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

Got a citi XXXX XXXXXXXX credit card with a $ XXXX limit, went to make purchase for {$4100.00} in airline tickets for my parents to come visit me from their home country, a once in a lifetime trip. Citi declined the transaction for fraud ( okay ), we called they " cleared the card '' ... processed again.. declined.. we repeated the process over and over. We were on the phone with Citi for over 3 hours, between getting hung up on multiple times, lied to, mis led, and never getting a resolution, the last seats on the flight were purchased, and the next best alternative was for over {$8000.00}!!!! Citi feels they have done no wrong and do not owe any explanation. I am not Theo only one who has issues with Citi, they are the worst bank, and the customer service agent even hinted the transaction may be declined because we are trying to purchase tickets for another airline and use an XXXX  card. This is ridiculous and Citi ridiculed us when all we wanted to do was be approved for a transaction. Our business and time and effort meant nothin to this joke of a bank.
Product: Credit card or prepaid card

On XX/XX/XXXX, I contacted the bank via phone between XXXX and XXXX to determine if a payment I'd made on XX/XX/XXXX while logged into my online account had been posted yet, or was about to be posted. I spoke to a rep named XXXX XXXX, who said he was in Maine. He said he had to authenticate my account before he could help me. He asked me for the 3 digit code on the back of my card, which I provided. He asked me if he could send a code to my email account but I told him my computer was not turned on yet. He then said he'd have to try to authenticate my account another way. He asked me when was the account opened. I told him I didn't remember but the account currently had a 0 % interest promotion that expired in XX/XX/XXXX, and I remembered that I opened the account about 15 months prior to that. He said he didn't have a XXXX calendar, and asked if I have one so I could provide him with the month/year I opened the account. I told him no, I didn't have a calendar and don't remember the month/year I opened the account. He then asked for my drivers license number, which I gave him, but he said even with that info, he still couldn't authenticate my account. I asked him why couldn't he just ask me for my password, or ask me info that's in the public domain, and he said no, it's not done that way. He also said that since he couldn't authenticate me, I'd have to call back to start over. I asked to speak to a supervisor, and he said someone would have to call me back. It's now XXXX and no one has returned my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to XXXX, XXXX and Experian Credit Bureau. I've submitted 4 disputes with these Bureaus about inaccurate data being allowed in my credit report even after disputing. I also included sections of the FCRA citing how they are required to report correct data and to delete inaccurate data. This data has been in my report for years and now XXXX, XXXX and Experian need to comply with the FCRA. 
The accounts are : XXXX. XXXX XXXX XXXX XXXX payments with erroneous rating key. Stating 90 days late for XX/XX/2018 but Ok=current for the three months prior. 
2. XXXX XXXX collections accounts ( 2 ) allowing reporting of a higher balance original than the creditor amount. Having a past due balance and at times a monthly past due as a collection. 
3. XXXX XXXX disguising as a new creditor and reporting an open new account. 
4. XXXX XXXX XXXX XXXX XXXX & # XXXX as open accounts with a past due and monthly past due as a collection. 
5. XXXX reporting a balance 100 % over the original credit limit ; has a past due balance and at times reporting monthly past due. 
XXXX XXXX XXXX XXXX XXXX disguising as a new creditor with an open account. Balance higher than original creditor amount ; past due balance and at times reporting a monthly past due as a collection.

7. To delete all negative remarks- as its not a true reflection on their erroneous reporting.
Product: Debt collection

i was contacted by collection bureau of Kansas via phone i verified who i was and last for address then she kept asking questions about income ... .all before telling me what this was about then was told this was to collect a debt instead of initially something from XXXX or XXXX i explained i filled chapter XXXX bankruptcy she persisted to make claims i stated all my debt were covered not to contact me on this because i do not owe it and disconnected i then received this letter in the mail a few days later
Product: Debt collection

XXXX XXXX is reporting on my credit even though they confirmed they did not have my correct address or information to send the 30 day right to dispute.

I never knew of this until I saw it reporting on credit. I called and paid it and advised them I never received a notice, they confirmed they had the wrong info.

I don't understand how they can just report whatever they want whenever they want.
Product: Debt collection

I have reached out to then to come and pick up these things. I also have insurance and apprently they aren't compliant and sending this information over, Won't hand over the information in regards to the benefits within the contract. I have also seen where there is a class action lawsuit, I have also asked for a copy of the contract which they fail to send.
Product: Debt collection

Disputed the debt several times and the debt is passed it statue of limitations. The creditors no longer have the debt on my credit report but the collection agency reaged the account and refuse to take it off my credit report. The amount was {$940.00}, they are violating my rights! I have diputed this account over a year now! Last letter they sent was XX/XX/2016!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX charged off the account I held according to 15 USC1681 ( e ) ( b ) If a debt has been charged off the creditor is obligated to provide a form 1099 C Cancellation of debt which indicate the debt has been forgiven and is now considered income for tax purposes I HAVE NOT RECEIVED A 1099 C Never
Product: Debt collection

Recently became aware of a derogatory item that has been reporting inaccurately on my credit report since XXXX. On XX/XX/XXXX of XXXX I moved out of XXXX XXXX apartments after satisfying the requirements of my lease. I had signed a 12 month renewal that began on XX/XX/XXXX and expired XX/XX/XXXX. I lived there from XXXX until moving out in XXXX. Prior to leaving, I provided written notice as requested in the lease agreement, and also made sure that the apartment was left in a better condition than when I moved in. After cleaning the place top to bottom and taking pictures of each room, I left for good. It was only recently that I found out that National Credit Systems has a collections account for almost {$2600.00} that I was never made aware of under my rights of the FDCPA. I contacted them directly to dispute the debt and they sent me a copy of my lease along with an itemized claim of inaccurate damages. First and foremost, for over 4 years now they have inaccurately reported the creditor as " cross lakes apartments ''. On top of that, the claim is for 2 months of unpaid rent and late fees for the months of XXXX and XXXX of XXXX. My lease expired in XXXX! Why am I being harassed for 2 months of rent payments that I was no longer liable for? Third, all of the miscellaneous cleaning fees claiming damages outside of normal wear and tear are just a joke. I have photos to this day that show a complete different story. The bedrooms, bathroom, living room and kitchen were all immaculate when I left and photographed them. Furthermore, I lived there for 5 years, and I know that the carpet is replaced after a tenancy of that long. Charging {$150.00} " carpet cleaning fee '' is absolutely ridiculous after I had paid a cleaner to come do it prior to leaving. On top of all of this, they had the audacity to add on a {$730.00} " collections fee ''. I asked why I was never provided written notification of the debt as required by federal law, or allowed the opportunity to dispute it before now. I was told by the representative that they " called and left messages ''. I asked what phone number they were calling and she gave me phone numbers that belonged to my relatives. She told me that they didn't have my address to send me written notice. I advised her that by law they are required by law to provide WRITTEN notification, as well as ensure the accuracy and validity of the debt being claimed in order to legally report to the credit bureaus. I reminded her again that they didn't even have the name of the original creditor correct that they have been reporting for nearly 5 years now, as well as attempting to collect debt that is not legally owed due to being outside the dates of my contract. I requested immediate deletion of this due to being in blatant violation of the FDCPA and being inaccurate and unverified, but the representative refused to comply. I have reported to the XXXX   as well, and am preparing to exercise my legal rights to recover any damages to which I may be entitled.
Product: Debt collection

MRS BPO {$510.00} According to FCRA section 605B, it is illegal to report information on my credit report without my permission. Please remove from my credit report. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies such as ( trans union, XXXX, XXXX, XXXX XXXX, XXXX XXXX etc ) are reporting accounts, dept, and public records on my personal credit reports that do not belong to me.
Product: Credit reporting

I gave a months notice and I moved out of a house. The room mates stayed and did not pay rent and received a judgement against them and my name was attached to it even though I moved out. It has killed my credit and would like my name taken off the judgement and restore my credit above what it is now. I have a letter from the attorney for the homeownerto take me off the judgement. Thank you XXXX
Product: Student loan

I asked my loan servicer, Mohela, for payment history information related to student loans the company serviced between XXXX thru XXXX. The loan servicer, Mohela, informed me that their records showed I was in forbearance or deferment status during times when I was actively in repayment status and making payments on my loan. I have 1098-E tax forms from XXXX, XXXX and email confirmation from XXXX and XXXX showing that they auto-debited student loan payments from my account. I have asked them for complete payment history which they have not provided and it appears they have inaccurate records regarding my payment history and repayment status periods with them. This has impacted my ability to obtain loan forgiveness under the Public Service Loan Forgiveness program.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I was awarded XXXX from XXXX XXXX XXXX the money then went into my venmo account I've waited since XXXX for this money and I had to take them to arbitration to get it, 4 days later XX/XX/2023 after spending approximately {$1700.00}, and left on a trip to Missouri I stopped for the evening and was going to upgrade my phones after an hour on the phone with XXXX to tell me that my payment was declined, that's when I found out that my account was frozen now I am stranded out here on my way to Missouri no money no food no gas im sleeping in my car and I'm XXXX i have no money and now they're telling me it's going to take XXXX to XXXX  days
Product: Mortgage

On XXXX of XXXX, I was first informed in my being a party to a class action law suite against Wells Fargo Home Mortgage for " Inspection Settlement Notice '' ; on the matter of Wells Fargo periodically ordered property inspections and appraisals and charged the fees back to the homeowner without the homeowner knowledge or consent, once the homeowner became 45 days delinquent in mortgage payments. In XXXX of XXXX, I received another notice of my being a party to another Wells Fargo class action law suite for : auto dialing customer without the customer consent or agreement during inappropriate times during the course of a mortgage workout. Being I was involved in two class action law suite against Wells Fargo Home Mortgage, I continued to respond to both claims as documents were sent out to me, providing all required documentations for each claim before the deadline that was noted. 

In the matter of the auto-dialing class action law suite I was compensated as promise. In the matter of Wells Fargo Home Mortgage " Inspection Settlement Notice '', I have had an extremely difficult time getting my account history with the appropriate transactions documented listing all 30 transactions of unauthorized drive-by home inspections and 1 unauthorized appraisal for XXXX XXXX. I started requesting my account history on XXXX XXXX, XXXX ; I received these documents XXXX XXXX, XXXX listing a total of 17 home inspections transactions and no appraisal was listed. Although I continued to address this matter with the Offices of the Bank, Assistant Administrator of Wells Fargo Home Mortgage, I submitted these documents listing 17 unauthorized home inspections on XXXX XXXX, XXXX. 
I address and submitted appropriate documents within the time frame allowed to the listed agency, before any deadline occurred in XXXX and XXXX. Because I had not received a response to my multiple inquiries by the listed agency collecting documentation nor by Wells Fargo Home Mortgage on the status of my claim settlement amount ; on XXXX XXXX, XXXX I begun addressing my concerns with the listed assignies. As of to-date, I have not received any communication response from Wells Fargo Home Mortgage nor from the agency responsible for collecting documents to my many inquiries. The listed agency responsible for collecting documents perusing the " Inspection Settlement Notice '' class action law suite have stop updating the outgoing message with information as to were anyone can be reached for further investigation. I also, have not been compensated in any manor for this class action law suite on any of the 17 unauthorized home inspection incidents charged back to my account without my knowledge or consent to agreement.
Product: Credit reporting

I recently brought a new house in XXXX 2015. After buying the house throughXXXX XXXX XXXX XXXX they sold to mortgage to XXXX XXXX. 
However, XXXX is displaying on my credit report, so it shows that I 'm payingon over half millions dollars in debt. The house cost {$220000.00} and it showsXXXX on my report. XXXX has sent an control number ( XXXX ) the Equifax and XXXX XXXX andthey have yet to correct the error. Since I have gotten denied credit because itshows I have to much debt. I request to have XXXX removed or correctedASAP! Please assist me with this issues as the agencies have had over 3months to correct this error
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit Reporting Act, the following creditors have violated my rights under 15 UC 1681 section 6 o 2 states that I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Creditors in Violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/XX/2016 cbna did a hard inquiry and I have no idea why they did it or who they are.
Product: Checking or savings account

My chase account ending in XXXX, was accessed by a third party and significantly depleted, I have had about XXXX dollars currently in dispute with chase. I have taken procedures to make sure something like this would never have the opportunity to form however it transpired and chase is not doing anything to help. I have sent all the evidence available to me and they still will not accept it. My claim number is XXXX
Product: Mortgage

I bought my home in XX/XX/XXXX on my sole income. I had a 30 year mortgage. I paid for 10 years and then ended up getting a divorce. At that time my ex and myself contacted Citi to request her name removed from mortgage. We were told we have to refinance to do so. So in XX/XX/XXXX, I paid off the XXXX mortgage and refinanced in my name, for 30 years. Then taxes, insurance went up causing an escrow shortage at which time they raised my monthly payment another {$300.00}. Wel I paid as long as I could, but started to run into issues. So I contacted lender to see if there was any assistance for someone like me, who struggled through the housing crash, looking for principle reduction and refinance for a better rate. They put me into a loan modification and gave me an amount to pay, {$950.00} for the next 3 months. That was 7 months ago. I have no paperwork saying I am in a modification, and the original mortgage shows I am late every month on my payment and Citi sends letters saying I am behind in the amount of over {$7100.00} now. They email me and tell me they are waiting on title search to come back, but still never send me info on my modification. They have someone leave envelopes on my door to call. When I do, they say 'OK, thank you. Even though I have told them I did n't want to lose my house and I am in it and taking care of the property. Oh and the new loan will be for 40 years. I have researched and seen that Citi has done something similar and stared forclosure behind the owners back. I am worried, frustrated, beat down and mad that after all these years they would treat me, or anyone, this way.
Product: Debt collection

I stated that the debt that way owed is an identity theft on my name plus the statute of limitations on such debt has over ran it's course.

1. Section 16.004 of the Texas Civil Practice Remedies Code. The statute of limitations on debt in Texas is four years. 
2. Section 392.307 of the Texas Finance Code.

3. Title 12, Section 1006.26 and 1006.2 ( i ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX {$18.00} XXXX XXXX  XXXX {$410.00} XXXX XXXX  XXXX {$100.00} XXXX XXXX  XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX as 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: Money transfer, virtual currency, or money service

on friday XXXX XX/XX/2020 when i woke up so i got a message from my bank stating that your balance is below certain amount and that is valid as i set notification request for that but when i checked my account balance so someone has transferred certain amount from my account using XXXX without my consent so at once i went to my bank branch so they said its an online matter so we can not deal with that they gave me phone number for online matters to be dealt with so i called them they there was one lady she said your device is compromised so you need to clean your device and close your old account and open new account so i did and she said in the mean while bank will give you provisional credit of the amount which you lose and bank team will conduct investigation and check i said ok. 
next day when i went back branch with my new phone as according to them someone hacked my phone so the manager was saying that i am calling them but they are not picking phone to remove block from my online account and i told her that i am waiting she tried again so after some time she removed block. Today when i called online banking to know the status so she said your dispute is closed and request denied for provisional credit so i said when i have not done any transaction so this is the banks responsibility to reimburse me for my loss but she said transfer is from trusted device and thats all and i am asking them for the details of the account to which money is transferred so they are saying there is a block on account we can not see details i am so confused what to doo now as its my hard earned income and bank is not taking responsibility and with that i tried to inform cops so cops said we are not technology person and your bank can help you in this matter so please help me i can provide all the details to my knowledge i want my money back
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX. { XXXX XXXX XXXX ( Account number XXXX } balance XXXX Semi Annual data reported to courts on XX/XX/XXXX = Claim amount $ XXXX Balance Owed {$9300.00} Final Payment and Case History reported from the Trustees on XX/XX/XXXX = Balance Due XXXX XXXX XXXX  payment in XX/XX/XXXX to XXXX XXXX ( Lien Holder ) XXXX The payment from XXXX XXXX is greater than the Balance due listed in the Final Payment Case History effective XX/XX/XXXX. 
XXXX XXXX was paid more than the balance due, therefore there shouldn't be balance listed on my credit report. 



I do not have a contract with this company and I don't owe the debt, there shouldnt be a monthly payment for a paid account, No of months ( terms ) should not be listed, the last active, payment status, and last payment date and balance are inaccurate. Please delete immediately. 
I am requesting a thorough investigation into these items, as they are not reported accurately. I have included supporting documents that substantiate my claim ( if applicable ), such as [ The semi report from XXXX from Bankruptcy showing balance owed, the report for dismissal in XX/XX/XXXX showing remaining balance, and letter from XXXX XXXX reflecting payment after dismissal. This vehicle was totaled the overpayment was made, greater than the balance provided to the courts. ] I am actually owed overpayment from XXXX XXXX. 
Please ensure that these documents are taken into account during your investigation. According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe. 

This letter serves as my 3rd formal dispute and its crucial to maintain a record of your communication and update my consumer report to prevent small claims action against your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2020, I have been back and forth with Transunion about unauthorized inquires being reported on my Transunion credit report. I have written them 4 different letters requesting that they be removed to no avail. Since XX/XX/2020, I only recall authorizing 1 inquiry into my credit and that was from XXXX XXXX Visa in XXXX. The following inquires have been disputed as unauthorized several times and remain on my Transunion credit report : XXXX DBA XXXX XX/XX/20 XXXX XX/XX/20 XXXX XXXX XXXX XX/XX/20 XXXX XXXX XXXX XX/XX/20 XXXX XXXX XXXX XX/XX/20 XXXX XXXX   XX/XX/XXXX I do not recognize these inquires, the company associated with them, any firm offer of credit with them, or any account that I hold being associated with them.