23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

CitiBank NA or CBNA made a credit inquiry on my credit bureau reports on two different occasions : the first credit inquiry was made on XXXX XXXX, 2016 to XXXX and XXXX XXXX, 2016 to XXXX ; the second credit inquiry was made on XXXX XXXX, 2016 to XXXX and XXXX XXXX, 2016 to XXXX. I called XXXX on XXXX XXXX and requested a fraud alert be placed on my credit bureau report. They also removed CitiBank NA 's credit inquiry from their credit bureau report. It does not make sense that CitiBank NA made a second inquiry on my credit bureau reports as I have not applied for an account with CitiBank NA. Fortunately, a fraud alert has been placed on my credit bureau reports. I need help as I want CitiBank NA to stop making credit inquiries. The address for CitiBank NA is XXXX XXXX, XXXX XXXX, SD XXXX and for CBNA the address is XXXX XXXX, XXXX XXXX, SD XXXX.
Product: Debt collection

I saw a collection debt on my credit report. I disputed it with XXXX. They " verified '' the debt. I sent a letter to the collection agency disputing the debt with the amount owed, my name, the original creditor, and a partial account number. The collection agency responded that they were " unable to identify an account in [ their ] database. '' They requested I send them additional personally identifiable information to assist me. 

I then sent their letter and the one I sent them to XXXX to dispute the debt and have it removed since the creditor can not verify the debt to me without additional information, but can somehow verify it to XXXX. I am under no obligation to provide my personally identifiable information of a collection agency that may or may not be trying to collect a valid debt in order to verify the debt.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX XXXX when trying to withdrawal funds from my Venmo account, I received an email stating my account has been frozen due to recent activity that appears to be a violation of our User Agreement. ( Direct quote from email ) Upon further review I did not violate any terms of the User Agreement. The email asked that I verify my identity with a photo of my license or government issued ID, which I did the same day. I reached out directly to Venmo customer service by chat and phone. They could not give me any answers, they would not tell me why my account was frozen, what User Agreement I violated, when my funds would be available, nothing. I reached out to XXXX XXXX and XXXX XXXX with only one automated response. I have detailed notes of everyone I spoke to and what information they gave me or couldnt give me. I got misleading answers from two different customer support supervisors. I have a balance of {$850.00} I was withdrawing that money because I need to use it, and now it is frozen with no response or answer on when it will be available to me.
Product: Credit card or prepaid card

I obtained the Premier Gold Amex Card which was offering Earn XXXX Points after using the new Card to make {$2000.00} in purchases within the first 3 months. 
When the account was opened I called to assure that my account was eligible for the bonus offer, I also called during the time I had the card and after I reached my {$2000.00} worth of purchases. 
After I spent the expected amount on my premier Gold Amex  the points were never issued and after speaking with XXXX a supervisor in Texas she decided not to do anything about the situation. 
XXXX cold transferred me to XXXX ID # XXXX in XXXX, Florida who also could not do anything to assist me. 
The company does want to do anything to justify the situation. 
A case # was opened with them but they are informing me that it's just for their records but they can not help.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law, as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX U.S.C. XXXX ] ( ( a ) Information on file ; sources ; report recipients. Every XXXX and Equifax shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) XXXX in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$2300.00}
Product: Checking or savings account

I am making a formal complaint about an unauthorized transaction to my checking account, I have no idea who this person or company is, it was for {$600.00}, I filed a claim on XX/XX/2024 with back of America ( claim # XXXX ) I tried to dispute this with my them and they are denying me the refund, and are making allegations that I authorized that transaction when I never did, I would appreciate your help, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX Balance : {$27000.00}
Product: Vehicle loan or lease

