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

XXXX, 2018, I had a paid off and closed my Citibank credit card. In XXXX, 2018, I was alerted that XXXX XXXX had charged me {$10.00} on my closed credit card. It was a fraudulent charge so I contacted Citibank they put me in touch with their fraud department, they asked me to call the XXXX XXXX phone number on my statement to refund and don't charge my account anything. XXXX XXXX  refunded the {$10.00} I spoke with Citibank they confirmed it was refunded but admitted that XXXX charged me again under a different XXXX name and Citibank paid them after I was in a fraud alert discussion in progress. The next month they charge me a late fee. I called them again and they said they would remove it and continue the fraud investigation. The next month I had two months worth of late fees and they said they would remove them. They admitted they had not given the information to the other branches of their organization to not charge me. The next month I was reported to the three bureaus for 60 days past due for paying the late fees they informed me they were and would be removed. I called them again about fear of this error showing up on my credit report. They informed me that it had already happened and they could not reverse the 60 days past due reported to the three credit bureaus. They said I would have to do it. I have been Out of Country for three weeks on vacation, and am now starting the process of repairing Citibank 's error and negligence. I need it repaired immediately fore I am self-employed and my business requires bank loans and secondary market loans for Construction Loans to build Spec home in process to sell and make an income. I am so furious with Citibank and their negligence and the time and delays on obtaining descent Loans that I deserve for having such great credit and repayment on time for thirty-eight years of reported credit!

I have previous statements showing interest charged on fraudulent activity and late fees and where the fraudulent company refunded yet citibank charged me interest and late fees when under investigation. 
I asked citibank to reverse and fix my credit report due to there neglect and they refused and told me to call and dispute it when they knew they were at fault. 
I was on a recorded line on citibank each time I called and they have the recorded conversations.
Product: Debt collection

I sent several letters asking for debt to be verified and they have not done so they just sent a group of papers saying it was from XXXX  I am currently paying XXXX XXXX a month So what could I owe. Looks like a form letter for response. They still have not answered my emails and they say this can be a amicable solution?
Product: Debt collection

I received a letter dated for XX/XX/XXXX from : XXXX XXXX XXXX XXXX stating I owe a debt that was already disputed and removed from all credit bureaus wrongfully reported by XXXX XXXX XXXX on XX/XX/XXXX. 
I immediately within 24 hours sent this current company a certified letter requesting a complete Validation and NOT Verification.

I then received and additional notification three days later requesting payment for a unverified debt from XXXX XXXX XXXX XXXX without a specific date letter was produced. 

I am requesting that XXXX XXXX XXXX XXXX. Provide me with the original bill and not a bill designed by their standards. Please provide the Original billing documents uploaded on the CFPB platform for review. 

I repeat, do not send to my address, please upload on this website for review.
Product: Credit reporting

Inaccuarate information is on my credit report and information that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint against TransUnion on XX/XX/2021 because incorrect and outdated negative information was being reported by TransUnion even after I provided supporting documentation. A supervisor even admitted that they had received updates from the lender to delete the information but refused to do so because of a unrelated pending dispute. 

Part of the original complaint was that TransUnion was factoring a paid collections account into my VantageScore 3.0 in direct conflict to information regarding the scoring model on their website and listed on various other consumer sites. 

Today after positive information was added regarding my newly transferred active student loans which were previously in default my score dropped XXXX points. There was no negative information included in any way shape or form and should have increased my score since o have no delinquencies or collections on my account. As far as research I was able to study the XXXX XXXX is calculated as such : Payment history- XXXX XXXX Credit utilization : XXXX XXXX Credit age : XXXX XXXX Credit mix : XXXX XXXX New credit or inquiries : XXXX XXXX 

Today I received an email from TransUnion regarding how my score is calculated, which I do not believe is a coincidence since it should have improved not gotten worse. Ive attached screenshots from that email. After searching the web for hours I could not find any published information regarding this version of VantageScore 3.0 It goes as follows ; Payment history : XXXX XXXX  Age and type of credit : XXXX XXXX XXXX of credit limit used : XXXX XXXX Recent credit : XXXX XXXX  Available credit : XXXX XXXX  I believe this change to how my credit report is being scored is a direct retaliation for submitting a complaint to CFPB. I have searched credit forums, message boards, knowledge base articles and can find no reports of a similar scoring system being represented as VantageScore 3.0. There needs to be an investigation and consequences for what I see as a blatant attempt to sabotage my financial stability and punish me directly for submitting a CFPB complaint.
Product: Credit reporting or other personal consumer reports

