23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This complaint is regarding Citi 's dispute review process. I believe Citi has not followed their own dispute policy of resolving dispute in a timely manner. 

In XX/XX/2022, I booked a flight using my Citi XXXX XXXX. That flight later got cancelled due to the war in XXXX. I have contacted the booking agency for a refund which did not return my calls and did not answer my messages. I later disputed this charge with Citi. 

I submitted my dispute in XXXXXXXX XXXX and later called Citi to confirm my dispute was opened. They confirmed. On XX/XX/2022 I got a letter from Citi requesting evidence for my case ( which now has a number XXXX ). I emailed my evidence on XX/XX/2022, that letter included screenshots showing my cancelled flight info and my messages with the merchant that remained unanswered. 
Over the course of the next 3 months I called Citi twice to check on the status on my dispute and got the same answerit 's beeping reviewed. 
At this point my case is way outside the dispute window Citi claimed ( 30 days ) and my it remains unsolved. 

I have called Citi billing disputes again today, XX/XX/2022 and spoke with a supervisor named XXXX XXXX refused to give last name but claimed to be the only supervisor in billing disputes and provided code XXXX ), who told me that Citi has received my evidence on XX/XX/2022. I told him that the evidence was sent on XX/XX/XXXX, for which I have a record and he could not explain the gap. His best explanation was that it took a long time for my evidence to be scanned in ( mind you it was submitted electronically ), he told me that from here ( or rather from submission date ) cases take 10-12 business days to review, but could take as much as 30. 

My case remains open. 

In the documents attached to this request you can find a screenshot of my email providing requested evidence send on XX/XX/XXXX. 

There's something off about dispute process at citi, a claim submitted in XXXX should not take 8 months to be resolved. My evidence sent in XXXX being processed in XXXX, full 3 months later is odd. I kindly request Citi reviews my case an offers an explanation of the issue as well as a timely resolution.
Product: Debt collection

I Paid off acount in full to my bank account and Im trying to get off my Experian credit
Product: Mortgage

I have requested over 3 times now and since XX/XX/2022, removal of PMI based on an appraised value of my home. I am not claiming that the PMI be removed based on the BPO/evaluation done PRIOR to or during my COVID-deferral. I am requesting that PMI be removed based on an appraisal done now, today, this year. I have asked repeatedly for the next steps to initiate an appraisal- in writing and in speaking with Shellpoint CSAs who have continued to just let me know my account is 'flagged ' - another bullying scare tactic. When I ask what that means to the CSA, they say it's because the HOPA is not allowing PMI removal for my loan and it's based on XXXX for my original loan. AGAIN -- I AM NOT ASKING FOR THE ORIGINAL MORTGAGE XXXX BE CONSIDERED FOR PMI REMOVAL. I AM REQUESTING THAT AN APPRAISAL BE CONDUCTED BASED ON A SIGNIFICANT RENOVATION OF MY HOME THAT INCREASED PROPERTY VALUE, THEREBY ALSO INCREASING EQUITY. Shellpoint has FAILED to review my mortgage file when it came to them for service. FAILED to see that I had recently done a refinance to complete a SIGNIFICANT and PERMITTED HOME RENOVATION which then increase my XXXX XXXX 's value. What in this/my request are you, Shellpoint, not understanding? No matter WHO owns my note or who is the entrusted party overseeing my mortgage, or WHO my servicer is -- I have the right to make a PMI removal request based on an appraised value, and you/Shellpoint have the legal obligation to inform me of next steps to conduct that appraisal of my home. To date, and after many, many months and requests, you have refused to provide that information of next appraisal steps to me. SHAMEFUL and a delay tactic. I want you, Shellpoint, to know that I, as an American Consumer, take your lack of response and consideration very, very seriously. I expect a response to this request re next steps for PMI removal based on an appraised value.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : - XXXX || Account number : XXXX - XXXX XXXX || Account number : XXXX - XXXX || Account number : XXXX - XXXX || Account number : XXXX - XXXX XXXX || Account number : XXXX - XXXX || Account number : XXXX - XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) || Account number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) || Account number : XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) || Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX DOB : XX/XX/XXXX Re : Creditor/Debt Collector Amount Owed This letter is in regards to the disputes asking for a legal debt validation. I inquired about these accounts that is listed on my Credit Reports : XXXX XXXX XXXX XXXX {$5700.00} XXXX  {$3400.00} XXXX XXXX XXXX {$580.00} XXXX/XXXX XXXX {$660.00} XXXX XXXX/XXXX {$430.00} XXXX  {$18000.00} XXXX XXXX {$38000.00} You were unable to provide me any legal documentation proving these accounts is legally valid. How did you investigate this account without any documentation? I need this debt validated or remove all information regarding this account from my credit reports.

If this incorrect information is not removed from my credit reports within 30 days, I will file suit against your company for violating FCRA section 623. I am including a copy of this letter to my attorney.

I only wish to communicate via mail. Please do not call me.

Sincerely, XXXX XXXX XXXX Cc : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Equifax I hope this letter finds you well Regarding Removal XXXX XXXX XXXX XXXX XXXX  ) charge off Please see my complaint on XX/XX/XXXX. Your response stated that the XXXX credit card is no longer on my report and therefore it has not been investigated. XXXXXXXX XXXX XXXX XXXX XXXX XXXX is on my Equifax report. It was deleted from XXXX I had requested for the XXXX XXXX XXXX XXXX XXXX XXXX credit card to be investigated on XX/XX/XXXX and again in early XX/XX/XXXX. 
No investigation has ever been done. In fact Equifax stated that it didnt appear on my credit report it is long past due for doing the investigation and according to 15 USC not doing a reasonable investigation is a violation and the item should be promptly deleted The XXXX charge off still appears on my Equifax credit report, and I am requesting that it be deleted at once. It was deleted from my XXXX XXXX credit report and the information needs to be consistent across the reporting agencies. 
Please remove the item from my credit report to prevent me from taking further action over what appears to be an FCRA violation Please see my attachments which highlight in your letter where Equifax stated that the XXXX account was not on my credit report and then please see my Equifax credit report word absolutely is on my credit report Please also find a copy of my Social Security card and drivers license that I include on all of my correspondence Thank you XXXX XXXX XXXX
Product: Debt collection

Midland Credit Management has a collection account on my credit report in the amount of {$740.00} I do not owe this company ( Midland Credit Management XXXX any amount of money, as I have never signed a contractual agreement with Midland Credit Management. 

I have disputed this on my credit report and it has not been removed. 

This credit account needs to be completely removed from all three credit bureaus immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian posted incorrect information about an account on my report instead of deleted it when they saw the red fraud flags. The fraudulent account was reported delinquent when it was not. I asked them to delete it like the other 2 agencies did and they refused to even when they had a police identity theft report FTC report and FCC report on file, the same ones the other 2 agencies had. They listed it as a new account with collections so collections would not know what they actually did also and so Experian would not know. They did it under the pretenses of a new account and even changed the account number. This is why collections refused to close the account because the old information did not match the false /fake/fraudulent new account listed in collections. 

XXXX reported False information to Experian about an account that was purchased by XXXX XXXX XXXX XX/XX/XXXX ending in XXXX. XXXX and XXXX deleted it from my report because they noticed there was no XXXX inquiry or late payment reported until XX/XX/XXXX when the account was already paid and contract between myself and XXXX dissolved in XX/XX/XXXX. Experian refused to delete it knowing this because they said " They required XXXX to contact collections and admit they reported false information and XXXX refused to tell the truth ''. XXXX called me at work and told me that they reported to the FCC instead, that They were aware that I traded in my devices XX/XX/XXXX. This means they no longer belonged to me since XX/XX/XXXX. I asked them to delete what they falsely reported to collections in XXXX cause they claimed XXXX XXXX XXXX forgot to pay them when I traded/ported my devices bill and contract to them. XXXX reported false information to the Credit Bureau saying I owed them money From XXXX XXXX to XX/XX/XXXX In the Amount of {$1300.00} under a fake account, which was false information. They did it because they knew I was in XXXX XXXX and depended on XXXX XXXX and knowingly reported false information to collections. They told collections it was a new account when the account in question was an old account that was acquired by XXXX XXXX XXXX which they knew and admitted on the phone while I was at work. I asked them to deleted the false report under the FCDPA and they admitted that it was a false report and claimed instead they would verbalize the account as " traded in ''. I explained this to Experian and provided proof that they lied about the NEW account, and even provided an alibi and bank statements in addition to a identity theft reports from FTC and FCC and police. They instead lied and said they had to wait for XXXX to contact collections when I showed proof that XXXX and XXXX deleted it. I asked them to remove the outdated and false information and they kept lying and making excuses.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history with XXXX XXXXXXXX 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.

( CREDITOR NAME ) 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 reporting, credit repair services, or other personal consumer reports

Inquires are showing up my account that I never signed up for or applied for. I wrote XXXX, XXXX and Experian and never heard back about this issue. I have proof of my letter sent via certified mail. This is impacting my score and I never applied for anything with any of these companies. I would like these removed. 


XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX   Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX   Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX   Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Department & Variety Stores ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is a fraudulent debt that was not originated by me. I feel taken advantage of as this fraudulent account is damaging my credit reputation
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I submitted a Notice of Dispute and Request to Remove Incorrect Information from my LexisNexis Accurint Report ( XXXX ) to XXXX regarding the incorrect Employment Records that LexisNexis is reporting on my LexisNexis Accurint Report. On XX/XX/2023, I submitted a Consumer Financial Protection Bureau ( CFPB ) complaint ( XXXX Complaint # XXXX ) via the CFPB Consumer Portal regarding the incorrect Employment Records that LexisNexis is reporting on my LexisNexis Accurint Report. On XX/XX/2023, LexisNexis responded to XXXX Complaint # XXXX with an attached letter titled XXXX XXXX ( XXXX KB ). LexisNexis ' response to my complaint is insufficient. LexisNexis response states : Please note that employment, phone, address, drivers license, and property records listed on his Accurint report can not be removed from his report. Instead of correcting the incorrect information, LexisNexis attempted to claim that LexisNexis is NOT a Consumer Reporting Agency and that my LexisNexis Accurint Report is not governed by the FCRA.
Product: Credit card

On XX/XX/year> I scheduled a payment in full for the statement balance on my account. 

This was confirmed via email and is showing on their website as an on time payment. 

Today XX/XX/year> they are sending me collection emails. I am not responsible for their inability to properly account for on time payments and to debit my account by failing to act or properly maintain their website and records appropriately. 

I would like this documented and corrected.
Product: Payday loan, title loan, or personal loan

I received a loan for {$900.00}. I made 1 payment online. I went to make the 2nd payment and it said my account was closed ( it's not ) and I could not make the payment, nor was I notified I would need to mail the check earlier. I sent a check and sent them an email saying there was no way the check would get there before the due date ( Its due on the 12th and I paid it on the 10th ). Well they reported it to my credit report and and have called me at work over 20 times a day. I sent them an email telling them do not call my work, I still receive calls on both my office and my cell. I am not allowed any personal calls except for an emergency. Today, they had a sheriff drop off a note saying I am late ( which is their fault not letting me know I couldn't pay online ) which is embarrassing. I am being harassed over this payment! Now with the Covid19, I have no idea how long anything will take to be mailed!
Product: Vehicle loan or lease

I already filed a complaint with this agency under XXXX Kia Motor Financial stated that they could not find my account when you company contacted them but was able to find it when I contacted them. I hung up on them. I am frustrated with their company and practices.

