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

Last week XX/XX/XXXX I contacted American Express after I received a letter from American Express dated XX/XX/XXXX ( a copy is attached ) in which it stated that " American Express offers payment options for card members who may be experiencing financial difficulty. '' While trying to contact an American Express representative I was given a recording in which it was stated that American Express had only outside debt collection agents in which I would have to pay a fee. Yet in XXXX, XXXX I was told that American Express had a debt settlement program for 5 yrs, 7 % interest and a monthly payment of {$290.00}. 
In the letter dated XX/XX/XXXX American Express stated " we provided accurate information and serviced your calls professionally ; this statement is completely false!
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated all my negative account, was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receives my disputes.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states if item are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Credit card or prepaid card

XXXX, XX/XX/2018 From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, Phone : XXXX XXXX XXXX Sub : Complaint against Citibank for nullifying my check by mixing of refund of credit balance with standard purchases, a discriminatory and retaliatory action against me by Citibank. 

To : The Chairman, CFPB Dear Sir : A check was issued to me by the Citibank on XX/XX/2018 ( check # XXXX ) in the amount of {$66.00} as a refund of my credit balance. Before issuing the check the Citibank added this amount on XX/XX/2018, to the total of my standard purchases ( of 8 items, which comes to {$360.00} ), and thus increasing the total of standard purchases or charges from {$360.00} to {$430.00}, please see the row item purchases +XXXX under the header of Accounts Summary. You may also see this on XX/XX/2018 billing statement already sent to CFPB in XX/XX/2018 in pursuant to the case of Conditional credit, and is also shown below for quick reference : This action by the Citibank has nullified the check, issued to me on XX/XX/2018. Citibank must reissue a new check to me for he amount of {$66.00}. Because of discriminatory and retaliatory action by Citibank against me, I was forced to close my Diamond Preferred account, which I had been keeping, for last 24 years. 

Regards, XXXX XXXX XX/XX/XXXX STATEMENT ( Billing Period : XX/XX/18-XX/XX/18 ) Minimum payment due : {$0.00} New balance as of XX/XX/18 : - {$140.00} Payment due date : XX/XX/18 Accounts Summary : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Previous balance - {$360.00} Payments - {$0.00} Credits - {$210.00} Purchases + {$430.00} Cash advances + {$0.00} Fees + {$0.00} Interest + {$0.00} New balance - {$140.00} Trans Post date date Discription Amount _______________________________________ Payments, Credits and Adjustment -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX XX/XX/XXXX XXXX 's XXXX : - {$140.00} XX/XX/XXXX Refund Credit Balance : {$66.00} XX/XX/XXXX Citibank Conditional Credit for Dispute : - {$68.00} Standard Purchases : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XX/XX/XXXX XX/XX/XXXX Reverse XXXX *XXXX XXXX XXXX : {$68.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX : {$47.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX : {$24.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX : {$3.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX : {$15.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX : {$40.00} XX/XX/XXXX XX/XX/XXXX XXXX  : {$16.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX : {$140.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX DOB : XX/XX/XXXX Equifax : XXXX XXXX XXXX, XXXX, GA XXXX RE XXXX Correction to my personal information Dear Equifax, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect name and address. 


Incorrect adress : XXXX XXXX XXXX XXXX XXXX, FL XXXX Incorrect name : XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have dealt with months of poor customer service and a non-functional product. Cashapp at no such time has provided me the services the company advertises. I have not been able to send or receive money, purchase stocks, and/or perform any of the functions the company advertises. 

Additionally, cashapp demanded a litany of invasive personal, financial, and biometric data under the guise to obtain an account, but has provided no such services after the company took possession of the data that it coerced me into giving. 

