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

On XX/XX/2017 a letter was sent by myself to CitiBank regarding a credit card that we were having trouble keeping up on the payments. We were working with an advisor who told us to send a letter about the situation and and ask to speak with them. Part of the letter sent is attached. The other portion just stated our hardship and we were looking to work with Citi to get this situation resolved. We did receive a letter back and all it stated was to call them. I began calling on XX/XX/17 when the letter arrived. I have attached my call log but also provided a summary here. I was never allowed to speak with anyone regarding the account. Each phone call I was just told account was under review and given a date as of when to call back. When I called back at each date given, I was told once again account was in review, no one could speak with me. The date to call back just kept getting later in the month. In total, 5 phone calls were made by me and I was never spoken to about anything regarding the situation. The ID numbers provided by the representatives who answered the phone are also provided in the log I have attached to reference each call. On the last call XX/XX/2017 I was told the account was sold. They would no longer speak with me. This was not even to the date of XX/XX/XXXX that they said would be when to call back. I just kept calling even before the dates given to try to get some sort of communication and resolution. The account is now in collections without any communication from Citibank and never once being able to speak with anyone at the company in any manner or form. They did not reach out except the letter in the beginning that said to call. Again I did. Again they never took the calls. The dates given as to call back to speak to someone just kept getting extended until one day, 4 days ahead of the date I was told to call, they said they would no longer speak to me.
Product: Mortgage

CitiMortgage is reporting two mortgage late payments on XX/XX/XXXX & XX/XX/2011. I made those payments on time via XXXX, XXXX XXXX XXXX on line payment system did n't work so the payments were posted late. XXXX XXXX XXXX, corrected the problem and deliver the funds to CitiMortgage, but they were posted as late payments, even thought it was not my fault at all. They can check my record and I have a perfect record payment thru today. I am applying for a Mortgage and this issue is affecting my credit. Please help.
Product: Debt collection

RMB Inc has posted an account on my credit report in the amount of {$5400.00}. I was covered under Alabama XXXX XXXX at the time of the service due to pregnancy. I believe that RMB should be pursuing Alabama XXXX instead of me for payment of this bill. The account number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are not reporting accurate information on my credit report
Product: Checking or savings account

As a Citi cardmember enjoy all the benefits of being a Citi customer check out this cash bonus offer. 

A great surprise in the form of an email that I received mid XXXX. I have loved Citi credit cards up to this point and was looking forward to opening a bank account while regarding myself at the same time. 

I immediately followed the link attached to this email to be able to open an account and within minutes it was established and was ready to start taking the necessary steps for my reward. I followed the steps within the email and their website that states : Open and enroll a new Citi checking account by XX/XX/2024. Enroll in the Enhanced Direct Deposit Checking Acquisition Offer the same day you open your new checking account. Enroll online, visit a branch or call XXXX, XXXX ( For TTY : We accept XXXX or other XXXX XXXX ). 
Make at least 2 qualifying Enhanced Direct Deposits totaling {$1500.00} or more within 90 days of opening your account. 
Receive your {$300.00} by keeping your account open and active until you receive your cash bonus. You will receive your cash bonus within 30 days after you successfully complete all required activities. 

I opened my account somewhere between XXXX XXXX ( Which Citi was unable to confirm or deny as they do not wish to share this information. ) I immediately start routing direct deposits into this account to be able to meet the requirements stated but also to start charging this account for my everyday use. 

By XX/XX/XXXX my funds hit my account with two separate deposits totaling {$2000.00}, I was set. I had done XXXX requirements which I have control over and was simply waiting on my trusted bank to deposit my funds within the next 30 days. Come late XXXX, I dont see any type of credit as promised and thought to myself, maybe I missed a step. I went and reviewed the offer and found everything to be in-line. I thought maybe since the two deposits came in on the same day the bank had labeled it as a single deposit. No worries, Ill route another deposit and by XX/XX/XXXX another deposit was credited to the account used the method expected by Citi. 

It is now XX/XX/XXXX and I have yet to see any type of credit into my account and decide to dial into their customer service to see what I missed or where I stand. The rep starts by questioning the validity of this offer, I read verbatim the offer along with its requirements based on the email I received and followed. I simply get told this promotion is not on your account and nothing can be done after following everything to a T. 

