23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I have repeatedly tried to close my checking with Citibank and they have not closed it. I am no longer in the United States. This makes handling the matter very difficult. 

I first requested to have the account closed on XX/XX/2016 ( XXXX Eastern Standard Time ) via online chat with a Citibank representative named XXXX. He told me that the account would be closed within 2 business days. I received the cheque with the remaining balance on XX/XX/XXXX ; however, a letter later arrived welcoming me to Citibank, followed by another letter with an ATM card. On XX/XX/XXXX, I posted a letter to Citibank. This letter repeated that I had instructed them to close the account, had not requested a new card, and again, instructed them to close the account. 

I have now received an email on XX/XX/2016, informing me that I have a new message on the online system concerning my account. I can not access this message, as I no longer have the relevant details. I am quite frustrated by this constant back-and-forth across national borders for what should be a simple administrative task. I am also concerned that the account may be accumulating fees, and will therefore create difficulties for me if I attempt to re-enter the US in future.
Product: Credit reporting or other personal consumer reports

In accordance with the XXXX XXXX act XXXX XXXX XXXXXXXX, 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 an account without my written instructions.
Product: Debt collection

XXXX has continued to persue me over a debt that has been resolved. I have told them over and over that I have settled the debt but they still keep sending my account to collections. I have the settlement letter and the credit bureaus comments on the account stating the account has been settled in full.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Crediting Report Act ( FRCA ) THESE COMPANIES are violating my rights. Under 15 USC 6802, states that the consumer is to be sent a notice by your organization disclosing the information that maybe disclosed. I have already given and directed you that such information may not be disclosed to any third party. I have exercised this non-disclosure option and you have continued your deceptive acts. Your deceptive act also violates my right to privacy which has caused significant harm to me as the consumer under 15 USC 1681 sec 602 Right to Privacy. Under 15 USC 1681 ( b ) in accordance with the written instructions of the consumer to whom it relates, you have to have my written permission for you to report anything on my behalf and you do not. YOU ARE FIRED FROM RECEIPT OF THIS DISPUTE. 

UNRECOGNIZED INQUIRIES CITI CARDS CBNA : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX UNRECOGNIZED INQUIRIES XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Applied for PPP loan thru XXXX, SBA approved and funded, XXXX XXXX sent deposit on XX/XX/XXXX to my bank, and on XX/XX/XXXX initiated a reversal of funds from my bank account with no explantion. Contacted XXXX XXXX XX/XX/XXXX, spoke XXXX ( operator ) who in turn sent an email to the appropriate dept about my concerns ( XXXX XXXX ). XXXX XXXX has no working phones and do not respond to emails. XXXX XXXX sent email on my behalf to XXXX XXXXl on XX/XX/XXXX and someone called me only to be told " they have so many applications it would be impossibel to trace mine ''. I am going to file a police report for theft of funds if this is not resolved amicably.
Product: Credit reporting or other personal consumer reports

My spouse filed bankruptcy without me and without my knowledge. 
One account from XXXX XXXX is being reported unfairly as derogatory under my credit report with Experian. 
XXXX XXXX, after disputes and complaints, has even agreed that it should be removed. I have documentation that they have requested that the credit bureaus no longer report it. The other two do not have this account reported. Only Experian REFUSES to remove this account even after being provided evidence that XXXX XXXX agreed to remove it.
Product: Checking or savings account

I deposited around usd 1500 at atm location XXXX on XX/XX/2018 at XXXX in XXXX , Ohio - aid:XXXX ( deposit exception record ). XXXX XXXX or its employee took this money and is not giving me this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed two accounts listed on my credit file. The investigation resulted in both accounts being updated. On XX/XX/XXXX I mailed out a method of verification request. Per USPS tracking, Experian received that request on XX/XX/XXXX. Shortly after, I received an alert that the accounts were updated ( again ) and the dispute was closed. The method of verification request was completely ignored. 

I contacted Experian by phone XX/XX/XXXX and I spoke with a live agent. I asked for clarification of the alert and the agent told me it was closed. I then asked her why I did not receive the information I requested. She stated that Experian could not and would not provide this information. I informed her of my rights under FCRA and still nothing. I then informed her that I was recording our exchange and she ended the call.

FCRA 611 ( a ) ( 6 ) ( B ( iii ) states that a CRA must provide : The description of the procedure Experian used to determine the accuracy and completeness of the information. 

Name, address, and telephone number of each person contacted regarding this alleged account. 

A copy of any documents provided bearing my signature, showing that I have/had a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-Oscar verification is unacceptable. The credit bureau must give me the method of verification information within 15 days of my request and clearly, this did not happen. Experian closed my dispute without properly investigating. I also was able to record the phone exchange in which the agent clearly said Experian would not be providing the information I requested.
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 to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX - Account number : XXXX Account Name : XXXX - Account number : XXXX Account Name : XXXX XXXX XXXX - Account number : 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 XXXX  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 the information is inaccurate.
Product: Debt collection

XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1500.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Debt collection

I contacted Mobiloans after finding a loan on my credit report. I contacted the company and asked for all of the information regarding the debt including the paperwork and I never received any information. The company continues to call me and my family members NUMEROUS times and will not remove the information from my credit report. I 've sent numerous letters via priority mail with receipt requested asking for debt validation and the company does not respond, however, they continue to report negatively.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX shows a residential address on XXXX and XXXX as well. I want to no who and why this company is showing on my credit report on XX/XX/2018 report file # XXXX as to why they pull my credit under Account Reviews Inquiries on my Transunion report. I have not applied for anything with this company or given them permission or sign anything or contract giving them permission to pull seek or obtain any credit information by me or consent to pull credit. 
Transunion has no justification to why this company is listed as a residential address as XXXX XXXX XXXX XXXX XXXX CA XXXX Also Transunion should be held accountable to my credit report for damage/ ( s ) to letting a company pull my credit. Proof of my signature or consent needs to be provided by this company if there a legal company as to who sign or committed fraud under my name. Also page 11 of 12 Transunion shows the information file # XXXX date issued XX/XX/2018
Product: Debt collection

This is yet another compliant about the unscrupulous business practices of this collection agency that despite my previous complaints continues to call me regarding a debt that according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. I have demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for all collection accounts on file both via phone and via my previous compliant but still have yet to receive this information. Even further I received yet another collection call from this agency today in which I made it quite clear that the burden of proof is with the collection agency and not me and that all collection calls should cease and desist. This agency 's failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and clearly they are unable to provide me a copy of verifiable proof, It has been longer than 30 days since my original request and therefore I demand that all collection attempts cease and I demand that all negative entries be REMOVED. My next course of action will be litigation if I am contacted about this again outside of being informed that all negative credit entries to XXXX, XXXX, and XXXX   have been deleted.
Product: Credit reporting or other personal consumer reports

Experian credit report continues to show a balance on the account. Dispute has been unsuccessful because the account holder continues to say the information in correct.
Product: Debt collection

The organization XXXX XXXX XXXX XXXX XXXX ( XXXX ) claims I owe them {$250.00}. I have never had any previous credit or debt with XXXX. I have contacted the company many times asking to identify and provide supporting documents. They have failed to provide any information to support the fact that this debt is valid. For non payment they have sent this to a collection agency Transworld Systems. As of XXXX XXXX, 2017 a letter states that I owed {$250.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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. 

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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I am unable to access the funds in my account and have requested to close my account, however I am told that I have to contact the state agency. Unfortunately I can not contact the state agency due to a lack of available assistance.
Product: Credit card or prepaid card

I found unauthorized charges and some of them were occurred when I was out of Country which I filed the claim twice and they did not fix the problem and charged all of them back as my charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I mailed a certified letter to Equifax and XXXX about an account with XXXX XXXX account on my credit report. I asked for proof that I was ever late on a payment with this company. A bank statement showing that I was late. After 30 days they just verified the account. They did not send any proof showing that I was late. 

On XX/XX/2023 I mailed another certified letter to reinvestigate the results from the following dispute that I sent out on XXXX and again I did not receive any proof that I was ever late on payments to the company,
Product: Mortgage

I applied for loss mitigation in XX/XX/year>. I have provided all required documentation and amerihome is refusing to process my application because I bought a house with a woman who later signed a quit claim deed but is still on the loan.m I have called every week to see what the hold up processing application is and they say its still in underwriting and refuse to say anything else. 

I just found out they are working with the woman on the loan to force a foreclosure due to a pending divorce.
Product: Credit card or prepaid card

At this point I do not know who to trust. People call claiming to be-representatives from the creditors saying they want to help.that I owe by way of Fraud and the problem does not go away. 
My account have been charged XXXX, trips, apartments, dinners and I am on a fixed income and have not left the state of Georgia in years. I have worked hard all my life to pay my bills and someone has stolen my identity. Its is saddened me and is a great worry.
Product: Credit reporting or other personal consumer reports

RE : Violation of U.S. Code Law ( TILA 15 U.S. Code 1666 ( b ) - Billing Error ) Upon reviewing my credit report, I noticed multiple billing errors that violate 15 U.S. Code 1666 ( b ) : To Whom It May Concern, ( 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 unless they have adopted reasonable procedures to ensure each periodic statement, including the information required by section 1637 ( b ), is mailed or delivered to the consumer not later than 21 days before the payment due date. ( 4 ) Failure to Reflect Payment : The creditor failed to reflect a payment or a credit issued to me properly. ( 5 ) Computation Error : The creditor 's statement has a computation error or similar accounting error. Since the creditor did not notify me 21 days before the payment due date, there should be no late payments on this account. I demand solid proof from the creditors bank account showing that I did not pay and was marked latethis is a billing error. The items below must be updated to " paid as agreed '' on my consumer report : XXXXXXXX XXXX XXXX XXXXXXXX This account is PAID on time and PAID as agreed! This is a violation of 15 U.S. CODE 1666B. It was never too late, so delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in written instructions of the consumer to whom it relates. Again, remove this 30-day incorrect late remark and update it to " paid as agreed, '' or DELETE it entirely from my report. 

XXXX XXXX XXXXXXXX This account is PAID on time and PAID as agreed! This is a violation of XXXX XXXX CODE XXXX. It was never too late, so delete this XXXX late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in written instructions of the consumer to whom it relates. Again, remove this 30-day incorrect late remark and update it to " paid as agreed, '' or DELETE it entirely from my report.
Product: Mortgage

I was a victim of Flagstar Bank 's default servicing practices that were identified in your 2014 Consent Decree. I was forced into bankruptcy due to Flagstar. Upon dismissal if bankruptcy, I was to obtain modification from Flagstar, but at the same time the mortgage servicer was changed from Flagstar to XXXX XXXX and I had tremendous problems with XXXX and Flagstar obtaining information related to the terms and conditions of my modification. Even though XXXX XXXX was identified as my mortgage servicer, Flagstar has taken me to court and now wants to foreclose. it has been unclear to me who the current servicer is even though I know that the companies are supposed to give notice when there is a change. I have also noticed that you have obtained a Consent Order against XXXX XXXX. I am nor sure where I stand regarding ether of these Court Orders. At a minimum, I believe that neither company has complied with the terms of the Court Orders. Can you please advise me where I stand regarding the XXXX Court Orders.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan with XXXX XXXX XXXX which was opened in XX/XX/XXXX. On XX/XX/XXXX I wrote a letter accompanied with bank statements to dispute payments that were reported as missed for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX through XXXX of XXXX. All of these payments were set up for recurring payments though XXXX XXXX XXXX when the loan was obtained. All of the payments were made on time. On XX/XX/XXXX at XXXX I called the XXXX XXXX MA location and spoke to XXXX regarding my dispute. She placed me on hold for over 20 minutes, then came back and apologized for the wait and stated that I could not dispute through them. She said I could only dispute through the credit bureaus, they do not handle direct disputes. I informed her that her the FCRA I could dispute directly with the creditor. She then told me that she would have another representative call me back. I never received a call back. On XX/XX/XXXX I received a letter stating that my bank statements were not sufficient evidence that the payments were made. The letter also stated that they could not update their incorrect reporting for 9 months. This has impacted my credit greatly and is affecting my life. This is also a violation of the FCRA and a violation of my rights.. My banking institution, XXXX  XXXX  XXXX only provides bank statements as proof of payments. I am requesting that the correct their inaccurate reporting for the months in question to paid on time as agreed, along with crediting to auto loan account for the over payments I had to make in XXXX and XXXX of XXXX. I was forced to may more than {$880.00} in order to avoid a repossession and end the harassment I was getting. I ask that the over payment be applied towards the principal of the loan.
Product: Checking or savings account

I walked into a branch to open a business account today. I was told by XXXX XXXX XXXX XXXX XXXX that there is confirmed fraud on my account and that it was scheduled to be closed, and I would was not welcome to open any accounts in the future. 

After calling the fraud department they said they had no clue what I was talking about and there was no fraudulent activity detected on my account at this time. 

At this point someone is guilty of induction of fraud by giving me false statements. I have not even received a debit card so there is no way that there is any activity on my account, let alone some confirmed fraudulent activity as XXXX XXXX stated. 

I feel that Truist Bank is harassing me with discriminating treatment. Its not fair that I cant have an account but other people can. Its also not fair that they are saying that my account is fraudulent when its not.
Product: Checking or savings account

Hi, I submitted an online application to open Citibank account ( Citi priority package which includes checking and savings account ) at the following url : https : //banking.citibank.com/XXXX XXXX Before applying, I called and asked Citi at their XXXX XXXX number that if I was eligible as a XXXX  resident to apply . I was told I was eligible. I provided complete information like SSN,  DOB , Dr Lic #, Employment details, Account and routing number to withdraw funds from to fund these new accounts, when I made the online application. 

On XX/XX/XXXX I received a letter from Citi stating the account could not be opened due to inability to verify information. When I called and asked, they refused to provide any information on what could not be verified or what was missing from the application. They were rude, unhelpful and the supervisor even told me to go to a branch in XXXX XXXX ( I live in XXXX ).  The supervisor name is XXXX, Team # XXXX at XXXX  call center. 

I am truly concerned that I have provided all this personal information and now it may just be used for nefarious purposes. Also, I am mystified why Citi is so unhelpful and rude and unwilling to tell me what information they are missing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXXXXXX Date opened XXXX XXXX, XXXX Balance $ XXXX Late Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Ive been disputing the inaccurate and Incomplete information for 10 months now. Ive ask the agencies to prove proof of verification and I keep getting a generic letter stating its been verified. The order Agencies found the problem and deleted the accounts from my credit report. i need to know how trans union method of verification?