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

Monday XX/XX/year>XXXX  I was calling to get information as to why they are closing our account and to help me figure out why we couldnt access/withdraw our money. I spoke to several people who seemed to not have any answers. They did not seem to care in helping me find someone who had answers. They were extremely rude and I was put on hold several times. I was hung up on 3 times. Each phone call was over an hour long. This has been going on since XX/XX/year>. My husband has also been calling and trying to get answers and we are getting no where. We have children to support and bills to be paid. What they are doing is absolutely unacceptable. I have never been treated so poorly by a bank in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
Product: Payday loan, title loan, or personal loan

called Citibank and let them know they ran my XXXX credit XXXXhree times on multiple days on five different day. I asked the rep why are they running my credit report multiple times and she arguing with me over the phone saying that they didnt when I have relevant proof. I asked Citibank to remove the multiple inquiries that they saying never received a credit report. I seeking legal action because I shouldnt have to argue with customer service when it is clearly showing on my XXXX credit report. I spoke to four different supervisors in the loan department at CITIBANK and was told they had a system issue. I recorded all the calls because I have a XXXX. I followed the federal under AMERICANS DISABILITY ACT regarding effective communication. I filed a lawsuit against CITIBANK Friday because my credit report was by the loan department. I am demanding the credit inquiries be removed because CITIBANK claims that they couldnt process the loan. I contacted XXXX and was told I need a letterXXXX  said inquires was verified.How can you verify something if five inquiries where ran for a single application.I gave Citibank multiple chances to fix the problems now I filed a Small Claims court lawsuit because Citibank refuses to send letter to or XXXX to get the erroneously credit inquiries off my reports. I spoke to multiple representatives and they said only run XXXX and they kept arguing with me.When call Citibank the automatic system says a pending application and will have response in two days. It is four weeks now the loan is not adjudication.
Product: Mortgage

I sold my house on XX/XX/XXXX. When my house was sold Mortgage Solutions took out my tax payment XX/XX/XXXX. As of the closing date they hadnt paid my county taxes so closing escrow had to pay it from my closing proceeds which totaled {$3200.00}. Ive contacted Mortgage Solutions shortly after asking where my refund was. I kept getting the run around until I filed a XXXX XXXX XXXX  complaint on XX/XX/XXXX. Mortgage Solutions responded to the complaint XX/XX/XXXX saying they have found my returned tax payment and was going to over night my refund via courier. I waited 1 week and called back to see why I hadnt received the payment. Turns out they never overnighted the refund check to me and supposedly sent it via normal mail. I call every day that says it will be there. Well its been almost a month and still no check. Ive been told that they can not reissue the refund until 30 days is up which apparently is XX/XX/XXXXXXXX  from when they mailed out the first check. I asked for this in writing and have been told I will get an email and still Ive received no call back and no correspondence other than when they responded to the XXXX  saying they would refund my taxes owed to me. Im beyond frustrated with this company as they are keeping money owed to me. This is causing undue stress on my life and is not a way to treat a veteran. This company needs to be held accountable.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to formally dispute the furnishing and/or obtain of my credit information, as I have never provided written consent to such actions, which are required under the Fair Credit Reporting Act ( 15 U.S. Code 1681b ). Upon reviewing my credit report, I have noticed that certain entities may have accessed or furnished my personal credit information without my authorization or permission. Specifically, I have never signed any document granting such consent to Experian or any of the companies listed. XXXX XXXX and XXXX XXXX XXXX Under 15 U.S. Code 1681b, a consumer reporting agency is only permitted to furnish my credit report under certain conditions, which include my written permission for certain situations. As such, I request that you : XXXX. Provide documentation demonstrating that I provided written consent for the access or furnishing of my credit report. XXXX. Remove any inquiries or accounts that were made or opened without my express written permission. XXXX. Conduct a full investigation into the matter and send me a written statement of the outcome, as well as any corrections made to my credit report. Please consider this a formal dispute under the Fair Credit Reporting Act. I expect you to complete your investigation and respond within the XXXX period required by law. Failure to comply with these legal requirements may result in further actions to protect my rights. Thank you for your prompt attention to this matter. I look forward to your response.
Product: Mortgage