This is the fourth complaint filed against BMO. I have attempted to follow all of XXXX XXXX instructions to attempt to make a payment on my lease. I mailed a check to the address provided with the account number on the check. It was returned by BMO with a letter statingUnable to Locate Account. I returned back to the bank that confirmed I can not make a payment in a branch and that it needs to be mailed. The branch attempted to find the account number like XXXX XXXX instructed in his last response. The branch was unable to do so. 
XXXX XXXX the branch manger could also not locate an account for me, reached out to XXXX XXXX who then instructed her to get me to return with cash or a cashier check and enter in as a GL. They would then email XXXX XXXX who would update the account. 
This seems very unethical as to this day XX/XX/2023 nobody is able to give me any transaction history of any payment made or give me a copy of my lease agreement. 
I am now two months behind in payment that I have attempted in every way to pay. 
I have asked XXXX XXXX for this information to be provided to me in writing. They will not do so and nobody seems to be making any effort to resolve this issue other than me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 9 accounts on my credit report that DO NOT BELONG TO ME!!!! I have never seen these accounts applied or used them I need them off my credit report ASAP!!! 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit report act XXXX XXXX has violated my rights regarding a hard credit inquiry posted on my Credit Report 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 or other personal consumer reports

XXXX XXXX illegally keeps putting derogatory information on my account after I had it commit corrected by the law and Im gon na give you the lie right here accordance with the fair credit act Emblem master card has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE This company corrected my credit report and they made it back derogatory again I will get a lawyer and sue you
Product: Credit card or prepaid card

Citi Financial credit card company is refusing to credit my account for payments made for the month of XXXX. I submitted XXXX payment on XXXX XXXX, XXXX. I always call to verify payments went through. When I called, they said it did n't go through, they said I " had never used that account before. '' They would not tell me what account they were talking about or verify what account number they were using. I used an account I have used for years, which has more than adequate money to cover the payment. I resubmitted the payment, by phone, to the customer service representative on XXXX XXXX, XXXX. When I called on XXXX XXXX, XXXX, to verify they had made the payment, again it was not credited. I submitted the XXXX payment again, even though they still would not verify they had transcribed the account number correctly. On XXXX XXXX, when I called again to verify, it was still not credited. I submitted another XXXX  payment. You see, this is a XXXX interest account which will start charging interest if a payment is made late. Again, Citi refused to tell me the account number they were using or if they had miss written the number. Finally, I transferred entire balance to a different card and attempted to close Citi. They keep adding fees & will not close it. I never received a bill, either.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is some arr, XXXX  on all three credit bureaus TransUnion and XXXX  and XXXX XXXX XXXX XXXX, XXXX all three collage, XXXX over charged me for class, XXXX I did, XXXX  take and XXXX  of the collage was XXXX XXXX XXXX in XX/XX/XXXX up to XX/XX/XXXX and at XXXX  university in XXXX and at XXXX XXXX university  online in XX/XX/XXXX up up to XX/XX/XXXX they had put me on ackademick probation because of the latter or what not and i had to withdraw because i had to of my uncal, XXXX that died in back to in XX/XX/XXXX and the review board said I had to right them a latter about what had happed to my two XXXX, XXXX and I did but they would not take what i tryed to expland them i the latter but the review board turned down my latter and put me out of school and that is why I'm fileing a complaint agent, XXXX XXXX  XXXX university onlne.
Product: Checking or savings account

Approx XX/XX/24 I called BofA since my CD matures XX/XX/24 and I wanted to be sure they moved the funds into my checking account since their program automatically rolls funds into new CDs. 

XX/XX/24 ( today XXXX PST ) I ask BofA to move the matured CD to my checking account. They said they can not since I called in XXXX, they set it up to send me a check, which will take 7-10 business days, which they said nothing about on my previous call. I told them to put a stop payment on the check and move funds into my checking account. They said the stop payment will take over 7 business days so I am better off waiting for the check. I know they can do a stop payment immediately so they are holding my money interest free for over a week when I desperately need these funds, as I let them know. Just spoke to a manager who called my back, but was not able to resolve the situation in any way. 

