23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On  XXXX   XXXX ,   XXXX   I was notified by email that my credit limit had been decreased on my existing CITIBANK credit card , by Citibank, N.A.,   XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX   SD  XXXX . The reason cited was that my credit report reflected a " substantial number of debts owed to other creditors ''. iWhen I applied for the credit card, I held the same number of creditors and was approved for the card. I am current with payments, I make higher the minimum payments, am not in default with this or any other creditor, I have no collections, hold a 100 % payment history with this and other creditors. I have received unsolicited credit limit increase in my credit limit. I contacted a Citibank line manager regarding this decrease and was given the reasons stated above, based in part by reporting of   XXXX   XXXX   XXXX   XXXX   . I  explained that this report had been in dispute for some time with  XXXX , an d    XXXX   XXXX   XXXX   XXXX   XXXX   I reported that there was indeed approximately a  XXXX  poin t credit score  spread between theses two agencies and  XXXX  largely because both  XXXX , and  XXXX   XXXX  are reporting my home mortgage as an installment loan with a high balance rather than a home mortgage as it should be. My home Mortgage lender has called, wrote letters, and attempted to have   XXXX   and  XXXX   XXXX  correct the installment loan reporting to reflect a Home Mortgage to no avail. I also noted that this so called " occasional periodic credit report check, directly coincided with my  XXXX  birthday several days ahead of this credit limit adjustment, I AM ALSO A   XXXX   XXXX   XXXX   XXXX   and  may  in fact be a form of  CITIBANK  discrimination. No other creditor has made such an adjustment, I maintain higher credit limits with regular unsolicited increases, and as previously stated, are current, and likewise with no missed payments. On  XXXX   XXXX ,   XXXX  , just 4 days after receiving the decreased credit limit notification I received another email from Citibank which reads on the subject line " Notification : Dear  XXXX , we appreciate your loyalty -view THIS limited time offer '' this was a solicitation to apply for a AAdvantage, Platinum Select, World Elite,  Mastercard   XXXX  I get these invitations regularly from Citibank and am confused as to why I am asked to spend more, apply for additional cards, or otherwise am encouraged to use my  Citibank  credit card and at the same time find it hard for Citibank to justify the CREDIT DECREASE. As previously stated, I am not in default nor have I ever been with this card ( or others I possess ), I have no past due discrepancies, and do not understand on what  Citibank  has based their unfounded decision. Utilitie bills, mortgage, insurance and other debt also reflects 100 % payment history. Could my age have been a consideration? is there some other reason why Citibank chose to make this so called " periodic review '' and determination?
Product: Checking or savings account

SoFi locked my checking account stating that I " violated their terms of service. '' The only transactions that have taken place in that account are direct deposits from my workplace, a deposit of a check from a business, and other miscellaneous transactions such as transferring money to another checking account of which I am an account holder. 

SoFi and its representatives failed to state what portion of the terms of service they allege that I violated. None of my checks were rejected, frozen, or returned. All of my checks were successfully processed upon the first attempt.
Product: Mortgage

My name is XXXX XXXX, my compliant is regarding XXXX XXXX, Loan Processor with City Worth Mortgage. During my working with XXXX XXXX there has been several mistakes ( not completing employment verification in a timely matter, not following up with landlord for documentation, not explaining how overtime would effect the home purchase process and not returning phone calls ) that he has done throughout the mortgage process of trying to purchasing a home. Tuesday, XX/XX/2018 around XXXX my Realtor who has been working with to closing on house ( XXXX XXXX XXXX XXXX, TX XXXX ) called to inform me that XXXX XXXX told him the deal cant close because of my overtime. This angered me because he never told me that my overtime was a factor into me getting this home. Also, he talked about needing to have 1 year of overtime history without my knowledge. My agent told me that XXXX told him that him and his processor overlooked a form that supposed to be filled out by my place of work but they overlooked. City Worth Mortgage with the many errors and delays by XXXX XXXX has made me lose my Earnest Money {$2100.00}, Option Money {$150.00}, Inspection {$450.00}, Appraisal {$600.00}, missing about 4 days of work to make sure everything is completed without any problems. Also, I am paying month to month because I was told by XXXX that we were on schedule to close for XX/XX/XXXX. 
Below are everyone who was involved in trying to close of my home that I really wanted but due to miscommunication, lack of information and no follow up I have lost the home and I have to start all back over in looking for a home again. Please help! I can be reached at XXXX XXXX XXXX, Loan Processor XXXX XXXX XXXX XXXX, Closing XXXX XXXX Ext : XXXX XXXX XXXX XXXX, Processor XXXX Ext : XXXX XXXX XXXX XXXX, Mortgage Banker-Team Lead Cell # XXXX Office : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MCA collections company repeatedly reported a debt I did not owe on my credit report. I called MCA and they stated that I did not owe the XXXX debt and never owed it but they continue to report for several months. This caused my credit score to decrease by XXXX points each month for several months XX/XX/XXXX. After several disputes it was finally removed. I
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  by XXXX  have broken some Laws! 

They have a history of mislead sales practices. They just concluded a class action lawsuit of which they were sued for the same thing that happened to me. I was mislead about membership, points, bonuses, etc about this timeshare. I contacted owner support services and they did nothing about it. I have reported you all to the XXXX, and you all have many complaints from hundreds of timeshare owners. https : XXXX XXXX law you all broke is : Sum of all charges USC 1605 . The sum of all charges are supposed to include the finance charge, insurance, as well as the warranties. I had to pay extra for all of these..None of these were included in this agreement I signed. I, as the consumer am entitled to receive cash in hand since the timeshare was already legally paid for. Since I never received any transaction from XXXX by XXXX, this contract legally has to be terminated and all the money I spent needs to be refunded back to me plus the finance charge. 

XXXX law : By the provisions of the Fair Credit Reporting Act, any late payments can not be accessed to me or my fiance.. You all charged her and me a late payment, which is a violation of Us code 1666a.

15 U.S. Code 1681a states transactions can't be included so it will be a violation if a late payment hits my credit report ( which it did ) .Per law, a creditor can not under law report LATE PAYMENTS TO THE CREDIT BUREAUS. Timeshares expect consumers to follow the law or we get persecuted, the same goes for this business! 

XXXX. Per Us Law according to 15 us 1692c. We did not give permission for XXXX  by XXXX and the finance company ( XXXX XXXX ) to harass me and my fiance and threaten us everyday all day. We were getting harassed early in the morning and late at night which is ILLEGAL. We were stressed out, afraid and were very emotionally distressed of these calls! XXXX is not allowed to send cards or threatening letters to us. Per us 1635, I have a right to rescind!!!! 

XXXX. Me and my fiance experienced discrimination from XXXX by XXXX. Every price by law has to be exactly the same. Someone could have paid less for this timeshare than me and my fiance would have paid. We were unfairly discriminated against by your reps!!! This is a title violation per 15 Us 13!!! 

I have attached some paperwork that I advise you to view very carefully. A rep for me has sent the cease and desist form for you all, a dispute letter as well as stopping payments. I have more paperwork to send. The images are a little dark but I made sure you all can view them and I have a notarary signature
Product: Credit card or prepaid card

I was issued a Best Buy XXXX card offered through Citi Bank in XXXX in order to receive a discount on a purchase of an item from Best Buy. I repaid the balance on the card was repaid before the first statement. XXXX XXXX erroneously charged the card for approximately {$210.00} on XX/XX/XXXX, which was later refunded on XX/XX/XXXX. I canceled the credit card account on XX/XX/XXXX, and received verbal confirmation that the account had been successfully canceled. On XX/XX/XXXX, Citibank charged {$3.00} of interest to the account, and each month since then they have imposed interest charges and late fees on that {$3.00} of interest, to the point that {$11.00} had accrued on the account, and also reported late payments such that my previous credit score of XXXX is now at XXXX as a result of these late payments being reported. I just learned that this account was accruing interest and late fees by phone call today, XX/XX/XXXX at around XXXX XXXX. I have received account statements since the interest started accruing, but I also have received dozens of emails from Best Buy and the credit card with promotional/advertising materials, which I do not read. 

I do not care about the {$11.00}, but I need recourse to fix my credit score. I also need 100 % confirmation that my account is now closed. I half suspect they will continue to charge me here.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending the credit bureau multiple letters. I even decided to call and spoke with an agent who didnt speak really good english and I was hung up on with still no help. They are reporting an account on my credit report for XXXX XXXX XXXX account XXXX.I have NO CONTRACT with the company.
Product: Debt collection

check my 3 credit reports today. and seen collection account from I C System INC.

Never had account with this company, never got a letter in the mail or nothing. But it show up on my credit reports.
Product: Credit reporting

I have tried fro three months to have the XXXX credit bureaus verify incorrect information on my credit reports and i have not received any replies.. i even sent letters certified to make sure they received them and nothing to this date.. They have violated the FCRA and at this point and time they must delete all negative items from the reports .... I hope you are able to contact them in this matter as it has brought me to my wits end. Thank you for your time Attached is the last letter i sent this credit reporting agency
Product: Mortgage

On XX/XX/2020 we paid the agreed amount to satisfy two loans with TD Bank. I continue to this day to receive a statements from them claiming I owe them {$19.00} on one loan and that the other is still open. 

I have the satisfaction letters that demonstrate they have been recorded in our county registry as satisfied. We have a letter from the collateral dept stating the same. 

I have phoned them on four occasions to discuss this matter. Each time I get bounced around to different departments, left on hold indefinitely, and in the end, nothing is resolved. I don't receive any call backs or action taken to resolve the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, XXXX XXXX reporting illegally aged account. 

XXXX XXXX XXXX  XXXX TRUST These agencies all show a loan from XXXX on my credit report, which was last paid on XX/XX/XXXX. There were no more payments after that date. The loan was sold to XXXX XXXX  within the past few years. 

This is an old debt, over 10 years old. The original loan company ( XXXX ) went bankrupt. 

But XXXX XXXX re-aged the debt to XXXX, and recently placed it at all 3 credit bureaus.. This is completely illegal, any debts with over 7 years since last delinquency, must be removed from credit report. 

This illegal reporting has ruined my credit and prevented me conducting business with certain companies.
Product: Credit card or prepaid card

My card was stolen. I reported this to capital one. They opened an investigation and refunded my account. Charges were still being made fraudulently throughout the investigation. So my bank flagged capital one. This led to All payments made to my account being returned NON SUFFICIENT. Due to this capital one closed my account. Even though they say we are not held liable for fraud. This has caused me XXXX points in my credit.
Product: Debt collection

This debt was due to an XXXX visit where I clearly stated I did not have insurance and was unable to pay the bill. I was treated for a XXXX, and was not advised that I would be placed in collections for my inability to pay. This amount should be discharged.
Product: Debt collection

XX/XX/2016 : The collection by name of XXXX XXXX XXXX, a company in Minnesota, for an amount of {$2000.00} was reported to my Transunion credit report. I have never known this company, never received any communication from them, never lived in Minnesota. I tried to dispute with transunion when i tried to get my first car, they said it meets requirement and no other information and closed the dispute. This is so frustrating. Seems like they can just make debt out of thin air and targets specifically XXXX.
Product: Credit reporting

XXXX/XXXX/2015 CFPB helped resolve an issue with a credit reporting issue from XXXX XXXX. You provided me with a letter response from XXXX XXXX with accurate information which I sent a mailed dispute and copy of letter to each credit bureauXXXX TransunionXXXX. XXXX corrected the information, however Transunion is refusing to correct the information. They have a copy of the letter, but are still refusing and are stating they need a newer copy of the letter, even though it is dated XXXX/XXXX/15. 
This has severely impacted my ability to refinance my home.as rates are now rising. 
I would like to have this investigated as to why they are refusing to correct an error that has been sufficiently documented it is an error.
Product: Credit card or prepaid card

On XXXX/XXXX/2017, I discovered an XXXX charge on Discover online statement for a membership. XXXX had contacted me for months stating that the credit card on my account with them was no good. But, I did not sign up for any membership. And, since they do not have my credit card number to charge to, I did not bother to respond to their emails. Out of my surprise, XXXX was able to charge on my Discover credit card. Here 's my problem with Discover -- why would Discover give XXXX my credit card number? I did not give authorization for XXXX to charge my credit card. In fact, they did not have my credit card. But, Discover gave it to them and let them charge me. Discover should not have approved the charges. It was not an authorized charge. XXXX had this marketing tactic that was forced onto me. I called Discover and asked them to freeze my account so that no one can charge, but the representative did not do that. The representative asked me to call XXXX -- to find their phone number and try to settle it with them. I should not have to do anything if Discover did not share my credit card number with XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX  Bank ( Account Number : XXXX ) regarding inaccuracies in the late payment reporting on my credit file. The account is marked as closed, but the report shows two late payments ( 30 days and 60 days past due ), which are inaccurate and unverifiable. I previously disputed this issue directly with XXXX XXXX  Bank, but the reporting remains unresolved. 

Details of the Dispute : Late Payments Reported : XXXX XXXX  Bank reports two late payments ( 30 and 60 days past due ) for an account that is closed. 
These late payments do not match my records and are not supported by any documentation provided by XXXX XXXX  Bank. 
Lack of Verification : I have requested proof of the reported late payments, but no documentation has been provided to validate these claims.

Inaccuracy of Reporting : Under 15 U.S.C. 1681e ( b ) ( FCRA ), XXXX XXXX  Bank is obligated to ensure that the information reported is accurate. 
Under 15 U.S.C. 1681c ( a ), any negative information older than seven years must be removed. If these late payments are older than seven years, they should be removed.
Product: Vehicle loan or lease

Someone impersonated me and a loan was taken in my name via https : //www.dignifi.com/ in XXXX. I only found out about it when they called me for payment in end of XXXX. For the next few weeks, I got the run around from them, kept saying that their fraudulent department would get back to me, that there was no direct line for me to talk to. At every call, I requested they send me a copy or proof of the documentation that was taken in my name for the loan. They wouldn't. At the last call, after a lot of talking, they told me I could email their fraud department a copy of my DL and Social Security card and that they would then look into the fraud claim. I told them I did not feel comfortable emailing them that information, since it wasn't secure. They said then there was nothing they could do for me. That is when I filed a dispute via XXXX, which they denied and is why I'm now filling a complaint. I've also frozen my credit and am monitoring any future acclivities to hopefully not have this happen again. They didn't verify the personal address when issuing the loan since the person used my office address ( I'm a dentist, so this is public information ). The office address is not listed any where on my personal credit history so if they had run the credit, it would've been obvious something didn't smell right. Any help from your end would be greatly appreciated. Thank you in advance.
Product: Credit reporting or other personal consumer reports

I REVIEWED MY CONSUMER CREDIT REPORT AND NOTICE THATI HAD XXXX ( XXXX ) LATE PAYMENTS ON AN ACCOUNT THAT I NEVER WAS LATE LIKE MY OTHERS ACCOUNTS AND THE CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSABILITY TO REPORT CONSUMER INFORMATION TO THE BEST OF THEYRE ABILITY WHIT MAXIMUM ACCURACY, I HAVE NEVER BEEN LATEON PAYMENTS FOR THE ACCOUNT ( NAME : XX/XX/XXXXXXXX ) ( XXXX ) PLEASE INVESTIGATE AND PROVIDE PROOF WHIT STATEMENTS SHOWING THAT THOSE PAYMENTS WERE LATE. 
IF THE PROOF CAN'T BE PROVIDED, I DEMAND THESE PAYMENTS BE UPDATED TO ON TIME AS THEY SHOUD BE AS I WAS NEVER LATE. 

THANKS
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

i noticed on my credit report XXXX XXXX account number XXXX having incomplete and inaccuracies. i have tried to dispute this item and it still remains. now i have proof the no real fair and thorough investigation took place. i never received proof of this investigation they claim its been verified but have yet to send my any documentation on how and why it remains. first off XXXX doesn't even have an account number listed on this account and the open date is incomplete its XX/XX/2016 not XX/XX/2016. the same company reports to all three bureaus so they should all reflect the same information. if not how would anyone know that the account is accurate? it is also missing payment history and payment history is not the same across all three bureaus. incomplete and inaccurate accounts must be deleted per the FCRA and FDPCA. it shows on original amount of XXXX and a current balance of XXXX but no payment history ever. how can that be if there was no payment? and if there was a payment then it is not listed which is incomplete. either way incomplete or inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX : # XXXX '' '' '' 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX VA XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always been able to view my Equifax Credit Report online at Equifax.com ; however, I have not been able to view my credit report for over a month now. 

When I log into my Equifax Account, a pop-up window appears with the code " XXXX '' and tells me that my credit report and score are not available due to a technical error. The pop-up window also tells me to call XXXX and give the agent the code " XXXX. '' It appears that my credit report file is blank. 

I have called Equifax five ( 5 ) times and no one knows why this is happening. Sometimes, I get transferred to other Equifax agents and they can not fix the problem either. I have verified my identity in every way possible, and they even told me to change my password which I did, but none of this fixed the problem. I still can not see my credit report. 

The people at Equifax are not very good in solving problems and it has become frustrating calling them. They are very incompetent. Please help me.