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

I mistakenly deposited a large check into my Citi credit card account instead of into my Citi checking account. ( By the way - I owe nothing to my credit card. ) This happened nearly 3 weeks ago on XX/XX/XXXX. I called CitiBank on XX/XX/XXXX and told them that I had mistakenly deposited the amount into the wrong Citi Account. I was assured that the check would be deposited into my checking account immediately. After a week, the error had not been corrected. I call back and was unable to find anyone who could explain to me why the check has not been deposited correctly. It has now been nearly 3 weeks and the bank refuses to return my money. 

This is an accounting error and Citi bank is holding a large sum of money hostage without explaining why or explaining when the money will be returned.
Product: Credit reporting or other personal consumer reports

This has been a problem every since XXXX XXXX XXXX had that data-breach recently. These accounts are not mine. Pls assist me in removing them.
Product: Credit reporting or other personal consumer reports

I am writing to formally report a violation of my consumer rights by XXXX XXXX XXXX XXXX XXXX XXXX, etc... which conducted an unauthorized inquiry on my credit report. This action contravenes my rights under the following consumer protection laws : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b Under this statute, entities are only permitted to access a consumer 's credit report with express authorization or a permissible purpose, such as an existing credit relationship or a court order. In this instance, XXXX XXXX conducted a hard inquiry without my authorization or a valid permissible purpose. 
The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692d and 1692e The FDCPA prohibits debt collectors from engaging in unfair or deceptive practices. Initiating a hard inquiry without my consent constitutes both an abusive practice and a misrepresentation of their legal rights.

Thank you for your time and attention to this matter. I look forward to your prompt assistance in resolving this violation of my rights. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information must have been compromised consider what I came across as I checked my credit file I am heartbroken to see what has become of my credit this feel like the last thing I can try to do to get this issue resolved
Product: Money transfer, virtual currency, or money service

XXXX was transfer through bitcoin never use this before another phone was long into my account also XXXX was taken from before a scam someone I never sent money to
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian are falsely reporting incorrect information on my personal credit reports. There's a list of inquiries on my credit report that was never authorized by me. These inquiries listed below was executed without my consent or knowledge. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX I called First Bankcard ( XXXX XXXX. XXXX XXXX XXXX, NE XXXX ) and spoke with XXXX. I explained there were fees on my account that needed to be reversed, that I wanted to make a payment bringing my balance to {$0.00} except for the fees that needed to be reversed and that I wanted to close my account with First Bankcard. XXXX informed me that the late fee and interest fee was corrected and that my account would be closed. He gave me a confirmation number regarding the closure of my account which was # XXXX. 
XX/XX/XXXX I receive a statement from First Bankcard and there is a {$4.00} balance on the account. I was confused because I cancelled my account over four months ago. 
On XX/XX/XXXX at XXXX I called First Bankcard ( XXXX XXXX. XXXX XXXX, XXXX, NE XXXX ) and spoke with XXXX. XXXX verified my XX/XX/XXXX phone call and was able to see the notes on my account regarding the fees, the payment and my request to close my account. I wasn't getting anywhere with XXXX so I asked to speak to someone higher in management. XXXX got on the phone and I explained the situation to her ; that I had called in over 4 months ago and requested my account to be closed. She also verified the information by reading the notes in my account. She said she would speak with XXXX and make sure he knew that he needed to follow through better and close the accounts he told customers he would close. XXXX also continued to tell me that charges come through on closed accounts all the time. It was my responsibility to pay the amount due. She said she would close my account but I would need to pay the amount due. I asked her in many different ways how in the world I was responsible for XXXX not doing his job correctly and not, in fact, closing my account as requested. I told her there would not be a charge if the account was closed, it would have been rejected. No matter how I worded it, she was NOT going to acknowledge the fact that if a credit card is closed, charges can't be made on an account that doesn't exist. However, my account was not closed like I was told it would be by a First Bankcard representative. I informed everyone I spoke to that I was recording the phone call. I do have the recording. I was not getting anywhere with XXXX either, so I asked to speak with someone higher in management than her. She guaranteed me that someone would be calling me within 48 hours of XXXX XX/XX/XXXX. 
I can not believe that this institution actually wants to hold me accountable for their employee 's careless mistake. I DO NOT believe it is my responsibility to pay for XXXX not doing his job correctly. I also think it is terrible for upper management to be so unwilling to help a customer. I believe I am owed an apology along with the minimal amount due removed from my account. I want my account closed as soon as possible. I hope that the people involved get the proper training required to deliver better customer service.
Product: Credit reporting or other personal consumer reports

This is a multiple request to remove these unathorized inquiries from my Equifax and XXXX credit report... 

EQUIFAX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When they ask you to write in details about the complaint : I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX via XXXX certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was also deleted from my XXXX and XXXX reports as well so in order to correct the inconsistencies between the XXXX, XXXX, and XXXX credit reports, the account needs to be deleted from the XXXX credit report. 

The information for this account listed on my credit report is : CREDITOR : USAA SAVINGS BANK, ACCOUNT XXXX, OPENED XX/XX/2018, BALANCE OF {$770.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported a late payment on my consumer report for XX/XX/2022. This is a violation of my rights as a federally protected consumer under 15 USC 1681a ( 2 ) ( A ) ( i ) a consumer report can not include information solely as to transactions or experiences between the consumer and the person making the report and late payments are Under 15 USC1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

On XXXX/XXXX/16 I used electronic " Bill Pay '' at my bank, XXXX XXXX XXXX XXXX, to set up my credit card payment to Bank of America, which was due on XXXX/XXXX/16. The due date, XX/XX/XXXX, was a Sunday and my bank, XXXX XXXX XXXX XXXX had XXXX & XXXX blocked out. I could not set up a payment to be paid on XXXX/XXXX/16. Therefore I set it up for Monday, XXXX/XXXX/16. Bank of America did receive the payment on XXXX/XXXX/16. However, on XX/XX/XXXX they charged me a {$25.00}. late fee and {$6.00} interest for a total of {$31.00} in fees. I did n't realize that they had charged the fees in question until Friday XXXX/XXXX/16 because I was very, very busy in prior months and did n't have time to reconcile my account. My routine, in order to avoid late fees and/or interest, was to, upon receipt of the bill from BOA go to my bank website and set up the payment to be paid on the due date for the amount of the statement balance. 
On XXXX/XXXX/16 I called BOA and was told that they could n't reverse the fees because they had done a courtesy reversal XX/XX/XXXX for a payment that was 1 day late due to some XXXX thing that happened in which the payment did n't go through. I 'm glad that I just happened to check my account online the next day and realized that the payment had n't gone through. I acted on it immediately and BOA reversed the late charge and interest. BOA states that they can only do XXXX courtesy adjustment within a year. My issue is that this should not be treated as a courtesy adjustment ; my account should be credited for the amount of the fees by a higher up person that has the authority to do that. I feel the payment they received on Monday, XXXX/XXXX/16, was a timely payment since Sunday is not a legal banking day AND I WAS N'T ABLE TO SET UP THE PAYMENT USING A SUNDAY DATE AT MY BANK, XXXX XXXX XXXX XXXX " BILL PAY '' WEBSITE, WHICH IS HOW I PAY ALL MY BILLS. SUNDAY WAS BLOCKED OUT. The rule that I remember regarding payments was that the Monday following a Sunday due date was considered timely. However, BOA rep stated that I could have called them on Sunday, the due date, and even though they would n't have received the funds until Monday the payment would have been considered timely. For XXXX thing, I 'm not accustomed to making payments via the phone. I would have had to give account number and routing number in addition to other information that I do n't like to give over the phone. And for another thing, I did n't know it would make a difference ; I thought the payment would be considered timely on that Monday. 
Ironically, I had closed this account a month earlier and just happened to catch this late charge & interest before the final payment, which is due on XXXX/XXXX/16. I had the payment scheduled at my bank website for XX/XX/XXXX since XX/XX/XXXX again is a Sunday. Of course, now that I know I can make payment over the phone on the due date I will cancel the web payment since I certainly do n't want to be faced with a repeat of this nightmare. 
I am a low income individual and these fees will really hurt if not reversed.
Product: Credit reporting or other personal consumer reports

When i reach out to these collectors to show me proof of bill they never wld send the proof I was asking for.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Product: Debt collection

FYI, there not much of a selection for the specific issue of this misrepresented matter so therefore I went with the best possible selection by selecting there should be no response to lawsuit. 

I settled a debt XXXX/XXXX/2014. The settled in full letter provided Is not sufficient according to the credit bureaus. The credit bureaus will not acknowledge the letter due to the debt collector being a third party who is representing another third party and the letter lists the original creditor as well as the full original account number. I told the collection agency, XXXX XXXX XXXX, the credit bureaus is not accepting their letter. XXXX consistent response was we never have this issue and we send letters all the time and there is no issue having the credit bureaus being updated. I 'm having an issue an no one is wanting to help. Do not tell consumers a letter proving the debt has been resolved will suffice. Very misleading and is a violation of the fdcpa. If I am telling this business the letter is not working they should make an effort to resolve the issue such as contacting the debt purchaser, who will not answer the phone, to resolve the issue. I also tried contacting the original creditor and I ca n't get any confirmation of this debt was even place with this agency and the fact XXXX is not willing to contact the bureaus or help rectify the issue is a red flag.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2023, I initiated a refinance of a home that was renovated. The lender obtain a background report and initially did not disclose the source ( TransUnion ). The report stated that I have 67 unresolved liens in GA. I never had 67 liens furthermore, I currently have zero liens. 

TRANSUNION NEVER CONTACTED ME TO LET ME KNOW THEY WERE PERFROMING A BACKGROUND CHECK NOR DID THEY AFFORD ME A MECHANISM TO DISPUTE THEIR REPORT Over the next 3 months, I pleaded with the lender for an exception and received it. However, by the time I received the payoff for the current loan, there was default interest due to the term of the loan ( which was paid on time for 16 months ) was at maturity. In order to remove the default interest and complete the refinance, I had to pay over {$12000.00}! 
To my knowledge, the only background company that has the erroneous data on me is TransUnion. My FICO is XXXX and I have plenty of assets. This erroneous background report has cost me over {$37000.00} and counting because it thwarted a refinance and forced me to pay over {$12000.00} in extension fees to maintain the current loan. The current extension is valid until XX/XX/XXXX. TransUnion and their background report that is full of errors is causing me undue stress and is financially debilitating me.
Product: Credit reporting or other personal consumer reports

* Collection Agency XXXX XXXX XXXX XXXX, XXXX Date Assigned XX/XX/2023 XX/XX/2023 {$1500.00} 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 an 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 crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and Credit inquiries was placed on my credit report without permission or me applying for credit
Product: Prepaid card

Wife recently XXXX XXXX  XX/XX/XXXX. Ive been on LOA since then. Today is XX/XX/XXXX and I still have not received my money from CA EDD which uses Money-Network as their service provider. EDD is supposed to pay me 60 % of my wage so that I can continue to live and pay for the mouths that I feed but in an entire month I havent received a single penny of my money. 

I tried contacting money network Wednesday the XXXX but was unable to get a hold of someone because I still did not have a card in the mail. When the card finally arrived Friday the XXXX, I tried activating it through their mobile app, then website, then by calling and I was unable to. The representative told me that their had been a fraud attempt and as a result they needed to close my card, issue me a check ( which takes an additional 10 business days ) and then reissue me a new card so subsequent funds could be deposited. I asked the representative if this could be escalated and if another solution could be provided as I can not wait 10 business days for my money. She said I can contact their escalations team but theyre only open regular business hours. 

On Monday XX/XX/XXXX I contacted their escalations team. They told me that I actually can not request a new card that the account itself needs to be closed and that I needed to contact EDD to request a new account. That there is no other option and that the first rep was correct in saying I have to wait 10 business days for my money. I can not believe that a government program uses this network to help people to at are in most need. People with XXXX, people that are unemployed, or people that are relying on paid family leave to help their spouse with a XXXX. 

To make matters worse when I call EDD even XXXX  in the XXXX  I very frequently get the auto message the maximum number of callers has been reached for today please try calling another day. They have no other way of contacting them other than by letter. How are we in the year 2024 and still doing things this way? 


If I contact my mortgage, my auto loan lien holder, my credit cards, they will all report on my credit that my payment is late. They dont care that Im late and will charge fees, but me as a consumer can not do anything but wait and wait for my money and these institutions have no other options to get us our money quicker. 

This is not okay and should be sued and held responsible for having such horrible solutions to getting people their money.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inaccurate account listed on my credit report that I have requested documentation for multiple times but I have failed to receive documents via mail/fax/e-mail. 

The amount the account was placed into what appears to be a Debt Collection Agency titled " XXXX '' with account # XXXX was opened in the amount of {$120.00} on XX/XX/XXXX. The account in reference has been in collections since XX/XX/XXXX in a state which I have not resided in since XXXX. 

I have failed to receive any type of documentation from the credit reporting agency as well as the creditor/original creditors in regards to the validation of this debt. I request a formal investigation into this matter and documentation mailed to me showing the original account opening including photocopies of driver 's license at the time of opening, signatures, and other vital information required to open an account.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 unauthorized Inquiries were made with using my information
Product: Debt collection

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that Transunion, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to XXXX  % or below within XXXX calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within XXXX days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than XXXX days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX