23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had a Home Depot credit card for which is being issued by Citibank N.A . for which I am disputing the balance of {$100.00}. For many months I am getting statements that I owe money for a credit card for which I had but is closed now for which I called Citi Bank last year several times disputing the interest charge that started out to be about {$7.00} or so and every month I was getting charged interest and late fees. No matter how many times I tried to dispute this balance I was not able to resolve the issue. Some time last year I participated in survey for which I gave negative feed back for which Citibank was not happy being I then received an email of which had incomplete information. I responded back and received another email. I called the representative several times left messages being I was not able to reach her. I finally received a call back from another representative whom I could not talk being I was busy trying to take care of something serious. when I tried to call back unfortunately, I had misplaced my documents with the telephone numbers and the names of the representatives. In XX/XX/2016 I left for XXXX due to a family emergency and while there I received two telephone calls from Citi Bank for which I missed but called them back after the second call. I attempted one last time to resolve the billing dispute but unfortunately the representative refused to resolve the problem. I spent about 15 minutes or so on the phone for which my cell phone carrier had charged me for those calls and they were not cheap calls. Recently, I pulled my credit reports for which had negative reporting from Citi Bank for not paying the balance that started at {$7.00} and now has reached {$100.00} being today I received a collection letter from XXXX XXXX XXXX demanding this balance. I am sorry but I will not pay Citi Bank not one dime being they have refused repeatedly to resolve this problem months ago. Had they resolved this matter months ago I would not now have to file a complaint against Citi Bank who is ignoring me and my complaints. They have destroyed my credit of which is really uncalled for. I expect them to remove all the negative reportings and wipe out this balance. If Citi Bank does not resolve this matter immediately I will then have no choice but to take legal action against them of which is going to cost extensive legal fees. I am really upset and frustrated that Citibank destroyed my credit after I have been working very hard to keep it in great standing. Please investigate my complain. Please feel free to contact me if you have any questions in regards to this matter. Thank you Ms XXXX XXXX
Product: Mortgage

Dovenmuehle Mortgage is servicing my loan. Insurance was due on XX/XX/2020. As of XX/XX/2020, my insurance was not paid. They overnighted payment upon my request to the wrong address. XXXX cashed the check, then refunded payment onXX/XX/XXXX. Refused to reinstate policy. DMI said they didnt have the returned funds. As of XX/XX/2020, they found the funds with their 3rd party insurance vendor. I have no insurance and a new policy is {$4200.00} versus the {$2900.00} policy I had. I do not feel I should be penalized for the mistake of the servicer not paying the insurance premium on time. It was paid 35 days late by DMI and XXXX refused to reinstate the policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy on one of 3 of credit companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

and list of Inquiries.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing this formal complaint against Transunion in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. 
My primary complaints are as follows : 1. Failure to Ensure Accurate Reporting : I firmly believe that Transunion has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations. 

2. Deviation from Established Reporting Standards : Based on my understanding of CDIA 's CRRG manual ( see CRRG 3-4 ), any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Transunion may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information.

3. Lack of Documented Proof : Despite my attempts to contest the reported information, Transunion has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$19000.00} ; XXXX XXXX Balance : {$2300.00}
Product: Money transfer, virtual currency, or money service

