23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Citibank initiated funds transfer upon account closure ( acct # XXXX ) to XXXX saving account # XXXX on XX/XX/2018 ( Item # XXXX ). However, the XXXX 's account was closed on XX/XX/2018. Hence, per XXXX, the incoming funds were rejected and sent to XXXX  XXXX XXXX who acts as a clearing bank for CitiBank 's bill pay service on XX/XX/2018 using tracing # XXXX Upon contacting XXXX XXXXXXXX XXXX, they do have the funds. Attached is the letters of XXXX  XXXX XXXX and XXXX XXXX and the proof of transmittal. 
Per XXXX XXXX XXXXXXXX 's letter, please reach out to the ACH processor ( XXXX ) and request the funds to be re-called
Product: Debt collection

CBE group keeps harrasing a family member at the number given. This family member is not the debtor. The debt is for XXXX XXXX / XXXX XXXX TV, and is disputed. The collector at CBE violated the FDCPA and told the third party family member about the debt ( creditor, amount, and my ssn! ) Please investigate this company. CBE group, XXXX XXXX XXXX XXXX, IA XXXX Phone : ( XXXX ) XXXX website wwwcbegroup.com They call multiple times per day, one of their fake phone numbers is XXXX
Product: Student loan

University XXXX, XXXX CTI have a private loan with American Education Services. 
There is a discrepancy with the interest I was charged and my outstanding balance. 
I will upload any documentation necessary for an assessment of this situation. 
Thanks
Product: Vehicle loan or lease

I have 2 hard inquiries from Navy Federal Credit union one on XX/XX/2021, & one on XX/XX/2021 for a used vehicle loan. that wasn't me that applied for anything, those inquiries are affecting my credit. I would like you guys to get that company to remove them.
Product: Debt collection

Credit control has been sending continuous calls, letters claiming that I owe them money. I have sent them continuous letters via email and mail in which they have not responded to any of them.
Product: Credit reporting or other personal consumer reports

4 months ago, I sent a dispute letter to XXXX XXXX and the credit reporting agencies challenging an inaccurate account on my credit report. XXXX XXXX is the alleged original creditor of the account that seems to be paid off. I don't recall having an account with your company. Furthermore, there was never correspondence sent to me informing me of the alleged debt or that the account was being sold. You are in violation of the FCRA for furnishing incorrect information. You are reporting XXXX different collection agencies to each bureau. The collection agency being reported to XXXX is XXXX. How is this even possible? Please see the attached dispute letter, which is dated, and time stamped as well as the inaccurate credit report. If this account is not removed within 7 business days, I will be seeking compensation and suing in small claims court due to negligence and violation of consumer laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C. 1681 sec 602 A : States I have the right to privacy 15 U.S.C. 1681 Section 6040Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

Send money through Western Union on theXX/XX/XXXX to pay a bill but the company sent it back through Western Union and there were supposed to give me my money back that I paid the company in the amount of XXXX. It was settled on the XX/XX/XXXX and I was supposed to receive my money on the XX/XX/XXXXXXXX. Company refuses to give me my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion 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 credit score over 719transunion  has me at a score around 590. That is a huge difference. transunion 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 transunion  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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE
Product: Mortgage

I am having ongoing problems with getting Carrington Mortgage Services, who just purchased my load in XX/XX/XXXX, to post my XX/XX/XXXX payment correctly. I received my statement today, and it had a {$5.00} overdue payment charged. In XX/XX/XXXX, I paid my normal payment, plus an extra {$100.00} through my normal recurring autodeduct. This payment was deducted as scheduled on XX/XX/XXXX and was not late. I also made an additional payment of {$1000.00} via Carrington 's website. This payment also posted on XX/XX/XXXX. The  incorrect posting of the {$1000.00} is the subject of a different complaint, still unresolved. Carrington charges {$5.00} to make an extra payment on the website, and I accepted this fee. However, it is incorrect to record it as an " overdue payment '' when the account is not overdue. I called customer " service '' to discuss this issue, and I was told that Carrington knows the account is not overdue and all fees default to the " overdue payment '' category on the website. 

This is completely ridiculous. I am not comfortable having a shady company such as Carrington record a bunch of overdue account fees to my ten-years-ahead-of-schedule and never late account. A reputable mortgage servicer should have the ability to differentiate between a fee charged for making an extra payment versus a fee charged for having an overdue account. 

