23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am seeking your assistance to resolve a situation with CItiBank, who remains unresponsive to verbal and written communication. 
SUMMARY : From XX/XX/XXXX to XX/XX/XXXX XXXX 

To comply with CitiBank 's interpretation of the Patriot Act, my social security number was connected to the Center 's CitiBank Business credit card. Due to billing confusion taking place after I left the agency, CitiBank states the account has not been paid, late fees and interest have been added and the 'account ' has gone from a collection agency called Pro XXXX XXXX XXXX a second collection agency called XXXX XXXX XXXX who continue to call my home and threaten my personal credit rating even though I have repeatedly and patiently explained the situation in full each time I am called. After all, it is in my best interest to clear up this mess. 
CitiBank, XXXX and now XXXX XXXX do not respond to written and verbal communication from me or the XXXX XXXX XXXX to resolve the confusion. 
The original amount owed on the card was {$88.00} with an added {$140.00} in fees which supposedly brings the disputed amount to {$200.00}. XXXX Yes, I know the basic math is wrong, which just adds to the craziness! ) The XXXX shared a letter from Citi with me stating the original {$88.00} was paid XX/XX/XXXX. Yet I continue to receive calls requesting I personally pay {$200.00}.
Product: Credit reporting or other personal consumer reports

I have lost track of the numerous letters I've sent to your bureau regarding my identity theft case, yet my concerns remain unresolved. Despite filing the required FTC complaint, your bureau persists in reporting these fraudulent accounts on my credit report. I want to emphasize that I've already reached out to the banks linked to these accounts, provided the necessary documents, and promptly had the accounts removed from their records. Once again, I am disputing the fraudulent information negatively impacting my credit file. 

XXXX XXXX XXXX, XXXX BANK XXXX and XXXX XXXX XXXX. XXXX.
Product: Credit reporting or other personal consumer reports

Fraudulent account that was closed now they put it back on my account its been a pain its been hindering my life with things I wan na do XXXX XXXX Last reported XX/XX/XXXX Opened XX/XX/XXXX {$26000.00} The company hasnt provided any info like was the money transferred in and out of the account or anything I just didnt understand til I spoke with a consultant I want this account off my credit its been a pain now they wan na reinvestigate putting the account back on my credit over and over They should investigate who transferred the money or etc around cause I surely didnt 15 U.S.C. 1681s-2 This section of the code covers the responsibilities of information providers to consumer reporting agencies. It prohibits the reporting of inaccurate information, and requires that information providers correct inaccurate information after being notified by the consumer. 

My information may have been impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the Banking system ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, creditstanding, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Under The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists The Fair Credit Reporting Act ( FCRA ) in the United States Code gives consumers the right to dispute and remove inaccurate inquiries from their credit reports :
Product: Vehicle loan or lease

I lost my job and my Wells Fargo Dealer Services agreed to allow me to pay weekly or no weekly to get caught up as there was a delay in me receiving unemployment. 
I made my first agreed payment of {$200.00} on XXXX XXXX XXXX, On XXXX XXXX XXXX sometime after XXXX pm the car was towed/repossessed from my home. 
When I made these payment arrangements I requested them in writing, XXXX refused saying they only note the account, not provide written confirmation of the agreement. 

Ater the car was repossessed I was told there were no approved payment arrangements noted tot he account, or on record. 
The car is to be sold on XXXX XXXX if I ca n't pay their fees, repo fees and XXXX fees to get the car back. 

This is not my only concern with this organization. 
On XXXX XXXX XXXX, while in California I paid XXXX cash at a XXXX branch to be later told the payment was credited as XXXX. Not XXXX. 
I scanned a copy of the receiot to XXXX XXXX DEALER SERVICES only to be told over XXXX week period it was never received. 
I asked for account managers email, they refused to provide, as obviously the fax # I was sending to there was an issue. 

Prior to this incident, in XXXX XXXX I again made a cash payment at a XXXX branch In XXXX, As close to my home. 
I paid the full payment of XXXX, however the receipt only said XXXX. I went to the branch XXXX there, explained what happened. It appears they were trying to cover for the teller who did this ( she still works there XXXX, so I demanded they call loss prevention and have them come review the video footage. 
They did, found the error and said they would correct it.I am not sure what correct it meant but my loan payment was never credited and my account was NEVER credited the missing loan payment that the teller mishandled to this day. 
I requested a thorough account audit and account payment history from XXXX XXXX thru current, the payment feom XXXX XXXX still says XXXX as oppose to XXXX as it should be. 

