars taken from this payroll card through the program " earned wages access ''. I was told I was approved and I wold receive m refund but never do
Product: Student loan

Navient refuses to consolidate three loans in order to attempt to collect three separate payments totaling out around {$2000.00} a month which is not finically possible.

They call my cell phone, my mom 's cell phone and her house all day long relentlessly and from random numbers all day. 

My federal loans were dismissed from being ripped off by a for-profit school as I was never able to obtain a job in my field making what I was promised and I did not receive any job placement services that were promised, I am stuck with these private loans which are like a jail sentence. 

My mother paid on these loans for many years and they have only gone up not down
Product: Credit reporting or other personal consumer reports

I HAVE ATTEMPTED SEVERAL TIMES IN XXXX OF XXXX, XXXX OF XXXX TO HAVE THESE THIRD PARTY CONSUMER REPORTING AGENCIES TO REMOVE THIS INACCURATE AND NON-AUTHORIZED INFORMATION FROM MY CONSUMER REPORT. THEY HAVE REFUSED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

per the FCRA as a federally protected consumer i am now opting out of an ANY and ALL authorization that I the consumer may have given. Written, unwritten, verbal and non verbal per the 6802. Obligations with respect to disclosures of personal information. In accordance with the fair credit reporting act, under 15 U.S.C 1681s-602 it states I have the right to privacy and this creditor has violated my rights. 15 U.S.C s-604 ( a ) s-2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit ( 1 ) Reinvestigation required.

per 15.u.s.code 1681i ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit card

Im writing with regard to a Citi fraud investigation related to a series of fraudulent charges to my Citi Premier card occurring on XX/XX/XXXX. The charges were attributed to a merchant unknown to us ( XX/XX/XXXXXXXX XXXX in the amounts of {$880.00}, {$3400.00}, and {$6000.00}. 

When contacted by the Citi fraud department on XX/XX/XXXX through their early fraud warning system, I was asked whether our card was in our possession. I explained to the caller from Citi that we did have at least one card in our possession, but that this was our previous Citi Thank You Card, not the new upgraded Citi Premier cards wed recently requested. 

In fact, the new Citi Premier cards hadn't arrived through the mail in a timely fashion, leading us to now believe that they may have been intercepted and used for the fraudulent charges. 

I have filed a police report with the XXXX Police Department and can provide you with the report number if needed. 

Yet, according to a letter we received from Citi dated XX/XX/XXXX, Citi has closed the investigation of these charges and is holding us responsible, citing that we had the cards in our possession. I have called twice in the interim to again explain that the cards in our possession at the time of the fraudulent charges were our previous Citi Thank You cards and not the Premier cards that were yet to be received through XXXX mail. 

Note that Citi did determine that two charges taking place on XX/XX/XXXX were indeed fraudulent, and is not holding us accountable -- making it puzzling that they did not determine the fraudulent charges on XX/XX/XXXX as related. 

Pertinent to Citi 's investigation, we also received a bill from XXXX for a fraudulent charge which appeared related to one of the disputed charges ( we are not XXXX customers ). XXXX quickly investigated, verifying that the charge was indeed fraudulent, and has notified the credit bureaus on our behalf. We have provided this information to Citi. We have also provided the XXXX Police Department police report. 

Please let us know if you need any further information from us to assist in asking Citi to reopen the investigation and reconsider their decision. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$20000.00}
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX  ] [ XXXX, Ga, XXXX ] [ XX/XX/XXXX ] TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information reported on my credit report. The account in question is XXXX, with a reported balance of {$570.00} and noted as Placed for Collection. After reviewing my credit report, I have identified the following inaccuracies : 1. Payment History : The account is marked as having been placed for collection ; however, the payment history reflects that I made 100 % of payments on time. This inconsistency suggests an error in the reporting of the accounts collection status.

2. Account Status : The account is noted as closed on XX/XX/XXXX, and placed for collection. However, the information provided does not match my records, and I have no knowledge of any outstanding balance that would justify this status. 
XXXX. Reported Balance : The reported balance of {$570.00} is inaccurate based on my records, and there is no explanation for this amount or proof of its validity. 
These errors are significant and negatively impact the accuracy of my credit report. I am requesting that you investigate these inaccuracies and provide supporting documentation from the creditor to verify this information. If the inaccuracies can not be verified, I request that the account be corrected or removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 
To assist with your investigation, I have attached the following documentation : A copy of my credit report with the XXXX account highlighted Relevant supporting documents regarding this account Please confirm receipt of this dispute and provide the results of your investigation at your earliest convenience. I would appreciate a detailed explanation of your findings. If further information is needed. 

Thank you for your prompt attention to this matter. 
Sincerely, [ XXXX XXXX ] [ XXXX ]
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX, XXXX, Transunion are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX and XXXX XXXX is a financial institution by definition under that title. 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX and XXXX XXXX, the financial institutions and the Consumer reporting agencies XXXX, XXXX, Transunion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Transunion, XXXX And XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX and XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the accuracy and completeness of this account with the credit reporting agencies and the account was supposed to be reinvestigated by the furnisher and deleted if errors were found. I received an updated copy of my credit report and I still found errors with this account on my credit report. 

From my understanding this gives me a private right of action to file a claim under the FCRA with 15 USC 1681s-2b supporting my claim. 

I believe I meet all the elements of an FCRA Claim and I have the standing to file arbitration if need be.
Product: Mortgage

Trying to refinance a home via XXXX XXXX, w

hich I was told would be simple. I am a widow. My husband & I owned the home, but it was financed in his name with a VA loan. When he passed away, the home was then deeded to me. All I wanted to do was lower the rate, which I was explained was not an issue as I receive his retirement benefits. I was told by LOAN DEPOT, after over 60 days of promising a closi ng in a few weeks, that I do not qualify. With no explanation as to why that would be?
Product: Credit reporting, credit repair services, or other personal consumer reports

I ATTEMPTED TO FILE A DISPUTE WITH TRANSUNION IN REGARDS TO AN ACCOUNT THAT THEY HAVE LISTED ON MY CREDIT FILE. THE ACCOUNT IS LISTED AS " XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
THIS ACCOUNT IS TOO OLD TO BE LISTED ON MY CREDIT FILE AND TRANSUNION REFUSE TO REMOVE IT. WHEN IT ATTEMPTED TO HAVE IT REMOVED, TRANSUNION STATED THAT THEY WERE UNABLE TO INVESTIGATE THIS DISPUTE. TECHNICALLY IT IS NOT A DISPUTE, IT IS A REQUEST FOR THEM TO REMOVE THIS INFORMATION PER THE FCRA.
Product: Credit card

This complaint is regarding Citi Credit Card, the issuer of XXXX credit card 's unfair and deceptive acts. XXXX varying amounts were charged to Citi/XXXX Credit Card in conjunction to XXXX deferred interest promotion. The first amount of {$1300.00} charged to Citi/XXXX Card on XXXX XXXX, XXXX was the initial payment toward the Bathroom ( tub replacement ) at my XXXX XXXX XXXX and the remaining balance of {$2800.00} was charged to the same Citi/XXXX Card on XXXX XXXX, XXXX when the job was completed. A new charge for a bedding in the amount of {$700.00} was charged to this Citi/XXXX card on XXXX XXXX, XXXX and a the last purchase in amount of {$1300.00} for electronic equipment/accessories was charged to this same Citi/XXXX card on XXXX XXXX, XXXX. 

The subject of this dispute is how my monthly payments under the deferred interest promo was applied towards this Citi/XXXX account. I understand that any payment made will first be applied towards the oldest account ( the account whose promo date ends first. With the exception of accounts that are in dispute. When an account is in dispute, it will be placed in hold until such time the matter causing such dispute is resolved. Despite numerous calls to the bank 's customer representative, and emails/messages requesting Citi/XXXX to readjust my account balance by recalculation the payments and applying them towards the accounts that are not in dispute, Citi/XXXX has acted unfairly and in a deceptive manner by continuing to apply my payments towards paying down the amount in dispute. Adding insult to injury, Citi XXXX continues to levy interest charges when there is no late payments whatsoever that would trigger such interest charges to be added. 

Based on my calculations, The entire amount that is not in dispute is all paid -up way ahead of the promo 's end dates. In fact, there is an overpayment which will have to be applied towards the amount in dispute bringing the amount in dispute from $ {$2800.00} per Citi/XXXX records down to {$2200.00}. This is the amount that I have to pay once XXXX XXXX XXXX has made the necessary repairs/to the bathroom. Henceforth, no more payments will be made since all amounts have been paid ( and overpaid ) leaving the disputed amount open and said amount in dispute will be paid upon completion/resolution of the matter that is the subject of the dispute.
Product: Student loan

I completed my education in XXXX with student loans which I been paying without any break since XXXX. The only thing is the original servicer turned over the payments to navient and recently I tried to get the information from navient and the they saying I have had the loans since XXXX. I wanted to find out if I qualify for loan forgiveness since I have paid the loan since XXXX without any break.
Product: Mortgage

here is the deal. 
Called Community Loan Servicing to get assistance, however, they stated our house went to another company unsure of which company, I was not notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Payday loan, title loan, or personal loan

I can't see very well or read well. I took a {$1500.00} title loan on my truck and was told it would {$1600.00} to pay back. I finally got someone to read it to me to double check and they expect me on social security XXXX to pay over {$8000.00} back. Aren't they ripping me off? Isn't it illegal to charge that much interest? I'm paying on it but {$8000.00} ... .. Please help
Product: Checking or savings account

I am the target of an arbitrary investigation under the premise of having committed fraud. My consumer rights and my honor and good name are being violated. 
We are facing foreclosure and we are at risk of losing our home. That's why my family, friends and church members started a GoFundMe to raise funds. Some people wanted to make sure that 100 % of the money would go to us, so they started donating via XXXX. 
The bank started to denying deposits, so I went to the bank branch in person to seek help. On XX/XX/XXXX I spoke to XXXX XXXX, I explained her my situation and I showed her a screenshot of the sign for the sale of our home. She was very empathetic due my situation and was willing to help me through this whole banking nightmare. 
XXXX XXXX started a complain on my behalf addressed to thXXXX XXXX manager of M & T bank XXXX XXXX XXXX XXXX, but I never got a respond. The same day, XXXX contacted the XXXX department to get information on why the bank was blocking my accounts. 
We were informed that we would have not problem if we call the bank every day to request an override, but the opposite happened since that day. Deposits were denied and I had to spend endless hours on the phone without finding a solution. Since XX/XX/XXXX have had to go to the bank branch looking for help. 
After a week, someone finally told to XXXX XXXX that we couldn't use XXXX, but by then I was wearing a XXXX XXXX because of the anxiety and stress of seeing that we were losing our home while the bank wouldn't help us. I tried to make them understand that I am a person who has been undergoing psychiatric treatment for many years due to chronic XXXXXXXX and that I was on the verge of going crazy, but the bank only made things more difficult for me.The bank continued to block my accounts, claiming that I was still under investigation for fraud. On XX/XX/XXXX I was discriminated by a XXXX employee who informed me that they could not speak XXXX and if I wanted to do so, I had to do so through a translator. 
On XX/XX/XXXX, my wife was unable to make a payment to a company she was applying to work for due to the account being blocked ; we have proof that the transaction was declined, as well evidence of the recordings of the conversation with the bank. 
To this day XX/XX/XXXX, I still call the bank, I still visit the branch looking for help, but all I have gotten is that the bank continued to treat me like a criminal. I have no access to my accounts, I can't go to the gas station, I can't shop at the supermarket, and I can't pay my bills. 
All I have gotten from the bank is loss of time, dishonor, torture, discrimination and worsening of my mental health.
Product: Debt collection

I'm disputing items on my credit report from companies I never dealt with, causing problems XXXX XXXX XXXX  I urgently seek their removal or information for legal action. See attached.