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

I opened a checking account with Citibank on XX/XX/year>. I deposited a check and set up my direct deposit with them on XX/XX/XXXX. On XX/XX/XXXX I logged in to check if my check was deposited and received an error to try again later. After several hours of trying to access the account I called Citibank to get help accessing. They told me I would have to wait XXXX hours or I could call the next day. I called the next day being Friday XX/XX/XXXX and was told my account was closed and they couldnt give me anymore information. They refused to give me an answer to why the account was closed or if they received my money. Afterwards I contacted my payroll department for help my employer explained that the direct deposit was completed and deposited to Citibank. XXXX suggested I call Citibank again and have them reverse the direct deposit. I called Citibank again that same day and was told they dont see the direct deposit yet and XXXX have to call back Saturday between XXXX and XXXX as they are open. I called back Saturday the XXXX at XXXX am and was told that department is not open on the weekends and XXXX have to wait for Monday to call. I called them Monday morning at XXXX for an update and was told the funds are still not showing in the account so theres nothing they can do. I was told now XXXX hours and weekends dont count so I need to check again tomorrow. I called today XX/XX/XXXX at XXXX to hopefully get this resolved. The representative told me the funds are available in the account as of yesterday the XXXX but due to the account being closed I wont receive a check of my funds for XXXX days. I explained what payroll told me to have them reverse the funds or transfer to my other account and refused to help in anyway. I finally asked to speak with a supervisor and she transferred me. Once I was speaking with the supervisor she told me that only my payroll department can reverse the direct deposit or I have to wait XXXX days. I told her that they said because Citibank accepted the deposit Citibank would have to reverse the funds. She finally offered another option to go into a local branch to get this resolved but theyre only located in XXXX  and I live in XXXX XXXX XXXX I was told again by the supervisor to have my employer reverse the deposit. I then talked to my employer and after getting payroll, rvp and head of hr involved they assured me that only Citibank can reverse the funds they accepted or transfer them to another account. Ive been stuck going in circles for almost a week with no help from Citibank. XXXX now in a financial hardship and unable to pay my bills as theyre set up to come out on my payday. I will continue to try and have Citibank send the money back to my employer but I dont see myself getting anywhere with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX, Equifax XXXX XXXX have violated my federally protected consumer rights to privacy & confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A, States that I have the right to privacy These addresses do not belong on my report : 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 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: Mortgage

Months ago when the government announced the record low mortgage loan rates due to COVID-19, I contacted my home loan servicer, Amerihome, to refinance for the low interest rate. I spoke to XXXX XXXX on two separate occasions and she told me each time that because the companies they work with ( escrow and title companies, etc. ) were closed due to the virus, they can not refinance. She also stated their refinancing rates were really high about 6 % to discourage folks from financing or refinancing. She said as soon as the companies they do business with are open again, then they would contact me. I know that for many states businesses have resumed. I still have not heard from Amerihome to  refinance so I can get the lowest rate possible before the rate increases. XXXX told me that she was aware that other companies were financing and refinancing and if I had to leave Amerihome to refinance with another company, then I should do that. 

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Product: Debt collection

I'm unaware of this debt, I didn't have an opportunity to dispute this information. If in fact you believe you gave me proper notification then please provide me the certified receipt with my signature on there stating that I received it.
Product: Debt collection

Again, I've been contacted by XXXX XXXX XXXX and threatened with legal action by a lady named XXXX. I told her the first time that she called me that I was not to be called at work and she continues to harass me and then laugh when I tell her it's unacceptable and needs to stop.
Product: Credit card

Discovering an error indicating a late payment on my account, despite my consistent adherence to payment deadlines, is disheartening. This oversight is generating unnecessary XXXX, and I urge you to promptly rectify the situation by updating my records accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why is Equifax and XXXX XXXX so off with reporting? XXXX I find pretty accurate. The other to reporting are way off and causing low credit scores. I dont know why they are so late in reporting accurate information when XXXX seems to not have this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX, and XXXX XXXX have violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint again to inform you I was the victim of identity theft. Per FCRA section 605b, you are required to remove/block the items listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items that I want to remove : XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXXXX/XX/2020.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we need to eliminate any incorrect accounts from my credit report. Could you review the documents? Some listed accounts contain inaccuracies in reporting, amounts, and dates.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
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: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, This is my second request for details of the procedure you followed when investigating accountnumber [ XXXX ] with [ bureau_name ]. 

I sent you a request for this informationand have received no responsePer the Fair Credit Reporting Act, a consumer may request a description of the procedure used todetermine the accuracy and completeness of disputed information. It also states that the creditthe bureau shall provide a description of such investigations within 15 days of the consumer 's request. 



It has been well over 15 days which means that you are in violation of the FCRA.To avoid further action, please forward to me a description of the procedure taken in order todetermine the accuracy of the account number [ XXXX ] including but limited to, the nameof the creditor, along with their address and phone number. 

Also, I want to know who you spokewith and on what date.

Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account is incorrect and needs to be deleted. Please send me a corrected credit reportalong with the description of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN, My name is XXXX XXXX, and I am writing this statement on my behalf. I recently discovered that I am a victim of identity theft and have had several accounts opened under my personal information without my consent. My information was used to obtain financial services or goods without my consent. I am requesting that the following information be removed from my reports immediately. The accounts I am requesting to be removed are listed in this file and my personal statement below. Accounts to be removed : - XXXX - OPENED ON XX/XX/XXXX - XXXX - XX/XX/XXXX
Product: Credit card or prepaid card

I am trying to use my companion pass with XXXX XXXX earned through my Amex XXXX XXXX XXXX and book my ticket by the expiration date. On the front of the companion pass, it says must redeem by XX/XX/23. I was not able to use the pass to book my travel today for XXXX and I am doing it by the expiration date. I called XXXX and they told me that I have to book and travel before the expiration date. They told me it was in the terms and conditions ; the curtains and conditions are only available after clicking through a couple more pages. They do not make it clear anywhere except in the fine print ; on the main page, they only say that you have to redeem it by a certain date. They also told me that they cant do anything and that American Express handles those passes. I called American Express, and they told me that XXXX handles the passes. After some back-and-forth, I got stuck with American Express. They admitted to me that it is confusing that the pass says must redeem by and doesnt clarify that you have to travel by that date ; it makes sense that an ordinary consumer would think that redeeming means booking and using the pass for the purchase. XXXX also admitted to me that if Ive ever had an XXXX in the past ( which I have ) that those work in the way that you have to book the travel within one year but you dont have to do the travel within one year. So they have another product that works the other way and one that works this deceptive way. My companion pass expires today and I wanted to book travel. Now they are telling me I have to wait up to 60 days for a response. My ticket price can go up by that point and I will lose out on getting a fare today. It is unfair and deceptive that they tell you you have to redeem the pass by a certain date, but what they really mean is you have to travel by that date.
Product: Debt collection

I contacted CFPB about a debt collection notice I received from XXXX XXXX XXXX. The account they were trying to collect on was fake. It was for a Citibank credit card that I never opened. I filed the complaint with CFPB. XXXX responded that they purchased the debt from Citibank and insisted I contact them to resolve the debt. Citibank later responded acknowledging that the account was falsely opened and stated that they would recall the account from XXXX XXXX XXXX. Both also CLAIM that they have not damaged my credit. 

If Citibank is acknowledging that the account is fake and that they're recalling the account from XXXX, why is XXXX claiming I have to file a report with the FTC in order to prove that the account is not mine? Credit card companies should not be able to simply purchase someone's personal information, open an account in their name, charge fees to the account to create debt, and then sell that debt to a collection company. How is this NOT fraud? The burden should NOT be on me to prove that I didn't open the account. If they're opening an account, they should document permission from the person so that they can prove that it was opened with permission. It shouldn't be that they can open a random account in someone's name and then demand I prove that I DIDN'T request the account. This is outrageous and I want it to stop NOW!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous inquiry reporting on my Credit Report : XXXX-Date of XXXX : XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had ongoing problems with an account that is invalid and that was an illegal charge yet for all of my attempts to get Equifax to remove it which they have on multiple occasions it always ends up back illegally re-aged and still inaccurate. 

It claims to have been opened on XX/XX/2018 which is in fact two years after the ambulance trip in question. The fact remains that this was an illegal use of XXXX XXXX 's fire rescue to transfer me for a non-medical situation against my will, without my consent in direct violation of their policy after they violated my rights which I'm currently litigating in the fourth District Court of Appeals in the state of Florida see oliverkamm versus Broward sheriffs office. 

As a result of which they billed -- thorugh there own service - not one my isnsuaance covers -- {$1000.00} for an ambulance that I didn't need and that they didn't cover although I have insurance with full deductible that would pay for it the charge was just fraudulent so they didn't. 

I try to work this out directly with both my insurance and with XXXX XXXX and with Equifax but no one has done a thing other than re-aged this illegally continue put it on as if it was a valid debt when it's not and I can test it from the beginning. Once again Equifax is proven themselves to be untrustworthy unfair and seemingly out to makeremoval offalse info impossible
Product: Student loan

I was placed into multiple forbearance upon their guidance only to result in more money owed to them. This process was not explained to me and I feel taken advantage of.
Product: Credit reporting or other personal consumer reports

Sent disputes in for inaccurate accounts reporting on my consumer report, and requested deletion of these accounts. THIS DID NOT HAPPEN. THESE ACCOUNTS ARE SHOWING INACCURATE INFORMATION IN THE PAYMENT HISTORY, THE DATE OF LAST ACTIVITY BETWEEN EXPERIAN, EQUIFAX AND TRANSUNION. THIS IS A VIOLATION OF THE FCRA AND THEY MUST BE DELETED IMMEIATELY. ( 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 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 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 XXXXSENT MY DISPUTES FOR 2 ACCOUNTS SHOWING INACCURATE AND INCORRECT LATE PAYMENTS, AND DATES OF LAST ACTIVITY SHOWIING IN THE PAYMENT HISTORY. I REQUEST THAT THESE ACCOUNTS BE UPDATED IN THE ENTIRE PAYMENT HISTORY TO PAID ON TIME, PAID AS AGREED, NEVER LATE. ( XXXX XXXX ) ( XXXX XXXX XXXX ).
Product: Vehicle loan or lease

My car was repossessed in XXXX. The company who I received the loan from was Western Funding for a XXXX XXXX XXXX. I made online payments. They repossessed my vehicle in which three months asked me did I still want the car. I paid XXXX. To receive my car. As I went to receive my car they flipped the title to another state, that being XXXX. I'm in XXXX XXXX They are trying to charge me for a debt that I would not have if I still had the car. They have sold it to a third party debtor, who is now trying to collect. They never reported the {$1000.00} that I paid up through money nor do I have a car.
Product: Mortgage

What has not happened. I mail payments and they post weeks later. I get statements that say a balance due of XXXX amount and then customer service tells me another amount. They cant explain why. Today I get on the phone to ask a question about my escrow analysis that was done XXXX/XXXX/XX/XX/2015 which decreased and I have been on hold so far XXXX hr and XXXX minutes, transferred XXXX times, verfied my account all XXXX times and STILL waiting on help. Nationstar purchased my account and ever since they have had it, it has been a nightmare. I get charged {$63.00} for a PMI " insurance '' that I have requested to drop and no one can assist me on this. Why in the world do I make monthly payments to this company and can not get helped ever. Just FYI I am still on hold and it has now been XXXX hr and XXXX mins. Still on the phone XXXX hr XXXX minutes and no solution. Please help what can someone do who never choose this company to be their mortgage holder in the XXXX place ...
Product: Checking or savings account

On XX/XX/2023 I filed a complaint against PayFare/ XXXX XXXX ( XXXX ). Yesterday XX/XX/2023 my XXXX XXXX and XXXX XXXX was turned off. I was not given an explanation by XXXX or Payfare for this action. I believe they are retaliating against me for filing the complaint on XX/XX/XXXX.
Product: Credit card or prepaid card

I mislaid my credit card. I called the credit card company to report it and customer service was closed. The automated system said they would close my account and start a new account with new numbers. 

Since I have a promotional balance that is due next month, I dont know how that will affect it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was during covid, I was promised by CMRE that I could pay as little as $ XXXX {$50.00} per month payments and if I could pay more one month and skip the following month that was allowed. So I doubled paid one month and paid off all accounts in full by XX/XX/2021, CMRE reported delinquent accounts when they were paid in full and they did not honor their word verbal contract stating paying more one month and skip of a month payment when funds not available to pay was allowed. CMRE has been called at least 10 times Ive spoken to several agents who say they see all accounts are paid in full and that all bureaus will be updated. However they keep reporting delinquent or open account that is delinquent. This has impacted my credit score by at least XXXX points negatively. I even spoke to the CMRE manager back in XX/XX/2021 he said there is nothing they could do to reverse the negative report, even though I was told on several occasions during covid hardship that I could pay what I could, whenever I could pay double payment to cover up coming months payment and that I would not be reported negatively to the credit bureaus. CMRE medical collections company has been paid in full for all accounts yet they claim I was late payment XX/XX/2021 and had paid them XXXX double the agreed amount. I also paid off accounts XX/XX/2021 in another verbal promise to report my accounts positively to all three credit bureaus, this never happened. Ive checked in monthly and my credit report still has CMREs negative report from XX/XX/2021. 
This has caused hardship in purchasing a new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX  XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX  OF XXXX XXXX XXXX XXXX Account name : XXXX  OF XXXX XXXX XXXX Account name XXXX XXXX  # XXXX Account name : XXXX  # XXXX Account name : XXXX  # XXXX Account name : XXXX  XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX  # XXXX Account name XXXX XXXX, XXXX, & XXXX # XXXX Account name : XXXX XXXX  XXXX  # XXXX has violated my rights. 

These accounts have violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 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 if information. Any other adverse item of Information, other than records of convictions of crimes which anecdotes the report by more than seven years.

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

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from XXXX XXXX I cant say this more emphatically, I have never had a XXXX   XXXXaccount in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP