23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

To Whom It May Concern : I contacted Citi Bank on XXXX/XXXX/16 regarding my Double Cash card. I have a current billing item in a dispute due to the merchant charging me the incorrect amount. I noticed the item was charged back to my account as of XXXX, but have not received any notification as to why via E-mail or Mail. 

The first time I called, I was routed to a representative in XXXX who offered to transfer the call to the dispute department ( even though I said existing dispute in the IVR ). I was on hold for about 3 minutes and then the call was transferred to a message that advised the rep to take the call back because they were experiencing high volume and were unable to take the call. The line disconnected. 

I called back and asked for a manager. I was told there are no managers available. I then asked for a supervisor, who promised that I would get a call back within 48hrs. He took down my information. He was kind of rude, and I did n't like the way he handled the call. He denied me the ability to talk to anyone or anyone else. 

I called back once again and asked for a rep in the USA. The call was then transferred to a closed line. 

I called back a fourth time, and asked once again for a supervisor or someone in the US. The call was transferred to a closed line. 

On my fifth attempt, I called and was transferred to a closed line for the dispute department. 

Finally, on my sixth attempt, I got a rep in the XXXX who told me that there are no managers or dispute team members available due to high call volume and promised that I would get a call back in 24 hours. I explained to her that I have been disconnected and hung up on 5 times, and that I really needed to speak to someone.. She kept promising a call back. 

It has been 48 hours and my phone has not rang. I feel as if I am being discriminated against because I asked to speak to a representative in the United States. I explained to the reps that I was nothing personal, I just have had poor service and really need to speak with someone that will understand everything that I have gone through.. Since each one of the reps did n't even really apologize for the situation or how I have been treated. 

I honestly feel as if I have been mistreated and discriminated against for the billing dispute, as well as discriminated against for asking for an American employee. My calls were repeated disconnected or blind transferred to a closed line OR IVR with no reason or excuse as to why. 

I need to speak to someone about my dispute to understand why. I also need someone to help me understand why I spent over an hour on the phone only to get disconnected multiple times and hung up on.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, provided Citicard proof that payment was made for the full outstanding balance that was on the account. Proof was submitted by personal checking account bank statement and notarized letter from bank XXXX confirming same. Letter and supporting documents were sent certified mail.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX & Ally Bank is in violation of Missouri Laws 408.140 & 15 U.S.C. 1605 ( a ) and the T.I.L.A. in that the price of my vehicle was inflated to give a larger compensation to the dealer and the bank by adding charges ( GAP, Easy Care, Administration Fee ) to the amount financed instead of the finance charge. This is a violation of Truth In Lending Act ( T.I.L.A. ) because Regulation Z prohibits creditors from compensating loan originators for anything other than the credit extended and for steering consumers to unfavorable options for the sake of higher compensation. Fraud involves a false representation of facts intentionally designed to provide the Perpetrator ( person aware of information ) with an unlawful gain or to deny a right to a victim ( person not aware of information ). XXXX XXXX XXXX XXXX & Ally Bank is in violation of 15 USC 6803 T.I.L.A. ( Truth In Lending Act ) in that full details of Ally Bank policy are not comprehensible to affiant with a clear format and design for clear and conspicuous disclosures of policies and practices.This action of Dealer and Bank Fraud has caused damages in my financial forecast and life considering the time and effort it takes to save a portion of my income.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Reinvestigation and Documentation of Disputed Accounts Dear XXXX XXXX ( Experian ) I am writing to formally request a reinvestigation of several accounts listed on my credit report that I previously disputed, as they continue to cause damage to my credit profile. This request is made under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which mandates that you ensure the accuracy and completeness of the information reported on my credit file.

The accounts in question are : 1. XXXX XXXX - Account # XXXX ( Reported as of XXXX ) 2. XXXX XXXX - Account # XXXX ( Reported as of XX/XX/year> ) 3. XXXX XXXX - Account # XXXX ( Reported as of XXXX ) 4. XXXX XXXX - Account # XXXX ( Reported as of XXXX ) 5. XXXX - Account # XXXX ( Reported as of XXXX ) 6. XXXX - Account # XXXX ( last Reported as of XXXX Please reinvestigate these accounts to ensure they are accurately reported. Additionally, I request that you provide me with the names and titles of the individuals who verified these accounts during your previous investigation. 

After completing your reinvestigation, I kindly ask that you remove any accounts that are found to be erroneous or inaccurate. The persistence of these inaccuracies is undermining my ability to maintain a clean credit profile and to access credit opportunities. 

Thank you for your prompt attention to this matter. I look forward to your response within the timeframes stipulated by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX [ XXXX, XXXX XXXX XXXX ss # XXXX
Product: Debt collection

SCIL, INC., D/B/A SPEEDY CASH COMPLAINT FOR EQUITABLE RELIEF FOR VIOLATION OF SECTION 1 OF THE SHERMAN ACT, 15 U.S.C. 1 The aforesaid agreements unreasonably restrain trade and are illegal under Section 1 of the Sherman Act, 15 U.S.C. 1 Title 15 U.S. CODE 1 - Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal. Every person who shall make any contract or engage in any combination or conspiracy hereby declared to be illegal shall be deemed guilty of a felony, and, on conviction thereof, shall be punished by fine not exceeding {>= $1,000,000} if a corporation, or, if any other person, {>= $1,000,000}, or by imprisonment not exceeding 10 years, or by both said punishments, in the discretion of the court.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Last 4 of SSN XXXX & XXXX XX/XX/XXXX Credit Bureau Names TransUnion XXXX XXXX To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE BALANCE of {$4000.00} and written off balance of XXXX on XXXX and Transunion just show written off as bad debt XXXX Apps, opened XX/XX/XXXX the account also reflects multiple balance with is incomplete inconsistent and inaccurate This is a violation of the FCRA 15 usc 1681 ( I ) 15 usc 1681 ( n ) Civil liability for willful noncompliance 15 usc 1681 ( o ) Civil liability for negligent noncompliance 15 USC code 1681e Compliance procedures and is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be reinvestigated and permanently removed from my report. 
I await your reply as I have already waited 30 days and you have Failed to complete an complete investigation on this account Their is also false inaccurate incomplete Inconsistent payment history made so all three reporting agencies XXXX shows payment history within the last 24 months This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 
Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately Transunion shows no payment history within the last 24 months
Product: Mortgage

I saw my statement and it said that I had an interest rate until 2024 and I was confused. So I looked at my disclosures to see what that means and it says something about ARM. 
I was not aware that I had an adjustable rate mortgage. When looking closer the difference between the refinance of my original loan is {$20000.00} when my cash out was only {$2900.00}. 

I'm trying to account for where the money has gone and my closing disclosure has empty cost brackets. Half of the page is not printed. 

I also believe I only received one right to cancel disclosure. 

I feel I have been misled and taken advantage of.
Product: Mortgage

I filed a previous complaint and still have not received the requested information although complaint was closed without requested documentation. Please advise XXXX previous complaint
Product: Debt collection

XXXX is trying to get payment for things that were discharged By XXXX XXXX almost a year ago and proof is enclosed. XXXX put these charges in collections. Please stop them from doing this. They were informed these aren't my charges
Product: Debt collection

I was offered a settlement and paid it. Debt remains marked as open and owed on credit report.
Product: Credit reporting or other personal consumer reports

Subject Urgent Dispute of Unauthorized Inquiries on My Credit Report Dear Transunion, To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries listed on my credit report. Upon careful review, I found multiple entries that are erroneous and were made without my consent. These inquiries are not only inaccurate but also detrimental to my credit. 
I want to emphasize that I have not applied for credit with these companies, nor have I authorized them to access my credit file. This breach of my privacy is unacceptable, and it violates my rights under the Fair Credit Reporting Act ( FCRA ). 
I demand that you immediately investigate these unauthorized inquiries and remove them from my credit report. I expect a thorough investigation and a prompt resolution to this matter, as it is crucial for maintaining my credit integrity. 
Enclosed, you will find a copy of my credit report that highlights the unauthorized inquiries, along with any other relevant documentation to support my claim. 
Please acknowledge receipt of this letter and inform me of the outcome of your investigation within the timeframe stipulated by the FCRA. I appreciate your immediate attention to this serious matter. 
Thank you. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Yesterday, I received an e-mail from 5/3 explaining to me that I am enrolled in auto bill pay. I never enrolled or ask to be in this program, and it has been done without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX , XXXX . XXXX, XXXX XXXX, FL XXXX XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Dear Sir or Madam : As ofXX/XX/XXXX it is still displayed on all three of my credit report files, TransUnion, XXXX XXXX XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report. The items I dispute on the attached copy of the report I received.The information on XXXX XXXX XXXX Account number XXXX LISTED with a balance of {$93.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which
implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. XXXX, XXXX, XXXX, XXXX, XXXX. 

Sincerely, XXXX XXXX, Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a unknown charge on my credit score from XX/XX/2015 2015
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update all of my personal information on Equifax, XXXX, and XXXX. My only name is XXXX XXXX. My only address is XXXX XXXX XXXX, XXXX XXXX, SC XXXX and my only employer is XXXX XXXX XXXX XXXX ( XXXX ). 
There may be individuals that have the same information as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. Regardless there are forms of my name and addresses that should not appear in my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX of 2020, XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ( XXXX ) XXXX, ran my credit report three times. I only authorized one. After the first credit report was processed, they failed to ask me if they could run the report for different lenders. I feel that this is a violation of my rights. Since I did not authorize the other two inquiries, I would like two of the inquiries taken off of my credit report. In addition and more importantly, I feel that XXXX XXXX XXXX should be held accountable for failure to request my authorization. 

The banks that processed my credit were : XXXX XXXX  ( XXXX. XXXX  XXXX XXXX, UT XXXX ( XXXX ) ; XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ; and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX. 

Please advise on my rights in this matter. Thank you. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT. THE INFORMATION LISTED BELOW WHICH APPEARS ON MY CREDIT REPORT DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. IT IS THE RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX, after I review my credit report I found multiple erroneous information on it that did not belong to me. After reviewing with details I saw multiple addresses that did not belong to me, So, on XX/XX/XXXX, submitted documents to the credit Bureaus requesting to update my address and remove all other addresses that did not belong to me, unfortunately, after more than 1 year ago, I review my updated Credit Report and I noticed that they updated my address but they did not remove the rest of the inaccurate addresses on the XXXX and EQUIFAX report, I attached the file that included the addresses that I want to be remove, I am now, taking the extra step, because I really need these addresses off of my credit report.
Product: Checking or savings account

Company NETSPEN send me a debit card XXXX by mail without my authorization. 

I called this company and refuse to provide me additional information since they expect me to provide my social security first. 

I did not authorize the opening on this account. It is a fraud
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/24 RE : Rescission of Security Interest and Revocation of Authorization - Vehicle VIN : XXXX To Whom It May Concern, I, XXXX XXXX , acting as the Agent of XXXX XXXX XXXX , am writing this letter to formally rescind the security interest previously granted in connection with the New Jersey XXXX XXXX XXXX XXXX XXXX XXXX : Mercedes-Benz XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX ) pertaining to the vehicle identified by VIN number XXXX. 

Specifically, I hereby revoke the security interest previously granted under the provisions outlined on Page 9 of the lease agreement, specifically in section 35, subsections ( 1 ), ( 2 ), and ( 3 ). This includes any authorization for Mercedes-Benz Financial Services ( MBFS ) to receive refunds of unearned premiums or charges on my behalf and apply them against the amount owed under the lease. 

Furthermore, I hereby revoke the power of attorney granted to MBFS as listed on Page 9, Section 36, to act on my behalf in any insurance/coverage matters related to the vehicle, including the endorsement of insurance proceeds checks or drafts and the cancellation of optional insurance/coverage financed under the lease. 

Additionally, I revoke the Vehicle Location Consent as outlined on Page 9, Section 37, thereby withdrawing any consent for MBFS or its agents to obtain data from the vehicle, including its location, and to use such data for the purpose of locating the vehicle, including for repossession. 

Moreover, I hereby rescind any security interest granted to Mercedes-Benz XXXX XXXX XXXX Mercedes-Benz Financial Services XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to be beneficiaries of my credit life insurance. 

Finally, I revoke any security interest from the title of the aforementioned vehicle. 

Please consider this letter as formal notification of my intentions, and kindly confirm receipt of this correspondence. Additionally, please ensure that all relevant parties are notified of the changes outlined herein. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XX/XX/XXXX SS : last 4 - XXXX INPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions. '' Under 15 U.S.C 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.

Please update the following accounts as paid, never late.
Product: Credit card or prepaid card

Citigroup has no business threatening law abiding business owners for exercising their Second Amendment rights. The only reason that Citigroup is even in business today is because American taxpayers bailed them out during the Great Recession, said XXXX XXXX. Instead of imposing its political agenda on the American people, Citigroup ought to be finding ways to help these mostly small businesses grow. Citigroup certainly shouldnt be threatening their Constitutional rights.
Product: Mortgage

I entered into an agreement to build a home with NVR back in XXXX of XXXX. They broke ground in XX/XX/XXXX. I was tentatively approved for the loan back in XXXX, hence why they broke ground. On XX/XX/XXXX, one of the loan processors reached out asking for my most up to date pay stubs amongst other things. When I sent my most recent paystubs they asked why there were practically no taxes taken out. This is because on XX/XX/XXXX I became XXXX statutory for my employer, which means that I am an employee of XXXX, however I am able to write-off my business expenses. 
Closing was scheduled for XX/XX/XXXX at XXXX... I went back and forth back and forth, having to provide XXXX signed documents from myself, letters from my HR, letters from my boss, all saying the same things, that my pay has not changed at all, nor have my expenses, just that I get to now write-off the same expenses I had. All the while I was working with the loan processors during this 4 week span, they never once said to me that in order to qualify for a QM you have to have at least 1 year of XXXX  statutory. They ONLY said that there is an issue with the fact that I have only been XXXX stat for 2 months. Friday XX/XX/XXXX came and I was still not approved. Monday morning XX/XX/XXXX came and I was still not approved. Only at XXXX when we were supposed to be at settlement we find out that FINALLY the matter has been escalated to a Senior Underwriter. While the movers were at my old residence since XXXX, my loan processor said to plan on a XXXX settlement. XXXX came and I was told by this loan processor to sign the docs, but there was a hold up in being able to find someone to buy the loan off of NVR . Once my wife and I signed the docs, they collected my {$100000.00} which was wired to them earlier that morning, confirmed recieved, and the notary signed off, the docs were sent back to NVR. NVR then responded to the notary to NOT RELEASE THE KEYS to the buyer ( myself ). We have been homeless since Monday, and I have XXXX  kids. I have not been able to work since Thursday with all of this stress that has come from the uncertainty. Here we were. Tuesday XX/XX/XXXXXXXX XXXX XXXXXXXX and we still do not have word on whether we have the ownership of the house. We have to keep staying at a hotel with no idea what is to come. The issue is not the approval, the issue is that the incompetence of the underwriters sitting on the decision for a MONTH before it was escalated, and waiting till actual settlement day, is what has put me and my family through an INCREDIBLE HARDSHIP. We are beside ourselves, and this has completely ruined what should be a joyous time in our families lives. We are considering legal recourse with my family lawyer.