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

See complaint # XXXX : " On XX/XX/2021 I initiated a transfer of funds, {$1000.00}, from my previous bank account with XXXXXXXX XXXX to Citibank Online. I had opened a checking account on XX/XX/2021 with Citibank Online. On XX/XX/2021 I had tried to transfer more money into the account only to receive an error saying that Citibank was not responding. Upon checking my email following the above, I filled out a documentation form requesting my drivers license and a proof of address. After this I called customer service for Citibank. I spent the next four hours speaking with various customer service representatives over the phone and using the chat function on the Citibank App. I was informed that my account had a hold on it for a {$0.00} transaction that was only visible to the customer service representatives, and not to me. Thus my account is under investigation for next 7-15 business days. With no way to resolve it. I was also told that I could not expedite the process, even though all funds I possess were in that account. I was also informed I could not transfer my funds out of the account, nor access them in anyway until the department was finished with the investigation. I was never able to speak with a supervisor or manager upon request to verify this information, though I requested to do so multiple times. My money is on hold for no discernible reason. I also was hung up on by customer representatives multiple times, and treated without care or resolving my issue. I was also refused the number of the team that would actually be resolving the hold on my account, being told that the " backroom team '' would be taking care of it. '' Above is my former complaint. 

I have contacted Citibank on XXXX via phone to get them to review my account documents. They have refused to do so, and have been unwilling to connect me to a manager.

I was connected to the Executive Response team late last week, around XX/XX/2021, and told they would help resolve my problem. This week, on XX/XX/2021 and XX/XX/2021, I have contacted both the Executive Response Team and the Fraud department with citibank. My account and documents provided have still not been reviewed and my complaint has not been meaningfully addressed. They have also gone beyond the 7-14 business days they promised my account would be reviewed within without making any progress whatsoever.
Product: Mortgage

XXXX XXXX at Sierra Pacific Mortgage XXXX promised a {$5000.00} sellers concession then left it off the closing document. I had to ask for it then she added it back. Then I realized the tried to charge me XXXX XXXX in XXXX XXXX XXXX when I am a 100 % XXXX XXXX XXXX. I had given them documentation ahead of time and reminded them of this multiple time. After they fixed the XXXX  funding fees I noticed that the Origination fee went up from 1.044 % to 1.097 %. I confronted them that XXXX loans can not be charged more than 1 % in Origination fees before they lowered it. Finally they are double charging me two months of insurance on the home for a total of XXXX prepaid months as well as charging me 10 months of property taxes in advance when they know I will be exempt from property taxes in Maryland due to my 100 % XXXX XXXX XXXX XXXX XXXX. I fought with them about prepaying so many months in taxes and they would not budge saying I would get reimbursed. XXXX has been a nightmare to work with.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account mentioned in the attachments from XXXX XXXX financial services is listed as a Charge off when the account was actually paid in full by the consumer. The account numbers listed on the credit reports are inaccurate, and was called valid after investigation. The payment details are inaccurate and XXXX is the only credit reporting agency who has continued to re-age the account through its reporting since the account was paid and closed in XX/XX/2018.
Product: Debt collection

XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Opened   XX/XX/XXXX    ( 6  mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name  XXXX   XXXX   XXXX   XXXX   XXXX  has submitted false information on my credit report. The collection agencies has bought an account that was already selected and  discharged  in  XXXX . In addition the agency has supplied  Transuion  a false date of   XX/XX/XXXX   which is illegal by law. This debt date is not correct and I 'm not responsible for the debt!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I honestly have no idea who this person is or why this account is on my consumer report. I have never done business nor personally dealt with this person or any of their affiliates. I do not live in Pennsylvania, in actual fact, I have never even been to this address in my life. I have already reached out to inform of this inaccurate reporting and to be corrected by removing. Not only have my rights been violated for reporting without my permission but this legit is not my account.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because TransUnion and XXXX have failed to remove a fraudulent XXXXXXXX XXXX XXXX  and unauthorized charges from my XXXX XXXX  XXXX ( and closed the account citing my violation of their terms ) accounts from my credit report despite multiple requests and proper documentation. I have provided both credit bureaus XXXX, and XXXX XXXX  XXXX with : Multiple written disputes on XX/XX/year> and again on XX/XX/year> for XXXX ( they still did not comply ). 
Multiple disputes on XX/XX/year> and again on XX/XX/year> for XXXX XXXX  XXXX ( they still did not comply ). 
Copies of the FTC Identity Theft Report. 
Proof of identity verification. 

The fraudulent account still appears on my credit report, negatively affecting my credit score. Both agencies have failed to comply with the FCRA 's investigation requirements, and XXXX has not resolved the issue despite being informed of the fraud. I request the CFPB 's assistance in removing this account from my credit report immediately, as well as the XXXX XXXX  XXXX. XXXX has already complied with and removed both of them from my credit report, but Transunion and XXXX are failing to comply with the FCRA requirements with my report of identity theft. They also violated Section 605B of the FCRA by reinserting XXXX on the credit report AFTER the time requirement of four ( 4 ) business days. Under Section 605B of the FCRA, you are required to block the reporting of information resulting from identity theft within four business days of receiving the following : A copy of an identity theft report, such as an FTC Identity Theft Report ; Proper identification of the consumer ; and Identification of the fraudulent accounts to be blocked. 

I submitted all required documentation, including my FTC Identity Theft Report ( Report Number : XXXX ), proper identification, and a detailed list of the fraudulent accounts, which includes the XXXX  XXXX account. Despite their receipt of this information, the account remains on my credit file. 

Please refer to the attached documentation for detailed evidence of my correspondence and the unresolved nature of this issue.
Product: Vehicle loan or lease

On XX/XX/XXXX I went to a car dealer called XXXX XXXX at XXXX XXXX XXXX, XXXX, PA XXXX to buy a car, I looked at a XXXX XXXX XXXX truck I asked about the price they told me it cost XXXX usd I told them that If I took it with me later they convinced me to take it on credit to build credit in the USA I told them I didn't want to buy it with cash they forced me to buy it on credit they asked me for a down payment of XXXX and all my legal status information on accounts bank and they made all the movements without confirming anything until they told me sign here and the truck is yours after signing they gave me a paper to pick up the plates in XXXX after XXXX days they sent me the contract with a financial company called CREDIT ACCEPTANCE When I read it, I realized that I had to pay XXXX a month, which I assumed that I could afford it. The week I took the truck for the PA mechanical inspection it did not pass, I had to pay for repairs out of my wallet because they did not accept the repair policy that the dealer made me buy. After a year of payments and calls for repairs, they have not been able to give me an answer and my bank account is XXXX over the transfer and I have asked to refinance with other companies and they do not accept due to the excessive cost of the truck and the title is damaged, thanks for listen to me
Product: Debt collection

Dear XXXX, This letter is being sent to you in response to : Response to your communications I received on XX/XX/year> Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Company name : Portfolio Recovery Associate Date : XX/XX/2019 Amount : {$800.00} Action taken : After checking my credit report, I realize the name on the account is not mine, I sent a copy of my XXXX XXXX XXXX and a copy of my XXXX XXXX to the company asking it to remove the data on my report, but the company insist that the date is justified and maintain the file that continue to hurt me financially ... I have equity in my house, but I can't take advantage of that ... I am asking for help. 

In addition, Portfolio Recovery Associate failed to provide the date the account were opened, and who opened it..I believe it is against the Law to post false infoemation on people credit for personal gain..I am asking for help
Product: Mortgage

Debtor is inaccurately reporing a debt to the credit bureau. The debt was discharged in a Chapter XXXX.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per XXXX U.S.C XXXX Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to XXXX CFR Part XXXX ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX XXXX XXXX reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Original Creditor : XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account ( XXXX XXXX XXXX ) that is placed on my credit file that is not accurate. However, I can not dispute the information with the company because the address listed is not correct. 

Since the information listed by the credit reporting agency is inaccurate it must be deleted by the reporting agency. However, after writing two letters to Equifax, they have ignored my letters and continued to keep reporting the inaccurate information in violation of federal law ( FCRA ).
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX DATE XXXX I am writing to formally dispute an inaccurate late payment reporting on my credit file, which has been reported to Experian, XXXX XXXX and XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX I have always had a great relationship with XXXX and have managed my account responsibly. Unfortunately, due to financial hardship following the birth of XXXX XXXX, I fell behind on my payments. However, I find it deeply disappointing that XXXX would choose to report this in a manner that jeopardizes my creditworthiness and reputation. Specifically, I dispute the accuracy of the alleged late payment transactions reported to my credit reports. According to 15 U.S. Code 1681a Definitions ; rules of construction, the term " consumer report '' does not include information solely concerning transactions or experiences between the consumer and the reporting entity. Therefore, transactions and experiences with your company that fall under this exclusion should not be furnished to consumer reports. The law states under 15 U.S. Code 1681a ( c ) Exclusions : > " ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term 'consumer report ' does not include > ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' My transactions and experiences with XXXX XXXX are excluded from the consumer report. You have no legal right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. Additionally, the only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments, which stipulates : > " ( 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. '' To comply with this section of the law, XXXX XXXX must provide proof that the information required under 15 USC 1637 ( b ) was mailed out or delivered to me 21 days before the payment due date. Please provide this proof, as a creditor can not legally treat a payment as late without adhering to this requirement.
Product: Debt collection

National Credit Adjusters was collecting for a payday loan balance. 
I called them to pay, and their collection agent promised me that they would delete the collection from my credit report at all credit bureaus if I paid the collection. 
All I had to do was dispute it through the credit bureaus after I paid them. 
So I paid National Credit Adjusters and I have disputed it multiple times through the credit bureaus but National Credit Adjusters refuses to delete this account, even after their collection agent promised they would.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following a recent review of my credit report at the XXXX, XXXX and TransUnion consumer reporting agencies, I learned that XXXX XXXX XXXX ( account number XXXX ) ; XXXX XXXX ( account number XXXX ) and XXXX  XXXX  ( account number XXXX ) were reporting delinquent 30 days when this was not the case. In fact, the accounts should report paid as agreed with no delinquency whatsoever. 

I contacted the creditor and credit reporting agencies and was advised that the account would be updated and any prior delinquencies would be removed as said delinquency was no fault of mine. To date, this - apparently - has not been done and my credit score has been severely impacted. 

Please investigate my concerns and compel the creditor to correct my account with them. As an account holder since 2000, I deserve more.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has my credit filed mixed with a different person with the same name and different social security and I keep getting inquiries and accounts on my credit report that are of a different person with a very similar name. I have tried all possible way to fix this error but I have not found success.
Product: Debt collection

XXXX XXXX XXXX is trying to collect a debt that is not mine. This is a result of identity theft and not mine, I have never had XXXX or cable service at all ... Please check your records and remove from my credit profile or I will have no option but to handle this in small claims court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account that is misreporting information on my credit report with TransUnion. The account is listed as XXXX/XXXX XXXX XXXX. In my dispute, I initially requested that the debt be validated because the account was listed as negative, closed, and reporting late payments from XX/XX/XXXX. The dispute results stated the account was " verified as accurate and updated ''. I called TransUnion today to inquire about what information they had received to verify the account and the representative told me that the account was mine and that it had been updated electronically. The representative also told me that TransUnion was not responsible for providing me any information that XXXX/XXXX XXXX XXXX had provided to TransUnion. He also told me to contact the creditor directly, so after going back and forth for a while, I told him that I did try to call the number listed on my credit report for the creditor and the number was a sweepstakes number. I continued on, asking the representative for the address to TransUnion so that I could formally submit a request for the documentation that XXXX/XXXX XXXX XXXX provided and after additional debate he finally gave me an address. He also told me to XXXX XXXX and find an updated contact number. We concluded our call. After I XXXX " XXXX XXXX XXXX '' I saw on their website that ALL of their student loans were sold to Navient, so I XXXX  again and saw that XXXX/XXXX XXXX XXXX loans were sold in XX/XX/XXXX. I called TransUnion back and got a supervisor who I spoke to and advised her of my previous conversation ; I also informed her that it appeared that XXXX/XXXX XXXX XXXX sold ALL of their student loan accounts to XXXX so I wanted to know how could the disputed account listed on my credit report come back as validated when XXXX no longer owns the account and XXXX is not listed as the current provider on my credit report? I am submitting this complaint because I do not believe that TransUnion contacted anyone to validate this account. I also believe that TransUnion, and other credit bureaus, are not transparent with their disputing practices and they should be held accountable for their practices of damaging consumers credit. 

This is the link that I referred to above for XXXX XXXX XXXX that specifically states all student loans were sold to XXXX : XXXX XXXX XXXX
Product: Credit card

I called Citi to understand how merchant reversals work. I was told once the reversal is credited to my account, I can get a refund check or direct deposit to my bank account. One time when I called to check to see if the reversal happened, it was suggested by a representative to sign up online to see when the reversal hits so I do n't have to keep calling in. This call happened XXXX/XXXX/XXXX. I sign up online, I see the reversal. I immediately call Citi to get my check. I 'm told by XXXX that I ca n't get the full reversal amount only the difference between my balance and the reversal. I ask for a manager because at no time before did any representative say I have to pay my balance before getting my check. Now, my bill is due on XXXX/XXXX/XXXX. I made an online payment on XXXX/XXXX/XXXX so I do not have an outstanding bill. Why does Citi make the decision to pay off my balance when I 'm not in default or behind, late or in collections for over 9 years. I explained to the first representative before I told the merchant to do a reversal that I owe people money and that I needed to know how to get the money off the credit card. Again, not one time did the first or any other representative I spoke with tell me that Citi will take a portion of the reversal. Otherwise, I would have tried to get a check from the merchant. I was misinformed multiple times. I talked to the social media representative and she promised me I would get my whole amount and when the check came it was for {$2000.00}, not {$2300.00}. Upon receiving my short refund check on XXXX/XXXX/XXXX, I called to close my account because Citi has made me go into my account to refund these people. I 'm told I can use my thank you points within 60 days. I go to the website and my account has already been deactivated. I have a screenshot if needed. Citi again misinformed me. As a Citi preferred customer for over 9 years, I should get better service than this. Does mean if my bill was {$5000.00} and I got a the reversal they would have kept all of it even though a current payment has been made? The representatives I spoke with are, XXXX Account manager, XXXX, Social media rep, XXXX, XXXX. I spoke with XXXX, XXXX and XXXX all on XXXX/XXXX/XXXX.