23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Simply the issue is that Citi has denied a credit limit increase after numerous times of requesting. They even as went as far to send a promotional mailer in my email and my mailbox to push me to request for an increase to which was of no avail. 

Citibank doesn't have to issue an increase as they have the right to deny so however I've attached the documentation below that indicates the " reasoning '' as to why I was denied multiple times despite being pushed to do so. Apparently based from their system I have a late or missed payment with a lender which is false. I've reached out to Citibank for clarification as they were based this reporting off a report from XX/XX/2023. 

The issue here is first Citibank is using an old report from XX/XX/2023 instead of recent credit reporting. Second is the fact the information obtained was false and inaccurate, as no lenders or any of credit bureaus was able to confirm or locate any " missed/late payment or delinquent accounts ''. Third, I'm being mailed this promotional push when clearly Citibank is denied multiple times for no valid reason based on the dating of the XXXX requests when they were made. Lastly is the fact I spoke to managers multiple times for an explanation as to the XXXX issues highlighted here to which they simply stated to check with credit bureaus and lenders which I had done multiple times before asking for an actual resolution.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

On XXXX/XXXX/XXXX I paid Santander, via XXXX certified check, {$1300.00} to close my automobile loan account # XXXX. On XXXX/XXXX/XXXX, a recurring withdrawal in the amount of {$240.00} was debited from my XXXX account and posted to my 'closed ' Santander account. On XXXX/XXXX/XXXX, XXXX credited my checking account {$240.00}, pending investigation. On XXXX/XXXX/XXXX, XXXX reversed the credit to my checking account. When I inquired, I was told by a XXXX customer service representative that a representative from Santander confirmed the charge as valid. Since, XXXX/XXXX/XXXX, I 've spent hours on the phone with XXXX and Santander to correct this situation to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

i personally submitted this request to all three credit bureaus. I went to XXXX XXXX in XXXX XXXX to apply for a lease and was denied due to accounts reporting negative on my credit report that are not mine. I saw on my credit report these accounts that are not mine as follows : ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX ). I never opened these accounts, nor did I authorize anyone to do so. These accounts are not mine, and I never possessed any goods, money, or services from these accounts being opened. I filed a police report with the XXXX XXXX Police department, as well as adding a fraud alert to my account.
Product: Credit card or prepaid card

I am the owner of AMEX credit card and charge card, I do get some welcome bonus, which is Membership Rewards earlier. At the beginning of XXXX, I was tried to transfer some Membership rewards to XXXX XXXX miles, but it shows " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' Meantime, I tried to fix this problem with AMEX MR team many times, they all gave me same response, " we can not do anytime about it " " you have to wait until the process done '' I also ask how long it will be taken, customers services always they are not sure how long it will take, this is very SAD!!! because of this REVIEW, I missed two trips with my friends. Today, ( XX/XX/2018 ) I am still trying to fix this problem with customer service, and I still get the same response, ( I can not do anything for you ), then I ask for speak with the supervisor, I hope the problem will be getting solved, BUT the supervisor say exactly the same words to me as well. THIS IS SAD, VERY DISAPPOINTED!!!! 

I am so sorry I do not know how to organize my words because of my limited English.
Product: Mortgage

First Financial withdrew a extra {$200.00} January 11, 2023. My normal mortgage payment is {$520.00}. I called First Financial and was informed there was a {$1500.00} escrow deficiency re property tax though the XXXX XXXX treasurer confirms my bill is almost {$400.00} LESS than First Financial estimated in XX/XX/XXXX. When I spoke to FF they also confirmed the lower tax number and then one rep implied I would be paying {$200.00} per month I definitely thought the deficiency was fixed at {$1500.00} meaning after 7-8 months it should end the extra payments of {$200.00} and I should return to regular payments of $ XXXX per month. It is obvious that FF bank processes are completely flawed in how escrow and property tax are calculated. I want a full explanation of how many extra payments are due to cure the {$1500.00} alleged deficiency and a reassessment of ACTUAL property tax VERSUS ESTIMATES FROM XX/XX/XXXX. At a minimum, FF practices are unethical and maybe illegal. FF claims it will investigate and call me back by XX/XX/XXXX. I do not trust FF so I am document this in a formal complaint to ensure they respond and fix this. Listen to the recorded call.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information contained in my consumer report provided by your company. As a veteran, my information is protected under laws that safeguard against breaches of personal information, including the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Texas Fair Credit Reporting Act, Tex. Bus. & Comm. Code 20.01 et seq. 

