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

On XXXX XXXX I initiated a wire transfer of {$6000.00} from my Citigold account to my account at XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. This is the partner bank to my bank in XXXX, XXXX, XXXX. I own a home in XXXX and spend the winter there. I received notification of a " fraud alert '' on the wire transfer and that it was under review for 24 to 48 hours. About 12 hours later, I received an email stating that my online access to my Citigold account was on hold. Shortly thereafter, I spoke with my wealth manager at Citigold who did an investigation. He told me that a " hard closure '' of my account had occurred and that he could not speak to the fraud unit that had closed my account. I have heard from the Citi Executive Response team that they have until the end of XXXX to distribute the funds in my account ( approximately {$13000.00} ). I have no access to my bank records or Citi credit card. I do not know what bills have been processed or what monies received. 

I believe the fraud alert was triggered by my initiating the wire transfer from my computer in XXXX. I understand the need to monitor these sorts of transactions. However, no one contacted me to ascertain my circumstances. I have just been victim to the bank 's algorithms. This situation has been written about in the 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. Frankly, this is a grotesque way to treat customers, especially one who has been with the bank for over XXXX years ( and at the elevated " Citigold '' level ).
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently reviewing my credit reports I discovered that your company is inaccurately reporting unauthorized inquiries to the credit bureaus. 
Pursuant to the Fair Credit Reporting Act ( FCRA ) the only permissible purpose for pulling a consumers credit is : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order I did not grant you  authorization to review my credit report. 

The Fair Credit Reporting Act requires that a creditor verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of any credit application authorizing the disclosure of my credit reports with my signature, I will accept the inquiry. 

If a signed authorization can not be found please DELETE any/all inquiries from my credit reports that you're inaccurately reporting to the credit bureaus. 

The presence of any inaccurate information can adversely affect my credit and its reporting is a violation of the FCRA. Furthermore, it is impeding my ability to obtain necessary credit. 

Please mail me a verified copy of the signed application or a letter indicating your intention to delete the inquiry. 

Note : Verification in the legal context refers to a declaration under oath or upon penalty of perjury that a statement or pleading is true. 

As time is of the essence I hereby request your prompt attention and assistance in resolving this matter. 

Date of Inquiry in question : XX/XX/2020
Product: Credit reporting 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$1300.00} XXXX XXXX  XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX  XXXX Balance : {$5000.00} XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$2400.00}
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid down debt, and had an error corrected that XXXX XXXX put on concerning a mortgage I have I had in forbearance reporting incorrectly. The scores stayed the same. I believe these private reporting companies keep scores down to sell their high interest credit cards and loans, etc as they make suggestions for these entitie My scores were at XXXX now at XXXX XXXX, here 's your credit snapshoXXXX XXXX XXXX Learn more Experian Data XXXX XXXX XXXX 2021 XXXX Fair XXXX Credit Usage
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern : My name is XXXX XXXX and I reside at XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. All three major credit bureaus - XXXX, XXXX, and TransUnion - are inaccurately reporting a {$1900.00} account for " XXXX All Goods XXXX that I did not open or authorize. 

I have never had any financial account or business dealings with XXXX. However, this fictional debt continues to appear on my credit reports and severely damage my credit score. 

I have disputed this account in writing with all three credit bureaus multiple times, most recently on XX/XX/2023. However, all three have failed to reasonably investigate and remove the false information as required by the FCRA Section 611 and Section 623. 

This appears to be a violation of the Fair Credit Reporting Act and Section 15 of the Fair Debt Collection Practices Act regarding false and deceptive information. Despite my disputes, the credit bureaus and this furnisher refuse to correct this. 

I request the CFPB open an investigation into the credit bureaus noncompliance and require the immediate deletion of this inaccurate XXXX tradeline. Please contact me at [ phone number ] to discuss this issue further. Thank you. 

Sincerely, XXXX XXXX
Product: Mortgage

We purchased our home in XX/XX/XXXX and our mortgage was {$130000.00} with XXXX XXXX. in XX/XX/XXXX I lost a good job and we missed a couple payments and did a modification with XXXX to keep our home. in XX/XX/XXXX we received notice that our mortgage was sold to NationStar which is now operating as MR.COOPER. From the beginning it has been difficult being a customer of theirs. We have had to modify our mortgage with them last year due to my lack of ability to keep consistent employement. Long story short we were forced to sign a modification with them last year or lose our home as they put it. Our " modification '' is for {$140000.00} I have paid 10 years on a mortgage and owe more now than the day i purchased the home, i missed maybe 12 payments in 12 years, payments have always been around {$1300.00} monthly between both companies and our taxes are escrowed in our mortgage. Regardless, I have paid almost {$170000.00} of the {$180000.00} that I should have paid, but due to being out of work twice in the last 7 years and needing a modification I owe more now than in XX/XX/XXXX when we signed the XXXX XXXX  mortgage.
Product: Credit card

I have used the card and paid it off multiple times and the company refuses to give me a respectable increase in limit. I was told that when i opened the account i could easily double my limit within 6 months which has not happened
Product: Mortgage

Green Tree took over my account servicing from XXXX in XXXX 2013. I have had nothing but problems with them. 
Last year, they forced me to pay extra into escrow, even though I provided information that I did NOT owe that money. They did refund the extra at the end of the period. In fact, I complained to cfpb about them at the time. I got a response from you that Green Tree was '' researching '' the complaint, and never heard from you again. 
THIS year, they stated that my escrow was low {$1400.00}. My taxes AND insurance only went up about {$500.00}, so I do not know how they came up with {$1400.00}. I have written them XXXX times and get nothing sensible back, and they take XXXX weeks to respond. I paid {$1000.00} into escrow. They increased my payments anyway, and XXXX letters later, I finally paid the {$460.00}. They still demand the higher payment. Well, in fact, they now DO NOT SEND my statements. Twice they sent responses with attachments but the documents were NOT included. 
I have had no statements for XXXX, XXXX, and nothing now for XXXX. Their " representative '' called me at the time I sent in {$1000.00} and started yelling at me. He would not listen to anything I had to say. I refuse to call them. I write everything. 
I need my payments set right, and I need my statements. 
Green Tree is not responsive to customers. They have not been answering my letters and they are purposefully not sending my statements, because I have been receiving other mail XXXX HARP refinance, which is probably required by the government ) from them.
Product: Vehicle loan or lease

am filing a formal complaint against Toyota Motor Credit Corporation and its affiliate Lexus Financial Services for failing to resolve a XXXX loan on my vehicle despite clear evidence, including a Form XXXX issued by XXXX XXXX XXXX XXXX 

Background Information Loan Holder : Toyota Motor Credit Corporation XXXX XXXX : XXXX XXXX [ XXXX ]XXXX XXXX  [ XXXXXXXX XXXX  ] Date of Discharge : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Form XXXX, indicating that the loan was XXXX in XX/XX/XXXX. XXXX XXXX  XXXX XXXX XXXX ( XXXX ) also reflects a XXXX balance for the vehicle title. Despite these facts : Lexus Financial Services continues to assert that I owe this debt and has failed to release the title. 
Repossession attempts are ongoing, causing undue stress and financial hardship. 
Both XXXX and XXXX continue to report this XXXX debt as active to major credit bureaus, damaging my credit. 

Efforts to Resolve the Issue My attorney has formally contacted both XXXX XXXX XXXX and Lexus Financial Services to resolve this matter. They requested : Issuance of a clear title. 
Immediate cessation of all repossession actions. 
Accurate updates to the credit bureaus reflecting the XXXX status of the debt. 
Despite providing the necessary documentation, including the Form XXXX, Lexus Financial Services XXXX XXXX insist that I owe the debt, in violation of federal laws such as the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ). 

Impact on Me as a Consumer The inaccurate reporting and repossession attempts have caused : Significant damage to my credit score. 
Emotional distress and financial insecurity. 
An inability to obtain financial products due to the derogatory mark.
Product: Credit card

I purchased a Laptop from XXXX and at the time of purchase, XXXX had or still have financial options and Barclay visa card was the option so, I applied for the credit card, got approved but Barclay had a not interest if paid by certain date and now Barclay is charging me all the interest accrued from day one but, the balance from that particular purchase was way down and I feel Barclay should only charge interest for the remaining balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Payments made to Nelnet are not being processed nor is the amount owed being updated to reflect the payment. Their own policy states this will be completed within 48 hours. Its been over a week, and the payment is processing. Cant get anyone to answer a call, Ive been on hold for almost 3 hours.
Product: Bank account or service

I bi-weekly send my bank deposits from my wife 's account, and it takes forever ( five to nine days ), for my account to be credited. Well, you can guess what happens in the mean time. While they do pay checks I 've written, I get charged {$35.00} for each check processed and this can devistate my account. I 've checked my wife 's account the next day and find the funds have been deducted. If this is done on a Friday, they will take until the following Thursday to credit my account. This goes on even though I get bi-weekly deposits from XXXX, and monthly deposits from XXXX. This last credit took nine days for them to process, and credit me. By the way the bank is HSBC, having bought XXXX XXXX Bank that I was originally with, since XXXX! If I did n't live in a state where they have no branches, I could walk into a branch, have the manager o.k. the check and get immediate credit for deposit. The checks I send them have never been returned! Never! How do they get away with this?
Product: Debt collection

I have made numerous attempts at reaching Money Lion, so many Ive lost count. Ive also attached a copy of my phone records and highlighted each attempt made, with no resolution. Under-stably coronavirus has delayed a lot, and with that comes long hold times. However Money Lions hold times are unbearable. To that end, Ive attempted to chat in and receive assistance with my account to which they conveniently turned the chat option off and advised customers to call in. My issue is that Ive tried to update my payment method for my {$21.00} payments to be withdrawn from and have had no success. Their app has been formatted to make you call in for assistance if you havent made a payment within at least a couple days of your scheduled payment date. I finally get in touch with someone, and get my payment updated and my payments withdrawn. Money Lion in turn reported me 30 days late on a payment, which is completely  false! If they have representatives working to report to the credit bureaus late payments then they should have no problem hiring more associates to pick up their phones. The representative I spoke with sent me a template that offered no solution and I requested a supervisor. The rep advises the supervisor will reach out within two days. Four days go by and I reach out yet AGAIN via chat, to have a paper trial of this entire fiasco. The rep then tells me another supervisor will follow up which Im stuck waiting again! A supervisor by the name of XXXX reaches out, and repeats exactly what the first rep told me. No initiative put in to address my concerns, didnt look into anything, just a simple copy and paste of exactly what the first associate stated. The disturbing thing is how they have my old account listed on the payment history, but they magically got the correct debit card number on file to draft my membership fee from in XXXX. This business has the most deceptive practices known to man. An investigation needs to be launched into how they operate. They reported me 30 days late for the amount of {$80.00} however I only pay {$21.00} every two weeks. Therefore the amount technically speaking would be for {$40.00}. Customer service is just there, they serve no real purpose. Supervisors dont supervise anything, they just reiterate what a precious representative below them advised. Ive requested an executive member to reach out to me in three separate emails and the supervisor XXXX has made every attempt NOT to get me connected. So XXXX XXXX cant assist me with my issue, but also cant connect me with an executive. It is my sincere hope to have my concerned addressed with the proper attention.
Product: Credit card or prepaid card

Set up a plan with XXXX XXXX XXXX ( XXXX ) for my Best Buy Credit Card. 
Thought everything was clear and I was already paying extra to ( XXXX ) I thought my automatic payment would stop and I would stop. 
I was billed by an automatic paymen. 
I called Best Buy for the reimbursement they stated it was against the law for them to reimburse. 
I mentioned that a payment would be posted soon. 
They said that they could not I asked for reason along with documentation showing where that it states that its against the law. 
They told me they did not have time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$3500.00} on XXXX XXXX, original creditor RISE CREDIT OF TENNESSEE account number XXXX. ( Please see pages attached from my credit report, as well as a copy of the contract from XXXX. ) The interest rate being charged on this loan is over 198.9675 %, and this is PREDATORY LENDING to say the least!!! The Federal Loan cap is a maximum of 28 %! Payments Ive made have not been applied correctly to this account and consequently the balance reporting is wrong. Also, this incorrect reporting of a collection/chargeoff is seriously harming my credit score and this account needs to be removed and/or updated to report accurate information. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a notice that the Experian Consumer Agency Corporation has violated my consumer rights 'Under 15 U.S.C 1681b2 because I did not give written instruction for Experian Corporation to report any of my private information. why do yall ( Experian ) have a report and file on me? without my consent? without my written instruction? Delete this Account XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, I recently reviewed my credit profile and saw that an account was unlawfully added to my credit profile without notification. I am attaching this dispute to XXXX, XXXX, and Transunion so that these account ( s ) can be removed immediately. They have impacted me and my ability to proceed with expanding my business and achieving my personal goals in life. 

I ask that these accounts be blocked and/or deleted from my consumer profile immediately.
Product: Credit reporting or other personal consumer reports

I am disputing these accounts on my credit report due to information being inaccurate and not correct, I am requesting for validation of these debts that I have never received and for these accounts to be verified in writing to me with correct amounts and dates or to be deleted from my credit report thanks, I will be uploading documentation
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX are violating my consumer rights by reporting incomplete, inaccurate, and authorized information. The Fair Credit Reporting Act clearly states that the credit reporting agencies have a duty of reporting information that is 100 % accurate or else they are civilly liable. I need all inaccurate, incomplete and unauthorized accounts removed immediately. Under penalty of perjury, I swear these accounts are false and misleading and are a result of the XXXX XXXX XXXX, the Transunion Data Breach, and XXXX XXXX Breach. Remove all accounts immediately! This is a Direct Violation of The FCRA by Reporting falsely
Product: Credit reporting or other personal consumer reports

I recently received notification that my complaint was closed without any further resolution. This outcome has left me disheartened, as I believe a more thorough examination of my concerns is necessary. In a situation where inaccuracies impact one 's credit report, it is only fair to expect a diligent and comprehensive resolution.
Product: Credit reporting or other personal consumer reports

This evening, I discovered some unauthorized inquiries on my credit report, and I have no idea how they got there. As part of my regular routine, I checked my credit report, but this time I found unexpected discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but nothing changedthe unauthorized inquiries remained. This issue is deeply concerning, and I'm requesting a thorough review of the documents I've sent to ensure I can finally stop worrying about this.
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 accounts 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 accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX