23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for a Wayfair Mastercard serviced by Citibank. The intro rates were confusing on the application regarding 0 % APR. I started trying to contact Citi at about XXXX. The phone trees refused to let me speak to customer service without an account number and couldn't find my application by social security number. 

I found another customer service number. From there, I was transferred between applications, credit/checking, and other branches. No one was able to provide me this information and I was constantly disconnected and told that it wasn't their department 's job. I asked to speak with a manager and was denied. I asked to escalate the issue and was denied. I was told that there wasn't a way to escalate it because I was speaking with the banking side and I needed to speak to the credit side. I explained I had already done that and was transferred to banking. The agent just told me the same thing and that I had to talk to credit. They refused to send me to a live agent or provide an email address for direct contact. 

I made 15 calls and spoke to almost as many agents trying to get this solved and just get a copy of the terms and conditions and to clarify my intro rate. An agent finally told me I needed to talk to Wayfair and gave me their phone number. To clairify, Wayfair doesn't deal with credit cards and they aren't a bank. So Wayfair told me I needed to call CitiBank back... 

XXXX from Wayfair was nice enough to use some internal numbers and escalation codes to get a woman on the line from Citi that was actually able to provide information. But it shouldn't take over an hour to get someone from a different company all together to be able to get me in touch with the appropriate person from the Bank I am trying to use. 

I was finally able to get in touch with a person to obtain some information, but it should not take this long or be this obtuse. I would not suggest ever banking with Citi.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hyundai Finance is reporting an unknown payment for XX/XX/2021. I have a statement showing that I made payment in XX/XX/2021. They also reported that I have a payment increase in XX/XX/2021 for {$340.00} even though I paid the lease in full in XXXX and settled the account. Not in XX/XX/2021 as indicated.
Product: Debt collection

I called Americollect in XXXX and asked how much I owed to pay off accounts in full. They offered me a settlement amount of {$790.00}. The original balance was {$990.00} XXXX but the they have consistently quoted me different balance amounts each time I called XXXX. The XXXX XXXX XXXX XXXX sent a check in for the amount of the settlement of {$790.00} on XXXX XXXX, 2015. That check was cashed by Americollect on XXXX XXXX or XXXX. I requested a receipt be mailed to me to show I had paid all debts. I was told I would receive it within 3 weeks and I did n't receive anything. Then I called on XXXX XXXX and spoke to XXXX, and XXXX on XXXX XXXX. On the XXXX XXXX confirmed that they payoff was received and I would receive a payoff letter in a week. I did not receive that. When I called back today, XXXX, I was told by XXXX that I still owed {$900.00} and they have no record of the settlement deal.
Product: Credit reporting or other personal consumer reports

XXXX and TransUnion along with OTHER 3rd party businesses, or affiliates currently show negative, inaccurate derogatory information reporting from XXXX XXXX XXXX XXXX. The issue is I never had an open revolving visa cash rewards credit card with a balance pending in the amount of {$100.00} or more with a limit of {$5000.00}. I had a XXXX XXXX  XXXX  but that was paid off limit amount {$3500.00}. I have never consulted nor consented for XXXX to sell my name email to any mutual insurance or investors. In addition my mortgage and other personal loans are not being posted accurately by these 3 bureaus from XXXX XXXX  XXXX. There has not been a lag period more than 30 days. Why is XXXX reporting to XXXX after paid and closed $ XXXX but updates highest balance $ XXXX? Just a lot of inaccuracies not doing me any favors. Instead things appear as though they are not in my case late, delayed, or hurting characterized in payments. However I have no delays no deficiencies pending w/any lenders mortgage payments or XXXX XXXX  all in good standing. The current mortgage value is not $ XXXX it's below. And XXXX leads what other lenders are seeing on my report.
Product: Debt collection

I am wanting to make sure that this debt is being reported accurately on my credit report. On XXXX/XXXX/16, I sent a 2nd request for validation of debt via traceable mail. The letter was received on XXXX/XXXX/16. On XXXX/XXXX/16 a dispute letter was sent to XXXX to challenge the validity of the debt and make sure it was reporting 100 % accurate. 

On XXXX/XXXX/16 Enhanced Recovery Corp responded to the XXXX dispute with a statement " Verifying '' the account and it 's correct and accurate reporting. 

The Fair Debt Collection Practices Act clearly states that collection agencies MUST cease all collection activities until they provide validation of debt, once a consumer request is received. 
By them verifying the debt with Equifax without validating the debt, they violated the FDCPA. 

Furthermore, Enhanced Recovery Corp failed to report the item as " in dispute '' with XXXX..which is another violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX company is still reporting my accounts as OPEN on my credit reports when in fact they are closed and should be deleted from credit reports per Chapter XXXX bankruptcy.Despite a request to XXXX XXXX ( XXXX 2016 ) and several disputes requests with all three credit bureaus ( XXXX, Experian & XXXX ), the accounts still show as open.
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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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: Debt collection

I recieved a call from midland funding llp. The caller stated that they were located in  XXXX . The number used to call me was  XXXX . The caller stated that i owed {$800.00} for a  XXXX   XXXX  bank credit card. I told the caller to mail me a detailed letter of the debt. Caller stated that letters was sent to me. I explained to the caller that i have not recieved anything in the mail and to resend a detailed statement letter in which this caller refused.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance Owed : {$260.00} XXXX XXXX XXXX Balance Owed : {$710.00} XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXX Balance Owed : {$120.00} XXXX XXXX Balance Owed : {$830.00} XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$580.00} XXXX XXXX Balance Owed : {$230.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$770.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$10.00XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Checking or savings account

Cash app kept letting XXXX taking money out of my account without my authorization and I wasnt being able to get any of my money back. Up to {$280.00} XXXX took from me in one day. And when I tried reaching cash app customer support to told me to file a claim and I did only for them to come back and closed my account and told me that I was it fault.
Product: Credit reporting, credit repair services, 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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX, Account name : XXXX, XXXX # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that ARE NOT reported correctly.

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. 

secondarily- they are not even in the slightest compliant with metro XXXX credit reporting. I have evidence to prove my case
Product: Mortgage

In XXXX of XXXX, I applied for the NC Home Assistance Fund ( NCHAF ) and was awarded aid. On XX/XX/XXXX, I received the award letter disclosing the payments that were to be made, which included reinstatement for {$6100.00} and three monthly payments of {$1100.00} ( paid monthly ). PHH Mortgage Company ( XXXX ) confirmed with XXXX the amounts and agreed upon those amounts on that previously mentioned date. In good faith that the mortgage company wanted to work with me to bring my mortgage current, I signed the NCHAF Award letter, and payments by the state were made on XX/XX/XXXX ( {$6100.00} ), XX/XX/XXXX ( {$1100.00} ), XX/XX/XXXX ( {$1100.00} ), and XX/XX/XXXX ( {$1100.00} ). The amounts were confirmed by ACH numbers. As of XX/XX/XXXX, PHH Mortgage maintains that the amounts that were sent are not sufficient, and have been sent back to the state of North Carolina. The NCHAF has no record of this. I have requested PHH to communicate with NCHAF in order to rectify this matter, but they maintain that it is the NCHAF that must communicate with them instead. I have contacted PHH repeatedly by phone and email ( Phone : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) ( Email : XX/XX/XXXX, XX/XX/XXXX ) to no avail. Meanwhile, my credit report is continuing to worsen, and they are harming my credit, causing direct damage to my credit status. I can not currently pay my mortgage, because they will not accept payments in order to stop falling behind. They are harming my financial progress and are unwilling to research the problems and issues on their part to investigate why they will not honor the contract/information sent and verified by the state of North Carolina XXXX They will not allow me to bring my mortgage up to date due to a lack of progress on their part. They do not offer explanations as to why they can not communicate with NCHAF in order to clarify why they will not apply payments made to my mortgage account. They are causing severe harm to my credit and are blocking my progress to keep my home.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau Subject : Formal Complaint Regarding Experian Credit Report Errors Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in resolving an ongoing issue with my credit file maintained by Experian. Despite my repeated efforts to dispute and correct inaccuracies, Experian has failed to address my concerns adequately. As my last recourse, I am seeking the CFPBs intervention to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and the correction of my credit report. 
The errors in question pertain to my credit report under Report Number XXXX. I have taken the following steps to rectify the issue prior to reaching out to your office : 1. Disputed the errors directly with Experian I have submitted multiple disputes, providing supporting documentation to substantiate my claims.

