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

Approximately XXXX to XXXX weeks ago, I opened a CitiBank account. Shortly after, a friend of mine needed {$10.00} in cash, so I provided the cash in exchange for a {$10.00} XXXX transfer to my account. A day or XXXX later, I attempted to transfer that same {$10.00} to my roommate for a small purchase, but the transaction failed. 

Following this, I made a purchase of approximately {$9.00}, which nearly drained the account. It is possible that I also paid a small amount in parking fees, though I do not immediately recall any specific charges. 

Last Thursday, XX/XX/XXXX, I deposited a paycheck with a net total of {$690.00} into my CitiBank account. The check cleared by Friday morning. However, by Friday afternoon, I began receiving notifications stating, Our system is experiencing temporary delays whenever I attempted to access my account. 

Now, a full week later, I still can not access my online account, my debit card, or my paycheck. After contacting CitiBank, I was informed that my account had been marked for closure, yet no one could provide a reason. Additionally, I was never notified of the closure beforehandthere was no email, no physical mail, no app notification, or any other form of communication. The only reason I became aware of the account closure was because I reached out to them directly. 

CitiBank representatives have told me that I can not access my funds and that I need to contact my payroll provider to request a new paycheck. However, after speaking with XXXX, my employers payroll service, they confirmed that the funds were successfully transferred to my CitiBank account. Since the transaction was completed, XXXX is unable to revoke or reissue the check, leaving me with no way to recover my money. 

This paycheck represents all the money I have, and as a result, I have been unable to buy groceries for over a week. Each time I contact CitiBank, I am met with vague responses and no clear path forward. Customer support repeatedly states that they are not allowed to provide any further information. 

While I understand that CitiBank may have internal policies regarding account closures, I believe I am entitled to be informed about the status of my own account. Specifically, I should have been notified that my account was being closed, provided with a clear explanation as to why the closure occurred, and given information on what will happen to my deposited funds. Instead, I have been left without access to my money and with no guidance on how to retrieve it.
Product: Mortgage

On XX/XX/XXXX I submitted to the CFPB a complaint to regards a missing check disbursed by Dovenmuehle. the compliant number was XXXX The company responded on XX/XX/XXXX and the response is attached to this complaint. However an important attachment cited in the response is not included and thus I deem the response incomplete. I need to see the copy of the check XXXX front and back ). Dovenmuehle should also disclose where this check was deposited as I have never received nor cashed a check from Dovenmuehle and believe the burden of proof is on their side. 

Additionally our new servicer XXXX XXXX loans have informed us no such analysis was included in the documents they received. 

I wish to have a copy of the escrow analysis they said they completed and a reason for why they believed there was an overage in the account given at this point no property taxes had been paid out and thus any disbursement would leave the account short. this shortfall has created ramifications in the mortgage payments and was never authorized by me.
Product: Debt collection

On XX/XX/year> I received a letter from TSG Collections, LLC., XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX NJ XXXX, XXXX, XXXX threatening to report a medical debt to a credit reporting agency. This letter was dated XX/XX/XXXX, a day after your rule against such reporting become final. The letter stated " This office has not received payment on the above. YOUR CREDIT IS IMPORTANT! If we do not receive payment, we may recommend that this debt be reported on your credit. This could have a negtive effect on your credit for as as SEVEN ( 7 ) YEARS! Without a good credit score you might not be able to get a credit card, rent an apartment or buy a car or a house. '' The letter was signed by XXXX XXXX for TSG Collections , LLC. 
When I called the TSG the representative said they knew they could not legally report the alleged debt to a credit reporting agency and they did not have the intention to do so. This is clear harassment as I do not owe the medical debt they claim and they are just trying to harass people for payment they are not entitled to.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute information on my credit report that I believe is a result of identity theft. I have attached a copy of the police report filed for this incident, which details the unauthorized access and use of my personal information. 

According to my credit report, there are several accounts that I have not authorized or opened, and I request that you investigate and correct the inaccuracies in my report as per the Fair Credit Reporting Act ( FCRA ). 

The following unauthorized accounts have been listed on my credit report : XXXX Account : Account Number XXXXXXXX XXXX XXXX XXXX Account : Account Number XXXXXXXX XXXX XXXX  Account : Account Number XXXX I dispute the accuracy and legitimacy of these accounts, as I have never authorized or had any dealings with the aforementioned companies. Therefore, I am not responsible for any debts associated with these accounts.

Under the FCRA, I kindly request that you : Conduct a thorough investigation into these accounts.

Provide me with the results of your investigation.

Remove the disputed accounts from my credit report if they are found to be inaccurate or unauthorized.

Correct any inaccurate information on my credit report.

I also want to bring to your attention the Fair Debt Collection Practices Act ( FDCPA ). If any debt collector is associated with these unauthorized accounts, they should cease any collection activities until the dispute is resolved.

Please provide a written response within 30 days as per FCRA guidelines. If the investigation is not completed within this timeframe, please notify me of the delay.