To complicate things even further, the payment history screen on Carrington 's website is completely unintelligible ( printout attached ). I am receiving statements that are wrong, the website is wrong, and fees and payments are not being applied to the correct categories. They have only had my mortgage for three months, and I am already having a hard time keeping track of the mortgage balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

information need to be put back on b/c I found out its mine so please add it back : was giving false informations : XXXX, XXXX. 
Account XXXX This item was removed from your credit report. Please review your report for the details. 
Show Details | View your Report | View your credit score Deleted + 'icon ' Deleted
Product: Debt collection

Recieved a collection debt for an eviction that i had no knowledge of. The debt does not belong to me and will affect my credit tremendously. The debt is from identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  company repossed my 2 new car 5 years ago, i got those two cars after trading my XXXX XXXX XXXX XXXX  XXXX milage.payed XXXX XXXX dollar down payment.made payments for three year untill i defoulted late payments due to husband death i had XXXX XXXX, i was still working and paying them, one day they called me at work for late payment due to nature of my work i could not carry converstaion with XXXX corporate office worker he said since they can not communicate with me they are going to repossed my cars i told them i did on line bank payment they should get it by tomorrow.next day they took both cars away and auctioned them in market for cheap price, and told me to pay them XXXX dollar more to them.ever since that day i have been called and harrassed by their company, they call me from different phone numbers and harrases me to pay them.plus doing negative reporting to my credit .i dont know what to do any more ...
Product: Debt collection

I've received numerous calls from CMRE Financial Services at XXXX. The company provides no way to be removed from their call list because they only leave voice mails and the phone never rings. The most recent call I received was on XX/XX/2022 at XXXX. The voicemail advised that it was CMRE Financial Services calling on behalf of XXXX XXXX XXXX  XXXX. They also advised that they were attempting to collect a debt for XXXX XXXX under account # XXXX and to call XXXX or go to XXXX. I've never heard of XXXX XXXX. I have no debt to be collected, so this call is not for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to corrected/fixed immediately XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Waypoint Resource Group are reporting a debt on my credit file I do not owe. Not only do I not owe this debt, they are double reporting on my credit file! This is in clear violation of the FCRA ACT LAW and needs to be removed off my credit file.
Product: Credit card or prepaid card

I have had a chronic problem with Synchrony Bank. A few examples include unauthorized charges ( XX/XX/XXXX ), Incorrect credit report notation ( XX/XX/XXXX ) and Incorrect statement notations ( XX/XX/XXXX ) to name a few. My current issue involves the wrongful dishonor of a legitimate medical co-pay charge from a medical provider ( " merchant '' ). By way of background, at the time this {$40.00} charge was attempted, there was a remaining available credit amount of {$7000.00} and the card was, and always has been, current and I also received a note from the bank thanking me for managing the account. Not only did this declination cause me considerable embarrassment, it constituted the bank 's taking an adverse action, limiting or suspending access to this account without proper prior notification. I contacted the bank and was not provided a reason for this adverse action except that the : ... merchant don't ( sic ) accept the card ... '' This " explanation '', of course is pure nonsense, as the card is represented as a universally accepted MasterCard and I was on the phone with the merchant as they attempted to put through the charge - unsuccessfully three times. For the record, I am an authorized user.
Product: Consumer Loan

My XXXX XXXX XXXX is financed through Credit Acceptance where I am the cosigner as I had to get my XXXX-year-old father to sign as principal after finding out I am the principal on my son 's XXXX XXXX truck I cosigned a few years earlier. This was done without my knowledge or approval ; I mean I will cosign for my kids but NEVER the principal signee but that 's another story. Since XXXX of XXXX after being contacted by my Dad that he was forced to make XXXX payments on this account to keep it current. At the time, I had missed XXXX XXXX XXXX payment & another one was n't due until the XXXX of XXXX XXXX. Okay, thanks Dad, paid him back & set up my automatic payment again. Credit Acceptance took another payment in XXXX so it was really ahead, then XXXX in XXXX on the XXXX & then the XXXX. I called in XXXX as I 'm a XXXX & can not afford their mistakes. They blamed this on having XXXX separate accounts set up even though they both came for the same & original bank account. I received a call on XXXX XXXX, XXXX where I was told I was again a payment behind ; they did not take XX/XX/XXXX payment for some reason even though these were once again submitted in XXXX XXXX. I made arrangements for their automatic payment representative to set this up once again, even being read their disclosure authorizing this. I also made sure all my info was correct as my father 's diagnosis of familiar XXXX XXXX XXXX was confirmed & wanted to be sure they had everything accurate. I stupidly enough thought all was well until Sunday evening, XXXX XXXX, XXXX ; when the repossession man was at my door to get the XXXX in the garage. Thinking everything was just a misunderstanding, I let them take it as I was also under the impression I had no other choice ... this money was just sitting in my bank account so it was no problem getting it caught up once Credit Acceptance was opened on Monday morning but, this came with a {$330.00} loss I am told is my fault for not making sure the payments were actually drafted. I 'm thinking, XXXX more payments & they know the principal signee has XXXX XXXX who was also NEVER contacted. This seems like a scam to me!
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. 

