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

Citibank blocked access to my debit card from XXXX. 
As an XXXX  American dependent on my XXXX XXXX income, loss of access to my funds caused me great distress and anxiety. Furthermore, Citibank did not release funds to pay a bill. My debit account was blocked. 

The potential for harm came because I was on vacation, away from home, by myself when the account was locked. 

There weren't any branches anywhere near my location, at the time, California. Phone calls with Supervisors were fruitless. 

Citibank did send another debit card to my home address however, I was not anywhere near there.
Product: Credit reporting or other personal consumer reports

I have received an update notice from Experian on my consumer report. I notice Experian have furnished transactions on my consumer report that is excluded by law. They havent shown or evaluated how their reinvestigation is verified by which the law clearly states as per the FCRA 15 USC 1681a 2Ai. 
( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. XXXX and or any other Risk score or algorithm that you use to calculate a consumers XXXX XXXX is not a factor where the consumer report is concerned! Definition of what the consumer report means. 
Consumer report In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
XXXX or non of its factors are not defined or included in the definition of the consumer report! Therefore the reporting of transactions between the consumer ( XXXX ) and the Person ( XXXX XXXX XXXX SIMPLE ) is in violation of 15 USC 1681a the definition of the consumer report does not include XXXX or XXXX which makes their factors or algorithm not a factor where the consumer report is concerned. 
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. Delete the following late payments from my consumer reports ; XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I made my monthly payments for both XXXX and XXXX on time not to mention the payoff payment made in XXXX and the company reported the payment 30 then 60 days late then closed. There were fees tacked onto the end of the loan due to financial hardships which resulted in a repossession over 2 years prior but the loan company added these fees to the end of the loan and according to their website every time a payment was made, the minimum payment had been made on time. They took the payments made in both XXXX and in XXXX and dispersed the payment in different areas and then reported the payments late. Each month the payments were made for a total of what their site said was minimum ( as well as according to loan terms ) and they also never called inquiring why any payment was late which is their normal process when a payment is ever 2 weeks late or greater ( this comes from financial hardship experience ). So why are my payments which were made accordingly and in the amount of every payment prior being marked as late. This is extremely impacting my credit score which Ive worked very hard on for the past 2 years to improve and am now possibly not going to be able to purchase a home when I did what I was supposed to. Ive tried to talk to them, they continue to accuse me of making partial payments, they have stated they will request and audit but still refuse to correct this even though I have proof from my bank showing I made these payments in one full amount and their website even shows my payments were made on time and in the full amount.
Product: Credit reporting or other personal consumer reports

This is to bring to your attention that my credit report reflects an inquiry from this company that I did not approve. I sent a letter to the creditor stating that it was an authorized inquiry. The company did not provide any proof nor remove the inquiry. 

The company is not legally entitled to access my credit report without my authorization. Therefore, I request that you investigate this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I requested a copy of my credit report via Annual credit report. I contacted Experian on XXXX XXXX, XXXX to correct inaccurate information. The individual updated all of my personal information per my request ; however refused to delete inquiries though I advised that I had not authorized the inquiries and was unaware who those companies were. The representative from Experian stated that it was MY responsibility to contact the companies who illegally pulled my credit. Though I was upset by this, I did contact each one, that day. They all referred me BACK to Experian because they had no record of my ever applying for credit with them and stated it was Experian 's error. I sent a letter via certified mail on the same day, tracking number XXXX XXXX XXXX XXXX XXXX which they received XXXX XXXX, XXXX requesting again for the erroneous credit inquiries to be removed because I had not authorized them and per FCRA only permissible purpose for pulling someone 's credit was for a firm offer of credit, insurance, employment or court order. This week, I received another letter from Experian explaining what credit inquiries are and they were not removing them. I pledge that I have no knowledge of the following credit inquiries that are erroneously being reported by Experian even after it has been brought to their attention : XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX ( I 've had a savings account with them since XXXX however I did not apply for any new products with them this past XXXX ), XXXX XXXX/XXXX/XXXX ( this should be under promotional because I never applied with them until XXXX/XXXX/XXXX which is supported by the opened account XXXX XXXX XXXX/XXXX/XXXX ( the inquiry on XXXX/XXXX/XXXX was authorized by me when I opened an account this past XXXX, according to XXXX XXXX the XXXX/XXXX/XXXX should be a promotional inquiry NOT a hard inquiry ). 
I am requesting that Experian, immediately remove the aforementioned credit inquiries.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding an inaccurate bankruptcy entry on my credit bureau report. Despite never having filed for bankruptcy, this entry is negatively impacting my creditworthiness and financial opportunities. 

Thank you for your attention to this issue. 

