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

It's a Citibank account opened in XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX. I have never been registered in the US for tax purposes and don't have a social security number but Citibank in knowing this were very happy to open an account for me. I moved from one side of XXXX to the other, my renewal debit card was sent to my old address almost two years ago I think. I have, without success, tried to cancel standing orders and tried to obtain a new debit card, and have no access to bank statements or online banking. On the XXXX of XXXX, I spent a recorded 80 minutes on the phone with an advisor. I gave her all the relevant information and sent a confirming letter at their request via XXXX, which was meant to confirm my identity and get them to send me a new card to my current address. Getting to XXXX is a very inconvenient journey for me at the age of XXXX. After 11 days of not hearing back, I contacted them and gave them the name of the person who signed the proof of delivery, then told them the address information was exactly as it had been dictated to me. I was told that the address given was on a different floor of their building and I would have to write to them again, which I did. Having to make the awkward journey into town to send the second letter via XXXX. Though we were initially told to only use XXXX, we were now told we can use any service, which we did, and we have a copy of our tracking information. On Friday the XXXX we booked an online XXXX  appointment for Saturday morning at XXXX XXXX  Pacific time. This appointment was confirmed by them, I waited 45 minutes on my XXXX on XXXX and they never joined the meeting. We also have proof of this and will gladly share it. My account now, I believe due to information shared with me by an advisor on the phone, is reduced to less than {$2000.00}. I wanted to use the account and put in some funds from the impending sale of a property, from which I will receive dollars as payment. But without my US account, I have to change from dollars to pesos and then back to dollars also throwing money away. As an elderly person with a lifetime of banking experience, I find the treatment from Citibank and the inconvenience to be unacceptable and they have caused me considerable unrest. Your guidance in this matter will be appreciated. Can you please help? I have tried numerous times and have not been able to make any progress whatsoever. As an XXXX who has for the last few years lived in XXXX, and wanted my simple financial management to be based in a reputable American bank I'm also disarmed by the inflexibility of their phone system which appears designed to be unhelpful. Please confirm receipt of this complaint to which I give my consent and hope that it will be made official. The attachments have been sent with the understanding that they will not be sent to the media.
Product: Mortgage

This is a follow-up to the complaint with Hunting bank. They responded in XXXX but I was not able to login to my account to view their response until just today. I call the cfpb a couple of times saying that I was not able to login to my account there, but never got a response other than someone would get back to me, but they did n't. 

I disagree with their response that I refused their offer to re-finance under their home savers program. What happened is that I was working with a XXXX XXXX, a mortgage officer at their XXXX XXXX. This person was very unresponsive and inept in dealing with my problem. She thought that she could do a refinance on both my first and second mortgage despite the fact that I was already past due by a month on paying my loan balance to them of over {$52000.00}. By the way, I did contact her as soon as I got the notice form the bank that my entire loan balance was due and payable in full, but she was slow in getting back to me and did not return my calls. 
After her working on the refinance for over XXXX months, she finally told me that she could not do the loan as my payment of the {$52000.00} to her bank was not paid and my account was past due. She knew this back in XXXX and should have told me at that time. If she had been a competent loan officer, she would and known when I first contacted her that she could not do the loan. At that point, I would have accepted the first offer from their XXXX XXXX department. Because of the way she handled this, I had hope that she was able to refinance both my first and second mortgage at a lower rate than the XXXX XXXX department offered. Because of how she handled this, I had to re-apply for the XXXX XXXX option and it took several more months of missing payments. I found that there was no communication between the various departments at Huntington Bank involved in my problem, despite the fact that I told each department which other departments I had talked to and gave names of who I was talking to in each department. 

Because of the way this whole thing was handled, not only is this costing me more because of the payments I missed, but I was approved at XXXX other mortgage companies for much lower interest rates to refinance XXXX mortgages but was only rejected at the last minute in XXXX case when Huntington Bank told them that my loan was past due.
Product: Debt collection

Changing date of debt and falsely reporting as a new debt each year. Two times they were asked to remove negative information on my credit due to original debt being over seven years old. Both times they changed the dates of the debt to claim it was still current.
Product: Debt collection

I was hoping by chance you could help me or guide me in the right direction. I received a loan from Western sky approx XXXX XX/XX/XXXX and around XX/XX/XXXX my loan was transferred than to XXXX for a few months, and then to Delbert services. I faithfully paid them {$750.00} per month and did n't really understand why my loan was transferred. By accident I was surfing the web to get Delbert services phone number and ran across the different complaints stating that the above lenders was fraud and no more payments should be paid to them. I cancelled my account they takes debits from. I 'm now receiving calls after calls from delbert services attempting to get payment. Each time they call I block the number and they call from another number. They are calling from all over the world. I asked XXXX of the representative if they were legal to practice in XXXX, IL and each XXXX said yes. I asked if they could send me proof that they are legal to practice here which I have yet to receive. How can I get them remove from my credit report if they are fraud? I obtained the order off Professional Regulation stating that Western Sky and its affiliates is ordered to cease and decease. I tried disputing Delbert Services off my credit report which they stated they have reason to believe the debt was mine. I never received a loan from Delbert Services it was transferred from Western Sky whom was not legit. Please help me. Thank you.
Product: Checking or savings account

Account transition from Simple to BBVA was scheduled for Saturday, XX/XX/XXXX. When attempting to enroll via the XXXX app, the process failed and the security question stage. I attempted to complete the process via BBVA 's website and was told my account was locked. After repeated attempts to get in touch with someone I was able to talk to a customer service rep that told me she would be sending an email within 20 minutes with instructions for unlocking my account. That email never came. Today, Sunday XX/XX/XXXX, I have repeatedly tried calling in with no success. XXXX my calls are disconnected as soon as I select the option to get to an agent, or I am met with what appears to be a pre-recorded message stating that they are unable to hear me, they start listing a different number for me to call, and the call disconnects before they finish. The last time I called I was connected and heard nothing but laughter on the other end.
Product: Credit card or prepaid card

Bank of America is refusing to give me the credit back for purchase that I did not make, someone charged to my credit card {$6300.00} twice in XXXX on XX/XX/2023
Product: Checking or savings account

Since XX/XX/2023 I've been trying to transfer {$20000.00} out of a XXXX savings account. The company cancels every transfer with no explanation. I've messaged on their app and emailed multiple times. This weekend, they locked my account entirely. I need my money!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M HAVING ISSUES GETTING MY PERSONAL INFORMATION UPDATED WITH THE CREDIT BUREAUS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX is the company that is reporting this to XXXX and XXXX. As well as JPMCB CARD is also reporting falsely. They removed it on XXXX but they were not able to remove it on XXXX and XXXX. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXXontacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
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 the 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 request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit information including ssn # and address and dob were obtained fraudulently and was used to obtain XXXX XXXX and personal bank info and loans. is is even with me having a fraud alert on my credit report. 

XXXX XXXX XXXX  {$53.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX {$510.00} XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information on my credit report is in accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express is correctly reporting my account status. My account is update and has been 2019. Ive made a payment arrangement since 2019 with American Express and they are not reporting my account correctly. My account ending in XXXX. Ive been making my court order of {$100.00} as request with the judgment.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : US DEPT ED Account number : XXXX
Product: Debt collection

In XXXX, my wages were garnished at waste pro. I did not know that there was a claim against me in court because during my incarceration, I was never notified of a court hearing. Upon my wages being garnished, I contacted XXXX and XXXX funding and sent him the proper paperwork showing this was not mine. I was incarcerated during that entire time. And they immediately released my funds from garnishment and told me within 30 days. It will be off of my credit report since then. I've contacted them by weekly. And every time I contact them, they act like it's a brand new dispute they open. This is not a new dispute. This was resolved back in XXXX of last year. 3 times this year, it's been suggested to me to go ahead and pay the {$1400.00} to get it immediately off my credit report. And then, after their fraud thanked us investigation, they would give my money back, they did this investigation already in XXXX of last year to refund my garnished wages. This company is holding me hostage.Of a mortgage, i'm trying to get by having me provide them XXXX times this year with the same paperwork over and over again
Product: Credit reporting or other personal consumer reports

Someone opened a account in my name and destroyed my credit profile upon reaching out to the company for removal nothing was done, after further reviewing account i noticed many errors with the account such as the wrong spelling of The name and also the incorrect address. i tried reaching out to the company myself but nothing was done so now I'm here submitting a complaint to the cfpb.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) raised a dispute request 30 days back with XXXX regarding my credit score decrease drastically, they investigated and gave some of the credit points, but not fully. 

2 ) raised a dispute request 30 days back with Equifax regarding my credit score decrease drastically, seeing same credit score even after investigation .. so raised second dispute with unsatisfied results
Product: Mortgage

We have a 15 year balloon payment due in XX/XX/XXXX. Mr Cooper is the mortgage company. We accept responsibility for loan. We have paid this loan monthly since XXXX. 
Our issue is that we never received information regarding the loan expiration. 
We had resources that if we had gotten info saying the XXXX was due we would have taken measures to stop this. Telling us on XX/XX/XXXX when we are making a payment and demanding full payment is beyond our means We have reached out to this company for options has not being fruitful. We are registering a complaint with Mr Cooper in hope that this complaint will help
Product: Debt collection

This company CREDIT COLLECTION SERVICE is repeatedly reporting to the bureaus that I have an open account with XXXX XXXX company and that is in fact false will not provide any information to me in regards to the account. Its also in violation of the FCRA .I have never dealt with XXXX XXXX Im married and me and my husband have the same company we have had for years. Its only reporting on one of my reports currently non of the others thats what raised a flag. I am in the process of filing a legal complaint if this is not corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX-XX/XX/XXXX somebody opened student loans in my name without my knowledge I reached out to XXXX XXXX and they are working to fix the issue I do have student loans that are mine but they don't add up to the amount that's being reported on my credit report.
Product: Credit reporting or other personal consumer reports

I have disputed this collection several times with the XXXX, transunion and XXXX credit agencies. Each agency has found that it was not my debt and removed it. Then it pops up on my credit a few months later under a different debt collector. this is not my debt. I've requested that the creditor send me the original contract to prove this debt to be mine. All of my request have gone unanswered as to why they still allow the debt to be placed on my credit again under a different debt collector after successfully removing it. I have not been supplied the doctrine of estopper by silence, XXXX XXXX XXXXXXXX ( XXXX  ) XXXX XXXX, XXXX, XXXX, XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. This is holding me back from moving forward in life. In no way can this debt be mine. I have not used this company. I have no addresses, phone numbers, or accounts tied to it. this is fraudulent. It is reporting as Account details Account Number XXXX Date Opened XXXX XXXX, XXXX  Last Activity XX/XX/year> Original Creditor XXXX XXXX  Monthly Payment {$580.00} Term Source Type Calculated Current Rating Collection/Charge-off Status Open Type Individual High Balance {$580.00} Unpaid Balance {$580.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Placed For Collection Account details No History Is Available Collection agency XXXX Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately
Product: Credit reporting or other personal consumer reports

On summer of this year I called XXXX to ask to differ three payments of my personal loan. XXXX over the phone offered and approved my request. I was told that my credit will not be affected. Arbitrarily, XXXX violate the agreement and started reporting to the credit bureaus. 

XXXX XXXX months I have being calling them to fix this issue and they are evading their responsibility. Continuously XXXX is telling me I have to wait. They are playing the tired game with me. 


I want from them stop reporting viciously and fix my credit report immediately.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I noticed an inaccurate negative information with one of my accounts. I've been trying to fix this error with the Bureaus but nothing changed. Please see attached file below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first contacted Trellis on XX/XX/XXXX disputing the first date of delinquency. I asked for proof of payment history to back up the date. All I received was a loan summary with ZERO payment history that they sent XX/XX/XXXX. I was told via email that XX/XX/XXXX was the date of delinquency was given by XXXX but there is ZERO paperwork of them getting this date. If there is, it wasn't sent to me as requested. This company is in violation of 623 ( a ) ( 5 ) ( A ) ( ii ) as they didn't follow reasonable procedures to obtain the original date of delinquency since the original creditor did not list it on my credit report. ALSO, once I disputed the information, they violated the FCRA by not conducting a reasonable  investigation. I did a reasonable investigation and obtained payment history from the original creditor that is listed. The original date of delinquency is XXXX of XXXX. All of this is backed by email correspondence. That was the date I fell behind and my account was NEVER current from that point. I have payment history, they don't. There is NOTHING to back up THEIR date This company has CLEARLY violated the FCRA and I want these accounts IMMEDIATELY removed from XXXX, XXXX and XXXX. I'm confident that now that I've pointed out this issue and completed THEIR investigation for them, which all I did was make a phone call to the original creditor, that I will have the desired outcome I asked for.
Product: Credit reporting or other personal consumer reports

Pursuiant to : XXXX XXXX XXXX XXXX XXXX Trans Union LLC, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, Case XXXX, XX/XX/2007 ( XXXX XXXX  ) ; XXXX XXXX vs. XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case : XXXX C XXXX, XX/XX/2007 ( XXXXXXXX XXXXXXXX  ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/2007 ( XXXX XXXX XXXX XXXX XXXX XXXX. 

Transunion is in violation by reporting that I'm delinquent in making my child support payments. First of all I have never been late with making payments. I recently discoverd that the were in violation by seeing a notice that they had posted on their website before the removed it
Product: Credit reporting, credit repair services, or other personal consumer reports

ChexSystems continues to report incorrect information regarding various accounts that have been settled or paid-in-full. This reporting has impacted my ability to obtain credit or checking. 

I have attempted to correct this with the agency numerous times.
Product: Money transfer, virtual currency, or money service

Two {$500.00} transactions via XXXX on XX/XX/year> to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( not the name I was given at the time for the account yet the other bank which I still do not know the legal name of accepted the transfer to this account ). I reported it to my bank ( Schwab ) when I realized it was fraud same day ( the person misrepresented themselves and situation ). Schwab Bank did not offer a satisfactory recourse or information to hold the other bank accountable which the fraudulent party used, nor give me the OTHER BANK 'S LEGAL NAME to properly report them for doing nothing about it nor holding the account that did it responsible or even requiring a legal response from the other party to prove themselves. The other bank according to Schwab only said they could do nothing about it and Schwab accepted this. Nothing else was done to assist me or hold the fraudulent party responsible.
Product: Debt collection

This account was settled today for {$3500.00} and this matter needs to be closed at XXXX XXXX  and closed on my credit report. Please leave this CFPB complaint open until both things have happened and my credit report is reflected of this change.
Product: Vehicle loan or lease

Account # XXXX The Truth in Lending Act is a XXXX XXXX intended to ensure that consumers receive accurate information when they enter into credit transaction. A GAP waiver is an optional contractual obligation offered during the finance of an auto in which the seller agrees to waive any amounts still owed on an auto loan in the event of a total loss. GAP ( debt cancellation agreement ) was purchased at the time, I entered into contract with Kia Motor Finance. At the dealership, I was informed that I will benefit if I get GAP. My car was deemed as a total loss and Kia Motor Finance was aware of that. While waiting for GAP to make the final payment, I continued to make online payment to Kia. GAP insurance is supposed to cover the difference between the amount I owe, and what my insurance pays. Kia Motor Finance violated the Truth In Lending Act, by not honoring the GAP agreement and charging my account off which dropped my credit score from XXXX to XXXX. I purchased GAP under the impression from Kia that no money would come out of my pocket in case of a tragedy, and that wasn't the case. I end up paying the loan off with my own money and GAP sent me a reimbursement check, yet my credit is still messed up.