Overall, I have tried to stay in XXXX touch with whoever handled my accoubt if there is an address but it appears if there is great financial hardship or detriment WELLS FARGO DEALER SERVICES will tell you one thing on the phone and do whatever they want in the interim. 
They can not be trusted at the loan servicing level all the way down to the branch level.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have removed this. 
Depending solely on your flawed XXXXXXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, Stevenson v. TRW ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed an unfamiliar account on my credit report that I do not recognize. It may be the result of fraud or identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been an AMEX client for 20 years. I was on a covid plan where upon without notice, I was thrown into collections. 
I was never late. This is ruining my credit. I have called them to pay this off. I want it out of collections. They will not do this.
Product: Debt collection

Optimum collections agency filed a fraudulent derogatory remark on my credit report with the XXXX credit reporting agency. XXXX XXXX Hospital, XXXX County, NC, neglected to enter the appropriate data into their database.. The emergency room debt, {$30.00}, was paid in full by husband 's XXXX XXXX veteran medical insurance policy that includes family too. The XXXX XXXX Hospital and XXXX XXXX hashed it out and the debt was resolved.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
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. 
The account listed below has posted a collection account on my XXXX credit repoorts. This account never belonged to me, and can not be verified. 
Account name : XXXX XXXX has violated my rights. 

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 XXXX 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX The above bank reported to Experian and other credit bureaus that my XX/XX/2018 mortgage loan payment was submitted late for account # XXXX. 

I made the {$4500.00} payment on time on XX/XX/2018, and the bank representative provided me confirmation number XXXX for the payment made on said date. 

I have attempted to correct information on my credit reports but XXXX XXXX XXXX XXXX XXXX continues to inform the credit bureaus that the information they provided is correct. 

I have had two investigations completed by Experian to no success. I have attempted to resolve the issue with XXXX XXXX XXXX XXXX XXXX also without any success.
Product: Money transfer, virtual currency, or money service

I signed up for a new Coinbase account, the system opened the account, and when I tried to link my bank account, I received an error message stating I could not add a bank account. I requested a call from COINBASE, and after 2 hours on the phone with the agent, I was told the problem was being looked into and to expect an email saying the problem was resolved so I could add my bank account and start using the service. After several more hours, I received the email saying I was no longer eligible to use Coinbase, but no explanation as to why.
Product: Credit reporting or other personal consumer reports

All 3 credit companies have wrong address and number on my credit report. I have sent in numerous dispute and proof of my one and only address nothing has been update
Product: Credit card or prepaid card

I was notified that my account was paid off and as a result closed the account. Discover card then contacted me and told me the account wasn't paid off and that they would not reopen the card but continue to charge me the balance until after it was paid. XXXX was notified and sent the charge through and then reverse the charge after I was told that it was handled correctly. I received bank statements today after being locked out of my account for months and reporting my username and password as stolen
Product: Credit card

<On XX/XX/XXXX i realized XXXX charges was made, but i didnt do it, both {$300.00} plus int fees & attemted XXXX more {$900.00} & {$1200.00}. I called to FACEBANK and the operator indicated that XXXX was blocked due to those and other attempts. He recommended that I file a claim and I did so on XX/XX/XXXX. Dispute form XXXX. To date, there are still charges totaling XXXX & FACEBANK do not answer my dispute
Product: Credit reporting or other personal consumer reports

XXXX XXXX closed my account in 2022 after i reported unauthorized charges. the {$190.00} was left as unpaid and reported to chexsystems, now i can not open a checking account. /i had the balance paid down to {$0.00} then my account was hacked. i called XXXX XXXX immediately, this is when account was closed. still t this day someone is trying to make unauthorized charges on this account and its been closed for 16 months. i ask this fraud be removed from the chexsystems report, and account be credited for all unauthorized charges.
Product: Money transfers

When I moved from the XXXX to the USA, I was informed by PayPal that I would have to open new account - I could not transfer my XXXX account. Upon opening my new US account, I was told that because I was a new customer, a hold would be placed on any balance over {$1000.00}, because I was a new customer. I had not been informed of this on opening an account, only when I tried to withdraw my balance for the first time. Because I run my business through PayPal, this was a considerable inconvenience, so I called to find out what was going on. It took me several long and expensive phone calls before anyone would tell me why I could not withdraw my balance. I was told that the limit on my account was because I was a new customer, but no one could tell me how long I would be considered a new customer for, when the limit could be lifted, how often the account status would be reviewed, or where I could get more information. After struggling with this issue for several months, losing considerable business along the way, PayPal pressured me into opening a business account as a way around the issue of the limit. Since then, i have had issues claiming and withdrawing payments made to me in XXXX. When I have phoned PayPal for assistance, I have been told that there are technical issues, but no one can tell me when they will be resolved and how soon I will be able to access my funds. I am always placed on hold for at least 30 minutes, and all of the phone calls above have lasted over an hour - not only is this very expensive, but I never get any help from the phone-calls anyway, making them a waste of time and money. The representatives I speak to refuse to give me information on how I can make a complaint, and frequently attempt to get me off of the phone before my problem is resolved. I have since learned that PayPal is being sued for issued relating to illegal holds on funds as described above, but sadly my issued occurred after the period of the claims - suggesting that PayPal is continuing these illegal practices in spite of the previous complaints and actions. If I did not depend on PayPal to run my business, I would want nothing more to do with them - but I sadly do n't have that option. I would, however, like PayPal to be made to recompense me for the poor service, inconvenience, lack of customer support and information, time-consuming and expensive fruitless customer service calls, and damage to my business over several months. I want them to know that their service has been appalling.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and I am submitting this complaint myself with no third party involved. I have attached a letter providing detailed information about the unauthorized inquiries reported on my credit report. 

The accounts listed in the attached document represent all unauthorized inquiries. I have never conducted any transactions with the entities associated with these inquiries, and none of them have been verified.
Product: Vehicle loan or lease

I went into a deferred payment in XXXX of 2020, that deferred payment plan was due to Coronavirus and the Pandemic and lasted 6 months, in XXXX of 2020, I began making my scheduled payments with them in accordance with our terms. Wells Fargo Dealer Services has since stopped reporting the account on my credit entirely. Since XXXX of last year this account has not reported on my credit. That is one full year of payments, that were made on time, that were never reported. HOW DARE THEY! They have failed to meet their obligation to report to the credit bureaus! I DEMAND JUSTICE!
Product: Vehicle loan or lease

I took out a lease in XX/XX/2019 on a XXXX XXXX with GM Financial. I have paid all payments on time under auto-pay. For some reason, it seems that GM Financial has a bad and malicious business practice of automatically ending auto-pay 1-mo prior to lease end. In short, I ended up missing the payment and did not realize this was an issue, until I received a notification from XXXX XXXX that a negative mark had been registered on my credit history. 

In this case, my plan was also to extend the lease and continue paying, which is what I have been doing ( all on time thereafter ). They will say they it's in the fine-print or they sent emails saying that my balance is coming due. Unfortunately, I received these same emails when auto-pay was active so it's think nothing of it assuming that auto-pay will take care of it. In my opinion, this is an unreasonable expectation for a customer to have to manage and has no valid rationale behind it. 

I have tried contacting GM Financial several times thereafter to request the mark be removed for the reasons described above and that I'm a well paying customer. Unfortunately, they said they could not help and recommended trying a dispute or making a complaint on CFPB. GM 's own customer service professionals note that this is unfair, they don't know why GM is doing this, and that this affects many customers everyday.
Product: Checking or savings account

I'm a PNC customer who is working internationally and sometimes I have to use an ATM. We have been reimbursed for ATM fees before but we recently did not get reimbursed for an ATM fee. 

On XX/XX/2023, I called PNC bank and was told they would only reimburse one ATM fee per month and they created an escalated ticket on my behalf to find out what the policy was. 

On XX/XX/2023, I received a call from a PNC case worker but they were unable to provide or send me any new documents/ policy regarding International ATM fees. 
After the conversation, I felt that the one per month International ATM fee reimbursement was something they made up off the top of their heads as I found an article on their website stating that PNC was reimbursing International ATM fees.
Product: Credit reporting or other personal consumer reports

The company in which I disputed the accuracy of the reporting to the credit bureaus was not resolved they are still reporting inaccurate and inconsistent with the other reporting bureaus which violates my rights for fair reporting because it is inaccurate which I provided a copy of my report that shows all 3 bureaus reporting differently. To resolve this issue I want this deleted or I will move forward with a lawsuit because reporting inaccurate information is against the law according to 15usc1681i 15usc 1681s2 15usc 1681i5 15usc 1681eb Please delete these accounts expeditiously!
Product: Vehicle loan or lease

I have been financing an auto loan through exeter finance since XX/XX/XXXX. Today I found out Exeter is charging more than the maxium APR for the state of Kentucky for an Auto Loan. Exeter is unwilling to change payment dates or help me get caught up on my payments. I was laid off from work due to a terminal illness. I have been trying to get caught up with my payments but it's impossible with Exeter Finance. There customer service is horrible and they refuse to help. I am suppose to start my new job on XX/XX/XXXX. I am trying to keep my vehicle from getting repo.
Product: Credit reporting or other personal consumer reports

I am a victim of fraudulent information reporting and I am filing this complaint to BANK OF AMERICA. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.