23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I opened a dispute on XXXX/XXXX/20 with Citicard for charges for a rental home in Florida. The charges total {$20000.00}. The rental dates were XXXX20, and the rental was cancelled due to XXXX travel restrictions. 

The dispute numbers and amounts are XXXX : {$9800.00}, and XXXX : {$10000.00}. 

Since opening the dispute almost 7 months ago, we've provided full documentation to Citibank. The last written communication we received from Citibank was on XX/XX/20, stating that the dispute is still under investigation. Despite many calls to Citibank, we have not been able to get more information on dispute status nor expected end date. 

I'm attaching documentation which has been shared with Citibank, detailing timeline of purchase and dispute.
Product: Checking or savings account

My roommate pays me $ XXXX  monthly for rent, and has done so since XX/XX/2019. But for the last two months in a row, Chase Bank has placed a 10-day hold on her rent checks, forcing me to scramble when the rent comes due. When I contacted Chase to fix the problem, they would not tell me why the hold was placed, only that the funds weren't available yet and the rest was confidential. My roommate contacted her bank, and the funds went through within hours of the deposit being made in both occasions. Yet, Chase still will not release my money. I am frustrated and am wondering if this is even legal for them to do. Please help.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights according to 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. 


Account Name : XXXX Account # XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX Account # XXXX Furthermore, please provide the following : 1.The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3.The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Mortgage

I paid off my mortgage loan with Investors Bank on XX/XX/2020, but I have not received any documentation evidencing that the loans was paid off. I have not received the cancelled mortgage and/ or note or the release of mortgage lien documents. The Loan number was XXXX.
Product: Debt collection

I have disputed with the XXXX major credit bureaus online, verbally, and in writing related to negative items I believe are erroneous reported on my credit report. I have disputed the account information as inaccurate with XXXX, XXXX, and XXXX to send information that verifies the debt has not been paid. How is this possible? Under the consumer laws, I 'm unable to get them to send me a detailed invoice related to the amounts I owe. It 's very confusing as a consumer to continue to receive letter from several different collection agencies requesting me to pay the same debt for different amounts. I have uploaded the letter received related to a debt with XXXX, that 's been paid and resolved.
Product: Debt collection

Experian and XXXX removed the actual debit when the actual creditor had it due to identity theft I have a fraud and identity on my file and wasnt notify now a collection agency XXXX is trying to collect the actual debit that doesnt belong to me no one send me validation that I have a sign agreement or this is my account I change my address with the post office and thats how creditor and bureau are updating address information not because I updated them I want these false collection removed of my accounts the company is send me some one else account that I dont know
Product: Credit card

I have called Citibank several times regarding disputes XXXX and XXXX against XXXX, in addition to providing all the information they have requested in an incredibly timely manner. Three times I have been told that someone from Billing Disputes will call me within 24 hours, three times NO ONE called me. That is incredibly unprofessional. Furthermore, I still have not heard anything about the billing dispute in the amount of XXXX. 
When I look at my Citi statement, I see they provided a conditional credit of XXXX which makes no sense given that the amount in question is XXXX. It ca n't be because of the XXXX dollar XXXX credit that the store claims they gave me because in my first response to this dispute I shared that a XXXX dollar store credit is useless to me as that forces me to shop at the store and I might not need to shop there, and I am not going to buy textbooks I do n't need just to use a credit. That is not an acceptable. Also, if they read my communications I told Citi that XXXX will not let me make any purchases through their website while these disputes are pending, so even if I wanted to use the XXXX credit, I actually ca n't. Had they read my communications, that would all be evident, and they would realize that the XXXX credit is useless and the conditional credit should be in the amount of XXXX. 

I am really disturbed at the lack of attention to detail in these disputes, the lack of response despite Citibank promising several times someone will call me, and no one has and the repeated errors. I spent a lot of time gathering the information their request, I expect you will take the necessary time to read it. 