I sent a letter and disputed with Experian, XXXX and XXXX all accounts. However the credit bureaus said the completed investigation and everything was 100 % accurate ; despite accounts not appearing on all credit bureaus are the same. This is defamation of character. 

I also, I noticed them with a list of laws according with 15 U.S.C regarding privacy, acquisition of location information, accuracy, to name a few 15 U.S.C 1692 ( a ) sections 1-7, 15 U.S.C 1692 ( b ) sections 1-3, among others I may mention again ; Fair Debt Collection Practices Act 15 U.S.C 1692c, 1692d, 1692e, 1692f, 1692g, 1692h, 1692i, 1692j, 1692k. Under the Fair Credit Reporting Act 15 U.S.C 1681, 1681a, 1681b, 1681c, 1681c-2, 1681e, 1681g, 1681i, 1681n, 1681o, 1681q. 16981s-2.

Lastly, most importantly to highlight 15 U.S.C 1681a - Definitions ; rules of construction.

The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items if information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know who did they talk to and investigate with. Also, how did they complete their/this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 Capital One Credit Cards. One of them is reporting to the 3 credit bureaus and the second one doesn't report. I called in several times and They always mailed me a letter stating that they verified that it is reporting, ALTHOUGH IT IS NOT. 
I WILL ATTACH SEVERAL LETTER FROM THE PAST YEAR SHOWING THAT CAPITAL ONE DENIES THE FACT THAT IT'S NOT REPORTING.
Product: Bank account or service

Used a US bank ATM several years ago, system allegedly detected that I made XXXX cash deposit transaction, only made XXXX deposit. Next day fraud alert on the us bank account, stated that I owed them funds. Opened up an investigation, ATM was no longer available. Investigation was closed out. US bank system sent a letter two days later stating I was in XXXX. Went to US bank they advised me of the negative balance ( that very same day ) told me that no check system error came up on there system. I have the letter from a bank representative that states I do not owe any balance or funds to us bank. XXXX still shows that I owe financial institution us bank. I have been unable to open up accounts and other financial services because of this issue.
Product: Credit reporting or other personal consumer reports

Incorrect account : Account info Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$2700.00}
Product: Credit card or prepaid card

XX/XX/2019 I receive a negative mark against my credit for missed payments or XXXX. I know for a fact that I paid these payments, which were processed online. As you can see I have been a long time customer with who's always made timely payments. I was never notified by email or by phone to inform me that there was an issue with my account. I found out when I obtained a letter from capital one informing me of a missed payment in XXXX in which I took care of it immediately. I contacted Capital One and they were of no assistance. Basically told me it, is what it is. I wasn't happy with that approach and wasn't heard out. I was so upset that I mailed out a letter to the company on XX/XX/19 and I have heard nothing from them since. I made a copy and will attach the letter I mailed to Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have just Today received from XXXX regarding a situation of what I believe to be tax evasion??? I received this 1099-A form today re : a terminated ( upon illegal foreclosure on XXXX ) this statement attached showing that XXXX XXXX XXXX  to be the lender now ( this keeps changing over the past few weeks ) It appears that XXXX is trying to avoid paying taxes on this closed account while reporting it as follows to Equifax as being behind 2 payments : CREDIT ALERT FROM EQUIFAX : NEW/CHANGE ACCOUNT Questions? Need advice? 
Flag this alert and call us. Were available 24 hours per day, 7 days a week. 

CLEAR ALERT FLAG ALERT DATE : XX/XX/20 ACCOUNT : XXXX - HOME LENDING Alert Details ACTIVITY TYPE : Account Change NUMBER : XXXX XXXX STATUS : Not more than 2 payments past due BALANCE : USD {$40000.00} ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, DE, XXXX PHONE : ( XXXX ) XXXX Also see form 1098 look at ID numbers. is attached This was closed upon the illegal foreclosure sale on XXXX and also see the attached 1099-A form showing a different ID number for the IRS. What the XXXX is going on here???
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I have asked this third party collection agency XXXX XXXX XXXXXXXX XXXX  to provide an original contract with my signature and they have failed to provide this information. Also, the open date and status of these accounts are incorrect. These accounts 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 are not complete and accurate. 

I sent a letter asking them to make sure everything is complete and accurate. 
They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting or other personal consumer reports

I closed on my primary home located in XXXX XXXX XXXX XXXX, XXXX TX XXXX. My original lender is ( WILLOW BEND MORTGAGE XXXX, XXXX ) located on XXXX XXXX XXXX XXXX, XXXX, TX XXXX. On XX/XX/XXXX I recievd a notice stating : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX RE : NOTICE OF SERVICING TRANSFER The servicing of your mortgage loan is being transferred, effective XX/XX/2023. This means after this date, a new servicer will be collecting your mortgage loan payments from you. Nothing else about your mortgage loan will change. 
Willow Bend Mortgage XXXX, XXXX is now collecting your payments. Willow Bend Mortgage XXXX, XXXX will stop accepting payments received from you after XX/XX/2023. 
XXXX Mortgage XXXX will collect your mortgage payment going forward. Your new servicer will start accepting payments received from you on XX/XX/2023. Please be advised that any optional insurance or ACH drafting will be cancelled as of the transfer date. You XXXX contact XXXX Mortgage XXXX to set up new payment drafts. Please notify any third-party payment agencies or government allotment service of the change in servicer. 
Send all payments due on or after XX/XX/2023 to XXXX Mortgage XXXX at this address :. 

I Contacted XXXX Mortgage services to mail my payment and I was informed that they can't find my file in their system so they will not be able to process any payment. 

XX/XX/XXXX I got a call from a company called XXXX XXXX XXXX saying my loan payment is XXXX past due, prior to XX/XX/XXXX I didn't get any bill statement from these company or knew they existed. I told the customer service rep I didn't get any letter of acknowledgment from their company and she informed me that they sent the letter to my old address and she informed me that they wouldn't report late payment on my credit report since new account has XXXX grace period, it turns out that she lied as my credit just got affected drastically due to them reporting late payment on my report about payment I never received a statement for or knew existed with their company. Company like this take advantage of customers and they need to be brought to compliance. I have attached the letter I got from my first lender and the letter from XXXX showing they sent the welcome letter to the wrong address and didn't make any attempt to contact me by phone or anything.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction with XXXX, XXXX, and Equifax for their failure to remove old, outdated, and incorrect information from my credit reports despite my repeated requests. I have sent multiple letters to each of these credit reporting agencies, clearly outlining the errors in my personal information and providing the correct details, but they have not responded or taken any action to rectify the situation. 

The inaccurate information on my credit reports includes false employers and phone numbers that do not belong to me. These errors could have serious consequences if they are not corrected promptly, as they may impact my ability to secure employment or financial services. I have attached copies of my Driver 's License, Social Security Card, and Pay Stub to verify my identity and facilitate the correction process. 

It is crucial that XXXX, XXXX, and Equifax adhere to the Fair Credit Reporting Act ( FCRA ) and ensure that the information they report is accurate and up to date. By failing to address these inaccuracies, they are violating my rights under the FCRA and causing me unnecessary distress and potential harm. 

I urge XXXX, XXXX, and Equifax to take immediate action to remove the incorrect information from my credit reports and provide me with updated and accurate reports. I expect a prompt response and resolution to this matter to avoid any further escalation of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly ( 120 ) days late on the XXXX XXXX account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages 5, 6, 7, and 8 attached  from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this, however I have been unsuccessful.
Product: Debt collection

