23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam, I am writing to formally lodge a complaint against Citibank regarding the recent closure of my XXXX credit card accounts. My name is XXXX XXXX, and my date of birth is XX/XX/year>. My phone number is XXXX. 

I was deeply disturbed to learn about Citibank 's discriminatory practices against individuals of Armenian descent, particularly in the XXXX area, which have been addressed by your bureau. As an XXXX  with the last name " XXXX, '' I believe my accounts were closed as a direct result of this discrimination, despite my exemplary credit history and strong relationship with the bank. 

Throughout my time as a Citibank customer, I have maintained exceptional credit and have never missed a payment. My accounts have consistently been in good standing, with no recent high balances or excessive inquiries. It is perplexing and unjust that Citibank would choose to close my accounts without any valid reason. 

I urge you to review my account and the circumstances surrounding its closure. If Citibank does not reopen my accounts, I am prepared to join the class action lawsuit being filed by XXXX XXXX. I have documentation proving my exceptional credit history and will provide this to XXXX XXXX to demonstrate that the closure of my accounts is a result of discrimination. 

I am requesting that Citibank reconsider its decision and reopen my accounts. I would prefer to resolve this matter amicably and without resorting to legal action. 

Thank you for your attention to this serious matter. I look forward to your prompt response. 

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

There are XXXX unauthorized transactions totaling {$150.00} unauthorized on my cash app account Ive asked them to refund the money they refuse to. I never made these transactions and also filed a police report. 

My claim number is XXXX. 

I filed a police report as well I attached it
Product: Vehicle loan or lease

Hyundai motor fianc never refunded gap payment they also never register the vehicle I filed bankruptcy and Hyundai motor sent a 1099 -C form to its stating I owe the tax amount Hyundai motor fianc refused to accept the vehicle back or come pick the vehicle of in XXXX they then listed debt as a charge off on my credit report for XXXX years then XXXX the debit fell off they sent the irs a 1099 - c form and has yet sent me documents as to h how many pa were made and where my funds went to sence the amount they sent the irs is incorrect
Product: Mortgage

XXXX was offered a loan modification with a down payment of {$9300.00} from XXXX with a down payment. XXXX sent XXXX the check they cashed it and they never gave her the loan modification. Then she was transferred to another servicer and it has been an on going process of trying to get her loan modified as well as trying to find out what happened to the {$9300.00} and why did XXXX take her money and would not talk to her after they received her money.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Reporting on my credit report is fraudulent addresses, and accounts and names
Product: Mortgage

I have tried to pay off my mortgage with Amerisave Mortgage Corporation numerous times ( 3-4 ) and they keep charging me extra fees and will not close out the loan. Each time I have sent them a " pay-off '' payment they inform me that it did not arrive on time and charge me additional " handling '' fees. This is harassment and intentional. I have spent many hours on the phone with Amerisave trying to resolve this. I finally sent them a Certified Letter formally requesting that they close the account. None of my efforts have been able to close this account out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several letters to TransUnion to request debt validation documents and the company has not provided me with any documentation that supports any derogatory marks are valid. They only update remarks with limited information on how they validated the account. The first letter was sent out on XX/XX/XXXX and I received no response. The second letter was sent XX/XX/XXXX and still received no verification documents. I called TransUnion the third week of XXXX which they claim they never received not one of my letters until I talked to a manager and he claimed my letters were received and being handled. Still haven't heard anything from TransUnion. XXXX XXXX accounts should be removed immediately as these accounts were reported fraudulent on XX/XX/XXXX and removed..
Product: Credit card or prepaid card

This is a follow up to an earlier complaint that I posted today. I just called Synchrony Bank and they told me that my minimum payment per month has been raised from {$30.00} to {$80.00}, because of the accrued interest fees. Given that I have been filing complaints against their company for the past few months, they shouldn't be charging late fees or interest charges at all until the issues with my disputed transactions have been resolved. Their policy states that they don't charge interest or fees for amounts that are in dispute, so by charging me interest on my total bill, they are violating their own rules. They have also been charging me late fees for missing the payments of XXXX and XXXX. These fees may be the reason why my bill is so high. During my phone call, the call was disconnected in the middle of my conversation with the representative. I am positive at this point that Synchrony Bank 's phone moderators are disconnecting my calls with their representatives on purpose. This happens way too often, and the phone I am using is brand new. On so many occasions when I call them, the calls get disconnected. I have no doubt that their phone moderators are doing this on purpose.
Product: Credit card or prepaid card

On XXXX/XXXX/2017 I requested a balance transfer offer online for two credit accounts at the same time for the same offer. The transfer fee was 2 %. Both transfers were fulfilled on the same day but only one of them was charged at 2 % ( {$2000.00} amount transferred - {$40.00} fee ), the other transfer was 3 % ( {$3000.00} amount transferred - {$90.00} fee ). I was over charged {$30.00}. I sent a secure email when I received my statement and never got a response back from the bank. I just got off a call with Chase call center and at first was told I could not be helped because " you must have selected a different offer '' and " I really ca n't see what you did because you did it online ''. After I pressed the agent and explained I actually entered both transactions under same offer - in fact I do n't even remember two offers. The agent told me there must have been multiple offers because on expires a month earlier than the other offer. 
On the balance transfer screen, you select the offer go another screen enter the account number # you want to transfer and the amount - when you 're done, is you have another transaction, you continue and enter another account # and amount. That 's what I did. I was expecting 2 % fee on both of these transactions not 2 % on one and 3 % on the higher transaction. The agent said she could provide a credit but needed to talk to the " fee '' team put me on old and came back about two minutes later and she could not help - and said the fee team said " what 's done is done ''. I tried to tell her the problem more than likely was a processing problem with the online system to no avial. I am more than willing to pay advertised fees but an unadvertised unwanted fee of 3 % is not right - the problem was on their end of the ransaction - not mine - and to imply that Chase never has systems problems or issues with fees is just not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

False/inaccurate information due to identity theft is being reported on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate. In accordance with the Fair Credit Reporting act this information 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. This is in clear violation of my rights. In pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company also has NO permission to report ANYTHING using my information pursuant to 15USC1681 4 Credit report found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. This is still on going after years of fighting. I believe my only option left is to take legal action if these items are not removed. XXXX  is knowingly reporting false/inaccurate information due to identity theft on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate and XXXX  is breaking the law. In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions. This is in clear violation of my rights. This has caused XXXX  XXXX, hardship as well as XXXX  XXXX to me, as well as my family. It is my consumer right to have unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct removed. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting

Dispute Over Inquiries on XXXX Credit Report- Unauthorized AccessI contend that all of the inquiries made by MOBILOANS LLC , XXXX XXXX XXXX, XXXX , XXXX XXXX on my XXXX Credit Report are unauthorized and must be removed. Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, XXXX, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent XXXX credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.
Product: Credit reporting or other personal consumer reports

This Vehicle was involved in a car accident not at my own fault XXXX XXXX. As a result the car was towed and later totaled by insurance. In the months of XXXX, XXXX AND XX/XX/year> Payments were still made on this loan in full by bank auto draft even without the car being in my possession due to the major accident.XXXX  XXXX also notified me when contacted by me that my car had been repossessed the day after payment due date even after a payment was made. As proof on my payment history I have always paid XXXX  XXXX and one time every time. Even without the car in my possission due to auto accident.As a result I was reported to credit bureau for negative response.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 MONTHS AGO I WANTED TO PURCHASE A HOME FOR MY FAMILY, UPON GETTING PRE QUALIFIED MY REALTOR INFORMED ME OF A BANKRUPTCY REPORTING ON MY CREDIT REPORT FROM US.BANKRUPTCY COURT XXXX  DISTRICT OF MICHIGAN THAT IS PREVENTING ME FROM OBTAINING A MORTGAGE, I IMMEDIATELY CONTACTED TRANS UNION VIA CERTIFIED MAIL AND CHALLENGED THAT BANKRUPTCY BECAUSE I HAVE NEVER FILED BANKRUPTCY AND NO BANKRUPTCY IS REPORTING ON MY OTHER CREDIT REPORTS NOR ARE THEIR ANY ACCOUNTS DISCHARGED, OR INCLUDED IN BANKRUPTCY SHOWING ON ANY OF MY CREDIT REPORTS, I ALSO INFORMED TRANS UNION LLC THAT I AM A VICTIM OF IDENTITY THEFT AND THAT ITEM COULD BE REPRTING DUE TO A MIX UP OF INFORMATION. I PROVIDED TRANS UNION LLC A COPY OF MY POLICE REPORT, AND A FEDERAL FTC IDENTITY THEFT REPORT TO SUPPORT THESE CLAIMS, I THEN REACHED OUT TO THE ORIGINAL FURNISHER OF THIS INFORMATION AND THEY SENT A CORRESPONDENCE BACK TO ME STATING THAT NO FILE WAS FOUND WITH THE INFORMATION I SUPPLIED TO THEM, AND THEY DO NOT REPORT ANY INFORMATION TO THE CREDIT AGENICIES, AND THAT THIS PROBLEM HAS BECOME SO BIG THEY HAVE PUT A STATEMENT ON THEIR WEBSITE STATING THAT THEY DO NOT REPORT ANY INFORMATION TO ANY CREDIT AGENCIES, I SENT ALL THIS INFORMATION TO TRANS UNION LLC, THEY STILL SENT ME BACK A RESPONSE STATING THAT US BANKRUPTCY COURT EASTERN DISTRICT OF MICHIGAN VERIFIED THE BANKRUPTCY ON MY CREDIT REPORT. I THEN ASKED TRANS UNION LLC TO PROVIDE ME WITH THEIR METHOD OF VERIFICATION, EXERCISING MY RIGHTS UNDER THE FCRA 611 ( A ) ( 7 ) TO REQUEST A COMPLETE DESCRIPTION OF ALL METHODS USED TO INVESTIGATE MY DISPUTE, SINCE THE ORIGINAL FURNISHER OF THIS INFORMATION ( US BANKRUPTCY COURT XXXX  DISTRICT OF MICHIGAN ) HAS MADE A PUBLIC ANNOUNCEMENT ON THEIR WEBSITE STATING THAT THEY DO NOT REPORT ANY INFORMATION TO CREDIT REPORTING AGENCIES. TRANS UNION LLC HAS NOT YET ( 3MONTHS LATER ) PROVIDED ME WITH ANY INFORMATION REGARDING HOW THEY VERIFIED THIS INFORMATION AND HAS COST ME AND MY FAMILY TO MISS OUT ON NUMEROUS OPPURTUNITYS AS WE CAN NOT GET A LOAN BECAUSE OF THE INCORRECT ITEM ON MY CREDIT REPORT, I JUST WANT TO KNOW THEIR SOURCE SO I MAY CONTACT THAT SOURCE TO CLEAR MY NAME AND GET EVERYTHING STRAIGHTENED OUT SO ME AND MY FAMILY CAN MOVE, TRANS UNION LLC HAS DENIED ME MY RIGHTS UNDER FCRA 611 ( A ) ( 7 ) I HAVE ALSO REACHED OUT TO TRANS UNION LLC ABOUT 2 FRAUDULENT INQUIRES REPORTING ON MY CREDIT REPORT XXXX XXXX  XXXX, XXXX XXXX, BUT YET AGAIN I WAS DENIED MY RIGHTS AND TREATED AS IF I HAVE DONE SOMETHING WRONG, I HAVE ATTACHED MY STATE ID AND SOCIAL SECURITY CARD TO THIS COMPLAINT ALONG WITH THE STATEMENT FROM THE US BANKRUPTCY COURT XXXX DISTRICT OF MICHIGAN STATING THAT THEY DO NOT REPORT ANY INFORMATION TO CREDIT REPORTING AGENCIES, ALONG WITH MY POLICE REPORT AND FTC FEDERAL IDENTITY THEFT REPORT. THIS IS EFFECTING MY EVERYDAY LIFE AND CAUSING ME AND MY FAMILY STRESS, AND PAIN.AND SUFFERING.
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX   | XX/XX/XXXX XXXX  | These accounts/inquires have 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 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 or 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: Vehicle loan or lease

I paid off my auto loan back in XX/XX/2023 and have been promising to remove balance of my credit and show loan as paid off
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Debt collection

Since at least as of XX/XX/2021, I have been receiving calls at my cell ( XXXX ) from Comentiy Capital Bank for a XXXX XXXX debt owed to them from XXXX XXXX. ( Background : This woman is my father 's ex-wife and they divorced when I was a minor in XXXX and I haven't spoken to her in over 20 yrs ). My voicemail identifies me by my first and last name so the caller will know who they are trying to reach when they get my voicemail. 
I first received calls from a XXXX and a XXXX area code, as early as XXXX XXXX  ( PT ). I have voicemails from them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. By XX/XX/XXXX the calls began to come from a XXXX area code ( primarily XXXX and XXXX ). The calls are increasing and the most recent message, left on XX/XX/XXXX at XXXX ( PT ) by a Mrs. XXXX (? ) from XXXX, used my name in the greeting saying they are trying to reach " XXXX XXXX XXXX ''. This number had previously called me on XX/XX/XXXX at XXXX ( PT ) and also called again on XX/XX/XXXX at XXXX ( PT ). On XX/XX/XXXX at XXXX ( PT ) Mrs. XXXX called again from the XXXX number and I answered and informed her this was not the number of XXXX XXXX , I had been repeatedly called by this number, and to take my number off their list. 
My understanding is that a creditor may only contact a 3rd party for a debtor 's debt once. I have at least 8 documented attempts of them contacting me for Ms. XXXX 's debt. They have also contacted me before XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Didn't own that account
Product: Bank account or service

I have been reviewing my bank statements and have realized that when I use an ATM card I am being charged as much as {$7.00} - {$10.00} per transaction. I authorize the fee from the ATM so I should see an {$2.00} - {$3.00} fee on top of the money I am withdrawing, but I am also seeing that my bank is charging me a {$2.00} fee for a balance inquiry that I never agreed to and then they charge another {$2.00} for using a non- BOA machine, this is also not disclosed. So depending on the amount taken out at the ATM, these fees could be as much as 20 % of the money withdrawn on a {$40.00} ATM transaction ( XXXX {$40.00} ) this is worse than the short term money loans. All of the fees should be disclosed when doing an ATM transaction. My Bank is Bank of America.
Product: Credit card or prepaid card

My property management XXXX XXXX advertises a XXXX XXXX to pay rent and incentivizes with rewards from the card for different perks. I began paying my rent with the card but also use it for some other general purchases from time to time. For the past two months I attempt to pay a maximum on the credit card which Ive learned is not directly linked to Wells Fargo. The lag in applying my payments through my non Wells Fargo linked bank account is causing my rent payment to go past due. Secondly, the card has a feature that if activated, will pull funds directly from my bank account. I made a XXXX payment to the card on XX/XX/23 from my bank account and there is no activity to reflect the available balance on the card to apply the rent payment without directly pulling the funds from a linked bank account. If you attempt to contact XXXX they direct you to Wells Fargo and vice versa. Im paying an enormous apr on the card now on top of being hit with late fees from the lag in processing the payments. Ive never had late payments to my rent until using this card. The practices are deceptive and could potentially negatively affect my credit. I have a couple of other credit cards that apply payments within 48 hours, adjust balances appropriately and what is occurring with my money is transparent.
Product: Credit reporting or other personal consumer reports

I previously filed a dispute with this creditor because the {$140.00} balance owed was paid in full, but did not reflect on my consumer report. After the creditor investigated my dispute, they updated my consumer report with the following comment : Account charged off at credit grantors request. Account previously in dispute - investigation complete, reported by data furnisher. Under the FCRA ( 15 U.S.C. 1681 ), this potentially violates my consumer rights, as there is no written statement showing that the balance was paid in full on my consumer report.
Product: Credit reporting or other personal consumer reports

Hello, I recently review my credit report and I noticed a reinserted account on my report. 


NAME : XXXX XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau Subject : Complaint Against [ EXPERIAN ] for Violation of FCRA Section 611 ( a ) ( 5 ) ( B ) Dear CFPB, I am writing to file a formal complaint against [ EXPEIRAN ] for violating the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ). 

I previously disputed an account XXXX  XXXX account number XXXX, on my credit report, which was found to be inaccurate, identity theft and subsequently removed. However, this account has been reinserted into my credit report without any notification from [ EXPERIAN ] within the required five business days.

This action is in direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ), which mandates that consumers must be notified if previously removed information is to be reinserted into their credit report. The lack of notification has caused unnecessary stress and potential harm to my credit standing. 
I have already contacted [ EXPERIAN ] regarding this issue but have not received a satisfactory resolution. Therefore, I am seeking your assistance to ensure that [ EXPERIAN ] complies with FCRA regulations and corrects this issue immediately. 
Attached are copies of all relevant correspondence, including my initial dispute letter, confirmation of the account 's removal, and my recent dispute regarding the unauthorized reinsertion. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 
Sincerely, XXXX XXXX XXXX