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

Citibank recently closed my account, because they stated I mispresented disputes. I spoke to their executive office team member named XXXX, and she only provided me with a few specific examples but stated there are more. XXXX stated I was given permanent credit with no additional documentation required due to the dollar value of the disputed amounts. Moreover, Citibank also paid the merchants on these disputes when the merchant stated he or she believed the charges were valid. Then, Citibank wrote off the amounts. They never followed up with me for additional supporting documentation to support at any time during the dispute process, including after merchants ' claims. 

I have repeatedly e-mailed billing disputes asking for all documentation including the merchant response on my disputes. I have received very little from Citibank to date. I have called the dispute 's department and asked them to provide me with a list, but they stated I have to put in a request on each individual dispute. Obviously, I don't have all day to spend on the phone, especially when it is clear that their billing dispute 's team doesn't even understand what is going on. 

Today, XXXX, I called in to speak to a billing dispute representative to get information on some of the disputes. I called around XXXX and the rep 's name was XXXX . She was insistent that the merchants were not paid on specific transactions and that Citibank would not pay out twice, stating permanent credits were issued in my favor. I asked to be transferred to a supervisor. I was left on hold. The phone call lasted nearly 25 minutes before I finally hung up and decided to put the requests in to the CFPB. 

Previously, I spoke with XXXX in billing disputes on XXXX. He was able to give me specifics, but I am still worried if I was given correct information by how much I had to press him. 

Obviously, due to the number of disputes, I am going to have to attach them. Because of the way the CFPB formats complaints, it will lump the complaint into one paragraph which will make it difficult for Citibank to comb through each dispute and to get me the right paperwork along with the right response. I am including all the disputes listed on my account summary from XXXX to XXXX. I have included the dispute numbers, the merchant, the purchase price, and the disputed amount.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} ; XXXX XXXX XXXX XXXX XXXX {$21000.00} ; XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$31000.00} XXXX XXXX XXXX XXXX XXXX {$11000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$36000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$38.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} ; XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account on my credit from XXXX and XXXX and XXXX XXXX that I paid and was agreed to be deleted still showing on my credit report. Ive sent numerous documents from the creditors to EQUIFAX stating the accounts should be deleted its they have yet to delete the accounts.
Product: Credit reporting or other personal consumer reports

I have reach out to XXXX XXXX XXXX  several times to found out who is the original debt collector and why after 8 years do they keep falsify the age of this debt. in the amount of XXXX spoke to them in 2017 on removal of this debt.
Product: Credit reporting or other personal consumer reports

To May whom concern it : My niece and I went to Lowes to buy some appliances and we agreed to buy by paying 50 % each my niece had to apply for credit but I already have credit for the person who attended his language we do not what it is because she did not understand in English or XXXX because I explained that my niece apply for credit but I'm paying with my card and anyway this person submitted the credit application for both I'm trying to fix my credit and this situation affect my score please help me, Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. I have been patiently waiting on Equifax 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ( XXXX  XXXX & XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX )
Product: Debt collection

I called Sequium asset solutions to see If I could speak to a supervisor about getting a settled debt possibly removed. The agent got really mad and tried to start a argument so I repeatedly asked this agent to speak to the supervisor so I can resolve this issue and move on with my life. THE AGENT STILL WOULDNT LET ME SPEAK TO THE SUPERVISOR, just being evil. PLUS, I asked for paperwork of me paying for the debt, they told me that they would email it to me and received that yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX section 602 A. States I have the right to privacy. 
XXXX XXXX XXXX Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( 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. 
XXXX XXXX. XXXX ( 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.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a late payment reported on my credit report for the account with XXXX XXXX Account Numbers : XXXX ). This late payment is inaccurately reported, and I am requesting its removal based on the provisions of the CARES Act. 
The CARES Act, signed into law on XX/XX/year>, amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis under specific circumstances. According to 15 U.S.C. 
1681s-2 ( a ) ( 1 ) ( F ), if a consumer makes an arrangement with a lender or creditor for payment accommodations due to the COVID-19 pandemic, any adverse credit reporting during this period is prohibited. 



Your company is in violation of the FC

RA and Metro Compliance and reporting violation. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( A ) subject to section 1681s-3 of this title, any - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On [ insert late payment date here ], you reported transactions from account # to my consumer report. The above section 15 USC 1681a ( d ) ( 2
) ( A ) ( i ) clearly states that transactions between the consumer and the person/corporation making the report are not included on the consumer reports, yet you are reporting this information to my consumer reports! 

The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is a clear violation of Metro2 compliance! Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX XXXX and this is not a 3rd party filing this. I have attached documents for your review showing the Fraudulent accounts/ Incomplete/ Inaccurate accounts thats being reported on my consumer report. The credit reporting agencies are taken advantage of me by reporting this INACCURATE information and it needs to be removed IMMEDIATELY. 
Please see attached documentation.
Product: Checking or savings account

Initial contact with Bank of America via email on XX/XX/XXXX that an application was in progress for an 'advantage safebalance account. ' Called and spoke to several representative over span of a few days, application was cancelled. Bank of America assured me that a fraud flag of some sort was placed on my name for future fraudulent attempts. On XX/XX/XXXX I received the same emails, this time with a subsequent email informing that the account was opened successfully. Bank of America has been unable to connect me successfully with a representative to close the account. The hold times are over an hour and the last representative that I spoke with had the call disconnect. 

Additionally, all three major credit bureaus are frozen, as well as XXXXXXXX XXXX. Bank of America has been unwilling to provide me with any information on how they verified the identity of the criminal trying to open an account in my name with these security freezes in place.
Product: Credit reporting or other personal consumer reports

Ive submitted this complaint several times CFPB & EXPERIAN, XXXX and XXXX are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever reason, Im beyond annoyed. The following accounts listed below were opened due to identity theft. Ive provided you ( CFPB ) & EXPERIAN, XXXX and XXXX with FTC Fraudulent report support my position. It seems EXPERIAN, XXXX and XXXX are violating FCRA section 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. Id like these account blocked or removed based on 605b. this is my final request before I get my attorney involved because this matter has been creating an insane amount emotional & physical distress. Its caused me restless night & has caused me to miss work. My attorney told me I should just sue for violation in FCRA laws. Id prefer to NOT get litigious. Please see this matter handled. Id like the following accounts/inquiries removed/blocked per 605b with the attached documents again. Thank you ACCOUNTS : XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX  XXXX XXXX and XXXX  XXXX Bankruptcy Reference # : XXXX ; INQUIRIES : XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XXXX XXXX XXXX Inquiry Date XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Acima has reported incorrect information and inaccurate data reporting to the three major credit bureaus. I believe these practices are unfair and request an investigation and to have these removed from my credit report per the FCRA GUIDELINES.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXXs never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Student loan

During the pandemic Sallie Mae refused to help me with my loan payment and forbearance, they lied to me multiple times telling me if I paid a certain amount they would catch up my account. There was a time in XXXX  where I paid over XXXX in XXXX month to catch up and they still continued to report my account as late 11 times on my credit!!!!! Sallie Mae does whatever they want and abuses people with their insane interest forces people to pay insane rates in which their balance will never be paid off. I was not educated when I took this loan out how severe the interest was and then on top of that they can ruin people by reporting they were late 11 times when I made multple calls to try to catch up and paid a ton of money to catch up. Sallie mae needs to remove the late payments from my credit 11 times or I am filing a class action against them for many reasons
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights have been violated. XXXX XXXX XXXX The credit bureaus violated my given rights under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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. This account is not mine and has been opened fraudulently.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer FICO credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account allegedly opened at XXXX XXXX XXXX on XX/XX/XXXX. This account appears on my consumer FICO credit report as closed and charged off, with a reported charge-off balance of {$7200.00} and payment status listed as charge-off. I did not open, authorize, or initiate this account, and it is the result of identity theft and fraudulent use of my personal information. This fraudulent account has also resulted in unauthorized hard inquiries appearing on my consumer FICO credit report that I did not initiate or authorize. These inquiries include XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. I did not apply for credit with these entities, and these inquiries are a direct result of fraudulent activity. I have attached a copy of my consumer FICO credit report dated XX/XX/XXXX, which shows the aforementioned fraudulent account and hard inquiries, along with a copy of my FTC Identity Theft Criminal Complaint ( Case # XXXX ) as proof that these items are the result of identity theft and fraud. I request that the TransUnion credit reporting agency block and permanently remove the XXXX XXXX XXXX account and the listed unauthorized inquiries from my consumer FICO credit report within four business days, in accordance with FCRA 605B.
Product: Mortgage

We have applied for HAMP at least XXXX times with Wells Fargo Home Mortgage. Each instance, they have offered us a " refinancing '' option that was impossible to agree to. We were told each time that deciding on the refinancing option would NOT impact our application for HAMP. However, each time we declined the refinancing option, we were then notified by Wells Fargo that our HAMP application was rejected because " you withdrew your request ''. This is not true. We rejected the refinancing option. NOT the HAMP application.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I sent XXXX and Transunion a dispute about deleting incorrect personal information that is currently reflecting on my report. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX and Transunion credit reports, and I noticed a late payments posted on my credit report : one of XXXX  XXXX credit cards for the month of XX/XX/XXXX - XX/XX/XXXX and the other XXXX  XXXX credit card for XXXX XXXX XX/XX/XXXX. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the class action law suit against Santander Consumer USA. I signed the executed agreement based on the terms laid out in XXXX 0f XXXX. In the agreement I would receive a financial settlement and in paragraph 3 Santander would remove all entries regarding the account from the credit bureaus. Santander agreed to these terms with my attorney XXXX and XXXX. I sent copies of the agreement all 3 credit bureaus to get the file updated and all three sent back the response that Santander refused to remove the entries even after entering into a legal contract. Furthermore, when I attempted to contact Santander they refused to speak with me. Since my escalation in trying to remove this entry to close on a home mortgage Santander has changed the credit file from voluntary repossession/charge off in XX/XX/XXXX to current late payment further damaging my credit score. Based on this action I was unable to close on my home when this was the only negative entry and when the broker contacted Santander they stated this was a current debt which is false. 
I have attached the executed agreement for your review and please see paragraph 3 which states Santander should have removed this entry months ago with all three credit bureaus.
Product: Credit card

I received a credit card i did not apply for from HSBC. 
I was not happy with the call to them + felt they did not take the fraud seriously. 
they did confirm they had cancelled when prompted but I do not want this to blemish my credit score. 
They provided a card with a XXXX limit - something i would have been refused should i have requested. 
I asked who signed for it- they said it was all done online. 
Seems they 'willy-nilly ' give away money without proper checks and I would be the one who suffered. I do not even bank with HSBC!!
Product: Credit card

Hello, through my reports, I 've come to learn that there is currently a name that is being reported to all XXXX credit agencies which is incorrect. The source is American Express. For background into this issue : My true legal name is XXXX characters long " XXXX '', however AMEX reports my name is " XXXX ''. I have contacted American Express to fix this issue, and their response in writing has always been " Unfortunately due to system constraints, we have updated your first name as this, because it can not exceed more then XXXX characters. '' This is problematic for me because " XXXX '' is a legitimate name and not an abbreviation for " XXXX ''. This is misleading and to me is quite comical that AMEX would be operating a " system '' that can not properly communicate someones name to agencies as important as our countries credit agencies. Also I should note that NO other credit card company ( and I have many ) have this problem! 

I believe that AMEX needs to be pushed to comply with operating a fair system that can handle more then XXXX characters, and be forced to not report the incorrect name to agencies. 

Thank you for your time, and I am looking forward to a response and resolution to this matter, which certainly affects many XXXX citizens.
Product: Credit card or prepaid card

Citibank recently closed one of my credit card accounts without any advance notice. This credit card account was tied to Citi Thank You reward points. I had accumulated XXXX  Citi Thank You points, but they were automatically forfeited on XX/XX/XXXX when Citi closed the corresponding credit card account without informing me. I lost all my Thank You points and their corresponding value.

I called Citi card in the 3rd week of XX/XX/XXXX to file a complaint and request restoring my Thank You points ; however, Citi responded by saying that due to the time frame that has elapsed, they are unable to credit the Thank You points to my account. I called Citi card services again in mid-XX/XX/XXXX, and received a letter stating that the outstanding points needed to be redeemed within 60 days from the date of closure of Citi account. Apparently, Citi closed my account on XX/XX/XXXX and sent me the letter on XX/XX/XXXX informing me that the account was closed and that I had 60 days to use my points. However, I either did not receive this letter, or it was accidentally ignored/thrown away by someone in my household when I was out of the house for 16 days between XX/XX/XXXX and XX/XX/XXXX.

Upon further inquiry with Citi, I learned that this account was automatically closed because of inactivity for several months. While this is true, Citi needs to understand that I have two other Citi credit cards ( and my wife has two Citi credit cards as well ), all of which are heavily used for our daily small to big dollar purchases. In XX/XX/XXXX, collectively we spent more than {$50000.00} on Citi cards, and we are on track to do so again in XX/XX/XXXX. None of my other credit card companies -- for example, XXXX, XXXX XXXX, and XXXX XXXX -- ever closed my credit card accounts that were inactive for more than 5 years. Plus, we have always paid our credit card bills timely, and have maintained an excellent credit score. I explained all the above points to the Citi customer care managers on my two calls, but I am extremely dissatisfied with Citi 's response that they are unable to restore the XXXX   Thank You points I earned.