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

I am resubmitting this complaint, because Citibank closed my prior CFPB complaint as falsely and intentionally saying there was a third-party filing my complaint, which there was not, and that I needed to provide them authorization to investigate my complaint. I have attached my signed authorization for Citibank to investigate this complaint and discontinue their deliberate attempts to violate laws by refusing to investigate my complaint of unfair, deceptive and abusive lending practices. See original CFPB Complaint ID XXXX and CFPB Complaint ID XXXX. The next step is me filing complaints with the FDIC for Citibanks intentional decisions to deny rights under fair consumer practice laws. I applied for a My Best Buy XXXX XXXX, My Best Buy Credit Card and My Best Buy XXXX  Gold credit card, all in one application, on or around XXXX XXXX, 2022. I was not immediately approved but instead advised that my application needed more time for review, and I would receive a response within 14 days. This online decision did not provide any reasons or justifications for why the application needed further review, but it was not reviewed by a human at all. On XXXX XXXX, I received an e-mail from Citibank regarding the status of my application, and it stated my application was denied because I had recently been declined. This decline reason provided absolutely no specific information on the " recent decline '' -- how long ago was the recent decline? Why was I recently declined? What were the decline reasons on the recent decline? When am I able to reapply? How do I dispute both declines? The XXXX XXXX letter is generic and scripted. As such, I am stuck with an unfair and deceptive decline that does not meet FCRA and other guidelines when declining me for credit. Furthermore, my credit reports from all three credit bureaus were disputed within the last 30 days, and they have now been updated to reflect derogatory information that has been removed since I applied for these Best Buy credit cards. I attempted to call the phone number on the attached letter to speak with a live human, as no actual human has reviewed any of my declines for these Best Buy credit card applications, and there absolutely no way to speak to a human to discuss the inaccuracy of the decline letter or how to go about disputing the decline ; the automated system only provides scripted, generic information that my application was declined and does not offer any possible way to discuss this. My understanding is that Citibank is basing this XXXX denial off a XXXX application for the same credit cards -- despite the fact that my credit report has been updated to reflect deleted derogatory information. All things considered in this complaint, I believe that Citibank has intentionally engaged in unfair, deceptive and potentially illegal credit lending practices in reference to my Best Buy credit card applications.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Second Dispute of Inaccurate Late Payment Reporting for XXXX XXXX XXXX Account Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my credit report associated with the following account : Account Details : Account Name : XXXX XXXX XXXX Account Number : XXXX High Balance : {$24000.00} Last Verified : XX/XX/XXXX ( XXXX ) Date of Last Activity : XX/XX/XXXX ( XXXX ) Date Reported : XX/XX/XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Closed Account Description : Auto Loan Dispute Status : Account not disputed Creditor Type : Auto Financing Account Status : Closed Payment Status : Current Last Payment : XX/XX/XXXX Discrepancy Details : The late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are incorrect. According to my records and verified payment history, I made all payments on time during this period. These inaccuracies negatively impact my credit report and do not reflect my financial responsibility. 
Evidence Provided : To support this dispute, I have attached the following documentation : Screenshots of payment records from my online account showing that payments were made on time for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Copies of my previous dispute correspondence, demonstrating that this issue has been raised before but has yet to be resolved. 
Other relevant documents, such as account statements and communication with the creditor, confirming the accounts good standing during the disputed months. 
Legal Reference : As per the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports must not contain inaccurate information. Additionally, section 15 USC 1666 ( b ) outlines the requirement for accurate and timely reporting of payments. 
Request for Investigation and Update : I kindly request that you : Investigate this account and update the payment history to reflect " Paid As Agreed Never Late '' for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Provide a detailed description of the investigation process, including procedures and evidence used to verify the accuracy of the reported late payments. 
Timeline for Response : In accordance with the FCRA, I expect a written response to this dispute within 30 days. If verifiable proof of late payments can not be provided, I request that the inaccuracies be corrected immediately. 
Thank you for your prompt attention to this matter. I look forward to receiving your response and resolution. Please contact me directly if additional documentation is required. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Product: Mortgage

Wells Fargo Home Mortgage Foreclosure Attorney - XXXX XXXX XXXX has filed a lawsuit against me WHILE I AM CURRENTLY in loan modification review with Wells Fargo for my mortgage. 

I feel this is a violation of the dual-tracking laws. 

XXXX XXXX XXXX should not be pursuing a lawsuit against me during a loan modification review with Wells Fargo. 

I do not have XXXX which most attorneys want as a retainer to fight the district court complaint filed in XXXX XXXX against me WITH A RESPONSE DUE BY XX/XX/2017 or I am in default. 

I need help ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and In accordance with the Fair Credit Reporting act XXXX Account has violated my rights. 
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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for months to get my credit report from Equifax and XXXX. Every time I try to login I get an error to call them. I have spent hours on the phone trying to get this fixed. Whenever I'm told it's been escalated I call back and I'm told it wasn't escalated. No one will fix the issue so that I can get my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian decreased my credit score due to XXXX XXXX decreasing my credit card limit of which i am an authorized user on. There was no non-payment, late payments, extra high limits or any derogatory information. They decreased the limit due to non-usage of the card. I find this RIDICULOUS when people work to pay off cards or stop using them to stay out of debt. I wonder how many other people have their credit score affected by such an outrageous action, or how many people know about such. THIS SHOULD BE INDICATED ON MY ACCOUNT TO SHOW THAT THE DECREASE WAS IN No WAY CAUSED BY NEGATIVE ACTIONS BY THE CONSUMER.
Product: Credit reporting or other personal consumer reports

I noticed my scores were dropping and decided to look at my scores. I realized someone had opened several accounts in my name and they all, well, most of them had gone into collection. I reached out to the FTC and followed the recommended steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for a XXXX account. While no account was established the application left a fraudulent related inquiry on his Experian credit report. Attempts have been made to remove the inquiry as it is fraud related however even with a clearance letter from XXXX, Experian has verified a fraudulent inquiry as being accurate and factual which is a violation of federal consumer laws under the FCRA.
Product: Mortgage

On  XXXX / XXXX / XXXX  my mortgage servicing compa ny ( Ocwen ) received my cashier check in the   amount of {$14000.00} which was applied toward the period of  XXXX / XXXX / XXXX  through  XXXX / XXXX / XXXX . I had received a notice of default from the company for that period. As instructed by the company, prior to submitting my payment, I called to verify the EXACT AMOUNT past due on the account. I was told to send a bank check in the amount of {$14000.00} which was the exact amount needed to bring my mortgage current to  XXXX / XXXX / XXXX  and was received b y Ocwen  on  XXXX / XXXX / XXXX . I sent my check  XXXX .  XXXX  in the amount of {$20000.00} under separate cover which the company received and applied accordingly for  XXXX / XXXX / XXXX . I specifically asked for the exact amount that would be due for  XXXX / XXXX / XXXX  and was told {$20000.00}. I was assured there would be no additional charges. When I received my statement for  XXXX / XXXX / XXXX , there was a total amount due of {$4200.00}  ( {$ 2000.00} for  XXXX / XXXX / XXXX  and {$2200.00} listed as past due fees/other charges. I wrote a letter to the company requesting an explanation, and was told these fees were from servicing fees incurred in  XXXX  whe n Ocwen  acquired the loan from Homeward Residential. I am not in agreement with these additional fees and respectfully request your assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" I noticed an error on my credit report that does not reflect accurate information about my financial history. Specifically, [ describe the issue, e.g., a debt that I have already paid off is still marked as delinquent ]. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate or incomplete information in my credit report.

I contacted the credit reporting agency and the creditor to resolve the issue, but the information has not been corrected within the 30-day timeframe required by law. This failure to correct the error has caused unnecessary harm to my creditworthiness and financial well-being. I am requesting the CFPB to assist in addressing this matter and ensure the companies comply with the law. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquire accounts that not a obligation of mines appears on my credit report 15 use 1681 ( b ) ( A2 ) - costume law I need for u to remove all .This is a violation of my consumer rights 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Transunion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$4400.00} XXXX XXXX Balance : {$3900.00}
Product: Debt collection

I purchased a car in XXXX through XXXX XXXX XXXX and it was voluntarily repossessed due to layoff on my job. XXXX XXXX placed it on my credit report which affected my FICO score. Jefferson Capital purchased this account from XXXX XXXX and has placed it back on my credit reports as if I signed an agreement with them as of XX/XX/XXXX for a loan of {$20000.00}
Product: Credit card

XX/XX/XXXX or XX/XX/XXXX charges were applied to an online account that I did not setup. All the charges were done per online. I never set up online accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a while ago that a collection appeared on my credit report for the amount of XXXX. It is listed as " XXXX XXXX XXXX ''. It indicates the original creditor is " XXXX XXXX XXXX XXXX ''. And it indicates the account was opened on XXXX. I moved to Oregon in XX/XX/XXXX and bought XXXX insurance shortly after due to my insurance company being unable to keep me insured due to a ticket. My insurance that indicated they couldn't keep me in was XXXX. Prior to that, I had XXXX for years ( Since at least XXXX ). I actually was involved in a lawsuit that clearly was with XXXX in XXXX following an accident, which I was not at fault for. I am including documents that I found via my email showing my XXXX policy as early as XXXX and my last email from the XXXX which was in XXXX. This means this debt is falsely reporting to my credit that I owe them for a debt that was created in XXXX, and it is past the statute of limitations per WA law which indicates any written contract 6 years is the statute of limitations. However, insurance companies bill on a monthly basis. I simply changed insurance policies and chose not to continue with them, therefore, I will not for insurance I was not actively using and did not pay which resulted in a lapse- not a balance.
Product: Credit card

I believe the account is invalid. JEFFERSON CAPITAL SYSTEM LLC. needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 
XXXXXXXX XXXX XXXX  4XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and concern with the way my numerous attempts to rectify a late open account on my credit report have been handled. Despite my persistent efforts to address this issue, it continues to negatively impact my creditworthiness and financial well-being. 

This late open account is significantly affecting my credit score and causing difficulties in obtaining loans, credit, and financial opportunities. I have meticulously followed the appropriate procedures for disputing this issue, including providing supporting documentation and complying with the regulations stipulated in the Fair Credit Reporting Act. 

Despite my continuous efforts, the late open account remains on my credit report, and no corrective action has been taken. I am deeply concerned about the harm this situation is causing to my financial standing and overall quality of life. 

I have attached copies of all my correspondence, dispute letters, and supporting documentation to this complaint for your reference. I request a thorough and prompt investigation into this matter to rectify the late open account on my credit report. 

I kindly request that you provide me with a written response detailing the results of your investigation and the steps taken to correct my credit report within 30 days of your receipt of this complaint, as required by the Fair Credit Reporting Act. 

In addition to the correction of this issue, I also request that the credit bureau provide a written statement outlining measures taken to prevent the recurrence of such inaccuracies in the future. This is vital to safeguard my credit and ensure that others do not experience similar challenges. 

I am fully willing to cooperate and provide any additional information or evidence required during the investigation process. 

Failure to address this matter in a satisfactory manner will leave me with no choice but to pursue legal action to correct this issue and seek damages for the financial harm caused. I am asking for your assistance to correct the late open account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

XXXX XXXX XXXX XXXX  is withholding my transcripts due to unpaid balances. They are stating I was paid out for loan and then they had to repay the loan back on my behalf and now I owe them that money. I wasnt even enrolled in XXXX  for the year they are staying and that was confirmed by a representative of the FAFSA/Student XXXX. This XXXX  was under investigation for Fraud and Criminal Acts being reported during the duration of my study! It has been over ten years I have XXXX at the XXXX  and they have withheld my rightly earned credits!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX 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  ( orgingal creditor XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX orgingal creditor XXXX XXXX  ) has violated my rights. 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
Product: Credit reporting or other personal consumer reports

I was working out at XXXX XXXX XX/XX/2019 my purse and phone was stolen from the locker containing my identification, credit cards, social security card of myself and both of my sons, my car keys, and {$48.00} in cash. At the time I made a police report with XXXX XXXX report XXXX XXXX. Since then I have received notification of change of address that I did not make and the following accounts are fraudulently opened accounts. XXXX {$4700.00} act # XXXX, XXXX {$3200.00} act # XXXX, XXXX {$4200.00} act # XXXX, XXXX  XXXX {$3700.00} act # XXXX, Citicards CBNA {$1000.00} act # XXXX, XXXX $ XXXX, XXXX XXXX XXXX XXXX {$1400.00} act # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$96.00} act # XXXX, XXXX XXXX XXXX XXXX {$690.00} act # XXXX, XXXX XXXX & XXXX XXXX XXXX XXXX {$3100.00} act # XXXX. Banks opened fraud are XXXX XXXXk, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I sent a letter stating I no longer authorize automatic payments as a third party was to take over and make payments for me. emoneyusa contacted me and told me that they do not work with third parties and if I was to do that option they would report my loan as defaulted on my credit report and in collections. After numerous emails threatening me to pay I arranged a payment plan with them. The payment plan was XXXX payments of {$94.00} at an interest rate of 100 %. I later got an email stating that the percentage was decreased to 200 %. I emailed and said to provide me with the remaining balance and not to use the account on file as it was being closed. They continued to do an ACH twice after there were told not to. Finally I spoke to an individual and asked for documentation for the payment plan and interest rate. The response I received was " I do not have any paperwork to give, everything is online since we are an online loan company.. You can see the payments, The interest rate was lowered and you were placed on a payment plan. iF you wish to save the account from collections please call customer service at XXXX, if no payment or arrangement is made then the account will move to collections. '' I am now speaking to their collections department and asked for the same thing, they sent me a screen shot of payments and the interest rate on top. I am continuing to speak to emoneyusa via email and arranging payment with the remaining balance to clear this mater up. I then recieve a text message from this company stating " XXXX, I've received the ok from management to cut your loan payment in half. Nothing is due today. Reply ASAP by text or phone to set this up before this offer expires. XXXX collection 's supervisor eMoneyUSA ''. I replied back and said yes lets set it up. The reply I get back is " XXXX your eMoneyUSA account has been forwarded to my office for a final recommendation to proceed with further action on your account due to a breach of legal binding contract. Ad of today balances at default is {$770.00} I can freeze your interest so that all payments get applied directly to the balance. Here are a couple of options that might help you : Option 1 : settlement of {$650.00} with a credit removal or Option 2 : Balance in payments of {$110.00} biweekly. Which options works best for you? '' I continue to get different answers and different options from eMoneyUSA and are continuing harassing me. I am trying to resolve this debt but feel I am being lied to and not following through on a previous arrangement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX XXXX and Experian.  


I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard from these companies.