23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to the prior complaint # XXXX, the credit reporting agencies are not following the guidelines on removing items and not replacing them. XXXX XXXX XXXX  said they removed 2 late payment from all the credit reporting agencies. XXXX is the only one that only show 3 late payments which is correct but theses dates should be removed XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX. 
On XXXX XXXX they are showing 5 late 30 days, which is incorrect. 4 late payments 60 days and that's not correct. Also on the XXXX XXXX report for TRANSUNION, they have 4 late 30 days and 3 late 60 days, both are incorrect. Between XXXX and XXXX XXXX XXXX, This should be corrected immediately. I only have 2 open accounts on my report not 6. XXXX have XXXX on my report which is currently under bankruptcy. I have file a dispute several times for Transunion / XXXX to correct this.
Product: Checking or savings account

I am writing to formally file a complaint regarding the recent actions taken by Citibank concerning my accounts. This issue has caused me significant stress and inconvenience, and I am seeking a resolution as soon as possible. 

In XXXX XXXX, Citibank opened a checking account for me, into which I deposited a substantial sum of money. Approximately two weeks after opening this account, I decided to open a savings account to further manage my funds with Citibank. However, shortly after initiating the savings account, Citibank informed me that both accounts would be closed without providing a clear reason. 

Since then, I have repeatedly requested the release of my funds, provided necessary identification and documentation, and complied with every request to confirm my identity. Despite my compliance, Citibank has continued to withhold my money and has been unresponsive to my requests for a timeline or a valid explanation regarding the delay. 

This situation has resulted in significant financial hardship for me, as I am unable to access my own funds. It is my expectation that Citibank promptly release my funds and provide me with a written explanation of the reason for closing my accounts. 

Please consider this complaint as an urgent request for resolution. Should there be no response within a reasonable timeframe, I will escalate this issue to other regulatory bodies, besides the CFPB as necessary.
Product: Credit card

I tried to make a purchase on XXXX XXXX but they said their XXXX was only good in the United States unlike my other XXXX  Cards both debt and credit which work fine purchasing things there. 
Also, they had this purchase power thing that looked like available funds but it was maybe how much you could get on their XXXX. 
And on top of everything they took {$280.00} from my bank account for XXXX and i had no order for this amount or authorized it to be taken out. 

So they are a total fraudulent company, by the way they do business by taking unauthorized funds and advertising a card as a XXXX card when it is not a XXXX card.
Product: Credit reporting or other personal consumer reports

pursuant to 15 USC 1692c - communication with a debt collector, I never gave these people my information and they are considered or better yet known as a debt buyer. this is my putting Portfiolio Recovery on notice that this is a cease and desist. which is a legal refusal to pay a debt. which means no communication what so ever pursuant to federal laws. further more! pursuant to 15 USC 1681e ( b ) - compliance procedures. ( b ) Accuracy of report // Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. have have has this corporation been able to defame my reputation which is also better known as my credit for so long with out any over sight from the actual credit agency. which leads me into the following issue, which are supported by case law, the assumed to be creditor which are really collection agencies, have been misrepresenting the debt for quite some time now, this corporation openly admits to being a debt buyer and not the original creditor henceforth they are unable to provide a contract or validate the debt. they have deleted the information from XXXX yet still report on experian and XXXX. 
account number XXXX and have also just within the last XXXX years on the experian and XXXX credit profile reported missed payments. which have lead to defamation and are causing financial injury pursuant to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. the fine equaling the extent of damages incurred by the wronged party as deemed by the courts. which just with missed payments alone equals {$24000.00}. Which I am certain any district court willl rule in my favor after presenting the evidence. 
further more! this misrepresentation of the debt which is against federal law and there are protections prohibiting such behavior and protect me the consumer from such actions pursuant to the case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX ( XXXX XXXX ), and the protection under the fair debt collections act which was passed in by the XXXX XXXX XXXX XXXX XXXX and copied into law on XX/XX/year> which can be found in Public Law 95-109.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone put in a fraudulent unemployment claim using my social security number so I called Equifax to put a freeze on credit verification and put in a fraud alert. I used the Equifax automated system and entered all the correct information. I requested to speak with an agent. I was put on hold for 45 minutes and then disconnected. I called back and just requested to speak with an agent. After 1/2 an hour I got an agent. I was asked questions to verify my identity which I did. I was told that I did not pass after answering the questions correctly. She told me I would have to submit written documentation and wait for them to investigate and verify and that it would take several weeks. I asked to speak to a supervisor and she told me sure and then disconnected me. I called back again and asked to speak with an agent after waiting 20 minutes I get an agent and request to speak with a supervisor. I talked to XXXX and explained my situation. She told me there was nothing she could do that I would have to submit supporting documents and wait several weeks for the investigation. This is totally unacceptable. I tried going onto Equifax website but when I selected it I was told that the certificate could not be verified and would not allow me access. Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Has 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called XXXX and made a verbal forebearance request on my student loan account due to financial hardship. At that time I received verbal confirmation that my request was approved for forebearance on student loan Accounts by XXXX XXXX XXXX XXXX XXXX for the period XX/XX/XXXX - XX/XX/XXXX. However, XXXX reported 38 delinquencies on my account to the 3 major credit reporting agencies : XXXX, XXXX, and Experian, for the Months of XX/XX/XXXX and XX/XX/XXXX. I 've contacted both XXXX and Credit Reporting Agencies several times verbally and in writing requestion that the erroneous entries be removed but to date they have not complied. XXXX has been resorting to the tactic of stalling by requesting documentation of general correspondence which they already have in their possession since all requests and notification are stored for access on their website.
Product: Debt collection

I paid a debt in that it would be taken off of my credit report and now they tell me that they can't delete what it is that they placed there. The debt was for XXXX that I paid in XXXX of 2021. They did show a XXXX balance but refuse to remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

has violated my rights. Or list of inquiries XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Mortgage

Yes I have made over {$70000.00} in mortgage loan payments in the last 4 years ; however, the company only shows approximately {$30000.00} in mortgage loan payments. I have addressed the issue with the mortgage broker who sold my mortgage loan to this company : https : //www.homeloanserv.com https : //www.homeloanserv.com/TransactionHistory/TransactionHistoryPdf/? loanNumber=XXXX & searchTerm= & startDate=XXXX & endDate=XXXX Unfortunately, people ignore me and refuse to address the issue with me or resolve the issue, even though math doesnt lie. Your computers and their staff lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is illegal I will take that XXXX XXXX dollar settlement and recover the damages legally on my own. I do authorize to the highest authorities the damages and expect the criminals and illegal companies/adoption agencies/security that staged this attack to be held accountable. You can contact the FBI for further dispute. I expect to be fully unassociated with all damages after the year of 2012. I expect to have a 740+ credit score all around with perfect bill payer history and to be debt free, I also expect to be unassociated with all crime and or criminals to freshly continue my life without illegal unauthorized burden, my mortgage is hereby destroyed I expect it to be fixed eventually. XXXX XXXX, new DL, new last name, will double XXXX XXXX XXXX 

God bless America, Thank you for your continued service Happy Memorial Day Best Regards, XXXX XXXX ( XXXX ) XXXX - XXXX
Product: Student loan

On approximately XX/XX/XXXX my wife and myself pre-qualified for student loan refinancing through Sofi. After entering in all of the qualifying questions and criteria we were presented a rate of approximately 2 percent and told that this rate would be held for 30 days, pending a complete application. On XX/XX/2019, I logged on to finish the application by uploading various co-signer documents. Once these documents were uploaded, we were then offered a rate of 4.19 percent, over doubling the amount offered during pre-qualification. On XX/XX/2019, I called the Sofi student loan department to see what the cause of this large increase was and I was told that it was due to " income verification '' ; however, the income stated during qualification did not change when I uploaded the verifying documents. In addition, we did not have any additional debt that would cause our DTI ratio to increase. This practice seems deceptive as they make you go through the whole process before describing your actual rate, which is significantly higher than the rate they initially disclose. In addition, the representative made it seem like our age played a factor in the decision to increase the wage.
Product: Mortgage

In XXXX I applied for refinancing on my home. I turned in all required documentation. The bank said that everything looked good. There were some discrepancies. They were taken care of. Now is when it went sour. The man handling the loan when on vacation for two weeks, nobody handled it. when he came back I had to make numerous trips to bank to find out the status he says everything looks good. Then I find out that they took him off the loan and turned it over to a lady in XXXX, XXXX..From then on I had no personal contact with anyone. Through the following months, I had to talk to five different persons? Seems like ever time they sent it to the underwriters, the underwriters would sent it back to them for additional information. This went on up til XX/XX/2018, when I get a call that my loan had been denied. They said that a document would be coming explaining why! The bank sent a document, but I could not open it. The bank said that they would mail and e-mail me again. Finally I got the letter with postage dated XX/XX/2018? And was then able to open the e-mail!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed dispute with the credit bureaus and One Main Financial beginning in XX/XX/XXXX. I filed subsequent disputes XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I do not believe the creditor is reporting this account in compliance with the FCRA and the FDCPA.
Product: Mortgage

On Friday, XX/XX/XXXX a man came to my home claiming to be a representative of Mr. Cooper. He appeared to have an ID badge on, but I was unable to look at it. He stated that he was there to check on the property and to give me information that would allow me to meet with a Mr. Cooper representative in person about my hardships regarding paying my mortgage. I refused to take the envelope he tried to give me and I informed him that I had already been in contact with Mr. Cooper and my assigned Specialist was XXXX. I also let him know that I made a payment on XX/XX/2019 for the XXXX mortgage payment and that I am working with XXXX at XXXX XXXX XXXX XXXX. I called XXXX ( ext. XXXX ) and asked her about this interaction and she did not really give me an explanation for this. She said that people do go out to the property and that it is typical, but I felt like she was trying to skirt around the issue. I and XXXX from XXXX XXXX XXXX XXXX called Mr. Cooper on XX/XX/2019 and spoke to XXXX in Oregon ( ext. XXXX ). She stated that someone had inspected the property on XX/XX/2019, but they do not typically talk to the homeowner.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from any credit report, immediately : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + TransUnion, This complaint is in relation to a credit account this creditor ( XXXX XXXX XXXX XXXX XXXX has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit report.
Product: Consumer Loan

My complaint is against Monterey Financial Services XXXX Inc. in California. There are several problems with this company and their fees. I was charged a no sufficient funds charge of {$30.00} in XXXX XX/XX/XXXX. I immediately called my bank since I knew the funds were in my account. The bank said no request for payment was ever presented. I called this organization and they would not budge off the premise that I owed their fee. Additionally, they charged me with another {$15.00} which totaled {$45.00} plus my regular monthly payment of {$220.00}. I paid these ridiculous fees so I could be from under this debt as soon as possible. On XXXX XXXX, XX/XX/XXXX I scheduled what I thought would be my last payment. When I checked my account on the following Monday it showed a remaining balance of {$1.00}. I wanted to be away from this account as quickly as possible, so I wanted to pay this off. I was afraid to mail since I felt they would not be honest and post to my account so they could charge more fees. I tried to pay online where I knew they would charge an additional {$10.00} but I was kicked out of the site. On Tuesday, I decided to call to make the final payment and their phone system stated that I owed {$16.00}. I paid the fee so that I would have a {$0.00} balance. My complaint is after 24 months of dealing with this company I have paid a total of {$270.00} in what is listed as " other '' fee since I wanted to pay online so that my account would be credited on the day I paid. It seems to me all of these additional fees and how they collect them could not possibly be legal. They charge {$10.00} for late fees and {$10.00} for paying online and then they slid in the phony returned payment fee of {$30.00}. To make matters worse they are showing my last payment as a write off and not as a final payment nor do they show the {$16.00}. They show {$1.00} was the balance the day I paid the account in full.
Product: Mortgage

I am a XXXX XXXX XXXXXXXX veteran with a XXXX injury. Sometimes I forget things. I have a mortgage with Dovenmuehle dba XXXX XXXX. I set up my online account and have been making payments. I set up autopay to make sure I didn't miss a payment. To date, I am current on all payments due. 

Unfortunately, I forgot that I had set up autopay, and in an effort to ensure my payment was made, I made a one-time payment online. ( I have done this twice. ) There was no warning that popped up to let me know that it may incur a duplicate payment. It just let me make it. 

Fast forward to XX/XX/2023 : I went to my online account to see that my autopay was still engaged, but they had disabled my ability to make online payments. I thought this was the fix to my issue. It wasn't. It was punitive. Not only have they disabled my ability to pay online, they removed the autopay ( even though it still says that it's active ). I called them to verify my payments, and that's when I found out. I reminded them that my autopay was not the problem ; they didn't care. I told them that this is undue hardship on a XXXX veteran, and I told them that their actions are punitive as a direct result of my XXXX. They said, " Sorry. '' But did nothing to change it. So, in an effort to work with them, I offered for them to use my husband 's account, since the issue had been with me. They flatly refused. They want us to go spend money with XXXX XXXX or buy a Money Order to pay the mortgage, rather than work with my husband or acknowledge that their system is not XXXX XXXX friendly.
Product: Credit card or prepaid card

Today XX/XX/2021 some ones calling me that he is from citibank card he said that my new citibank card is for delivery the next day.Then he ask my card expiry and the other 3 digits number of my card.Then he said that citibank has freebie and give away. First he transact the XXXX amounting to XXXX, he said that this is the give away of citibank I can use this for shopping online or in Dept. Store. After a seconds citibank send me otp and he ask for the otp which i give then i ask what happend why it charged to my credit card he said that XXXX will pay to citibank. Then second is XXXX voucher amounting to XXXX with charge XXXX..same as what he say about XXXX.I can used this for food ordering with 1 year expiry.Again citibank send me otp.And he ask for it. Total amount is XXXX..I was hypnotized by that time..I dont know why i gave that information to him..After the call I realized that what is that.I back read the text of citibank and call the citibank but the transaction was already done..Just a min after the transaction I call the bank but its very difficult to call the bank it took an hour before I reached them but sad to say they cant help me anymore..I ask them to stop the transaction but they can't..I call again to ask help but they cant help me to stop the transaction anymore..I was very sad and lonely.Im just in the house but i was scam. This is the number that he used to call me XXXX. I hope you can help me.I am an ordinary employee that suffers this pandemic, I work only 4 times a week. I dont know where i get to pay this amount.I hope you can help me to solve this problem. Please please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has a fraudulent Account and will not remove it from My reprt the account is not mine.
Product: Credit card

on XX/XX/year> i had a flat tire and contacted a company to send someone out to send help to me and they charged me XXXX dollars. the service was never given and no one ever arrived. further research into this company showed that it is a scam company and when i contacted wells fargo to help with this to refund me my money the investigation was found in favor of the company even though they never provided the service. the company is roadway rescues. when i asked to cancel the service after an hour of not receiving help they let me know they would charge me another XXXX dollars if i cancelled so i had no choice but to contact wells fargo for this transaction. today XX/XX/year> they sent me a letter saying they found in favor of the company and will take the money out of my account on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX -BK OF XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion -XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX NEGATIVE XXXX : XXXX XXXX -XXXX XXXX XXXX XXXX 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.