23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Complaint number XXXX about Citi Mortgage. We call over and over trying to speak with some one. Most of the time we get someone who does not even speak XXXX and we do not understand anything they are saying. We have to call back several times in a roll just to get a person we can understand. Then that person will not transfer us or even give a message to the person we are trying to reach. It is completely madding. Every email or letter we get always states we can contact them at any time. What a bold face lie that is. We spend hours trying to reach anyone that will talk to us and then never get them. At best we get to make an appointment for them to call us back and they never do. This has happened at least XXXX times that we wait for a call that never comes. Why will they not talk to us? Why will then not return calls? Why are they foreclosing on our home without even trying to talk to us?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX , NY   XXXX   DELINQU ENT REPORT ON MY CREDIT REPORT : LOAN # :  XXXX  My credit history has been greatly damaged by a business loan I took in  XXXX  for a    XXXX   XXXX   i n  XXXX , IL (   XXXX    #  XXXX  ). This loan was granted by  XXXX   XXXX   XXXX  in New York through their agent,  XXXX   XXXX   XXXX   XXXX  before it was acquired by  XXXX   XXXX   XXXX   XXXX , New York (  XXXX  #  XXXX  ).     In  XXXX , my loan officer,  XXXX   XXXX   XXXX , assured me that it would be treated as a business loan and not reported to credit agencies since my   XXXX   XXXX   was used as collateral. In  XXXX , balloon notice came and I requested for refinancing and modification of the loan,  XXXX   XXXX  agreed to work out the details of refinancing and modification. During this process, I kept making timely payments and never defaulted.      XXXX   XXXX  started reporting it to the credit bureaus as a delinquent loan while still collecting payment and working on the process of finalizing refinancing and modification terms and agreement ; it also failed to report m y 3-year his tory of timely payment to the credit agencies. Also, it is noted on my credit report that I had missed payments when in fact I had maintaine d 100  % record of timely payment. I wrote letters to  XXXX   XXXX  requesting that it should stop reporting this loan as delinquent because it was hurting my credit history and the loan office,  XXXX   XXXX , wrote back to me assuring that it would be taken care of once after the loan was refinanced and approved.     In  XXXX , this loan was approved by  XXXX   XXXX  and  Im  still making on-time payments on this loan as agreed. I wrote back to  XXXX   XXXX  requesting that it should help me expunge those delinquent records from my credit history and my requests were denied by the l oan officer. I con tacted credit bureaus and they told me that it was up to  XXXX   XXXX  to either demand for expungemnt or accept no contest in order for them to accept my request to delete those records from my credit history.     This reporting has severely impacted my credit history and made it impossible to get any loan. This has made impossible for me to get a car loan for change of equipment which is due at the end of this month.     Please I would appreciate if you could help me in resolving this case. I have all the necessary paperwork for your perusal.     Sincerely,  XXXX   XXXX  Ph: XXXX    Fax: XXXX      XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported the same account twice on my credit report. 

XXXX XXXX added the second account with the same account number a year after the account was closed. 

I have uploaded a copy of my TransUnion Report showing the same account listed twice. I have also uploaded the letter I have sent to XXXX XXXX. 

I have called XXXX XXXX to explain the situation many times since this error was reported. I was only able to reach someone twice by phone. Both times I was spoken to rudely with aggression from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My FICO score went from XXXX to XXXX with Experian with no new negatives being reported from Experian or FICO. I contacted both agencies and no one could give me a reason for the drop. 

Also XX/XX/XXXX I filed a dispute Im regards to the number of days an account was reported late and it has yet to be resolved. This is the third time I have disputed this item.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting 8 student loans that I do not recall making from them as the borrower or giving my permission to service. All of my federal student loans were made through XXXX XXXX. XXXX XXXX is reporting the loans as having been last for four months in 2017. I was a student during the periods that they are reporting late payments. My other student loans are reporting as in good standing during the same months reported by XXXX because my federal student loans were in in-school deferment. I consolidated all of my student loans. The XXXX account has been closed for several years. My complaint is that ( 1 ) XXXX is reporting a total of 36 late payment to the credit bureaus and, when I asked them to send me a copy of the contracts, promissory notes, or any other documentation that defines the actual loans made, for what school, and when, they sent me a short ledger page that had no discernable information on the loans themselves or how XXXX came to service them. Reporting 36 late payments on my account that I challenge requires XXXX to produce those documents upon my dispute. Moreover, since the loans were consolidated under a federal program, I am entitled to accounting so that I can check XXXX ' information against the individual loans in my consolidation account. Sending me a generic printout of something purported to be a balance sheet without supporting documentation is a clear violation of the FCRA and demonstrates a reckless disregard for the impact that their 36 late payment allegations have on my credit and potential debt obligation for loans that I did not take out from them.
Product: Checking or savings account

I had an account with Wells Fargo in 2012, after awhile they started charging fees of oddball amounts that were never on the same date every month, which in turn caused my account to overdraft multiple times. I had talked to someone at the bank in person and they did nothing about it, told me that they were fees for holding that account even though it was suppose to be free checking. I was not included in the settlement and I should have been.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX
Product: Credit card or prepaid card

Last year I purchased a XXXX holder from a company in XXXX who bills through XXXX. 

They shipped XXXX that didn't fit my phone. They have a no questions return policy on their web site. I tried contacting them XXXX times and they did not respond. 
I filed a dispute with the credit card company Citi and they reversed it out. {$29.00}. 

About a month later the merchant replied to the credit card company that they would ship sometime in the future. 

The Credit card company said that unless I replied by snail mail and attested that I had not received the merchandise ( note the merchant already acknowledged that ) that they would close the dispute. 

They closed the dispute and 30 days later I still have not gotten the merchandise. 

It seems to me that for something this simple XXXX XXXX has worked very hard to make disputing a charge VERY time consuming and difficult. 

I tried to use their web site but was blocked at every turn. Their " live chat '' is a bot. When I described my problem it gave me a link to my statement page.
Product: Credit card or prepaid card

On XX/XX/XXXX, I wrote a letter, from my location at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( where I was XXXX ), to US BANK / ELAN FINANCIAL SERVICES ( see attached letter ) requesting copies of my statements from XX/XX/XXXX on, as I had been incarcerated since XX/XX/XXXX and upon reviewing my Credit Report, I discovered past due amounts that could only be fraudulent purchases that I did not make, as I was XXXX during this time. ELAN FINANCIAL SERVICES never sent me, or my attorneys XXXX, XXXX XXXX XXXXXXXX, the requested Credit Card Statements for my review and therefore, I was not allowed an opportunity to review these charges and dispute, accordingly, or was provided insight into the fraud that was perpetrated against me to better glean as to what was purchased and where it was purchased by these perpetrators to aide in my recovery of overall life savings, etc. ELAN FINANCIAL SERVICES did not reply to my request for account statements within the 30 days required for a response, on either request of XX/XX/XXXX, or XX/XX/XXXX, therefore they have not acted within the requirements under the FAIR CREDIT REPORTING ACT ( FCRA ), and are therefore in violation of the FCRA. I never even received a notice from ELAN FINANCIAL SERVICES of any kind, period. Further, I wrote additional request letters to Also, please note that I promptly notified the FBI and informed them of these crimes and others committed against me within the attached letter to XXXX XXXX XXXXXXXX XXXX of the XXXX XXXX XXXX XXXX in XXXX, New Mexico on XX/XX/XXXX. Additionally, I have attached the XXXX XXXX First Judicial Civil Court filings against those who perpetrated completed financial and identity theft and fraud against my person, while I was XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX
Product: Student loan

Hi there, I 'm a XXXX employee enrolled in the XXXX ( XXXX ) through FedLoan Servicing ; the plan in which after XXXX payments the remainder of the loan will be forgiven. Once again, FedLoan Servicing has incorrectly placed my loans into the wrong plan and provided contradictory information. 

I keep a spreadsheet with the date and name of the person I 'm speaking to, along with their guidance - for the past 3 years. Nearly each time, the instructions contradicted the prior call instructions. The customer representative herself/himself is usually professional and courteous. I follow their instructions, and that 's where things fall apart. 

In the latest incident, on XX/XX/XXXX, I was advised that the newly rolled out REPAYE program would offer the lowest monthly payment while maintaining eligibility for the PSLF. I asked her this question twice, because it 's very important that I stay on the program in order to reach the XXXX payment requirement. She confirmed the change would not affect the PSLF ( other than losing XXXX months of payment credit while in forbearance during the change ). When I asked if I should choose the REPAYE option, the rep replied no and advised I check the box entitled " I want the income-driven repayment plan with the lowest monthly payment '' which would result in the REPAYE option anyways, since based on her calculations, that would be the lowest monthly payment. And so I requested my loans be moved from the XXXX with a payment of $ XXXX. 

I just received noticed that my loans were moved to the XXXX XXXX XXXX which is XXXX ) not eligible for the XXXX, meaning none of my payments would count towards the program and XXXX ) my monthly payment would now be {$1000.00}. Needless to say, while I should n't be surprised since this is what I 've been dealing with since enrollment into the program ( which took over XXXX months to process ) over the last XXXX years, it alarms me that this clearly unqualified loan servicer continues to manage XXXX of the country 's largest student loan program. Now I sit and wait until Monday, because they 're not open on weekends, and worry that it will take another XXXX months for this to be corrected while I pay an amount nearly XXXX % higher than my previous payment and XXXX another XXXX months of credit towards the XXXX credit required in the PSLF. The worst part is, even after recapping the original request and discrepancy to the person on the other end of the phone on Monday, I will have no idea if what they tell me this time will be the right answer because each time I call it 's a different answer. I have several other examples, should that help. 

Strongly request FedLoan Servicing be considered for a review for negligence, clearly no fiduciary duty, and at this point, predatory practices given the compounding interest and fees they 've received driven by these activities. 

I thank you for all of your hard work and efforts towards protecting consumers, it has not gone unnoticed.
Product: Credit reporting

XXXX XXXX for XXXX XXXX Hospital, paid medical bills should be removed from a credit report. For addresses I never lived in Ohio. XXXX is showing payment history for before 2014, I did not have a loan with them at that time.
Product: Credit reporting or other personal consumer reports

On XX/XX/2022 XXXX XXXX XXXX XXXX, XXXX XXXX, Ally Financial XXXX XXXXXXXX XXXX XXXX pulled hard inquiries on my Credit File without my consent.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit profile and saw hard inquiries that are not mine on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my credit file was involved in the Equifax breach and my entire credit file is blank with them, leaving me with a poor credit rating and score number, keeping me from acquiring much needed credit to improve my file. I am not able to access my report or score for Equifax online or by phone, due to the fact the information on the file is either incorrect or not there at all. I have sent documentation to Equifax 2 times to get this settled and still nothing has changed. I wasnt even aware of the breach until i heard it on the radio. I have taken time over many years to clear and dispute many fraudulent items on my file to then have such a grievance with the main reporting agency. The embarrassment and challenges I've had to go through cant be fixed with money. Id like my file, report, and score recovered somehow. My score has improved with the other reporting agencies but not with Equifax. Horribly upsetting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXXXXXXXX XXXX XXXX was paid prior to my filing for bankruptcy, was at a XXXX balance before collections, and should not have gone to collections in the frist place.
Product: Checking or savings account

B OF A unjust close my checking account and never refunded me XXXX that was in that account. I want my money
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX for their refusal to update my personal information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
Details of the Issue : Date of Initial Request : XX/XX/year> Documents Submitted : Personal information update letter, driver 's license, Social Security card, and utility bill ( notarized ) Response from XXXX : XX/XX/year>, stating my request could not be processed due to missing government ID ( which was, in fact, included ). 
Violation of Rights : XXXX 's refusal to update my information is a direct violation of 15 USC 1681 ( a ) ( 4 ). The FCRA mandates that consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. By not properly reviewing the provided documentation, XXXX has failed to conduct a fair investigation, thus violating my consumer rights under : 15 U.S.C. 1681i : Procedure in case of disputed accuracy 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy
Product: Credit card

In XXXX of this year, I contacted a XXXX XXXX XXXX credit card representative after I noticed fraudulent activity on my card. Instead of replacing the card number, they told me they would remove the fraudulent charge and I would keep the same card number. This concerned me, but I complied and kept the card. The following month, I again noticed fraudulent activity and once again had to reach out to the credit card company. This time, they told me they were going to replace the card. I had a bill coming due soon, so I asked about paying it. I had a {$41.00} bonus credit on the card that I was going to use to pay the card. The rep told me that's not how that works, even though I knew it was possible to use the credit to pay the balance because I had done so in the past. She told me to wait for the new card, which concerned me because I had already submitted the credit request to pay the balance. I payed the balance on the due date, despite the confusing message I had received from the rep. Despite all this, I still received a late fee because they said the payment was received after XXXX. I called and emailed the company, but was told there was nothing they were going to do about it. 
None of this should have ever occurred had the credit card been replaced after the first call regarding fraud.
Product: Credit reporting or other personal consumer reports

Reporting company used your report improperly I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for consumer reporting agencies have assumed a vital role and have a responsability to report consumer information to the best of their ably with maxium accuracy i have never been late on payments for the account ( XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX ), PEASE INVESTIGATE AND PROVIDE PROOF WITH STATEMENTS SHOWIG THAT THESE PAYMENTS WERE LATE IF PROOF CAN'T BE PROVIDED I DEMAND THESE PAYMENTS BE UPDATEDTO ON TIME AS THEY SHOULD BE AS I WAS NEVER LATE THANKS. 
/ I WANT THE CFPB TO PUBLISH THIS DESCRIPTION ON XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : Cushman v. TransUnion Corp. ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
Ramirez v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies.
Product: Credit card or prepaid card

1. I charged {$500.00} using my CitiBank Mastercard to my XXXX account on XX/XX/XXXX 2. I called the fraud division of CitiBank on XX/XX/XXXX to stop payment, as I did not recognize the transaction due to the poor description on the Citi statement ( description reads : XXXX XXXX XXXX XXXX there is no reference to XXXX name ) 3. Citi credited my account with {$500.00}, at this point I was no longer responsible for the payment for {$500.00}, and CitiBank commenced process of retrieving back the funds from the Merchant ( XXXX ) 4. XXXX deducted funds from my XXXX account on XX/XX/XXXX 5. I called CitiBank acknowledging the transaction and informing the bank that the transaction as legitimate on XX/XX/XXXX 6. Citi charged me {$500.00} on XXXX billing, statement attached for your review. 

7. CitiBank sent funds of {$500.00} to XXXX on XX/XX/XXXX. Transaction identifier has been provided to me. 

8. XXXX  claims that founds sent in XXXX, never was received by them and they never credited my account. 

9. XXXX claims they are unable to locate the funds. XXXX claims that money was returned to Citi as part of the chargeback process initiated with fraud report. I agree with this part of their statement. They however do not recognize the part that money has been send AGAIN to them on XXXX XXXX and refuse to credit my account. Citi Bank was notified about the issue, but it is not contacting the merchant nor crediting my account. I spoke several times with Citi reps and they state that since I took responsibility for the transaction, they will not investigate it as a fraud. The fact that money sent back didn't make to the merchant, is of no concern. They stated that they never tried to contact XXXX and resolve the dispute. Citi never investigated what happened with the money, they only state that it left the bank. I request to be refunded, Citi did not deliver the funds to the intended recipients, they never even tried to state that they fully investigated what happened to my money.