My mortgage was sold from XXXX XXXX to Shellpoint Mortgage. My account with XXXX is under direct debt and the payment comes out of my account for the last XXXX years with no issues. After the transfer to Shellpoint my account was not being debted for the payment. 
I was never told until XXXX months later when I got a call about being XXXX months behind. I paid the back months right there over the phone to make my account current. I did not know at the time that Shell point would report my account as delinquent for XXXX months. I went to purchase a commercial property when the loan offer told me I had credit issues that would prevent me from buying my business property for up to XXXX years. I never got a letter or a call from anyone telling me that I would have to do something about the debt because my account was sold. I never asked for my account to be sold. I was perfect and happy with XXXX. Now because my account was sold, my business will suffer for XXXX years. This is not my fault. I simple call telling me I had to do something with the direct debt would have prevented the issues. I called Shellpoint and they told me there is nothing they can do to fix my credit. They had no other explanation. This is just wrong. This big banks make money off taking my loan and then turn around and hurt me and think nothing about. How is it my fault. I called Shellpoint and asked them to remove the lates from my credit. I was told that they agree with me and are very sorry but they can not remove anything from the credit. They told me to write a letter. I wrote the letter and sent it on XXXXXXXX/16 explaining my issues As of XXXX I still have not had a single call or letter from shellpoint.
Product: Checking or savings account

Pertaining to the invasive typo you sent me. 

" Agency was instructed that accounts were low in their account for XXXX Statement and that you would close accounts if a deposit was not immediate '' Which is because of XXXX XXXX that I became victim of, Then they sent out a abusive letter threatening to close my account, I am a human trafficking victims and investigators are assigned to this case to correct the problem, you did not experience any inconvenience on this case and as instructed before, were told not to allow overcharges on my account if it were ever even the fashioning last point imperial that funds would be so low, I have been ever so courtese to your company and your behavior is not of someone or something that cares about the integrity of animals or humanes who are under crisis rescuing on their volunteer hours. 

Please stop Harassing Me. 

I formally took care of Several Agencies Life Insurance Accounts including XXXX XXXX, XXXX XXXX, FBI, CFPB, FTC, Police Unions, Fire Unions and XXXX XXXX and have not been paid the 10 Year Salary They Owe me on top of the Mandated Reporter Fines owed by compensation against XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX + XXXX XXXX Wrongdoing from XXXX XXXX Outlandish Behavior. 

XXXX The account has been replenished of the funding and do not contact through mail under Confidentiality Requests, as it is Inappropriate and I have had problems with people opening my mail as of lately.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and am personally handling this complaint with no third-party involvement. Ive included letters that explain in detail the discrepancies on my credit report. There are inaccuracies and inconsistent dates reported across Transunion, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about my personal information being inaccurate on my credit report. I've called XXXX, XXXX and Experian about them reporting the wrong addresses on my report and they haven't resolve it and refuses to fix it. 

I am seriously concerned about the wrong addresses being reported and can also can jeopardized my identity or lead to Fruad if has not already. 

This is my fourth attempt trying to get these items removed. 
I wrote 3 letters these dates XX/XX/XXXX, XX/XX/XXXX and I am sending a letter day and I also called them XX/XX/XXXX and they did not fix this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX in regards to incorrect information on my credit report and they have not investigated my dispute. I have asked them for documentation on this account and have yet to receive it. They are reporting multiple inaccuracies, each credit bureau is showing different information. For example Transunion is showing date of last activity as XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. They continue reporting incorrect information on my report.
Product: Checking or savings account

I would get charged overdraft fees when there are no funds in my account. It would get charged multiple times
Product: Mortgage

I applied and was approved for a covid 19 forbearance plan. Start date XX/XX/XXXX through XX/XX/XXXX. We recieved the approval email from the lender. The next month our loan was sold to another company. The forbearance remains in effect but my previous Mortgage has made an error and is reporting incorrectly that XXXX is past due. Per the email while on forbearance, late fees would stop and reporting would show current to credit bureaus. This has not been the case. I have never been 30 days past due on my mortgage and this needs to be updated as soon as possible.
Product: Debt collection

Fair Collections & Outsourcing has been trying to collect a debt of {$2000.00} on behalf of XXXX XXXX. FCO Has given no real documentation that I owe this debt. I spoke with XXXX XXXX both corporate office and XXXX facility as it is known today and they had no information about the account. FCO has sent me a copy of a ledger no letter head of company claiming that I owe the alleged debt as proof of validation. When I challenged this, they proceeded to send me a copy of my lease from XXXX, which they could have obtained from any where. I sent them an email XXXX/XXXX/2016 requesting viable information proving that I owe this debt. I have asked fro the following in my email : CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting history leading up to alleged debt. 
Commission for debt collector if collection efforts are successful. 
They answered me today, by providing the same ledger that proves nothing and lease agreement that they could have obtained from anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I filed a FTC report and also sent multiple letters trying to resolve this issue my XXXX and XXXX were completely updated and resolved. 
These unauthorized inquires I am not aware of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX date of inquiry XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Card date of XXXX XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Card date of inquiry XX/XX/XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date of XXXX XX/XX/XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Financ Date of inquiry XX/XX/XXXX date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

In my recent credit report from TransUnion, I discovered that a bankruptcy record, along with several associated accounts, was inaccurately included. This information is either outdated, unverifiable, or otherwise improperly reported, resulting in severe damage to my credit profile and financial reputation. 
I formally disputed this bankruptcy record withTransUnion, requesting that they provide verifiable documentation from the original source or the court where the bankruptcy was filed. Despite my dispute, TransUnion failed to verify this information thoroughly or provide any valid documentation to support its inclusion. The agency also failed to conduct a manual review of the record, relying instead on automated systems, which do not meet the verification standards mandated under the Fair Credit Reporting Act ( FCRA ). 
Additionally, the inclusion of this bankruptcy record without my explicit consent violates my privacy rights under 15 U.S.C. 1681a ( d ). It also does not meet the permissible purposes requirement under 15 U.S.C. 1681b ( a ) ( 2 ). As a result, my access to credit has been unfairly restricted, and my financial standing has been compromised due to this erroneous reporting.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX 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 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 months that are reported late 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  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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

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

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX IS REPORTING ADVERSE INFORMATION ABOUT ME TO CONSUMER REPORTING AGENCIES. I DID NOT GIVE WRITTEN CONSENT TO FURNISH PRIVATE INFORMATION ABOUT ME TO ANYONE. AFTER VIEWING MY CONSUMER REPORTS, I NOTICED INCONSISTENCIES IN THE INFORMATION BEING REPORTED FROM CONSUMER REPORTING AGENCIES BY XXXX XXXX XXXX XXXX  ALONG WITH THAT INFORMATION BEING ADVERSE TO ME. I DEMAND THAT XXXX XXXX XXXX  DELETE THE ACCOUNT IMMEDIATELY. ATTACHED WITH THIS COMPLAINT IS MY COMPLAINT LETTER, PROPER IDENTIFICATION, AND SCREENSHOTS OF THE ALLEGED ACCOUNT FROM CONSUMER REPORTING AGENCIES SHOWING THE INCONSISTENCIES OF THE REPORTED INFOROMATION. XXXXXXXX XXXX XXXX HAS DISHONORED THE UNITED STATES CODE AS WELL AS MY RIGHTS TO PRIVACY AND KILLED MY CONFIDENCE IN THE BANKING SYSTEM. I DEMAND A RESPONSE WITHIN 10 DAYS FROM THE RECEIPT OF THIS COMPLAINT. HAVE A NICE DAY!
Product: Credit card or prepaid card

I made a balance transfer FROM Target TO XXXX XXXX. 
I am already paying on the balance transfered from Target however, Target is pretending they never got the payment. 

The balance was transfered and completed on XX/XX/XXXX. Target TOOK payment in the amout of {$3400.00}, which was my balance at the time. I called them before the balance transfer took place and after. They " can not find '' the payment and still are carrying on as if I owe them money. 

Please see the details below of the transfer. 

XX/XX/XXXX XX/XX/XXXX ELECTRONIC BALANCE TRANSFER XXXX # XXXX {$3400.00}
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 ( XXXX ) 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 shalli ) 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 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 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 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
Product: Student loan

I contacted Navient multiple times asking to defer my my loans. I was told it would be {$50.00} for each loan. And I had XXXX. Then I asked would they take a lesser monthly payment. They refused to take anything less then my bill asked for and it was nothing else that they could do at the time. All XXXX of the people I spoke to were rude and not trying to hear anything I was trying to say.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is reporting late payments to Experian. I have never been more than 30 days late on my credit card bill this could be an error the months and year it was reported were XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX
Product: Credit card

XX/XX/year> : I received my declined letter from first digital but unsure what or why it states " insufficient auto finance collection experience ''. 

I did not apply for employment, I applied for a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has ran hard inquiries on me without my consent, I did not give them a release to do so. I have contacted them several times about removing the information and it is still on my report.
Product: Credit card

This XXXX XXXX XXXX XXXX they shut me down closed all my credit cards and now when they tell me to reapply their system declined me saying I had recently closed an account this is ridiculous