This is XXXX XXXX XXXX, XXXX  XXXX XXXX call to say owe debt was paid XX/XX/2018. FTC should be able to sue their real company is speedy Cash and not a ligenamate company that is a collection agencies. I want XXXX XXXX and XXXX XXXX XXXX in order to satisfy my difficulties. 
XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX mobile
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I sent a zelle transfer to a zelle enrolled recipient for same day transfer. The transfer process was said to take 3 days for me to find out the transfer failed on the XXXX day then I was told it failed the XXXX day then I was told the money I took out was not in my bank account to which the ally bank institutions employee/customer service representative shortly corrected herself to say that was incorrect. Ally cost me my time and loss of a vehicle due to their XXXX XXXX. The phone calls are recorded. I was hug up on by a XXXX when trying yet another phone call and this time around I had to wait XXXX minutes for a supervisor I requested to not show up and I know this ally institution can influence the time money comes in and out of the account and yet still insist one 3 day waiting period for my funds to return and has costed me the purchase of my vehicle to which they were aware of my purchasing and have not resolved the issue and insists on blaming the recipient bank until a XXXX way call was created. I have nothing but issues from this bank and its bad enough thar their " policy '' after 2 mis transfers from an account they suspend your external account for 6 MONTHS!! and they try to tell you oh you can still make transfers using debit card to befit card but what they don't tell you is that you can only transfer funds in not out... and you can't wire money to an account thar is NOT in your name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed many times with XXXX  about my credit report and some loans that were effecting my score. I have provided them with all the necessary documents as my identity theft report and they still have not removed it from my credit. Its still showing a negative which effects my score tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kia Motor Finance assessed several months of delinquent/late payment reporting on my credit report. This delinquent reporting was done for the months that were after the account was closed and the title issued. Account was never late. Credit report shows that while the account was open, the account was never paid late. 

I have tried to dispute through the credit agencies, no solution. Wrote multiple letters to KIA with the return response in a form letter stating that they are correct. How can payments be late after the account has been closed. The late reporting is affecting my credit score and I would like it removed. I believe they are in violation of The Fair Trade Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo claims that they report my payment, remaining loans to all the major credit reporting agencies but I never see it in XXXX, XXXX or XXXX. 
I have reached out to XXXX and Wells Fargo. XXXX and XXXX are unreachable. When I use my information to create an account it does not work.
Product: Checking or savings account

Fraudulent activity in account. This savings account is one where we kept dollars for our association and only earned interest. We never had any other activity in this account. On XX/XX/XXXX I viewed the account and saw suspicious activity on the account and I feel a SAR should have been filed and was not. I called Truist Bank and was given a Claim #. At that time I questioned why no one reached out to us and they said they did send a letter which we did not receive for over 10 days. We needed a phone call from them. I then emailed them on the same day with all the fraudulent activity account as follows which indicated all of our {$160000.00} was taken basically by the same fraudulent company. The dates are as follows : XX/XX/XXXX of {$19000.00}, XX/XX/XXXX of {$10000.00}, XX/XX/XXXX of {$49000.00}, XX/XX/XXXX of {$50000.00}, XX/XX/XXXX of {$27000.00}, and XX/XX/XXXX of {$4800.00}. Other amounts also were trying to be taken on XX/XX/XXXX, and XX/XX/XXXX, but of course there was no money in the account. Needless to say, Truist Bank charged us fees of {$36.00} for these. To date, we have been able to obtain some of these dollars but Truist is still not willing to put the XX/XX/XXXX dollars of {$27000.00} back in our account. I have called the fraud department and emailed them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Our President of our non-profit corporation also emailed a manager and got no where. He actually said to let this run its course. In addition, something very disturbing happened on XX/XX/XXXX when I talked to a representative from Truist who advised me that the reason they were not refunding the XX/XX/XXXX {$27000.00} was because where the dollars went ( XXXX XXXX ) said this fraudulent company had a contract with us. Of course, that contract has never been produced. The representative from Truist also told me to call XXXX XXXX directly. Of course I did this and talked to an individual who was very nice but said that is not a way a bank should advise their customers. Which I agreed with. The manager from the bank also talked about a timely matter which the XX/XX/XXXX {$4800.00} was recovered and not the XX/XX/XXXX {$27000.00}. All we want is our account to be made whole by Truist. And, of course, interest has not been credited appropriately either. Any docmentation you need, I have. Thank you for your help in resolving this matter and any further advise is appreciated.