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

Discrimination by Citibank After a recently having a Citi card charge denied for reasons that have not been adequately explained by Citi, I encountered a fraud department that engages in blatant discriminatory behavior. Citibank, as a condition to having one of their credit cards, requires a texting relationship between the bank and the customer. 

I experienced the downside to this when Citi refused to help me because my phone does not accept texts from unknown sources. Mandatory texting with a bank is not only preposterous, it is a dangerous and prejudicial policy. 

Based on data from XXXX XXXX, only 82 % of white Americans own a smartphone. Slightly less for XXXX and XXXX Americans. When further broken down by education, income, and location, there are larger disparities. For example, only 72 % of high school grads and only 71 % of rural residents have a smartphone. ( XXXX XXXX XXXX ) According to XXXX, only 74 % of people over 55 own a smartphone. ( XXXX  : XXXX ) So how can a major bank try to enforce smartphone usage and texting with its customers? This practice is discriminatory on multiple levels, including income, race, age, and location of residence. 

While its fine for smartphone users to opt-in if that is their choice, this practice deliberately harms millions of Americans who do not, can not, or choose not to text with a bank. 

Regulatory authorities need to step in and stop this discriminatory practice at Citibank. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 usc code 1681b ( a ) ( 2 ) I have not given any permission to report this account, please remove ACCOUNT from my credit report.
Product: Credit reporting

Equifax has XXXX Bank XXXX credit card account still listed as open and showed a 97 % utilization high rate that is bringing my rate down. XXXX XXXX showed this account closed.
Product: Debt collection

Accounts : Reason : Tangible Proof Needed ASAP XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that your claim is disputed and validation is requested. 

I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

Regards,
Product: Credit reporting or other personal consumer reports

XXXX. We stayed at XXXX XXXX for a weekend to attend a friends birthday party in XXXXXXXX XXXX 

XXXX. We received a special rate from XXXX in exchange for attending a one-hour seminar at XXXX XXXX 

XXXX. My wife and I stayed at the party until XXXXXXXX XXXX, making our seminar start time quite challenging. 

XXXX. When we arrived at the seminar, we were still intoxicated and remained so throughout the session. 

XXXX. I informed them that I couldnt afford a timeshare, my credit wasnt good, and I likely wouldnt qualify. 

XXXX. XXXX different representatives assured me that qualifying wouldnt be a problem. They both claimed that they wouldnt report to credit agencies and said I could cancel within XXXX weeks if needed. 

XXXX. A week later, I sent a letter to my representative requesting to cancel. 

XXXX. About a month later, we noticed charges appearing on our credit card. When I called to address this, I reiterated that we had canceled. They assured me they would stop the billing, but it took XXXX to XXXX hours for that to take effect. 

XXXX. I did not provide them with my Social Security number. 

XXXX. This account wasnt reported to my credit until this year, XXXX years later. 

XXXX. When I contacted XXXXXXXX XXXX, they transferred me to their mediation department, where I felt pressured. They stated that if I purchased a timeshare again, they would remove this from my credit report.
Product: Debt or credit management

I hired Lexington law firm for credit repair services. The did not provide the service that was promised.
Product: Credit reporting or other personal consumer reports

Hi, XXXX, XXXX, and TransUnion continues to report errors on my credit report causing my score to drop XXXX XXXX sometimes XXXX points due to their negligence in reporting accurately when in regards to accounts paid on time in good standings as well as not giving me the credit when everything is in good standings. Also my personal information is incorrect I have XXXX name I dont go by any alias and they have about XXXX different names on my report along with the wrong social and and multiple addresses and telephone numbers. No credit company is supposed to report any opened balances due or open accounts on my report if these accounts are allegedly in collections as well. There are inquiries several that shouldnt be on my report either and Im tired of contacting XXXX about the same stuff never reported accurate fico score either they always show my score lower than what it actually is
Product: Credit card or prepaid card

NetSpend.com opened a prepaid debit card under my name with a fraudulent person. When I asked for details regarding the account to provide to the policy for the identity theft, they refused to provide any information. They created a fake account and attempted a hostile take over of my personal bank accounts.
Product: Mortgage

On XXXX XXXX, XXXX, I paid in full the FHA mortgage loan began with M & T Bank on XXXX XXXX using the amount of payoff given to me verbally. Within an hour ( EST ), I sent my check via US Priority Mail ( tracking number XXXX XXXX ) signed by one of their officers. The check # XXXX for {$160000.00} was drawn on XXXX and it was received and signed for. A week later after questioning the process, a bank representative transferred my call to another officer for clarity. I learned then that they had not posted my payment as final for it did not arrive at their office. I sent the check to M & T Bank, XXXX. MD. XXXX. A day later an officer returned my call stating that the check did come but the amount quoted was n't accurate and they now wanted to take this ( mysterious amount ) from the overage in the escrow account which then had {$870.00}. Without knowing whether this was legal, or right, I sought the advice of a lawyer who called on my behalf -only- to get the " run around ''. He suggested that they probably were wrong and to make a formal complaint as a consumer to your office. To date, I have three different letters from three different offices requesting more money -adding interest- as though the cashier 's check -had not arrived timely and the full amount of the payoff was incorrect. I used the figure quoted through XXXX XXXX, XXXX in the amount of {$160000.00}. For your records, I have a copy of the Priority mail express receipt showing that the letter would arrive by XXXX of XXXX XXXX, XXXX. My question to you is this, why if I paid the full amount quoted to me that would close the mortgage loan in full as stated, would this bank recompile another figure and take it from my accumulated escrow balance. And if this is an FHA loan, should they be allowed to dupe the consumer in this way? Such dishonest? 
I do not have the where-withal to attach the official check, the priority mail receipt, the four letter stating the balance on the closing day of XXXX XXXX if XXXX with Interest through XXXX XXXX, XXXX calculated at XXXX, pro rats MIP of XXXX and recording fees of XXXX total amount to pay off loan in full ... .. XXXX. The letter then said, the current escrow balance is : XXXX. 
The following clause : An additional month of interest is due if payoff funds are received after the first business day of the month, all figures are SUBJECT TO CHANGE. This statement expires on the last business day of the month. Figures must be updated after that date. In addition, figures will be adjusted if any transactions such as escrow advance, payment reversal, or fee assessment take place ....
Product: Credit card

On XX/XX/XXXX, I received a notice that my credit score had lowered by XXXX points. Having not increased the credit that I have taken or applied for any new cards or loans, I pulled my credit report. On my credit report was a card from Barclays that I did not recognize. I immediately called Barclays Customer Care. They told me that I was an authorized user on someone's account. I explained to them that I had no knowledge of being added as an authorized user, nor had ever been in possession of a credit card from Barclays. I asked them to remove me from this account. Then they told me I needed to speak with the security department. The security department told me the account was closed, when I questioned that because it was on the credit report I just obtained, they said only the account holder can remove me from the account. Then they told me that their systems were being upgraded and they can't find the account ( this was after they gave me the name of the account holder and the last XXXX digits of the card that I do not possess ). Then they told me to call back on Monday. I called on Monday XX/XX/XXXX. They again told me that that the primary cardholder has to remove me from the account even though this account was created without my knowledge. They also told me that they do not have my personal information. I'm wondering how this gets reported to the credit bureaus if it isn't tied into my social security number. Barclays created a ticket number but could not tell me if anyone will ever contact me to resolve this. I can not contact the primary cardholder to ask her to remove me from the account right now. I am asking for my name to be removed from being an authorized user on the Barclays credit card that I had no knowledge of which is affecting my credit score.
Product: Credit reporting or other personal consumer reports

I have been noticing that my credit report does not have my correct personal information and this is causing this unknown and inaccurate account to appear on my credit. I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing an item on my report that I never was associated with. I filed an FTC report as I was instructed to by TransUnion. I have sent in this report but this fraudulent item still remains.
Product: Mortgage

on XX/XX/2021, I was told by mortgage company that in order to apply to refinance I would need to pay {$550.00} with my credit card card to start the process, and this needed to start the process and I was even told that the since the property was just 2 years old that the appraisal fee would get back to me. Either if I get the refinance completed or not. 

Since the appraisal was never done and the company was not able the deal I requested the money paid a couple of times and they said it woukd take from 5 to 7 business days and I still have not received it. 

On XX/XX/XXXX I contacted by text and by email XXXX XXXX XXXX XXXX XXXX | Better Mortgage XXXX XXXX | XXXX XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX , NY XXXX XXXX NMLS ID # XXXX and I was told it would take 5 to 7 days and today is XX/XX/XXXXXXXX and I still not received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion continue to violate the law and my rights by not properly investigating information that remains on my credit report. According to the 15 U.S. Code 1681- Congressional findings and statement of purpose, the law clearly states.

1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Mortgage

Settlement conference hearing at courthouse with Bank of America XX/XX/2019. They gave me a year to sell the house on my own after obtaining a realtor and following other steps which the year wouldve started end of XX/XX/2019 beginning of XX/XX/2019 because I had to fight to get the steps accomplished getting the paperwork in when they would say they didnt receive it & set it for sheriff sale saying I didnt comply. Then they would see that I did and stop it. This happened a handful of times. I complied as best as I could and everything was on time. I did everything they asked me to do and they dont want to hold up to their end of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, XXXX XXXX XXXX, a representative of XXXX XXXX, located at XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX, contacted me to be my daughter 's co-borrower on a home loan. XXXX XXXX stated I would need to sign some additional documents received via email to proceed with the loan ( and I never received any documents because the loan was brought to a halt for reasons beyond my knowledge ). XXXX XXXX also requested my social security number ( which I gave him in good faith ), and he was not supposed to run my credit report or proceed further until I received and signed the additional documents mentioned above, authorizing him to move forward with the loan. 

Due to this misunderstanding, my credit report was accessed prematurely, leaving me with an inquiry that never should have been requested of my report. My daughter did not use their company to purchase her home, and I believe accessing my credit report was negligent of their company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the XXXX credit bureaus, Experian, XXXX and XXXX on XX/XX/XXXX and nothing has been done.
Product: Mortgage

my name is XXXX XXXX XXXX i have XXXX mortage with sls with a 10.250 % have had this for over 10yrs i have tryed more than 2years fill out all kinds forms asky for the inerest to be lowered or refi they always say no why fill out forms if they were not willing to help the XXXX mortage is $ XXXX-was XXXX can you help with this i know the payment on {$150.00} -whn XXXX cause me to go bankrupt in 2009 i was late XXXX time now having to pay a little extra every month ths is a 30yr loan which i did not know until i went bankrupt if they new i could not get the adjustment why send form just say we can not help i need help please .this loan is not going down as it should.loan numberXXXX
Product: Credit card

The company failed to provide me with a right to dispute, which would have given me the opportunity to settle debt before the creditor reported to credit bureaus. I am requesting this is information to be deleted from all credit bureaus on the strength that company failed to provide me with the requested information.
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 168XXXX. 

XXXX XXXX XXXX XXXX  ( Account # XXXX ), has violated my rights XXXX XXXX XXXX ( Account # XXXX ), has violated my rights XXXX XXXX XXXX Account # XXXX ), has violated my rights XXXX XXXX XXXX Account # XXXX ), has violated my rights XXXXXXXX XXXX XXXX XXXX Account # XXXX ), has violated my rights XXXX XXXXXXXX XXXX XXXX  Account # XXXX ), has violated my rights XXXX XXXX XXXX Account # XXXX ), has violated my rights XXXX XXXX ( Account # XXXX ), has violated my rights US BKPT CT GA XXXX, Bankruptcy XXXX XXXX XXXXs violated my rights US BKPT CT GA XXXX, Bankruptcy 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 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 reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX : I tried to temporarily remove a freeze on my TransUnion credit report via their website and received the error message " UNKNOWN ''. I called TransUnion and was able to remove the freeze after a 20 minute long call. I was told I would be contacted in three to five days to correct the website problem. I was never contacted. 

XX/XX/2023 : Once again tried to temporarily remove a freeze on my TransUnion credit report via their website and again received the error message " UNKNOWN ''. I called and after the 30 minute call was told again I would be contacted in three to five days to correct the website problem. I was never contacted. 

XX/XX/2023 : Checked the TransUnion website and saw that I still could not freeze/unfreeze my credit report and this time used the TransUnion " Chat '' option and after 15 minutes was told again I would be contacted in three days ( it would be expedited! ) to correct the website problem. I was never contacted. I have a copy of the chat. 

As I said in the chat " I want the ability to lift the freeze whenever I want. 
just like with all the other credit report agencies ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Texas XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

4. Other information I would like changed OXXXX XXXX  Account Number : XXXX Please verify and update late payments from XX/XX/XXXX and XX/XX/XXXX 5. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

6. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account 1XXXX XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

8. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please supply information on how you have verified this item. 

9. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 


In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you,