I gave Citi until Friday XX/XX/XXXX to respond to my last email in writing, either via email or by mail ( but i expect the letter to arrive by XX/XX/XXXX ) to address everything in my letter. No one responded in writing and the amount on the statement continues to be incorrect.
Product: Credit card or prepaid card

My name is XXXX XXXX. I am a new legal immigrant and I have had so much care about my credit score.  Right now, I am in a tough situation with Barclay 's bank an unsolicited bank tied to a Jet Blue credit card. Being overseas, I was surprised that they sent to my XXXX card a balance transfer of {$1500.00} that I never requested. When I realized about it, I called to XXXX and Barclay 's requesting to revert this transaction. I don't know why XXXX instead to return {$1500.00} to Barclay 's, they deposited in my XXXX account {$1300.00} with no explanation. I though that it was the amount for selling my car. I came back to XXXX on XX/XX/XXXX and I was surprised with calls from Barclay 's asking for the {$1500.00}. In the meantime, I sent to Barclay 's two checks. One for {$700.00} paying my airline ticket and other purchases, putting the balance in zero. The other check was for {$810.00} that Barclay 's returned to me with another check, and my sister deposited in my XXXX bank account. I have asked to Barclay 's if you say that I owe you {$1500.00}, why you returned to me {$810.00} in a check? They did not answer me. 
This morning, I received a call from Barclay 's Fraud investigation, and the woman who talked said that it was no fraud, because finally I received the money. So far now, that I unraveled the money between XXXX, XXXX and Barclay 's, I accept that this money that I never requested was in my bank account. Unfortunately, it is not longer there. However, it was a fraud of someone on Barclay 's who obligated me to get this debt. I have to return to XXXX next week and I want to solve this situation fairly. If Barclay 's is so desperately willing that I owe them money, it is okay. But the only way, that I can accept it is just a sum of {$1500.00}, no interests, no any kind of additional fees. They are charging me now {$1600.00}. As they wanted a balance transfer, it is Ok. Balance transfer are with 24 months no interests. I will pay the {$1500.00} in 24 months with no interests. Attached you can see all the letters sent to Barclay 's and they ignored me. Just today they called, because in the last letter, I copied to the credit card Bureau of disputes. Please help me to get solved this situation before my trip. 

Sincerely, XXXX XXXX ( XXXX XXXX XXXX I authorized to talk with my sister XXXX XXXX, because my English is under construction.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the misuse of my personal information that has led to false entries on my credit report. Specifically, I have identified inaccuracies related to a Landlord/Tenant civil court filing that I did not authorize or have any connection to. These entries are tied to the properties located at XXXX XXXX XXXX XXXX, XXXX, PA, and XXXX XXXX XXXX, XXXX, PA. 

I believe I am a victim of identity theft and was unaware of these fraudulent activities until I applied for housing with XXXX XXXX, only to be denied due to the negative impact these erroneous filings have had on my rental history. My only residence since XXXX has been XXXX address, and I have never received an eviction notice or any legal documentation related to the claims being made against me. 

Furthermore, I wish to bring to your attention that XXXX, XXXX, XXXX and the consumers reporting agencies has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ). They have not conducted a reasonable investigation of disputed information on my credit report, allowing inaccurate or unverifiable accounts to remain unresolved. This aligns with the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX, and all other third party agencies which alleges systemic issues such as the failure to forward consumer-provided evidence to furnishers, accepting unreliable responses, and neglecting to adequately inform consumers about dispute outcomes. Unfortunately, my experience reflects these failures ; despite providing evidence to dispute these inaccuracies, XXXX has neither corrected nor removed the false items from my report, which continues to harm my credit standing. 

The inaccurate information was reported on XX/XX/XXXX, and XX/XX/XXXX, and remains unresolved. I am therefore requesting immediate corrective action to remove or amend these disputed accounts, as these consumers reporting agencies inaction constitutes a violation of federal law and my rights as a consumer. I appreciate your prompt attention to resolving this matter.
Product: Debt collection

I just found out that Midland filed a court case against me. I was never contacted by them and I informed the bank that it was not my account as the address is different.
Product: Credit card or prepaid card

I have had a CHASE card since XXXX. The account was closed years ago and a payment plan was set up. The payments are automatically taken form my bank account every month. 
After several years, I need to reduce the amount taken due to financial hardship. 
Every month the new reduced amount is taken. This has affected my credit score dramatically. Suddenly, my score dropped and the CHASE card is stating I defaulted on payments. 
This is unacceptable given that I pay every month. 
Additionally, They state that a " cash advance '' was taken on this card and can not tell me the amount, in XX/XX/XXXX! This is the reason they gave for putting my card into a default status. 
I have never taken a cash advance on any card. 
I have asked for details and an investigation is open with CHASE. This negative reporting has caused incredible hardship for my personal and business life. 
I need help to resolve this. 
Thank you
Product: Mortgage