It is not that hard for Bank of American to move funds into my checking account, which leads me to conclude they are for sure playing games to keep my money interest-free a little longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a Home equity loan from XXXX XXXX since XXXX ( interest only payments until XXXX ). In XXXX it converted to interest and principal payments ( the monthly payment nearly doubled ). As I was now retired on a fixed income at that time, the new higher payments were a struggle to make. I applied to XXXX for a loan modification. This process was to say the least, agonizingly slow and laborious. However, after many months the modification was approved and my new monthly payment was reduced by half making it very affordable and putting my mind at ease. <P/>But here 's the problem. From XXXX of XXXX to XXXX. of XXXX the payments were getting ahead of me. I started to fall behind while waiting for the modification from XXXX to come through. When I could I would go to the local branch of XXXX and make payments of {$1000.00} dollars. In one of many phone conversations with the modification officer working my case, I mentioned making these payments. He said I did n't have to do that. He stated that any unpaid balance would be assimilated in to the modified loan. So I stopped making those payments. <P/>The modification was approved and I entered the 3 month trial payment period. Having made those trial payments on time, the final new modified loan was approved. And in deed, the previous balance was assimilated in to the new loan and the account show current. <P/>Now, here 's the rub. It seems that during the 3 month XXXX XXXX, XXXX and XXXX of XXXX XXXX trial period those payments did not go directly towards the loan balance. I 'm assuming they went in to some kind of holding account until the trial period was over. And, indeed that is what happened. But meanwhile the bank reported that not only were there late payments from XXXX XXXX to XXXX XXXX but they also reported as late, the trial period payments XXXX XXXX, XXXX and XXXX XXXX XXXX even though they were made on time. <P/>My credit rating has since gone downhill now. I have written to XXXX and even contacted the local XXXX branch manger to try and correct this problem. According to the Credit bureaus I 've contacted, this type of dispute has to be corrected by the bank. The bank has replied basically saying " Tough luck '' I 'm a XXXX year old retired Veteran. I may not have 7 years to wait for the credit report to " self '' clean the information. <P/>I 'm at a loss as to how and try to fix this problem. I WAS TOLD by the bank that I did n't have to make those payments and then they XXXX me ( and I 'm guessing a lot of others too ) by giving me a bad credit rating with no effort to fix it. <P/>I 'm at a loss!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion doesn't use consumer information or documentation in their dispute process. Transunion has a dated system to process disputes that takes weeks longer because they do not fax or accept emails. Transunion 's policies favor creditors at the expense of consumer 's credit reports. The same documentation was accepted by XXXX  and XXXX  but not accepted by Transunion. Transunion claims that the creditor confirms that the reported information is accurate but I have a new letter that states otherwise.
Product: Debt collection

Will you please verify that the information reported is 100 % accurate and that you can fully verify it. Otherwise, will you please remove from my credit? 

I also recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$860.00} This is a violation of the FCRA and is in violation of requisite XXXX Compliant reporting standards. 
According to the Fair credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 
Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion.
Product: Student loan

I was attending XXXX University in XX/XX/2011. I had completed 2 semesters when myself and the rest of my classmates received a call to inform us not to come to class the rest of the week and we would be informed later as to what was going on. Well the school lost accreditation to their XXXX program. We were all involved in a lawsuit that was settled through the college insurance. It was only a very small portion of our loan amounts due to the large number of students involved. Anyways we were still left with a very large debt and no degrees to increase our salaries to pay these debts. I am struggling to repay these loans and it has really damaged my credit report. Gendering me from buying a car and the necessary items one needs. XXXX scammed us. They are letting me defer my payments right now due to my income but they are still adding interest to my loans at a high rate. Every time I get a job that pays decent they expect {$400.00} to be payed to them monthly. Sometimes more. I feel like I 'm never going to get this taken care of. What they are doing is wrong. Please help. The college needed up losing all of their accreditation and had to shut down. XXXX University XXXX XXXX campus.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. Details of the accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XXXXContents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES 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 XXXXXX/XX/XXXX
Product: Debt collection

I spoke with a representative on XX/XX/XXXX and again on XX/XX/XXXX when I reiterated that I would be making a payment soonest on XXXX. I was asked about making the next payment which was to come due on XX/XX/XXXX and I told the representative that I would be making that payment in exactly 2 weeks from the XX/XX/XXXX in line with my next pay date. The representative informed me that I would need to come in to the office to make that arrengment and I informed her that I understood, but could not give her an exact date/time that I would be able to physically come in to the office. On today, XX/XX/XXXX, I missed a call from the company as I was working and then received a call from a family member later informing me that a representative from the company contacted him and threatened legal action and informing him that my account was 60 days past due l, which is NOT true. I am upset that details of my account were discussed without my authorization with another party especially since I had just spoken to them less than 24 hrs ago. I feel that this was done with spiteful intentions to agitate me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, I never had a collections account with enhanced recovery collections. Please delete from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX