23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I sold a couch to XXXX in XXXX for {$350.00}. He told me his company promoted him and he was moving to XXXX. He sent me a a company check ( XXXX XXXX XXXX is the company ) via email for {$1500.00} and asked me to XXXX XXXX {$1100.00} to his movers so they could pick up the couch from me, which I did AFTER the check cleared with my bank, Citibank. A few days later, he sent me a 2nd check for {$1800.00} and asked me to XXXX XXXX {$1700.00} to his movers for additional moving costs, and keep {$75.00} for my inconvenience -- which I did AFTER the check cleared. A few days later, he sent me a third check for {$4500.00} which he claimed was his remaining moving bonus, and asked me to XXXX transfer {$4100.00} to him and keep {$400.00} for all my troubles. I waited for all 3 checks to clear and the funds to be made available in my checking account before making the XXXX transfers, and was assured by my bank ( I called Citibank 3 times ) that the checks were 100 % good to go/spend. A week later, the {$4500.00} was void, followed by the {$1800.00} one. Now, I have lost a total {$7000.00} of my own money via these XXXX transfers and my bank does not claim any responsibility. 
On XX/XX/XXXX, I called Citibank a total of 3 times -- spoke to 2 different customer representatives AND a fraud specialist, and all 3 people assured me that the 3 checks I received were good to go and that they would not bounce at a later date. On XX/XX/XXXX, I physically went into my neighborhood Citibank branch ( XXXX XXXX ), told her the situation, and she assured me that Citibank is good at detecting fraudulent checks in a max time of 5 business days. It had already been 5 days since I deposited my checks, so I was assured that the checks were solid yet again, and she said worst case scenario if the checks do bounce, Citibank would take care of me. On XX/XX/XXXX, the exact scenario that all 4 Citibank reps assured me wouldn't occur happened -- the {$4500.00} was made void, and my account was overdrawn. Days later, the {$1800.00} was void. I filed a dispute with Citibank, which was soon denied because they claimed that I " authorized the XXXX transfers '' -- completely missing the point that the transfer were in fact NOT authorized by me. They refused to investigate the misinformation that was provided to me by Citibank on 4 occasions, and refused to take any action to assist a long-time ( 15 year ) XXXX customer. I even escalated my dispute to Citibank 's " Executive Response '' unit, who also denied my claim on the basis that I am responsible for deposits made to my account. I feel completely robbed, as Citibank will not take any responsibility for misinformed and misleading reps, leading me into a scam in which I've lost more that {$7000.00}. I am seeking any help/reimbursement I can get in this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX, XXXX, equifax has violated my federally protected consumer rights to privacy and confidentially under U.S.C 1681.

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses and phone numbers do not belong on my credit report. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name XXXX XXXX XXXX
Product: Credit reporting

Listed on my credit report is a XXXX account which all XXXX credit companies claims was updated and verified on XXXX/XXXX/2017 I called XXXX and they stated that there is no account listed under my social security number. name and or date of birth which means they are fraudulently reporting incorrect information on my credit report, I am requesting a removal with in 15 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

yes i have tried to get these fraud accounts remove from my credit report
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had 1 late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( insert date Always add month and year ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my reports that can not provide proper debt validation based on sec 609 and 623-b of the fcra and 807-8 of the fdcpa and is affecting my financial well being and overall standard of life and it could lead to civil to litigation
Product: Credit reporting or other personal consumer reports

My Hilton Honors account was compromised in XXXX XXXX due to fraudulent activity. I called Hilton Honors customer service to report the missing XXXX points and the blocked access to my online account. Customer service stated that my account was hacked. They took a few months to investigate the situation and restored my points in XXXX XXXX but my online access had not been restored. I called Hilton Honors customer service numerous times asking for assistance with requesting a new online password, but it was discovered that I was not getting any emails from Hilton Honors. Customer service stated that my email address was blocked when my account was compromised and that I needed to email the fraud department for assistance. I emailed the Hilton Honors fraud department twice in XX/XX/XXXX and as of today, I still dont access my online account. 

Hilton Honors unwillingness to resolve my online access leaves my account vulnerable as my points could be stolen again and confirmations could be redirected to someone elses email address. 

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

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXXwww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX 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 rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked company to investigate account to make sure everything is 100 % accurate. 
Company is still reporting inaccuracies on my credit report causing me harm. I wont account deleted immediately. 

Account : XXXX XXXXXXXX ACCOUNT NUMBER : XXXX 1, On XXXX, XXXX Transunion reported 30 days late, but on XXXX, XXXX XXXX reported OK ( paid ) 2. On XXXX, XXXX Transunion reported 30 days late, but on XXXX, XXXX XXXX reported XXXX ( paid ) 3. On XXXX, XXXX Transunion reported 30 days late, but on XXXX, XXXX XXXX reported XXXX ( paid ) 4. On XXXX, XXXX Transunion reported 30 days late, but on XXXX, XXXX XXXX reported XXXX ( paid ) 5. Transunion also reported that last payment made was on XX/XX/XXXX, But how is that possible when XXXX reports payments for XXXX, XXXX, and XXXX of XXXX Enclosed is a copy of this account with inaccuracies, who is correct, Transunion or XXXX? Delete this account it is not 100 % accurate according to The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Conformation # XXXX I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of FCRA-they are required to " promptly delete all information which can not be verified '' that  i have disputed. please resolve this manner as soon as possible. Thank You
Product: Mortgage

I originated a mortgage loan with XXXX XX/XX/XXXX maturing XX/XX/XXXX.The loan was taken over by Wells Fargo Bank which insisted on payments to be made across the country and would not accept payment at their local branches. I found this policy to be extremely inconvenient and accelerated the repayment over the next 10 years. A large principle payment was recently made leaving a small principle balance remaining. I received an unsolicited payoff demand from Wells that accelerated the loan thus violating the remaining term of our agreement. It further demanded a payoff fee of 8 times the customary cost associated with a reconveyance of the loan and demanded immediate payment by wire transfer at an additional expense to myself. While I paid the remaining principle balance plus interest due I did not include the invisible payoff fee. I consider the fee to be outrageous and would like to see it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My lease agreement was for 18 months with a co-signer, XXXX XXXX. Payments were due on the XXXX of each month, and occasionally, I would miss the XXXX grace period to avoid late fees due to my pay schedule. Thus, when I made a payment of {$580.00}, which includes {$550.00} plus a {$30.00} late fee, Nissan did not credit my account accordingly. According to the end-of-lease liability statement, Nissan claims I still owe {$240.00} in late fees. Since they will not provide a payment history, I suspect they are mishandling my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you to request the removal of inquiries on my credit report. I have reviewed my credit report recently and have noticed that there are several inquiries that I do not recognize and that were not authorized by me. Below, I detail the information necessary for them to process my dispute request. 

The inquiries in question are the following : XXXX XXXX XXXX  ( XX/XX/2022 ) XXXX XXXXXXXX ( XX/XX/XXXX  ) XXXX XXXX ( XX/XX/2022 ) I am not aware of these inquiries and do not believe they are legitimate. Therefore, I request that they be removed from my credit report as soon as possible. 

I am attaching to this letter a copy of my credit report showing the inquiries I am disputing. I have also highlighted the inquiries in question in the attached copy to facilitate their identification. 

I appreciate your attention to this matter and hope that I can resolve this dispute in my favor. Please let me know if you need more information or documentation from me
Product: Credit reporting

Hello My name is XXXX XXXX I have XXXXitems that have been removed from Equifax Credit report my Equifax credit score report is only reporting XXXX removed this is error all XXXX items that have been removed should be reflecting on my Equifax Credit Score not just XXXX .I 'm in the process of buying a home and ca n't because Equifax is n't reporting these items this needs to be fixed as soon as possible. 

Thanks XXXX XXXX
Product: Checking or savings account

The company MoneyLion closed my checking account without notice or any emails notification! and told me I would have to contact the originator of the funds, MoneyLion doesnt give me any more information about if and when the funds will be released to the originator or myself!!! There is currently {$5800.00} on hold!! when I speak to the originator they act clueless to the situation!! I feel like MoneyLion is scamming me and I want justice for the whole situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

i : reported identity theft of my name and social security number to Police as well as to FTC, see attached. XXXX XXXX XXXX ( XXXX ) seems to have hired robo signers and others to forge my signature on a fabricated note and claimed that i : borrowed monies from it, when i : never did. i : demanded numerous times from XXXX XXXX XXXX to make the presentment of that promissory note that it claimed i : signed [ when i : never did ], while XXXX XXXX XXXX and its Agent ( s ) Principle ( s ) Co Parties claimed that XXXX has in its possession the promissory note that i : allegedly signed, but it never did present that to me. Through extortion and racketeering acts and coercion, i : was forced to sell my unique private property, the alleged servicer Select Portfolio Servicing stole my monies from the proceeds of the sale and is refusing to return my monies. In addition, later i : found out that after the close of escrow, XXXX XXXX XXXX and its co parties agent ( s ) principle ( s ) have sold my note to other entities, as of almost 1 year ago [ the date that i : researched it using ABSNET ], it shows that i : owe in excess of {$120000.00} to unknown entities even though XXXX XXXX XXXX/SPS has filed for release in county recorder due to their being paid in full [ which is really theft of my assets ]. So not only, they are not returning my monies at TILA section 1635 et. seq, indorsed by all three branches of the government to wit : by the president, the congress and the SCOTUS unanimous decision : XXXX v. Countrywide Home Loans Inc., XXXX XXXX XXXX XXXX XXXX Cir. XXXX XXXX cert. grantedXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX Docket No. XXXX SCOTUS Unanimous decision XXXX XXXX, XXXX, Author : XXXX XXXX XXXX, Reg. Z. by Federal Reserve, 12 CFR 226.15 ( d ), ( 1 ), ( 2 ) and ( 3 )  but also it seems that they have sold my note to other parties and claiming losses on those to obtain additional default insurance from various insurance companies while claiming that the alleged loan was paid in full when my home was sold, they recorded that closure in county recorder, on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case remove off my credit report I also sent in certified mail I didn't get no response im asking for this to get remove off my credit im trying to buy me a house and this is stopping me
Product: Credit card or prepaid card

I received a credit card associated with promotional rate ( no interest ) if paid off within 18 months. I made payments that were substantially more than the minimum payment. No credit was applied to the minimum payment for the next month. The company charged me a late fee when a minimum payment would not be due. They did remove the charge from my account when I called and insisted. During the call the customer agent told me that I had to specify in my payment to pay off the late fee. The late payment was listed on my bill as a promotional fee, but on the customer agent screen she states that it was listed as a late fee. Synchrony is  charging a late fee in spite of a payment made that would cover the minimum payment for the next 3 months. They are cheating unsuspecting customers with a bogus late fee when they should not be charging a late fee due to a previous substantial payment. The late fee should be listed as a late fee. I made a payment on the XX/XX/XXXX of the month and the customer agent told me that my payment was late despite making a payment early on the XX/XX/XXXX of the month before. The scheduled payments are made on the XX/XX/XXXX of the month. They are attempting to charge a late fee even when additional payments are made to the account and a payment falls after the stated due date. I closed this account. I hate credit card companies who nickel and dime customers attempting to pay off these accounts ahead of time. Consumers should be warned about these predatory practices from Synchrony.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : 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 : [ REGIONAL ACCEPTANCE CO ] [ XXXX ] XXXX : [ REGIONAL ACCEPTANCE ] [ XXXX ] XXXX : [ REGIONALAC ] [ XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion over a period of one year, starting in XX/XX/XXXX, dozens of times by mail and phone. I initially received 20+ letters stating " Unable to locate Credit Report, '' which is odd because they provided credit scores, and I was being denied credit with Transunion listed as the CRA . After sending my information to them many times, the same situation continued. In the hundreds of hours dedicated to this problem, I finally noticed a social security number with two digits transposed in an old credit file from XXXX. 

After multiple calls and verifications again, Transunion finally " found '' my credit file and said they would mail it to me. I received a letter requesting confirmation of proof of my social security number and proof of date of birth, Again. When I finally received my first copy of my Transunion Credit file 14 months after the first request, in early XX/XX/XXXX, I found seriously inaccurate information. Paid and closed school loans over {$100000.00}, and much more. I was told that I could dispute one item at a time, and when it was resolved, I could move to the next item. There were nine school loans alone. Unsatisfactory. I spoke to a supervisor and told him I would be disputing all of the fraudulent information immediately. The failure of Transunion to accept that would be met with a flurry of lawsuits. I asked him to transfer me to their legal department if the proposal I was offering was untenable. We resolved most of the discrepancies by the end of XXXX. 
Now, ready to view my credit file online, I was denied, again and again. I got the special department, who admitted it was an error on their part, and as of Thursday, I had a phone message stating it was resolved, and I could see my credit file online. No joy. I have uploaded a screenshot of the garbage I have been getting for 15 months. They deserve a series of lawsuits by my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX But, I have always gotten a resolution through CFPB, and that is why I am writing XXXX you tonite at XXXX am.
Product: Checking or savings account

I received a letter from SUNTRUST, XXXX XXXX XXXX, XXXX, GA XXXX CENTER XXXX referring to " a hold during review of recent deposit ( s ) ''. I DO NOT, REPEAT, DO NOT HAVE ANY ACCOUNTS OR OTHER FINANCIAL RELATIONSHIPS WITH SUNTRUST. I sent the company a letter to the address provided stating this.