23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Subject : Follow-Up Complaint Regarding Citibank Dispute Handling ( Reference Prior Case # XXXX ) Dear Consumer Financial Protection Bureau , I am submitting a follow-up complaint regarding Citibanks failure to conduct a fair and thorough investigation into my credit card dispute for a XXXX hotel charge of {$880.00} XXXX While Citibank has responded to my initial complaint, their investigation was incomplete and unfairly favored the merchant without properly considering all the facts. 
1. Citibanks investigation was one-sided and lacked due diligence. They blindly accepted XXXX standard non-refundable policy without considering my specific complaint, which involved a technical glitch that led me to book a hotel in the wrong state. They also failed to acknowledge the exceptional circumstances of my fathers passing, which directly affected my ability to use the reservation. 
2. Citibank placed the burden of proof solely on me, rather than investigating XXXX system. XXXX controls their own booking system, yet Citibank made no effort to review whether a technical error occurred. Instead, they shifted all responsibility onto me as the consumer, making it impossible for me to provide documentation that only XXXX would have access to. 
3. I am requesting Citibank provide the full dispute file, including all correspondence with XXXX. This is critical to understanding how they justified siding with the merchant, despite my evidence and extenuating circumstances. 

Given these failures, I respectfully request that the CFPB reopen this case and escalate it for further review. Citibank has a responsibility to conduct fair investigations and protect consumers in disputed transactions, and in this case, they have failed to do so. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

See attatched FRAUD CLAIM. DATE XX/XX/XXXX INVESTIGATION COMPLETION LETTER XX/XX/XXXX {$470.00} TEMPORARY CREDITS MADE PERMANET. see attatched. XX/XX/XXXX statement BALANCE {$470.00}. WHY DIDN'T THE BALANCE CHANGE?
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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : 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 reporting, credit repair services, or other personal consumer reports

I have been doing everything in my power especially during the pandemic to make my credit score go up and it has but yesterday I noticed that Nissan reported a negative comment on my report during in the pandemic I was late with one payment I decided to dispute it yesterday and today my credit score went down 18 points why is that when I have already turned in my car lease and why would they give me a negative report during the pandemic causing very very sad
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, has violated my consumer rights of the Fair Credit Reporting Act - FCRA under 15 U.S.C. Sec. 1681i ( a ), - XXXX XXXX reported a debt collection on my credit report without verification / validation for two different Account Numbers : EXPERIAN : Account number : XXXX - in the amount of {$30000.00} XXXX : Account number : XXXX - in the amount of {$30000.00} - XXXX XXXX XXXX, did not contacted me before reporting information to the credit bureaus. 

- XXXX XXXX XXXX, has failed to provide information validating debt, written documentation, original agreement with original signature of said debt. 

- XXXX XXXX XXXX was contacted via certified letter and returned receipt ( attached ) to remove Unverified, Inaccurate, and incomplete info to credit bureaus. 

- XXXX XXXX XXXX, has persistently reported inaccurate and unverified information to credit bureaus since XX/XX/2019. 

Furthermore, XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND THE FOLLOWING OTHER COMPANIES ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRED INTO MY CREDIT FILE WITHOUT MY WRITTEN CONSENT THESE INQUIRIES ARE THE RESUALT OF FRAUD AND IDNITY THEFT AND WERE NOT AUTHORIZE BY ME PURSUANT TO THE FAIR CREDIT REPORTING ACT 15 U.S.C SECTION 608 THESE INQUIRIES DOES NOT REFLECT COMPLIANCE WITH THE ACT AND FURTHER VIOLATES THIS STATUE BY FURNISHING INFORMATION THAT IS NOT COMPLETE AND ACCURATE
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$8400.00} XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPANY : XXXX XXXX XXXX HAS BEEN REPORTING DUPLICATION ON SAME ACCOUNT ON MY CREDIT REPORT. I HAVE NEVER HEARD OF THIS PROBLEM TILL IT SHOWED UP ON MY CREDIT REPORT I HAVE NEVER RECEIVED MAIL OR KNOW OF THE EVENT THAT TOOK PLACE ( XXXX  AND XXXX  XXXX ) HAS ALREADY TOOK IT OF MY CREDIT REPORT JUST SEEING IF YOU WILL DO THE SAME THANK YOU SO MUCH BECAUSE THEIR FOUNDING INCORRECT
Product: Credit reporting or other personal consumer reports

