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

Citi bank credit card has an auto pay set up thru them receiving payment from my bank account. I have always set up and requested paper statements on all my credit cards accounts. XXXX XXXX, I was puzzled when I found a XXXX taken out of my bank account and had no way to trace it to the credit card, after calling the bank and doing multiple things, it was citi bank credit card XXXX. Citi card enrolled me on paperless statement and I had no knowledge of this until XXXX XXXX. This account had no interest occurring for a while, like 12 months, inXXXX 2021 interest started. 
I called citi card do on XXXX XXXX, & told them the situation, being taken off paper statements by ( citi ) and citi changed my statements to paperless. I talked to XXXX at citi and told him i would have to go into town and switch money but I would pay this bill off in full, tomorrow, XXXX XXXX, minus the interest. I did pay citi {$6300.00} thru an employee named XXXX. I asked XXXX and XXXX about the interest charge and they couldnt remove it. XXXX XXXX XXXX, the payment has cleared my bank for {$6300.00}, and I called l citi and talked to XXXX  about removing the interest he acted as XXXX was a purchase instead of interest, he put me on hold twice, first time no, then second time he said he would go to higher officials, he came back and said my name and hung up. I called back and asked for him, they had no way to find him, I talked to XXXX ( it started with a XXXX  ) she was a foreigner lady, as I started to explain she hung up too. I feel like they took me! I have never been late on my payment and when interest start accumulating, I pay my bill off in full. 
I just want justice. I did not change my method of billing with my statements, I am older person and always received PAPER STATEMENT. Thank you, XXXX XXXX
Product: Checking or savings account

I wrote a check out to my hair dresser. She cashed it electronically on XXXX or XXXX with her bank, Wells Fargo. She then accidently cashed it again around XXXX or XXXX with Wells Fargo. As a result, my credit union deducted the amount of the check twice from my checking account on XXXX and XXXX. I was double charged. Wells Fargo contacted my hair dresser just before XXXX ( approx. XXXX ) to let her know that the check was double deposited and that the duplicate funds would be deducted from her account. To date, although Wells Fargo removed the funds from her account, they have never return the funds to my account. I have contacted my Credit Union which will research the issue, however, if Wells Fargo knew that it was a double transaction and removed the funds, Wells Fargo should have credited the funds back to my account. Instead, Wells Fargo has kept the funds which do not belong to them. In an effort to contact Wells Fargo abou the issue, all their numbers require you to have an account with them. I do n't have an account with them, but I am impacted by the error in their processes. I finally found a number to reach their executive office after 30+ minutes of searching. I filed a case with the executive office, but was told there is nothing they can do to research or resolve this issue. My credit union must research and submit a request to Wells Fargo to get the funds returned. I contacted my credit union which is working on resolving the issue. However, should n't Wells Fargo look into their systems to see why this error happened and why they are not returning funds. I wonder how many people have been double charged and how many millions of dollars Wells Fargo keeping that does not belong to them and should be returned to the rightful account owners.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I spent numerous hours on the phone between Bank of America, XXXX XXXX and XXXX attempting to rectify misinformation about the discrepancies in reporting on : 1. Bank of American non-reporting on payments and with reporting that doesn't reflect accuracy of bank statement balance vs credit reporting to XXXX XXXX XXXX. 2. XXXX reporting on XXXX. 

Currently my credit score went fromXXXX to XXXX and I was told it resulted from two hard inquiries of reach I secured XXXX more in credit from XXXX. The second inquiry was made by XXXX XXXX  whom made a one time credit inquiry based on securing a home load. Both inquiries was made two weeks apart and should not have resulted in a 43 point drop in my credit score. I was informed that the 2 hard credit inquiries, negative payments and lack of information on my home mortgage was resulting factors in a 43 point drop on my credit score. I do not meet the criteria for either of the listings for the drop in my credit report. 

I have a case number for Bank of Americas dispute and a pending dispute with XXXX on state items. 

In addition, I am a paid credit card monitoring member through XXXX and I have attained no help with resolving these matters on neither a pre or post basis of changes in my score and for its reasoning. The paid membership appears to be unassisted in its duties as outlined in the product service policy.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

Request for Correction of Inaccuracies in Credit Report I am reaching out to address discrepancies present in my credit report, which your company has published and has led to my recent credit denial. The information in question pertains to the following accounts : Under 15 U.S.C. 1681i ( 7 ) Method of Verification, this account is in violation, reported without valid evidence : XXXX Account Number : XXXX Please remove it from my credit report I want to stress that I did not provide written permission or instructions for these specific transactions to be included in my consumer report. I formally request the blocking and deletion of these accounts, and I emphasize that this request is not in error and is not based on any material misrepresentation of facts concerning the request for blocking these transactions. Your company seems to be in violation of the law, as outlined in 15 U.S.C 1681a 2 ( A ) ( i ), stating that a consumer report should not include : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' The law explicitly states that XXXX making the report should not be included in my consumer report. Utilization, as an experience related to the line of credit extended between the consumer and the reporting entity, should not be included in the consumer report, as clearly stated by Congress. I insist that you update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts. Additionally, I demand that you provide all documents on which you are relying for reporting accounts ( 1 ) and ( 2 ) mentioned earlier. This request aligns with your obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), granting consumers access to these records. The information you are reporting is damaging my reputation and adversely affecting my creditworthiness. Therefore, I request and demand that you remove these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verify these accounts. Apart from the removal of erroneous and unverified information, kindly remove all non-account holding inquiries over 30 days old. According to XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, " verification '' is defined as " confirmation of correctness, truth, or authenticity by affidavit, oath, or deposition. An affidavit of the truth of a matter stated, and the purpose of verification is to ensure the good faith of a party 's averments or statements. '' Failure to respond satisfactorily with the deletion of the above utilization & inquiries will result in legal actions being taken against your company, and I will seek {$1000.00} per violation for : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent in the proper paperwork i haven't got a response from XXXX XXXX the are suppose to update the account with the correct information that i sent to them under Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.
Product: Checking or savings account

On XX/XX/2020 I made a deposit of 10 checks into my business checking account. The ATM said there was an error and to contact Chase directly. The ATM lost 2 checks, one for {$120.00} and another for {$700.00}. 

I contacted Chase and made a claim for the two lost checks. They said that they would issue a temporary credit to my account while they investigated. I did not see any temporary credit on my account within 7 days and they assured me it was " there, but i couldn't see it ''. They also said they mailed me a letter detailing the temporary credit but i did not receive any letter in the mail. 

Now, on XX/XX/2020 i checked my paper statement and there is no temporary credit issued nor have i received any notice regarding my claim. 

I have a claim number but nobody will help me regarding the status of these 2 checks that the ATM ate!
Product: Consumer Loan

I would like to obtain help with understanding how my finance company is calculating payments and the amount of time a payment is late. in XXXX I was {$640.00} behind on my payment. On XXXX XXXX my vehicle was reposessed. On XXXX XXXX I paid {$750.00} to have my car returned. That according to them left me awith a {$100.00} credit. A few days later they were charged a {$250.00} repo fee. That left {$150.00} of repo fee, not payment owed. I then made payment for XXXX on XXXX XXXX. of my standard payment of XXXX. Still leaving the repo fee owed. I am not disputing owing the repo fee, I just dont feel that the fee should be accounted into my days behind on my regular payment as they are XXXX seperate items. Since the company is counting the repo fee as a past due payment, they are claimim=ng that my entire payment is more than 40 days past due, which is not the case. My standard payment of XXXX was due on XXXX XXXX when I paid XXXX payment but because they are counting repo fee as part of my payment, they are unwilling to offer an extention for my standard payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning in XX/XX/XXXX Chase began FRAUDULENTLY running my credit under the ruse that I applied to XXXX for Credit. I DID NOT AND NEVER HAVE! In addition to me not actually doing so the reasons like " no bank account '' and " XXXX credit score '' were MADE UP as I've had the same bank account for over 20 years and even with the running my credit FRAUDULENTLY for about 10 times my credit score is XXXX or more! They supposedly notified the credit reporting companies of the FRAUDULENT runs and on XX/XX/XXXX sent me a letter acknowledging the FRAUD which I have attached. 

The PROBLEM is that on XX/XX/XXXX received a notice telling me about " their right '' to share my information! I'm filing this complaint because Chase dose NOT have this right as the " applications '' were FRAUDULENT! Common Sense should have told Chase to PURGE my and my information from their system and they are NOT rightfully in possession of it.
Product: Credit reporting

I sent a letter to Experian outlining errors on my credit report in XXXX. I included copies of my identification as explained on their web site. My letter was ignored and never answered as the law requires.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote all three credit bureaus in XX/XX/XXXX about a bankruptcy they have on my file that was filed in error, I have provided proof of that and XXXX XXXX has removed this information from their files which was also provided to the bureaus as well. They are in violation of my right to an accurate credit file. They have verified nothing and this information needs to be deleted. I have written several letters since XXXX bringing this error to their attention. As a last resort I am filing a complaint and will consider legal action if they do not comply.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I mailed via USPS certified mail a Letter requesting the following below : 5-day period specified in 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) begins after the credit reporting agency ( CRA ) completes its reinvestigation of the disputed information on your credit report.

**Subject : ** Request for Compliance with FCRA 5-Day Notification Requirement and Description of Reinvestigation Procedure **Re : Account Number XXXXXXXX XXXXXXXX  Dear Sir/Madam, I am writing to formally dispute the accuracy of the information provided on my credit report related to the above-referenced account. I have previously disputed this information, and the results of your investigation indicated that the information was " verified as accurate. '' However, I have reason to believe that this verification was incorrect or incomplete. 

Legal Obligation Under 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) Under 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), when a reinvestigation is conducted, the credit reporting agency is required to provide the consumer with written results of that reinvestigation within XXXX business days of its completion. Additionally, the consumer has the right to request a description of the procedure used to determine the accuracy and completeness of the information, including : 1. **The business name and address of any furnisher of information contacted** during the reinvestigation.

2. **The telephone number of such furnisher, ** if it is reasonably available.

Request for Immediate Action Given this legal context, I am requesting the following : 1. **Written notification** of the results of the reinvestigation within 5 business days of its completion, as required by law. 
2. **A detailed description of the procedure** used to verify the accuracy and completeness of the disputed information. This should include : - The business name and address of any furnisher of information contacted.

- The telephone number of such furnisher, if available.

3. **Clarification on whether an interview was conducted** with the business or entity that furnished the information during the reinvestigation process. If an interview was conducted, please provide details regarding the scope and findings of the interview. 

Consequences for Non-Compliance Failure to comply with these legal requirements could result in statutory penalties, including damages and attorneys fees, as provided under the FCRA. I expect that you will adhere to these legal obligations and provide the necessary documentation within the legally mandated time frame. 
Conclusion Please confirm receipt of this letter and ensure that the reinvestigation and corresponding notifications will follow the procedures required under the FCRA. Your prompt attention to this matter is greatly appreciated. 

Thank you for your cooperation. 

Sincerely, my name was inserted here On XX/XX/year> the letter was received and as of XX/XX/scrub>XXXX XXXX XXXX  I have not received any correspondence from XXXX with details on the investigation and by law they only had 5 days to respond which it has been over that time period
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX  {$16000.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX mother raising XXXX XXXX. I have been targeted by lender and I feel this is based on my culture. I know that my counterparts many paid for school out of pocket. As a minority we are are the last hired at the lowest pay scales. I can accept that there is not much I can do about this type of discrimination. Now lender discrimination is a legal matter that should be addressed. I have on credit report 41 different accounts reporting of student loans. Each of these account have changed hands several time without any notice to me as the consumer. All accounts are showing negative payment history. Each lender has baited and switched these accounts for leveraging against me as single parent. I have received correspondence from the bureaus stating that they have removed an account or updated an account. When I look closer I see that they are still circumventing the rules. They are actually responding without even looking at the actual dispute because if I address 41 negative student loans account and the bureaus address one out of 41, they are still omitting the fact. As long as lenders are doing this XXXX XXXX and I have no future because we can not pay in full student loan debt. I am trying to get better rate but these lenders have my family captured by using this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXask for information on how information was obtained and proof that debts where in fact mine and who collected this information and process this verification obtained I received a letter datedXX/XX/XXXXthat ALL INFORMATION WAS VERIFIED and not one item was confirmed with proof of verification as stated by federal law
Product: Mortgage

I applied for forbearance due to loss of income related to XXXX. In XX/XX/2022, I was told by Citizens Loss Mitigation Department that the forbearance could be extended another 90 days until end of XXXX. 

In XXXX, on Citizens advice, we applied for the deferral payment option where the amount due is added to the end of loan. 

On XX/XX/XXXX, I called Citizens to check and they said I needed to pay two months mortgage so that my account is only 18 months past due which is a requirement for the deferral program. I made 2 months payments. 

On XX/XX/XXXX, I called Citizens and they said the the deferral payment is being setup and I should receive a letter. 

On XX/XX/XXXX, I called again to make a one month payment so that the mortgage is only XXXX months past due. 

On XX/XX/XXXX, I called again and was told the deferral payment program was denied because forbearance ended in XXXX and the XXXX last months were actually late payments and now the only option is loan modification. I made the full balance payment of $ XXXX or so to bring my account current and get it removed from loss mitigation. 

On XX/XX/XXXX, I called again because my online access has not been restored to make payments. They said the account is still under loss mitigation and the amounts charged are in a suspend account and not applied to the loan. I was told it can take 45-60 days for it to be removed from loss mitigation. 

Citizens has mislead me, caused financial hardship and stress. I am retired and only get social security income and on XXXX. They don't provide anything in writing even when I ask them to email me what they are telling me over the phone. I have wasted countless hours on the phone with them. 

Every time I call them, I first get transferred to a collections department in XXXX. I have to explain everything before being put on hold for the loss mitigation department. So just to make a payment is a 30 minute exercise.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to TransUnion for the XXXX late reported to TransUnion by XXXX. XXXX Mortgage for XXXX XXXX. I provided proof in the form of a letter from XXXX. XXXX stating that there would be no negative credit reporting during the XXXX transfer period. TransUnion investigated and accepted that it was XXXX. for XXXX. XXXX to report the late in the face of evidence from XXXX. XXXX stating that they would not. 

I informed TransUnion that this XXXX/XXXX. XXXX XXXX  XXXX began after servicing was transferred from XXXX to XXXX. XXXX in XX/XX/year>. The transfer period from XXXX XXXX. XXXX stated to be XXXX  days per an email and also a letter delivered by the XXXXXXXX XXXX XXXX. In addition, the email and letter states that there will be no late fees or negative credit reporting during the transfer period of XXXX  days beginning in XXXX. 

The transfer period was therefore from XXXX to XX/XX/year>. The account was refinanced to XXXX XXXX XXXX XXXX before the completion of the transfer period in XX/XX/year>, and the XXXX/XXXX. XXXX mortgage loan was paid in full. As a matter of fact, XXXX. XXXX sent me a refund check, dated XX/XX/year>, greater than the amount of the mortgage payment. 

Based on the email and letter from XXXX. XXXX stating that the mortgage loan had a XXXX transfer period with no late fees or negative credit reporting during that period and the account still being in the transfer period ( XXXX XXXX  ), XXXX. XXXX inaccurately reported a XXXX late to XXXX and Transunion for XX/XX/year>.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX
Product: Debt collection

This is my work phone number. It is clear when you call and listen to my voicemail that it is a business line. They have not tried to contact me via my personal line. I do not appreciate continued phone calls while I am at work. The 3 -4 times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.