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

Hi, I have a Citi Executive Response case open # XXXX. 

I wanted to let Citibank know that I am currently abroad until end of XXXX and do not have access to my US phone number, so it makes sense that your attempts to contact me were unsuccessful. Please try to contact me through email communication during this time if possible. I also re-contacted XXXX regarding this matter and it seems like I have not heard from the right servicing team, as there is not a team that handles special case as such. Please also note that the only way I could reach XXXX is their customer service via live chat or email address XXXX, and they have claimed that I have no other way I can reach out to the right servicing team, as their own team does not know who can help me out at all. 

I would also like to bring to your attention that XXXX is NOT A FINANCIAL INSTITUTION, but a MOBILE PAYMENT SERVICE, so they do not have any team that can handle recall request ( referred as completed Uniform Indemnity Agreement by Citibank ). They have a team to handle dispute, but my recent XXXX dispute attempts were unsuccessful, as XXXX claimed that they do not reverse any successful transfer and provided a trace number of XXXX for Citibank to confirm the receipt. They also asked me to ask Citibank what happened to the funds since it has been credited to my Citibank bank account balance but not released to me? 

I appreciate if Citibank can provide advice in recovering this {$1500.00} fund besides reversing it, as XXXX has clearly stated that they do not reverse/dispute any bank transfer that is successful. XXXX have " indefinitely '' rejected my dispute case because the transfer has been credited to my Citibank account balance. However, I have attached the images of my XXXX account profile, linked bank accounts and the bank transfer details to Citibank if this helps. As you can see in the profile, my email address and phone number are matching what I have on my Citibank account. My first name " XXXX '' is a preferred name as XXXX does not require the use of legal name as it is not a financial institution. As you can also see in the third photo, Citibank account ending XXXX is one of the linked bank accounts on my XXXX account. Also in the recent email that they rejected my dispute, I noticed that they used my legal name " XXXX XXXX XXXX '' while writing that email, if that helps? I hope that these details are sufficient and helpful for Citibank to issue the remaining balance of {$1500.00} back to me. 

Please do let me know if there are any other documents I can provide to claim this fund back, if the details above are not sufficient. Just to clarify again, XXXX is unable to reverse the transfer since the transfer is successful. This has been on-going for months so I hope Citibank can really sort this out with me. I am expecting to relocate to XXXX in end of XXXX so I really would like to have everything sorted out by then, please really do help me out.
Product: Credit card or prepaid card

On or about XX/XX/2022 ordered two balance transfers via my wife XXXXXXXX XXXX Discover XXXX ' card ( account ending in XXXX ). Balances being transferred from two different XXXX XXXX credit card accounts in husband XXXX XXXXXXXX XXXX  name ( account ending in XXXX for XXXX and account ending in XXXX for XXXX ). Total balances including balance transfer fees posted to Discover XXXX ' account statement XXXX or XXXX. Checking XXXX XXXX accounts found one had been credited for XXXX, the other not credited. On XXXX XXXX checked again, second balance still not credited, contacted Discover. The XXXX which was to be transferred from XXXXXXXX XXXX account ending XXXX was instead transferred from a completely unrelated account whose user is unknown to me ending in XXXX XXXX XXXX. Contacted Discover, must wait 8 days to investigate per their policy. They recommended we contact XXXX XXXX who said there was nothing which they could or would do to help. To sum up, we are now, rather than moving a balance to a 0 % XXXX Discover account, looking at twice that sum, one on Discover and one on XXXX XXXX. This must not stand and noone other than we seem motivated to act. HELP!! 
XXXX and XXXX XXXX, XXXX, Florida
Product: Credit reporting or other personal consumer reports

The Credit bureaus XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account number : XXXX and XXXX Account number : XXXX were properly investigated and being verified as accurate but how is that possible when Ive already stated and showed proof these accounts have been taking to court with the judge ruling in my favor. It was brought to my attention that this debt was open in the state of Georgia in XXXX. I do not live in the state of Georgia. I do not have no knowledge of this debt that does not belong to me. I will be providing proof and I will also have, the documents attached with the judge signature stating that this case was dismissed in my favor. All the information on this account which is inaccurate and a violation According to XXXX XXXX XXXX XXXX, XXXX, EQUIFAX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency XXXX XXXX and Equifax block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email Email : XXXX XXXX
Product: Mortgage

Started loan process with XXXX XXXX, GR rep in XX/XX/XXXX. Presented my case to him. Newly Chapter XXXX discharged in XXXX 2020. Working with realtor who recommended him. No problem we will get you funded. Got preapproval on final contract in XXXX. Sold my other property and closing date scheduled XXXX XXXX 2020. New purchase closing scheduled XX/XX/XXXX. Notifications start coming two weeks prior - to extend my date. I was asked to provide info and I was originally given a conditional clear to close in early XXXX I think. Then after working with their agent XXXX XXXX to get what they needed, then nothing just asking for extensions. I had to move out of my house and the new seller allowed me to move into the property at the end of XXXX. From then is what continued request for extensions sent to my attorney and this went on until XXXX 2020. When finally they came back and said sorry we are not going to fund you. So I had to secure a new loan with a new vendor. Mis-representation at its best when i reached out to them to try and secure my request for reimbursement i told them they had never sent me a denial letter. So they created one for XXXX XXXX 2020 which said that I was denied credit for bankruptcy and credit issues. It was never due to either of these things since my bankruptcy was presented originally. I showed proof of all payments they required of me and any other documentation. I letter from the clerk of the bankruptcy court validated all my payments were made on time and under the program. So I am claiming that denial is a fraudulent statement. They even tried to present my loan to Proper Rate and asked for extensions to that company which actually had no FHA loan clearance to even process the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputing with CapitolOne two different accounts ending in XXXX opened in XX/XX/XXXX opened without my knowledge or consent for {$3600.00} and act ending XXXX opened in XX/XX/XXXX with my knowledge or consent for {$2000.00}. I have sent certified letters to XXXX XXXX XXXX  and Capitol One. Capitol One asked for Bankstatements, and a previous utility bill for XXXX of XXXX and XXXX for proof that I was not living in Georgia when these two fraudulent accounts were opened in my name. I have called numerous times and have spoken to XXXX XXXX manager ID # XXXX in the fraud department along with her co worker XXXX XXXX XXXX at Capitol One.I have phone records to show an incoming call on XX/XX/XXXX at XXXX EST I was called by XXXX for 18 min 42 sec call asking for the above documents. She provided a Fax number and email address to upload all documents. I sent everything over as request and I was informed all was received the same day. I called for several months trying to receive help to remove these fraudulent accounts and none of the agencies seemed to care or assist. On my XXXX account I submitted many online disputes. Please see below : Opened : XX/XX/XXXX and it was closed on XX/XX/XXXX which did not a provide me a fair and accurate investigation or dispute. 
Opened : XX/XX/XXXX and it was closed on XX/XX/XXXX which did not a provide me a fair accurate investigation or dispute Opened : XX/XX/XXXX closed on XX/XX/XXXX Opened : on XX/XX/XXXX and closed on XX/XX/XXXX which did not provide me a fair and accurate investigation or dispute Opened : XX/XX/XXXX and closed on XX/XX/XXXX which did not provide me a fair and accurate investigation or dispute Opened : XX/XX/XXXX and closed on XX/XX/XXXX which did not allow me a fair and accurate investigation Please see below the times of which I contacted CapOne with no help or calls back after I faxed and email the docs that were requested : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( 6 times that day ) XX/XX/XXXX XXXX ( 2 times that day ) XX/XX/XXXX XXXX ( I was transferred and spoke with 3 agents for a duration of 2.5 hours ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( 3 times that day ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Each time I was informed that my documents were being reviewed and that I would receive a call back. Till this day I not received anything back. I also attached all documents and information to XXXX XXXX and XXXX and still nothing. 

Please investigate as I need Both charge off accounts for Capitol One needs to be Removed!! 

Thank You, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 credit bureaus are reporting negative information on my credit report and have refused to provide proof of validation. I have written to the respective agencies and companies that have put these items on my credit report. I have also spend hundreds of dollars to credit repair agencies and got nothing done. These accounts are from XXXX and XXXX, so I have suffered greatly over the years from lack of transparency from these companies that had refused to obey the law and guidelines of the fair credit reporting act. I am hoping that you all can intervene and please get these credit reporting bureaus to delete these invalidated items from my credit report so that my credit health can be justifiably restored unto to me. The incorrect stuff that is being reported on my credit report are as follows : XXXX XXXX, XXXX XXXX, the XXXX, and XXXX Please asked these companies for validation which they have refused to provided me as directed by law. Thank you
Product: Debt collection

I received a letter dated from resurgent capital services dated XX/XX/2023 in regards to an alleged debt from XXXX XXXX XXXX  in the amount of $ XXXX letter stated that resurgent capital services was collecting the debt and LVNV Funding was the current owner. I sent a certified letter on XXXX XXXX requesting that the account be validated. I have not received any account validation whatsoever. Upon checking a copy of my credit report it shows that LVNV Funding is reported as a collection. This is a violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX  XXXX, MI XXXX ; MI XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Mortgage

I started calling my mortgage company Freedom Mortgage about refinancing in XX/XX/XXXX 2015 asking what I need to do, what they need from me. after I started the process with XXXX XXXX giving him the information he asked for I went weeks no calls or call backs. after leaving many voicemails I finally got a hold of him he told me my account was transferred to a different rep leaving yet another voicemail for someone else after a couple weeks later to be told someone else had the account. three different people later finally getting a hold of XXXX XXXX who told me my account was closed because they did n't have the paperwork they needed from me which I explained to her I had turned those in to the previous rep who had the account. it was XXXX 3months and payments later she tells me she has to get with a supervisor to reopen it. I called another mortgage company to ask advice they told me I could make a complaint with CFPB. telling XXXX this the next day she called back immediately telling me the account was open and at the under writers. couple weeks go by I call her to hear they need my bank statement I send it another week goes by and she tells me my wife has to write a letter stating I have access to the account and money since it is a joint checking account. then yet another week goes by I call they want an explanation written out why the address on the account is not my house address. I would not have found any of this out had I not called. I was told to get one thing after another and did so in a timely fashion. i finally get everything to them and now XXXX payments later since starting the process its XXXX I am told we are going to get to close the XXXX then they canceled one hour before our meeting because they did n't have the right paperwork rescheduling for the XXXX they canceled again still did not have correct paperwork. they rescheduled for the XXXX and once again called to reschedule for the XXXX still not ready today. I get a call from the title company XXXX XXXX at XXXX they have not received the paperwork from Freedom Mortgage so they are unable to meet us for closing tomorrow. the title company proceeds to tell me they have been ready since XXXX XXXX for me to close however they have been and are still waiting on Freedom Mortgage. I have explained to Freedom Mortgage since day one my payments are to high and I am paying 8 % interest and in XXXX of having this loan my pay off has only moved around {$4000.00}. since XXXX I have been wasting money because it all goes to interest and I explained to them I wanted this done as soon as possible. it was hard to keep up the payment because it is so high and after XXXX I have built no equity due to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification from XXXX that my credit score had dropped XXXX points! scared, nervous and. It sure what to do, I called Equifax to try and figure out what the issue was. They are reporting an account with the wrong balance, the incorrect status and all erroneous information ;
Product: Credit reporting

Upon reviewing my Transunion credit on XXXX/XXXX/2015 I found there to be 6 Derogatory items ( XXXX, XXXX XXXX, XXXX, XXXX XXXX 2 XXXX ) AND 5 Inquiries ( XXXX ) that I know nothing of. I did not apply for credit with these companies and I did not receive credit from these collections. I disputed these items with Transunion, then proceeded to contact these companies to dispute these items as well as request information on these debt through certified mail. These companies did not respond at all. It has been more than 30 days so I sent Transunion a package with copies of all my letters of dispute to these companies as well as a request to remove these items from my file. Transunion has ignored my request.
Product: Credit reporting or other personal consumer reports

On my credit report is says I have remark codes on every thing. I havent been late on any payments I havent filed bankruptcy or anything. I dont understand. It made my score go down XXXX points and Im trying to buy a home
Product: Credit card

I previously had a Lowe 's Card thru Synchrony Bank. I reported a charge as fraud and closed the account. They opened a new account and placed a balance on this account without my knowledge or permission. I have contacted Synchrony multiple times on this issue and they refuse to give an explanation as to why an account was opened or a balance placed on this account. I purchased XXXX from Lowe 's in XXXX, the XXXX were returned in XXXX for the full amount. There was a remaining balance for {$1400.00}, upon further investigation done at the store it was found that this charge was fraud. I filed a dispute on the charge and requested my Lowe 's Card be closed as I would no longer be using it in the future. Synchrony issued a check for {$1400.00} in XXXX. In XXXX I received an email for an invoice for {$1000.00} from Synchrony, although I no longer have a Lowe 's consumer card. They claim that when a dispute is created and an account closed they " pre generate '' a new account for the customers, without knowledge or permission from the consumer. They have admitted to them 'double crediting ' the account instead of doing their due diligence before issuing any sort of credit and instead want the consumer to correct their accounting error. Original dispute and request for account closure was made in XX/XX/XXXX, check was received in XX/XX/XXXX. Synchrony will not explain how they are able to open accounts without a consumers permission or why they did not conduct a full investigation on a fraudulent charge before issuing credit. They also did not provide me with any information regarding this new account that they are requesting payment for and when I requested statements in XX/XX/XXXX they sent statements from my closed account and not the account they opened without my permission. Now they are requesting that I pay the account in full or I will be charge 27 % interest on their error.
Product: Credit card

I was charged {$340.00} by XXXX XXXX XXXX XXXX XXXX XXXX when I only approved a charge of {$99.00}. I was also charged a {$20.00} fee that I did not agree to. I was not present when the company came to my condo and cleaned my ducts. My mother in law, who is not from this country, was given a bill for {$99.00} plus {$20.00} plus {$340.00} and signed it. The {$340.00} was to clean my condensor on the roof of the condo building, but that service was not authorized by me -- the card holder -- and was not needed BECAUSE THE CONDENSOR WAS BRAND NEW!!! We had just had it and a new HVAC system installed about a week prior. There was absolutely no need for this service. No cleaning was performed and I was charged {$340.00} for a service that was not provided. I asked Chase to take this charge off my bill but was denied.
Product: Credit reporting or other personal consumer reports

Equifax, I was a victim of identity theft and there's an unauthorized hard credit inquiry that needs to be removed immediately- please see below and attached. 

The unauthorized hard credit inquiry is - XXXX XXXX  - XX/XX/2023 Please see attached for my drivers license, social security card, address, and FTC complaint.
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 transactions were authorized, I was charged fees due to the lagging posting of charges and credits. This issue aligns with the CFPB finding against Navy Federal for similar practices, where transactions settled with insufficient balance 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

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. 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} If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Student loan

I opened this account with XXXX XXXX on XXXX,2004 which is now navient they said I owe XXXX which i think is not correct. I was attending XXXX XXXX University. When I initially signed the loan I was not given an explanation about the loan terms or how much I was signing off for on the loan. I am now not able to keep up on the loan and I feel as if the harrassment of this company has become overwhelming.They call my XXXX year old grandmom every day about 6-7 times a day and it is causing stress. I have called to try to make sensible payments but what they want me to pay I can not afford. They call my phone at least 5 times a day and I have already explained to them I can not afford these payments. They have closed the account on my credit but they continue to harass me daily. This is a personal loan and is pass the statue of limitation but it is still on my credit. This is causing me a lot of grief and pain I can not even get approved for a car because of this.
Product: Credit card

I have a XXXX XXXX credit card that I purchased an engagement ring and wedding ring on in the last 15 months. I paid off the former via promotional purchase with XXXX % interest, and now its showing a balance twice what it should on the account $ XXXX instead of the $ XXXX that I purchased the wedding ring for. Their website would not allow me to see my statements. They dont answer the phone EVER on attempts to call them. They also now switched the logging page for my account and I no longer have access to my account. Im afraid there is a double charge or fraud, and no one will respond to me from their company. They are completely incompetent when you do get someone on the phone and refused to give me to a manager.
Product: Debt collection

Afni {$240.00} At t original creditor Afni {$880.00} XXXX original creditor Both accounts are fraudulent and were never obtained by me XXXX XXXX XXXX {$56.00} original creditor XXXX XXXX XXXX Never owned an account through XXXX XXXX XXXX. debt is not mine.