Cashapp has refused to share details of the account status, and has resolved no outstanding issues as of the date of submitting this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX  and Transunion to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance {$64000.00} ; XXXX XXXX XXXX XXXX Balance {$28000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$8600.00}.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees over the course from XXXX to XXXX regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings 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 now closed account transactions.
Product: Mortgage

I requested from XXXX XXXX that they provide proof that they had the promissory note and the right to foreclose. I believe that the promissory note was sold to a mortgage backed security ( MBS ) or REMIC TRUST by American General finance or Springleaf finance before XXXX XXXX even obtained it. I need a forensic securitized audit to be performed so I can show that the deed of trust they hold was rebuilt after the original loan from evergreen mortgage was securitized into a stock. Because when that is done, the promissory note is paid, the loan is converted to a stock and registered on the SEC as a REMIC TRUST, and can never go back to being a loan per Federal Accounting Standards ( XXXX ).
Product: Checking or savings account

My account was locked at the beginning of XXXX shortly after opening. I have called multiple times, I have asked for a call back, I have submitted my identification, but my account is still locked with no information why and when I will have access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed something TransUnion reported to XXXX XXXX. 
As of XX/XX/2022, When I log into XXXX XXXX to check the dispute, not only does it show it's been more than 30 days, but it shows that there is still no decision on the dispute. I reached out to Transunion on XX/XX/2022 and i was told by them, that according to them, not only did I not have any current or past disputes, but if I were to receive an answer that it would have gone through XXXX XXXX, they could not be of assistance, and to contact XXXX XXXX, and would not help me any further. 

When reaching out to XXXX XXXX that same day, i received a reply on XX/XX/2022 that also says they ( XXXX XXXX ) could not find any disputes in there system, ( despite when i log in i can still see it in my dispute section ) and that they too could not offer any additional help as they did not have the resources but i was welcome to ask them any further questions
Product: Debt collection

I sent a certified letter to XXXX XXXX XXXX XXXX on XX/XX/2021. The letter included a notarized Affidavit of Truth including Exhibits A, and B., and a Cease & Desist Letter as well a an invoice for violation of my Federally Protected Consumer Rights under 15 USC 1692 in the amount of {$3000.00}. The Law firm is in violation of the following : *15 USC 1692g ( c ) *15 USC 1692g ( d ) *15 USC 1692i ( b )
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX Equifax is showing on the XXXX XXXX account that I am making {$39.00} payments on this account from XXXX to XXXX. I HAVE NOT MADE ANY PAYMENTS ON THIS ACCOUNT PERIOD! THIS IS FRAUDELENT REPORTING TO THE CREDIT BUREAU! 

In addition, the balance is stating XXXX from XXXX to XXXX. If any payments were made why wouldn't the balance be lower? This balance has remained the same for the last 4 years! 

Equifax says is account was opened since XX/XX/XXXX. THAT IS 7 YEARS AND NINE MONTHS! WHY ARE YOU STILL REPORTING THIS ACCOUNT AFTER 7 YEARS! 

THIS CREDITOR IS FRAUDELENT AND EQUIFAX IS FRAUDELENT REPORTING THIS ACCOUNT WITH FALSE INFORMATION. 

EQUIFAX IS TO PROVIDE PROOF THAT XXXX A MONTH PAYMENTS WERE MADE ON THIS ACCOUNT FROM XXXX TO XXXX. 

IN ADDITION, PROOFING THIS IS MY ACCOUNT, AND PROOFING THE BALANCE. 

EQUIFAX IS PAST THE 7 YEAR MARK AND IT IS STILL SHOWING THIS FRAUD ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 XXXX
Product: Mortgage

Our XXXX loan was sold to Carrington Mortgage Services. After two months, they said we could get into a program to reduce our indebtedness on our home since we were underwater. Carrington then sold the loan to XXXX XXXX for approximate value of our house. Carrington was paid in full for the loan yet they reported that we short sold the loan. Since we still live in the house, this is impossible. Senator XXXX XXXX 's office has stated that we were not in any Nevada home refinance program. Note that Carrington purchased the loan in XXXX 2014 and sold it in XXXX of 2014. The report on our credit prevents us from obtaining lower interest in a refinance for three years. 

Note also that we never signed any paperwork with Carrington
Product: Credit reporting or other personal consumer reports

in XXXX of 2022, we asked for payment options since we were affected by XXXX XXXX and we needed to skip a payment or XXXX on our mortgage. The representative we spoke to said we can do a forbearance for XXXX months and that it would be tacked at the end of our loan. All we had to do was call back in XXXX  months and start the payments again. When we called back, they told us that we had to pay the entire XXXX  months up front to make the account up to date. This made XXXX sense because we wouldn't have gone into forbearance in the first place if we knew this information. We tried multiple times to get the proper paperwork in to fix this, but we kept getting it pushed back to missing information. We spoke with another Loss Mitigation XXXX and she said we can split the owed amount into a payment plan throughout the year. We said great! What she failed to tell us is that we would be reported as " late '' on our credit report EVERY XXXX MONTH until it was paid off. So we still made our mortgage payment with the extra amount from the forbearance and it was considered " Late ''? This didn't make sense and completely unfair if we are still making our mortgage payments ON TIME. I asked for my recordings from the time of the XXXX  forbearance to hear what the first representative had told us and they responded that they legally do not have to provide those. Myself and many others are speaking to a lawyer who have had the same issues with this lender. My husband and I had a XXXX XXXX in the high XXXX and now it is in XXXX due to this misleading information from this company. I can not provide any recordings as proof since everything was done over the phone.
Product: Mortgage

Nationstar has Re-acquired my loan from XXXX. 
Current issue they charged me corporate fees for XXXX to transfer my loan. I had to pay these same corporate fees, when Nationstar acquired my loan. 
I can not get an explanation as to why I 'm responsible for these fees when I did request these transfers. 
Old issue that has ruined my credit. 
When Nationstar acquired my loan from my original lender, XXXX. Nationstar did not honor my mortgage loan agreement. I have made numerous calls to straighten this out with no return call, person no longer handling my loan or some other excuse. I also requested documents on my loan they received from XXXX, which they never sent. I was told once that my loan was Modified. I requested the documents I signed that I agreed, acknowledged to this loan modification. 
I want these issues addressed and the documents.
Product: Checking or savings account

I had opened a promotional account introduction offer from Citi Bank which required a deposit of {$15000.00} for 60 days into a new account when you opened a checking and savings account, in which you would receive a {$400.00} bonus. I did this in XX/XX/2020, and in early XX/XX/2020 I had reached the eligibility criteria. In XXXX I had contacted about when I would receive the bonus, and they said it would come by XXXX, and that I had met the eligibility criteria. Due to inactivity in my checking account, they had closed my checking account at the XXXX  of XXXX, though I left my initial deposit in my savings account until I received the promotion bonus. Over the course of the next few months I had contacted the bank due to no funds being provided, and they mentioned that I should be receiving it soon. In XXXX I had opened a case because I had still not received the money ( within 90 days ), and they told me there was no promotion offer. After I had called and told them that there was, they had confirmed that there was a promotion, and that I had met the eligibility criteria, even though one of my accounts were closed, and this was confirmed by multiple people. 

I have now received a letter that I am not eligible for the offer because my checking account was closed, even though I had deposited my funds in the savings account and had met the bonus criteria initially. They said I had to have both accounts open by the time the funds were 'deposited ', but that was not the initial offer, which was that you needed to have the money in the account for 60 days and then you would be able to get the bonus. There was no mention of any additional criteria of keeping both accounts open ( which I did not close the account myself, but Citi Bank closed it ). 

I had met the original bonus criteria, and I believe that I am still owned the bonus from Citi Bank because I met the original criteria that was in the promotion material when I applied. When I received the response letter they didn't even reference any material stating that I had to have the account open AFTER I had already met the criteria. Other bonuses that I have received in the past have been deposited fairly quickly after meeting the criteria, so that's what I was expecting with this bank, but apparently not, and their inaction apparently switched my bonus eligibility from yes to no.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and notified bureau and also send documentation to XXXX creditor to verify the problem yet they say they ca n't remove the inquiries. police report was sent as well as several calls and letters in the mail over the past XXXX mths
Product: Credit reporting, credit repair services, or other personal consumer reports

The property I owed located on XXXX XXXX XXXX XXXX XXXX, IL was sold on a short sale on XX/XX/XXXX The creditor, Seterus, continues to report the account as past due onXX/XX/XXXX, even though as per the documents the house was sold and the title passed to the new owners on XX/XX/XXXX. In addition, they also continue reporting that the house was in foreclosure as ofXX/XX/XXXX, even though foreclosure proceeding never started and the house was sold two months before that. There should be no data reported for XXXX and XX/XX/XXXX.
Product: Consumer Loan

I have been given the run around from XXXX when I call and this company who has acquired my loan. I purchased this car under fraudulent conditions. This loan was purchased from XXXX XXXX XXXX. The balance and due date change is incorrect and has me delinquent. Also I was not notified of the salvage title on this vehicle. XXXX XXXX XXXX did not notify this company of the issues I had been having and am having with this vehicle. This vehicle lost power steering, leaks gas, and oil, and should have been addressed. I called XXXX and was advised they have no knowledge of the salvage title. I have brought this car to several dealerships to trade in on another vehicle and have been advised they were unable to trade this vehicle in due to the XXXX. I am at my wits end as XXXX has filed bankruptcy and everytime I call them they direct me to the new company who advises me they have no knowledge of any of this. I want all of my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on the new requirements for Public Records I have filed disputes with XXXX, XXXX and Equifax to remove my tax lien based on it lacking a full SS # or D.O.B. I disputed 2 times with XXXX and they just last week removed the lien. With Equifax I disputed for the 2nd time on XXXX XXXX, 2017 with XXXX ID # XXXX. I advised that only some of the information was removed, but the PR still sits on the report. the only details is reference number and $ amount of the lien. No other information. I provide her with the reference number, Book and page and advised that the lien only shows the last 4 digits of the SS # and no D.O.B. I 'm still waiting for resolution. With XXXX, I disputed first on line the week of XXXX XXXX. They came back with complete and verified, remains on report. I called and talked to a CSR named XXXX on XXXX XXXX and he told me it was verified and remains on report. I got a copy of the Lien and called again on XXXX XXXX and disputed with XXXX. She provided me with their fax number, I faxed a copy of the lien together with a very detailed cover letter. Today XXXX I found that again they verified and " updated '' the lien to " paid '' but that it will remain on my report until XXXX. I talked to two different gentleman ( one went by name of XXXX ), he was a supervisor. I explained that under the new National Consumer Settlement and PII enhancements that the lien should have been removed  and even advised that they have a document on their website that has all of the details of the new required information. Still, after verifying that they did in fact receive copy of my lien that they verified the information and it will remain or the only thing he would do is again dispute it. I have a copy of the lien, but I do not have it saved as a document so I can not attach it. Please let me know if there is other information you may need for your investigation.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I request a credit limit adjustment to XXXX XXXX dollars to match most of my other credit card accounts from the other banks. My current credit score is XXXX & have been self employed for over thirty years now.
Product: Student loan

I paid off my loan with sallie mae years ago and now they are putting negative information on my credit report. The loan was settle and paid off around XXXX but it still shows on my credit history as of XXXX/XXXX/XXXX
Product: Money transfer, virtual currency, or money service

Opened my chime account to see no money found XXXX transactions fr the XXXX of XXXX. All to what not also found my chime account was logged in all over the country. Was told every transaction was made using my virtual card changed password and was told all was safe XXXX later the same thing happened filed a dispute again and was told the pending transaction action would be reversed. Later that day first disput was denied wasnt given a reason why has to ask for the info the only info was they based it n evidence given and showed only my evidence showing the whatnot account I had had zero transactions on it and whatnot only alllows one account. Filed a rebuttal this tie showing chimes geligence in telling me my account was safe next day all transactions were finalized not reversed so I had to die a third disput. Second disput was eventually found that dead did occur and the first one which had the exact same details was denied again and the third one still on going. Reopened the rebuttals showing the one was appprove not tone danced again out of XXXX taken out of my account Ive seen XXXX back the remaining they are refusing to payback. And upon every denial zero reason are giving and no evidence other than mine was used. Also each denial is done after midnight my time my guess is so I do t see it right away 30 days and still no oney and nobody helping for real just reading a script. I posted on their subreddit o y to have them remove it. I have been on the phone countless times white chime no rep seems genuine inn helping just quickly get off the phone not alllowed to speak directly to the investigation team so Im not even for sure if the new info gets to them. I also have no way of checking and confirm the status just have to take their word for it