It is with great frustration that I am submitting this complaint. I have requested a loan modification twice with SunTrust to no success.. I am definitely not accepting their decision. They do not want me to appeal the denial. 
I feel their decision was based on incomplete or un-reviewed information. 
They have send me a list with various option indicating eligibility and ineligibility. I want my house. I am not accepting a deed in lieu. Why can they work out a plan that will allows to remain in our home. 
They have not consider the circumstance beyond my control. I was diagnosis with XXXX.. I was unemployed for a long period of time I had no other recourse than to request a work out plan from SunTrust Mortgage.. Refinancing not an option at the time. 
Our mortgage balance is more than what our home is worth. This situation cost me my job. 
Shortly after my personal life was like a turmoil.. It came down to where my wife and I separate it for a year due to this horrific situation. We have let Santrust know that thy have not helped us or done anything to help us. 

She now has returned home and contributes XXXX % to our household expenses We want to maintain our home. I really will like Sun Trust to consider my request. I have file an appeal. I have send all the documents required for a review. My wife " s income was higher for the year 2015 and will continue.. We are confident that we can take care of this mortgage as long as Sun Trust adjust my principal and interest and extended the terms of the loan. Please note that we are not looking to ignore our responsibility. Please help us out.
Product: Credit reporting or other personal consumer reports

I do not know these hard inquires so please remove these from my credit report. Thank you. 

XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion PXXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I am writing to file a complaint regarding an inaccurate late payment reporting on my credit reports by TD Bank. Specifically, TD Bank is reporting a 30-day late payment on my car loan in XX/XX/XXXX, which is not accurate. I have never been late on this account. 

On XX/XX/XXXX, I made a payment of {$390.00} to TD Bank for my car loan. However, the next statement generated by TD Bank showed a payment of {$390.00} was due on XX/XX/XXXX. I did a trade-in of my vehicle, a XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, in which the dealership was supposed to pay the payoff amount to TD Bank. Therefore, this late payment is not reporting accurately, as the payment to TD Bank was the responsibility of the dealership, not me. I drove off with a new car on XX/XX/XXXX. 

I have attached supporting documentation, including the statement from TD Bank showing the payment of {$390.00} I made towards the car note on XX/XX/XXXX, the statement from TD Bank showing a payment of {$390.00} due on XX/XX/XXXX, and the sales contract for the new car, dated XX/XX/XXXX, which includes additional details regarding the vehicle trade-in.
Product: Debt collection

I was notified from my father that a notification that a civil suit was filed against me and the letter was placed on his door. I no longer lived in XXXX and lived in XXXX, I called the XXXX County small claims court on XXXX/XXXX/XXXX with the case number provided by my father to inquire about the suit and learned that it was filed by XXXX XXXX XXXX for a debt. In informed them that I was no longer a resident there and lived in XXXX, Indiana. They informed me they would let the filer of the suit know. 

I then ran my credit report to get the contact information from the XXXX XXXX and called the debt agency around he date of XXXX/XXXX/XXXX to attempt to resolve the issue. There were 2 debts listed. They informed me that they could not speak with me about the debt and I would have to contact Attorney Office XXXX XXXX XXXX who was handling both debt accounts. I contacted XXXX XXXX XXXX and had to wait until the account owner contacted me back to attempt to resolve the issue. The account holder contacted me and was extremely hostile stating the implications of not paying this debt. He stated that if I allowed this to go to court I will likely have to pay the current owed balance along with interest and penalties. Being that I was trying to resolve this issue, the threats did not make communication easy. 

I had not received a statement from the original debt owner nor had I received any communications from them in over a year so I was unaware of the balance they determined I owed. I asked him if he could mail me copies of what was determined that I owed and that they would be forwarded to my new address. I never received those copies of the statements. I received a notification from my credit reporting agency that the 2 accounts were being disputed. I had not filed a dispute on these accounts so it was a surprise to me.

