23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Citi Bank closed my credit card account back in XXXX. Even though I could no longer make any purchase, I still had a balance and kept paying it off every month until XX/XX/XXXX, when I paid off all of my balance. After that last payment, I was no longer able to log into my account, which I thought it was because I paid off all of my balance. 

Last week I decided to check my XXXX XXXX account after it was reported to me that XXXX of my other account with another bank had been closed. There at my XXXX XXXX account I saw that there was still {$91.00} to be paid to Citi Bank from I dont know what. 

I immediately called Citi Bank since I no longer had access to my account and didnt know where this charge was coming from, my credit card account had been closed since XXXX and there was no purchases to it, and I had paid off all of my balance on XX/XX/XXXX. 

Citi Bank said that there was a fee because I did not pay the interest charge. Which interest charge? From what? That account was closed by the bank back in XXXX. I was no longer making any purchases for about a year. In fact, I was just paying off my balance. 

Yet, I wasnt able to log into my account since paying off my balance and wasnt aware of any other extra charge besides the balance I had which was paid off. 

Citi Bank said that I wasnt able to log in because my account was closed. But my account was closed all the way back in XXXX and until XX/XX/XXXX, I was accessing my account normally every month to make payments. How come that happened only after paying off all of my balance? 

Why Citi Bank did not notify me via phone, mail, email or text message, as they have always notified me in the past of any activity, regarding this new charge and fee? 

Only after calling and confronting Citi Bank, the bank started to send me notifications via mail, text message and email. Why I did not receive any notification from the bank regarding that new charge and fee between XXXX and now? I am attaching screenshots I have to support my complaint here.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of XXXX bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX ( b ) ( XXXX )
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 60 days 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. 


XXXXNever 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 XXXX
Product: Checking or savings account

i sent in documents stating that the information that is being reporting is fraud to remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a text message stating that my mortgage payment for XXXX had been returned. I concurrently received a notification from my credit monitoring services that I was assessed a 30-day late mortgage payment. In response, I called and sent proof to XXXX XXXX  of that claims fallacy. I paid my XXXX mortgage on XX/XX/XXXX. At no point between XX/XX/XXXX and XX/XX/XXXX was my account insufficient for the debit of my mortgage. Additionally, there were no NSF fees or notice of a returned payment. Further, I called XXXX XXXX  on XX/XX/XXXX at XXXX Central to tell the customer service representative that my payment was made on XX/XX/XXXX, but it hadnt been withdrawn. I asked her if she saw anything in her system that indicated an error. She said no. It was an 18-minute call. Similarly, I called on XX/XX/XXXX after receiving a text message falsely stating my payment had been returned. The customer service representative told me she saw that it had been returned, but that there was no explanation as to why. She said that payments are returned for 2 reasons and insufficient funds is one of the reasons, but she didnt state the other reason. It was a 12 minute call. I called XXXX on XX/XX/XXXX and, upon their research, they confirmed that no such attempt at an ACH was initiated and no fees associated to the {$2800.00} payment was found. I want an instant removal of the 30-day late credit reporting and a reversal of any fees associated to the returned payment claim. Ive attached bank records showing daily balances between XX/XX/XXXX and XX/XX/XXXX, as well as proof that there were no NSF fees in XXXX, and that the 2 NSF fees ever assessed were in XXXX for XXXX XXXX  transactions. 

I filed a complaint with the XXXX and XXXX responded by further affirming that the payment had been returned. They did not attach proof of a returned payment and, instead, shared materials that they asserted they sent me to assist those who were having mortgage payment issues. I've sent the required information showing XXXXXXXX XXXX error and want this resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello the XXXX XXXX XXXX  account listed on my XXXX credit report was charged off in XXXX and was recently settled and paid. It is now reporting in the payment history listed on XXXX as charged off in XX/XX/XXXX when in fact it was settled and paid in XX/XX/XXXX. XXXX shows no payment history for this account and the status as paid and Equifax has it showing as account status charged off. I have the right to accurate complete XXXX percent verifiable information on my credit report per FCRA. This account is also a negative account that is more than XXXX XXXX XXXX and outdated information appearing on my report is a violation of FCRA. Please see attached copies of my XXXX Equifax and XXXX reports regarding this account. Thank you.
Product: Credit reporting

I have disputed an incorrect collection that had been submitted against me from XXXX collection for 6 months now. I had disputed it as soon as it appeared on my credit report which I was alerted by Experian. I called Experian and submitted a dispute against this collection as well as the other XXXX XXXX and XXXX. I had submitted various disputes against that collection with Experian and XXXX and both came with results that the collection belonged to me. I was not challenging the fact whether or not it belonged to me I was challenging the fact that it was a Medical bill that had gone unpaid by XXXX. I explained to all XXXX bureaus that this bill pertained to a No-Fault accident that I was involved in. I was the passenger of the vehicle that was struck from behind. The vehicle I was in was insured with XXXX and the vehicle that struck us was insured with XXXX. My motor vehicle accident took place on the afternoon of XXXX XXXX, 2014. I had made my attorney aware of the bills and submitted it to them. I also made them aware that XXXX collection was contacting me and threatening that if I didnt pay I would be sent to collection. The Representative XXXX who works with XXXX collection was really rude and when I tried explaining my situation she hung up on me. My credit report shows no late payments, my credit history is mint and everything has always paid on time. This is what I have on my side and I explained to the credit agencies that if I were responsible for this bill I would have paid the {$200.00}. But I am not. This collection has stopped me from purchasing a home and has been damaging to me and my credit history. I have tried many times to contact the credit bureaus and with no resolution. XXXX has been the only one who removed and deleted this collection off my report. My attorney has also submitted a letter notifying the collection company to hold off collection due to the fact the case is still open and pending settlement. And they continue to notify no payment/ or delinquent on my credit report. My case is still in litigation and my attorney who is representing me is seeking to schedule an examination under oath so we can finally close this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car and the loan is from Bank of America, my car was involved in an accident which the insurance company declared it as a " total loss '' but the insurance company refused to pay for my car and I kept making my monthly notes to Bank of America. I fixed the car by myself, it took me 8 months to get it done but the car is now in perfect condition. The problem started when Bank of America reported this account as a 'charged off ' even though I have never missed a single payment and always on time.
Product: Credit reporting or other personal consumer reports

Please check the information concerning the equifax below in attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has my personal information in their files. I did not give this company permission to keep my personal information in their database, I have no business with this company I am informing this company that they do not have permission to report my personal information. I have already contacted this company that my personal information needs to be deleted from their files or pay {$1000.00} per violation according to ( FCRA ) Please be aware that freezing or holding the account does not update my credit report/file.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS?

I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my credit pulled trying to buy a new car and they stated they could not loan to me as I had not made a payment to my current lender Wels Fargo since XXXX of XXXX. I have been making regular monthly payments and when I called to ask why they are not reporting the payments they could not give me an answer just a bunch or runaround and no one is actually trying to help to get the issue resolved. This has caused my credit score to go from a XXXX to a XXXX. Wells Fargo also tried to tell me I had a past due balance of {$20.00} after I had asked numerous times when making my payments, does this bring me completely current and they would say yes, only to be told I had a balance of {$20.00} due from last XXXX of XXXX. They are committing consumer fraud with what they are doing. They are showing me as a delinquent payer and I am making my regular monthly payments. They continually place me on hold or tell me they will have someone call back in regards to this issue and no one ever calls. They just make me call and waste 2 hours of my time every day trying to get a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out XX/XX/XXXX to XXXX, Trans union, and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable re-investigation to determine weather the disputed information is inaccurate and record the current status of disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 - day period beginning on the date on which the agency receives the notice of the dispute from the consumer or seller.
Product: Debt collection

I have never had gas services. I only have had water and electric utilities. Someone used my information.
Product: Credit card or prepaid card

I XXXX XXXX went threw a down fall and lost my job so I couldnt pay my cards so when I filed taxes this year I decided to pay down XXXX debt I had in credit cards I know I missed two payments on each card cause I couldnt pay I didnt have a job at the moment so I paid most of them off and they jus closed my account they told me if I paid they would be back on and it was like they made me pay capital one cards secured card and credit card they closed them immediately After recount my payments which I find very unfair if I paid them almost in full why would they close my accounts so fast can you answer my question!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several letters to the bureaus and haven't received a response yet. I received my credit report and seen incorrectly and unknown items on my credit report. It's been over 2 months since I first sent out my first letters. I feel like am being ignored of my disputes. With this taking so long with no response I demand these items be deleted immediately or I will file for litigation is due to the stress you caused me. This is taking way longer than it should. Please delete this items.
Product: Checking or savings account

XX/XX/XXXX @ XXXX XXXX, I made a deposit of {$1000.00} ( XXXX- {$20.00} ) at the inside ATM located at XXXX XXXX XXXX , XXXX XXXX , NJ - the transaction never completed correctly and I have the statement record # XXXX which clearly states this was a forced deposit record of {$100.00} instead of the {$1000.00} which I was trying to deposit and the machine did not return the {$900.00} back that it didn't deposit. I immediately called their XXXX XXXX XXXX XXXX and held on for an hour and then got disconnected, called again about XXXX XXXX - same result. XX/XX/XXXX - I called again on XX/XX/XXXX and filed a complaint I was told I would receive a provisional credit in 1-2 days while TD investigated, I checked my account again on XX/XX/XXXX and to my dismay the credit was not there so I called the above number again to be told the credit takes 7-10 days to show up and again - that never happened. I called the branch on XX/XX/XXXX and spoke to XXXX who told me " they didn't have any record of a problem with their inside ATM on XX/XX/XXXX and I would have to file a complaint '' which had already been done. The reason for my call directly to the bank on XX/XX/XXXX, because I felt I could get this matter resolved since this is where I opened all of my accounts years ago. I am greatly disappointed in how TD has handled this account without reaching out to me to find out what happened or show any concern for my additional {$900.00} getting credited to my account. I thought when whomever checked that ATM that evening or the following morning they would have seen there was an issue and would have attempted to resolve my issue but instead on XX/XX/XXXX, I received a letter from TD stating my claim was denied for the refund of {$900.00}. Note : I have also learned that TD does not give provisional credits for their ATM 's ( so it seems, I was getting the run around from the start ).
Product: Money transfer, virtual currency, or money service

I have an account with Bank of America. I tried to add an outside bank so that I can transfer money from my BOA account to my new outside bank ( XXXX XXXX ). Bank of America doesn't recognize the routing number when I enter it. Message says : The Routing Number you entered did not match any Banks within our directory. Please enter a different Routing Number. 
Routing number : XXXX
Product: Mortgage

I have written to Ocwen on two occasions pointing out they are reporting a 30 late in the Payment Status when the account shows closed with a XXXX balance. This is impossible ... .must be a key punch error. You can't be late when the account is closed with a XXXX balance. The same inaccurate information is reporting on two other accounts. See attached excerpts from the credit report and the most recent letter dispute.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my Equifax consumer report : In accordance with the XXXX XXXX XXXX. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under XXXX XXXX Section XXXX A. XXXX XXXX has the right to privacy. 

XXXX XXXX Section XXXX A Section XXXX : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts : XXXX : Account # XXXX XXXX XXXX  : Account # XXXX XXXX : Account # XXXX
Product: Credit card or prepaid card

Since XX/XX/2020 Capital One has decided to start holding funds of which I now have to call them and they call my Bank to verify funds and then they make a exception to release the funds even though they took them out 3-5days prior. 

Now I have been on the phone for over 2.5hrs as they once again holding funds typical garbage 2-3x week call this time they verified the funds but did not put all the funds in not even half stating they are going to hold the funds for a extended amount 30-90days to make sure no Fraud.

I am the Owner of the Card and use this for my XXXX XXXX and been charging 1-2k a month for over 6 months and now since this year specifically its been nothing but a nightmare holds, customer service is terrible as they dont understand and dont care.
Product: Checking or savings account

I did a purchase by phone ( airlines tickets ) and the transaction was declined. I used another card to buy the tickets and the next day the Bank approved the transaction but charged me the amount.The bank says this transaction was in person and I put my pin in for this reason, they refuse to give me my money back. I sent all the proof to the bank and they denied my claim for 3 months straight.
Product: Mortgage

My reverse mortgage was sold by Champion Mortgage to XXXX XXXX XXXX, a contractor for the US Department of Housing and Urban Development.
During this transition, my house was flooded in the Louisiana flood of XX/XX/XXXX. My flood insurance company paid the claim and the proceeds were sent to Champion Mortgage so they could make the disbursements as the work on my house was completed in stages.
The disbursements were to be made in 3 installments. I received the first 2 installments. The third installment remained with Champion until the reconstruction was completed.
The file was transferred to XXXX, but Champion claims XXXX rejected the funds and they were returned to Champion at least three times.
I am asking for assistance in locating the last flood insurance disbursement of {$20000.00} so I can pay the contractor for the work that was completed in XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX and Enhanced Recovery on multiple occasions, through several different avenues, throughout this past year in attempt to dispute the following information that appears on my Equifax or XXXX and/or XXXX XXXX report ( XXXX ) : * Date of Last Activity * Date Reported * Date Opened * Closed Date * Last Payment However, this inaccurate information is still being verified and reported by XXXX and the credit bureaus each month. The information can not be both valid and different. Each bureau is reporting different data in each category. I request the XXXX account XXXX be removed immediately from my credit report with XXXX XXXX XXXX XXXX and Equifax XXXX XXXX is in direct violation of my rights under FCRA by reporting inaccurately. 

Also when attempting to make contact in order to resolve my concern, XXXX refuses to assist and forwards me to Enhanced Recovery Company. When I contact Enhance Recovery, they inform me that XXXX is reporting to credit bureaus not ERC, therefor they can not assist with the inaccurate reporting. An ERC representative on the phone informed me they do not report data to credit agencies, they collect only and the information being provided is coming from XXXX XXXX. I have been sent back and forth between the two companies with no resolve. 

I can not verify or validate any of the information on my credit report concerning XXXX. I have contacted XXXX on several occasions but XXXX refuses to report accurately. 

I request account XXXX be deleted immediately from my credit report.
Product: Checking or savings account

On XX/XX/XXXX of XXXX when I was able to get back in my chime account my account was in the negative as I continue to look over my tractions XXXX was took from my account starting XX/XX/XXXX of XXXX until XXXX XXXX XXXX that was the last time my account was charged. XXXX XXXX XXXX XXXX are the ones who stole my purse and backpack.with all my important documents. Chime I summit documents to chime allow them to know I filed police report sent to them identity theft report sent to them on XX/XX/XXXX. On XX/XX/XXXX I was directed to the dispute department once they focus on that like spot of me using XXXX play payments after my dispute was filed ten minutes later I was told my dispute is deind I'm out XXXX I'm XXXX  and need my money back in my account