23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Citi owes me and is wrongfully withholding {$450.00} from a transaction dispute. This dispute is still open TODAY, well after the 90 day limit to resolve disputes, and they dubiously reversed my conditional credit without ever notifying me in an attempt to get me to avoid noticing! This is extremely misleading and unethical!! 

On XX/XX/XXXX, I disputed a transaction totaling {$450.00} that I am still owed. A conditional credit of the full transaction amount was issued to me. 

On XX/XX/XXXX, Citi closed my dispute in the merchants favor without even asking for any evidence. I did not even have the opportunity to upload any proof or evidence pertaining to my dispute before they resolved it. 

On XX/XX/XXXX ( 122 days ago ), I complained and reopened the dispute detailing all my evidence of why I am entitled to a refund. Per law, Citi needs to close the dispute within 90 days. 

Today, on XX/XX/XXXX, my dispute status still says that Citi is reviewing the details of the dispute well beyond the time frame. I also discovered that they quietly reversed the conditional credit even though they reopened my dispute I was never notified that the credit was reversed, and only saw it when checking my monthly statement for XXXX ( it does not even appear in the mobile app ). 

Their mobile app still shows that my dispute is unresolved as of today, and it also doesnt even show the credit reversal in my digital transaction history, which is extremely misleading and it is clear they are trying to be sneaky by reversing the credit hoping that I dont notice. They also emailed me a note this morning with a flat out lie saying they sent a notice on XX/XX/XXXX of my dispute resolution which I never received, and they were not able to actually show me the note or any proof of delivery of that note I was not able to get in touch with anyone on that note even after trying to contact them, and no one from their team is able to look into it or help. DO NOT BANK WITH CITI THEY STOLE MY MONEY
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX XXXX, and innovis  are proposing the account details of my XXXX  XXXX bankruptcy, in addition they are reporting the XXXX XXXX car agreement with XXXX XXXX as not paid off. I paid off the vehicle and am in good standing with XXXX XXXX. 

Please, fix these two issues.
Product: Money transfer, virtual currency, or money service

Thursday, XX/XX/2023 I received multiple phone calls from my local Chase bank branch, I picked up and the guy told me that someone was trying to use my debit card in XXXX at a XXXX XXXX, they were trying to purchase a {$300.00} television. He stated that he was able to block the transaction, that he needed me to confirm my ; Name, date of birth and my debit card PIN. I gave him that information because I believed it was the bank and this was the first time someone tried to use my debit card. He called me from the actual phone number the bank uses on XXXX maps. He then told me to dispose of my card, that he would send me a new one that would arrive in XXXX business days but it never did. I went on about my day after and the following day I get a notification from the chase app saying I had less than {$500.00} in my account. I log in and see I'm only left with {$80.00} He took out the money in amounts of {$80.00}, 10 times and {$60.00} 1 time The total amount that was taken out of my account was {$860.00}.

I called my local Chase branch and informed them what had happened, and I went in person because I still wasn't sure what was going on and didn't trust the number any more. I went in and they helped me file a claim, but they did not include all the money that was stolen from my account into the claim.

So I had to call another 2 times to put the other amounts because I really need my money, and I still do.

The first claim was for {$380.00} The second claim was for {$400.00} The third claim was for {$80.00} Just recently my bank granted me with credit while they conducted an investigation, but I feel like it was their fault for not including all the money that was stolen in 1 claim. 
On XX/XX/2023 The bank took back {$380.00} of my credit back because the investigators did not find enough evidence to prove this was actual fraud. 
Today, XX/XX/2023 I get a statement saying that the {$400.00} credited was not determined as fraud and will be staying in my account. 
The {$860.00} that was taken from my account was taken all within 2 days from XX/XX/XXXX through XX/XX/XXXX of 2023. 
So I do not know what they decided that half was actual fraud and the other half was not, if it was all literally taken the same way. 
I've filed a police report, because that is what the bank asked me to do if I still felt like I needed to do something because they can't because they're investigators closed the claim. 
I have a my baby about to be born by the end of this month and I really need all my money, my wife isn't working and this really affected us. 
I've attached the phone calls I received the day the scam started and a a notification saying that the {$400.00} claim credit that I received will be staying in my account. They have not sent me the statement of the {$380.00} that made them decide it was not fraud. 
And still haven't received any news on my {$80.00} claim.
Product: Mortgage

My loan servicer ( Suntrust ) will not remove PMI from my mortgage despite my having paid over 20 % paid equity on the loan over the last 14 years. My original appraisal was $ XXXX. I put 10 % down at closing and have never missed a payment. Upon calling they quote rules from their system not available on the public internet/Suntrust site. I believe the practices by Suntrust to be unfair, underhanded, and purposely deceiving.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been reporting an collections account on my credit report with all three bureaus. I've never had an account with this company and requested debt validation via certified mail in the form of an original signed contract between myself and the company. The company was not able to provide said document and I submitted the letter, copy of the certified mail receipt, and the contract that they sent back to me ( between myself and another company ) to the bureaus via disputes. Despite the fact that I've shown proof that I've never had a contract or done business with this company, the bureaus will not remove the account and the company continues to send the bureaus lies. XXXX XXXX XXXX is NOT XXXX XXXX XXXX XXXX XXXX or XXXX XXXX.
Product: Checking or savings account

I started my account in XXXX of XXXX. Every week for months over the summer of this year, XXXX to XX/XX/XXXX, Regions bank has been over drawing my account then charging me, sometimes multiple overdraft fees after I opted in for overdraft protection.
Product: Credit reporting or other personal consumer reports

I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED XXXX XXXX XXXX REPORTING INACCURATE INFORMATION ON MY REPORT. I CONTACTED THE CREDITOR IN REGARDS TO LATE PAYMENTS BEING ADDED TO MY ACCOUNT. THIS SECOND ATTEMPT TO RESOLVE THIS ISSUE. 

I HAVE NEVER BEEN LATE. LATE PAYMENTS HAVE BEEN ADDED TO MY ACCOUNT DUE TO BILLING ERRORS, WHICH IN VIOLATION OF 15 USC 1666B ( 4 ) The creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement ( 5 ) A computation error or similar accounting error made by a creditor on a statement. 

THE CREDITOR FAILED TO FURNISH A STATEMENT 21 DAY PRIOR BUT FURNISHED LATE PAYMENTS. 

IN ADDITION, MY PAYMENT HISTORY HAS SHOWED ACCURATELY FOR THE PAST 2 YEARS. I CHECKED MY CREDIT REPORT AND 23 LATE PAYMENTS WERE ADDED RANDOMLY, WHICH ALSO IN VIOLATION OF 15 USC 1681E ( B )
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXXXXXX XXXX Balance : {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$170.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$140.00} XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet is placing extra accounts on my credit report and reporting a accounts that are not validated with notarized documents. I have requested notarized copy of information and these accounts are no legit. However, they refuse to do so and the credit agencies are reporting this information, so both will be suited. By the attorney that sued XXXX  for XXXX XXXX dollars. This case was win in Oregon! Since the credit agencies want to support information that is not true and even when you have shared documentation with them. 

I have retain a attorney at this point and would like the all documents support this debt, so they name can be introduced into the LAW SUIT. Credit Act states I have the right to know the following : 1. Who was involved in this investigation names, telephones numbers, of each person involved in the procedure. 
2. Provide dates and times for the investigation 3. A description of the procedure used to determine this accuracy.

XXXX is already in deep legal issues when it come to this account as Nelnet and XXXX have created acts of forgery.
Product: Credit reporting

There are multiple inquiries, that i did not authorize on my credit profile. I disputed with Transunion and they are stating my info is factual, and i need to contact creditor. I contacted creditor and they in turn removed but its still showing on my credit report.Please remove the following inquiries off my report, they are not my inquiries. 
XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Union XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Union XXXX XXXX XX/XX/XXXX Credit Union XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automotive XXXX XX/XX/XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XX/XX/XXXX XX/XX/XXXX Department & Variety Stores
Product: Mortgage

HSBC Mortgage has forced me into forclosure because they refused to do a modification on my loan as i went into a fixed income amount and was unable to afford the set Mortgage payment ... I have been battling to save my house court after court. The bank bought the house back in foreclosure, and being that im in still battling in court, I have paid over XXXX in escrow account, i 've been trying to buy back my house and I have given all the information the bank has requested including bank statements, and it was all a hoax and their just playing around with me, and now their saying we refuse to sell to you! I am almost XXXX years old and i have been living in this house for 25 years, I plan to die there! Please, please I am begging someone to help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX does NOT adhere to the 2018 federal law requiring that I be allowed to put a FREEZE on my report ONLINE via an easy process. This is the law https : //www.ftc.gov/news-events/news/press-releases/2018/09/starting-today-new-federal-law-allows-consumers-place-free-credit-freezes-yearlong-fraud-alerts XXXX  is requiring that I submit a PAPER form in the MAIL, which violates the 2018 federal law requiring EASY ONLINE freezes
Product: Debt collection

The alleged debt derives from an apartment lease agreement I allegedly entered into with the property management listed in the attached documentation. After I formally requested validation of the debt from said company, they produced a copy of a rental agreement that contains signatures that do not belong to myself or my wife. Moreover, at no point during the period listed in the produced debt validation documentation I occupied the rental unit described in the agreement since I have resided at the same address for the past 10 years. Even if such debt truly existed, I was only made aware of such debt only after checking my credit report on or about XX/XX/2021 ( 7 months after the end of the alleged rental agreement ). 
There was never any attempt made to collect the alleged balance by the property management until I was contacted by the debt collection agency in XX/XX/2021. 
On XX/XX/2021 an e-mail was sent to the property manager requesting further detailed information about the debt. The property manager did not respond to any of my inquiries contained in the e-mail and demanded payment of the alleged balance of {$530.00}. 
In XX/XX/2021, I visited the property management 's office in an attempt to resolve the issue and was told to contact the property manager via phone. I placed 3 separate phone calls in XX/XX/2021 to the phone number provided by the property management 's office without any success. I left voice messages in all 3 occasions that were not returned.
Product: Credit card

Accounts paid as agreed remain on your credit file for up to ten years from the date of last activity ( DLA ). My XXXX Bank credit card was closed XXXX and XXXX refuses to delete this from my credit report.
Product: Credit reporting or other personal consumer reports

I HAVE SEVERAL ITEMS ON MY CREDIT REPORT THAT DO NOT BELON TO ME. I FILED A COMPLANIT WITH FTC REPORT, CONCERNIN TE ITEMS THAT IS LISTED. THE ADDRESS LISTED XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and found that you are illegally reporting inaccurate information about me. The following alleged accounts below are listed as closed and yet, theyre kept reporting. This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. 

[ XXXX XXXX Reported : XXXX XXXX, XXXX ] [ XXXX Reported : XXXX XXXX, XXXX ] [ XXXX XXXX XXXX XXXX XXXX T Reported : XXXX. XXXX, XXXX ] [ XXXX XXXX XXXX Reported : XXXX XXXX, XXXX ] [ XXXX XXXX Reported : XXXX XXXX, XXXX ] [ XXXX XXXX Reported : XXXX. XXXX, XXXX ] [ XXXX XXXX Reported : XXXX XXXX, XXXX ] [ XXXX XXXX Reported : XXXX XXXX, XXXX ] [ XXXX XXXX Reported : XXXX. XXXX, XXXX ] XXXX XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX ] According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed. 
I demand you remove the inaccurate/closed accounts immediately. Please send me an updated copy of my credit report showing your compliance with all FCRA and Metro 2 Reporting requirements.
Product: Credit reporting or other personal consumer reports

Capital one, I not sure witch company, XXXX  or capital one is reporting this information incorrectly, but on this particular account the monthly balances are the exact the ssme and there showing some payments not all of them the length of time me having its tottay wrong payment are missing I received the account, its almost like threre trying to rouing my life furthermore under the fair credit act i never agreed or signed a disclaimer to give out my information!! Can ths please be resolved immediately it is stopping me employment, transportation.andetc
Product: Student loan

Back in 2010 when I graduated, my loans were up to {$90000.00}. I called XXXX XXXX about combining these loans due to me having to pay so many loans to different companies. They combined the loans, but after me paying for a few years they transferred my loans to XXXX  and it didnt look like I had paid anything on the loans. I had to go into deferment due to the amount of the loan being so high that I got behind. At this time I would pay after the deferment ended. And later my loan was brought out by XXXX.
Product: Credit card or prepaid card

I was making automatic payments of {$200.00} toward a balance transfer offer. When the offer expired I transfered the remaining balance to another company. I called Discover and they said the auto payments would stop since the balance on the card would be XXXX. Little did I realize the payments continued from XX/XX/XXXX through XX/XX/XXXX. Once I realized what was going on, they said the auto payments were for XXXX XXXX because of a balance on the card. When I told them Ive conferred with my bank and they said the payments never stopped, Discover them said they wanted the statements. I dont feel I should have to send them my confidential information. I want a cash refund of the amount they should have not taken ( {$1400.00} ) from my account, including interest.
Product: Bank account or service

I have an account at XXXX XXXX and XXXX XXXX XXXX. My direct deposit goes in on Friday with XXXX XXXX AND XXXX XXXX XXXX on Friday therefore, on Saturday XXXX XXXX and XXXX money is in my account. But, Suntrust posts my money on Monday. There are people on my job who banks with Suntrust their money is availbale on Saturday to with draw out of their accounts. It looks as if the deliverably post my money on Monday to create fees. When made the direct deposit at the beginning of the account it was in there on Saturday. Now, they manipulate my deposits in the past 5 years to charge me fees. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. Why is my money not deposit like my collegues at work. We all get paid at the same time.
Product: Mortgage

Mortgage company is not sending out my statements following a chapter XXXX. Company insists statements were sent out since XXXX. Spoke with XXXX in Bankruptcy Dept. who was extremely rude. Unable to make payments on-line and they are charging me {$15.00} to pay over phone. Been paying over the phone ever since last year and was never charged a fee. XXXX tells me she has no way of seeing if I 've been charged a fee and can only see what I 've paid. If you can see what I 've paid then you can tell if I 've paid a fee. She had no desire to do her job. I have not been receiving my statements and continue to incur late fees as a result.. Contacted them and they say statements are being sent out. The worst mortgage company to deal with. Automated system does not work properly. Employees are rude. Can not get away from this company
Product: Credit card

XX/XX/23 I paid off my bill by phone. I received a confirmation number that the payment was received, I received a confirmation number and the system stated that my balance was now XXXX. On XX/XX/23 I went to the XXXX store to make a purchase and attempted to pay with my XXXX card and the transaction was denied. I called the card company and found out that my prior balance that I though was paid off was still on the card with an additional {$30.00} amount on my balance. I called the company and they told me that my payment in XXXX did not go through as they were unable to locate the account and that the additional {$30.00} was a returned check fee. They did remove the {$30.00} bringing my balance back to the original amount that I tried to pay in XXXX, but because my payment due date was XXXX and I am now making a payment XX/XX/23, I would be charged a {$30.00} late fee for the month of XXXX, however it was unbeknownst to me that I even had a balance as I paid it off in XXXX. With regards to the payment not going through, they told me that they could not locate the account that I paid them through, however as stated above, their automated system provided me with a confirmation number and stated that my balance is now XXXX. I paid off the bill, including the " late '' fee of {$30.00} for XXXX just so I could close the account and not have anymore liability with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX  XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/2019 ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account name XXXX  XXXX XXXX Account number XXXX
Product: Credit card or prepaid card

There are two issues in my account that I tried to address with Capital One but I was not able to due to being transferred to multiple departments in their call center. 

The first issue is that I requested a credit balance refund check for credit of XXXX on the account and I was told they are not able to send it because their is a restriction on the account, I mistakenly over paid on the Capital One bill and wanted to get a refund for my funds. 

The second issue is regarding a dispute ; XX/XX/XXXX - XXXX XXXX XXXX  TUITION - T Other ... - XXXX - {$11000.00} After I made the dispute and before the dispute was processed. The merchant issued a credit on XX/XX/XXXX XXXX XXXX XXXX  TUITION - T Other ... XXXX - {$8600.00}. So I called to cancel the dispute with Capital One but Capital One still credited my account XX/XX/XXXX PURCHASE ADJUSTMENT Other XXXX XXXX. ... XXXX {$11000.00} for this charge I asked to be canceled. On XX/XX/XXXX ADJ-XXXX XXXX XXXX TUITION - T Other XXXX XXXX. ... XXXX - {$8600.00}, Capital One made this adjustment to the account, they also sent me a letter stating that they canceled the dispute because the merchant issued credit. 
However the issue right now is that the merchant XXXX XXXX XXXX is telling me Capital One took {$11000.00} back although Capital One stated they canceled the dispute. The merchant asked me to get a letter from Capital One confirming that they canceled the dispute. That is what I am requesting at this point.