I sit here empty handed, with no choice but to file this formal complaint as Ive been told by my bank to cut my losses. Baffled by their way of handling this, I write this to find some type of resolution.
Product: Credit reporting or other personal consumer reports

The secured credit card account with XXXX was closed by me on XX/XX/XXXX. The account was never late during the duration that the account was opened. XXXX  reflects that the account has been paid and was closed on XXXX XXXX, XXXX, however, XXXX has reported my account as currently XXXX days late as of XXXX XXXX. This account can not be late in XXXX XXXX when it was closed and paid in XXXX XXXX. This violates FCRA.
Product: Debt collection

I received a letter from American Adjustment Bureau , Inc. of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX CT XXXX in XX/XX/XXXX notifying me that I owe {$42.00} to XXXX XXXX XXXX. I called and left voicemails in XXXX, XXXX, and XXXX of that year notifying XXXX XXXX, at the contact information listed on the payment request, that the debt could not possibly belong to me. I have never been a patient of XXXX XXXX, nor did I receive any bills from XXXX XXXX prior to receiving the collections notice from AAB. I asked for proof of the debt, including the date and details of the medical service provided. I left my phone number and email address each time I called, but have never received any further communications from XXXX XXXX or anyone at AAB. In XXXX, XXXX began reporting the delinquent debt. I disputed it with XXXX. The account now has a note that " Consumer disputes this account information '', but it has not been removed.
Product: Prepaid card

received an AMEX reward card for buying XXXX XXXX merchandise. This was a card sent by email, not a physical card. Amount {$520.00}. I have tried to use in different online stores, no luck. Declined every time. Called AMEX... totally useless ( like the card ) and some of the merchants who declined it. Reason was that the card was not liked to my name and billing address. I am tired of calling people to resolve this. The card is completely useless. 
Thanks for your attention ( and letting me vent )
Product: Checking or savings account

On XX/XX/XXXX there were two unauthorized withdrawals. One from XXXX XXXX for {$200.00}, and another from XXXX  XXXX XXXX for {$120.00}. These transactions happened while I was at work and my debit card was in my possession. I don't know how my money can be taken out of an ATM with out my debit card. I disputed this twice and both times I was denied. I was using the credit karma checking account
Product: Student loan

I attempted to refinance 4 out 8 of of my highest interest rate loans with My Fedloan on XX/XX/2019. After noticing that the refinance payments had been incorrectly applied to the wrong loans, I called a first time on XX/XX/2019 to have this corrected. The first customer service representative told me that the payments would be reapplied correctly in 1-2 weeks and recommended that I continue to make my regular payments. After checking back, the refinance payments were never reapplied so I called for a second time on XX/XX/2019. I spoke with a RUDE and condescending customer service rep who spoke over me, did not listen to my issue, and told me repeatedly it was my own fault that the loan refinance payments were reapplied incorrectly. I was then told that the entire refinance amount would need to be mailed back in check form to me- directly. At this time I asked to speak with upper management and was redirected to another associate. The next woman assured me that the refinance amount would, in fact, NOT be sent back to me in check form and the payments would be corrected in 3-5 business days. Throughout this process I have been making regular payments on all loans ( including the loans that should've been paid off ). I was assured by XXXX, that there would be an excess of payment after the refinance payments were corrected and that this would be redistributed to my account in order to avoid delinquency. It is now XX/XX/2019 and my account is '28 days delinquent '. While the refinance payments have been corrected, the over payment is not being applied to current loans. I have called XXXX XXXX numerous times with no response, and the customer service representatives at MyFedLoan have told me that the over payments are being refunded in check form instead of being applied back to the account. I'm extremely disgusted to experience my student loan debt be handled by such a disorganized and inept service provider. A word of advice for those looking to fund necessary education for their future- avoid myfedloan.org at all cost.
Product: Debt collection

Im a victim of identity theft. I had received some phone calls from unknown source claiming to be, a deptcollector/ XXXX ( cableOrCellular ) I denounced this claim, because it wasnt me, I have been a XXXX Customer for over 19yrs,  and so I have no idea of using XXXX. I have explain to the deptcollectors Over & Over every time they called. Recently during my enquirer to purchase a HOME, I  realized that, they have send an amount of {$2900.00} to my credit report.
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 Name : 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 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 has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I purchased tickets through XXXX XXXX for a trip from XXXX to XXXX in XX/XX/year>. 

XXXX XXXX without my authorization changed my seats and billed my card. 

I disputed the transaction and Amex did not resolve the dispute in my favor. Reopened the dispute multiple times. 

Amex is required to protect its customers from predatory practices such as this one.
Product: Checking or savings account

My employer Added me as a person on her XXXX page for her diner to be able to able to add posts and update the specials well then XXXX ads started taking money out of my bank account because once I was added as an authorized account manager my information from my XXXX also when on that page this started on XX/XX/XXXX the total amount that they tipped out of me was XXXX. XXXX that's from XX/XX/XXXX to XX/XX/XXXX. I called the bank I went and got a new debit card I took my information off of the XXXX XXXX citizen 's bank has taken {$800.00} in over draft charges because of this XXXX add thing being taken out numerous times. Dates are XX/XX/XXXX XXXX XXXX. 30.00 XXXX. 25.00 XX/XX/XXXX XXXX The overdraft charges came on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. 
For a total amount XXXX The 1st time I called they did reimburse me 4 of the {$37.00} fees from my account now they're saying that the fraud case was unfounded and they can not return any of my money meanwhile they just keep charging me all these fees because my account is negative I have not been able to touch my paycheck which is struck deposited every Friday in over a month. It's Citizens bank. What can I do?
Product: Debt collection

This Company ( ERC ) Enhanced Recovery Company, collection company I assume has been removed from my XXXX report just a few months ago and noew they are back on there again after proving it was not my debt the first time, If i m not mistaken that is not legal.
Product: Mortgage

I have been trying to get a loan Modification from Caliber Home Loans since XX/XX/XXXX. I have repeatedly filled out applications per there request. They just sent a denial letter stating I was ineligible for any short term loans or interest only loans. I was supposed to be being evaluated for a repayment plan. Now I have to start all over with an appeal process and they still wo n't accept my payments!! 
There are discrepancies on the statement they have n't addressed. It says I accepted a loan modification in XX/XX/XXXX - I have never signed nor seen a modification document from them. They have payment reversals listed which I have no idea what those are for and they sent {$600.00} to my ex wife who is n't supposed to be on the loan anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is being reported on my XXXX, Transunion, and XXXX credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.
Product: Credit reporting or other personal consumer reports

credit inquiries that i did not authorized XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX 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 or other personal consumer reports

Sunbit Now LLC has a Installment loan that is on my XXXX report that is NOT MINE. I called Sunbit Customer Service and asked them what this loan was for and they told me it was for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I live in XXXX XXXX Florida. 12 hours away. I asked for the address on file and it was from a old address on a house I sold 9 months ago, I asked for the DOB on file and it was NOT my DOB, I asked for the SS # on file and the rep said they could not provide it for me but it was not the one I gave them. I asked for them to send me a copy of the signed loan agreement and it has a credit score of XXXX on it as of XX/XX/XXXX. My score was higher than that on XX/XX/XXXX in XXXX XXXX, proving the SS @ on file on this loan is NOT MINE. So basically Sunbit Now LLC are doing fake loans on unsuspecting consumers using just their old address and putting in fake SS # and DOBs. I contacted XXXX and filed a dispute and they said it was up to creditor to remove. Sunbit wanted me to file a Police report and send in copy of my DL to them, no way I am sending them this info when they are already committing fraud, making up fake loans. 

How can you have a Installment loan on my credit report when the loan : 1. Doesnt have correct DOB 2, Doesnt have my signed consent 3. Doesnt have correct SS # 4. Doesnt have my correct address 5. Doesnt have a photo ID of me If they had a copy of my Drivers License the DOB would be right would it not?

This is blatant lender fraud. Making up and funding loans on unsuspecting customers using bits of information.
Product: Credit reporting or other personal consumer reports

For months, there has been a consistent pattern of inaccurate reporting concerning these accounts! The following accounts continue to be reported incorrectly, including in the comments section. These account numbers are wrongly labeled as late payments, and it's incredibly frustrating that this inaccurate reporting persists. Following our compliance protocol, it's crucial that you swiftly remove these entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a vehicle with BB & T/Truist . The vehicle was traded in. BB & T/Truist reported a late payment on my credit which would not be possible because it was traded in and paid off. I later found out that BB & T/Truist did not place a proper lien on the title when I initially purchased the car nor did they respond to the payoff request from the dealership, so the check had been issued but the bank didn't acknowledge the payoff, thus reporting in a late payment being reported to my credit in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent formal complaints and an Identity Theft Report to XXXX, XXXX, and Equifax in regards to inaccurate reporting on my consumer report. 
It has been well over 30 days and I have not received a response and have not seen these items removed from my report.

As required by the Fair Credit Reporting Act, 15 U.S.C. 1681c-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

They are also fraudulently verifying information on my consumer report. Pursuant to 15 USC 1681d, an investigative consumer report can not be prepared on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living ( which is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information ), whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ).

They are violating the law.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Incorrect Employers : XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs with sincere disappointment that I present to you the detailed enumeration of the concerns I have meticulously compiled pertaining to the reporting undertaken by your esteemed organization, as explicitly documented in the accompanying file. Regrettably, it is evident that the aforementioned reporting falls short in terms of completeness and fails to align with the standards I hold paramount. It is imperative to emphasize that, in accordance with legal provisions, it is incumbent upon both your organization and the data furnishers involved to diligently certify all facets encompassing the requisite Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. Such certification must be executed with unwavering dedication to truthfulness, accuracy, completeness, and timeliness, in order to ensure the utmost protection of my consumer and civil rights, thereby averting any inadvertent violation thereof.
Product: Debt collection

Debt Collector repeatedly tried to collect a XX/XX/XXXX debt I allegedly owed my graduate school for medical services/prescriptions not covered by my school insurance plan. Over the phone, my mother paid the debt collector {$410.00} by credit card on XX/XX/XXXX, based upon their employee 's verbal promise to reimburse her if we could prove the debt had been paid by the insurance company. If I ( or my mother ) did n't pay that day, the employee said they would make an adverse report to the credit bureau. My mother sent them a statement from the insurance company reflecting they had paid the school but the collector will not refund her money despite her written request.