My father contacted me to inform me that a Sheriff came by to serve a me with paper for again but I had already informed XXXX XXXX XXXX as well as the county court office that I no longer resided there. 

I attempted again to contain Midland to negotiate a settlement and was told again that they could not talk to me about the debt. Communications with XXXX XXXX XXXX are not possible after the hostile interaction. I have no documents related to this debt so I can not validate what it is saying I owe. 

I looked into both suit fillings today and both were DISMISSED without prejudice because I have moved. Dates of dismissal XXXX/XXXX/XXXX and XXXX/XXXX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below. As a victim of a data breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ) to have these unauthorized items removed from my credit file. 
Fraudulent Accounts : 1. XXXX XXXX XXXX - Account : XXXX - Date : XXXX XXXX - Amount : {$2100.00} XXXX. XXXX XXXX XXXX  - Account : XXXX - Date : XXXX XXXX - Amount : {$640.00} 3. XXXX XXXX XXXX - Account : XXXX - Date : XXXX - Amount : {$1800.00} 4. XXXX XXXX XXXX - Account : XXXX - Date : XXXX - Amount : {$670.00} 5. XXXX XXXX XXXX - Account : XXXX - Date : XXXX - Amount : {$1500.00} 6. XXXX XXXX XXXX  - Account : XXXX - Date : XXXX - Amount : {$260.00} 7. XXXX XXXX XXXX  XXXX - Account : XXXX - Date : XXXX - Amount : {$430.00} 8. XXXX XXXX XXXX XXXX - Account : XXXX - Date : XXXX - Amount : {$0.00} Fraudulent Inquiries : 1. XXXX XXXX XXXX XXXX XXXX : XXXX 2. XXXX XXXX XXXX - Date : XXXX 3. XXXX XXXX - Date : XXXX 4. XXXX XXXX XXXX XXXX XXXX : XXXX 5. XXXX XXXX XXXX - Date : XXXX 6. XXXX XXXX XXXX - Date : XXXX 7. XXXX XXXX XXXX - Date : XXXX 8. XXXX - Date : XXXX 9. XXXX  - Date : XXXX ( listed twice ) 10. XXXX XXXX XXXX - Date : XXXX 11. XXXX XXXX - Date : XXXX 12. XXXX XXXX XXXX XXXX - Date : XXXX 13. XXXX XXXX XXXX - Date : XXXX
Product: Bank account or service

Bank of America ( possibly other banks ) use antiquated timeframes for transactions to clear my checking account when using my debit card and/or routing number with bank checking account number as an electronic funds transfer/transaction forcing me to wait XXXX hours or as many as XXXX hours to show online and deducted from my available balance. This causes me to waste my own personal time, which is money, and my ability to enjoy my life, pay for items I need such as food, transportation and clothing. Think about it, before I can conduct a transaction the cashier or online website must contact the bank to verify I have the funds to complete a transaction in seconds. However Bank of America does n't have to show it online in my bank account for 1, 2, 3 or more days, possibly 5 business days ... how is this even legal in the digital age? If I am using an old fashioned method like a paper check maybe, but even then the casher runs my check through an electronic machine to verify I have the funds ... then why are n't banks like Bank of American required to show the amount verified and reduce that from my available balance immediately? We consumers need this and in this digital age we all know it is possible. For example, when I pay my XXXX cell phone bill it clears my Bank of America account almost immediately ( less than XXXX minutes online with my checking account ). Why do n't all my electronic transactions clear like this, there is no reason other than Bank of American holding out as long as possible to post the transaction to earn interest on millions of account holders or worse to cause us to forget we made that transaction so we have to go into overdraft and pay {$35.00} in overdraft fees, or even worse still up to {$100.00} in fees if there are insufficient funds and both Bank of America and the vendor I was trying to make a purchase charge me $ XXXX {$35.00} insufficient funds charges and still do not pay for the transaction! I need someone like the CFPB to make sure Bank of America makes all electronic transactions " electronic '' and in " real time '' like my XXXX online payments to clear and post within XXXX minutes not 1-3 days. This is costing me time and money, it is wrong in todays world. If my account can be verified for available funds in seconds then when that same transaction is completed that must appear as reduced from my account at that moment not 3-5 business days later.