I am requesting the following corrections : XXXX. The late payments reported on my XXXX XXXX  XXXX XXXX  account in XXXX and XX/XX/year> were the result of a natural disaster ( severe storm ) that caused the city of XXXX to be shut down. Per the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and ( B ), creditors are prohibited from reporting negative information that is the result of circumstances beyond the consumer 's control. Additionally, these late payments are over XXXX XXXX XXXX and exceed the XXXX reporting limit under the Texas Fair Credit Reporting Act, Tex. Bus. & Comm. Code 20.05 ( a ). I am requesting these late payments be removed from my credit report. 
XXXX. The charge-off accounts reported, including XXXX XXXX and XXXX, do not have the required Form 1099-C, Cancellation of Debt, documentation from the creditors as mandated by the Internal Revenue Code, 26 U.S.C. 6050P. Without this documentation, the FCRA prohibits these charge-offs from being reported on my credit file. I am requesting these charge-off accounts be removed. 
XXXX. My full legal name is not the hyphenated version that is currently reported. Under the FCRA, 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. The reporting of my name in an inaccurate format does not meet this standard, and I am requesting my name be updated to the proper legal name. No other variation is accepted. Please investigate this matter and provide a response within the 30-day timeframe required under the FCRA, 15 U.S.C. 1681i ( a ).
Product: Debt collection

They are using automated robocalling to mass calling me multiple times per day.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I applied to XXXX XXXX XXXX XXXX XXXX for a VA Loan. At the time, I had a temporary freeze on my Equifax and XXXX reports, but not on XXXX. When they pulled the report, they were unable to access all three bureaus because of the temporary freeze. That day, I temporarily lifted the freeze on both XXXX  and Equifax thru XX/XX/XXXX and confirmed that there was no freeze on XXXX XXXXXXXX XXXX tried to pull my credit report the next day ( because they said they have to wait 24 hours ) and were only able to pull XXXX At the same time, XXXXXXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  were able to access all three reports. On XX/XX/XXXX, I permanently removed the freeze at XXXX  and Equifax, before my temporary lift expired, and again confirmed that there was no freeze at XXXX I asked XXXXXXXX XXXX again to pull my reports. They continually say they can only pull XXXX On XX/XX/XXXX I asked them to have their Technology team make sure there wasn't an issue in their system preventing them from pulling the other two bureaus. On XX/XX/XXXX, they responded that their Technology team has verified that there is no problem with their system. As recently as today, XX/XX/XXXX, they say then can not pull the other two bureaus. On XX/XX/XXXX I called Equifax, who confirmed for me that my personal data is correct and that there is no freeze or block of any kind on my report. They stated that if XXXX XXXX  is entering my name in a manner differently from what they have on file, that could be the problem. I have been unable to reach anyone at XXXX or at XXXX XXXX to check the same info on my TransUnion report. I am currently being denied credit by XXXXXXXX XXXX on the sole basis on the one bureau they can pull, XXXX where my score for mortgage is showing as XXXX. XXXXXXXX XXXX says their threshold for approval is XXXX. Three of the lenders who have successfully pulled all three bureaus have confirmed that my median score is the XXXX score that XXXX can not access, at XXXX. Meaning my Equifax score is also higher. Because XXXXXXXX XXXX can not access two of the three bureaus, I am being wrongly denied credit that they have acknowledged I would qualify for based on my median score exceeding their threshold. XXXXXXXX XXXX has told me that because they have tried to pull three different times and only come up with the one score, they can not try to pull my full tri-merge report again.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


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

I had called XXXXXXXX XXXX to inquire about a home loan and they did a hard pull on my credit report without my authorization.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report Dear CFPB, I am writing to formally dispute the reporting of late payments associated with the above-referenced account on my credit report. Upon reviewing my credit reports from XXXX, Experian, and XXXX, I identified discrepancies that are both inaccurate and harmful to my credit standing. The late payments reported are not reflective of my actual payment history. Specifically : XXXX and Experian reported three 30-day late payments for XXXX, XXXX, and XX/XX/XXXX, while XXXX shows no reported late payments for this account.

Experian removed one late payment upon a previous dispute, and XXXX has now updated the account to reflect " none reported. '' Reason for Dispute : The reported late payments for XXXX, XXXX, and XX/XX/XXXX do not align with my records. Based on my financial documentation and bank statements, all payments for this account were made on time and as agreed.

Violation of the FCRA : Pursuant to the Fair Credit Reporting Act ( FCRA ) : 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) : Consumer reports must not contain inaccurate information about transactions or experiences.

15 USC 1681i ( a ) ( 7 ) : Upon request, you are required to provide a detailed description of the procedures used in your investigation of the disputed information.

Action Requested : Investigate this account and update all late payments for XXXX, XXXX, and XX/XX/XXXX to reflect a status of Paid As Agreed, Never Late.

Provide a description of the investigation process and evidence used to verify the accuracy of the reported information.

Remove any negative notations associated with the late payments on this account.

If you can not verify the late payments, please provide the procedures and evidence used for the verification. Failure to provide this information within the legally mandated timeframe will be considered a violation of the FCRA, the Consumer Protection Act, and the Truth in Lending Act.

I expect a written response within 30 days from the receipt of this letter. Thank you for your prompt attention to this matter.

Sincerely, XXXX XXXX XXXX
Product: Student loan

Fed Loan Servicing company manages my school loans, and I have not been able to make payments due to the high payment. I tried to submit applications for different repayment plans, but each plan calculated payments based off income before taxes. We are a family of 6 and depend on one income, but because my husband makes six figures, the payment is too high. The problem is that they calculate payments based off of an amount that we don't receive, and makes it difficult for me to make payments.
Product: Debt collection

Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE AND DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY PROFILE : XXXX XXXX XX/XX/XXXX AND XXXX XXXX XX/XX/XXXX, ALSO PLEASE REMOVE AND DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY PROFILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IAM A VICTIM OF IDENTITY THEFT.
Product: Debt collection

This attempt to collect a debt that is not mine. This company contacts me by being served at my home. On a car I had 7 years ago the car was repoed 7 years ago. The company I got the car from went out of business 7 years ago. I had nothing to do with this car after that. Until this year I got served saying I owe money for it being stored and towed off the streets in a whole other county I dont live in and I have had nothing to do with this vehicle for the last 7 years. This place called Kelstin Group is now withholding my income. Please help me. I have talked to DMV and the company trying to sue me. Dmv says they have no right to sue me over a repo they took and I have nothing to do with.
Product: Credit card or prepaid card

I applied for the American Express XXXX XXXX XXXX ( XXXX ) on XX/XX/2022 and was denied.
Product: Mortgage

Freedom Mortgage company wrongly foreclosed on my home on XX/XX/XXXX, sold my home, took me to court and had me evicted in XX/XX/XXXX. While on appeal Freedom Mortgage recinded the foreclosure and put the ded back in my name on XX/XX/XXXX. After great expense on my part to prove it shouldn't have happened. Now Freedom Mortgage has called me on XXXX XXXX at XXXX promising to resolve the situation to get my home back in right standing due to the fact my loan modification application was never processed from XX/XX/XXXX. I was told by Freedom Mortgage that she would be speaking to their attorney and she would call me back ( XXXX ID # XXXX ). No call was returned I called on XX/XX/XXXX XXXX and was told they were going to look into it no return phone call. All the while Freedom Mortgage still has my eviction in appeals court. So I myself am tracking down their XXXX attorony trying to get him to drop the appeals case due to the recission because Freedom Mortage didnt notify them which I finally got done on XX/XX/XXXX and dealing with the second attorney to complete the recission. Then on the same day receiving the new foreclosure document on the same day. Worried about being escorted from my home all while this company keeps saying what they are going to do but to no avail its doesnt get done. Now here it is XX/XX/XXXX Freedom Mortgage files to foreclose on my home again. No one at this company has reached out to rectify this situation since we first started this issue in XX/XX/XXXX. They refiled the foreclosure with no ceritifed mailings for default or intent to accelerate loan. The recission was to put me back in status before the forclosure which means they need to go back to XXXX when they were ignoring my loan modification application while telling me in XXXX they had all the paperwork and I was waiting on a response, all the time foreclosing on my property. How does a mortgage company have the right or the buisness practice to operate in this manner. This feels like a grift and it is pressing on me as a home owner. I wouldnt recommend this company to anyone. Due to the stress mismangement, poor communication and pratices Freedom Mortage really needs to handle this situation in my favor.
Product: Checking or savings account

