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

I am writing to formally lodge a complaint regarding the handling of my personal and business accounts with Citi Bank, which has caused significant financial and operational distress. 

In XX/XX/XXXX, my personal account was unexpectedly locked after I made a XXXX transfer for purchasing cat food. I immediately contacted Citis customer service to clarify the transaction. The representative informed me that a letter with a reference code would be sent to my address, which I needed to verify upon receipt in order to unlock my account. However, despite waiting for a month, I never received this letter. 

I subsequently contacted Citi Bank multiple times and even visited a branch to resolve the issue. Unfortunately, I was repeatedly told that nothing could be done except to wait for the letter. I also questioned whether my address on file was correct, and the representatives confirmed that it matched my current residential address. 

It was only in XX/XX/XXXX that I discovered Citi had been sending my verification letters to an incorrect addressone that I had moved out of long ago and never provided to Citi. I managed to retrieve the letter, called customer service to verify my identity, and was assured that my personal account would be unlocked within 24 hours. However, my account remained frozen. 

A few weeks later, without any prior notice, my business checking account was also suddenly restrictedI was unable to make any payments, though deposits were still being accepted. When I contacted Citi, I was informed that both my personal and business accounts were in the process of being closed, which would take two months, during which I had no access to my funds. 

This decision has caused severe disruptions to my business operations : I was unable to pay my XXXX employees salaries. 
I was unable to pay my business rent. 
My funds have been completely frozen, and Citi has refused to release my money. 

Citis mishandling of my accountsstarting with the misdirected letters, the prolonged account freeze, and now the unjustified closure of both accounts without a proper resolutionhas severely impacted my business and financial stability.
Product: Credit reporting or other personal consumer reports

On XXXX I sent letters to each of the three bureaus through certified mail requesting investigations on information on my credit reports that were highly inaccurate and has been negatively impacting my ability to obtain credit. I also requested the inaccurate information to be removed and then updated credit reports be sent to me. Rather than investigate my claims, the three bureaus did not remove more than one or two small items like inaccurate personal information and I never received updated credit reports. 

On XX/XX/year> I sent another round of letters identifying the errors on my reports and I again requested investigations be opened, inaccurate items be removed and updated credit reports be sent to me and I have heard nothing from any of the bureaus. In short, they are all failing to comply with their own policies in a timely manner. I have proof showing I have sent these letters to XXXX, TransUnion and XXXX - and I am positive I have the correct addresses because I sent the first round of letters via certified mail. 

Thank you.
Product: Debt collection

I contacted Medical Data Systems in the spring of 2018 about fraudulent charge on my credit report stating that i did not have any knowledge of what this is from, i also told them this was not my bill to pay, that my wallet was stolen prior to 2018. I tried to contact the original creditor XXXXXXXX XXXX XXXX about this bill owing {$100.00}. and never gotten any calls back or emails. I also have gotten this off my XXXX and XXXX report. there is also a statement in my credit file stating that i had fraudulent activity. and my wallet had been stolen
Product: Checking or savings account

On XX/XX/year>XXXX  Navy Fed charge me {$29.00} overdraft fee for Insufficient funds, I have overdraft protection on my account. There has been multiple occasions where I was charged and insufficient fund fee because they chose to take the payment out later and other bills came out of my account at the same time.
Product: Mortgage

I have a mortgage with CrossCountry mortgage Account XXXX. XXXX XXXX XXXX XXXX For a year they receive my paiments and never inform me that my insurance never was XXXX and now 14 months later they activated an insurance for that time that my mortgage was with out insurance and my home was with out coverage I explain to them that my insurance agency send them the policy but never receive the payment and after that they notificated them that the policy was cancel, but i never receive any notification to activate or request for a new policy, I felt unprotect for more than a year and then the mortgage charge me for an insurance overprice just to justificate that we supposedly had an insurance since the beginning of the mortgage I would like this money back to my Escrow and thats why I contacted you Thanks
Product: Credit reporting or other personal consumer reports

Account Information : Account Name : XXXX Account Number : XXXX Account Type : Unsecured Responsibility : Individual Date Opened : XX/XX/XXXX Status : Closed. {$16000.00} written off. 
Status Updated : XX/XX/XXXX Balance : {$0.00} ( Balance Updated on XX/XX/XXXX ) Original Balance : {$15000.00} Terms : 60 Months Dispute Reason : I am disputing the accuracy of the reporting on this account for the following reasons : Dispute Code : 112 : " Account status incorrect '' XXXX  : " Payment history incorrect '' XXXX : " Balance inconsistent '' Payment History Inconsistencies : The reported payment history contains discrepancies, including duplicate or inconsistent entries for charge-offs ( " CO '' ) in XXXX and XXXX. For example : The account is reported as " CO '' in several months when the status update date shows no significant change in the account 's condition or balance. 
There is no clarity on the progression of delinquencies and the timeline leading to the charge-off. 

Status and Balance Discrepancies : The original balance is reported as {$15000.00}, but the written-off amount is {$16000.00}. This inconsistency needs clarification. 
Current Status and Payment Terms : The account status indicates " Closed '' with a {$0.00} balance, yet the delinquency history does not align with the terms of the account. There is a need to confirm whether this was reported accurately following the closure of the account. 
Missing Documentation : I have not been provided with sufficient documentation to verify the accuracy of the reporting. Specifically, I request evidence supporting the charge-off status, including payment records and any relevant account activity. 
Requested Action : I kindly request that XXXX and the credit reporting agency : Conduct a thorough investigation of the reported information. 
Verify the accuracy of all payment history entries and adjust any incorrect information. 
Provide all relevant supporting documentation justifying the current account status, including charge-off validation, balance details, and past-due payment reporting. 
Correct any inaccuracies identified in this dispute process and update my credit report accordingly. 

Payment records. 
Correspondence with XXXX regarding the account status. 
All documents that support the dispute. 
Closing Statement : I value the accuracy of my credit report and trust that XXXX and the credit reporting agency will address this matter promptly. If no verifiable documentation is available, I respectfully request the removal of this account from my credit file.
Product: Credit reporting

My issue concerns my credit score ... XXXX it list me as a ( very Poor ) credit risk.. Primarily basing the conclusions on credit inquiries.. & credit card usage ... XXXX I 'm am a debtor, who works very diligently to pay my bills & pay them on time ... # 2 I do not use 'Credit cards to pay credit card or other monthly Bills that are Due ' Indeed I pay my bills with the cash that I earn, from the sweat of my brow. I use my credit cards for goods & services which is what they are designed for. # 3 'I never ever pay minimum amts Due on credit cards ' instead, I use them more as, an easy way to pay for goods & services.. But in this modern day world of Internet sales & the like. I somewhat insulated against scams & the like..Mosty Importantly ..I am extended credit ..because of my payment creditworthiness & no matter how much of my credit I use I should not be penalized unless I 'm in default ( Computer models & probability charts should not Count ) ... My goal is to repay the debt.. & that 's what I have done.. 100 % & my credit score & Rating from the Bureau should lean most heavily on this simple fact ..when issuing My Credit Score '
Product: Payday loan, title loan, or personal loan

I had never heard of Mariner Finance before today when I received a mailing from them stating my " application '' had been denied, and including much incorrect information ... I absolutely never applied for anything from these people, they fraudulently accessed my credit and it needs to be fixed ...
Product: Money transfer, virtual currency, or money service

My Dad sent me some XXXX money but I never received it and it left his account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX continues to violate FCRA Laws and UCC LAWS, I am currently in litigation with XXXX XXXX related to acct # XXXX XXXX XXXX XXXX I have retained attorney XXXX XXXX XXXX XXXX. 

We are proceeding with lawsuit pertaining to Full Purchase Refund : Recovery of the total purchase amount due to significant issues such as defects, non-delivery, or failure to meet contractual terms. 

Reimbursement of Out-of-Pocket Expenses : Compensation for any additional costs directly incurred as a result of the issue, including fees, costs, and other expenses. 

Damages for XXXX XXXX : Compensation for the emotional distress and XXXX suffering caused by this situation. 

Misrepresentation : Claims based on false or misleading information provided by the other party, which induced us to make the purchase. 

XXXX : Allegations of intentional deception by the other party for financial or personal gain. 

Punitive Damages : Additional compensation aimed at punishing the wrongdoer and deterring similar conduct in the future. 

Any Additional Claims Uncovered During Discovery : This includes any further claims identified during the pre-trial discovery process, where evidence is exchanged and examined. 

In the interim, XXXX XXXX has received several certified mail rescinding the contract, since XXXX, which they have chosen to ignore, the opt out request, from all reporting agencies, along with the Revocation of Power of Attorney, and have placed my account in repossession status. I did not give any consent. 

I would like repossession and the all late payments removed, actually the entire XXXX account removed from my report on all three bureaus and any other consumer reporting agency. as I have returned the vehicle XX/XX/XXXX. 

This is completely unfair and ruining my chance as securing another vehicle while litigation occurs. I have never been late on any auto payment with XXXX until the vehicle shut down on me in mid traffic earlier this year. I do not deserve to be unsafe and penalized. Ive stopped payment and made it clear to XXXX, they offered a repurchase agreement and XXXX in monetary relief, ( see attachment ) which Ive declined, and decided to sue for what is lawfully due to me. Its unlawful to penalize me for a lemon, especially when Ive made several efforts through CFPB and XXXX directly through all their channels. 

Its a shame as a secured creditor I am being used and abused and mentally strained above it all. Please make this right!
Product: Credit card or prepaid card

TD Partnerships Services lock me out of their online portal when I needed to check on the status of my payment and payment plan. The directed me to a phone number which did not provide an option or direction on how to get my account unlocked. 
Looking to check my payments and payment plan using their phone service, the information did you allow you to check the status of a payment or a payment plan which leads me to believe they are trying to be deceptive and trick people into making unnecessary duplicate payments. The course of action I took was on XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX I received a phone call from XXXX XXXX with MRS BPO stating that I had student loan debt in collections in their office. I attempted to make a payment arrangement of {$100.00} a month with the company however they were asking for a good faith payment of 15 % of the balance of {$15000.00} which I did not have and I explained to Ms. XXXX that I did not have that amount to put down as a good faith payment. 
The company is unwilling to make an arrangement without a good faith payment which I do not have the means to pay. 
Prior to this being transferred to MRS BPO I had an agreement with XXXX XXXX XXXX and received in writing an agreement to pay {$230.00} a month beginning XX/XX/18. XXXX XXXX XXXX never gave me to opportunity to respond, agree to, and make the payment as it was transferred to another collection agency. 
Ms. XXXX also continues to tell me that she knows that the co-borrower on the student loan has the assets to pay the good faith payment and states that she can not disclose to me how she knows that information. 
I submitted a complaint on XXXX XXXX XXXX back in XX/XX/2018 and received a response stating they would be willing to work out an agreement. The letter was dated XX/XX/2018 I believe, the letter then had to be mailed to me which would take a couple days and thats not including XXXX XXXX holiday and weekends ( mail isnt delivered on Sundays ). Ms. XXXX from MRS BPO states they received my account in their office on XX/XX/XXXX. That didnt give me any time to receive the letter from XXXX XXXX XXXX and respond which I feel is unfair.
Product: Debt collection

Credence Resource Management has been harassing me and fraudulently popping up on my credit report for the last XXXX years. I have disputed and resolved it with XXXX XXXX time already, on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. I am currently disputing it again. The calls are relentless, its becoming harassment at this point. The original creditor, XXXX XXXX XXXX XXXXXXXX, has no record of me or this account in their system. I am at my wits end and I need help, desperately.
Product: Credit card

Please review the attached documents. I want the bureau to initiate an investigation into these accounts. Despite my punctuality, they are erroneously reporting me as late.
Product: Debt collection

On XX/XX/2021, while residing at the XXXX apartments, were constructively evicted as Retaliation for filing written complaints with their Management Company, " XXXX XXXX ''. We were evicted from Our HUD subsidized Apartment without any written notice or good cause, as pursuant to HUD Policy. In XXXX XXXX, a collection company, " Hunter & Warfield '' XXXX XXXX XXXX  XXXX, XXXX FL XXXX has called, and mailed demands for {$360.00}. 
When in fact NO monies were owed, in addition XXXX XXXX Apartment and its Management Company has tried to extort {$680.00}. none of this so called money owed has been shared with HUD by the perpetrators. as a result, We were forced out of Our Housing during the Covid-19 Pandemic. it should be Noted We are XXXX Seniors, and denied the return of Our {$400.00}. deposit.
Product: Debt collection

On XX/XX/2018 I was served a summons to settle a debt. The summons was dated for XX/XX/2018 exactly a full month before I received any word of this summons. To top it off I was served on a Sunday when the courts are closed giving me no possibility to respond to the summons. I was not made aware of this summons in any way before the date to respond expired.
Product: Student loan

Nelnet has been calling my mother numerous accounts, borderline harassment at this point, then they proceeded by releasing information without me even signing a release form, saying that they could talk to my mother the only one that has authorization to talk to them would be my spouse. They released information to my mother that should not have been released.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C. 1681 ( A ) I have the right to 100 % accuracy on my credit report.

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. 

XXXX XXXX  account # XXXX reported inaccurate information on my credit report, I HIGHLIGHTED all inaccurate information on the report. 

15 U.S Code 1681 s- 2 - responsibilities of furnishers of information to consumer reporting agencies section ( 1 ) ( a ) states : A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASON TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Debt collection

Pressler & Pressler are trying to sue me and collect on a debt that is over 10 years old and not on my credit report.
Product: Debt collection

I was contacted XX/XX/XXXX by XXXX XXXX with Trinity Everest Associates claiming there is pending action and a lawsuit against me for an unpaid XX/XX/XXXX Visa account and all bank accounts, tax returns and anything tied to my social security number would be frozen. I have no bad debt, and dealt with a fraudulent claim in XX/XX/XXXX regarding the same account number he provided. I told him this, at first he was nice, said he would help. I said I've received nothing by mail. I felt it would be best to avoid giving any personal data that could be used if this was a phishing call, or attempted fraud. He claimed they mailed notice on XXXX to a street address I lived at in XXXX, but coupled with a city I lived in in XXXX, and my current home address. Told him nothing has been received at that address. He asked if it was my current address and I repeated nothing has been received at that address. He demanded to know if it was my home address and I said I didn't intend to verify or provide any information except to prove the debt wasn't mine. He became belligerent, said I had 2 hours to provide a letter to prove that. I stated I was at work and couldn't do that. He asked when I would be home, I said around XXXX XX/XX/XXXX. He asked where I was, I thought to determine time zone. I said I was in XXXX XXXX and he cut me off, became furious, said OH, now you are in XXXX, your account won't be here by then. They will just proceed to sue you. I was flustered, stated I worked in an adjacent state, which I should not have revealed. He said we were done, gave his extension was XXXX and said good luck and hung up on me. I called XXXX Visa and confirmed there was never an account with that number in my name. They have records of the problem in XX/XX/XXXX. I have documentation the XXXX account I did have was paid in full to the company that acquired that debt. They called from XXXX and left call back number of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$4800.00} ; XXXX XXXX XXXXXXXX Balance : {$4100.00}
Product: Mortgage

In XXXX of XXXX I received a referral to Academy Mortgage from XXXX for a VA home loan based on my credit profile. I was soon introduced via telephone and email to XXXX XXXX senior loan officer of Academy Mortgage. After explaining some challenges I had and being fully transparent MsXXXX XXXX stated that she could get my family and I into a new home. I repeatedly answered all of her questions and forwarded her all of the documents she requested within the same day of the request. I also would stand on hold for different subcontractors she wanted me to speak with for periods that sometimes exceeded one hour. After going under contract and receiving two letters or approval from XXXX XXXX of Academy Mortgage I was scheduled to close on XXXX XXXX. I received my closing documents on XX/XX/XXXX and signed and returned them the same day. At XXXX the night before my scheduled closing Ms. XXXX said she would need an extension until the " end of the month. '' After some negotiation the seller agreed. On the last day of the month Ms. XXXX informed me that she would not be able to do the deal that I had signed the contracts for after I had paid all of the inspection fees, Academy Mortgage fees, survey fees, termite inspection, septic inspection and appraisal. 
To date none of these funds have been reimbursed to me.