23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am writing my concerns regarding the accounts I found in my credit report. They are not mine and I do not recognize them. My memory does not have these items at all, and I think I am victim of identity theft because its obvious if these accounts are not mine. 

I am talking about these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/XXXX, I charged XXXX for XXXX XXXX ( {$99.00} + tax ) to credit card ( Citi AAvantage ). I never received a statement. I did not pay the amount because I pay bills when I receive a statement. 

I received a letter in XXXX XXXX, dated XX/XX/XXXX saying the account is past due and may be referred to a collection agency. This was the first notice that I received telling me that I has an unpaid balance. 

I called to see what this was about. I was told that I owed 4 months of late fees at {$20.00} per month, plus interest. I spoke with three different representatives of Citi -- each at a higher level of authority. They will not give full names. Each told me that they could only cancel one late fee of {$20.00} plus some interest. I was told the remaining balance was {$83.00}. Since I have never received a statement, I could not verify this amount. I decided to pay {$85.00} to make the hassle go away. 

On XX/XX/XXXX, I received a statement from Citi. It shows a payment of {$190.00}, consisting of the {$100.00} plus {$85.00}. The statement shows a remaining balance of {$32.00}, which includes another {$2.00} of interest. I called and learned that Citi decided they would not rescind the {$20.00} late fee and interest, as I had been told over the phone. They now demand an additional payment of {$32.00}. 

My experience is frustrating but the BROADER QUESTION IS WHETHER CITI IS CONDUCTING A SCAM WHEREBY THEY FAIL TO SEND OUT STATEMENTS, THEREBY TRIGGERING MORE LATE FEES AND INTEREST. In other words, is my experience the tip of the iceberg?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and that the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by my nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting. I previously sent a letter addressed to the Credit Bureaus with the same message, requesting the removal of the unauthorized inquiries. I also previously requested proofof verification bearing my signature to support the Credit Bureaus claims that the dispute inquiries belong under my name. Once again, I need the following inquiries deleted as soon as possible : 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 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
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX around XXXX XXXX I posted a listing to XXXX for my couch. I was asking {$1000.00}. Somebody contacted me and said they'd not only buy it but they'd pay for a mover to pick it up. They emailed me a check for {$2500.00}. {$1000.00} for me {$100.00} for me to hold the couch and {$1400.00} for the movers to pick it up and bring it to their son 's house for his birthday. I deposited that check. They said that the movers wanted to be payed before pick up. I called my bank, the XXXX XXXX XXXX XXXX, and the bank told me the check had cleared. I thought that the word cleared meant that the money was officially mine, so I payed the movers a holding fee of {$500.00} out of that {$2500.00} check. The next day, XX/XX/XXXX, they wanted me to send the remaining movers payment, so {$900.00}, but not using the original means of payment which is a XXXX   XXXX app called Zelle. I thought that was very strange that I had to pay these movers before the job was done. And they wanted me to wire the {$900.00} to a person in Kentucky using a XXXX money transfer. I said that was odd and they then begged me to try XXXX, XXXX, and XXXX XXXX. I knew something bad was happening and I said no to each. Each time they gave some excuse and a new username to send the {$900.00} to. I called my bank because I was suspicious. They told me I had been scammed and that the check would likely bounce. In the event of that happening I would be legally responsible for the {$500.00} that I sent over the XXXX XXXX app, Zelle. Sure enough the check bounced and I was negative {$500.00}. I froze my account to keep anything else crazy from happening. I called Zelle trying to cancel the transaction and Zelle said they couldn't do that and they weren't responsible for the transaction, but the woman on the phone barely spoke English and I doubt she understood me. I went to the police and filled a report and made a statement. They transferred my case to a detective in the fraud unit and I'm waiting to hear back from them. I was working today and I went to check my account. I had spent {$97.00} when I thought I had just made {$1000.00} selling my couch, so that makes sense. I sent {$500.00} when I was scammed and the bank says I'm responsible for that. But now it says I owe another {$2500.00} for a total of like {$3000.00}. That doesnt make sense to me. I can see how the {$2500.00} check was deducted from my account, taking my balance from {$2000.00} ( remember that I payed the " movers '' {$500.00} ) down to a negative {$500.00}. However now my balance says its negative {$3000.00}. How is that possible? I've called every phone number connected to the bank and each time they say I'll get a call back when the bank isn't busy .... but I'm still waiting for that call and it the mean time who knows what's happening to my bank account.
Product: Money transfer, virtual currency, or money service

Sent the money on XX/XX/XXXX. It was supposed to be an instant debit card transfer. I followed up to say it was not delivered and they said to wait 72 hours. The recipient didnt get anything. Followed up again on XX/XX/XXXX. They said it shows delivered. They said they would investigate. They sent an email XX/XX/XXXX saying the money was delivered and they will send transaction id from XXXX XXXX and they are closing the case. I never received the confirmation nor the money back. Checked with recipient and was not received. On XX/XX/XXXX, I emailed video of recipient bank transactions and to ask for a refund. Called also to follow up. They still claim it was deposited but it was not and telling to wait for another call back. I managed to send money another way and just want my money back.
Product: Debt collection

I received 3 calls to my cell phone on XXXX/XXXX/2016 and 2 more today XXXX/XXXX/2016 from Pioneer Credit. There have also been calls to my sister 's cell phone, my parents ' home and other calls to cousins, aunts, in-laws, etc. I am not the holder of this debt, but Pioneer Credit continues to call in an attempt to find the debt holder. I told the caller to stop harassing my family. Hopefully it will stop as the FDCPA only allows them one communication per person ( which they have already exceeded to many of the above mentioned persons ) and they must stop if told to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have different people running my credit for no reason and have a fraud using my account of a credit card for capital one
Product: Debt collection

I reached out once already via the cfpb group. This company still has the incorrect information on my credit report. Nothing has been corrected. Originally they said the closed paid via settlement was instead reported as a payment via my credit report. It then took almost XXXX more XXXX to mark as paid and its still incorrect on my credit report. It is still showing as open. Whenever I call the company Im either hung up on or given the wrong information and given another companys number to call when they are not even involved. I will keep reaching out to have my credit report fixed. It should say the same thing across the board to all XXXX bureaus and it doesnt. It should be marked CLOSED.
Product: Mortgage

We recently had insurance unjustly forced on us by Everhome Mtg. We had provided proof of insurance in a timely manner plus XXXX more times after that, because of XXXX subsequent threatening letters from Everhome Mtg., advising that they had no proof of insurance, and, that they were proceeding with the forced insurance. After an exhaustive effort, we finally compelled them to remove this unjust instrument. Our XXXX insurance agent advised us that Everhome Mtg. admitted to receiving all of her prior email/faxes documentations ( the cover letters I attached below ). The problem we have is that this happens every year. I discussed this issue with Everhome 's " escalation '' department. She advised that they have no supervisors or quality control. Her recommendation was to just to " keep calling '' until they acknowledge our proof of insurance. Since the employee I talked to has no record of the problem, it is unlikely to be solved between them and me alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my Experian FICO score and it is very low compared to other credit agencies. I checked the reason for the score and the following is their reasons. 
1. Serious Delinquency. I admitted this is true because I co-signed for a mortgage for my daughter and she failed to me her obligations, I still had to pay over {$35000.00} to pay off mortgage. 
2. Few Accounts paid on Time. Baloney, When I receive a bill I send out a check the very next day without fail and have been doing this for 20 years. Even the records of my accounts with Experian shows every credit card and loan has been paid on time. 
3. No load activity. If I don't need a loan why in the world would I apply for one.? 
4 No credit card activity, Baloney, I buy from XXXX at least 2 times a week and use my credit card. This has been going on for years. 
Experian wants me to upgrade to their higher credit plan that cost additional money and I refuse to do so, so they continue to lie about my credit score and fico score. They should be investigated and shut down NOW
Product: Credit card or prepaid card

Hello, I have a Costco Citi Visa. I usually make my payments through the phone. However, I decided to download the app and make payments online. I made a XXXX payment using my checking account and routing number. A week later I received an email day the bank didnt recognize the account. I immediately called Citi. Together the Citi rep and I called the bank immediately and verified that there was plenty of funds. The first Citi Rep checked and confirmed the account was the same checking account number that I used for pervious payments and didnt know why that happened. So while I was on the phone with her I made an XXXX payment over the phone. 

I tried using card and it didnt work. I called and the Citi Rep said I had to wait 48 hours. I waited 48 and checked my account to make sure funds were cleared. Again declined.

Called again they said there was a hold on my account for another two weeks due to the returned check. 
After a much to long conversation, we called bank again verified that the XXXX was cleared and Citi rep said they would get the hold off In a few hours as well as credit the {$29.00} return check charge. 

This morning a called to double check and the automated service said my account was closed!! As you can imagine how very upsetting this was for me. I called for the 3rd time and spoke to the supervisor of the supervisor. Again after a much to long conversation he said he would put In a review request to reopen account. 

I feel that the online payment system is flawed. It shouldnt accept an incorrect account number. How was I to know I keyed in 1 wrong number. I went on the app to find where I had keyed in the wrong number it only shows last 4 digits so I couldnt verify the number myself. At that point I had to cancel the monthly automatic payment I set up in fear it was the wrong number. 

Lastly, I just tried to log in my account to see what online payments I set up with other providers/vendors were paid and they locked me out!!! 

The way Citi Costco has handled this situation On tip of closing my account is so wrong in so many ways. 

1 ) The closer will negatively affect my credit score 2 ) in order to requests the account be reopened they will have to do a credit inquiry which will also negatively affect my credit 3 ) I had set up many of my payments for auto pay with this card that I now have to cancel 4 ) it has been humiliating getting calls from medical providers and vendors for declined payment. 
I hope you can help me and get Citi to change their online app payment protocol. I cant imagine I am the only one who has accidentally entered one wrong number of their account number I can choose to walk away, let it go and apply for a new card but I feel that this business practice is wrong and hurts customers. Not to mention we are in the middle of a pandemic and it would be nice if they could provide better business practice!
Product: Credit card or prepaid card

On XX/XX/XXXX a balance transfer was initiated with XXXX XXXX credit card which is owned by Barclays Bank. A request was submitted to transfer {$3000.00} to a XXXX XXXX credit card account to take advantage of a zero percent interest offer made by Barclays Bank. The funds posted to the Barclays account as being transferred, but never made it to the XXXX XXXX account. An investigation was started at Barclays Bank on XX/XX/2019 ( Case # XXXX ). No corrections were made to the account and a second call was placed to Barclays on XX/XX/2019. Barclays advised they would escalate the investigation and gave the same case # as reference for their investigation. No corrections or contact has been made again, so a third contact was made on XX/XX/2019. The Operator on the call that day ( Oper ID # XXXX ) advised the case would again be escalated. When asked to speak with a supervisor the operator advised none were available to take the call. She also advised the issue would be resolved in 24-48 hours. Another call was made today ( XX/XX/2019 ) and still no resolution. Spoke with two separate supervisors ( XXXX and XXXX ). Between calls with them, contact was made with XXXX XXXX customer service to see if they could help in any way. XXXX XXXX requested information on what account number the transfer had been sent to, how the transfer was sent ( check or electronic transfer ), and the date when the transfer 'cleared '. The representative from Barclays ( XXXX ) was only able to say that the 'back office ' was handling this and to give them another 7-10 business days before calling back again. It is completely UNACCEPTABLE that Barclays Bank ( XXXX ) is unable to confirm where this money has been sent after more than 6 weeks and multiple calls to them. Also contacted XXXX XXXX again and they advised no investigation can be opened on their side to locate the funds even with the information gathered ( the transfer was electronic, it 'probably ' cleared on XX/XX/2019 - but this can't be confirmed because they won't look up the account number that Barclays shows the funds were transferred to ). Because funds are not in my account they will not open any investigation to find the funds and continued to refer me back to Barclays Bank. 

Please advise what else can be done to fix this issue as neither bank is providing service to locate the missing funds!!
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXXXXXX 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 XXXXXXXX XXXX ) # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX ( TBOM/VT ), account # XXXX, Amount {$300.00} has violated my rights! 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
Product: Debt collection

This account was opened without my permission as a result of identity theft. I have a security fraud alert of with the credit bureaus. And I was not notified until I started to receive harass calls calls. regarding this account. This is not my account
Product: Credit card or prepaid card

This past summer, there were 3 or 4 payments I made to my Home Depot Commercial Credit Card that were mistakenly credited to someone elses account. Citibank ( who handles Home Depot Cards ) did finally credit my account with those misplaced payments. However, they reduced my credit line from {$5000.00} to {$600.00} because of a formula they use to determine credit limit which includes late payment history. They do admit that they posted my payments to the wrong account but will not put my credit back to the original level because they said I was still delinquent! Also, when I asked a manager to call me to discuss, she refused to give me her name or the contact information for me to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX
Product: Student loan

My student loan servicer is MyFedLoan.org, and I have been inquiring about the reason for my interest being capitalized several times over the past several years. I understand that there are certain triggering events that could cause interest to capitalize, such as coming out of forbearance. However, the dates on which my interest was capitalized do not all seem to be supported by a valid reason ( although a couple of them do ). I've called a few times and submitted requests in writing to have someone research my account and tell me the justification for capitalizing the interest, but I have not gotten an answer - it's been a year. The interest capitalization represents around {$100000.00} so it's not inconsequential. I would appreciate some assistance in helping me ensure that my student loans are being properly serviced. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix the names and addresses on my credit. Transunion and XXXX and XXXX won't delete these wrong names and addeeas off my credit report. 

Can someone please help me remove these wrong addresses and alias names that are not me from my report
Product: Credit reporting or other personal consumer reports

These accounts do not belong to me, my information has been compromised I did not open these accounts XXXX XXXX. SYNCHRONY BANK 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

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 I looked at my XXXX credit report on XXXX XXXX2025 and noticed some things are incomplete and not accurate. And 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 15 USC 1681s-2 they are supposed 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.