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

I have been trying to access my Citibank Online account to access scheduled payments. The past few times I have tried it does not have as an option. I have been using online banking for many years with the same userid & password to log on. At this particular time I wanted to cancel a scheduled payment. I contacted the Tech department originally on XX/XX/XXXX. I was originally told it was a website issue & that I should try in a few days. I informed the so called " technical rep assistant '' that this has been going on for a while. She then went back & told me that my citibank card was not registered to the account, only my husbands was. This was never done by either one of us, & when my husband logs in, he also does not have access to this information. The scheduled payments are there & have been taken out monthly but neither one of us can modify them. When we go into the option it says " you have no scheduled payments ''. 
We ended the call with my only solution being to re-register MY card with the account. But still was given no explanation as to why it was happening. 
On Thursday XX/XX/XXXX I went online again & attempted to register online again. The same message appeared. I contacted Citibank again. They immediately gave me the same excuse, " it is a technical issue please give it a few days & try again '' I immediately informed them of the history of the situation. I was then put on hold again & told, " oh, I see an incident report was submitted in XXXX & our team is still working on the problem. '' I told her I called in XXXX, she informed me that she didn't know why but the previous agent I spoke with did not submit a ticket. I asked if one was submitted in XXXX why has it not ben resolved. I was then told, " Oh, the ticket in XXXX was general issue that others are having not just you ''. 
She then told me that the only way to submit a ticket for me was to submit a screenshot of the message ( why I had to do that & she could not just type the message in was beyond me ). 
I asked how would I know when it would be resolved and she told me someone would call me. which i find odd that they would personally contact each person who is supposedly having this issue. 
So after a few months I can access my account on line but can not access or manage my payees. I was told the only way to submit a scheduled payment or cancel a scheduled payment would be to directly contact them.I still have no explanation or solution to my problem. 
I felt like I have been given the runaround & wasted time I can not get back
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion reported 16 different accounts and one inquiry on my consumer report without my consent and have shared my consumer report with different corporations without my consent, which is identity theft.
Product: Credit reporting

Equifax is once again reporting a derogatory public record, see attached credit report from XXXX/XXXX/2015. 
This was taken off all credit reports several months ago when I showed the lien release dated over 5 years previously, see attached lien release. When the account is accessed online, no derogatory information is listed. When my creditors get a copy of the credit report, the lien and collection reappear and the credit number thus suffers. The credit score thus suffers a XXXX plus point deterioration below the level of the other agencies, both of which do not show this lien. This is my XXXX time requesting Equifax take permanent action to remove incorrect information.
Product: Credit reporting or other personal consumer reports

I find myself in a perplexing situation where I have followed every instruction provided by your bureau, yet my legitimate claim is met with rejection. My journey through this harrowing experience of identity theft has been nothing short of a nightmare. Every step I have taken, every document I have submitted, and every report I have filed with law enforcement agencies has been executed meticulously and in strict accordance with your instructions. However, instead of the support, guidance, and swift action that I expected to receive, I have encountered repeated roadblocks and the disheartening message that my identity theft claim is not valid. Here are the accounts that needs to be removed from my credit file : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Please delete these accounts ASAP.
Product: Credit card

I have a XXXX rewards XXXX card from Bread Financial, a division of Comenity Bank. I had received a text alert for a nearly {$500.00} charge for a XXXX XXXX  and rejected it. Upon logging into my account, I found several charges from out of state in the amount of hundreds of dollars, XXXX charges, and a charge to XXXX XXXX. 

I had called customer service with the number on the back of my card. On my first attempt to report this issue, the person on the line argued with me about the charges and went to far as to defend the charges as legitimate. 
The following day I called again to speak with another person to report these charges. This person accepted my report, however I asked that they freeze the account and stop sending more cards, as I suspect someone has been requesting additional cards and using them to commit the fraudulent charges. 
When attempting to look at my account online today, I found that not only is the card still active, but it is still getting charges for XXXX orders out of state, which I have reported in the past. I was also prompted to activate my new card, after I specifically asked the company to stop sending out more cards. 

This company failed to alert me to any of these purchases, they have shown terrible customer service to a point of openly defending fraudulent charges, and they have not taken any of the actions I have requested to secure this account.
Product: Credit reporting or other personal consumer reports

According to the federal credit reporting act ( FCRA ) section 605B, it is illegal to report information on my credit report without my permission. Please remove this item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report. Thank you. 
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 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 XXXX XXXX XXXX
Product: Debt collection

Have been calling me every single day at around XXXX. I block the number every time and they somehow call from another one a few hours later. Idk what they want, why they keep calling, or how they even got my number ( it's new btw ).
Product: Mortgage

My mortgage was a couple months behind in XX/XX/2019 when Nation Star mortgage took over my loan. 
I called them to set up a payment arrangement. I was told that they can't do that, unless I pay the total about do. 
They suggested to apply for modification loan. 
So I agreed and started the process. 
They told me I didn't need my cosigner information because she isn't a contributor to my loan. They keep repeating same issues incomplete application. 
I summited everything I had for me and my partner. 
On XX/XX/2019 I talked to a representative on the phone and emailed her back and forth. 
At the end of XX/XX/XXXX I was served foreclosure papers. The hole time I was being reassured by a representative on this company that I was no where near forclouser. 
I talk to a representative at least one to two times a week. It's been one miscommunications after another. I send repeatedly the papers they ask and repeatedly I get told no right information. I ask to speak to my single point of conduct. Doesn't happen I have not been able to make a single payment on my home all this time. It's now beginning of XX/XX/XXXX and I have had no results or resolution. 
I have asked several supervisors at this company to review my phone calls. I have asked to speak with someone that actually knows what I need to send. 
I have so many documents that I'm not sure exactly to send. 
I have faced alot of documents to them I have expressed mailed paperwork to this company. 
I get told they don't have it. If the papers dont have the account number on every page they throw it away. Or I get told they didn't receive it. 
Where are all these documents then that has my personal information on it. 

Thank you
Product: Mortgage

My complaint regards one DiTech mortgage payment made in XXXX 2016 ( FYI-The account was paid off XXXX 2016 ). In XXXX 2016, Ditech sent me paperwork ( attached ) which indicated that my new payment had decreased by {$84.00} because my tax escrow amount dropped. When I adjusted my online banking automatic payment, I inadvertently set the new amount to be paid in XXXX, the next month. Unbeknownst to me, the new amount was n't to be paid until XXXX. On XXXX XXXX, a DiTech representative ( XXXX ) contacted me to say I missed a payment, which he later discovered was not correct. He said my payment was made on-time, but it was short {$84.00} because I paid the new lower amount a month too soon. I immediately paid the difference over the phone ( see receipt from XXXX XXXX ). He said it was an honest mistake and not to worry about it and he would take care of it and he would also remove the fee. Then, a month later in XXXX when I was preparing to sell that house and buy a new one, I discovered that my credit score had dropped about XXXX points because of that mistake. I immediately called Ditech and spoke to another representative ( XXXX ) and she too said it was an honest mistake and not to worry about it. But, I requested a letter stating what happened for my new loan and the credit bureaus. She said YES and that it would be mailed out to me in 5 days. When I did n't receive it after 5 days, I called again about where the letter was and spoke to a third representative ( XXXX ) and she said DiTech can not do anything, not even a letter. I then asked to her supervisor ( XXXX ) who also said she could do nothing. At that time, I had my loan officer get on the phone and XXXX who insisted that she spoke for the entire company and that we can not talk to her boss or anyone else above her and she would not transfer us. She said in this matter she is the only person I can speak to. She could see from all the notes that the {$84.00} issue was correct, but she refused to do the right thing. Since that conversation, ironically, DiTech still keeps sending form letters stating that they are looking into the matter which is evidence that some people in that company think I have a case, despite XXXX 's insistence that she governs all such matters. She would not give me her last name. So, I am writing to you for help. I have had mortgages and made full payments on-time for many homes time for about 20 years and not rectifying a simple {$84.00} mistake seems abusive on the part of Ditech. I lost valuable time and lost a lot of money ( {$25000.00} ) trying to navigate around this issue. They need to honor their promises verbal or not. She could see in the notes from the different representatives that my story was true, but she refused to provide me with a letter to send the credit agencies. My credit score was once XXXX and now it is XXXX and I had to liquidate some accounts $ XXXX in order to qualify for a new mortgage. And, now I was just denied a a home equity loan because of the low score from a silly {$84.00} issue.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft as a result of a data breach. In accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am formally requesting that you immediately block and delete the following fraudulent accounts and inquiries from my credit report. 
The following accounts were fraudulently opened in my name : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX. XXXX XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} XXXX. XXXX XXXX XXXX XXXX. Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} In addition, I am requesting the deletion of the following unauthorized credit inquiries : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


OPEN : Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX CLOSED : Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX - UNAUTHORIZED INQUIRY XXXX XXXXXX/XX/2022 - UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX XXXXXX/XX/2022 - UNAUTHORIZED INQUIRY XXXX XX/XX/2022 - UNAUTHORIZED INQUIRY XXXX XXXX XXXXXX/XX/2022 - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested for transunion, XXXX and XXXX to remove any old addresses and misspellings of my name because that is not how my credit report should reflect. They still have not updated my credit reports to show accurate information and i demand my requests be completed immediately. As it is my right as a consumer to have an accurate credit report.
Product: Credit reporting or other personal consumer reports

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


XXXX XXXX Never 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX Equifax Credit Information Services XXXX. 
XXXX XXXX XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to XXXX XXXX XXXX, XXXX XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX My only employer is XXXX XXXX XXXX My only telephone number is : XXXX Please do not respond by email or any other electronic means.

Please respond via USPS only.

Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate.

Sincerely, Name XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

My due date is normally the XXXX of each month. Much to my surprise, the bank changed my due date to the XXXX of each month without me knowing. Furthermore, I paid my bill at XXXX XXXX  PDT XX/XX/XXXX but the bank translated this ti XXXX EST. on XX/XX/XXXX. The specific time in which the payment was due is never mentioned on the contract and I had assumed paying at XXXX PDT will make my payment post the same day. 

Finally, according to the contract, the charge for late fees are either {$29.00} for a first time late payment or {$40.00} for every additional late payment. The fee I was charged of {$36.00} was not listed as one of the charges on my contractual agreement, and thus, I believe, is invalid. The fact that the bank changed my due date against my will, charged me for a payment that was made at the correct time in my time zone ( which they were ambiguous about in their contract ), and charged me a late fee that did not match their policy, makes the late fee charge invalid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a response back from XXXX as well as Transunion stating that there was no update to the accounts in question ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). After receiving my initial response from the credit reporting agency, I asked for additional information as to how this information was verified and received no response.

Most recently I have sent letter to the Credit Reporting Agencies ( XXXX, Transunion, XXXX ) requesting a review of incorrect information, including the above-mentioned accounts as well as outdated personal information. I provided a copy of my drivers license to show proof of residency. Two letters have been sent one on XX/XX/XXXX as well as on XX/XX/XXXX. At this time, there has been no response from the credit reporting agency or the collection agencies in question
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Someone, who probably has my personal information, applied for credit cards causing so many inquiries on my credit report which are the following : XXXX XXXX on XX/XX/year>, XXXX XXXX on XX/XX/year>, and XXXX on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing this letter in reference to my previous dispute submitted to your agency on XX/XX/year>. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved hard inquiries from my credit report. As a responsible consumer, I have diligently monitored my credit history, and I find it incredibly distressing to see my efforts undermined by the persistence of these unauthorized inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is wrong! These accounts are never been late. I never been late paying my debts. I know my obligations!