Account name : XXXXXXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX
Product: Credit card or prepaid card

I made a purchase at XXXX XXXX XXXX XXXX on XX/XX/2021 in the amount of {$24.00} and had problems with the online/mobile transaction. When I attempted to dispute the charge on barclaycardus.com it doesn't give me the dispute option, and when it does it states that I have to mail in my materials to a Delaware address. I haven't experienced anything like this in the past XXXX years, everything we do these days is online! I had to call in 4 times because everyone I spoke with kept transferring me somewhere that would answer with a message along the lines of 'we are unable to take your call, please call back again later '. That message is sort of odd, since we're about 10 or so months in Covid. That excuse is so worn out by now, no one accepts it anymore. When I finally did get through to someone ( who called herself XXXX, and promptly hung up on me ) she was very argumentative. If Barclays does not want my business, please let me know!
Product: Debt collection

This letter serves as a formal notice to cease and desist all collection activities related to any alleged debt associated with my account. I am asserting my rights under the Fa Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and requesting that you cease all communication with me regarding this matter, except as allowed by law. 
Case law has affirmed my right to request the cessation of debt collection communications. In XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), the court ruled that a consumer 's request to cease contact must be honored by the collection agency to avoid further violation of the FDCPA. Any additional communication beyond what is permitted constitutes a breach of my rights under federal law. 
Additionally, the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), reinforces the consumer 's right to privacy and the obligation of debt collectors to honor requests for cessation of contact. Ignoring this cease-and-desist demand will constitute harassment and a violation of the FDCPA.

Please be advised that failure to comply with this notice may result in further legal ac This could include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing other remedies to protect my rights. 
Thank you for your immediate attention to this matter. I expect written confirmation that you have received this cease-and-desist demand and that you will comply with it accordingly.
Product: Mortgage

Still Charging for PMI. XXXX is 66 % PMI requirements are for 78 % and above. Shellpoint will not remove PMI. Have been trying to get this removed for over 1 year ( XX/XX/XXXX ). In XXXX filed for XXXX XXXX. Shellpoint Customer Service XXXX XXXX completed my request incorrectly and my account showed late payments. I called and worked with a Supv XXXX XXXX to resolve. She reportedly fixed all the issues including correcting my credit report. She could not understand why the PMI would not be removed. Letter from Shellpoint said I had a late payment and that was why my PMI would not be removed. This is incorrect and I reached a Supv XXXX XXXX XXXX to resolve. She stated she did. Still no PMI removal. 

XX/XX/XXXX paid {$190.00} for home appraisal for PMI removal per letter from Shellpoint. This never occurred and my money was not refunded! 

XX/XX/XXXX XXXXSpoke with Supv XXXX  XXXX XXXX. She read all my issues and file and agreed with me that the PMI should be removed. She build a file and case for investigation # XXXX with XXXX XXXX. No contact thru today XX/XX/XXXX. 

XX/XX/XXXX XXXXSpoke with Supv XXXX XXXX she said complaint was cancelled and PMI was not going to be removed because of the late payment noted above. I had to explain again the issue and she said she would send an email to XXXX. 

Resolve : 1 ) Fix my account records at Shellpoint to properly reflect the account situation and XXXX XXXX. 2 ) Remove PMI per my contract, I have met the obligation. 3 ) Refund my appraisal fee {$190.00}. 4 ) Refund me my monthly PMI that has illegally been collected by Shellpoint since XXXX of XXXX at $ XXXX per month = {$6700.00} +
Product: Checking or savings account

On XX/XX/2022, {$3300.00} was stolen from me off of my Wisely  by XXXX card. I did not authorize the transaction due to me having XXXX and in the hospital. I have submitted proof to XXXX of me being in the hospital to prove that I did not authorize the transaction. They told me to email the documents and mail them I did but when I called a week later a guy told me they never received anything and that I wasnt suppose to email them only mail it, in which I did. They told me they dont give out previsionary credits and they cant tell me whether Ill get my money back or not until I get a letter in the mail. I still havent received anything and I am behind on my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I ask the credit bureaus to do a verification on my credit report. Upon them doing that I received an update that it was completed. After, I went and completed a thrall research myself. However, I found improper inaccuracy on my credit report after they did a thrall research. These items which has not been corrected upon my credit reporting XXXX XXXX XXXX XXXX  For the amount of {$8800.00} XXXX XXXX XXXX XXXX  For me the amount of XXXX XX/XX/XXXX XXXX XXXXXXXX For the amount of XXXX XX/XX/XXXX XXXX XXXX XXXX  For the amount of {$330.00} XX/XX/XXXX XXXX XXXXXXXX XXXX For the amount of {$1000.00} XX/XX/XXXX XXXX XXXXXXXX For the amount of {$1000.00} XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I pulled my credit reports back in XXXX and Noticed that a car that i purchased showed for the full amount of $ XXXX when it was a total loss and insurance paid it off. 

XXXX never sent me any information on that account after the accident. 

That car was purchased in XXXX and they reaged it on my credit report. 

They sold the debt to NCB they are a collection agency and they never contacted by mail. I disputed the debt it was removed then it was added back to my reports a year later without them notifying me within 5 business days that it would be put back on my credit file. Now both XXXX and NCB are trying to collect a debt that is not owed at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was involved in the XXXX data breach and someone used it to open accounts
Product: Credit reporting or other personal consumer reports

I value the efforts already made to address some inaccuracies in my file resulting from incorrect reporting on my credit report. However, there remain several inquiries and an inaccurate address that require removal. After reviewing my credit report, I noticed persistent inaccuracies that I find problematic. Upon contacting the companies listed below, I requested the removal of these inquiries from their records and the deletion of any associated records with credit reporting agencies. They have assured compliance with my request and the necessary steps for resolution. Nonetheless, I am reaching out to ensure these corrections are fully implemented. The list below details the outstanding inquiries and the inaccurate address that need to be excised from my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX As a forthcoming mortgage applicant, I am keen to ensure my credit score accurately reflects my creditworthiness. Enclosed with this communication is my updated FTC report, numbered XXXX. I request a comprehensive report on your findings within the next 30 days, anticipating prompt resolution to this matter.
Product: Credit card

On XX/XX/2023, I made a payment of {$220.00} on the credit card XXXX XXXX XXXX XXXX mastercard issued by XXXX. The payment amount was already deducted from my checking account as of Monday XX/XX/XXXX. Today, XX/XX/XXXX, the payment is still not posted to my account and is not included in my credit limit and still shows processing since XX/XX/XXXX. My credit limit is only {$1300.00} with current balance showing {$140.00} and with available amount to spend of {$920.00}. I had a credit card account with XXXX XXXX issued by XXXX in the past and i closed it out. I reapplied and was given this new one with {$1300.00} credit limit. In the past, when I schedule a payment the day before my due date, the funds is deducted from my checking account on the due date and and the payment is posted immediately. That is not the case this time. It feels like XXXX XXXX XXXX issued by Synchrony Bank retaliated against me for closing my account in the past. Now the payment made on the XXXX of XXXX is still not posted. It looks like XXXX XXXX XXXX is doing this on purpose so it will appear that payment is made late and late payment charge will incur. I have good credit and i don't want this to affect my credit negatively. The fact that i was approved for this credit card the XXXX time was because i paid my bills on time each time and never late on payments with the previous credit card I closed. never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, since you don't have enough choices in this website, I had to pick the closest. I will like to know if something can be change on the Hard Inquiries and how they are handled. On XX/XX/XXXX I received an offer for a personal loan, I was waiting to hear more about the offer after I went to the website and input my info, instead they checked my credit report and I lost points out of EXCELLENT credit because of this inquiry that I DID NOT accept their offer. My problem and question is : Why do inquiries have to hit your credit report in a derogatory way? they are just " inquiries '' you are not acquiring a new debt every time somebody or yourself check your credit score! That should not be legal because it harms the people with good credit for no reason. I understand if you acquired another bill based on the inquiry, I understand that, but if you don't that should not go against you! XXXX XXXX XXXX offered me a loan to pay of the big loan I have, at a lower interest but the terms were not to my liking, now I'm stock with the " hard inquiry '' and 3 points less in my score. Now days EVERYBODY is sending you offers for credit cards, loans, etc. so how are you to shop around if every time somebody checks your score to see what they can actually offer you based on your score you get punished? I do not think is fair and I do not agree with it. Somebody should review the way credit score companies handle the life-hood of the consumers that try to do the right thing and those that have no other choice but to shop around. I want all hard inquires deleted because there is another part that says if you have or not acquired a responsibility with those vendors. Thank you.
Product: Debt collection

Sent a Request to Validate Medical Debt. I requested two specific things 1. Please provide breakdown of fees including any collection costs and medical charges.

2. Provide a copy of my signature with the provider of service to release my medical information to you.

3. I request full documentation of what you received from the provider of service in connection with this alleged debt.

This Debt Collector failed to answer the three questions listed above. Instead they sent a vague letter stating " ARS has verified this information with our client, and confirmed the outstanding balance of {$3300.00} '' The debt collector failed to provided breakdown of fees, medical services or treatment rendered, mover over they have failed to provide documentation that I gave permission for any medical or financial information to be provided to the current debt collector ( ARS ). 

I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. ARS has failed to Validate the Medical Debt. And they are in direct violation of HIPAA laws.
Product: Checking or savings account

New online account was opened with Citi Bank on XX/XX/year>2024. I funded the account with XXXX payment from another checking account in the amount of $ XXXX and also deposited a check from the XXXX of New York in the amount of {$1000.00}. 

A few days later, the account access was blocked. Visited the local branch where I was told that the account is marked Fraudulent, and funds will be delivered to me around XX/XX/year>2024. Visited the branch again on XX/XX/scrub>/2024. I was then told that the check deposited in the amount of {$1000.00} will be held by the bank and I wouldn't be able to claim those funds. 

The issuer of the check ( XXXX XXXX XXXX XXXX of New York ) verified that the funds were delivered to my account in Citi bank. 

I tried to resolve this with the bank but no luck. Every time I spoke to someone at the bank, I was given the wrong information. 

I need to get my money {$150.00} and {$1000.00}.