23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have an XXXX XXXX XXXX and sometimes need to ask folks to speak slow and clear so I can understand. On four separate occasions between XXXXXX/XX/year> and XX/XX/scrub>XXXX XXXX in the fraud department at Citibank utterly disregarded this request. It made our interactions incredibly difficult, and she was not pleased to be asked to repeat herself. She gave me a lot of misinformation that was corrected by other customers service folks. 

After successfully clearing up the fraud issue, XXXX made a mistake that resulted in all of my accounts being blocked and inaccessible. My husbands card ( which had no fraud ) was also blocked. When looking it over with other members of the fraud team, I was told that this is highly a highly unusual action. appears this was done out of retaliation or annoyance. I happened to get XXXX again when I called to get this fixed. 

Per Citi policy, no one can talk about your card issues but you Even if you share an account with someone, This is for privacy reasons. XXXX disregarded all of that too, and talked at length about my husbands card with me. Thats a big NO NO! XXXX was fixing her mistake/error. Polices dont matter when its XXXX, I guess? 

All of that was going on while I was traveling, and had little access to funds. All because XXXX cant hear very well, and had to keep asking for some reasonable accommodations. Ive been a Citi client for XXXX  years, even worked for them for several. I am done with them.
Product: Credit reporting or other personal consumer reports

I did not do any business with these companies appearing in my credit report and gave a very bad impact on my credit status.
Product: Credit card

I have not had an active card in my account ending in XXXX in over 2 years. 
I never recieved my renewed card yet I have still been paying annual fees. When I requested a new card be mailed and updated my address over 6 months ago, I still never got it. 
Indigo/Concora Credit said it was returned as undeliverable and verified my address and resubmitted. 
I still never received the card and then was charged a {$99.00} annual fee for a card I had zero access to. 
Which I had to pay to prevent a negative credit reporting. 
I then proceeded to close out my account which they issued a refund to the CARD. 
I called on XX/XX/year> and they stated they can only issue check by mail. 
I expressed my concern since I have received ZERO mail from them in over 2 years and asked to send a voided check to be reimbursed by wire, they said there was no other options besides check.

I ended up speaking with a manager who said if you havent received the check after 45 days you can call back to see what other options are available Which confirms they DO have other options, but they are REFUSING to provide that to me.

This is predatory, charging fees to be paid on a card they have ZERO proof they sent to me multiple times and are now keeping me from MY money that they have ZERO business holding.
Product: Money transfer, virtual currency, or money service

I would like to report transactions through Zelles handling of complaints process. These transactions are of concern, and I am seeking assistance to address them promptly. I believe Zelles complaint process can help resolve this issue and provide clarity regarding the transactions. Please let me know the steps I need to take to move forward with this matter.
Product: Mortgage

We applied for a modification which took over 2 years to accomplish, meanwhile we continued to make payments and NEVER missed, I have written goodwill letters, as well as attempted to dispute with credit bureaus, to no avail, we still have these on our reports causing us to not be able to get the credit we need for other things ... Chase Mortgage refuses to remove these..Obviously, if we had missed 29 payments, we would have been foreclosed on, we are still in our home, and have never been served any foreclosure notice while in the mod process, and yes, still paying on time. Our experience was we would send in documents and be told " they lost them '' we would call and always have a new " mortgage help rep '', these things caused our modification process to last too long. These " missed payments '' are not accurate.They are a huge mistake on Chase 's part. False credit reporting as well. 
The dates they show we never payed were : XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, and XX/XX/XXXX,  Not sure how far back i can go, but, I can load payments off of my bank account if necessary to prove that all payments were made ... This is all a lie!! Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning/evening, On the following dates of XX/XX/XXXX and XX/XX/XXXX Jp morgan Chase Bank and Chase Bank Usa, N.A filed 2 separate hard inquiries on my credit report where I never authorized such inquires. This is greatly impacted my ability to eventually purchase a home. I request to have them removed immediately.
Product: Credit reporting or other personal consumer reports

I wrote a letter to XXXX over 90 days ago and I still have not received an response from them regarding a debt they have added to my credit report. So my problem is I didn't receive notice of right to dispute and when I contacted them they never responded to verify the debt when I asked for it back in XXXX. I was never notified of the status of the results. This negative information has caused a lot of problems over the last few months because I refuse to pay a debt that does not belong to me.
Product: Credit reporting or other personal consumer reports