I had a listing on XXXXXXXX XXXX for a pair of XXXX XXXX boots. Someone reached out to me through XXXX XXXX to see if they were still available. While I had sold them and forgot to update the listing, they asked if I had any other XXXX XXXX shoes. I said yes and they said that they wanted to buy them. We agreed to do the transaction through XXXX. I sent them the email associated with my XXXX account. I received an email that said the buyer had sent the money and to release the money I needed to send confirmation that the item was shipped ( Friday XX/XX/2022 ). Then, I had received an email that said that my XXXX account could not accept the payment because it was over {$100.00} and my account was a personal account, not a business account ( Friday XX/XX/2022 ). To fix this, it said the buyer needed to pay {$400.00} on top of the cost of the shoes and I would have to reimburse them. I sent the money through XXXX ( which I use through Chase Bank ) and then received another email saying that XXXX had an error in their system and it double charged the buyer ( Friday XX/XX/2022 ). I needed to send them another {$400.00} before I could be credited {$810.00} ( it should have been {$910.00} if the math was correct ). XXXX prevents you from sending more than {$500.00} in one day so I waited until the next day ( Saturday XX/XX/2022 ) to send the money. Once I sent the money, I received another email asking for another {$500.00} ( Saturday XX/XX/2022 ). At this point, I had recognized that the email were fraudulent. There was also no evidence of these pending charges on my XXXX account. I contacted Chase on Saturday XX/XX/2022, and they said that since these payments were made through XXXX, they could not be reversed. I was able to place a request for USPS to intercept the package and return it to sender, but I lost {$800.00} and I am a XXXX XXXX I reported the buyer 's XXXX profile and the XXXX XXXX conversation we had.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Debt collection

The vehicle was sold and they still continue to report it on my credit report when they already collected the full amount and are making a false representation of an alleged debt that does not exist. Also the amounts in the different credit agencies are different, some say they finance one amount and the other says another. that's fraud. 

15 USC 1681 ( a ) ( 1 ) Truth In Lending Disclorures. I have the right to see the division of said credit transaction. Regulation Z, Regulation M After having sold the property and paying off the alleged debt, they continue to report it on my credit reports as if it is a real debt, making a false representation. 


Account info Account name XXXX XXXX XXXX Account number XXXX Account type Auto Lease Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$35.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$9200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$26000.00} Highest balance
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain toquestion specific records in my document coming about because of the wrongdoing. Therecords I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, blockthe noteworthy of any information in my credit record that came about due to an allegedfraud or extortion. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX : {$2000.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$720.00} XXXX XXXX  XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$210.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$120.00} ; XXXX  ; XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXXXXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXXXX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX
Product: Debt collection

I have several times tried to pay by my debit card but failed. Please check your message history. I am agreed to pay online. Please let me know why my paypal acount is limited or withheld. Why unable to pay the due. Again I agree to pay the due online. Please let me know the procedure
Product: Checking or savings account

My account was closed on XXXX XXXX, 2017. Ive never had a NSF withdrawal and have always had funds direct deposited into my account for years. There is no logical reason other then a computer glitch to have my account closed, but no one at Chase was willing to help.
Product: Credit reporting or other personal consumer reports

I have discovered that there are errors in the following item ( XXXX ) XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect XXXX XXXX XXXX. The following personal information is incorrect XXXX XXXX XXXX. The following personal information is incorrect XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX TN XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX AR XXXX. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX open XXXX XXXX. XXXX  Account Number : XXXX open XXXX XXXXXXXX XXXX XXXX XXXX Account Number XXXX open XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX open XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I had an account at XXXX XXXX services for a vehicle lease and the lease was paid off and XXXX closed the account. Transunion dropped my credit score from a XXXX to a XXXX ( 70   points ) for no reason. I contacted XXXX  and they never reported a late payment or anything and account was closed in good standing and only change on credit report was the closing of this account. Disputed and Transunion did not change score. Currently at XXXX
Product: Credit reporting

Applied for credit, discovered my report is merged, only through Experian, with another persons. Placed a 90 day credit alert through XXXX to be safe. Recieved a letter from Experian stating they can not honor my request. Called and was told I would be transferred to a department that would fix the issue - was an automated line with no help. Called, communicated the issue, was told 3-5 business days it would be fixed. Received a letter stating an inability to honor my request. Was contacted by the individual my report was merged with informing me our reports are still merged and that they received my personal credit information along with theirs.
Product: Credit card or prepaid card

A fraudulent charge appeared on my Citi Mastercard from XXXX XXXX XXXX XXXX XXXX in XXXX on XX/XX/2018. My daughter made a MUCH smaller valid charge, and then someone at the salon ran a second, unauthorized charge on the card for {$23000.00}. Despite the ridiculous amount of the charge, Citibank never Calle to verify that this was a valid charge ( although I have previously received calls of that nature for smaller transactions ). Despite my maintaining from the outset that the charge was fraudulent, Citi has never treated it as a fraud matter, but rather as a merchant dispute. When the valid charge was made, they brought my daughter a tablet to sign for the charge, but did not return her card to her for some length of time. During this time is clearly when they ran the ridiculous, unauthorized charge. The e-signature for this second charge does not match my daughters signature, but looks like a poor attempt at forgery. Citi has done nothing to protect me as a cardholder.
Product: Money transfer, virtual currency, or money service

XX/XX/year>XXXX  I had a XXXX that was sent in error for an amount of {$4000.00} and the issue was not resolved any way
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft and have placed fraud alerts on all of my credit reports. The telephone number on the fraud alert which is listed on my credit reports needs to be updated to ( XXXX ) XXXX. 

Since the placement of the fraud alerts on my credit reports, a number of inquiries have been placed for credit using my name and social security number that I've never authorized. 

The XXXX and XXXX XXXX XXXX XXXX Accounts that appears on my credit reports is a result of fraud and identity theft. I have filed an Identity Theft report and police report with the credit bureaus but, they are refusing to remove it. 

The matters in this complaint have not been addressed or have ever been in any Litigation or before a court of law nor are they scheduled or filed to be heard in a court of law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX [ XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/year>, I fell victim to a multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Bank of America account to fraudulent investment firm
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a {$2000.00} collection showing from XXXX XXXX originally XXXX XXXX from XXXX of 2022. I have XXXX  and did not do anything with XXXX XXXX. Not my account. I requested it removed. They say it is accurate and didn't remove it. I don't have any documents because I didn't open an account or even attempt to.
Product: Credit reporting, credit repair services, or other personal consumer reports

[ Consumer Financial Protection Bureau 1700 G Street NW Washington, D.C. 20552 Subject : Incorrect Information Reporting on Credit Bureau Dear Sir/Madam , I hope this letter finds you in good health and high spirits. I am writing to bring to your attention a persisting issue regarding the incorrect information that has been reported by credit bureaus from XX/XX/XXXX to XX/XX/XXXX. Despite my attempts to rectify the situation, the credit bureaus continue to report inaccurate details, including incorrect amounts and dates. 

I have recently taken steps to address this matter by contacting the credit bureaus and providing them with the necessary documentation and evidence to support the correction of the inaccuracies in my credit report. However, to my dismay, their response has been unsatisfactory, as the incorrect information persists on my credit report. 

The inaccuracies reported by the credit bureaus have had a significant negative impact on my financial profile and creditworthiness. This has proven to be highly detrimental, as it has affected my ability to secure favorable interest rates, obtain credit facilities, and even hindered my chances of gaining employment in certain sectors that require a thorough credit check. 

I kindly request the assistance of the Consumer Financial Protection Bureau in rectifying this matter. I believe that it is within your jurisdiction to intervene and ensure that the credit bureaus accurately report my credit information. I am confident that with your involvement, a resolution can be reached, and my credit report can be updated to reflect the correct and accurate information. 

Please note that I am available to provide any additional information or documentation required to facilitate the investigation and resolution of this matter. Additionally, I understand that certain personal information may be necessary later in the process for identification purposes, and I am prepared to provide such information when requested. 

I would greatly appreciate your prompt attention to this matter, as it has caused significant distress and inconvenience. I trust in the abilities of the Consumer Financial Protection Bureau to ensure that consumers like myself receive fair treatment and accurate reporting of their credit information. 

Thank you for your time and consideration. I look forward to a favorable resolution to this matter and appreciate your efforts in assisting me.