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

Citibank charged a service fee and over-drafted my account twice. 

I've tried calling, chat ( waited 20 min ), and XXXX XXXX. They constantly closed our conversations and put me a new person to chat having to begin from scratch. 

I thought that I was going to get that service fee waived because I had the requirements within the dates of the same billing cycle. 

I talked to XXXX Saturday 15 when this was issued over chat and supposedly filed my complaint with the Executive Response Unit and was promised a call by them on Monday XXXX. Immediately after I took my account out of the overdraft threshold. 

On Monday XXXX, I went to a branch location and fixed the {$12.00} service fee. 

Now, today Tuesday XXXX, after 4 days the account was charged a {$34.00} overdraft fee and most likely they will attempt to do another overdraft fee tomorrow because of this last fee. Totaling {$80.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I disputed multiple charges on my credit account I formally wrote these letters myself not using any AI or third party credit cleaning services I sent these letters off via USPS certified mail in the letters I am asking for my original copy of the contract with the companies stating that I would pay them or my signature stating that I gave consent to have my debit sold to these companies. On XX/XX/2023 8 days after making the dispute I received an automated email to my dispute claim that my claim has been closed and the collections was placed back onto my account, I did not receive any correspondence that I asked for but instead the creditors calling me asking for money after I asked them for the original contract with my signature they told me it will stay on my credit report and hung up Experian did not due a full investigation but instead responded back to me in 8 days and closed my dispute without providing me with any of the things I stated to prove that this debt is mines and I am in response of said debit and instead of sending me a letter they rushed used a robot through an email and not through US mail and also didn't even utilize the full 30 day investigation and made a final decision within 8 days.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX transferred my debt to a collection agency called TRANSWORLD SYSTEMS INC . I never received a letter or phone call from TSI until I was buying a house. Then I received a letter stating I owe {$3800.00}. I asked the customer service rep what this was all about? She stated that they sent a letter to the address, [ left blank intentionally ] in XXXX. I asked if they tried to call me. She stated, " No. It is not our practice to make outbound calls, we just send letters. '' So I told her that I had not lived at that address since XXXX. She was silent. So I asked if she could bring the payment to what is showing on my credit report? She stated that I would have to call the TSI office to make a settlement offer. When I call, they said that I owe {$3800.00}. It had occurred almost {$40.00} within 8 days of the letter being sent through the mail. I talked to XXXX XXXX and he said he will submit the offer up to the client and it should take 14 business days to hear something back. I offered to pay what was on my credit report of {$2400.00}.
Product: Payday loan, title loan, or personal loan

They reached out to me to get the full monthly payment, I advised them that I was unable to make the payment due to losing my job due to COVID-19. I have another job but I am making over 50 percent less. They worked with me from for the first few months ; however, when I couldnt afford to make the full monthly payment or the half payment the representative got extremely rude saying Ive already answered the question ten times, combative. Told me the only thing I could do was to make the full monthly payment I could break it up into two payments. The representative I spoke with on XX/XX/XXXX offered me hardship program but the rep I spoke with on XX/XX/XXXX said I could only make full monthly payments. Treating me like dirt in the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX a natural person is writing to dispute inaccurate information on my credit report. The information in question relates to an account with XXXX XXXX, account number XXXX. 

The information provided by your agency regarding this account is inaccurate in several ways. Firstly, the date the account was opened is listed as both XX/XX/XXXX and XX/XX/XXXX across different credit reporting agencies. Secondly, the date of last payment is also listed differently across different reporting agencies, with dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX being reported. Additionally, the reporting date is listed as XX/XX/XXXX and XX/XX/XXXX, which is also incorrect. 

Furthermore, one of the credit reporting agencies is reporting the account as paid off, while another is reporting it as derogatory, which is contradictory and inaccurate. 

According to the Fair Credit Reporting Act, Section 607 ( b ), credit reporting agencies are required to provide accurate and complete information in credit reports. Additionally, Section 623 ( a ) ( 2 ) of the Act imposes a duty on furnishers of information to provide accurate information to credit reporting agencies. Inaccurate information on my credit report has negatively impacted my ability to obtain credit and loans, as well as other basic necessities. 

Therefore, I am requesting that you investigate and correct the inaccurate information on my credit report regarding the XXXX XXXX account in question. I also request that you provide me with an updated credit report reflecting the removal of this account within 30 days. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in good standing with my credit card company XXXX XXXX XXXX and as of now am current with my payments. On XX/XX/2023, my credit dropped and noticed there was a collection account with consumer adj co for {$510.00} on my credit report for XXXX XXXX XXXX. I called my credit card company they said they never placed a collection on me because my account is in good standing. On XX/XX/XXXX I disputed with trans union for XXXX and they did nothing they finished investigating by XX/XX/XXXX and nothing was done. My credit rating has suffered due to unexplained and suspicious collection account which hurting my credit rating. I want this account removed since trans union is not doing there job or even can not or don't know what is fraud. I can not find a phone number with the collection account consumer XXXX XXXX  but only have this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Although I didnt request a loan for this semester, my school put XXXX on my account XX/XX/year>. I immediately refunded the money and advised that I wanted to cancel it XX/XX/year>. They responded and confirmed that it was cancelled XX/XX/year>. I confirmed by checking my student account. A few days later I received notification that it was on my credit report. I called XXXX and asked for them to remove from my report. They said due to processing it could take several months after I send a written letter by mail. I asked if they had a fax or electronic method. They said no. So it took a few days to put it on my report and " due to processing '' it takes months to remove it. Its unacceptable and a deliberate burden. I reported it to the credit agency XX/XX/year>. They investigated and somehow received confirmation from XXXX that this is an active account. SO the credit agency wont remove it.
Product: Credit reporting or other personal consumer reports

i have tried to resolve the inaccurate reporting with ALL 3 CRA 'S many times, and they have not removed any inaccurate and incomplete items from my credit report so i sending my last complaint before litigation for them to delete the information. They are in violation of 15 usc 1681i ( a ) ( 1 ) ( a ) ; 15 usc 1681e ( b ) ; 15 usc 1681n for the following items : 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
Product: Checking or savings account

I have an account with Chime bank XX/XX/XXXX : XXXX XXXX XXXX remove {$300.00} from my checking with out my authorization XX/XX/XXXX : XXXX XXXX XXXX charge my access 4 times totaling in {$150.00}
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

After I paid off my loan, Bridgecrest had told me they had released my title to another creditor XXXX years earlier. They do not have the title and still continued collecting money and didnt tell me that my title was sent to another financial institution. I paid off my car on XX/XX/XXXX for the remaining balance of {$2700.00} but the total was replaced and sent to another financial institution on XXXX XXXX
Product: Money transfer, virtual currency, or money service

I submitted a wire transfer request form to the Citizens Bank   Branch XXXX in XXXX XXXX, MI on XX/XX/2019 to send {$3000.00} to my niece in XXXX.. Money was needed urgently for hospitalization expenses for major XXXX XXXX XXXX related treatment. 
I provided the bank account information of my niece ( phone copy of her check book page ) to the bank clerk. Form was completed with wrong account number!! Bank clerk put the routing number as an account number!!! As a result, transfer did not go thru and Citizens Bank decided to recall the amount rather than giving them the correct account number. 

Now, the money is hung up some where between the XXXX XXXX, XXXX XXXX, or the intermediatory bank, XXXX XXXX XXXX, or the Citizens Bank at my branch. I requested Citizens Bank to track the money recall but nothing has been done. I contacted XXXX XXXX  XXXX ahd they assure me that the money was wired back to US banks. 
Now, someone in the US, either XXXX XXXX XXXX or Citizens Bank is holding my money????? 

I will consider this as a banking fraud and seek legal action thru the Attorney General of the State of Michigan, if I do not get satisfactory resolution from your office, or an assurance from Citizens Bank, that the money will be re-deposited to my bank account within 7 days .... 

Reference : ; Citizens Bank Wire Transfer Request No XXXX. Phone Number of the Citizens bank branch XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing a formal dispute regarding significant violations of the Fair Credit Reporting Act ( FCRA ) related to inaccurate information on my credit reports. I have discovered discrepancies and violations concerning a collection account listed on my credit reports with XXXX and XXXX. The account details are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX Disputed by Consumer : Yes, with remarks indicating that the consumer disputes the account information on both XXXX and XXXX. 
I am bringing to your attention the following discrepancies and FCRA violations : * The original creditor is listed differently on XXXX and XXXX, which leads to confusion and inaccurate reporting. 
* The account status is reported differently on XXXX and XXXX, potentially misrepresenting my creditworthiness. 
* XXXX reports that the last status update was in XX/XX/year>, indicating a lack of recent reporting activity, while XXXX does not provide this information. 
* Both XXXX and XXXX state that the account information is disputed by the consumer, yet the disputes have not been resolved within the required timeframe, as mandated by the FCRA. 
I demand that the Consumer Financial Protection Bureau investigate these discrepancies and violations promptly. Furthermore, I demand the immediate removal of the collection account from all major credit bureaus if the inaccuracies can not be verified. This action is necessary to rectify the violations and ensure the accuracy of my credit reports. 
Thank you for your attention to this matter. I expect a swift resolution and the correction of my credit reports in accordance with the FCRA.
Product: Mortgage

XXXX OPEN XX/XX/23 debt dispute, company failed to respond to dispute and reported a late payment without the debt being validated and with refusal of remittances. Company is in dishonor, is a threat to the public interest and is deliberately causing injury. Company is in violation of security fraud. Mail fraud and theft.
Product: Credit reporting or other personal consumer reports

PLEASE I NEED YOUR ASAP RESOLUTION WITH THIS MATTER, I HAVE ATTACHED THE DOCUMENTS NEEDED FOR THIS REPOSESSION ON MY ACCOUNT.
Product: Mortgage

I received a letter from my Mortgage company letting me know that my loan was being transferred to another company. The date the letter was written was X/XX/17. My understanding is that they are required to give no less than a 15 day notice. This letter was sent regular US mail. This letter did not arrive within the 15 day notice. Also, the letter stated that they will no longer be accepting payments after XXXX XXXX, 2017. The mortgage payment ( 1/2 ) was drafted out of my account on XXXX XXXX, 2017, which I was not expecting. With my previous mortgage company, I was set up on a " flex payment plan '' which allowed half the payment to be paid on the XXXX of the month, and half the payment to be paid on the XXXX of the month, and this was on automatic draft. This method worked very well for the way that I get paid and when my other bills are due. I can not pay the full amount in one lump sum payment on the first, or it leaves my family without money left over for groceries, gas, etc. I called the new servicing company, LoanCare , LLC, to quickly sign up for bi-weekly payments on automatic draft. I was told that they do not accept bi-weekly payments, but they have a third party that will assist with this, however, they charge a large fee to do this. I had no voice in my mortgage being transferred, but my understanding is that the terms of your loan should not change. I strongly believe that my options as far as payment should continue as they previously were, WITHOUT an additional charge.
Product: Credit reporting

Equifax is still reporting an account ( XXXX ) on my credit report. XXXX however has removed it as had reached the date for it to be removed from my credit report. I have contact equifax to please send me an updated report and they will not send me one. I also tried to dispute this account online through equifax website and was not able to do so. This account ( XXXX ) is suppose to be removed from my report. Having this still reporting is affecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,    2017 I submitted  a dispute to  XXXX  regarding GM financial on my credit report. I asked for all the information regarding the account be verified. On  XXXX   XXXX ,    2017 t he investigation was completed and it came back verified. It is my belief that  XXXX  did not complete a investigation because EVERYTHING on the account is reporting inaccurately. The high balance is incorrect, the balance is incorrect, and the date of last payment is incorrect. I am fully aware of my rights and if the credit bureaus fail to investigate and update with accurate information according to the FCRA then this account must be removed.  XXXX  is supplying the credit bureaus with outdated, inaccurate information and the accounts should be deleted from my credit reports. You will find a copy of my   XXXX    dispute regarding this account. I have also supplied you with the latest information reporting from  XXXX  so that you may compare the inaccuracies.
Product: Credit reporting or other personal consumer reports

I have contacted Experian on several occasions disputing an account that I specifically asked Experian to investigate thoroughly to verify the alleged XXXX XXXX account # XXXX for {$810.00}. If it is not verifiable, I request the removal of the account. The last two times, Experian sent updated credit reports stating the accounts were verified as accurate and the accounts were accurately reported by the data furnisher. 
I proceeded to do my due diligence and contacted XXXX XXXX requesting debt validation of an account ending with XXXX. 
There is a total of two letters specifically that XXXX XXXX sent about the alleged account ending in XXXX. ( see attachment to this complaint ) In the first letter, XXXX XXXX indicated they did not know if an application was taken over the phone or the Internet and that they couldnt provide evidence of supporting documentation to validate the account to me. Letter-2 for the account ending in XXXX, XXXX XXXX indicated they allegedly received an application via the internet and stated dates and amounts in the letter that do not match what has been recorded on my Experian credit report. In addition, they allegedly stated the account was opened with a valid contract but could not provide a paper copy to send me bearing my signature. 
I took the liberty of going to the Experian website to upload these letters and received a message that stated : You have previously disputed this item. Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. 
However, it would not allow me to upload the documentation via the online dispute portal. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( 5 ) ( A ), I am entitled to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable. If, after the reinvestigation, the disputed information is found to be inaccurate or can not be verified, the credit bureau must delete the information. According to 15 U.S. Code 1692g ( a ) in the section of the Fair Debt Collection Practices Act ( FDCPA ), XXXX  XXXX was not able to validate the account. This is questionable as to why Experian would state under their investigation that the information you disputed has been verified as accurate. How can Experian say this account is accurate when one, the creditorXXXX XXXX can not validate the account belonging to me by providing me with copies of any documentation associated with this account bearing my signature? And two, there are inconsistencies about the payment history on the letter then whats reported on my Experian Credit report. This is defamation of character and a violation of the Fair Credit Reporting ACT.
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 federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX has violated my right. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the time the account was opened. XXXX XXXX XXXX XXXX XXXX 
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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

During my XXXX years, I took out student loans withteh help of XXXX co-signers XXXX XXXX of which is deceased and the other I have not maintained contct with ). I gradauted with my XXXX degree in XXXX and have struggled most times in keeping up with my student loans I have utilized many forbearances/deferrments. I also took advantage of in school deferrrments while getting my masters and my XXXX XXXX which I am still in the midst of ). Several months ago I contacted Navient wanted to work out a manageble plan to make payments on a regular basis. I have been doing so ever since ( please see attached ). I took a year off from my XXXX program and about a month ago, I contacted Navient and let them know that I had returned to my XXXX program and expected to once again be placed on in school deferment. They said they could not do anything on their end had to wait for my name to appear in the Clearinghouse before approving an in school deferrment. As usual they eluded to teh thereat of contacting my co-signer as they always do if I did not continue making payments. In the end I said okay. Though I did call my school in hoped of them contacting Navient on my behalf to expedte the process, but my school stated that they do not do that and I would have to wait for the XXXX House list to be released to navient. I said okay. 

Immediately following that phone call, I began receiving several phone calls a day from Navient 's XXXX system. This has been happening for a week now. I just logged into my Navient online system because I have been bewildered at the harassing phone calls when I have been and am current. I was shocked to see that there was a message on the left stating that I was XXXX payments behind as well as a tacked on non-payment from XXXX XXXX XXXX which is false ( see attached ), although the payment history shows all my payments made from the point I establshed payments with them in XXXX of XXXX XXXX see attachment of payment history ). The payment history also includes late payments fom when I was under in-school deferment.
Product: Credit card or prepaid card

I was denied of a credit card based off of some identity verification issue. They never asked me to send in any documents to verify my identitiy, they just denied me.
Product: Credit reporting or other personal consumer reports

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : 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: Debt collection

I got this letter and havent had a chance to even be looked at the account to see charges.they want to sue me.