23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This complaint involves Citibank regarding the misapplication of payments and incorrect late reporting on my account. This is a recurring issue, as I previously submitted complaint # XXXX regarding similar concerns. 

On XX/XX/XXXX, I agreed to a repayment plan with Citibank. 
On XX/XX/XXXX, I made two payments ( {$180.00} and {$92.00} ), which I understood would bring my account current for XXXX and XX/XX/XXXX based on information provided by a Citibank representative. Despite this, Citibank continues to report my account as late. On XX/XX/XXXX, I spoke with a representative ( ID : XXXX ) who stated that because I did not make an additional payment in XXXX, my account is considered past due. 

On XX/XX/XXXX I spoke with XXXX XXXX who indicated the account is not past due but the XXXX payment was not received. Even thought a payment was made on XX/XX/XXXX I would still need to make the payment that is due XX/XX/XXXX in spite the fact of XXXX confirming the account is current based on the repayment program. 

This contradicts the {$0.00} past due balance shown in my online Citibank account. Of which I have attached supporting evidence. Citibanks own correspondence states that payments can be made on or before the XXXX of the month. My XX/XX/XXXX, payment should have covered XX/XX/XXXX, as it was made within the allowable timeframe. Citibank appears to be applying payments strictly by chronological month rather than honoring their stated policy of allowing early payments. 

This situation has caused unnecessary damage to my credit report and financial standing, despite my adherence to the agreed-upon repayment plan. I request an immediate review of this issue and a formal response from Citibank through the CFPBs complaint resolution process.
Product: Credit card or prepaid card

I have been a good chase customer for several years, I always made my payments on time and did not use up my credit limits.     Suddenly I got a letter in the mail that due to " the card not being used as intended '' my accounts would be shut down. When I called them about this, they explain it was due to me opening up authorized user accounts to help people with their credit, that is simple untrue. I only opened authorized user cards for family or friends. I explained this to chase but no go, they told me the decision to close my account is final
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted XXXX XXXX to inform them that I did not authorize inquiry from XX/XX/XXXX which was showing on my credit report. Company stated they could not find my information and they could not help me.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I have had multiple fraudulent credit cards opened in my name. Also my address has been changed to the address in files below located in XXXX which is not my address!
Product: Money transfer, virtual currency, or money service

My initial complaint was on XX/XX/2022. I received payment XX/XX/2022. Square advertised " Instant Transfer '', which is not true. The original complaint ID # XXXX. Today is XX/XX/XXXX, XXXX, four days later, and Square is unapologetic holding my funds, being unavailable using the " Instant Transfer '' option sent to my email. I have the screenshots from Square that I received on yesterday, XX/XX/2022. Square really needs to be more socially responsible and stop with the " extra hidden fees, false advertisement and holding customers funds which is very unprofessional. Square needs to be held accountable for the way my account and transfer is being handled. Unacceptable on all levels.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three major credit bureaus have illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is for the consumer financial protection bureau to demand on my behalf that all 3 credit bureaus remove all of this Consumers social security numbers, date of births, financial accounts or credit/debit card numbers, driver license numbers, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. Consumer would also like to thank the consumer financial protection bureau for protecting her/his Personal, Family, and Household.
Product: Checking or savings account

At the beginning of XXXX, I realized I had an XXXX  account with Optum Financial. I initially didn't realize this because I never received a debit card from them. I created an online an account but was unable to validate it without the card number. At that time, I called and ordered a new card. In XXXX, I had not yet received a card so I called back. I was told that cards that were ordered during a certain period never went out due to a glitch in their system - though I was never notified. I requested another card, I believe on XXXX or XXXX, and still have not received it. I have called several times and no one will provide me any information as to where my card is or when I will receive it. Different associates have given me different, contradicting answers. I have asked for a way to access my online account without validating it by a card number- but have been refused. So I have no way to access my online account or to receive a card for funds that will expire on XX/XX/31. I have asked to be e-mailed a form so that I can submit for reimbursement via fax. Both times I have asked for this, I never received the e-mail I was promised. I have looked into this company online and dozens of people have the same complaints.
Product: Bank account or service

On XX/XX/2016 XXXXET my balance read {$39.00} on that same day at XXXX ET my balance read {$45.00}, the following day XX/XX/2016 XXXX ET my account read {$200.00} without me depositing any more, I decided to call " Chase '' customer service to get clarity on this fluxing account balance the rep told me that the balance that is being sent to me is yesterdays end of day balance which i do n't understand why would send me a past balance if its not the current up to date.On XX/XX/2016 XXXX ET my balance was - {$42.00} I decided to visit a " Chase '' an speak to the branch Manager. I spoke to the manager about the problem and was explained that a merchant I brought merchdise from took a week to take the funds I replied " I understand that but I called customer Service about my account changing daily, and no one informed me of thats why and let my account go negative thats why I 'm upset '' the Branch Manager responded saying " A lot of out customer have had issues with faulty daily balances '' I decided to close out one of my accounts and withdrew {$4300.00} and left {$100.00} in my other account cause I have my payroll check waiting to be deposit and ask that my debit card still be linked to that account. Only later to find out that my Debit Card was closed out as well. I submitted a compliant to " FDIC '' as well on an issued i have had with " Chase '' while I was working out of the country it was just to lengthly to write here as well but this is another recent issue I have had with " Chase ''
Product: Mortgage

I really just wanted to say to you guys that you take the time out to sue XXXX over credit cards!!!!!! really!!!!! you also sued ocwen loan co for their fraudulent impropoper practices but just let them keep doing it after they have been sued,,,,, ,they and wells fargo are now taking our home bc you guys do n't do your job!!!! thanks for being there for us homeowners begging you for help ... I think your all crooked!!!!! I honestly believe you are all in on it together!!!!! shame on you all!!!!!!!
Product: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX : Phone call to the phone # on the reverse side of my Business Debit XXXX, digital-currency payment card of The XXXX XXXX  XXXX XXXX. and c/o www.paypal.com. -- -- > ( XXXX ) XXXX. 
First problem : During daylight business hours of operation, I was patched in to a phone-tree which did not have the option needed ; and bot was unable to understand my clear, short, commands. Option for person customer service always must be available, and I was finally patched through to human named " XXXX '', from XXXX XXXX, CA, at XXXX ', who would not put me through to his manager after failures to serve me well, nor to PayPal card-service, nor state the phone # that I needed, to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX
Product: Mortgage

I bought my townhouse about 7-8 years ago for XXXX and I put 20 % downpayment. About 6 years ago I got some assistance reducing the monthly payment since I was laid off. Now my mortgage rate is about 5 % and I 'm still paying as if I had not pay the 20 % down payment because townhouses in the area are valued at around XXXX. I want to see if there is the option to reduce my interest rate and payments, my credit is good and so is my payment record. They want to charge me for closing costs on a home that is underwater? that 's unreal.I also want to know who owns the mortgage, Citi, XXXX XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding an account on my credit report from XXXX XXXX XXXX of {$10000.00}. 
Under Section 611 ( 5 ) ( A ) of FCRA any account and all information pertaining to it should be promptly deleted if it can not be verified. 
I have sent 4 letters to Equifax starting XXXX of XXXX asking to see verifiable proof ( hard evidence going all the way back to the original creditor, not verification from third-party database ) regarding this account. ( my first letter was on XX/XX/XXXX ) Under the FCRA, unverified accounts must be removed if Equifax is unable to provide a copy of verifiable proof. Their response was that the account is mine, without any hard evidence going all the way back to the ORIGINAL creditor and without verifiable proof. 
On XX/XX/XXXX I sent my second written request to them asking for a description of the procedures used to determine the accuracy of this account. But they did not provide me with any hard copy documentation showing that they properly verified this account and although under Section 611 ( 5 ) ( A ) ( i ) of the FCRA they are required to " promptly delete all information which can not be verified '', they did not delete the account and I receive the same response- verified- without any documentation as asked. 
On XX/XX/XXXX of XXXX I sent my third written request to Equifax, asking them again to delete this account because they did not provide copy of any documentation ( hard evidence that goes all the way back to the original creditor, not verification from a third-party database ). Also, they did not provide the method of verification as required under section 611 ( a ) ( 7 ).

