23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My Citi Prestige credit card comes with a {$450.00} annual fee and is billed as Citi 's highend credit card. One of the benefits that comes with this high annual fee is supposed  access to a premium " concierge '' service. Another benefit of this card is a " 4th night free, '' which allows a credit card holder to receive a fourth night free ( when booking four or more hotel nights ) through its concierge service. However, Citi has made it virtually impossible to use this benefit. I was on hold for more than two hours to redeem the free night benefit. I got nowhere. By making it impossible to redeem this benefit, Citi has effectively eliminated it. As a result, the annual fee is paid and the customer receives nothing in exchange. 

I want my annual fee refunded. I do not pay an annual fee of {$450.00} to wait on hold for two hours to use my benefits. To make matters worse, I called early in the morning, at XXXX   EST. Yet, even at that time, the hold times are ridiculous. If Citi is going to charge an annual fee of {$450.00}, it should not make its customers wait two hours to access their benefits. I spoke with a supervisor and he was apologetic but could not offer any solution.
Product: Credit reporting

The following inquires on my credit report were NOT authorized by me. 
I had financing secured through my credit union and has cash available to pay for a vehicle. I have tried to have these items removed and they still remain. 
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and noticed that I had missed payments on a couple of accounts, but there were discrepancies in the payment history, date account was opened, highest balance, last payment made, credit limit, and account closed date. XXXX XXXX XXXX have a responsibility to report consumer information with maximum accuracy and to the best of their ability. According to XXXX XXXX XXXX XXXX of the FCRA, if any information is not reported with maximum possible accuracy it should be corrected. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I request that these payments be updated to paid on time, as I believe I was never late. 

If it is proven that was in fact late on these payments and the discrepancies are updated on my report, please be advised that according to XXXX XXXX XXXX XXXX ( XXXX ) ( a ) ( i ), transactions arent supposed to be included in my consumer report. Therefore, late payments should not be reported on any consumer report. Please remove the late payments associated with the accounts. 


The accounts that reflect the inaccuracies and discrepancies are listed below : XXXX XXXX  XXXX : Account # - XXXX XXXX XXXX Account # - XXXX
Product: Credit reporting

The issue is that I am tired of playing around with these Credit Reporting Agencies. I have attached the letter that I mailed to them, which is certified, notifying them of my intent to sue and that is dated for XXXX/XXXX/2016. I am not playing with them anymore. This has been going on for the last 10 months. No one has verified any information, sent me anything, other than these pointless letters or stall tactics. I will be suing for the amount that the law allows per account on my credit report. The other agencies are following suit and removing the items that I have disputed because they know that they are not mine. You are allowing items on my report that you have n't properly verified and that is against the law. I will dismiss my lawsuit once the items are removed. I have attached the letter that Experian sent, saying they were not going to remove any items. They are trying to blame the furnisher instead of taking responsibility for not verifying the accuracy of the items through proper channels and actual verifiable, tangible proof. 

Lastly, they refuse to update my address. I have sent proof that I do not live there anymore and they keep sending the same non sense to my old address instead of my new address, which is XXXX XXXX XXXX XXXX, XXXX, GA XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to request the correction and update of my personal information as reported by your credit reporting agency under the Fair Credit Reporting Act ( FCRA ). The personal information that should be reported is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX **Date of Birth : ** XXXX - **Social Security Number : ** XXXX Please ensure that only this information is reflected in my credit file. If there is any other information present, I request its immediate removal. It is crucial that my credit report is accurate, complete, and up-to-date. 
I expect this information to be updated immediately and request written confirmation once the changes have been made. If you require any further information from me to facilitate this request, please contact me at your earliest convenience. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 a 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

I'm a business owner and have been working with XXXX bank to refinance XXXX of our XXXX XXXX. In doing this XXXX pulled our credit report on XX/XX/24 and we ( both my XXXX and I ) have been receiving calls non-stop from other XXXX XXXX for our XXXX. We have received XXXX calls this XXXX alone. Both my XXXX and I own our own XXXX and can't afford to ignore calls we don't recognize. I'll share the XXXX XXXXt from the XXXX one, XXXX XXXX who says ( XXXX XXXX direct XXXX ) they were sold this XXXX XXXX  information from EXPERIAN. My complaint is directed at EXPERIAN. This has to stop and can not be legal. I didn't authorize the sale of our XXXX information. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey im writting because i applied for a new credit card and a mortgage but found out through the credit card company called XXXX XXXX that my contact information on the credit bureau file was wrong in which i got denied the card and then from the mortgage company that i still have dispute comments on my file from XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX i tried and get in contact with the number XXXX XXXXXXXX gave me but no luck the number was XXXX for transunion
Product: Credit reporting

As on all XXXX of my credit bureaus XXXX has filed inaccurate information on me, they refuse to remove it but underBy its very name, the Fair and Accurate Credit Transactions Act places new emphasis on accuracy of information in consumer reports. Two FACTA sections aim to improve the accuracy and integrity of information as well as give consumers a new right to dispute data included in reports directly with the company that furnished it. These sections are : Accuracy guidelines for financial institutions and creditors that furnish information to credit bureaus. ( FACTA 312 ( a ), FCRA 623 ( e ) ( 1 ) ). 
Ability of consumers to dispute information with companies that report to credit bureaus. ( FACTA 312 ( c ), FCRA 623 ( a ) ( 8 ) ). This information has to be removed or I am going to sue XXXX for false inaccurate information. This needs to be done ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting you this CFPB Complaint today to let you know that you have failed to comply with the Federal Law, Fair Credit Reporting Act section 605b, and continued reporting the disputed items without completely verifying the disputed items you are reporting on my Credit File. Previously, I have been asking you to send me copies of proof of verification or any documents you found along your investigation to prove that the disputed items belong to me. And you have failed to do so, but I see here that the disputed items are still being reported on my Credit File! This is a clear violation of my consumer rights under the protection of the Fair Credit Reporting act! Once again, I need you to remove the following items off of my Credit File : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$690.00} XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. With you failing to send me copies of proof of verification or any documents, it should have been expected to have the disputed items removed from my Credit File, and yet you have failed to do so.
Product: Debt collection

North Shore Agency has sent us two notices that we owe {$13.00} for a magazine subscription we did not request. The notices do not:1. contain information on how to proceed if we do n't think we owe the money2 and we never received a validation noticeXXXX requirements as indicated at www.ftc.gov. 
Thank you!
Product: Money transfer, virtual currency, or money service

there has been many times where there would be fake companies taking out money from my Cash app. I have filed a complaint and asked them to reimburse me, but they told me to just block the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

These two XXXX XXXX XXXX Accounts were DELETED by XXXX on XX/XX/2019 from a recent investigation found Unverifiable by XXXX XXXX  XXXX. ( See attachment ) >>How can the same creditor be contradictory and state theses accounts are VERIFIED with TransUnion? Arent you getting the same information from the same data furnisher >>Account # XXXX Pay Status of >ChargeOff< but also reporting ontime payed as agreed. Please DELETE this account for erroneous reporting. ( See attachment ) >>Account # XXXXAn Original Charge-Off Balance {$720.00} higher than the Balance {$710.00}, never late but charged off and reporting a > ( {$5.00} ) <payment received >XX/XX/2019< on a Closed account Please DELETE this account for erroneous inaccurate reporting. ( See attachment )
Product: Checking or savings account

I need to know the status of the fraud claim XXXX I Never received any letter or correspondance about the status or updates. 
My acount is closed so I cant see anything related about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax several times about missing information on my credit report. I have two federal student loans with XXXX XXXX and I have three credit cards with XXXX XXXX. None of these accounts are on my Equifax credit report. This agency is withholding information which is a violation of the federal fair accuracy act. I would like my two student loans and all my XXXX XXXX   credit cards to be reported correctly immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've continued to receiving notice that XXXX has " Verified As Accurate '' all Us Dept of Education student items on my Consumer report. How are they saying Verified it belongs to me. First I've never disowned the ownership of the student loans I've simply tried excising my rights to Inquire information since these have been placed on my credit report. I can not get a great paying job even though I am college educated because I have 13 Student loans in Collections reporting inaccurate and incomplete. Theres a hand full of violations but XXXX continues to ignore my disputes and my factual disputes I've sent in. 

Student Loans are classified as Collections but reporting a " Late '' payment after being closed It's a violation to have a " Monthly '' payment being reported on a collection It's a violation to have a " Balance '' being reported on a collection It's a violation with the account is " Closed '' but activity continues being reported on a collection It's a violation to continue reporting " COL '' every month on a collection It is a Violation to continue changing my " Date of Last Activity '' all because the collector wants to illegally collect. 

1. US Dept. of Education XXXX 2. US Dept. of Education XXXX 3. US Dept. of Education XXXX 4. US Dept. of Education XXXX 5. US Dept. of Education XXXX 6. US Dept. of Education XXXX 7. US Dept. of Education XXXX 8. US Dept. of Education XXXX 9. US Dept. of Education XXXX 10. US Dept. of Education XXXX 11. US Dept. of Education XXXX 12. US Dept. of Education XXXX 13. US Dept. of Education XXXX Please tell me how and what you did to Verify? Please do a independent Investigation.. After you have investigated send me everything pertaining to the investigation.. If it's not thorough please Delete because this is killing my ability to provide for my family.. I have a new born son with no job, no car to get him to doctor appointments. 

