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

XX/XX/XXXX signed into Citi account and found 8 fraudulent transactions. Called Citi Fraud, spoke with XXXX. She disabled that card and promised to overnight new cards, as we needed for upcoming purchase. 
XX/XX/XXXX new cards arrive. Login to Citi to activate, to find fraud alert. Talk to XXXX at Citi, who tells me that new cards had to be cancelled also, as 2 fraudulent transactions were posted on XX/XX/XXXX. Told her I thought those were part of the 8 original fraudulent transactions that likely were mistakenly transferred to new card, but to be safe, XXXX cancels card, and promises to XXXX  a second set of replacement cards. 
XX/XX/XXXX new cards haven't arrived. Call Citi, speaking to XXXX, then XXXX, then XXXX, all of whom seem to be confused and can't figure out if the first replacement card was ever cancelled, but they do seem clear that the ( second ) replacement cards promised by XXXX were NOT actually sent. I ask to be forwarded to someone in the XXXX, as the communications seem very scrambled. Speak to XXXX at Citi-XXXX  XXXX who says it looks like the first replacement cards are good. She puts us on hold to speak with her Security center to be absolutely sure ( would be embarrassing to us if she's wrong ), then comes back and tells us we are good to go. 
XX/XX/XXXX Login to Citi, and find that yet another card number has apparently been issued. Call and speak with XXXX. She says Citi records show that, after we spoke with XXXX on XX/XX/XXXX, my husband spoke with someone else at Citi and asked that the second replacement card be cancelled and replaced. This is ABSOLUTELY NOT TRUE ... this call never took place! Not sure who they talked to, but it wasn't my husband or me. XXXX tells us that another set of replacement cards were mailed on XX/XX/XXXX. 

This customer service group is so scrambled. They can not keep their facts straight, they give conflicting information, and cancelled the replacement cards and mailed new ones without giving us any notice, and after assuring us repeatedly that the first replacement card was good. And their records indicate they cancelled the first replacement card at my husband 's request, which is not true. Citi 's websites make it impossible to complain to anyone directly. All phone numbers lead to long wait times only to speak with people who try to help, but are relying on scrambled and inaccurate information.
Product: Credit reporting or other personal consumer reports

My information was leaked & some identity theft took place I reported & disputed it numerous times but it has never been investigated and dissolved despite multiple attempts
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has not updated the XXXX XXXX tradeline. XXXX XXXX has agreed to remove the late payment as of XXXX/XXXX/2017. The tradeline has not been updated by transuion in over a month. The balance need to be updated and the late payment needs to be removed as well. I have attached the correspondence from XXXX XXXX
Product: Mortgage

XX/XX/2016 we paid {$20000.00} in escrow account. I received a refund check for {$6600.00}. Our insurance is {$1300.00} per that year and our taxes were around {$3200.00} that year. This left as balance for XX/XX/2016 for over {$9000.00} that no one can account for. I want this investigated I have the proof of papers showing everything I talked about.
Product: Debt collection

I need your help to stop this deceptive practice and fraud for bills that I did not own. I always asked the Lab for insurance cover/billing before any service was performed and was told yes/accepted. 
I was told it is covered 100 % with no co-pay and will be billed directly to the insurance company. Instead of sending the bill to XXXX XXXX XXXX send my name to Credit Control , LLC for collection to hammer my good credit for no good reason. I understood it was paid when I told the doctor 's office XXXX XXXX months XXXX XXXX sent me a bill of {$110.00} since XXXXXXXX XXXX. I called the number provided in bill XXXX XXXX many times always a voice mail with never return calls. 
XXXX XXXX XXXX office confirm it was covered 100 % before sending me to this Lab. Also, I contacted XXXX and confirmed it was covered as part of the annual check-up and paid. 
This type of deceptive practice and fraud for more profits need to be stopped, business-like XXXX XXXX must face consequences for rip-off many XXXX  like me. 
Thank you for all your help and I am looking forward to hearing from you.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/2023 Dear Sir/Madam, I am writing to express my extreme dissatisfaction and concern regarding a recent issue I have encountered with my Chase bank account. I have been a loyal customer of Chase Bank for years, and I have always trusted their institution for its reliability and customer service. However, I am deeply disappointed by the way my recent concern has been handled, which has had a severe impact on both my study and personal life. 

On XX/XX/2023, I discovered that my bank account had been unexpectedly blocked without any prior warning or explanation. This sudden action has caused significant distress and inconvenience, as the funds inside the account are essential for my day-to-day activities, including work-related transactions and personal expenses. And I am only a student, so I really need the money. 

I promptly contacted their customer service department to seek clarification on the matter. To my dismay, I was informed that my account was under review due to unspecified reasons and that the standard review period, which used to take XXXX week, has been extended to an astonishing XXXX months. This unexpected and unjustifiable delay in resolving the issue has left me in a precarious financial situation, hindering my ability to carry out my professional responsibilities and meet my essential needs. I have over {$1000.00} hold by them and it is the money I wish to use to apply for a school, now without this money I cant apply for the school and it is almost past the deadline that I could turn in the money and application. 

I kindly request a thorough and immediate investigation into the circumstances that led to the freezing of my account and the subsequent prolongation of the review period. I urge them to provide me with a clear and detailed explanation of the reasons behind this action. Additionally, I request that my account be reinstated without further delay, allowing me to access my funds and resume my normal activities. 

Furthermore, I expect Chase Bank to compensate me for the losses and inconveniences I have suffered as a result of this situation. The undue stress and financial hardship caused by this incident require redress, and I trust that CFPB, a reputable institution, will take swift action to rectify this matter. 

I appreciate your prompt attention to this urgent issue. I expect to receive a satisfactory resolution soon of receiving this letter. 

Thank you for your immediate attention to this matter. 

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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

We had to take Solar City/ Tesla to Small Claims Court in XXXX County , Ca on XX/XX/19, as their Solar System wasn't producing the power per the original contract. We won the case and XXXX County Superior Court Department XXXX, cancelled the contract with Tesla/Solar City. Judge asked Tesla to pay us {$4100.00} in Damages or remove the panels/fix the roof. Tesla chose to pay us {$4100.00}. We thought everything was over. Tesla continues to harrrass us by not removing the fixture lien from our title and they added another fixture lien in XXXX. Tesla is retaliating aganist our family for us taking them to Court. We can't even refinance our house at this time due to these fixture liens. Very unfair and unethical..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) A Section 2 : It also states a consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

5 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I was contacted by my bank due to refinancing our house. The bank stated I.C.Systems had a collection on my credit report. 
I called I.C. Systems and spoke with them. I ended up paying the amount of XXXX after explaining that this was not correct and I never had XXXX XXXX I paid simply for the fact to get this off my credit and so my bank could proceed. I did not understand at the time that I needed a deletion letter from the company. 
I called I.C. Systems back and asked for a letter which they could not provide. I then spoke to a supervisor and told her my situation and asked for a letter. She ( XXXX would not provide a letter. The debt was paid and I only needed a letter to give to the bank to continue my loan. I.C. Systems would not provide this and I feel this is not how you treat a victim of possibly Identity Theft. 
I then called XXXX XXXX and spoke to XXXX different associates including an Identity Theft Investigator who also stated the process will take 6-8 weeks. I am currently having a police report competed and filling out the XXXX XXXX Affidavit. My concern is that neither XXXX of these business have a protocol in place for victims. A victim should not have to wait weeks or months to get a simple letter on letterhead.
Product: Credit reporting

I have XXXX Judgments listed on my reports from XXXX Dist Ct - The XXXX. These judgments have been paid since last year. XXXX and XXXX were able to update these items to paid in a timely manner with no help from me. Experian, however seems to have some kind of difficulty actually checking public records to see if they match their records, as they have twice refused to update these XXXX items to paid status. This amounts to willful noncompliance with FCRA. Under the law, if the furnisher of information can not or will not update the information to correct errors the information must be deleted. FCRA 607 ( b ) - 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. 
Experian and/or Experian 's paid agent ( their furnisher of public information items ) has failed to follow the requirement of 607 ( b ) TWICE. Clearly Experian is unable or unwilling to verify this information. Under FCRA 611 ( a ) ( 5 ) ( A ) - If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate ... 

Since Experian and/or their paid agent have failed to properly verify a public record that has been verified by XXXX and XXXX, I can only assume they are being willfully non-compliant. Because these XXXX items not being listed as paid makes me ineligible for a mortgage I have been significantly harmed by this action. Under FCRA 616 ( a ) : Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 

The loss of the ability to obtain a mortgage harms me greatly, far in excess of {$1000.00}. 

Experian and/or their paid agent ( the furnisher ) must immediately update or delete the entries if they can not /will not verify them. Failure of them to do so for a third time will result in my pursuing legal action against them for willful non-compliance. 

If necessary I will obtain the court abstracts as proof of the judgments being satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a police report, disputed with all credit bureaus
Product: Mortgage

Rushmore Servicing company took over Rushmore mortgage. I had XXXX XXXX insurance and then 2 years ago switched to XXXX XXXX. Rushmore Servicing doesnt show the changes and now putting into my escrow account over {$4000.00} that I must pay. I had XXXX XXXX to verify that the insurance was paid for and I had coverage. I tried to reach Rushmore Serviceing and all I get is automation. The automation doesnt have a selection to help me. Ive tried different numbers and they have the same automation. I need to speak to a representative to get this resolved because my insurance payments have gone up {$300.00} plus dollars. Ive never dealt with a company that doesnt have a live person.
Product: Mortgage

I have missing escrowfundswhich my mortgageservicers refuse to account for. I had a mortgage serviced by Specialized Loan Servicing ( Loan # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) that was transferred to XXXX XXXX XXXX Loan XXXX ) in XX/XX/XXXX. 

When the loan was transferredto XXXX XXXX {$5800.00} in escrow funds were not transferred. At the time of transferthere was {$6800.00} in escrow and only {$960.00} was sent to the new servicer XXXX Specialized Loan Servicing refuses to say why they only partially transferred my escrow ). I have attached the escrow accounting from XXXX showing this. XXXX then shows {$5800.00} as a miscellaneousdisbursementbut neither I nor the new servicer have receivedit. 

I have attached my first statement from XXXX XXXX showing only XXXX in escrow funds. 

Specialized Loan Servicing is stating that they no longer have a responsibility to open an inquest into these funds as they no longer have the loan ( although the transfer was only in XX/XX/XXXX ) and XXXX XXXX is stating it is not their responsibility as Specialized Loan Servicing was responsiblefor transferringthe funds. 

SLS is also stating that they no longer keep records pertaining to prior loans and can not research this item although it just happened a few months ago. 

This is the second escrow discrepancy over XXXX I've had with Specialized Loan Servicing and per my bookkeeping my other loans ( XXXX in number ) have various missing funds. I submitted written requests ( submitted XX/XX/XXXX ) for escrow accounting for these loans but Specialized Loan Servicing says as they are no longer the servicer they don't have these records ( even though the loans were transferred in XXXX ). 

These are the other loans I submitted a written request for escrow information from SLS for but was denied : Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Loan XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Loan XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Loan XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Loan XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Loan XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute several fraudulent hard inquiries on my credit report. I recently checked my credit report and noticed that there are several inquiries that I did not authorize or request. These inquiries are negatively affecting my credit score and I would like them removed immediately.

I did not apply for any credit or loans during the time that these inquiries were made. I have never authorized any company or individual to check my credit history without my permission. Therefore, I believe that these inquiries are fraudulent and should be removed from my credit report.

Please investigate these inquiries and remove them from my credit report as soon as possible. I also request that you provide me with a written explanation of how these inquiries were made and how I can prevent such unauthorized inquiries from happening again in the future.

I understand that it may take some time to investigate this matter, but I appreciate your prompt attention to this issue. Thank you for your cooperation and assistance in resolving this matter. 

The inquiries : XXXXXXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion  XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

All of XXXX and continuing into XXXX, XXXX and Transunion refuse to follow all USA Federal Laws and State laws for Identity Theft and Fraudulent Credit Card Take Over is credit card fraud to block and delete both XXXX XXXX credit cards # XXXX & # XXXX. 
XXXX XXXX has laced false line entries on both XXXX XXXX credit cards # XXXX & # XXXX and has stolen my XX/XX/XXXX {$100.00} XXXX XXXX mobile app payment to card ending in # XXXX. XXXX XXXX has posted false line entries for false payments to get interest and late fees 2 to 3 months later and XXXX XXXX has moved my payments back and forth between both credit cards to create interest and late fees. THE CARDS ARE CLOSED because of XXXX  XXXX compromising both # XXXX & # XXXX XXXX XXXX credit cards is FRAUDULENT CREDIT CARD TAKE OVER AND IDENTITY THEFT. XXXX XXXX continues to post false line entries to get interest and late fees after the XX/XX/XXXX both credit cards CLOSED is credit card fraud. XXXX XXXX has stolen XX/XX/XXXX {$100.00} XXXX XXXX mobile app payment to card ending in # XXXX THREE TIMES ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX and charged interest and late fees illegally ). NOT FCRA and violating Fair Credit Billing Act and the AZ Consumer Fraud Act ARS 44-1522 and ARS 13-2008. 4 FTC Identity Theft Reports, XXXX Police Report and all the laws all 3 parties have violated are attached.
Product: Debt collection

Hello, Honor Finance is absolutely NOT permitted to call my work, and I have sent that in writing several times as well as expressed that via telephone. I received a call on XX/XX/2016 at XXXX regarding my car loan where the caller used deceptive practices to be transferred to my classroom during school hours. The receptionist thought she was a parent because of how the caller presented herself and the nature of her call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a settle in full offer by email from american express, regarding account ending in XXXX, on XX/XX/20. The settlement offer had indicated : if I pay {$180.00} by XX/XX/20. the account would be adjusted to settled in full. On XX/XX/20 I called XXXX, Which is an XXXX XXXX  office, and discussed settling the account. The Representative had indicated an immediate payment of {$160.00} wound be sufficient to settle the account in full. I made the payment on the phone with my checking account. On XX/XX/20 American express updated my credit report to reflect the {$160.00} payment, however they marked it as charge off, therefore my credit score tanked 14 points. I was in the process of refinancing and this cost me substantially. 
I called the previous phone number, the Representative confirmed the account was settled in full, and connected me to the credit reporting department. Here 's where it get interesting. 
American Express credit reporting department confirmed they knowingly, inaccurately updated my credit report and explained this is American Expresses policy. I asked in detail, why would my report show the payment, as charge off? the answer : after we receive the payment american express waits 20-30 days before updating the status of the account. I said, but American Express went in, and updated the payment amount on XX/XX/20 and inaccurately changed the status as charge off, instead of settled in full. I indicated to the Representative : you have a responsibility to accurately report the status to the credit bureau. I then opened a dispute through the credit reporting agencies. American express again, refused to accuracy update the account status. Please direct this illegal policy to end
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate : Subject : Formal Dispute of Inaccuracies on My Credit Report I am writing to formally dispute several inaccuracies that I recently discovered upon reviewing my credit report. These discrepancies are significantly impacting my ability to access credit facilities. As per my understanding of your procedures, I request that you thoroughly investigate these items to ensure their accuracy. 

Below, I have listed the specific items that I am urging you to verify for accuracy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I appreciate your prompt attention to this matter and your commitment to maintaining the accuracy of credit reports. Please inform me of the results of your investigation once it is completed. 

I would like for the items to be investigated and corrected