23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

DEMAND FOR CFPB INTERVENTION ON ELIMINATION OF " ZOMBIE DEBT '' MAINTAINENCE ON CRA 'S!!! 
Attached are XXXX or several old mortgage debts that went into default many years ago, some may in fact be well over seven ( 7 ) years since they first went into default. If a full investigation was performed by the original procuring bank on any or all of these mortgages that are still on my credit bureaus, a determination can be made as to care of the property : 1 ) if the property is occupied, 2 ) if the property is an issue pertaining to urban blight, 3 ) or if the property has been seized by any servicing agency through a legitimate foreclosure process. Accordingly, I believe that the CFPB must without exception move quickly into the devastation being done to consumer 's credit on mortgage, credit card and student loan debts that simply are not collectible, and that the total responsibility on this abuse sits with the debt service/collection industry. In fiscal year XXXX, the Federal Trade Commission, the oversight federal agency of the Consumer Financial Protection Bureau, made a determination that the debt collection industry in relation to the application of the legal application of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act is broken. The introduction of the " Consumer Reporting Fairness Act '' is a great step to improvement of that system. Now the FDIC is stepping with guidelines towards abandoned properties. There are several methods the FDIC would like to see happen to limit foreclosures. The FDIC finds that there are unlimited foreclosure processes that simply are not necessary, that workout arrangements can be made without the long and costly legal process, a process that eventually is paid for by the FDIC, and eventually the United States taxpayers. The FDIC has established a very specific criteria on how banks should approach the foreclosure market, otherwise known as the " Zombie Market ''. 
1 ) Obtain and use the most current market value information on the property and use current valuation information when making the decision to initiate, pursue or abandon the foreclosure process. 
2 ) Implement criteria for determining when their lien ( s ) should be released due to the financial considerations they may face due to stopping the foreclosure. In some cases, the institution may face litigation. 
3 ) Notify appropriate state or local government authorities such as tax authorities, courts, or code enforcement departments of their decision to abandon the foreclosure process, and they must comply with the applicable state and local laws. 
4 ) Notify the borrower ( s ) that they will no longer be pursuing foreclosure, whether or not the mortgage holder has released the lien, the borrower has the right to occupy the property until a sale or title transfer occurs, and that the borrower is responsible for the remaining balance on the mortgage loan and for maintaining the property. 
5 ) Use reasonable means to contact the borrower in order to provide the notice described above, particularly in cases where the borrower vacated the property because the foreclosure process was initiated.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX 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 60 days 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. 


XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX
Product: Credit reporting

I 'm a victim of identity theft and someone else has been trying to open account in my name and I have some inquiries on my credit report I only have XXXX account with municipal credit union but it has XXXX inquiry from them XXXX/XXXX/2016 do n't belong to me and the company by the name of XXXX XXXX have XXXX inquiries on my credit report when I only supposedly should have XXXX from XXXX/XXXX/2016 belong to me
Product: Credit card

I am writing to file a formal complaint against Citibank , N.A . ( " Citi '' ) for their failure to properly investigate a legitimate dispute on my credit card account and their broader non-compliance with consumer protection laws. Citibank 's actions in this matter have caused significant inconvenience and financial harm, and I believe it is imperative that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to address these issues. 

Background of the Dispute : Disputed Transaction : Date : XX/XX/year> Merchant : XXXX XXXX XXXX XXXX XXXX XXXX Amount Charged : {$800.00} Correct Transaction : Receipt Issued By : XXXX XXXX XXXX XXXX Amount on Receipt : XXXX XXXX  Receipt Date : XX/XX/year> Details of the Complaint : On XX/XX/year>, I disputed a charge on my Citibank credit card, providing clear evidence that I had been overcharged. The receipt from XXXX XXXX XXXX XXXX which is a subsidiary of XXXX XXXXthe same parent company that owns XXXX XXXX XXXX XXXXshowed that the correct charge should have been XXXX XXXXXXXX. Despite this, Citi denied my dispute, claiming that the receipt was issued by XXXX, not XXXX XXXX XXXX XXXX, and therefore could not be matched to the transaction. This rationale is both unjust and indicative of Citi 's failure to conduct a proper investigation. 

Citi 's refusal to acknowledge the corporate relationship between XXXX and XXXX XXXX XXXX XXXX, and their reliance on a superficial discrepancy in merchant names, highlights a deeper problem within their dispute resolution process. Instead of protecting consumers, Citi is using technicalities to deny legitimate claims, thereby failing to comply with their obligations under consumer protection laws. 

