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

I opened a checking account with Citibank and was approved. I set up direct deposit. XXXXour days later they send an email saying they are closing my account in ten days due to a report from early warning services ( which should be done before approval ). My pay check had already been sent there for deposit. Once it showed in account I tried to withdraw, and also tried to wire the money back to myself. When I tried they would ask for info to check information and then say it doesnt match and they cant help ( but it is my info ). Told I will receive a check in 90 days. I can not wait 90 days. I filed a complaint with XXXX and get an email back from them that was XXXX help. It was just a copy of their policy saying they have the right to close account. Of course, I just want my money so I dont get further behind. There are numerous reviews online of this happening to lots of people. Their customer service is out sourced and doesnt understand the situation.
Product: Debt collection

They called multiple times and would hang up when I answered. I would call the number back and they would claim I owe them a debt for some hospital bill from 2022 and I was never in the hospital in XXXX. I do not recognise this debt and have no intention of paying it.
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 Under XXXX XXXX Code XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an tem or the intormation is tound to be Inaccurate or Incomplete or can not be vertied, te consumer reporting agency shall-ipromptly delete that item of information from the tile or the consumer. or modity that item of intormation, as aporopriate, based on the results of the reinvestigation; and ( i ) 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 my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Debt collection

XXXX XXXX representative came to my house told me nothing would effect my credit in any type of way and if I did n't want to continue with the package to call him. I had the cable for a two weeks and I called him and said he would cancel the plan. A few days later I recieved a bill over XXXX dollars.
Product: Mortgage

Hello, My husband and I are sellers of a property XXXX XXXX XXXX, XXXX, KY. The buyer of my property was XXXX XXXX. She was going through American Mortgage Services Co for a loan. The loan officer working on the loan was XXXX XXXX. On around XX/XX/XXXX ish we entered into a accepted offer contract and agreed that the home would be sold within the 60 day timeframe that was given. It has been over 60 days since the we have accepted the offer. XXXX XXXX continues to avoid calls, and delay this lending process. Not only do I believe she is discriminating against this young woman because she is XXXX, but also she is XXXX, she is single and has a ton of kids and receives child support. If the loan office could not process the loan because of income or debt issues Ms. XXXX should deny the loan so we can put the house on the market. But instead she is dragging out the process and not returning our realtors calls. It is costing us money because we do not live in the house and now are paying two mortgages and utilities. Just last week ( XX/XX/XXXX ) she said to give her 3 business days to have an answer on if the appraisal will be ordered. It is XX/XX/XXXX, and she is not returning my realtor 's calls. This is not outside of fair lending regulations and I would like this process to be reviewed for banking compliance laws. 

My name is XXXX XXXX. My husband 's name is XXXX XXXX XXXX / XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/year> and noticed some things are inaccurate and incomplete. According to the fair credit reporting act, 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. This account : ACCOUNT NAME- XXXX XXXX XXXX.This account is not complete and is not accurate. 

XXXX XXXX - XXXX open date is not reporting correctly, date last active, date of last payment is not correct. This account is not accurate. On XX/XX/year> I sent a letter requesting for this account to be re-investigated XXXX XXXX XXXX here is my tracking number XXXX. I got the investigation back but noticed nothing was modified or updated. So, I requested a description of the re-investigation and it was not provided to me which is a violation of 15 USC 1681i7
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
Affiant Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. 
DISCOVERBANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by DISCOVERBANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is causing harm to my credit reputation and financial All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th attempt at respectfully trying to achieve a lawful resolve of my situation. I've asked on 3 occasions to have an investigation of items that are reporting inaccurately on my credit report be removed. My cases were closed as the credit bureaus were using stall tactics claiming that I was using a 3rd party to submit these requests and that additional authorization was needed. I reopened my cases submitting proof that no 3rd party existed in submitting my disputes. I've recently received notification from the credit bureaus that the inaccurate information that continues to report has been verified. There is NO WAY that this can be true. I am invoking my rights per the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D for the credit bureaus to PROVE that they have actually DONE an investigation and not just submitted a response per a computer-generated document. These erroneous entries are detrimental to my overall credit rating and have caused me severe financial and emotional distress. This complaint is not being submitted through a 3rd party and by NO MEANS are there any additional authorizations needed for my inquiries to be addressed.
Product: Debt collection

I have tried to dispute this debt three times on XXXX. I have gotten it removed from XXXX  and I am working on getting removed from XXXX. This debt popped up on my credit report in XXXX of XXXX for the first time. It is from XX/XX/XXXX and they keep reporting it as being from XX/XX/XXXX and it damages my credit preventing me from getting a mortgage. 
From what I understand this fits the definition of re-aging. A debt collection company buys an old debt and then puts it as a new account hoping I will pay it off. This debt is from XX/XX/XXXX and I am going to wait for it to fall off of my record. It is not fair that they can do this and despite me disputing it three times, it stays on there without being fixed. 
All I want is for the debt to be reported accurately. I don't even care if it is removed or not, just put that it is from XX/XX/XXXX and not XX/XX/XXXX. I never made any sort of payment on it or anything so they cant say that restarted the time either. I've never even been notified of this debt.
Product: Student loan

I have been attempting to make a payment on my loan through XXXX XXXX   since XX/XX/XXXX and the website will not allow me to make a payment. Their new website is not functional and despite several messages to the company, I have not gotten a response or a solution. 

The company is aware of this problem per their XXXX page, but they have claimed the problem is fixed, despite many other consumers posting that they are still not able to make payments. 

Additionally, I was forced to apply via mail ( because the website would not give me an option to sign up online ) for automatic monthly payments. However, on XX/XX/XXXX I was sent an online message from XXXX with the subject line : " You Aren't Eligible for Direct Debit Payments '' with the following reasoning : " Your loans have not entered repayment. '' However, at the time my loans were in the grace period but I was still being charged interest even during the 6 months of grace. Despite being charged interest already, XXXX XXXX would not allow me to start direct debit payments, forcing me to incur interest without a making payments to prevent it. 

Additionally, because my first application was denied due to my loans being in grace, I can not apply online for automatic payments still to this day. This has made it frustrating and impossible at times ( like when their site is down ) to get my loans paid in a timely manner. I can submit another paper application, but I do not think it should be this hard to simply pay my student loans back.
Product: Debt collection

ONLINE INFORMATION SERVICES XXXX XXXX XXXX XXXX NC XXXX XX/XX/2020 To Whom It May Concern, I dispute your claims in their entirety and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Sincerely, I provided a letter above and I haven't received anything back referring this inaccurate information Asking to validate this account, this is incorrect, now I refuse to pay this debt 15 USC 1692C. 

Also 15 USC 1692K states any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate items on my credit report that continue to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency it remains unresolved. I request immediate investigation and removal of these items, as they are incorrect and do not reflect my true credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to TransUnion in XX/XX/XXXX to dispute two accounts I did not recognize, they verified the account. I then sent in a 2nd dispute in XX/XX/XXXX, with information that the account validation showed different information that what was reported ( I provided proof in my complaint ). 

TransUnion stated the information was verified. I then called TransUnion in XX/XX/XXXX, they stated that they received no dispute from XX/XX/XXXX, I was advised to send it in again. I faxed the information again on XX/XX/XXXX. I called on XX/XX/XXXX they stated they did not receive the fax in XX/XX/XXXX but I received another credit report dated XX/XX/XXXX but the accounts have not updated. 

I called again today and they stated they did not receive a dispute in XX/XX/XXXX or XX/XX/XXXX. She stated a dispute was filed on XX/XX/XXXX ( I did not dispute anything over the phone ). I spoke with a supervisor, XXXX, and I was advised to contact your agency. 

I have written the creditors several times and XXXX keeps giving me different information that what was reported on my credit report. XXXX has not responded to my requests for validation. I'm so frustrated with these agencies, I'm trying to buy a house and I can't move forward with the process until these accounts are cleared.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters to XXXX, XXXX, and Experian that I have accounts that are not accurate. I have been told the account was updated. When viewing the acct it is not accurate still. each bureau has different reporting information. Company XXXX is reporting a charged off acct as late payment how is there payments due on charged off acct. I have sent documentation to Experian and communicated with XXXX via phone. I have requested old addresses be removed from report due to identity theft also but that have not been completed. They are reporting c/o on an acct as if it is brand new it has already been charged off as bad debt in 2020. It is not charged off every month. Company took payment on charged off account after sending me a earned income statement. The bureaus will not report accurate information on my report. I just desire have accurate reporting information on my reports.
Product: Debt collection

ARS has 2 collections listed on my XXXX and XXXX credit report Both listed as opened on Opened XX/XX/XXXX {$440.00} Original creditor : XXXX XXXX Ars Opened XX/XX/XXXX {$1400.00} Original creditor : XXXX XXXX XXXX XXXX I never open an account with either creditor, neither did I gave anyone authorization to open an account on my behalf, nor do I know what each of those places are. 
I had previously requested validation and none was sent, seeing that none was sent I filed a complaint with XXXX on XX/XX/XXXX XXXX CASE # : XXXX seeing that the place kept insisting on saying that the debts where mine even without validation I also filed an FTC case for fraud on XXXX FTC Report Number XXXX. 
The company still claims that the debts are mine when they're are not I want both of these debts to be remove from my credit file as they're not mine and my credit report to be updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple dispute issues with XXXX, XXXX and TransUnion that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX XXXX TRANSUNION XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer.

Here is my dispute to XXXX, XXXX  and TransUnion ( below ). Due to the fact that these accounts are reporting inaccurate and have not been verified, corrected or deleted, they must be removed immediately from my credit report. 

Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? Congress states in XXXX XXXX TRANSUNION XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

XXXX XXXX XXXX You need to delete this account because its reporting so inaccurately, that I have no clue how its still on here. You didnt verify, correct or delete it, the issues are still there and you need to delete this immediately. 
Limit : XXXX $ XXXX/XXXX and TransUnion {$0.00} Past due : XXXX and XXXX $ XXXX/TransUnion {$65000.00} XXXX shows that I paid on time for XX/XX/XXXX an yet you show that I was late! How can that be? 
You are also still reporting late payments that make no sense! You state that I was late in XXXX of XXXX, and XX/XX/XXXXand XXXX or XX/XX/XXXXwhile XXXX clearly shows that I paid on time. Delete this account at once! 

XXXX XXXX XXXX You need to delete this account because its reporting so inaccurately, that I have no clue how its still on here. You didnt verify, correct or delete it, the issues are still there and you need to delete this immediately. 
Limit : XXXX $ XXXX/TransUnion and XXXX {$0.00} Any correspondence received to and from you will be made available to my attorney as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I'm filing this complaint with the Credit Bureaus because I believe the account below that is posted on my consumer report is a fraudulent account. I have no recollection of opening an account with XXXX XXXX XX/XX/XXXX. I tried disputing this with them to get more information on this account but they did not disclose any information to me. The account number is below. 

XXXX XXXX XX/XX/XXXX- acct # XXXX I've filed an identity theft report with the FTC and that report is attached below. I ask that this information be removed from my consumer report immediately because it is a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple inaccuracies showing on my credit report. I have tried to fix this problem with the credit bureaus however after a couple of days they close my dispute as if they looked at it with really verifying the information. 

I am including the below inaccuracies as I seen them showing on my credit report Accounts Bankruptcy- I have never filed Bankruptcy and the clerk of the XXXX XXXX court sent me a letter saying they never confirmed to any credit bureaus that the bankruptcy belonged to me XXXX account number n/a balance XXXX XXXX XXXX account number n/a balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Product: Mortgage

Hello. I had a change in homeowners insurance back in XXXX of XXXX. This has caused a 2 day lapse. My bank contacted me to let me know that I owe {$12.00} for this 2 day lapse. No problem, I simply added this amount to my normal payment. I didnt straight up say, this is the {$12.00} for escrow, no now they claim I didnt pay it. Due to this error, the bank has placed forced-insurance on my home which is doubling my payment. I cant afford this. I have gone around and around with my bank and they claim that I am past my timeframe and they refuse to release the forced insurance. Remind you I have had adequate homeowners insurance this entire time. My lapse was from XX/XX/XXXX - XX/XX/XXXX, they started the forced placed insurance XX/XX/XXXX. Ive been trying to work with them but they refuse. Now they are sending my foreclosure letters. I have been paying my mortgage minus the insurance. What can I do to get rid of this insurance and save my home?
Product: Checking or savings account

We previously filed a complaint in XXXX regarding a stolen check that was cashed at XXXX XXXX XXXX XXXX and our bank, Chase, providing no communication to us or XXXX  to try to recover the funds. After filing the initial complaint, Chase finally reached out to XXXX  on XX/XX/22 with the claim information. This is, of course, factually different from the response that Chase provided to CFPB on the prior complaint. XXXX  responded via fax and certified mail. Chase is now after having settled the initial claim with you stating that they finally reached out, are providing no further communication, and maintaining that they have not received any communication from XXXX  It has been almost XXXX XXXX since these funds were stolen and neither bank is providing the stolen funds or communication on when this matter will finally be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with FedLoan Servicing.     I missed payments because at the time I was very young and did not have a general understanding of how all student loans work. I applied for deferments and forbearance 's, but was never told or educated in regards to how long each would normally last and when to reapply. Over the past years, I have experienced job loss, financial hardship, and transitioning into  XXXX   XXXX   XXXX  including deployments to  XXXX   XXXX  and  XXXX . I have taken steps to ensure my financial responsibility moving forward. After finding out that my student loans were in collections a few years ago while I was in  XXXX , I quickly paid to get them out, but my credit report still shows the closed student loans with late payment statuses. These loans were transferred to  XXXX  afterwards but the old loans from FedLoan Servicing are still showing on my credit report. I reached out to them through disputing through the credit bureau 's and have also sent them a letter directly and received nothing back.
Product: Credit reporting or other personal consumer reports

Since XX/XX/year>. Capital one have charged off, closed and reopened this account a total of XXXX times. This account is being reported to the credit bureau with an incorrect address and incorrect status of the account. According to code 15 usc 1681eb the credit reporting agencies have the responsibility of reporting maximum accurate information to my credit report. How are they reporting income to my credit report ; when this account is in charge off status and the IRS has considered this account canceled or forgiven debt.