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

Citibank is intentionally delaying posting of payments received when account is in interest-earning mode. My experience has been that payments are posted quickly when the account is earning them no interest. I'm accustomed to payments appearing on my citibank account within about four days of mailing them, when account is not earning interest.

But when I do not make full payment and account begins earning interest for Citibank, payments suddenly start taking up to two weeks to post. When they are posted, they are sometimes backdated a day or two. That leads me to believe they're not posting until payment clears my bank, which is a separate issue. But even backdated a day or two, they are still posted to my account quite tardily. 

Furthermore, Citibank has many locations where they can process my payments, yet they force me to send them across the country to XXXX, AZ. Do California customers mail their payments to Citibank 's NJ location? 

All of this adds up to Citibank manipulating customers to get them to pay interest which Citibank is not rightfully owed. 

At this time, I am waiting for Citibank to post payments which were mailed on XX/XX/XXXX : Check XXXX for {$3900.00} and XXXX for {$19000.00}, Please : a ) Cause Citibank to post the two payments today that they have had in their possession for several days, b ) Take long-term action to force Citibank to cease manipulating payment locations and timing to exploit customers and earn improper interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon challenging XXXX XXXX XXXX - XXXX ; account XXXX and XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with Transunion they have verified this same account as accurate. But how is that possible if the Last reported is inaccurate, Date of Last Activity, Date Opened is inaccurate and Date of last payment is inaccurate. Are they not practicing Metro 2 Compliance? This is a clear FCRA violation and is grounds for deletion. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true Once again I am requesting the information you used to verify this account in writing. Ive asked for this information several times but Transunion has failed to provide any documentation. Once again please provide 1. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for ; 2. Provide 1099c and credit insurance ; 3. Provide original signed contracts with me and American First Fin ; 4. Provide payoff disclosures, interest rate disclosures ; 5. Provide collections ; license number and court documents that allow XXXX XXXX XXXX- to continue to pursue this debt in Florida ; 6. Provide documents that states this account was purchased or are you collecting on the original account holders behalf. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all inaccurate information. '' Also In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 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 an account without my written instructions
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 15 USC 1681. 

Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # 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 states : 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 seven years.

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

Dear Sir or Madam, I am writing to formally dispute three collection accounts that appear on my credit report. I believe these accounts contain inaccurate information and violate my rights under the Fair Credit Reporting Act ( FCRA ).

According to Section 1681s-2 ( a ) ( 3 ) of the FCRA, a debt collector is prohibited from misrepresenting the identity of the creditor, specifically stating that they are the original creditor. In reviewing my credit report, I found that the collection agencies for the following accounts have inaccurately stated that they are the original creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Collections Services These misrepresentations not only violate the FCRA but also harm my credit standing and my ability to secure future credit. Therefore, I request the immediate removal of these accounts from my credit report due to this illegal activity. 

I have attached the relevant documentation regarding these collection accounts for your review. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of my dispute. 


Attachments : Collection Documentation
Product: Credit card

I have a government travel card. I was on travel from XX/XX/2023 to XX/XX/2023 in XXXX, Arizona. While there I attempted to use the ATM for a cash advance but the machine was not working, and did not dispense funds. On XX/XX/2023 I was at work in Maryland when I received a notice of a declined transaction, over the spend limit. I didn't recognize the amount, and called Citibank to report. They closed the card, and issued me a new one. I contacted Citibank many times, to resolve and offered to provide proof I was not in Arizona during the charge times. They asked me to contact the ATM vendor, which I did. The ATM vendor confirmed the machine was out of service during my stay, however noted that their records were in balance the first time I spoke to them, and the second was that it's too far back to verify. Citibank investigated and because a chip card and pin was used, they are saying I'm responsible and they have sent me a letter notifying me of the such. I did not withdrawal {$480.00}, and am not responsible for this issue. 

I did speak with a person named XXXX who said my complaint was not filed correctly, and apologized for the mis-handling of this issue... but the result was the same as prior. I have not been able to contact him directly since.
Product: Consumer Loan

I purchased a vehicle XX/XX/XXXX so I have been making payments a while now. I started noticing misc. fees and late charges on my account statements. I called and asked about the charges and found out apparently Santander Consumer USA does n't allow customers with a simple interest loan any grace periods for any reason. I was unemployed XX/XX/XXXX so I had several late payments. I also had to defer a few payments during that time. They continued charging me late fees even though they excused the payments and allowed me to defer. I called recently to try and resolve the old late fees, but they 're refusing to remove them. It 's over {$400.00}! I 'm so fed up with their unfair practices, which makes me think they 're not following the law. I also noticed that my payments are n't being properly allocated, which leads me to think they must be pyramiding, which is a violation and considered unfair practices. How will I ever pay off this loan if most of the money continues to be put towards interest and not the principal?? I asked them, and they told me a computer calculates the percentage distributed each month not a real person. As if that were to make me trust them? The agent I spoke to said the type of loan I have calculates a daily interest rate based on how many days apart each payment is. So the closer I can make payments and the sooner ( before the due date ) the higher the amount towards the principal will be. Again, are they following federal consumer laws? I just feel this company is getting away with murder and using people like me to make money. I already pay over 18 % in annual interest which ends up being daily interest. So I will pay over XXXX in interest alone plus the amount I purchased to car for. See attachment. It shows price of vehicle plus estimated interest. I am being robbed, literally!!!!! I bought the car for XXXX, so after interest and taxes it 's closer to XXXX!
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed ITEMS, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following ITEMS from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax due to lack of investigations being done. I am writing regarding some charge-offs being reported on my credit report for the following accounts 1. XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX  4. XXXX XXXX XXXX XXXX XXXX  5. XXXX XXXX XXXX XXXX. I recently received a Form 1099-C indicating that the debt has been canceled. Given this cancellation, I kindly requested that they update my credit report to reflect this change and remove the charge-off status associated with these account. The cancellation of the debt should be reflected in my credit history, and I believe this will help improve my overall credit score. However, I havent received any updates regarding the removal of the charge offs.
Product: Mortgage

XX/XX/XXXX as was looking to consolidate my mortgage and my equity line. Knowing this was going to put me near loan to value I specifically asked XXXX XXXX, Doscover Home Loans Officer, about the mortgage insurance. I was assured that it would automatically drop off after five years. Now I 'm told he lied to me by XXXX and that I will have to pay it until XX/XX/XXXX unless I pay the mortgage down to XXXX. I have the specific emails where this was discussed. He even added that it could possibly come off after XXXX but only if I have the loan value down but assured me that after 5 years it would drop automatically. Attached is the email. Now I am stuck paying mortgage insurance for a long time and negating the savings of combining my to loans. It appears that this was possibly just someone trying to close deals to meet quotas and not being concerned about the customer. And yes I am now show. The document I signed at closing. While I am sure the closing attorney XXXX XXXX went over this document I had already made sure I was up to date on the mortgage insurance issue by discussing it in detail with the loan officer. I would like to know what my options are.
Product: Debt collection

I reached out to the company and haven't received a response. The account they are reporting on my credit reports is inaccurate. There is NO balance owed to this company. The balance they are reporting is an error. The original creditor was paid
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Reported : XXXX XXXX, 2023 Is a violation of my rights A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.this account is in bankruptcy from the creditor I was only a co-signer. That account is being payed full shouldnt never reported a delinquent status on my report period it not even on the creditor report whos in bankruptcy.Also if the account status been closed with or without a balance it shouldnt report a balance higher than it was on the date closed after any closed date on any account that would mean the account never closed which makes the information inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, Ocwen Loan Servicing provided me with a Lien Release and a XXXX for the Discharge of Debt on my 2nd mortgage. 
Prior to XX/XX/XXXX, I paid the full reinstatement amounts required by Ocwen, however, the payments were not recorded accurately or timely on my loan which resulted in additional reoccurring late charges on my account. 
Some of my dates/amounts of wire transfers to Ocwen are XX/XX/XXXX for {$1300.00} and XX/XX/XXXX for {$460.00} and {$430.00}. The dates and notices of short sale and foreclosure were also not in compliance with regulations. 
Ocwen attempted to rectify the errors by providing me with a Lien Release due to their litany of violations. However, they are still reporting my loan as a Charge-off, with excessive late payments. This Charge-off or Short Sale is preventing me from closing on a mortgage now. The entire Ocwen account needs to be removed from my credit report due to their own errors.
Product: Debt collection

I just turned XXXX in on XX/XX/2017. I wanted to start building credit and i noticed that I have a collection account on my credit report being reported by ERC. I never had any accounts to have a collection I was a minor! 

I don't know why this company has my name but I have no knowledge of this account. I was never given any notification of this account but it's been reporting for years and my credit is being damaged before i could even have credit
Product: Credit reporting

Experian is reporting on my credit report under a account that is not mine : XXXX XXXX BANK. On XXXX/XXXX/2016, I requested Experian to validate this information with XXXX XXXX BANK and provide me with copies of any documentation associated to this account, bearing my signature! ( see attached letter ) sent USPS Certified item number XXXX delivered on XXXX XXXX, 2016 at XXXX ( see attached ). I, again sent another letter to Experian USPS Certified Mail item number XXXX delivered on XXXX XXXX, 2016 at XXXX ( see attached ). Experian has failed to provide ANY documentation bearing my signature! As per the Fair Credit Reporting Act section 623 ( a ) ( 3 ) Experian had 30 days to complete this investigation! They have failed and have now violated federal law. ( see credit report dated XXXX XXXX, 2016 proving their violation attached ) : 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. I am sending one more letter dated today XXXX/XXXX/2016 with this complaint attached.
Product: Credit reporting or other personal consumer reports

Dear Equifax Consumer Services, I am formally requesting immediate access to my Equifax credit report, which has been unavailable despite multiple attempts to obtain it. I have called your customer service twice, each time enduring wait times of over XXXX minutes before speaking with a representative. Despite these efforts, my issue remains unresolved. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, I have the legal right to access my credit report upon request. Equifaxs failure to provide this access in a timely manner may constitute a violation of federal law. This prolonged delay is not only inconvenient but also prevents me from reviewing and verifying the accuracy of my credit informationa fundamental consumer right. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, I have the legal right to access my credit report upon request. The continued failure to provide me with access may constitute a violation of federal law. I expect Equifax to immediately resolve this issue and grant me access to my credit file without further delay. 