I appreciate your prompt attention to this matter and the correction of my credit report. If necessary, I am prepared to take further legal action to protect my rights.

Please remove or delete I can't purchase a home for me and my XXXX. I'm a XXXX mother that need assistance.
Product: Mortgage

I recently submitted a loan modification application to Caliber Home Loans that was denied the week of XX/XX/XXXX. As a result, I submitted an appeal. 

The basis for my complaint is that every Caliber Home Loan representative that I had spoken with BEFORE and during this process neglected to tell me that I would not qualify for a modification because I had one in XXXX, finalized in XXXX. In fact, one representative told me WHEN to apply and that I needed to wait ONE year which meant that I could apply as of XX/XX/XXXX. No one told me that I would NOT qualify based on those facts which would have been extremely helpful. More importantly, it was my right to know and be properly informed. 

This is not the first time that I have been given the wrong information from a Caliber representative. I have experienced this before and as a result, a manager by the name XXXX, had to personally review my file because I had been misinformed and my file had been improperly handled. At that time, I was initially denied a modification and after XXXX handled the case, I received a modification, and completed the trial payments seamlessly. All of this is a manner of record ( recorded and verifiable ). This time, once I received the denial letter, I contacted the company, requested to speak with a manager because I was tired of the runaround and misinformation. Nevertheless, they did not allow me to do so.

I do not believe Caliber exhausted all the hardship options available and for this reason, I think it is unfair and unprofessional that I'm continuously given incorrect information especially regarding such a serious matter. As a homeowner experiencing a hardship, I deserve to have all my options explored which I don't believe they have been. Additionally, I deserve to receive accurate information so I can be fully aware of the process and where I stand.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account XXXX XXXX XXXX XXXX  has been deleted but its still reporting on my credit report. this should not be reporting. this is a violation
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 2 personal credit card accounts opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) and ( XXXX ), an energy/electric account opened at XXXX XXXX attached to XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ), a fraudulent Rental of Apartment at XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ) that is attached to a collections account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$990.00} that appears related to the aforementioned Rental Apartment rented at XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit Score Was At About XXXX  Back In Early XX/XX/XXXX. i Had Late Payments Thus Derogatory Remarks. Made Payments Later That Year. Credit Score Went Up To Around XXXX. i Kept " Late Payments '' At XXXX  . Made A Payment In XX/XX/XXXX. Yet Credit Score Remained Stagnant.

Based On TransUnions Customer Representative, Factors Matter. The Only Factor Based On The Factors Used To Determine The Credit Score Is 'Late Payments '. None Of The Other Factors Have Major Effect On My Account, Since They Are Up To Par.

If Back In XX/XX/XXXXThe Credit Score Went Up After Making The Payments, Why Not In XX/XX/XXXX Payment?

Every Time i Directed The Customer Representative To The Point Of My Call, She Tried To Divert My Attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - 1st Dispute letter for credit file discrepancies/inaccurate information XXXX XXXX - RE : Request to provide Method of Verification XXXX XXXX - 3rd and Final Notice to Cure XXXX XXXX XXXX1st Dispute letter for credit file discrepancies/inaccurate information XXXX XXXX  - RE : Request to provide Method of Verification XXXX XXXX - 3rd and Final Notice to Cure XXXX Transunion -1st Dispute letter for credit file discrepancies/inaccurate information XXXX Transunion - RE : Request to provide Method of Verification XXXX Transunion - 3rd and Final Notice to Cure The credit reporting agencies have failed to removed inaccurate address, phone and account information, including bankruptcies public record that were reported by a 3 party and not the original creditor, that is hindering my ability to conduct commerce and re-establish credit for housing and job opportunities including my spouse ( XXXX XXXX XXXX ) whom has given me authorization to dispute items on her report as well. ( See Complaint # XXXX / # XXXX / # XXXX )
Product: Bank account or service

I purchased XXXX at The XXXX XXXX ( online ) using my Paypal account because they were offering a XXXX months no payment and no interest option. Paypal is now telling me that I have a payment due within 30 days even though I paid under their promotional offer.
Product: Debt collection

Ally is reporting a paid account as collection. See attached agreement re : their unlawful repossession and ultimate agreement that they will report paid and remove negative actions after date of repossession
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized inquiries the inquiry was not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had a very frustrating and extremely damaging experience with XXXX XXXX Credit Reporting affiliated with XXXX XXXX XXXX XXXX XXXX I feel that I am owed the quick removal of the unjustified derogatory credit reporting information to restore my flawless payment history and loss of XXXX points. 
On XX/XX/2021, I received an email notification from Experian that my credit score had dropped XXXX points. Startled, I log in to find out what had happened. After looking through the reports I found XXXX XXXX  had reported that my XXXX XXXX XXXX XXXX  was over 30 days past due. Given that I have this payment set up automatically, I thought this was impossible. You can review my payment record and verify all payments have been delivered on time until XX/XX/2021 when the automatic payment failed. I immediately went online and brought the account current. 
Communication is a two way process. My issue is that despite being signed up for full automatic email notification as my preferred communication channel, XXXX did not notify me timely about the first missed payment in XXXX. Had XXXX notified me timely that there was a problem with the automatic payment in XXXX, I could have quickly made a payment and restored the automatic payment function and avoided the same issue in XXXX leading to the derogatory report and loss of XXXX FICA points. 
Moreover, XXXX can see that my payment record is flawless except for your unnecessary report. 
I called three different dispute numbers listed on the XXXX website and my card. All these numbers connected my to telephone agents in the XXXX who could not assist me except to advise I mail a complaint. I did send a complaint letter on XX/XX/2021 certified return receipt. I attempted to follow-up through several XXXX numbers but no one had any updates nor could they tell me who to call to get an update. Again, the XXXX Help calls were directed to agents in the XXXX who had absolutely no information nor latitude to assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report states account reviewed 73 months which is 6.08 years. Report also states account opened XX/XX/XXXX and closed XX/XX/XXXX which is 13 months - 1.3 years. Report shows a 5 year and 5 month discrepancy and must be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inaccurate accounts reporting in my credit reports which I have been disputing since XX/XX/XXXX but, to date, I have yet to receive one response from the credit bureaus. Per the FCRA, if the credit bureaus take longer than 30 days to respond or fail to respond to a dispute, they are to remove the information from a credit report. The credit bureaus have failed to respond to my disputes, they have failed to investigate the accounts, they have failed to fix the incorrect issues, and they have failed the law. Now, regarding the issues in my reports that I have been working on resolving, there are 6 DEPT OF EDXXXX accounts reporting 90 and 120 day late payments on my reports but, no 30 or 60 day late payments. Look at the attached reports, account # XXXX .... was reporting on-time in XX/XX/XXXX in the payment history and 90 days past due in XX/XX/XXXX. How can an account become 90 days past due in only 30 days? It can't this is an obvious mistake, one that the credit bureaus failed to fix over the course of the last 7 months. Same issue with account # XXXX ...., # XXXX ...., # XXXX ...., # XXXX ...., # XXXX ... .. XXXX XXXX XXXX XXXX XXXX XXXX. is reporting an on-time payment on XX/XX/XXXX and a 90 day late payment on XX/XX/XXXX and a 120 day late payment on XX/XX/XXXX. How did this account become 90 days past due in a period of only 30 days? Its an impossibility! There are also issues with a collection from XXXX XXXX # XXXX reporting on my reports, I have requested that the collection agency provide documentation proving my liability in this debt ( per FDCPA ) but, they have failed to respond with any documents and the credit bureaus continue to report this erroneous information. XXXX XXXX XXXX XXXX  # XXXX .... agreed to defer payments due to COVID but, continued to report late payments in my credit reports, XXXX # XXXX .... agreed to defer my payments and reduce them due to COVID but, also continued to report the late payments and actually charged off the debt- this was not part of our agreement. Look at the payment history, I continued to make reduced payments but, XXXX and XXXX XXXX reported incorrect information. XXXX XXXX XXXX # XXXX .... is an account I don't even remember opening so I requested a copy of the original contract on the account ( per section 609 of the FCRA ) but, no response again. As you can tell, I've been doing this for a while and working on resolving these blatantly incorrect issues. I am asking that you remove this incorrect information from my credit reports and hold the credit bureaus accountable for violating the law.
Product: Credit card or prepaid card

I received an automated phone call telling me that my Amazon Visa card had a {$340.00} purchase made on it. If I didn't make this purchase I was to call XXXX and report the problem. The call was close to noon time. I called the regular Amazon customer service number and reported this other call. The woman from the real Amazon wanted me to notify you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX The ACIMA CREDIT FKA SIMPL account with the account number XXXX was marked as Charge-off with an identified balance of {$2200.00}. However, a charge-off account should have a {$0.00} balance so, my question is why does this account have a specific amount? Moreover, another error is found in the account 's " Date of Last Activity ''.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XX/XX/2018 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX XXXX XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX CC : STATE REGULATORY AGENCY
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

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 XXXXXXXX
Product: Checking or savings account

On XX/XX/XXXX I went to my bank to deposit {$50.00} in cash which brought my account to positive {$2.00}. I also had five dollars in my reserve account and {$10.00} in my savings account. On XX/XX/XXXX I received an email stating that my account was overdrawn and my money in my reserve and savings was gone. I called up PNC to ask why this happened and they couldnt tell me why wouldnt issue me a refund and I have to wait for a callback from somebody else from the branch. Ive never had a situation like this happened to me and the fact that PNC wont admit their mistake and give me my money back is insane. I lost my job to COVID-19 my fianc and I are both on unemployment and PNC bank took what little money I had left with no justification. My account shouldve never been overdrawn to begin with I had ample and sufficient money in there and they still decided to penalize me. I will not stand for this and PNC Bank is pretty much acting like a thief with no justification for their actions and theyre going to find out that by doing these type of things has repercussions.