These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are currently showing inaccurately on my report filed with your credit bureau. Pursuant to 5 U.S.C 552a ( i ) ( 3 ), I am requesting that these disputed items be removed permanently from my credit report immediately. This statue states that any agency which fails to maintain any record with accuracy, relevance, timeliness, and completeness as is necessary to guarantee fairness in any determination shall not use such record. As your agency has failed to send me proof of verification these accounts belong to me violating my rights. If not resolved as requested I will file a lawsuit against your Agency. Please help me get resolution and correct my credit report by removing the disputed items as stipulated by the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX is showing my closed/deactivated phone service as " Collection/charge off '' and I am getting harassing calls from debt collectors.

This information is incorrect. The following is accurate : 1. I reported my phone as lost/stolen to XXXX 2. My phone had insurance purchased at the XXXX XXXX XXXX. I filed the lost/stolen claim at the XXXX store XXXX. The verizon store manager personally confirm that i had purchase insurance 5. Claim was disputed by insurance provider - reason not provided 6. I escalated with Insurance provider - assured me that claim would be " accepted '' 7, I cancelled phone service 8, I enrolled with another service provider XXXX. XXXX and debt collector started harassing phone calls to my cell phone
Product: Debt collection

they text me with a link asking me to pay a debt with no explanation. I dont click the link i have no idea who they are. I called the number provided and spoke with a lady that was clearly in her car driving. I asked her to identify the debt and provide original document or original creditor she hung up. The number i called is XXXX
Product: Credit reporting or other personal consumer reports

this notice to opt out was sent to all companies listed on XX/XX/XXXX. IN VIOLATION OF 15 USC 6802-15USC 6805 ( OPTOUT ), THE PRIVACY ACT OF 1974. AND IT IS ILLEGAL TO REPORT TRANSACTION HISTORY WITH OUT THE WRITTEN CONSENT OR INSTRUCTION OF THE CONSUMER. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello I have banked with usaa Federal bank for over 6 years which is a military bank I move around a lot I have had accounts that have been closed do to Negative Balance and I have paid them off before it Reached my credit I just had a account that I paid off I let the bank know that I had death in my immediate family and that I was impacted by COVID-19 I asked them not to close the account because a large amount of money was coming in I only did that because they say to let your representative know if you are impacted by COVID-19 so my big deposit came in they took care on the account and paid it off and they sent me a check for XXXX I then took that check and A mobile deposit it in another checking account with USAA the next day they said there no longer want me to bank with them and said that XXXX they will close my account and sent me any funds I have rent to pay by Monday XXXX of XXXX they told me there is nothing they can do I will have to wait 60 days my son has a youth account and they will also hold his funds I have called and ask why are they doing this they have said they will reverse the decision because there was a miss understanding and that someone will call me no one has called and I have to just wait for them to send my money they said they have the right to make a decision and lock me out of my account I told them it COVID Im behind on bills but there nothing they can do! They also told me that they dont have to list a reason for there decision but I think they are really unfair as a bank institution to keep receiving Direct deposits and locking a person out of there account no fraud was committed and they could have contact me to give a warning saying whatever instead of locking me out my account I have XXXX kids and no money no cash no nothing! Please help me thanks my email is XXXX my phone number is XXXX however my phone maybe off do to the fact I cant pay it because of USAA
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX, XXXX
Product: Mortgage

citezen one bank. I have been trying to get out of the XXXX XXXX  forbearance since XXXX of XXXX the entire time i have been getting the run around instead of being able to get back to my mortgage payments. every time i call they tell me that my XXXX XXXX XXXX name will be removed from the mortgage, and a notary will contact me shortly to finalize everything, just to wait until the end of the week and give a call back to check. at the end of the week I call back, and they tell me that they are still waiting on something new. I have summited many documents in a timely manner, and still continue to get the run around. sometimes when i call they say that the notary called me and i missed them, but i always have my phone on and near me. i have only ever received XXXX phone call from them, and that was a call telling me they were canceling the notary, but then said he has to look into something and would call me the next day by noon. its over a week later and i haven't heard anything from them, except when i call them and they tell me who ever called me was wrong and everything is fine. i called today and the lady said ohhh no, it looks like there removing you from loss mitigation and into foreclosure ... .. im at my wits end with this company. a year this has been going on. i would love to attach documents but they don't send me anything.
Product: Student loan

Borrowed {$5000.00} for college and have been paying on the loan since XXXX and now in XXXX still owe {$3000.00}.
Product: Mortgage

XXXX XXXX - We started the process of getting a mortgage with Iowa Mortgage Solutions XXXX 

XX/XX/XXXX- We started looking for other companies as we were not making any progress on closing the loan with Iowa Mortgage Solutions. 

