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

Citi closed my account in XX/XX/XXXX and make it active now without my knowledge. 
Citi closed my credit card ( Citi Double ) in XX/XX/XXXX. When I reached out to Citi about the account closure, I was told it was due to inactivity. I complaint about not being notified and was told a notice was sent to my old address in XXXX. Citi indicated that I have just moved in XX/XX/XXXX and never received the notice. Citi informed that that there is nothing could be done about the closure. 

Citi Double continue to show up in my online banking as " closed '' account and I did not remove it from my online banking account. On XX/XX/XXXX, I received a notification that a Citi account on my Transunion credit report was recently listed as closed. When I logged in to my Citi online banking, the account is no longer " closed '' and there is a statement generated. 

I reached out to Citi on XX/XX/XXXX about the account and voice my concern that a closed account becomes " active ''. And I was told the account is " open ''. After I explained that the account had been closed for over a year, I was told Citi will look into it and get back to me. 

Attempts to reach Citi by " chat '' function leads to no where. 

I showed up for a in-person appointment in Citi on XX/XX/XXXX in an attempt to understand/resolve issue. The banker dialed Citi credit card and the representative continue to insist that the account was never closed as " it is illegal to re-open the account '' without my input. Citi customer representative insisted that the lack of e-statement for credit card is not proof that the account was closed. I requested that the account be closed during the phone call. During this conversation, I was told by the customer service representative over the phone that it is possible that the account was " suspended ''. But the account was absolutely not closed as to re-open the account, it involves pulling my credit and Citi absolutely did not do that.

Even though Citi Card denied the account was ever closed, an inquiry into my Transunion credit report on XX/XX/XXXX, under 19 changes to my report, two regarding my Citi Double card. 

1. Between XX/XX/XXXX and XX/XX/XXXX, you made 8 out of 8 payments on time ( or didn't have a balance to pay off ) 2 Under updated account information, CITICARD CBNA, it is noted that " Between XX/XX/XXXX and XX/XX/XXXX, the following remark was removed ( bolded ) from the account : Closed
Product: Credit reporting or other personal consumer reports

Starting XX/XX/XXXX and keep hitting my credit report every month for PNC XXXX XXXX XXXX PNC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX : XXXX I have called and sent letters to stop. They have not. 
Please have them stop!!
Product: Payday loan, title loan, personal loan, or advance loan

Affirm has denied resolvent of loan acquired on XX/XX/year> ( XXXX ID XXXX ) for XXXXXXXX XXXX in the amount of {$340.00} purchase. XXXX XXXX credited the transaction on XX/XX/year> for purchase of {$340.00}, with an adjustment of {$21.00} due to changes to itinerary, and then cancelled purchase on XX/XX/year> with providing trip credit of {$220.00}. I have provided Affirm chat transcript, various emails of confirmation of emails from XXXX XXXX pertaining to cancellation and details sent to Affirm. I have disputed this transaction 4 times, including by mail within recommendation from affirm representatives, without resolution and emails received from Affirm that documentation is not clear or wrong dispute category.
Product: Credit card or prepaid card

Wells Fargo is charging me 24 % on my credit card unpaid balance for no logical, justified or apparent reason
Product: Credit card

I am upset with Capital One and all other credit cards that promote a % return on what is spent on the card. These customers are not saving but rather running up their credit card debt. The % return only really lowers the high credit card interest rate by a miniscule amount. People do not understand this obviously.
Product: Debt collection

I ordered a game system from XXXX and paid using my PayPal account which is tied to my XXXX account. The system never shipped so i had to open a dispute. the company XXXX never responded to my inquiry so i open the dispute with XXXX Months later finally everyone responded and i thought everything was good. now XXXX has issues a request for XXXX from PayPal which has taken my account negative. i never received any extra money and i have the proof to show that i was at a XXXX  balance until this last mistake. i can not get anyone on the phone nor can i get any of the emails they tell me from collections to respond. i am disputing the amount owed but i can not get anyone to respond.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

Loan was transferred XXXX ( SEE PROOF ) was behind, mortgage statement showed {$970.00} as you can see then {$2000.00} which is correct mortgage, said was {$8000.00} behind i paid it! IVE BEEN ASKING FOR PROOF OF PAYMENT HISTORY, PRIOR AND NOW WITH NEW SERVICER and all i get is a statement THATS NOT WHAT I NEED! I didnt mess up the transfer now there is a sale and want a huge down payment knowing i only owe $ XXXX and house worth $ XXXX. Need to modify loan and i am trying to get another hard money loan but need time and NEED PROOF OF ORGINAL NOTE, PAYMENT HISTORY NOT STATEMENTS! Know am behind but when servicer sends INCORRECT MORTGAGE STATEMENT then WANTS TO FORECLOSE is ILLEGAL!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute the reporting of an account by XXXX XXXX XXXX ( account number : XXXX ) on my credit report.Transunion has indicated that this account is scheduled for removal by XX/XX/XXXX, while XXXX shows a removal date of XX/XX/XXXX. This discrepancy suggests that XXXX XXXX XXXX XXXX be inaccurately extending the reporting timeline, which is inconsistent with Fair Credit Reporting Act ( FCRA ) guidelines. 

According to the information on file : Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Debt Buyer Status : Collection account, with {$800.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX XXXX XXXX XXXX has a known history of updating the date of last activity on accounts in collections, which artificially prolongs the account 's impact on consumers credit. The FCRA allows for negative items to be reported for up to 7 years from the date of first delinquency, which in this case should end in early XXXX at the latest. However, with TransUnion and XXXX reporting inconsistent removal dates, it appears XXXX XXXX XXXX be inaccurately updating account activity to manipulate the reporting timeline. 

I respectfully request that TransUnion, XXXX, and the other credit bureaus conduct a thorough investigation into this matter and enforce the accurate removal date. XXXX XXXX XXXX should be held to account for reporting practices that comply with the FCRA, ensuring my report reflects the correct removal timeframe.Overview Account Number XXXX INDIVIDUAL Months Reviewed Activity Designator Balance and Amounts Balance Available Credit Account Dates Date Opened Date of Last Activity Comments and Contact XXXX XXXX XXXX XXXX For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account Dates Date Opened Date of Last Activity Comments and Contact XXXX XXXX XXXX XXXX For questions regarding this account please contact : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I was a customer from XXXX. When I chose to transfer my services to another address in XX/XX/XXXX, I began the transfer request online. I received a new apartment unit number from the complex so I canceled that transfer and requested a new transfer to a different unit. During that time XXXX opened another account for the previous address in my name and without me actually knowing. They advised they would have to cancel my current service and start a new service for my new address because they would not do a transfer. I returned the old equipment and then scheduled to have new equipment installed which was a big inconvenience. I began to receive a bill for the other account they opened without my knowledge. They closed said account. I had never agreed to a contract with XXXX but they advised at the time when I tried to cancel my service in XXXX that I verbally agreed to a contract with them on XX/XX/XXXX over the phone. I advised I never spoke with them over the phone and any communications about my service and account had been done over chat. I asked that a supervisor review the call because I refused to pay an early contract termination fee when I never agreed to a 24 month contract. Of course they said they would review and get back to me in 48 hours. This never happened. I have been sent to collections for this account. When I inquired why the amount includes an early contract termination fee and I stated previous times I never agreed to a 24 month contract or spoke with them via phone they refused to review the call or offer any resolution. I have not been able to get anyone at the company to review the call. I have sat on hold and spoke to numerous representatives and " supervisors ''. XXXX refuses to follow up. I never agreed not to pay the debt but I won't pay for something I never authorized and no one can provide me the proof that I authorized it. It's sad because the have become such a monopoly in my area that I have no choice but to do business with them because there aren't any other options as far as cable and internet service goes. They use this as a device so they can treat customers poorly and do fraudulent activity on their accounts. XXXX is truly a poor cable and internet service provider. They are unprofessional and refuse to investigate accounts at the consumer 's request. They have violated my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE is in violation of the XXXX  for non-compliance to disclosures. They have been notified of the non-compliance of the " XXXX '' and they continue to willfully invade my privacy by disclosing my private- non public financial information. According to the Fair Credit Reporting Act, XXXX, XXXX XXXX XXXX, XXXX and CAPITAL ONE are in violation of XXXX in connection to non-disclosures and reporting my private non public financial information. I have also sent this complaint for non-complaince of the XXXX to the Texas State Attorney General.
Product: Credit card or prepaid card

Citi contacted me regarding suspicious charges on my Double Cash card. I responded to the first message by calling them and advised those were not my charges. They said they marked those and reissued my card with a different number. They then had me call them four more times for the same charges and issues. I was patient and advised those were fraudulent charges. However, they have not marked a foreign charge of {$10.00} to " XXXX XXXX XXXX... '' as fraud as I requested and my account has been charged a foreign transaction fee as well due to this charge, totaling {$0.00}. I also only received one replacement card and did not receive the card for my authorized user. This has been annoying, disjointed, and honestly a mess. After my account was flagged for fraud, purchases should have been unable to be made, any connection to the fraudulent XXXX  log in should have been removed ( wasn't removed till the 3rd call ), and they should be able to reissue cards correctly. I work in escalated complaints for another credit card company and these actions would be coachable and apology-worthy errors ; however, I am not being paid by Citi to deal with this, unlike my employer.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a bill on XX/XX/2017 from " Cash Central '' for the amount of {$310.00}, a loan that I did not request or receive money for. This is identify theft. I reached out to this company directly, filed a police report in XXXX County ( where the address used/mail was received ), and did not hear anything back until recently wherein my credit score is now affected by " XXXX XXXX XXXX XXXX '' regarding this loan now being in collections. 
I have filed numerous complaints online, including identitytheft.gov, with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I had XXXX and was in XXXX with XXXX XXXX XXXX, my XXXX  pulled me off work until XXXX While I was in hospital I missed XXXX 30 day payment from XXXX XXXX on a credit card. XXXX XXXX has removed the late payment since XX/XX/XXXX after disputes and sent updates to all 3 credit reporting agencies ( Equifax, XXXX and XXXX ) to stop reporting the 30 day late payment. XXXX and XXXX did remove the late payment on my report, But EQUIFAX still reporting the late payment after I sent multiple letters to stop reporting the late payment. Now EQUIFAX is damaging my reputation and causing me mental auguish, because any lender or employers that pull my Equifax report would qualify me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

I am a victim of identity theft and have attached the FTC report below
Product: Credit reporting or other personal consumer reports

Reported to both companies and Bureau that I do not recognize the inquiries that are being reported to Bureaus and request removal. 
Request inquiry removal by telephone. Request note completed.For all of the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I looked at my Experian and XXXX report on XX/XX/scrub>XXXX XXXX  and noticed some accounts and inquiries are incorrect and fraudulent. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

An acct has been paid in full and still shows open. Filled a dispute and came back {$100.00} difference so it shows something changed. On my line of credit it shows last update XX/XX/2021 So my debt to ratio is off. Disputed it and came back as same. 
Someone needs to sue XXXX, equfax they dont answer phone calls or I like this one send you paperwork to verify its you so it jams everything up. Need to get that fixed so its not a crutch for them. Well XXXX yeah its me my score is so low nobody would steal my information. Just purchased a car at way high interest because of so many problems that should be fixed. XXXX more over the life of loan. Enough is enough CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loans were included in bankruptcy payments, All bankruptcy payments have been paid off on time. Bankruptcy payment were complete XXXX of XXXX, Navient started showing up on my credit report in XXXX of XXXX with something called " repurchased '' and Navient says I still owe them money.
Product: Debt or credit management

In XXXX of XXXX I signed up for credit repair through Lexington Law, they charged me up front to start working on my case XXXX. Lexington Law then continued to attempt to charge my card XXXX every XXXX weeks and I saw XXXX results on my credit repair. I reached out to cancel my account with them in XX/XX/XXXX, I received a confirmation email stating my account was cancelled but that I owed them XXXX they charged my card XXXX and XXXX after the cancel confirmation, they are now back to attempting to charge me XXXX after the cancel confirmation. Several emails have been sent to their client services telling them to stop trying to charge me, those have gone unanswered. I have documentation for all of these transactions and emails.
Product: Mortgage

I have been trying to do a modification with Chase bank. 1. I was approved from Save Your Home California. Chase would not accept the dollars. 2. My housing ratio is more than XXXX %. I qualify for a modification. The property is in foreclosure. They keep making excuses. First they said the XXXX bill is old. I provide a current XXXX bill and now they say it does not have XXXX ( My name is XXXX XXXX XXXX ). 3. I have written several letters and the only response I get is that They received my letter and will get back with me. They keep playing games. Please HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries that I did not make which has caused me to have to answer questions that are not related to my credit, and inquiries that were not made by me. 

My my XXXX credit report has 2 different social security numbers listed ( see attached copy ). I have called and can NEVER get a live person to answer!! 

Inquires that need to be deleted : XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX