23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I HAVE TWO CITI CREDIT CARDS WITH CITI ONE IS A CITI XXXX CARD AND THE OTHER IS A CITI XXXX CREDIT CARD. BACK IN XXXX OF LAST YEAR I PUT IN A DISPUTE REGARDIBG MY CREDIT LIMIT ONE CARD CITI HAD A CREDIT LIMIT OF XXXX WITH A CASH ADVANCE AND THE OTHER CREDIT CARD HAD A CREDIT LIMIT OF XXXX ALSO WIWTH A CASH ADVANCE. I WAS GIVEN BACK MY CASH ADVANCE BACK IN LATE XXXX FOR XXXX NO CASH ADVANCE BUT XXXX CASH CARD NO CASH ADVANCE WITH A LOW CREDIT LIMIT THEN EVRY SIX MONTH IT GET REDUCE DOWN. I CALLED TO CITI ABOUT THAT BUT NEVER GET ANSWER OR REPONSE ON WHY ONLY A LETTER. RECENTLY A GOT A COPY OF MY CREDIT REPORT FROM XXXX, XXXX AND XXXX XXXX LOOKING AT MY CITI ACCOUNTS ON MY CREDIT REPORT THE PAYMENTS HISTORY IS NOT ACCURATE, THE BALANCE ON MY CREDIT REPORT IS NOT SHOWING I MADE ANY PAYMENTS TO THE ACCOUNT, ALSO THERE IS NO CREDIT LIMIT LISTED ON SOME ACCOUNT THAT I MADE PAYMENTS ON. I HAVE INCLUDED MY DISPUTE WITH EACH CREDIT BUREA AND I SENT MY DISPUTE WITH MY CREDIT STATEMENTS SHOWING I MADE PAYMENTS TO THE ACCOUNT. THE REASON BEING MY ACCOUNT IS LOW BALANCE, PAYMENT HISTORY, THERE NO HIGH BLNCE LIST ON MY XXXX XXXX CREDIT REPORT, JUST WANT CITI TO GO BACK OVER MY CREDIT REPORT AND UPDATE THE REPORT CORRECTLY,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$1200.00}
Product: Checking or savings account

I am writing to file a formal complaint against Citizens Bank regarding several accounts ( Checking, multiple CD accounts ) My father passed away on XX/XX/2023. His accounts at Citizens were designated as payable on death to me, his son and only heir. 

On XX/XX/2023, I downloaded, completed, notarized, and submitted the appropriate Citizens form with an original death certificate to begin the process of closing the accounts and transferring the accounts. 

On XX/XX/2023, after not hearing back from Citizens, I attempted to inquire about its status by contacting Citizens Bank 's customer service. However, I was directed to my father 's bank branch in XXXX XXXX, PA. The bank representative at the branch confirmed that they had received the information about my father 's passing and requested additional documentation, specifically a funeral bill, which I promptly provided. The next day, I was informed that the release of funds hinged upon my submission of a short form from the Pennsylvania court system. 

I told the bank that I will not be able to provide a short form as there is a delay in processing the will ( which does not affect a payable on death account. ) XX/XX/2023 After consulting with an attorney, I have come to understand that such documentation is unnecessary for accounts designated as payable on death. Furthermore, there is a time constraint as I have less than a month left to take advantage of the opportunity to settle estate taxes ahead of schedule to receive a discount in relation to these accounts. 

I sent a registered letter to Citizens corporate address, XXXX XXXX XXXX, XXXX, XXXX XXXX. They confirmed that they received the original form, but then sent then forwarded my letter back to the branch that is denying the account transfer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I requested an update by XX/XX/2023 and have not heard back from the bank handing the account. 

It's important to note that Citizens Bank is the sole financial institution requesting this additional, unnecessary information. 

This situation has become increasingly frustrating, exacerbated by the fact that despite my efforts to seek assistance from Citizens ' customer service and to connect with someone knowledgeable in estate planning, I am consistently redirected to the branch that has deemed these extraneous documents necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report : XXXX XXXX XXXX Acct # XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of the ability with maximum accuracy. I contacted " Experian " asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account withthose creditors was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

I was contacted by XXXX XXXX by email that I had a unusual collection on my XXXX credit report. Checking there was a collection for {$150.00} with a collection agency by the name of Harris and Harris, LTD on behalf of XXXX XXXX After notifying Harris and Harris I was given the number to the fraud department of XXXX. I was given a ticket number from their office XX/XX/year>. Telling me they would open an investigation. I call back to XXXX today XX/XX/year> to check on my dispute and was told I would have to summit a fraud claim form. I am in the process of that. 
Called all three of the Credit Reporting Bureaus XXXX, XXXX and XXXX issuing a credit freeze fraud alert and on all my credit reports. XXXX gave me this alternative to open an investigation with C.F.P.B.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inaccurate entry on my credit report. I have identified a duplicate collection from ONLINE COLLECTIONS GRVL. This entry is mistakenly reported twice under two different agencies and is negatively impacting my credit score.

Details of the Duplicate Collection : - ONLINE COLLECTIONS GRVL - Not Provided - XX/XX/year> - {$810.00} Upon reviewing my credit report dated XXXX XXXX, I noticed that this collection account appears twice. However, this is a duplication with another alleged debt from XXXX XXXX XXXX which has not been validated as requested. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information. Therefore, I kindly request that you investigate this claim, verify its accuracy, and remove the duplicate entry from my credit report. 

Please resolve this matter promptly. I expect to receive confirmation of the deletion within 30 days, as outlined by the FCRA. Additionally, I would appreciate a copy of my updated credit report once the correction has been made. 

Thank you for your attention to this matter.
Product: Credit card

I have my bank set to XXXX  pay. I pay my account XXXX a month, somehow, the amount due increased to an additional XXXX. I didn't realize it, I don't use this card except for vet emergencies. I haven't used it in almost XXXX years. I took a look at my account and was shocked at how much I still owed when I have faithfully made my payments. Then I saw I missed the XXXX increase so they have been charging me a late fee of XXXX. I pay XXXX, they charge me XXXX This is ridiculous. I wasn't behind enough to send an alert to me about payment but just behind enough that they have made XXXX off of me for XXXX  and XXXX. This happened a XXXX  years back and I called and this bank refuses to remove ANY type of late fee. I'm sick of the practice and feel it is wrong to gouge a customer like this. My husband lost his job in XX/XX/2023, as I said I only use this card for vet emergencies. I'm going to need it and not only have I paid hardly any of my balance down but Care Credit has made a boat load off of my ignorance. With our finances stretched to the XXXX, I would like XXXX months of late fees be applied to my balance. I will up my XXXX  amount to make sure there is not XXXX somewhere not paid promptly that initiates this sick way of doing business. It's not fair to take advantage of customers in this manner.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : This account, I result of identity, theft, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never later and this a loan that was obtained as a business loan, not from my personal credit XXXX XXXX, showing LATE PAYMENT which thats not accurate
Product: Credit reporting or other personal consumer reports

Kindly block and delete these incorrect accounts from my credit report. This needs to be addressed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a thorough investigation into an ongoing issue I am experiencing while applying for assistance, as a victim of XXXX XXXX. Each time I attempt to submit my application, I am repeatedly met with the same error, which states that I need to verify my identity. Despite following all necessary procedures, I have been unable to resolve this issue, and no one has been able to provide a clear explanation for why this is happening. 

I demand a proper investigation into why this repeated identity verification error is occurring, and I insist on receiving a clear resolution that ensures my identity is easily and accurately proven. As a victim of a natural disaster, I can not afford delays or errors in the processing of my application for assistance. 

Please address this matter with the urgency it requires, and provide me with a detailed response outlining the steps being taken to resolve this issue.
Product: Mortgage

I live in XXXX I recently applied for a refinance loan with 53 Bank to combine my mortgage and equity loan together for a lower interest rate. I have had my mortgage and equity loans with 53 Bank for over XXXX years. 53 Bank recently ( XX/XX/2015 ) did an appraisal of my home with a company XXXX XXXX located in XXXX. The appraisal valued my home at {$60000.00}. The appraisal appeared to be based on foreclosed properties and/or condo properties. At one time 53.com appraised my property at {$140000.00}, a couple of years ago at {$120000.00}. 
My complaint is that I feel that 53 Bank uses improper appraisals to deny mortgage loans in my area
Product: Payday loan, title loan, or personal loan

Received a letter in XXXX from American first Finance. The letter stated they were going to deduct the payment out of a debit card ending in XXXX. This was not my card and I did not know this company so I called and told them they sent the letter to the wrong person.The person asked me for personal information. I thought this was a scam so I did not give them the information. the Company did not have my phone number, email. They were also not able to find an account in my name so I left it as a mistake. I then kept getting letters that I owed them money. A report was placed on my XXXX XXXX Credit report. some one obtained a loan for XXXX dollars in my name. after months of contact with the fraud department and employing a fraud agent. they keep saying it was me. Supposedly someone ordered furniture from American freight in Michigan somewhere. The day this loan was taken I was at work. I can prove this. also apparently they picked up the furniture. So the do not know when it went. The company was asked to look into the dept card bank and name. pull security footage and to compare signature on the loan document to my drivers license. They said they would not do this because last time they investigated a claim it was the person to took out the loan. I filed a XXXX  report and they sent the contract for a XXXX XXXX. I gave them the account number on the letters. They are not even looking at the claim or the reports. it is clear who ever did this paid XXXX dollars. how did they pay. who XXXX the debit card. what phone number and email address do they have. you can trace my car and phone and it will prove I have never been at American fright. Also I would never take out a loan of this type. I just bought a 23 truck and paid cash to avoid interest. look at my credit report I do not take out loans. I am retired and paying off any loans I have. please help to clear my name. this has been going on too long.
Product: Credit reporting 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 and confidentiality under 15 USC1681 Accounts : XXXX XXXX XXXX  # XXXX, XXXX  Lending # XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 antedate the report by more than 7 years 15USC 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 accurate.
Product: Debt collection

LVN said I owed them, not XXXX XXXX. They purchased my debt without my knowledge even though I was attempting to settle with XXXX. They also agreed to accept less. They will not confirm which account is which, with account # s. They will not reflect on my credit report the lesser amount. I had a business partner that stole from me, which put me in financial despair. I am now working with a reputable company and LVN refused to cooperate. They will not adjust the balance that they agreed too. I have also paid XXXX per each account towards the debt as well. Please see the attached documentation of recent payments and agreements.I plan on paying the remaining agreed upon balance within the next 30 days. Thank you so much!
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I found multiple billing errors. The late payments do not align with my usual payment history. Kindly correct these issues and update my account. Thank you!
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft and inaccurate and incomplete information being reported by EQUIFAX INC After reviewing my credit report I noticed inaccuracies and incomplete information reported by XXXX XXXX XXXX XXXX XXXX off Acct XXXX credit and Charge off Acct XXXX Auto is inaccurate information 15 U.S.C 1681 ( 2 ) ( i ) ( a ) states that a consumer report does not include information solely as the transaction or experiences payment history charge off between the person and the fraudulent account held with XXXX XXXX XXXX XXXX. This is Identity Theft and fraudulent deceptive Credit practice by XXXX XXXX XXXX XXXX. XXXX XXXX does not have my consent to furnish inaccurate information CHARGE OFF accounts, this is identity theft whether it be, nonverbal, written implied or otherwise is revoked. 15 U.S.C 6802 ( a ) ( c ) ( e ) ( 8 ) states that a financial institution may not disclose nonpublic information to nonaffiliates XXXX parties unless consumer is given nondisclosure option. 

1. DISPUTE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On this date XX/XX/XXXX The Credit bureaus stated Accounts XXXX XXXX XXXX XXXX Account Number : XXXX ) ( XXXX XXXX Account number : XXXX ( XXXX Account number : XXXX ) were properly investigated but how is that possible if the status updated reported is inaccurate, the balanced updated is inaccurate, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX, and XXXX XX/XX/XXXX, last payment inaccurate with different dates being reported ( XXXX XX/XX/XXXX, Equifax XX/XX/XXXX, XXXX No information being reported. Also this account was in good standing XX/XX/XXXX but not reported on XXXX nor XXXX. Also this account was reporting charge off from XX/XX/XXXX to XX/XX/XXXX as if the account is still open and also reporting charge off for different dates on Equifax from XX/XX/XXXX and XX/XX/XXXX which false information. This is ground for removal. This law clearly states a consumer reporting agency can not furnish an account without my written instructions. I havent given these accounts written permission to furnish these accounts on my report. 
Also none of these accounts are being reported or accurate across XXXX nor EQUIFAX. All the information on this account which is inaccurate and a violation According to XXXX XXXX XXXX XXXX, XXXX, EQUIFAX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts IMMEDIATELY. 

XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Equifax Account XXXX : XXXX XXXX Account number : XXXX XXXX Account Name : XXXX  Account number : XXXX
Product: Mortgage

Since XXXX XXXX, I was in an active modification review with XXXX. As of XXXX/XXXX/XXXX, XXXX had a full package with the underwriting team and prior to that we were informed that the loan would be transferred to Shellpoint on XXXX/XXXX/XXXX. Prior to the transfer from XXXX, XXXX assured that I had a full package which meant that the sale date would postpone and that Shellpoint would take on the file just as it left. After speaking to XXXX in XXXX, they stated it would take time for the documents to be reviewed and only on XXXX XXXX, XXXX were we told that ALL documents had to be in on their forms. We provided Shellpoint all new documents with corresponding proof only to be told on XXXX XXXX, XXXX that more docs were needed. I provided all documents and today I was told tht my income of {$10000.00} does not qualify for HAMP?! HAMP is not even an approved program then the point of contact said I do not qualify for any programs, so I mentioned will I receive a DENIAL letter so I can appeal the decision and he stated NO. This is classic example of dual tracking how cn this servicer take a file from another servicer as a full package then take 4 weeks to review and just on the eve of the sale state I dont qualify for any programs including a NON-EXISTENT program like HAMP? Please help I have over XXXX equity in my home and they are not playing fair I have complied with all that was requested of me
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding inaccurate information appearing on my credit report regarding the XXXX XXXX account. The errors in question are negatively affecting my credit standing, and I request an immediate investigation and correction. 

Late Payment Reporting : My credit report from XXXX and Experian indicates a XXXX late payment in XX/XX/XXXX, which is inaccurate. I have made timely payments, and this mark should be corrected. 

Dispute Status Inconsistencies : My reports suggest the dispute was resolved and reported by the grantor, but I was not properly notified or provided evidence of the resolution. 

Account Information Discrepancies : The reported balances, payment status, and account details are inconsistent between credit bureaus and require clarification. 

XXXX Account # : XXXX High Balance : {$300.00} Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Balance Owed : {$29.00} Account Status : Open, Current Payment History : Incorrect late payment in XX/XX/XXXX Experian Account # : XXXX High Balance : {$300.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance Owed : {$29.00} Account Status : Open, Current Payment History : Incorrect late payment in XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), I request that XXXX  XXXX and the credit reporting agencies provide documented verification of this late payment. If they can not substantiate it, I request its immediate removal from my report to reflect a positive payment history. 

A copy of my credit reports ( highlighting errors ) is attached.