23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am a U.S. citizen living in XXXX, and as part of a XXXX credit card I maintain ( I closed most of my accounts when moving out of the country, which was likely not a good idea as it might have affected my credit score ) I am able to get a summary report and credit score. I did that about two weeks ago, and realized that ( a ) the score is wildly inaccurate ( I recognize that is not the credit bureau 's part of the problem ) ; and ( b ) there is inaccurate information on the report, suggesting that I am not paying credit cards on time, which is not true. Indeed, it looks as if someone else may have opened a card in my name, since something like XXXX instances of a card paid late are apparently on the report, and I pay my XXXX credit card on time and indeed automatically! 
The real problem is that there is no way to use any of the XXXX credit bureau 's on-line systems without a U.S. address, nor is it possible to use the federal system that 's been set up by the CFPB without a U.S. address ( thank you for setting that up! ), nor is it possible to speak to a live person at any of the XXXX credit bureaus, at least I certainly could n't figure out how to. I sent a letter two weeks ago to Experian, with all details, since Experian had been listed as the source of the inaccurate information. I have yet to hear back, but I have n't given up hope. 
There are XXXX U.S. citizens living abroad ; we pay U.S. taxes ; and yet as far as I know we have no representation in Congress -- so no constituent services people to help. This situation with the credit reports needs to be addressed, since at this point I do n't know if I am a victim of fraud, and I could n't put a fraud alert on my accounts -- without a U.S. address! I 'm certain there are security concerns for sending reports out of the country, but there must be a good way to address that concern without making it impossible for U.S. citizens/taxpayers living abroad to get access to these important records. 

Thank you very much!
Product: Checking or savings account

Once again, not unlike Citibank 's predatory credit card rate practices, Citibank is engaging in predatory checking account fee practices. My wife and I have had a joint Citibank checking account for more than a decade. We have had a Citibank checking account that does not charge a monthly fee. Out of nowhere, Citibank sent a letter stating that they would charge us a monthly {$15.00} fee if our average balance was not {$15000.00}. 

Also, Citibank has attached an electronic notice to our online checking account dashboard telling us to deposit an additional amount of money to our checking account ( in our case, more than {$7000.00} ) to avoid their predatory checking account fees. 

Citibank does not show a phone number where I can contact them about this outrageous {$15.00} per month checking account fee to determine how I can get a Citibank checking account that does not have a monthly fee. Citibank 's so-called nonhelpful " online bot '' does not transfer me to a live customer assistance representative. It appears that the scammers at Citibank want to make it as difficult as possible for customers to contact a live Citibank representative while they are engaging in their credit card interest rate or checking account fee scams. These are punitive, regressive fees that hurt the people least able to pay them and put checking accounts out of reach for people who are most in need of one. Citibank appears to be limiting its services to wealthy customers who can carry large checking account balances, which eliminates these predatory checking account fees. 

Citibank has borrowed tens or hundreds of billions of dollars from the Federal government, and now, they want to restrict their no-fee checking accounts to people who have a minimum of {$15000.00} to place in Citibank checking accounts. It would appear that it's ok for taxpayers to bail out this scam bank that wants to now engage in predatory checking account fee practices. 

XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here are the details : XXXX XXXX Bankruptcy / XXXX / {$0.00}
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT SOMEONE ELSE IS USING MY PERSONAL INFORMATION TO OPEN FRAUDULENT ACCOUNTS
Product: Mortgage

My loan servicer ( Bayview Loan Servicing , LLC ) is denying me relocation assistance on the grounds that I moved out of the property prior to close of escrow of a successful Shortsale.
Product: Credit reporting, credit repair services, or other personal consumer reports

have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit card or prepaid card

XX/XX/XXXX, XXXX PST, I received an email from chase saying I was approved for a chase XXXX preferred card. I received the card XX/XX/XXXX. I attempted to activate the card at XXXX XX/XX/XXXX to find that the account had been closed before I could active the card. I called to inquire why, they told me after having approved me and extended me credit, some other, unknown department did some extra due diligence to decide not to extend me credit ultimately. They ran my credit, extended and approved my credit line based on my credit report that they pulled and then denied it. This is not how the credit process works and it unacceptable. This is a bait and switch tactic and is in violation of the Fair Credit Reporting Act. I asked them to remove the inquiry as I've worked extremely hard to improve my credit score over the last 2 years. My XXXX  score is XXXX, my XXXX score is XXXX and some how they are saying my XXXX is XXXX. They've denied my request to remove the hard inquiry to my credit report and have not extended the credit they approved me for.
Product: Vehicle loan or lease

This Complaint is about a XXXX XXXX that I bought XXXX XX/XX/XXXX, financially by GMFinancial. XXXX XXXX XXXX Account Type RETAIL Account Number XXXX At the time of the purchase I paid {$2000.00} cash with a monthly payment of {$260.00} for 72 months. on XX/XX/XXXX I wanted to pay off the car. I looked in their website an opened the payoff page I had a total payoff amount of $ XXXX.- with 7 payments to go. I did not agree with the total amount, so I called them. The first called the agent stated that was the total amount to pay off the XXXX. I explained if there are only 7 payments to go the total amount should be {$1800.00}, she talked about interest. I requested the statements since I bought the car on XX/XX/XXXX. She said she will contact another department to mail the statements. The statements never got to the mail box. I called them back, this time the agent explained the same, I didnt understand about the interest and told her I dont owe that amount, she said the information online is different from the one they have in the files. 
On XX/XX/XXXX, I called them again and the same answer, I never received the statements. There are a lot of discrepancies : 1 ) The 7 payments to go were there for about 3 months ; 2 ) In the history account they jump onXX/XX/XXXX, 12 payments to go and on XX/XX/XXXX 15 payments to go-3 payments increased ; 3 ) when I was in monetary crisis I didnt pay the month, but as you will see in the statements I had time when I paid {$500.00} ; 4 ) They never mailed the statements I requested with the {$2000.00} down  payment. As of as today they requested me to pay the car off {$2100.00}, still 6 months to go X XXXX = XXXX and I dont even owe them that amount. This car should be paid off on XX/XX/XXXX AMOUNT FINANCED {$12000.00}, {$2000.00}, cash down payment. AS OF TODAY, I had paid XXXX. 
THEY STILL CHARGING UNTIL XXXX ANOTHER {$1300.00}. I havent made XXXX payment, Im sick, a lot of lab to find out what is going on with my poor health. My income is not the same as before. And I need to get rid of this account, I turn XXXX yrs on XXXX and I dont want this account on my shoulder. 

Thank you for any help with this situation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, Fl XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a vehicle in XX/XX/2016 and corresponding 3 year financing ( {$9700.00} ) through XXXX XXXX. Currently, my open balance is {$500.00}. My credit reports shows the open balance but, there is no reporting of a related Credit Limit or High Balance. The failure to report the Credit Limit negatively impacts my credit score as shown in the attached documents. I submitted disputes to both the Credit Reporting Agency ( Experian and directly with XXXX XXXX ) to no avail. The results of the most recent Experian Re-Investigation is included.
Product: Money transfer, virtual currency, or money service

Hello CFPB, I'm at a loss & don't know where to turn to at this point. Let me start with an overview, then I'll dive into my personal experience. 

XXXX XXXX is holding thousands of customers money XXXX in orders that can not be cancelled and marking the funds as " XXXX '' due to these orders. 

This all started 2 days ago when they found an incident that was causing orders to not be cleared. See their status page for details ( https : XXXX ). As soon as the issue was resolved, I put in a limit order to purchase {$3000.00} worth of $ XXXX. I noticed the order wasn't going to be fulfilled as the price was quickly moving up, so I attempted to cancel the order & place a new one. As soon as I attempted to cancel the order it appeared it had worked, but I didn't have my funds to place a new order. After refreshing the application I could see the order was still sitting on their books & my funds were still on hold, but again, my funds are locked " on-hold '' ( https : XXXX ) and can not be used for any new orders or even to withdraw. Here you can see the order is still sitting on their books ( https : XXXX ), but you can't cancel it. If you try to this is the error that gets thrown ( https : XXXX  ). Here is a video of attempting to cancel it, but it doesn't work ( https : XXXX ). Here is what it looks like on their mobile app ( https : XXXX  ). I've contacted them via email & XXXX, but there is still no resolution & my funds are not being released. 

I appreciate your time & effort looking into this matter & hope we can restore thousands of their customers money in a timely fashion. 

XXXX regards
Product: Mortgage

Modified first loan with XXXX. I was told they would then modify my XXXX. XXXX sold the XXXX mortgage to Green Tree which now demands full payment of XXXX mortgage. Green Tree has entered into a temporary payment plan with us on the XXXX and demand full payment every XXXX months. The payment that we are making is XXXX times higher than the original loan payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Date Updated : XX/XX/XXXX XXXX XXXX Balance Owed XXXX $ XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX Balance Owed : {$560.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$920.00} XXXX XXXX  Original Creditor : XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : $ XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX my car got total, I let ally know and it was growing through the insurance process. They couldnt deem it as total loss, but gave me an amount that I sent to ally with my gap coverage. However, gap did not cover the final amount but my car is fully totaled?
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXXXXXX Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account. 


5. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report.
Product: Credit card

I have 2 separate CitiBank credit card accounts. I took advantage of their balance transfer option. The account balance was transferred in total and then they sent me a refund check in the amount of the balance transfer. I called to reassure that I was indeed due a refund check and was told by a representative that I was. I cashed it and was told that I had to pay it in full 2 months later. I cant get in contact with someone to settle this matter.
Product: Debt collection

Back around XXXX of 2019 I had XXXX, no insurance at the time. About a year ago that debt was sold to a different company and they started saying that they were sueing me. No warning They didnt hand me papers but they handed to one of my roommates I then tried to work with them and they continued to add fees we settled with my first payment and they told me they wouldnt add any interest or fees and I continued to make payments I think I may have missed a month or two of no payments and I believe they just added more fees and interest they are being really aggressive and they are trying every way possible to get more money out of me. Its not fair I have a lot going on Im not rich Im poor I have a low income job with a lot of bills
Product: Credit reporting or other personal consumer reports

I initiated arbitration with Net Credit due to my disagreement with the amount outlined in the FCRA and their agreement. According to their terms, I have the right to arbitration. Despite regular deductions from my bank account, they not only collected a recent payment but also sent threatening correspondence and charged off my account without ever acknowledging my arbitration request.
Product: Debt collection

This company has reported a debt on my credit report that I did recognize. When I disputed the validity of this debt with the company through a validation letter sent via certified return receipt mail, the company turned around and verified the debt as a valid debt to the credit bureaus, whereas they were required by the FDCPA to report the debt as " disputed. '' This is a clear violation of FDCPA. 809. Validation of debts [ 15 USC 1692g ]. ( see attached credit report excerpt )
Product: Payday loan, title loan, or personal loan

The company is straight up harassing me. I had already received a letter that they turned me over to a collections agency. Then they call me at work, on my cell phone. They even showed up at my house to drop off a letter. I understand the phone calls on my cell phone. But calling my job and also showing up at my house is where I draw the line. That has pushed it past where it needs to be
Product: Debt collection

The debt was paid and there is no balance on the account. 

If a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease all communication. 

There is no amount owed.

15 U.S. & 1692c ( FDCPA ) prohibits debt collectors from communicating with third parties in connection with debt collection.
Product: Bank account or service

On XXXX/XXXX/2016 I lost my debt card issued by Regions Bank. I noticed the card missing on XXXX/XXXX/2016 and reported it lost via telephone. At around XXXX the banker over the phone shut down the debt card and took my current address and stated that a new card was going to be shipped to my new address. I also disputed some fraudulent charges that were made on the account. I also requested to be taken of the overdraft program and not to honor any charges if there 's no funds in the account. This was requested in order to prevent overdraft fee ( {$36.00} each ). On XXXX/XXXX/2016 I called regions bank and request a status on the new card and report that there is automatic payments that are hitting my account and causing the account to get overdraft charges. I explained to them that I was waiting for them to send the new card along with the results of the dispute. I then get XXXX different version of what happened to the card. The first was that the card was going to be mailed to my new address. The second is that they cant send me a card because I have to go into a branch and show them ID and proof of address, and the last that the card was issued to the old address and that it was canceled. I asked about all the overdraft charges and they said that they cant do anything about it, that my dispute was denied, that I have allowed other people use my card. So I am stuck with the theft and the over draft charges. I even ask them to stop payment on all accounts as I originally have requested but they said that they cant do that either. Every time I requested to speak to a supervisor something would happen to the line or it would ring for about 20 mins and then hang up. The last conversation was that a compliant was file with Regions, that the fees will remain, and that I have to go in to a branch. After almost two hours of my time, I got no where and now I have to take time from work and go in person and see if this can be resolved. I am very upset with Regions Bank, they lied to me, made me wait for a card for 15 days when in fact it was never shipped to the correct address and due to this error there is {$260.00} in overdraft fees. I really do n't think this is fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written XXXX, Equifax, XXXX 3x disputing the incorrect and fraudulent information on my credit accounts. Begging for the Burden or Proof. The bureaus have sent letters and emails denying my claims of incorrect reporting, inaccurate reporting and identity theft. Stating the the reporting companies certify that these INQUIRIES, missed payments, late payments, and or collections accounts are mine. I have yet to be provided with documentation or verifiable proof that these negative accounts belong to me. I feel that due to my race the bureaus are targeting my credit profile to keep my scores low and my ability to prosper from good credit from happening. I have challenged their accuracy in reporting using 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Ive also challenged their collections errors and late payment errors using 15 U.S. Code 1681s2 ( b )
Product: Debt collection

I sent a certified validation letter to Phoenix Financial Services XX/XX/2023, I also informed Phoenix Financial Service they are not allowed to collect a debt in California Per Debt Licensing Act ( DFPI ) I do not know where this debt originated from. Please see attachments. If this is a medical bill, I have and have always had insurance. You also have this as an open account.
Product: Money transfer, virtual currency, or money service

XXXX. All the details were included in a complaint submitted last year. 
XXXX. Please refer to Complaint No. XXXX which was closed by CFPB. 
XXXX. The matter remains unresolved. 
XXXX. I'm unable to transfer funds online from XXXX in absence of any clarification from Bank of America regarding payable fees. 
XXXX. The bank hasn't provided any response in writing. 
XXXX. Please see further comments in the next section.
Product: Vehicle loan or lease

I traded in a car as a down payment ; on a XXXX used car an everything was fine.The guy that sold me the vehicle at XXXX XXXX XXXX  ; Said XXXX XXXX would finance the car. An your payments would start XXXX ; XXXX ; ; XXXX. He said they would contact me to setup payments.Three months past still haven't hered anything ; Turns out they got my address wrong when they submitted it to XXXX XXXX so my billing was going to someone else an before I new it they came on my job to take the car as repossession. I never made a payment because the billing was going to another address.Now I have proof they got the addresses mixed up an they still won't return the vehicle trade in or compensate me for their error or mix up.I have all the proof you need on paper that it was a mix up.
Product: Credit reporting or other personal consumer reports

I sent out letters but never received anything back its been over 30days
Product: Credit reporting or other personal consumer reports

Experian refuses to delete a charge off my credit report and its hurting my credit score, I have tried calling them and also have submitted complaints online on the violation of my rights as I have not given written consent they need to remove it, I have let them know of my identity fraud and fraudulent activity and they still won't remove it from my account.