As stated in my previous complaint this was my ex husband 's vehicle that I was asked to cosign on because he did not have any credit. We separated and he started missing payments then ultimately he go the car repo. I contacted Kia monthly to try to get a resolution and all they kept telling to do is pay for a car that I was not in possession of with a man with a violent history. In our divorce decree, my husband was declared responsible for paying the car note.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 5 months, Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that the Credit Reporting Agencies look into this matter as required to do so under the FCRA. If the Credit Bureaus do not comply with the terms of the FCRA I will have no choice but to file the lawsuyit that we have been preparing against the Credit Bureaus. 
XXXX XXXX XXXX XXXX : {$430.00} How many times do I have to point out that this account 's payment history is inaccurate and deceptive? I have been contesting for the removal of the late payments from this Account 's payment history in order to repair this account, but you have done nothing. Please entirely remove the past-due payments from this account. 

XXXX XXXX  XXXX Balance Owed : {$0.00} You continue to list this account as being past due despite the fact that it has been closed and has no balance. Credit Reporting must be accurate in accordance with the Fair Credit Reporting Act. How can you incur late fees on a closed account with a {$0.00} balance? I need you to entirely remove this account from my credit report or to remove the account 's history of late payments. 

XXXX XXXX XXXX XXXX : {$160.00} I can't possibly be late with this account report 's dates. I've been maintaining a separate record of payments, and their information differs from mine. Credit Reporting must be accurate in accordance with the FCRA. I ask that you either totally delete this account from my credit report or erase the late payments from the account 's payment history. 

XXXX XXXX XXXX XXXX : {$2600.00} Accounts with chargeoffs must indicate a zero balance! Since there is no question that this account is a charge-off, how could you record it with a balance of {$2600.00} if it is a charge-off? I've been asking you to clear the balance and update the account 's payment history, but you've remained silent. I'm asking that you immediately delete this account from my credit history.
Product: Credit reporting or other personal consumer reports

I summited a complaint on XX/XX/XXXX  to Experian alerting them there is identity theft information on my consumer report on the CFPB portal. The company responded on XX/XX/XXXX  stating that the investigation was complete and all of the items will be deleted. They were initially deleted but Experian put the identity theft information back on my consumer report without my consent and also without even sending me a reinsertion letter like the FCRA states you should do. That is a violation of the FCRA and also they are willfully and knowingly reporting this information which is a defamation of my character to banks. Furthermore i will also file a lawsuit against Experian for violations of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried fixing this issue since XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I use Capital One banking services and they have been the BEST yet. XXXX XXXX credit card issued a line of credit to me. They have allowed charges to be posted and had me pay for those charges. One charge was contested and credit given back. This month the charge is back and l am expected to pay for it. No less than five times since last year l have requested a card and to date l have no card with a line of credit they keep open and allow recurring charges to be made. I understand credit is their 's to extend or reject. But why keep a line of credit available with no way to access it. The only one with access is XXXX XXXX and they ok charges without ever giving me any say so, until after the fact.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$0.00} : XX/XX/XXXX, XXXX XXXX {$0.00} XX/XX/XXXX, - these account are being reported wrong!!! demand them to be removed fruad demand them to be removed XXXX XXXX {$150.00} XX/XX/XXXX, XXXX XXXX XXXX  {$130.00} XX/XX/XXXX, XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$1600.00}, XXXX XXXX  {$9700.00} XX/XX/XXXX, XXXX XXXX {$470.00} XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX {$500.00} these fraud account has affected my mental and emotional day to day living and I demand them to be removed
Product: Credit reporting or other personal consumer reports

I am entitled to request certified verifiable physical proof that i gave the consumer reporting agency my permission to furnish my information and provide the same proof that i was given the opportunity to opt out of my information being furnished by a consumer reporting agency and the agency ( Experian ) didnt provide me with any proof at all and i have the right to request proof of my permission and they are in violation of the FCRA by not providing proof and furnishing these accounts XXXX. XXXX XXXX XXXX XXXX XXXX. XXXXXX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These are all accounts that have dates that are old and affecting me obtaining credit.