No one with finance or extend credit with this being reported inaccurate and incomplete Please have empathy and do the right thing..
Product: Credit reporting or other personal consumer reports

ADRESSES TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Employers to be removed XXXX XXXX XXXX ADD CURRENT XXXX : XXXX XXXX XXXX INNACURATE ACCOUNTS XXXX XXXX XXXX XXXXXXXX BALANCE XXXX XXXX  XXXX HAS NO RESOLUTION TO PAY THE BALANCE. COMPANY IS CLOSED AND DOESNT ACCEPT PAYMENT... 
30 DAY LATE MARK XX/XX/year> PLEASE REMOVE XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX Account number XXXX Switched insurance from XXXX for cheaper rates and was charged 2 months and sent to collections.WILL PROVIDE PROOF PLEASE REMOVE
Product: Debt collection

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. 
CEASE AND DESIST- Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.

Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : XXXX out the balance on this account. 
Deletion from all consumer reports. Best regards, XXXX, XXXX 1. Name and address of alleged creditor. 
2. Name on file of alleged debtor. 
3. Alleged account # 4. Address on file for alleged debtor.

5. Alleged account # 6. Amount of alleged debt.

7. Date ( this alleged debt became payable ).

8. Date of original charge or delinquency.

9. Was this debt assigned to a debt collector or purchased?

10. Amount paid if debt was purchased.

11. Commission for debt if collection efforts are successful.
Product: Mortgage

My father died in 2012 and I have been paying on his mortgage under his name for the last 4 years that my fathers estate has been in probate ... ... Finally I am allowed to purchase the estate, I am financing through my credit union and they are requiring a purchase letter from Nationstar Mortgage, my loan is at the under writers and this is the last document they need from Nationstar ... ... .I submitted a request 4 days ago, I have called at least 20 times and keep getting different answers to fax numbers ... XXXX faxed his death certificate and the simple purchase letter that my FHA loan requires XXXX I have even faxed over my court papers stating that I have 30 days to finance the home or it will go on the market which is XXXX XXXX ( 2 weeks away ) ... ... .THEY ARE AVOIDING GETTING ME THE LETTER I NEED TO PURCHASE MY FATHERS HOME I HAVE BEEN FIGHTING FOR FOUR YEARS AND THOUSANDS OF DOLLARS IN LAWYER FEES. All I need is XXXX piece of paper stating the payoff amount and Nationstars signature is that so difficult???????????
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF INFORMATION
Product: Mortgage

Continuation of XXXX : Good afternoon CFPB, Continuation of the prior complaint. 

1. The current review by XXXX XXXX is insuffiencient. Mr. XXXX XXXX works for WF and I provided all the information to XXXX. He worked in the XXXX  XXXX office as a mortgage initiation office and was part of the team. The loan to value for the property was upside down, I tried to not close, discussed the matter with Mr XXXX. I was threatened with litigation by the XXXX  XXXX Team including Mr XXXX. The loan had no merit and put me in a uncomfortable position. The bank, Wells Fargo, was complicit and an active player in this freudulance process. 
2. The loan was reevaluated in 2017 a year after the judgement against WF and no mention was made to that judgement during a very arduous process with WF. As a feduciary, they have an obligation to their customers to disclose such items. That is fraudulent, and unethical.

3. Please explain why I received a check with an appology letter from Wells Fargo for their fraudulent activity regarding my loan. Please have WF provide a written document elaborating their fraudulent activity regarding the loan in question.

4. Please provide contact for legal representation with an appropraite legal office to deal with Wells Fargo. And the legal department at Wells Fargo to advance this issue professionally. 

Thank you, XXXX XXXX
Product: Debt collection

About 3 years after initial date of service I received a bill from the creditor. I contacted them and indicated I had insurance why did they not bill the insurance. They stated they did but an Explanation of benefits was needed. I asked what that was and was told I needed to pay the money and I could go argue with the insurance company they submitted the information once and that was all they were doing. The initial date of service was from  XXXX . Finally in  XXXX  of  XXXX  after arguing with the insurance company for two years I was able to get them paid. However, there was an outstanding balance of {$150.00}. {$70.00} was for no show fees. I explained I cancelled an appointment and went to an appointment. They were told they could not adjust the bills. I stated I would pay the balance minus the {$70.00} because I do not owe that. The appointment that was cancelled set me up for a   XXXX   XXXX   in the hospital for  XXXX  and the doctor said   XXXX   XXXX   first. That was their error and I should have done   XXXX   first. They stated they could not waive. Two weeks ago I got a letter from a collection agency. I stated the statute of limitations had expired and again I was willing to pay  XXXX  which is what I owe and did not have to because the statute had expired. I was told I either pay it or they will report me to the credit bureau. I told them the statute had expired and they could not do that. She stated that she could and would.
Product: Consumer Loan

I have had an account with DriveTime for over year now since XXXX XXXX, 2014. Since this time I have made monthly on-time payments via direct debit from my checking account. These on-time payments are not being reported to any of the credit bureaus. I 've contacted DriveTime about this issue and they told me they were having a dispute with the credit bureaus and once this was resolved my account would be reported. They also sent me a letter stating it would be corrected. As of today 's date this is still a problem and is causing an issue for me.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 XXXXXX/XX/XXXX