23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased an item on XX/XX/XXXX on the phone with customer service after just processing a return on the same item because they sent the wrong thing out. 

I received it on XX/XX/XXXX. I reached out to them and let them know that they sent the wrong item again on XX/XX/XXXX and they acknowledge it on XX/XX/XXXX. I returned it and received an email on XX/XX/XXXX that hey received it. I was emailed on XXXX that my balance would be credited within XXXX hours. 

I noticed on my credit report that my account was late. My bill was due on XX/XX/XXXX but I was told that it would be credited within 48 hours on XXXX because I never received a product. I reached out to customer service and they made sure my account had a XXXX balance. I was told that I would have to submit a dispute to the credit agencies. 

I submitted a dispute and not only was it denied, they said yesterday that I had a balance that was over 30 days past due as of now! Its not true at all. I havent owed anything since they refunded my purchase because I never actually received it. I dont know why they would lie? I am really upset about their deceptive practices especially because I have never been late before. 

They ever raised my interest rate when I wasnt late because I never owed anything. I dont understand how they billed me or didnt credit me after emailing me and telling me 8 days prior to a bill being due that a refund would be processed in 48 hours. Their return process is difficult because its processed via email.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused sXX/XX/XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't 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.
Product: Checking or savings account

On XX/XX/XXXX around XXXX XXXX I attempted to login to my Citi bank app to check my account balance. When I logged into the app my bank account information was not accessible. I then called Citi to find out why I am not able to see my account. I was advised that my account was blocked due to a check that I deposited on XX/XX/XXXX. They advised that they received information from the issuing bank that the check most likely will be returned unpaid. I explained to them that this could not be possible as the company the check is written on is a well-established company and bank. I then ended the call and called the company that issued me the check. They advised that they are not aware of any problems with their bank account. I then called Citi bank and requested that they send me a letter advising that they have blocked my account and for the letter to include the reason and information on the resolution process and time frame. I was advised by a representative by the name of XXXX that the letter is mailed and that they could not send electronically. They advised that it would take seven to ten days via us postal service. I requested to speak with a supervisor but was denied. After several requests, the agent agreed to transfer me. Before they placed me on hold I asked the agent for their name and ID number but they placed me on hold and then hung up the telephone without transfering me to a supervisor. I called back and filed a complaint ( XXXX ). This is how I found out XXXX 's name. I am disturbed as to why would Citi would block the entire account and not just place a hold on the check. I have several items that will be returned due to this action and will cost me fees and penalties with my creditors. Citi is able to send out other letters electronically to my citi login so why is this letter not available. It is unacceptable to block an account and do not give any notice to the account owner. Had I not called I would not have known that the account was blocked.
Product: Mortgage

My mortgage is currently held by Freedom Mortgage. My wife and I are refinancing our home with XXXX XXXX XXXX XXXX ( XXXX ). Included in the payoff statement from XXXX Mortgage is an 'Accrued Interest ' of {$1100.00}, a 'Bill Fee ' of {$30.00}, and a 'Recording Fee ' of {$86.00}. I asked XXXX why these fees are on my payoff statement as I believe I should only have to pay off the principal of my loan. XXXX is already charging me a {$93.00} Recording Fee. My mortgage was originally financed my Directors Mortgage and my mortgage includes a statement I will pay no repayment fees for paying off the mortgage early. XXXX told me I would have to contact Freedom Mortgage myself for an explanation. 

I was able to deduce the 'Accrued Interest ' is the interest Freedom Mortgage is due up until my refinancing with XXXX takes effect. But I contacted Freedom Mortgage to explain the 'Bill Fee ' and 'Recording Fee '. I spoke with a woman named XXXX, employee number XXXX. It was a heated conversation. XXXX told me everyone pays these fees. I asked XXXX if I need the payoff statement to payoff my loan early with Freedom Mortgage, she said yes. I then asked her if there is anyway to get the statement without paying the {$30.00} fee. She refused to answer. I told her if there is no way to pay off the loan without paying these fees then they are pay off fees and thus not allowed. She refused to agree. I asked her what government agency I could file a complaint with. XXXX told me I could file a complaint with the XXXX. When I pointed out the XXXX is a private organization she said she did n't have to tell me what government agency I could file a complaint with. 

I believe Freedom Mortgage is charging me a payoff penalty and trying to mask it by calling it a 'Bill Fee ' and 'Recording Fee '.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX XXXX : XXXX violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Product: Checking or savings account

Complaint Citi bank double transferred money due to a " internal error ''. I opened a ticket with them asking for an letter to provide my bank and a refund on my overdraft and late fees. Citi has told me to go to a branch because they are unable to accomplish either of these things. The branch tells me to call customer service. This issue happened on XX/XX/2023. I was in the woods hunting for the first 10 days of the month. When I got back into phone signal I noticed all of this and contacted CITI right away. I opened a ticket with the back office and called weekly for a resolution - there was none. They continue to tell me to go into a branch. 

How can your complaint be satisfactorily addressed? 
I would at least like my late fees and overdraft fees refunded but I would really like a letter or some kind of acknowledgement that I can send to my bank that this was not my fault. I have NEVER missed a payment until now and it wasn't my fault. I didn't double transfer the money.
Product: Credit card or prepaid card

I received multiple charges on my LL Bean MasterCard for  XXXX XXXX XXXX. I caught the fraudulent charges this summer. 
1. I contacted Citi-Bank in XX/XX/XXXX, that operates this credit card, and made it clear that I did not make nor did I ever authorize any charges for these purchases from this company. 
2. The issue has been strung out over a number of months by LL Bean Citi-Bank MasterCard. 
On XX/XX/XXXX, I talked with XXXX, Team # 3 member, out of XXXX, Idaho. He told me that I was charged {$54.00} in interest for the disputed amount and that it would credited in a future statement. He told me that the person that originally handled things with this matter had submitted it wrong and he apologized on behalf of the credit card company. He requested that I call the Security Department on XX/XX/XXXX. 
That day ( XX/XX/XXXX ) I called and talked to XXXX, located in Tennessee, at about XXXX XXXX. He admitted that " they ( Citi-Bank ) had " dropped the ball. " He told me that the {$990.00} would be definitely removed within a day or two. He told me to take the amount off my current credit card statement when paying it. He also told me that I had overpaid interest that was charged to me and that it was an error. 
On XXXX I was called by XXXX from the Citi Bank Executive Office. XXXX told me that she represented the Presidential Office and the CEO of Citi-Bank, " the highest level. '' as she said. She apologized for how I'd been treated as a customer and told me I'd get {$100.00} in Bean Bucks, which I never did. She told me that I would not be liable for the charges.I replied, " That sounds good. '' 3. ) After being told that I was not liable for the charges. On XX/XX/XXXX I received a letter from LL Bean Mastercard Security Operations dated XX/XX/XXXX. It stated : We have completed our investigation regarding your claim of unauthorized use on the above referenced account. Based on our review, we have determined that you are responsible for the charges in question. It continued : " Our decision was based, in part, on the following : The facts and/or information reviewed as part of the investigation does not substantiate the claim of unauthorized use. It stated that my account was being re-billed and that their investigation was complete. They threatened that if I didn't pay at least the minimum amount on the billing statement that they could report my account past due to credit information services. The even listed XXXX, XXXX  and XXXX along with their addresses. 
The investigation and decision period was less than two weeks after my call from the Citibank Executive Office apologizing for how things were handled and how I was treated as a customer and telling me I was not liable for these charges.
Product: Mortgage

Wells Fargo has miscalculated our escrow projection, increasing our monthly payments by {$300.00}, and refuse to formally review the documents that I have provided. We purchased a new construction home and closed in XX/XX/XXXX. We received and paid 2 supplemental bills in XXXX -- one for XXXX and one for XXXX. Wells Fargo is including both years of supplemental tax charges in their escrow projections, which means they are assuming we will continue to pay on 2 years worth of taxes going forward. The XXXX supplemental bill was {$1700.00} and was a prorated amount for the reassessment for that year when the house was built on the land. We have contacted the property tax assessor at the County of XXXX, and they agree that Wells Fargo is overstating our tax liability as this bill does not belong in the same tax year as our other bills. The reassessed value has already been taken into consideration on our XXXX tax bills. Wells Fargo refuses to look at a copy of the physical bill, which clearly states the XXXX tax year on it, and they stated they only base their projections on what was paid in the previous year. They refuse to recalculate based on home value, tax rates, and tax liability years. 

I have prepared my own projection and calculated exactly the amount we owe for one year 's worth of taxes ; it agrees and ties exactly with what the County of XXXX charged us for just XXXX taxes. I also calculated the amount of escrow we need in the account to adhere to Wells Fargo 's balance policy, and the amount to increase the escrow by every month is significantly lower than Wells Fargo 's " projection. '' Attached are my projection/calculation and both supplemental tax bills ; the second one in the file is the XXXX bill that does belong in future projections.
Product: Credit reporting or other personal consumer reports

Once my laptop was stolen I checked my credit report and found that there were many addresses that I have not ever lived at on my report as well and my name had XXXX spellings that were also inaccurate. I contacted all three bureaus regarding these personal details and it was not corrected even after my calls and letters
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several DEPTOF XXXX accounts that are reporting inaccurate information. They are reporting 90 and 120 days. On-timeXX/XX/XXXX, 90 days late XX/XX/XXXX and 120 days late XX/XX/XXXX. There are 30 or 31 days in a month. I sent to proof and instead of correcting the error or deleting the account. 

Thy continue to update now 120 days late is reporting XX/XX/XXXX when the account was closed/transferredXX/XX/XXXX
Product: Debt collection

My mother and I were renting an apartment in XXXX from XX/XX/XXXX to XX/XX/XXXX, we fulfilled our lease, we went through many difficulties due to the pandemic, I had a XXXX in XX/XX/XXXX and my mother had an accident that left her XXXX in XXXX leg, But despite all the difficulties we had, we always fulfilled our lease, we left the apartment very clean and in very good condition ( I have the photos ), but after we moved out, they did not return the deposit and they wanted to find excuses to charge us things that we don't think is correct, in addition, they are charging us for not giving 60 days moving notice, we gave them 30 days moving notice following their instructions because we had already finished the lease and we were on a month-to-month basis ( we stayed an extra month ), The most unfair of all, and I think there should be some protection for people because this is affecting my life, is that they are reporting to my credit indiscriminately and without control, as follow : Collection Account MUTUAL MANAGEMENT SRVC Originally : THE XXXX XXXX In Collections XXXX Reported XX/XX/XXXX Origination Date XX/XX/XXXX Original Balance {$1300.00} High Balance {$2000.00} TOTAL DUE {$2000.00} They kept my deposit, and they sent me to collection for {$1300.00}, and now the collection company is reporting to my credit bureaus every month increasing without any control and limit like if I have a subscription with them, they started with {$1300.00} and increasing every month they are now reporting a balance today of {$2000.00} and they will continue. 
The situation here is that this is affecting my life, I am trying to find a place to live because I am not safe where I am currently living, and because I owed more than {$2000.00} to a renting company, they are denying all my applications and this is affecting my life because the amounts they are charging are not fair, and they are increasing however they want without a control and a limit, Not fair that renting and collection companies are indiscriminate doing this without a control and affecting lives.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding my repeated attempts to obtain my credit report from Transunion. I have made multiple requests to receive my credit report through the mail, but despite my efforts, I have not received it. 

Here is a summary of my experience : I requested my credit report from TransUnion and on XX/XX/year> they sent me back. A form to fill out, on XXXX XXXX. I sent back more than enough information and still didn't receive my credit report via mail. I then followed up with another letter with a picture of myself holding my drive license, lease agreement, copy of my driver license and social security card. Asking them to remove all old address. Didn't receive a copy of my credit report! FCRA, Section 609 ( a ) ( 1 ) States I have the right to request, my credit report!

FCRA Section 605 ( a ) ( 1 ) This section states that information on a credit report must be accurate and complete. Credit reporting agencies must ensure that the information they report is correct and updated regularly. 

I followed all instructions provided by Transunion to request my report via mail, yet I have not received any response or the requested report. 
Despite contacting Transunion on several occasions to resolve this issue, I have not received any satisfactory communication or my credit report through the mail. 

I am requesting assistance from the Consumer Financial Protection Bureau ( CFPB ) in ensuring that my credit report is delivered to me as requested. Please investigate this matter, as I believe my rights to obtain my credit report under the Fair Credit Reporting Act ( FCRA ) have not been honored. 

Thank you for your attention to this issue. I look forward to your prompt assistance and resolution. 

Sincerely, XXXX XXXX
Product: Debt or credit management

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX NY XXXX ] [ XXXX ] XXXX [ XXXX ] [ XXXX ] [ Experian legal department ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX ] Subject : Formal Dispute & Demand for Permanent Deletion of Inaccurate Accounts Dear [ Credit Bureau Name ] , I am writing to formally dispute the inaccurate and unverifiable accounts appearing on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, I demand the immediate and permanent deletion of the following accounts from my credit file within five ( 5 ) days of receipt of this notice : [ List of disputed accounts, including creditor name, account number ( partial for security ), and any reference numbers ] Recent litigation, including lawsuits against XXXX and Experian, has highlighted systemic failures in proper credit reporting, reinforcing that consumers have the right to a fair and accurate credit file. Based on the FCRA, I am exercising my legal rights as follows : 1. Violation of 15 U.S.C. 1681e ( b ) Failure to Maintain Maximum Possible Accuracy : Your bureau is required to ensure the maximum possible accuracy of my credit report. Since these accounts contain inaccurate or unverifiable information, continued reporting constitutes a willful violation of my rights.

2. Violation of 15 U.S.C. 1681i ( a ) Failure to Conduct a Proper Reinvestigation : Upon my request, you must conduct a reasonable reinvestigation of disputed information. If the information can not be verified within the legally required timeframe, you must delete it. I demand an expedited review within five ( 5 ) days, given the recent legal precedents regarding inaccurate reporting.

3. Violation of 15 U.S.C. 1681s-2 ( b ) Duty of Data Furnishers to Correct or Delete Inaccurate Information : If the data furnishers fail to verify these accounts with documented proof, they must be deleted immediately. I request full disclosure of your communication with data furnishers as required under the FCRA. 

If these accounts are not removed within five ( 5 ) days, I will have no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. Additionally, I am prepared to pursue legal action for willful noncompliance, seeking statutory damages under 15 U.S.C. 1681n. 

Please provide me with an updated credit report reflecting these deletions. I expect written confirmation of these removals and compliance with my request. 

Thank you for your prompt attention to this urgent matter. Failure to act within the specified time frame will result in legal consequences. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX, TEXAS XXXX Date : XX/XX/XXXX Dear ( XXXX ), I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX 2. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, Texas XXXX 3. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX 4. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/XXXX XXXX. MY ONLY EMPLOYER IS : I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy.

I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA.

Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy.

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed.

Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency.

Sincerely,
Product: Credit reporting

Reporting/collecting unverified/unvalidated debt to credit bureaus. They are not licensed to collect in my state ( Arkansas ) to do so,. See Ark. XXXX XXXX. XXXX. The statue of limitations is up in my state. AR Code XXXX XXXX. XXXX XXXX This is a violation of AR collection law and fair debt reporting practices. I have been disputing a collection account on my report from Southwest Credit Systems, L.P. ( original creditor XXXX XXXX XXXX XXXX ) since XXXX 2016. On XXXX 2016 the account was removed from my XXXX credit report because it could not be verified or validated ; and at this time XXXX was the only bureau reporting the collection account. Since, the company has changed the address and even date and re-reported the debt without my knowledge or the 5-day notice required by law to notify that it would be re-inserted. This situation is really hurting my credit reports on all XXXX bureaus and affecting my ability to purchase a reliable vehicle and take care of my family. I check with a lawyer and we have found multiple violations. The collection should not be on my report and is affecting my ability to purchase a reliable vehicle and take care of my family. Please remove this from all XXXX bureaus as it is being unfairly and wrongly reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the summer of XXXX. I have been trying to removed a medical billing account from all three credit reporting agencies. My overall credit rating has taken a toll on my credit scores. I'm being charge high interest rates on every big items that I purchase, even a brand new automobile that I purchased almost a month ago. On XXXX XXXX, XXXX, I begin to paid on the medical bill account. J.P. Recovery Services, XXXX. XXXX XXXX, XXXX XXXX, Ohio XXXX. The Account Number is # XXXX. I was paying them by my personnel checking account with the XXXX XXXX. I wrote my last check to pay them off on XX/XX/XXXX. I have many pages of bank statements as proof of final payments. J.P. Recovery refuse to confirm, my payments, so I went to the XXXX of XXXX, Ohio to help me with that issue and they did. J.P. Recovery refuse to let the Credit bureaus know that my account was no longer outstanding. It was paid in full. I contact all three Credit bureaus of this transaction, but it fell on deaf ears. I need help to fix this issue.