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 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: Debt collection

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/XXXX THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transaction were authorized, I was charged fees due to lagged posting of charges and credits. this issue aligns with the recent CFPB finding against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX  Accounts has violated my Rights. 
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 15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I signed up for the XXXX XXXX XXXX program with XXXX XXXX XXXX. I was advised by XXXX  XXXX  to send and email to Upgrade to stop my auto draft. I sent the email to Upgrade on XX/XX/XXXX. On XX/XX/XXXX Upgrade drafted {$230.00} from my checking account. My wife contacted Upgrade ( on a recorded line ) and was advised that yes auto pay had been turned off and she initiated the refund process. Again I sent an email requesting that auto pay not happen in the future. The refund was denied. On XX/XX/XXXX another payment was run on my account and this time it left me with a negative balance of {$180.00}. Again my wife reached out to Upgrade ( again on a recorded line ) and was advised that I did not have auto pay turned off. The representative read a disclaimer stating that auto pay would stop as of XX/XX/XXXX. My wife requested that the auto pay stop be backdated to XX/XX/XXXX and the representative stated she could not ( would not ) do that. I have contacted my financial institution and started a Fraud charge case, and in the next week I will be closing my checking account. Multiple questions- why would I call about auto pay if it was active? why do I need to close my checking account to prevent this from happening again? and why did I have to initiate stop auto pay on XX/XX/XXXX when it was already stopped?
Product: Debt collection

PREFERRED CREDIT Potentially negative Date opened XX/XX/ Balance - Status Paid, Closed. {$3100.00} written off. 

Unaware of this debt ... .no knowledge...
Product: Mortgage

I have a conventional 30 year fixed rate loan with Chase. Not high risk. They refuse to cancel PMI at 80 % stating that I need to be at 75 % due to XXXX XXXX guidelines. The loan is from summer 2015. My understanding is the homeowners protection act overrides any lender 's requirements.
Product: Vehicle loan or lease

In XXXX of 2019 my auto lease was paid off by my insurance company due to my car being totaled out. The leasing company has not updated the credit report since XXXX of 2019. Right now my report still shows that owe over XXXX dollars on a lease that was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX was looking at my credit report and saw that I had some inquiries that wasn't mines. I didn't give these companies permission to run my credit. I am a victim of identity theft please delete these accounts. XXXX XXXX XXXX XXXX inquiry date of XXXX, XXXX XXXX inquiry date of XXXX, XXXX XXXX inquiry date of XXXX, XXXX XXXX inquiry date of XXXX, XXXX XXXX inquiry date of XXXX, Texas XXXX XXXX XXXX inquire date of XXXX, XXXX XXXX XXXX inquire date of XXXX, XXXX XXXX XXXX XXXX inquiry date of XXXX, XXXX XXXX XXXX XXXX inquire date of XXXX, XXXX XXXX inquire date of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquire date XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquire XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquire XXXX XXXX XXXX XXXX XXXX XXXX inquire date of XXXX, XXXX XXXX inquire day of XXXX.
Product: Debt collection

I have submitted a valid ftc report and police report and this collection agency refuses to comply with FCRA laws
Product: Credit card or prepaid card

On XX/XX/2023, I called customer service number XXXX to request a replacement card as instructed in a Citi email I received on XX/XX/XXXX informing me that if I did not use my credit card by XX/XX/2023 then my account would be closed. I spoke with a customer service agent to request a replacement card, and during the call I requested my phone number and address be updated as I had moved and changed my phone number. The customer service agent validated the updated phone number and address. I also received a Citi email on the same day of the call, XX/XX/2023, confirming my phone number and address were updated. Today, XX/XX/2023, I decided to use my credit card to keep the account open, so I went to the website referenced in the Citi letter with the attached new replacement card to activate it. The website confirmed successful activation. I then went to purchase concert tickets through XXXX. I tried twice to purchase tickets, but received an error from XXXX 's website saying the card was not valid. I contacted customer service by calling the number on the back of the replacement card at XXXX and I spoke with a customer service agent who stated she could not validate my account with my new phone number. I asked to speak with a person above her, and was referred to a supervisor who repeated the claim they could not validate my account with my new phone number and stated a letter would be sent in the mail in 5 to 7 business days. I asked to speak to someone above her, and I was told at XXXX XXXX XXXX that a manager would call me back. I requested the reference number for the call, and the supervisor provided the reference number. I waited an hour, and I called the number on the back of my card again. I spoke with an agent who said the manager would call me back. No call back. Why is my access to credit being held hostage when I have already provided a new number, activated the account, and passed all security checks? Today, XX/XX/XXXX, I called the customer service number again, and spoke with XXXX. I explained to XXXX that I had not received the letter as promised in 5 to 7 business days since my last called with customer service on XX/XX/XXXX. I explained to him that it is important that my account not be closed as scheduled by Citi on XX/XX/XXXX due to the fact that I am trying to buy a house now, so I do not want negative changes to my credit. He placed me on hold to ask his manager if he could override the security checks, and he claims his manager told him no. He went on to tell me to wait for yet another letter, but when I asked if my current address was the one it would be sent to, he stated he could not verify yes or no and that the address on my credit report would be the one he would send it to. He also told me when I asked about the address on my credit report he could not share the address with me. I told him I did not care anymore to go through this process, thanked him for his time, and hung up.