XX/XX/XXXX - Asked Iowa Mortgage Solutions not to order the appraisal as we started looking for other mortgages XXXX XX/XX/XXXX- We found a new mortgage company and started the process of getting a loan through them. 

XX/XX/XXXX - XXXX Iowa Mortgage solutions to remove all of our personal information and that we will not be continuing our loan through them. 

XX/XX/XXXX - Iowa Mortgage Solutions inquired on our credit using XXXX XXXX XXXX. I Spoke to XXXX XXXX and they confirmed that it was Iowa Mortgage Solutions that inquired on our credit. 

XX/XX/XXXX - Filled out the form that Iowa Mortgage Solutions needed to send to XXXX XXXX to remove these fraudulent inquiries. 

For 6 months I have been trying to get this inquiry off of my wife and my credit report. I have filled out a form from XXXX XXXX and given it to Iowa Mortgage Solutions to send in to XXXX XXXX to get them removed. I have had phone calls with Iowa Mortgage solutions informing me that they will do it the next day. Weeks/months pass with no information from Iowa Mortgage Solutions XXXX Then when I get a hold of them again no progress has been made. When I called XXXX XXXX they informed me the process is not very difficult. I would like to get the fraudulent inquiries that Iowa Mortgage Solutions made on our credit removed from my wife and my credit report.
Product: Debt collection

I see a new item with JEFFERSON CAPITAL SYSTEMS as XXXX XXXX. The reported debt is listed for {$260.00}, and recorded as in collections starting XX/XX/2022. The XXXX account is not from recent years and in my knowledge, was closed out without a balance and paid. I have not received any proof/verification of the debt from JEFFERSON CAPITAL SYSTEMS, nor details about when the debt was purchased. This is damaging to my credit reports and scores. I have also contacted XXXX in the past for debt verification, and it was never furnished.
Product: Student loan

All our loans were consolidated, or so we thought. When I called for a pay off amount in XXXX XXXX, I was sent via email a pay off amount, which was paid to the Department of Education on XXXX XXXX, XXXX, in an amount of approximately {$390000.00}. We received a paid in full notification. In XXXX, XXXX, I received a " welcome letter '' from Fed Loan Servicing saying that I owed {$8000.00}. With the Ombudsman Group and a Fed Loan Servicing agent, I was told the pay off amount was {$7600.00} which was paid off as part of legal proceedings on XXXX XXXX, XXXX. In XXXX XXXX, I received a called from Fed Loan Servicing saying that I now owed {$2900.00} -- I asked that the Ombudsman Group and Fed Loan Servicing supply me with how this could be because I received another letter on XXXX XXXX, XXXX that once again my consolidated loans were paid in full. There was no documentation that could support this claim and this battle would go on for nearly two years. On Thursday, XXXX XXXX, XXXX, I placed a called to a rep who is working on this for me and she told me that I did owe the monies and that I owed interest in the amount of {$400.00} and would try to get the interest written off. I should state that I had to place all the calls and I have documentations to this effect. Today, XXXX called me ( XXXX XXXX, XXXX ) to now say that I owe {$18000.00} plus 4 years of interest because of some consolidation error and interest rate mischarges on behalf of XXXX and Fed Loan Servicing. I have tried for over XXXX years now to pay off my student loan debt but I am unable to. Yet, I keep owing interest even though Fed Loan Servicing for the last two years is telling me that they are looking into it. I can not afford the {$18000.00} owed ( if I owe it ). I would need a complete recap of what exactly went on with my account. I do n't know where to turn to. The schools were XXXX College, XXXX XXXX XXXX College, XXXX College and XXXX University XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized fraudulent inquiries on my report that I submitted more than once with ftc report and they were not removed from my credit report. A collection account was added from XXXX XXXX and I dont have an account with the merchant ( XXXX XXXX ) that was listed on that account.
Product: Student loan

I attended XXXX XXXX XXXX XXXX CA during XX/XX/XXXX -XX/XX/XXXX. I remember signing for loans and creditors constantly change their name. High interest accrued daily and failed to provide students with repayment options. I was pulled out of class constantly to sign for loans and was told you have to sign right now or else we are going to drop you out of the program.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked all three bureaus to to investigate and check some errors I noticed in my credit report.I just feel ignored at this point since this is my third time asking them to investigate.They have mentioned something about they need authorization but clearly if im asking for the third time I am giving them permission. I also included a bank statement and proof of id to confirm my identity.
Product: Credit card

A Bank of America credit card was opened using my Social Security number and date of birth.
Product: Mortgage

My mortgage company, First Merchants Bank, has been overcharging me for my escrow withholding significantly this year. After I got my first property tax bill this year, I called them on XX/XX/23 and told them they overestimated the taxes and needed to recalculate based on this year 's actual bill. They sent back paperwork XXXX weeks later with my existing escrow schedule and did not re-run anything. I have not heard anything from them since. I can not keep making these inflated payments.
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please delete the following accounts completely from my credit reports. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Debt collection

Midland Funding LLC attempted to sue me for a credit card debt. During the discovery process, attorneys for Midland Funding LLC determined they were unable to prove I own this debt and the case was dismissed in XXXX 2014. Midland Funding LLC has continued to send me letters demanding payment of this debt for the past year and is still reporting it on my credit reports.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint and Dispute Regarding Civil Liability Due to Negligence and Non-Compliance Dear Consumer Financial Protection Bureau XXXX XXXX am submitting this formal complaint against AFFIRM INC for negligence and non-compliance with federal laws, including the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ). This company has failed to fulfill its legal obligations, resulting in unjust liability, financial harm, and consumer rights violations. 

Nature of the Dispute : Company Name : XXXX XXXX Account or Reference Number : XXXX Summary of the Issue : Incorrect Information/missleading Steps Taken : I have formally disputed this issue with the company, but they have failed to properly investigate, correct errors, or provide verification within the legally required timeframe. 

Legal Violations : 1. 15 U.S.C. 1681s-2 ( FCRA - Responsibilities of Furnishers ) The company has reported inaccurate, misleading, or unverifiable information in violation of this law.

2. 15 U.S.C. 1681i ( FCRA - Right to Dispute Inaccurate Information ) I exercised my right to dispute the information, but the company failed to investigate and correct the issue. 
3. 15 U.S.C. 1681n & 1681o ( FCRA - Civil Liability for Willful or Negligent Non-Compliance ) Due to their failure to act, I have suffered financial damages, credit harm, and undue stress, making them liable for legal penalties and compensation.

Requested Resolution : I request the CFPB to investigate this matter and enforce compliance by requiring : Immediate correction and removal of inaccurate information Written confirmation of actions taken Possible compensation for damages caused
Product: Debt collection

I have previous dealt with this back in 2014 for different companies trying to collect a debt for XXXX credit card, which I have never had one. I have a letter from XXXX stating that I have never had an account with them, but these companies will still not leave me alone. 
Attached please find all my previous dispute letters, letter from XXXX stating that I have no account with them and the newest demand and dispute letter.
Product: Credit reporting

To Whom It May Concern : I would like to dispute the validity of XXXX account XXXX. The following is a list of incomplete inaccurate information contained in XXXX account XXXX. 
1. Account opened in XX/XX/XXXX however no payment history from XX/XX/XXXX-XX/XX/XXXX 
2. Account sates no last payment. Account states first delinquency in XX/XX/XXXX. However, payment shows payment received in XX/XX/XXXX. No account history from XX/XX/XXXX current. 
I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? 
Thank you Sincerely,
Product: Credit reporting or other personal consumer reports

The fraudulent, inaccurate, and misleading information on my credit report persists unresolved despite my numerous attempts to address it. The presence of these items has profoundly impacted my life, causing me significant stress and anxiety. It is crucial to emphasize that I did not authorize or consent to having this information associated with my name, as I have been a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to SYNCB/XXXX  for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.