If I do not receive access to my credit report or a written response within XXXX  days, I will be exploring any additional legal remedies available under the FCRA. 

Please treat this matter with urgency. I expect Equifax to uphold its legal obligations to provide consumers with access to their credit information. 

Equifax XXXX XXXX - XXXX # XXXX Called again on XX/XX/year>
Product: Debt collection

XX/XX/XXXX I had to get some dental work done and I got a care credit card loan amount was {$2500.00} I spent XXXX in XXXX. I had a 18 month time frame to pay it off I paid it off in my date month which was XX/XX/XXXX in care Credit statements is says that they will not charge interest if loan is paid in full in time. Well they 're trying to charge me interest and then they sold it to XXXX XXXX and I will not return my phone calls or send me anything do n't even contact me but the loan was paid in full in a 18 month timeframe I do not owe them anything and I have ALL the RECEIPTS to prove that I paid off over {$2500.00}, the exact number is. XXXX dollars was paid to XXXX BY ME. THEY 'RE CROOKS AND THEIVES ... ..SCAM ARTIST 'S. I HAVE TRIED TO SEND MY PICTURE OF MY RECEIPTS 6 DIFFERENT TIMES AND IT KICKS ME OFF .... PLEASE HELP ME
Product: Credit reporting, credit repair services, or other personal consumer reports

According to sec 611 ( 15 u.s.c. 1681 ) i and metro 2 compliance standards I have the right to challenge all inaccuracies and deficiencies of reporting. The information that is being furnished was never certified to be conformity with reporting standards. The preceding data was never proven to be exact, complete, up to date or validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Formerly, I made an investigation regarding some items with inaccurate information and after checking your response I recognized that some items are still incorrect, with a confirmed status. Please correct the following items : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX OF XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date XXXX inquiry : XX/XX/XXXX, XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureau TransUnion to investigate my credit report for inaccuracies and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ).

I received the investigation results as verified and it is not possible due to the multiple errors. TransUnion did not do a complete investigation to verify the information as accurate. 

I am entitled to an accurate credit report. How is it possible that the listed accounts were validated, accurate and investigated if the reported information is wrong and a violation which is cause to be deleted from my credit report. 

I have enclosed documentation proving multiple violations. All information regarding the all of the closed XXXX XXXX XXXX accounts, closed XXXX XXXX XXXX, closed Indigo accounts which are inaccurate on my TransUnion credit profile which is a violation of the Far Credit Reporting Laws. A previous credit report and updated credit report is enclosed. 
These violations are holding me back from getting funding for my business, its hurting my car loan rates and payments. TransUnion is violating my rights by not doing a complete investigation. 

15. U.S.C 1681 section 602 A. States I have the right to privacy.

15. U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 seven 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX-Debt final Rule 1002.142 ( b ) ( 4 ) -51002,142 ( b ) 7, I kindly request that you block this information from my credit report within four business days pursuant to section 605C of the Fair Credit Reporting Act I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed Accounts to be blocked and deleted company information Equifax .Please delete the following Account XXXX XXXX  Account Number XXXX XXXX XXXX i Account Number XXXX XXXX XXXX Account Number XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I deposited 3 USPS Money Orders to Capital One Bank. The total was XXXX. One USPS Money order for {$500.00}, and two for {$1000.00} each. On XX/XX/XXXX I recieved a charge back for {$1000.00} and the bank says that one of the money orders was counterfiet. I verified the serial numbers by calling USPS and they confirmed the serial numbers were in the system for the correct amounts. When I deposited my 3 money orders I verified the hologram and the security markings on the money order before depositing. The bank is refusing to acknowledge that they made a mistake and classifying my money order as counterfiet and is refusing to provide me with the original money order for {$1000.00}. Instead the bank gives me a legal photo copy of the money order with the words COUNTERFIET written on it. They are refusing to look into the matter further and are unwilling to fix their mistake. I know the money order was real. They wont disclose why they think the money order is counterfiet are not unwilling to help with the matter. I have tried talking to serveral supervisors in customer service as well as the legal team and no one can explain to me how the money order was flagged as counterfiet. I am out XXXX due to this mistake on their end and they are not working with me to correct it.