Again section 611 ( 5 ) ( A ) of the FCRA states that any information which can not be verified with proper documentation to be promptly deleted. 
On XX/XX/XXXX I sent my 4th written letter to Equifax because the account is still on my credit report unverified. Again i did not receive copy of any original documentation for this account and no method of verification was provided. 
The account is still on my credit report. 
All my letters have been sent certified mail with return receipt and signature on them. Also all letters were signed by a notary agent before sending them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX Balance {$170.00} ; XXXX XXXX XXXX XXXX XXXX {$390.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute request to the company XXXX XXXX. They are reporting as a charged off debt. However, the company responded to my request to verify the ownership of this account by sending me a print out of how they are reporting the account to XXXX. The account is also reporting on my Transunion and XXXX  reports. This is not permissable under the FCRA as an accurate way to verify an account to a consumer. They must provide a signature or contract of service with this company and they have failed to do both on numerous occasions of requests to credit bureaus not properly verifying information as well. Please delete this account from all three credit bureaus for inaccuracy and estoppel of silence by not rendering contract of services.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX SS # XXXX ID # XXXX DOB XXXX todays date XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code Notes prev | next ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

20 U.S. Code 1087dd - Terms of loans U.S. Code Notes prev | next ( a ) Terms and conditions ( 1 ) Loans from any student loan fund established pursuant to an agreement under section 1087cc of this title to any student by any institution shall, subject to such conditions, limitations, and requirements as the Secretary shall prescribe by regulation, be made on such terms and conditions as the institution may determine.

( 2 ) ( A ) Except as provided in paragraph ( 4 ), the total of loans made to a student in any academic year or its equivalent by an institution of higher education from a loan fund established pursuant to an agreement under this part shall not exceed AS OF XX/XX/2024 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX XXXX  ACCOUNT # XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER OF FRAUD RECEIPT
Product: Credit card or prepaid card

On XX/XX/XXXX I received a declined transaction for fraud alert at XXXX XXXX. This was correct. my card had been stolen. AND IT WAS THE SECOND TRANSACTION THEY WERE TRYING TO DO. HOWEVER BOFA denied my fraud claim for the FIRST purchase at XXXX  XXXX  done minutes earlier for XXXX. REFERENCE NUMBER XXXX for card ending in XXXX here 's the email notification of the second transaction. I reported my card as stolen immediately. 
Here 's their notification sent XX/XX/XXXX XXXX XXXX  Do you recognize all of these transaction ( s )? 
Declined transaction at XXXX  XXXX  XXXX  XXXX for {$320.00} on XX/XX/XXXX Further when I tried to call in to dispute this XXXX charge with Bank of America they kept me on hold for 30 minutes then sent me to a voicemail that just hung up on me.
Product: Debt collection

This collection agency has placed a negative trade line on my credit reports indicating I owe them, or the original creditor they represent, money. I have not received any notices in the mail regarding this account nor was I given the opportunity to dispute the validity of the debt. Once this trade line appeared on my credit reports, I sent a certified letter to this collection agency requesting validation of debt. I have received no response. I sent another certified letter to them informing them I intend to sue for violating my rights under the FDCPA. I still have not received a response. The trade lines are continuing to appear on my credit reports even after I have presented the letters to the credit bureaus. Collection activity continues to occur after I requested validation. The lack of action and/or response by this collection agency demonstrates noncompliance with section 809 of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have call experian and XXXX about a collection company call credit collections svcs with account number starting in XXXX this collections should not be in my report this collections was sold by XXXX to them with out my authorization and consent i never consent for the lab work to be done i went to a doctor office they took blood i thought it was a routine blood work if i was to know the price of it i will have never authorize they never told me the price i was never sent a bill and the collection company never inform me by mail this is ilegal and shouldnt be allow in my credit report in experian and XXXX plus i never sign any document allowing the collection