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

XXXX sold my XXXX XXXX credit card account to Citibank around XX/XX/2018. I tried to log into the old XXXX account to get credit card statements from XX/XX/2018 - XX/XX/2018. They are not available anymore. I logged into the new account with Citibank and they are unable to provide statements from previous months when the account was owned by XXXX. I called Citibank on XX/XX/XXXX and requested statements. They informed me they had to request them from XXXX and this would take 7-10 days, I never received anything. I called on XX/XX/XXXX and requested them again and was advised it would be an additional 7 to 10 days, I never received them. I called Citibank on XX/XX/XXXX and was told to call XXXX. I called XXXX and they said Citibank has a procedure they have to follow to request statements. I advised that they had requested them twice and have not received them. XXXX told me to call Citibank and tell the to request the statements. I called XX/XX/XXXX and spent the better part of 3 hours on the phone with XXXX and Citibank simultaneously each stating the other is responsible to get the statements to me. Citibank advised XXXX that they did not receive old statements that they have to request them and XXXX said they don't have them anymore. Citibank told XXXX they were required to keep the statement for 7 years. XXXX told Citibank that they would have to request the statements. Citibank advised they had twice and still haven't received them. Once Citibank receives them, they can then forward to me. Citibank called me back on XX/XX/XXXX and said someone was looking into this problem but it would probably be another 8 weeks. In this day and age I'm pretty sure someone could push a button and get me copies of old statements. I have two separate accounts with XXXX. XXXX and this is happening on both accounts. I have requested and have not received statements yet they want me to continue to pay my bill. The second account we have is in my husbands name, however, there is only space for one credit card number on this complaint. I have listed him as an additional card holder. If you need his card number please let me know and I can forward it to you. I was trying to only do one compliant instead of two, one for each account.
Product: Credit card

I am writing to formally file a complaint against Elan Financial Services regarding a highly disproportionate interest charge on my credit card account for the billing cycle ending on XX/XX/year>. I believe the interest charged is incorrect and unfair, and I am seeing your assistance in resolving this issue. In the most recent statement, I was charged XXXX in interest on a balance of XXXX. This charge is particularly alarming because I had made payments totaling XXXX in the prior month, significantly reducing my balance. Based on my understanding, the interest should be calculated as of the statement closing date, not based on any amount that was paid down during the month. This situation has caused significant concern, as I believe this interest calculation does not reflect the actual balance carried over into the next billing cycle. I have reached out to Elan Financial Services but have not received a satisfactory resolution. I request that the Consumer Financial Protection Bureau investigate this matter and help ensure that interest is calculated fairly. Enclosed are copies of my recent statement and payment records for your reference. I appreciate your assistance and look forward to your prompt response to this complaint.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to Equifax that XXXX XXXX has fraudulent charges on my account from when my identity was stolen and this was reported to XXXX XXXX over a couple of months ago and they still have not removed the charges and also did not verify the charges. I have also reported to Equifax that XXXX XXXX is reporting the incorrect balances and charges, mainly due to fraudulent charges and incorrect payment status. XXXX XXXX is also reporting different statuses on all of the credit agencies. I would like for Equifax to remove the XXXX XXXX account from my credit file.
Product: Credit card

A " Current '' credit card was opened without my knowledge and I was sent a card in the mail. The last 4 digits of the card number is XXXX. I called the company to say it was fraudulent. They wanted me to give them my birthdate in order to access the information, but I would not give it them. I asked how it was opened as I have a credit freeze on my information, but they would not tell me how or who opened it. It was a sketchy call, but they indicated that they would close the account. It still shows open on the XXXX credit bureau. Current shows up under " other '', so they are not a regular card.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving the email notice to complete my registration for the Equifax data breach to have free credit monitoring, the link opens a page that says it can not load. Upon refreshing the screen, a TrustediD screen appears that says my answers were not correct and to wait 24 hours to try again. This continues to happen as if it will always indicate answers I have not even started giving yet are incorrect, until the end of the registration period at which time I expect that I will be denied the coverage because I did not finish the verification process. Attempts to call Equifax, regardless of the time of day, receives a recording saying they are too busy and to call back. It appears to me that Equifax is not actually interesting in correcting or helping protect against identity fraud after their data breach error.
Product: Credit reporting or other personal consumer reports

( ORIGINAL COMPLAINT ) XXXX XXXX XXXX : Account # XXXX. XXXX XXXX XXXX engaged in deceptive practices when I deposited money to make a credit card payment into their financial institution and received a receipt. XXXX however, decided despite the payment receipt and me depositing the money for the purpose of the credit card payment, that they would apply this payment to another account. This in turned caused a late payment on this account. In subsequent phone conversations, XXXX representatives assured me that this would be corrected. It has not, and as such, I am demanding that this missed payment be removed. I have attached a bank statement showing the deposit made into the account. The day after a deposit was made to the cc, the financial institution transferred the money to two separate loans. NONE of the accounts were more than 30 days. The institution caused the late payment. I have attached both my bank & credit card statements ( highlighted ) with the deposit made & paid. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting 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 seven years. 

( FOLLOW-UP ) The company has not corrected the issues to date, even after sending a letter stating that they would. I have called for months to no avail. The responsible department does not call or follow-up. The representatives state that the department only responds to emails and does not take calls. Well, they do not return internal email requests or calls either. This is an unfair practice to consumers! This negatively impacts consumer credit reports and time. I am attaching the letter received from the credit union. I would like my report to be corrected and XXXX investigated for deceptive practices and for violations of federal law. Regulatory action should be taken against them! XX/XX/2022 spoke with XXXX XXXX, she stated that she is filing a complaint and submitting to her supervisor, but nothing is done!
Product: Checking or savings account

5/3 Bank did not reverse fraudulent charges. 
Fraudulent charges were not reversed for my son 's checking account after his card was stolen. Instead of resolving the issue they have sent the balance to collections. I have requested information regarding this account per their instructions and have not received any information at all. I was told that all information would be handled through the dispute email but never received a response and was never contacted back about the issue. Now instead of working to resolve the issue they have damaged my son 's credit score by sending this to collections without ever once contacting us to resolve it. 

So we were a victim first of malicious activity and then instead of helping us the bank made it worse for us by refusing to investigate the fraud properly. 

My son had {$230.00} in his account and after fraudulent activity they said he owes them {$4200.00}. 

Also it is unclear how every time i deposit a check into an account it is held for some time but when a fraudulent check is deposited into an account from an ATM for {$4500.00} it is not held at all and then the thief made purchases at 4 different XXXX  in the same day for {$900.00} plus a {$500.00} ATM withdraw.
Product: Credit card or prepaid card

I have a XXXX 's XXXX. They went out of business at least in the XXXX, Kansas area about 4 years ago. I have been faithfully making my payments every month like clock work for over 7 years. Been paying my balance I had when the store closed since, Today I go to pay my bill due on the XXXX of every month and it said there was a power outage, It instructed me to go to another way of paying, that didn't work. Can't contact them because apparently the power outage has affected their phones too. Now XXXX Bank if you are late takes the whole payment amount and uses it for late fees and interest. If this happens to me I will be upset because I can not access the site to pay..
Product: Credit reporting, credit repair services, or other personal consumer reports

As per FCRA : Courts do not furnish Bankruptcy information to CRAs directly..nor do Filing Attorneys.. 

So they must be put on the Reports by the CRAs from public record without authorization from the Consumer, Courts, or the Filing Attorneys. 

With that truth..then are CRAs only able to report information/creditors to a consumers report ONLY if it is furnished to them directly from the creditor/furnisher? In this case : Courts and or Filing Attorneys. 

If TRUE..then my Chapter XXXX will be removed now. Although we are approaching the 10 year mark..it was not DIRECTLY furnished to the CRAs for reporting.
Product: Mortgage

When purchased our home in XX/XX/XXXX XXXX XXXX with Finance of America ( NMLS # XXXX ) estimated our property taxes for a XXXX loan, the problem is our loan was for XXXX. The taxes and insurance were included in the loan so that we wouldn't have any major lump sums due. Because of XXXX XXXX error we now owe our mortgage company {$1700.00} and we owe XXXX county {$1800.00}. Our Payment went from XXXX to XXXX, and we have to get on a payment plan with the county. XXXX XXXX error was missed when we refinanced, so I'm not sure if the new mortgage company is also at fault as they used the figures from our old loan to figure our payment. If the loan had been figured properly from the start, we would have passed on this home and found something with a smaller payment.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that Experian didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S code 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act and the federally protected rights it provides the following accounts are listing improper late payments on my credit report. I have also attached a court order upholding my responsibilities to the following accounts. 

XXXX XXXX XXXX - Account # XXXX Late Payment reporting on XX/XX/XXXX XXXX XXXX Account # XXXX Late Payment reporting on XX/XX/XXXX 15 U.S.C 1681B - Permissable Purposes of Consumer Reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

15 U.S.C 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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C section 604 A ( 2 ). States a consumer reporting agency can not furnish without my written instructions.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a dispute with Experian 3 different times, the most recent being on XX/XX/XXXX. I specifically told them I had documentation showing that I should have never been reported to XXXX XXXX XXXX XXXX. However, even before Experian or the collection agency had a chance to look at it, Experian would close the dispute stating that nothing had changed. 

The written agreement ( which I will attach ) between myself and XXXX XXXX XXXX stated that I could break my lease on XX/XX/XXXX as long as I was out by the XXXX and I was not getting my security deposit back. 

I was not getting evicted and I was not supposed to get charged any other expenses. 

This needs to get resolved as it is affecting everything in my life.
Product: Credit reporting, credit repair services, 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 3 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 XXXXXXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$1700.00}
Product: Credit reporting or other personal consumer reports

XXXX, Transunion and XXXX they doesnt wan na recibe my letters Ive sending a tong of letter and they doesnt accept it they dont wan na update my credit a lot information on my credit report is wrong or belong to someone else and they dont wan na do nothing about
Product: Credit card or prepaid card

Citi is showing that I made a charge on XXXX in the amount of {$270.00} at XXXX. I've disputed the charge to no avail ; they say that the chip on my card was used. I've told them that even the merchant ( XXXX ) doesn't show in their Point of Sale system evidence of my card being used ; I've provided my correspondence with XXXX to them. I've called multiple times and had the dispute re-opened at least twice. No one ever reaches out to me in follow ; instead, I am always the one having to follow up. Finally, a few weeks after this happened, they closed my account and had to reissue my credit card ... so they obviously know my old credit card number was compromised!
Product: Checking or savings account

I have had a Citibank savings account for several months. I attempted to withdraw funds and was instructed that in order to do so I had to open a checking account which had fees associated with it. After I did that, I was told I could then withdraw the funds that I needed. Upon attempting to do so, I was told that I needed to call in because there was a problem with the transfer. After calling in I spent an hour on the phone being transferred around and answering questions, at the end of this process I was told the account could not be verified and the funds would not be transferred, essentially that I was not able to access my money. I was also told I could visit a branch location, most of which are closed, the nearest of which is 6 hours plus away from my home.
Product: Credit card

i requested that my monthly statement be ebilled so I am not charged a new instituted monthly statement mailing fee. they said they can not make the change to ebill to avoid the fee ... because the account is closed ... which i did to avoid a new 2 % monthly promo fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello as you can see I keep my credit good. Collection agencies put information that belong to me. I contacted them but they refused to listen to me and called my job. Its weird how they all did the samething. please remove this from my credit. its not mines XXXX  XXXX  Reported : XX/XX/2020 {$950.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/2020 {$780.00} Needs Attention XXXX XXXX Reported : XX/XX/2020 {$220.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/2020 {$1500.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/2020 {$1100.00} XXXX  XXXX  Reported : XX/XX/2020 {$950.00} Needs Attention XXXX  XXXX Reported : XX/XX/2020 {$55.00} Needs Attention XXXX XXXX Reported : XX/XX/2020 {$220.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/2020 {$1100.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/2020 {$1500.00} Needs Attention XXXX XXXX Reported : XX/XX/2020 {$780.00}
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I disputed an account reported by COI in the file you maintain under my Social Security number. 

I was informed in XX/XX/2018 that the item was deleted from my credit report. 

Now I have discovered that the item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. 

Please govern yourself accordingly.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ), I have the right to dispute any information on my credit report that I believe is not correct. I reserve the right to dispute any information that I deem to be inaccurate. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. 
Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the XXXX XXXX reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing. 
Below is a summary of the data in which I am challenging :