Importance of CFPB Involvement : The Consumer Financial Protection Bureau plays a critical role in ensuring that financial institutions like Citibank adhere to fair and lawful practices in their dealings with consumers. Citi 's actions in my case, and likely in numerous others, demonstrate a clear disregard for consumer rights and a failure to comply with the Electronic Fund Transfer Act ( EFTA ) and other relevant regulations. 

Given Citi 's ongoing non-compliance and their refusal to resolve this dispute fairly, it is crucial that the CFPB intervenes to : XXXX. Investigate Citi 's dispute resolution practices, particularly their failure to recognize valid corporate affiliations and their use of superficial discrepancies to deny legitimate claims. 
XXXX. Ensure that Citi adheres to consumer protection laws, including the EFTA, by properly investigating disputes and providing fair resolutions based on the evidence provided. 
XXXX. Hold Citi accountable for any patterns of non-compliance that emerge from a broader investigation, and impose appropriate penalties and corrective measures to prevent further harm to consumers. 

Citi 's actions have caused undue stress and financial burden, and their refusal to resolve this matter appropriately reflects a broader failure to protect consumers. I urge the CFPB to take this complaint seriously and to conduct a thorough investigation into Citi 's practices.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I am currently in distress and suffering XXXX  XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very frustrated at this time, my concern was not properly handled by the XXXX credit bureaus - XXXX, Experian, XXXX. I've been writing letters for months now and did not get a clear explanation why they keep on saying the accounts were verified. Please carefully look at my name, social security number and date of birth. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information. All claims, true or not must be proven to be currently and fully TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP of my responsibility and or compliant to any and all applicable reporting laws and requisite standards. The accounts XXXX  XXXX BANK, XXXX XXXX BANK, XXXX XXXX XXXX history were not correct and is not a charge off. I PAID THE ACCOUNTS AND WERE SATISFIED AS AGREED. Remove this thing from my credit report as soon as possible the sooner the better because it is preventing me from getting anything approved
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX XXXX XXXX in regards to the late payments that were inaccurately reported to my credit report from XX/XX/XXXX to XX/XX/XXXX. I made every payment on time, However XXXX XXXX XXXX did NOT post my payments to my account when they were made. I have attached a list of my payments from their website to show that the payments were made. 

XXXX XXXXXXXX XXXX inaccurately posted late payments to my report. They are inaccurate as you can see I made the payment. XXXX XXXXXXXX XXXX  has also violated my consumer rights according to USC 15 1681a ( 2 ) ( 1 ). As the consumer, the person ( XXXX XXXXXXXX XXXX ) have inaccurately reported transactions ( late payments ). This have made my experience of purchasing a home a horrible one.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ) XXXX Acct. # XXXX, was repossessed on XX/XX/XXXX and Charged Off in XX/XX/XXXX. However, it continues to show a Charge Off each and every month after ( XXXX XXXX XX/XX/XXXX ) which hurts my credit report because it is showing a new Charge Off each month and thus does not allow this account to age. This is re-aging my account each month ( exhibit 1 ). 

My credit report also shows an on-time payment 6 months after I did not own the vehicle on XX/XX/XXXX ( exhibit 1 ). 

I disputed the continued charge-offs, but you responded and still included them in your investigation. 




I would like you to compare my credit report balance on XX/XX/XXXX and XX/XX/XXXX, to see if my balances were lower as in my XXXX credit report ( Exhibit 2 & 3 ). 
Please immediately remove this account from my credit report for all the FCRA violations Section 611 ( 5 ) ( A ) 2 ) XXXX Acct. # XXXX, this account should of fell under the Lemon Law, but I kept being assured by the BMW Dealership that a part was due toa factory defect. I stopped making payments in XX/XX/XXXX and I return the vehicle back to the Dealership in XX/XX/XXXX, just about 8 months after receiving the vehicle. It was an Early Termination, but it was listed on my credit report as a repossession. 

I looked at my credit report for XX/XX/XXXX and noticed that there were Charge Offs for XXXX and XX/XX/XXXX and then it showed on-time payment history XX/XX/XXXX through XX/XX/XXXX. How can I have on-time payments for a car I dont own or have? ( exhibit 4 ). 

XXXX also filed a IRS Form 1099-C Cancellation of Debt XX/XX/XXXX, in the amount of {$26000.00} which means the form 1099-C is a tax document used to report a debt of more than {$600.00} when it is canceled by the lender. The lender creates and mails this form to the debtor. The debtor reports the amount from the 1099-C because they are liable for the taxes that may be owed on that amount. Therefore, XXXX was compensated for that {$26000.00} where I had to pay the taxes on that amount. 

3 ) XXXX Acct. # XXXX, This vehicle was paid in full in XX/XX/XXXX, so why is this account still updating every month?
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS FINAL DOCUMENT SHOULD HOPEFULLY AND FINALLY RESOLVE THIs ISSUE. THIS IS NOT A DUPLICATE COMPLAINT. I have an account that is being incorrectly reported on by Equifax and XXXX. XXXX has finally corrected the issue on their end. Account number XXXX through XXXX XXXX XXXX ( originally through XXXX ) should be reported as Paid in XXXX and Closed as of XX/XX/2016. Equifax is incorrectly still displaying this item as open. XXXX is displaying this item as in Collections as recently as XXXX of this year. It needs to reflect that it has been paid in XXXX and closed since XX/XX/2016. I have included a correspondence with XXXX XXXX XXXX explicitly indicating the correct status and Paid In XXXX  and Closed and also the Date which the account was closed XX/XX/2016.
Product: Credit reporting or other personal consumer reports

Section 602a of the Fair Credit Reporting Act ( 15 USC 1681 ) emphasizes the importance of consumer reporting organizations upholding fairness, impartiality, and respect for privacy. XXXX and XXXX are consumer reporting companies ; I am the consumer. According to 15 USC 6801, financial institutions must respect customers ' privacy and protect their nonpublic personal information. The title " Furnisher of information to credit agencies '' defines a financial organization.

Section 2 of 15 USC 1681 states : " In general. '' According to subsection ( c ), a consumer reporting organization may only provide a report based on the written instructions of the consumer. The banking institution and consumer reporting companies, XXXX and XXXX, did not obtain my express agreement to provide this information. XXXX and XXXX 's consent to provide information to credit agencies, whether spoken, nonverbal, written, or inferred, is revoked. 
15 USC 6802 ( b ) ( c ) provides : " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( provider of information to credit agencies ) I was never advised of my right to nondisclosure. Not only that. 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This is an unpleasant thing being reported again without my authorization which is against the law. 
According to 15 U.S. Code 1681s-2 ( A ) ( 1 ) A, individuals are prohibited from providing incorrect information about consumers to consumer reporting agencies if they have probable grounds to believe it is so. 15 U.S. Code Section 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to confine the providing of consumer reports to the reasons listed under part 1681b of this title. XXXX and XXXX aren't following acceptable processes. Also According to 12 CFR 1016.7, consumers have the right to opt out at any time. Therefore, I am opting out of your reporting services.
Product: Debt collection

National Recovery Agency was reporting two debts on my credit report. I have never received written notification describing the alleged debt or who the original creditor is. I disputed it with the three major credit agencies and while one of the accounts were deleted as a duplicate, the other remains because National Recovery Agency certified it as mine. I then sent National Recovery Agency ( the furnisher ) a direct dispute via certified mail according to my rights under FCRA and CFR 660.4 but never received a response. The letter was signed for by XXXX XXXX XXXX according to my proof of receipt ( see Attached ).  This negative account is impacting my credit and interest rates and is not a good representation of my credit-worthiness.
Product: Mortgage

We have attached screenshots of certain areas of our online credit report for today ( XX/XX/XXXX ) Our loan was sold from XX/XX/XXXX to XXXX XXXX back on XXXX of XXXX. It was later Service Transferred from XXXX XXXX to Shellpoint Mortgage Servicing with an transfer date of XX/XX/XXXX. It was also later Service Transferred from Shellpoint Mortgage Servicing on XX/XX/XXXX ( this year ). We have made XXXX total and payments to the Shellpoint starting on XX/XX/XXXX to XX/XX/XXXX. They have yet to update the credit bureaus with the correct information. The data is very different from each of the credit reporting companies. In the 17 payment period with Shellpoint, we were never able to get them to correct any of the incorrect reporting. Our hope today is to get the data reported correctly. In the attached screenshots it shows the incorrect reporting. They have attached " including purchase money first '' to type of loan. When asking about that attachment, the person at the credit bureau indicated it was a very negative thing to have associated with a loan. It is not in out loan documents and could never be associated with our XX/XX/XXXX loan, and in no way should it be associated with anything after the loan sale. Can that line be removed from our credit report as well as the other corrections shown in the screenshots. Our XX/XX/XXXX report has the last payment made showing in XX/XX/XXXX, but shows " last payment '' for XXXX. Please correct in all three credit bureaus to show that all payments were made including our XXXX payment. Also remove the " no data '' reporting XXXX before XX/XX/XXXX ) in the XX/XX/XXXXreporting. Please and for once rightfully update all credit reporting agencies with the correct data. And finally please close out the Shellpoint Servicing just as was done with Nationstar before the transfer. There should never be any activity reported prior to the transfer. The XX/XX/XXXXshows last reporting on XX/XX/XXXX, but does not include the XXXX payment we made to Shellpoint on XX/XX/XXXX - please correct this as well.
Product: Credit card

I have a Citibank AAdvantage credit card that had XXXX fraudulent charges totaling XXXX ( from XX/XX/XXXX, XXXX XXXX, 2024 ) in XXXX, TN. I never use this credit card. I have never been to TN. I don't know anyone in TN. I have not made any purchases using this card. I just happened to check the account XXXX XXXX  and noticed those fraudulent charges. I never received any notification from Citibank. The first time I contacted Citibank, I was told they will mail a letter with reference # ; at that time I provided my home address. Weeks went by, no letter -- I contacted Citi again & I was asked to verify my address -- I was told that was not what they had in their system ( even though I had provided that information the first time I called ). I believe whoever made those charges, changed my contact information. According to Citi, they are unable to update my contact information, access my account, address this issue or verify my ID any other way ( although I have provided my XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) -- -I have to wait for a correspondence letter with a reference number. It's been over a month and I have yet to receive this letter. I called Citi again on XXXX XXXX and was told they will reissue the letter. I am still waiting on this letter.
Product: Credit reporting or other personal consumer reports

There are over XXXX inquires on my name that I did not approve Someone opened a credit card through XXXX XXXX in 2023 that all your great Credit Bureaus. Great protection that many inquires on my name allowed my credit score to drop out. 
Its probably all your XXXX allowed to access our accounts I cant get credit because your so called system of security is a joke when the XXXX get to get credit in my name with XXXXXXXX XXXX I just found out so Thank you for not protecting my name and the account was being paid for because of this last identity theft. 
Thanks again for not helping. Thank you for destroying Americans names
Product: Checking or savings account

On XX/XX/XXXX I had {$1000.00} in my Citi checking account and used the XXXX app to make XXXX debit card transfers of {$250.00}, {$350.00}, {$350.00} - a total of {$950.00} to my XXXX XXXX account using my Citi debit card leaving my Citi checking account balance at {$49.00}. On XX/XX/XXXX those XXXX charges posted to my account but XXXX days later when I log in it says my account is overdrawn by {$900.00} when no other charges have posted. 

The issue seems to be that the mobile/debit authorization holds for these XXXX purchases in the pending section did not fall off and disappear once the XXXX debit card charges posted on XX/XX/XXXX causing it to appear like I overdrew my account. 

I contacted XXXX support and they said Citibank is fully responsible for removing any debit authorization holds once a transaction completes. I contacted Citibank support via chat and they don't seem to understand my issue. I'm not trying to dispute any charges that have posted. I just want the authorization holds in the pending section to drop off since it's messing with my account balance and causing it to look overdrawn. Each day I still get a balance alert email saying {$49.00} is in my account. There seems to be a glitch on Citibank 's end that is causing these pending authorization holds not to drop off. Please fix my account! Thanks.
Product: Vehicle loan or lease

When I first took out a loan to purchase my car I was told I would receive a letter in the mail from TD Auto Finance with information on how to pay my first bill. A month passed and this bill did not come. I attempted to contact TD Auto Finance and was told I needed to wait to receive a bill in the mail. Another month passed and I still had not received anything. I called TD Auto Finance again and was told a bill would come in the mail. After some back and fourth, I found out I could in fact pay over the phone. I gave my card information on the phone and was told I could also set up auto-pay on the phone which I believed I had done. It was my understanding auto pay was set up, but months later I found out I had multiple missed payments. I was still not made aware of these payments through the mail. While TD Auto was not auto-charging my car payment, they were auto-charging me missed payment fees every month, so they did in fact have my card on file. When I found out I immediately paid all missed payments and set up autopay. 

I sent them a letter asking them to remove the derogatory marks from my credit score as their process of making payments was confusing and unclear, and because I already paid the late fee and have consistently on-time payments since discovering they were not charging me, but was denied.