on XX/XX/XXXX I went into my Bank Bank of America located XXXX XXXX XXXX XXXX, NY XXXX to initiate a wire funds transfer to a friend in XXXX. The process was handled by a bank employee the obtained my personal credentials to verify who I was and completed the paperwork I had to sign those papers to affirm it had requested the funds wired. The only way I have ever done a wire has been in person at the bank. on XX/XX/2022, when I was on my mobile app I noticed the funds in my account were lower than they should have been, and with further research, I noticed 2 other wires were done from my business checking account on the same day I went to the branch to do the wire in person. when I realized the problem I call my bank and open a fraud report and was told that it need to XXXX investigated by their fraud unit and was given a claim # and was told it would take 45 days to complete the investigation. Later went into the branch to let them know what happened to my account and was told by the manager that there was little she could do the Fraud unit would be in charge.I had to go into the branch because the fraud unit suggested I close the compromised account and reopen a new account and with the remaining fund being frozen the branch would help transit the remaining funds to a new account that I had to open. At that time the bank manager also suggested me to file a police report. a week after reporting to the fraud unit I continued to call and follow up on my claim and I asked for paperwork to be kept apprised of their status in that time I went to the local police station to file a theft report and was told that I needed an affidavit from the bank on my loss. I requested numerous times from the fraud unit for the affidavit to be emailed and was told on 3 separate occasions I would be receiving it shortly along with a status report from the person doing the investigation. It's important to note I can only speak to the fraud unit about my situation and the Bank Branch offers no remedy or advocacy on my behalf not to mention any time you call your hold for 45 mins to upward to 2 hours and 10 mins if you can believe that. I have asked for some consideration to partial reimbursement of my monies to allow me to conduct my business which they have declined to do so. Making matter worse this Friday I spoke to someone who see all of my notes in the file and informed me that 1 ) the time period would be 90 days, not XXXX 2 ) no written report can be sent out until the investigation is completed 3 ) and no affidavit can be given until the investigators complete his findings. I feel as if the entire time of their investigation I have been lied to and given false answers
Product: Money transfer, virtual currency, or money service

I have a personal and business paypal accounts to receive payments for my freelance job. Paypal put permanent limitation on my personal account on XX/XX/XXXX XXXX so i created a business account. They said I violated their policy however they are not willing to disclose what specific violation i committed. My business account was on permanent limitation on XXXX XXXX. I have {$51.00} balance in my personal account. For my business account, i have XXXX, {$310.00} and XXXX balance. Paypal told me to wait for 180 days and they will release my money. I waited for 180 days however paypal already took all my money. I called customer service but they said that there is nothing that they can do. I submitted all the documents that they asked for before but nothing happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigations results.
Product: Checking or savings account

I opened a CD on-line with TD Bank - 12 month term 5 % rate for {$25000.00}. I transferred the funds directly from XXXX XXXX  XXXX XXXX Account to TD bank. I was not able to sign on to my new TD account on-line so I called the help number and was told that fraud was suspected so I needed to go into a branch office with photo ID. I made an appointment and visited my local branch ( XX/XX/2023 ) and was told that the CD I purchased was only available to customers with a checking account AND that despite the fact the the funds were taken from XXXX XXXX  XXXX XXXX account they had not yet shown up at TD bank and I needed to wait XXXX business days for the transfer to take place. 

I noted that a ) there was no place on line that indicated that a checking account was required to open a CD ( This is clearly deceptive advertising ) ; b ) I do not have access to my savings ( {$25000.00} ) ; and c ) I XXXX hour in the branch office as multiple staff attempted to sell me alternative investment vehicles.