2. Communicated with creditors I have reached out to the relevant creditors to verify the inaccuracies and have obtained confirmation regarding the incorrect information.

3. Followed up persistently Despite numerous follow-ups, Experian has either failed to correct the errors or provided inadequate responses. 
The inaccuracies on my report have significantly impacted my financial standing, and Experians failure to correct these errors is causing undue hardship. As a consumer, I have the right to accurate reporting, and Experians lack of compliance with FCRA regulations is unacceptable.

I kindly request the CFPB to investigate this matter and take the necessary actions to ensure Experian properly investigates and corrects the errors on my credit report. I am happy to provide any additional information or documentation needed to support my complaint. 
Thank you for your time and assistance. I look forward to your prompt response regarding this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX1XXXX XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be XXXX correct the information XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I contacted the company Way 2 Go debit prepaid card due to fraudulent activity that was placed on my child support account. My previous card was canceled and I was sent a new one. I was also asked to make a statement I was sent paperwork to fill out and I sent in all the transactions that had been withdrawn from the account for the amount of {$2000.00} I did not receive notice that deposits were being made to the debit card on XX/XX/XXXX. I logged in to see all transactions were being done in XXXX Tennessee. I live in XXXX, PA I reached out to the company to file a complaint. I was given paperwork to fill out and after submitting it to retrieve the funds back and I was told by the company 's representatives that their investigation department found a discrepancy in the dispute and there is no way possible to get the money back. This happened last year XX/XX/XXXX with the same company ( Way 2 Go ) and the conclusion was the same outcome I was unable to retrieve funds which was {$500.00} at that time.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported in ( MONTHS REPORTING LATE ) to be removed.

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!

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I opened a credit card account with Bank of America in XXXX of XXXX. When payment became due in XX/XX/2022, I provided them with my checking/routing account number. They claimed the payment method was setup. Instead, they returned payment two months in a row and said there was an issue with my bank. It turns out, there was no issue with my bank, but instead Bank of America reps took down my checking account/routing number incorrectly ( this occurred two months in a row ). From there they proceeded to report delinquent payments which are showing up on my credit report.
Product: Money transfers

We sent money through MoneyGram. I was told that this was a secure way of transferring money because it required them to have a photo id along with the reference number. It says this on the website and this was confirmed at the store. However, this was not the case they picked it up without me ever sending a reference number. I called and spoke with MoneyGram and told there was nothing they could do. I asked to speak with a supervisor who basically said I was out my money and all he could do was file a report. He was then very rude saying that he would just sit there on the line until I either hung up or said yes to the report.
Product: Checking or savings account

HSBC says they are closing my account and they will return my money once the account is closed, however, it's been almost 2 months since this started and still have not received my money. The bank gives me no explanation as to why they are keeping my money.
Product: Debt collection

I was reviewing my credit report and noticed that I had several collections and hard inquires that weren't mine
Product: Credit card or prepaid card

There were two cash advance checks that were charged on my CC ending in XXXX. 
The first one was for {$6000.00} on XX/XX/XXXX The Second was for {$9000.00} on XX/XX/XXXX Both checks were not written or signed by me. In fact, they were forged by my soon-to-be ex-husband XXXX XXXX. This is not my handwriting and not my signature. XXXX XXXX fraudulently applied for this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX Balance Owed : {$0.00} ; XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX CT XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 card or prepaid card

-Date/time of transaction : XX/XX/2023 XXXX XXXX XXXX -Transaction amount : {$100.00} ( pre-Auth charge ) - Prepaid debit card issuer : Coinbase I made a transaction at a gas station for {$39.00} on XX/XX/2023 XXXX XXXX pst using coinbase card, For this transaction a pre-auth charge/hold of {$100.00} was debited from my card. Pre-Authorization Hold/Charge issued by issuer bank to check if there's sufficient fund for the purchase. Typically the hold is released after 24-72 hours once the transaction is confirmed. The original transaction amount {$39.00} is already confirmed but pre-authorization charge still remains. I have raised a request with Coinbase to remove pending pre-Authorization charge/hold, they have assigned a case XXXX on XX/XX/2023. This case has been now open for 30 days, every time I followup Im being told the case is escalated but there is no resolution.