I am addressing an ongoing and unacceptable issue with Equifax knowingly reporting inaccurate information regarding a charged-off account. Despite multiple disputes highlighting the inaccuracy, Equifax has deliberately altered the delinquency date to prolong the life of this account on my credit report. The first date of major delinquency for this account should be reported as XX/XX/XXXX, not XX/XX/XXXX. This blatant misrepresentation is not only incorrect but a direct attempt to extend the reporting period beyond its rightful timeframe. Had the original delinquency date been correctly reported as XXXX, this account would have been removed from my consumer report entirely. Instead, Equifax 's actions have resulted in an unwarranted extension, which is a clear violation of my consumer rights. Furthermore, the date of last activity has been incorrectly updated to XX/XX/XXXX, which is impossible since this account was paid off in XXXX of XXXX. This false reporting compounds the issue and further demonstrates a failure to comply with federal standards. Under 15 U.S. Code 1681e - Compliance Procedures, consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information. Equifax 's repeated mishandling of this account constitutes a direct violation of this statute. I demand immediate corrective action. Equifax must remove the account from my credit report as it no longer qualifies to be reported. Failure to comply will leave me no choice but to escalate this matter further through legal channels or regulatory authorities. This is not a negotiable request ; it is your obligation under the law. I expect a prompt resolution to this issue.
Product: Debt collection

On XX/XX/XXXX was served with summons dated XX/XX/XXXX to General Sessions Court in XXXX county, TN for lawsuit for past due XXXX credit card balance. The court date was XX/XX/XXXX. I spoke with their office in XX/XX/XXXX before the court date and explained I knew about the debt, my situation/ or the reason I had not made any payments since XXXX that I was unemployed, lived in a rural area with no access to public transportaion and a car that needed an engine replaced. I told them I did not have the money to pay them and would pay when I could. When I asked for a continuance to have time to prepare for court, they would not allow me to obtain a continuance, they told me I would only lose and they only wanted a judgement and that it would last ten years. Since I only had five days to prepare, I was unable to arrange transportation and consequently did not appear in court. They got a judgement for {$1100.00}. the credit card balance was {$600.00} max and late fees that totaled the {$1100.00}. The attorney representing them is Finkelstein, Kern, Steinberg , & Cunnigham, debt collection firm. On XX/XX/XXXX I received a notice from their firm stating they were forwarding a certified copy of the judgement for the case to the register of deeds to place a lien against my primary place of residence. The document does not state the balance of the debt for the lien. I have never had a lien and was concerned about the amount of money they required. Because the letter did not state the total amount to satisfy the debt/judgemnt I proceeded to check the court records to confirm the amount and also contact the law firm about the matter. I told them I wanted to set up payments and spoke with XXXX who proceeded to firmly ask me questions about whether I had a mortgage or not. I asked hiim to explain their policy for setting up payments but he kept trying to ask more questions about my house. I am a senior citizen receiving public assistance. I told him my cell phone is a goverment issued life line phone with 300 minutes a month, because he wanted to call me on my cell phone. He proceeded to try to explain the process to make payments but never really did, and was indignant because I would not answer his questions about my situation. I told him I had been unemployed for ten years and was receiving SSA when I set up the credit card account. I told him I no longer received those benefits and that was why the payments were late. He was rude and hung up the phone before answering my concern about how to set up payments. XXXX XXXX I don't know if anything illegal happened but do question why the law firm did not reflect the balance owed for the lien on the mail piece I received on XX/XX/XXXX It was very intimidating and the phone conversation was intimidating as well.
Product: Debt collection

I was told to send in my bank statement so they can see that I check did clear. I sent my information on XX/XX/18. I was told that they were going to garnish my bank due to a returned check on XX/XX/18 and I made a payment on XX/XX/18 to make up for that payment. So I was sending my statement to avoid garnishment. I called XX/XX/18 to check on the status of not having a garnishment because of this returned payment because I sent a cleared one. XXXX a representative stated that I had a garnishment on my bank account since XX/XX/2018. Because I made a payment of XXXX and another one for XXXX. I have been sending in payments. I did not know of any garnishment until XX/XX/18. I told XXXX she did not know her job. I wanted to avoid a garnishment so who can I send the payment to? She stated that my bank is going to be garnished anyway so no point to send a payment. XXXX than called me right after I hung up because she felt the need to harass me at XX/XX/18bat XXXX XXXX. After I hung up on her. Why garnish my check when I have been making monthly payments. I know it is unfair. XXXX XXXX XXXX  sent me a notice XX/XX/18 stating that my check was returned if my attempt to make this payment give them a call. I called XX/XX/18. To resolve this situtuation.
Product: Bank account or service

On XXXX XXXX I called Citizens Bank to inquire as to why my account was in overdraft and the service rep asked me to hold and kept me waiting for 12 minutes. When they returned I explained to them that I am currently unemployed and as a courtesy would they stop debiting my account of the daily {$7.00} overdraft fee. The customer rep then told me it was my fault, laughed at me and hung up the telephone. I d already made a payment of {$44.00} for a {$20.00} overdraft and the current overdraft total is now over {$50.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account is being reported as repossession for months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I have made payments every single month including the mentioned dates. There is also holes in their reporting. One month will show repossession, another month will show no information, and other months will show as paid. I have opened multiple disputes with XXXX and have contacted my Finance Company directly over the past 3 months and Im still having the same issues. I have been told multiple times that higher ups in the company will look into it, and when the dispute is updated the information still being reporting incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX   XXXX XXXX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX   XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Credit bureaus are reporting against DC police report,XXXX showing that XXXX XXXX XXXX reporting negative is incorrect and illegal
Product: Checking or savings account

I transferred {$49000.00} on XX/XX/year> to my daughter 's account. Bank froze my account due to fraud risk. I called 5 times and clarified that this transaction is not fraud. I could answer all the questions and could verify my identity via phone calls ( with the help of translator ). I also suggested using video call. The bank would not unfreeze my account and insisted me to go to the financial center to verify my identity. I am outside of XXXX and can not go to XXXX in the near term due to health issue. I filed a complaint through CFPB XXXX in XXXX, but used my XXXX number XXXX The Bank wrote me an email, providing a contact number I can call. I called XXXX times but never reached the person, everytime I got transferred to voice mail. I can not pick up call of my XXXX number as I am outside of XXXX. So this time I registerred a new CFPB account using my XXXX cell phone number, and I request XXXX ) the bank to provide a direct number and specify a time I can call and actually reach someone in email, or XXXX ) call my XXXX number that is associated with this CFPB account. I am in XXXX so please call at a time convinient for both of our time zones and I need a XXXX translator on the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a fraudulent bankruptcy removed from the 3 credit bureaus and several accounts removed there is one account that stills needs to be removed that's XXXX  one fraudulent account was removed but one XXXX  that's reporting late. Also XXXX is report student loans under my social but under the name XXXX XXXX. I need those accounts removed asap
Product: Debt collection

this is the 2nd or 3rd time this " agency '' has sent a letter saying we owed money and they will settle it for less. 
We, however, were never behind in any payment to this office. I confirmed this fact each time I received a letter from this collection agency. I believe them to be a complete fraud trying to get money out of people who may not be aware.
Product: Debt collection

As stated with XXXX XXXX XXXX complaint with this office, now an attorney is trying to collect a debt that is wrong. Sent handwritten letter no response. Credit limit XXXX and they are trying to collect XXXX. This violated 15 usc FDCPA and FCRA as well as mail fraud and cohersion the or public ridicule with credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the cessation of reporting my credit information in accordance with my right to opt out under 15 U.S.C. 1681 and 15 U.S.C. 6802. Additionally, I request the removal of any past, present, and future credit information related to my accounts from all credit reporting agencies. Below are the details of the accounts I hold with your company and the credit reporting agencies they are associated with : Account Details : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition to ceasing the reporting of my credit information, I request the removal of any past and present information related to these accounts from all credit reporting agencies. Furthermore, please ensure that no future information about these accounts is reported. 

I also request the removal of any address from my credit reports that does not match my current address XXXX XXXX XXXX XXXX XXXX XXXX Please confirm in writing that you have received this request and that all relevant information will be removed and no longer reported. Additionally, please notify the relevant credit reporting agencies to remove my information from their databases and to update my address information accordingly. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX5 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Navient have file negative history on my credit reports with all three bureaus. During the time my student loan debt was reported the companies were sending paperwork and contacting my father ( same first and last name ) that I was not associated with at the time. I had not spoke to my father for several years and was not getting the notifications of who owned my student loan debts. 

I have now consolidated all of my student loans and not missed a payment for almost two years. My credit score is solid, but these negative marks are holding me back. I am asking for the items to be deleted from my all three bureaus because there is a XXXX  balance with the two companies. At this time I am up to dates on everything and would like things to be corrected because I did not know of defaulting.