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

Citi has reduced my card limits multiple times. Ive never been late and rarely carry a balance with Citi thats not on a promo. The major issue Im having are the times in which Citi chooses to reduce credit lines. During a global pandemic which was most recently. And also during hurricane irma. As a XXXX  resident I find that Citi is honestly not for the people. Ive only been late as if recently due to having a son born at XXXX  months who is still currently in the XXXX. The line reduction from Citi has negatively impacted me and caused me to lose my dream home that I had under contract previously. I reached out to Citi and they did not care
Product: Credit reporting or other personal consumer reports

There is inquires on my credit report that I have no knowledge of and I did not provide them with my information. 
Here are the names & dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter to Experian, XXXX, and XXXX disputing an account that should have been removed from my credit report after the account was paid off, but it is still reporting. I have allowed the credit reporting agencies more than enough time to investigate and remove the account, but they have ignored my request. I contacted the creditor and they stated that no one reached out to investigate the account so why is this still reporting on my account? I am demanding that the account XXXX XXXX XXXX is removed from my credit report within 15 days. If this account is not removed, I will seek legal action for violation of the FCRA, negligence, and distress due to incorrect information. Also, the creditor agreed for the removal of this account once it was paid off. Please see the attached letters that are dated and time stamped.
Product: Debt collection

The credit account listed on my credit file was opened without my consent. The account reported by XXXX XXXX has been reporting over 7years and had been sold to serveral collection agencies who are continuously reporting current dates, back dating this anccount and keeping the account re surfacing. I am not responsible for this account and this account should be deleted blocked/ not reported again to my Experian credit file. Legal action will be taken for this continued reported charged off account. Any account and inquiries associated with XXXX XXXX should be deleted immediately.
Product: Checking or savings account

Dear Sir/Madam, I am writing to file a formal complaint against Navy Federal Credit Union regarding the excessive delay in releasing funds from a signed-over check that I deposited on XX/XX/year>. The check in question was a XXXX rent relief payment signed over to me by my tenant, XXXX XXXX XXXX XXXX to cover back rent owed. 

Prior to depositing the check, I contacted Navy Federal to confirm that they accept signed-over checks, and I was assured that they do. Upon depositing the check into my Navy Federal business checking account via an ATM, I received a notification that the check would be subject to a 5-day hold. However, it has now been over five months, and the funds have yet to be released. 

Navy Federal has requested that XXXX XXXX provide a passport for verification purposes. Unfortunately, XXXX XXXX does not possess a passport, and this request has caused significant delays. Despite this, Navy Federal has continued to pay dividends on the check, indicating that the funds are in their possession, but they have not released the funds to me. 

This delay has caused undue financial stress and hardship. I believe that Navy Federal 's actions are both unreasonable and unjustified, and I am requesting that the CFPB investigate this matter to facilitate the release of the funds that are rightfully owed to me. 

Enclosed are copies of relevant documents, including the deposit receipt, the letter from Navy Federal regarding the hold, and any correspondence with Navy Federal regarding this issue.

I appreciate your attention to this matter and look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a copy of my credit report and notice information from XXXX XXXX XXXX on my credit report that should not be there. I reached out to the credit bureaus to do an investigation XX/XX/2019 ( please see attach letter entitled bureau investigation ' ) and the bureaus respondedXXXX stating that XXXX XXXX XXXX verified the information as reporting correctly. ( please see attach response from the bureaus entitled 'bureaus initial response ' ) I then reached out to XXXX XXXX XXXX directly XX/XX/2019 after I received that letter from the credit bureaus. ( please see attach letter entitled '1st letter sent ' ). To date we still have not receive a response from XXXX XXXX XXXX and we know they receive the correspondence sent ( please see attach signed green return receipt ).
Product: Debt collection

Pool service company " XXXX XXXX XXXX XXXX XXXX '' charged me XXXX - the XXXX time for a service that I agreed on. I paid in full for the XXXX service ( pool opening ). However I was not happy with the work that was done and I told " XXXX XXXX XXXX '' that I will not use their services any more. 

Immediately following the XXXX charge, after I told " XXXX XXXX XXXX '' that I will not use their services in the future, they charged me a XXXX charge without my permission. The XXXX charge was without providing any services without asking my permission to use my credit card info. They charged me Just because they had my credit card info and they realized that I will not use them again. 

I called my credit card company and the dispute was accepted the XXXX charge was returned to me. However the debt collector contact me to let me know that I owe the " service " ( that was never provided ) and lawyer fee.
Product: Credit reporting or other personal consumer reports

i disagree with the account listed below which still appears on my credit report, i would like this item immediately re-investigated, the inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX, XXXX XXXX XXXX WITH A REPORTING BALANCE OF {$0.00}. ) in accordance with the fair credit reporting act, public law 91-506, tittle VI, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXX and my social is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently tried to purchase a new vehicle but was turned down due to several fraudulent accounts and inquiries add to my credit report. I contacted XXXX, Transunion and XXXX  to have the data removed but customer service refused to help me.
Product: Mortgage

Greentree/Ditech financial group sent me a repossession notice appx. 30 days ago for an insurance amount that was cancelled the date it was paid off. The original amount was XXXX, but the repossession amount on the letter was for appx. XXXX. A payment of XXXX was sent via XXXX on XXXX XXXX, XXXX. Payments were posted as follows : XXXX : {$29.00}, XXXX : {$29.00}, and XXXX : {$120.00}. I received another repossession notice today stating that a payment received of {$29.00} was a partial payment and they were continuing with the reposession ( which should be in the next 48 hours ). The loan was paid off in XXXX of XXXX with a remaining bal. of XXXX. XXXX principal, XXXX interest and XXXX insurance. Original note was 15 yr. simple signed in XXXX XXXX. There were approximately XXXX to XXXX deferred payments. Does n't add up. I have a XXXX XXXX XXXX Grandson to raise and it would be nice to come home to a house sitting on the property tomorrow. Please help. I am uploading several forms at this time for the immediate problem. Copies of all other documents are being copied and printed. I would be happy to send them to you showing loan payments etc. It is a large file and would either need to be sent on a flash drive or printed. Please let me know which will be most convenient.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrote letter requesting for VALIDATION not VERIFICATION no response
Product: Mortgage

I writing this letter because I think there should be a better option to modify my loan. I have paid my house for the last 23 years and I have 7 years left in my mortgage and this is the first time I ask for help because I was forced to retire and I am looking for a job that allows me to continue in a better situation. It is not fair that for this reason I see myself at risk of losing my home. The interest they are giving me is 8.5 % and they are beginning to 40 years. If they gave me the interest that is in the market 4.5 % my payment would go down and I could have a better quality of life. They offer me a 40 years mortgage with an 8.5 % interest rate, I am behind 2 payments. They offer me this option that is not good and they are taking advantage of this because it is the only option that they leave me. If they reduce the interest rate they can make my payment affordable and be able to stay at my house and no became homeless. 
I want to keep my house with affordable payment.
Product: Debt collection

I received three letters from ERC : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX All the statements claim that I had an XXXX XXXX XXXX XXXX Account and owe {$150.00}. I have never had an XXXX XXXX XXXX XXXX Account. I and my sister have spoken to them several times on the phone and they failed to provide me with proof of debt / unpaid statements. 

The address they are claiming that I had XXXX XXXX XXXX XXXX  account had an active XXXX  account under someone else 's name ( my sister 's name ). The bills were sent to them. I also provided them with a letter from USPS confirming that the mailbox had reported thefts on it. Last time I spoke to them they assured me that this will be cleared off my account in 8 weeks.
Product: Credit reporting or other personal consumer reports

I recently reviewed my report and noticed some fraudulent accounts on my report. Please remove these accounts off my report they are hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

You are completely In violation and knowingly and willingly reporting fraudulent inquires your agency did not did not do any investigation on the fraudulent inquires you are reporting. I have contact all companies supplied them with my police report and my FTC affidavit as i was told to do by the police station and also by CFPB and they have no such application under my name .1. I have contacted the creditors directly ( multiple times ) and was information they have requested to have this fraudulent inquires removedI am requesting that you abide by the Fair Credit Reporting Act and remove these fraudulent, inaccurate, and unverifiable inquiries that do not have any permissible purpose. If you fail to do so, I will be lodging a complaint with the Consumer Financial Protection Bureau and detailing your neglect regarding this very serious issue. Please remove the following inquiries from my credit report immediately : It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. the fraudulent inquires need to be deleted immediately or I will seek legal representation without further notice and will use these responses and dispute as proof of your neglect and violation of the FCRA and Identity theft laws. The following inquires that are fraudulent as follows XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I submitted a re-certification application for my Public Service Loan Forgiveness program and for a change in my repayment plan. Fedloan Servicing denied my application because of " the use of an invalid signature ''. However, I definitely signed the document, and so did my wife. We did n't change our signatures. I think this denial is baseless, merit-less, and a stalling tactic.
Product: Debt collection

the accounts was never late and paid in full util the account was closed.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX ' wise account experienced an unforeseen freeze, rendering it incapable of making or receiving payments for two weeks. Following the resolution of this issue, my personal Wise account, which was directly associated with the management of XXXX finances, was abruptly shut down without a clear explanation or justification. 

Account Closure Date : XX/XX/XXXX Amount in Wise Account : {$4200.00} USD Role and Responsibilities : As the XXXX XXXX XXXX XXXX XXXX XXXX I had authorized access to manage payments on the company 's Wise account. 
Initial Contact with Wise : XX/XX/XXXX - Upon discovering the account closure, I immediately contacted Wise for clarification on the reason behind the closure. 
Communication Attempts : Despite multiple attempts via phone and email, Wise failed to provide a satisfactory explanation for the account closure. 
Refund Denial Email : XX/XX/XXXX - I received an email from Wise indicating the refusal to refund the funds held in my account without clear justification. 
Financial Impact : The closure has caused financial distress, affecting my ability to receive my salary and fulfill personal and professional financial obligations. 
Professional Consequences : The closure has disrupted my professional responsibilities at XXXX XXXX, leading to delayed payments to employees, freelancers, and partners. 
Emotional Stress : The lack of transparency and refusal to refund have caused significant emotional stress and uncertainty. 

My disagreement with Wise 's handling of this matter stems from the lack of transparency, the refusal to provide a clear explanation, and the unjust denial of a refund. 

I request your assistance in sending these comments to Wise and exploring legal avenues to address the financial and emotional distress caused by their actions. I am prepared to provide any additional information or documentation required to support my case. 

Thank you for your support in pursuing a fair resolution.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX 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

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Comenity Bank violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a ).
Product: Checking or savings account

My account was over drawn less than {$2.00} on XX/XX/XXXX. I called Truist to see if they could waive the fee but they refused since I had a fee waived in XX/XX/ XXXX They refused to provide further information and it seems to me that they are simply stealing my money.
Product: Credit reporting or other personal consumer reports

I had an investigation conducted by XXXX into an allegedly erroneous collections debt of {$9800.00} reported to the XXXX major credit bureaus by XXXX XXXX on behalf of XXXX  XXXX XXXX XXXXXXXX and the debt was removed from my XXXX report on the basis that it was found to be rooted in false information yet the collections debt is still showing up on my Transunion and XXXX reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed dispute letters to XXXX, XXXX XXXX TRANSUNION for the following accounts appearing on my credit 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 XXXXXXXX This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt.

The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : consumer report So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : This makes your social security card, drivers license/ID, and license plate credit cards that are/were used ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, Recently I have started to rebuild my financial health and in the process I have started to pay creditors for bills that I have incurred on charged off or collection accounts. 

The account in question is with XXXX XXXX, XXXX  and TransUnion. 

In XXXX of 2021 I noticed that I had a collection on my account for XXXX XXXX. The amount listed on my credit report both XXXX  and TranUnion was the same amount {$380.00}. That was the reported amount since the account went into collections. I went back to my emails and found the last billing statement from XXXX and that was the amount I owed, I clicked on the pay bill link and promptly paid my bill. Come to find out they are reporting it as a settlement, that I paid less than my account was which is false. I paid the full amount on the bill. I sent XXXX  a copy of all the emails I could find from the account inception and not one of the bills shows any amount over what I paid. I tried to resubmit to TransUnion but the system wouldn't take it. Again the amount I paid was more than what was reported on my file from XXXX. I had hurricane outages, refunds, fees, down service. At this point no one has given me anything referencing how anymore money is owed. I question the entire file. 

XXXX  and TransUnion refuses to correct this information and continues to report that I settled this claim when I haven't. I have never discussed a settlement with anyone, nor did I realize that me paying this bill was for less than I owe. 

Based on reported data I paid the entire balance and this false reporting is harming me enough to the point I am writing you. 

Please help me address this issue as this is extremely frustrating and inaccurate to the fullest. 

Thank you,
Product: Credit reporting or other personal consumer reports

I requested that lexis nexis send me the information they have on me. They in the report they have about me. They sent me instructions on how to obtain it, but it didn't work. Then it gave me a phone number to call, and no one answered. They have information on me that makes insurance companies charge excessive auto rates, I am turned down for homeowners ' insurance. I still posit they have incorrect information on me and are keeping it from me so the insurance companies can charge me higher. I filled out their forms with the information they needed about me identity. That is not an excuse.
Product: Credit reporting

I was scammed by the XXXX into an ARM loan for my home ( XXXX was sued and went out of business ). Since then I tried to refinance into a fixed loan through several banks that all had terms I did n't want ( like money out options ). Later I found out that the main XXXX credit reporting companies ( Experian, XXXX and XXXX ) were lowering my score each time I applied for a loan and reported delinquencies that do not exist ). I want them investigated and prosecuted. XXXX refinance company ( XXXX ) even went through with the loan application after I told them I was going to sell the home. I then received a rejection by their bank ( XXXX XXXX ).