23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late payment account was paid off as reflected by my proof. Equifax reported account was current and no past due. However XXXX and XXXX does not. They are not reporting accurate information such as payment status, past due and date of last payment. and date of last payment. XXXX and XXXX are in violation of the law and not reporting account in dispute their comments. 
A violation of Section 623 of the Fair Credit Reporting Act, Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.
Product: Mortgage

I had 19 years left on a 30 year mortgage with Citibank and, in XXXX, I missed a number of payments due to being out of work. I worked with a loan specialist at Citibank and informed him that I had gone back to work and would now make up for past payments. During a 5 week period in XX/XX/XXXX and XX/XX/XXXX I made 3 mortgage payments, which only left me 2 mortgage payments behind, but Citibank sent all 3 payments back to me and began foreclosure. Citibank did not lower my interest rate ( even though I asked them 3 times to lower me to the then current 3.5 % rate and change my term to 15 years, which would have raised my monthly payment less than {$15.00} but would have shortened my term by 4 years. They refused to extend those terms to me. Instead, they re-instituted my mortgage at the same interest rate along with my original loan principal balance for a 40 year period. So now, I am paying off the same exact balance as my original loan amount ( {$70000.00} ) over a 40 year term at the same rate ( 7 % ). I owed them my payment for 19 more years and somehow they added an extra 21 years to the term of my mortgage. They did not lower my interest rate nor did they forgive any of the principal balance. In other words, instead of making my mortgage easier to pay, they made it more difficult to pay by adding an extra 21 years to the term of my loan. As it was, I was going to pay {$160000.00} to repay the original mortgage I agreed to, and I have no issue with that, however, Citibank added an extra 21 years to my mortgage which will require me to pay an additional {$110000.00} for my mortgage - and that, I did not agree to. So, all told, I now will have to pay {$280000.00} for a 30 year mortgage at 7 %. And this is on top of the fact that I was working with a mortgage specialist and, as of XX/XX/XXXX, had they accepted my 3 mortgage payments, I would have only been 2 mortgage payments behind which I would have gotten caught up with by XX/XX/XXXX. Had Citibank accepted my payments, I would now have just 15 years left on my mortgage at {$780.00} per month but instead, I now have 37 years left at {$780.00} per month. After they " modified '' my loan terms, they sold my loan to XXXX. My belief is that Citibank probably did this with XXXX borrowers, and falsely pumped up the value of the loans and then sold them to another financial institution. If that 's what is allowed in the world of high finance then it is what it is, however, I owed 19 years on my mortgage at 7 % and now I owe 37 years at 7 % - with the same exact principal balance I had on the original mortgage I assumed when I purchased the house. Something seems very wrong here and I am asking for your assistance in rectifying this matter. I have all my paperwork right back to the closing documents. I figured it would be easier for you to tell me what it is you need from me rather than me just sending you all kinds of paperwork that you may not need. I thank you sincerely for your help in this regard.
Product: Credit reporting or other personal consumer reports

Subject : Re : Complaint Regarding Denial of Credit Report Access Dear Consumer Financial Protection Bureau, I appreciate your time and effort in handling my complaint regarding the inability to access my credit reports from Experian and Equifax. However, I am disappointed that the responses provided by the credit bureaus did not address my primary concernmy repeated inability to obtain my credit report as mandated under the Fair Credit Reporting Act ( FCRA ). 

The responses I received from Equifax and Experian only confirmed the accuracy of my personal information but failed to resolve the issue of why I was denied access to my credit report multiple times. Despite following all proper procedures and verifying my identity, I was still unable to retrieve my credit report, and neither company provided a clear resolution or alternative steps to rectify this matter. 

I respectfully request further review of this issue to ensure that my rights under the FCRA are upheld. Access to my credit report is essential for managing my financial health, and the continued denial without justification is unacceptable. Please advise on any further actions I can take to escalate this matter and ensure compliance from Experian and Equifax. 

Thank you for your assistance. I look forward to your response. 

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

XXXX XXXX XXXXXXXX has unpaid debt amount that I dont owe on my credit report. Which is a negative mark on my credit and is violation to the fair credit reporting act. They refuse to remove this negative remark off my credit and refuse to show validation of evidence that this debt belongs to me when it doesnt. I have sent a letter to early warning and XXXX XXXX  XXXX themselves asking for this negative mark to be removed that I dont owe.
Product: Mortgage

Our property taxes have STILL not been paid out by our escrow despite a previous complaint that I filed in XX/XX/XXXX. They took money out of our account and paid to the wrong tax parcel ID. I spoke to them about this over the phone and they told me on Monday that it was fixed however we still have a pending bill with our county showing we still owe. I need this rectified as soon as possible as taxes are due XX/XX/XXXX.
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. 
Account name : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX has violated my rights. 
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.

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.
Product: Credit reporting or other personal consumer reports

I have summitted several disputes to all 3 major credit reporting bureaus ( Experian/XXXX ) in regards to my XXXX account and the numerous inconsistencies and discrepancies reported on this account by all 3 bureaus. I have requested verification and validity of the these reports, including method of verification of account and all I've received are notifications stating the account has either been updated or verified as accurate. To date XXXX reports a high balance of {$2100.00}. Experian is reporting a high balance of {$0.00}. XXXX is reporting a high balance of {$3000.00}. XXXX is reporting date of last activity as XX/XX/XXXX. Experian is reporting date of last activity as XX/XX/XXXXXXXX XXXXXXXX is reporting date of last activity as XX/XX/XXXXXXXX XXXXXXXX is reporting this account is STILL OPEN!! but its charged off???? XXXX and Experian are reporting date of last payment as XX/XX/XXXXXXXX XXXXXXXX is reporting date of last payment as XX/XX/XXXXXXXX XXXXXXXX reports no payment history at all. How is this account charged off if its reporting OPEN? If the bureaus are reporting " accurate '' and " verified '' information, why are there so many inconsistencies? If one creditor is reporting this information to them, why is all the information different? I am entitled to a fair and accurate credit report. Credit reporting is life changing and for the bureaus to fail to acknowledge or recognize the blatant and inaccurate reporting and tell me its verified information blows my mind. I demand an investigation onto this matter and a complete reporting on method of verification OR complete deletion of this account from my credit file.
Product: Debt collection

I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate accounts on my credit reports reported by Cavalry Portfolio Services Collection for account number XXXX by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and to XXXX. To date, I have not received any compliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. This account does not belong to me. I have no knowledge of this account. Unauthorized opened account. To date, Cavalry Portfolio Services collection is reporting false information to my credit bureaus.
Product: Checking or savings account

My husband and I have been planning to change banks. We set up accounts with Navy Federal Credit Union a few months ago, but had not yet moved everything into the accounts. We were planning to use one account only funds for a rental property, one that was leased a few days ago. I used mobile deposit to submit the two deposit checks received from the renters. I got immediate notification of a two day hold, which I had expected. 

After I could see the funds were released and showing in the account ( Wednesday night ), on Thursday morning I set up bill pay to pay several bills associated with the property.

This morning, I attempted to log on to double check that everything had gone well. Instead, I got a notification that I could not access my account, and should call the customer service number.

Once I got to a rep*, I was asked about my two deposits. I explained they were from two young CPAs renting my property, both with credit ratings over 750. She seemed dubious about this, stated they were suspicious, and told me that there would continue to be a five day hold, and that perhaps  my funds would be released then. 

I am an educated professional, and certainly understand funds being on hold. However, there are several irregularities about this that were inappropriate. 

1. I was told there was to be a two day hold. The funds then showed as available, and only after that was a five day hold imposed. This is disruptive to my money management plans.

2. I was not notified of the change in the duration of the hold. There was no email, no phone call. The rep insisted that there must have been, but that I had " misplaced '' it in my email junk file - but then she could not find an outgoing email to me, either, saying perhaps it had been sent by a different branch of her company - which sounded neither nor plausible nor truthful.

3. The bank refuses to even allow me to SEE my accounts or funds online. That part of the interface with the bank is entirely shut down, and she stated that this is deliberate and bank policy, " to protect me. '' When funds have been " held '' in the past by other institutions, I have NEVER been denied access to my own financial information.

4. When I attempted to speak to a supervisor to get to someone authorized to correct what is obviously a series of mistakes, she indicated no one was available. I still have not received a call back. 

*the representatives name was XXXX XXXX and she refused to give me either her last name nor an identification number within Navy Federal . However, our phone call occurred at approximately XXXX Pacific time on XXXX. 
"
Product: Credit card

I am going through Financial Hardship I called Revvi to see what programs they had. They transferred me to their Program Company which is XXXX XXXX XXXX I submitted my application around XXXX they applied a payment for me on the XXXX of XXXX, and that they will send forms out for me to have sign by XXXX XXXX XXXX I sent in the forms that was requested of me they sent a letter to me on XX/XX/year> saying I was approved and they had applied {$41.00} towards my account. Then I had received another letter on XX/XX/year> that I was approved and that {$310.00} was applied also. 

I ended up receiving my bill in the mail that said I owe like {$490.00} so I called Revvi like a few times of around the time I received my letter from XXXX XXXX XXXX. 

They said they did not see anything posted, and this was to collect a debt, told them I was on the program that they referred me to and told me I have to call them. They transferred me to them and spoke with them, they said payments was applied but they can not see my account on their system and I have to call them back. 

I did call them back later on that day and the next day same thing. To call them I asked if they could call they so no they could not so I asked to speak with a manager they connected me, forgot to get his name. He said nothing was applied we went back and forth. 

I checked back again on XX/XX/year> I spoke with an agent name XXXX she told me that day that my account was charged off XX/XX/year>. I said what you all referred me to you all program which they had made several payments to my account. Was told I could submit my information to them by mail or email. 

I have submitted my complaint with XXXX XXXX XXXX which is under review.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX was fraud and needs to be removed from all my credit reports. 
XXXX XXXX XXXX was part of my fraud case and needs to be removed from all my accounts
Product: Checking or savings account

XX/XX/XXXX - At XXXX I received a call from a number that matches the Chase Bank Branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX The call was a phishing scam perpetrated by someone claiming to be a Chase representative. The caller asked me to verify if I had made a purchase with my debit card at a XXXX XXXX in XXXX, AZ which I promptly denied. I was then asked to verify my card information, not knowing that this was a scam, and my card information was leaked to the caller. I go to check my accounts on the Chase app to find that multiple ATM withdrawals were being made immediately after the phishing call ended at the Chase branch at XXXX XXXX XXXX XXXX, XXXX XXXX, IL. In total, XXXX separate withdrawals were completed of varying amounts totaling {$1400.00}. Why was this not flagged as abnormal financial behavior? I froze my card, called Chase and was able to file a claim to have these funds reimbursed upon further investigation. I received a new debit card. 

XX/XX/XXXX - I received a letter in the mail from Chase saying that after their investigation it was found that these transactions supposedly were authorized by me, and the claim was denied. This is utterly false. I was then sent chasing after various Chase representatives on the phone who were unable to provide adequate information about how to proceed with appealing the claim. Nor was I able to access any higher-ups. I was simply told I needed to providing supporting documentation to my case without any indication of what type of information I should seek to provide. 

XX/XX/XXXX - I met with a representative at the XXXX XXXX XXXX branch in XXXX XXXX, IL in the morning. The representative called claims to see what could be done. Since I " willingly '' leaked the information, nothing could be done as per the funds being reimbursed. Furthermore, it was stated by claims that only half of the ATM withdrawals were included in the claims which is indicative of the carelessness of whoever filed the original claim since I explicitly stated each transaction that was to be included in the claim. A complaint was filed with Chase, and I await to speak with corporate to open a new case. This is extremely disappointing as a Chase customer and I feel unprotected as a result.
Product: Credit card or prepaid card

XX/XX/23, amount {$1400.00} Quickly called card company when I got an email about a purchase. While on the phone, another transaction was trying to go through, so they closed the account and blocked the order going through. My fraud claim was denied because it shows it was delivered, but when checking with XXXX package was not delivered to my house and was signed by a person who I do not know or live with. I have sent it proof of where package was delivered, who it was signed for, and a screen shot of someone trying to access my account, claim still denied. Item was also bought, shipped, and delivered on the same day.
Product: Credit card or prepaid card

{$3.00} charge every month of XXXX ( monthly fee )
Product: Credit reporting

I contacted and submitted a dispute validation letter to Experian and BY LAW Experian must receive the original document from the company i am disputing to validate the debt. And if it is not validated by Experian, even if the creditor does not delete it, Experian must delete it. They told me they are not requesting documents. The guy told me if the creditor replies back and says its validated, they will not remove it. THEY ARE NOT FOLLOWING THE LAW. Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditor 's documentation ( whatever you filled out and signed upon opening the account with the reporting creditor ). They are leaving it up to these scam collection agencies to validate the debt. I asked to speak to a Supervisor and he refused to let me speak to XXXX. He placed me on a long hold and said he was letting me speak to a supervisor but sent me to a voicemail. I called back and this girl also refused to let me speak to a supervisor. She placed me on hold, came back and she said the manager said she already spoke to me and said contact the creditor!!!!!!!!! i told her i did not speak to anyone, she placed me on hold and said, my manager has left and she can schedule a call back. She said her name was XXXX and her team name was XXXX. i am so disgusted with Experian. and they are suppose to be a Government Agency! I want the letter I sent to Experian, lawfully and correctly handled.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX # XXXX. 
This account has violated my rights according to FCRA rules and regulations. 
A Chargeoff means that the debt has been charged off and the company XXXX XXXX XXXX XXXX ) has used this debt as a tax write off. Which makes this taxable income. And income is not reported to a consumer report ; According to : 15 U.S Code 1681a - Definitions ; rules of constructions ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the TERM consumer report does not include- ( A ) subject to section 1681s- 3 of this Title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Secondly, when a debt is charged off. The Company that charged the debt off must send a 1099c to the consumer. XXXX XXXX XXXX, did not. This is clearly a violation of my rights.
Product: Checking or savings account

Citibank checking account was opened XX/XX/2018 under the " Earn {$300.00} when you open a new checking account '' promotion. The terms of the promotion are to " make a deposit of {$15000.00} in new-to-Citibank funds '' and " maintain a minimum balance of {$15000.00} for sixty ( 60 ) consecutive calendar days ''. The account was funded with {$15000.00} XX/XX/2018 at XXXX PT as shown on the deposit receipt. The terms of this promotion were met, however, the promotion was not credited as promised.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Report 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, has violated my rights. 

15 U.S.C 1681 section 604 A Section 2 States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 section 602 A also states I have a right to privacy.

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.

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.
Product: Credit reporting or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE BEEN TRYING TO REMOE THE FRAUDULENT ACCOUNT FROM MY EQUIFAX CREDIT REPORT. I HAVE REQUESTED FOR EQUIFAX TO PROVIDE PROOF THAT THIS ACCOUNT REALLY BELONGS TO ME, I NEVER REQUESTED FOR THIS ACCOUNT TO BE OPENED, I NEVER PAID FOR THIS ACCOUNT, AT LEAST IT NEVER CAME FROM A BANK ACCOUNT WHICH TRULY BELONGS TO ME. I HAVE BEEN SENDING MY IDENTIT THEFT REPORT TO EQUIFAX TO REMVOE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. SOMEONE STOLE MY PERSONAL INFORMATION AND GOT A LOAN FROM XXXX XXXX XXXX, THIS WAS NOT ME.
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$24000.00}
Product: Credit reporting or other personal consumer reports

XX/XX/year> To It May Concern, I am disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title V Section 61 1, Subsection A-I ) , please provide names and business addresses or each individual with whom you verified the above, so that I may Follow up. 
Please forward me an updated credit report after you have completed your Investigation and corrections Your cooperation prompt attention is greatly appreciated