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

I applied for a special promotion rate for a Citibank savings account that offered a 5 % interest rate for 6 months but I have not received the special rate after multiple attempts at resolution with the bank. The history of resolution attempts is as follows : XX/XX/XXXX Received letter from the OCC that the issue was not under their jurisdiction and referred me to CFBP. 

XX/XX/XXXX received case number from OCC email. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed online complaint with the OCC. It will take 2 business days to receive a case number. 

XX/XX/XXXX I called customer service at XXXX. Rep filed a complaint for me. 

XX/XX/XXXX XXXX XXXX left a voicemail. I called her back and left a voicemail. No further outreach by Citibank. 

XX/XX/XXXX I did not receive any further contacts from the bank. I sent XXXX, XXXX XXXX, an email to complain and gave her 1 week to resolve before a formal complaint is filed and move account to another bank. 

XX/XX/XXXX XXXX, XXXX, called to check on how everything was going. I gave her the history of the issue I am having with the savings account promotion and she said she will escalate to her manager who will be back on Monday. 

XX/XX/XXXX : I visited the branch as I did not see new rates yet and XXXX, XXXX XXXX, said it may take 30 calendar days instead due to monthly statement cycle. She has escalated to manager. 

XX/XX/XXXX : I visited the branch as I did not see the new rates and XXXX, XXXX XXXX, stated that it should take 10 calendar days to see new rates. 

XX/XX/XXXX : I Deposited {$25000.00} on top of my existing amount into my savings account. XXXX, XXXX XXXX, said that I needed to deposit {$25000.00} within 10 days to get a special rate
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry date XX/XX/21 - XXXX XXXX - DID NOT AUTHORIZE Inquiry Date XX/XX/21- XXXX - DID NOT AUTHORIZE Inquiry Date XX/XX/21 - XXXXT XXXXXXXX XXXX XXXX DID NOT AUTHORIZE Inquiry Date XX/XX/21 - XXXX Of XXXX - DID NOT AUTHORIZE Inquiry Date XXXX XXXX  XXXX - DID NOT AUTHORIZE
Product: Checking or savings account

Account kept charging me over drafts before they advised they would not.
Product: Money transfer, virtual currency, or money service

Cash App let someone create a fraudulent account with my information despite my SSN and credit report being locked ; then after I worked to close the account I still got a fraudulent XXXX form for income I never received.
Product: Debt collection

I was notified today via XXXX that a new collection had been added to my XXXX report from Jefferson Capital. I have been disputing this account with the all three bureaus since XXXX of XXXX with the original creditor on my report XXXX I have sent a reinvestigation letter and method of verification letter to all three bureaus to verify this account only for this collection company to be added in XXXX. I had no knowledge of the debt being sold nor any communication from Jefferson Capital about the debt being sold. I do not recognize how and why this account is now reporting on my credit.
Product: Payday loan, title loan, or personal loan

Became XXXX  and loan payment went unpaid. They forgave that negative account and opened a new account. Hasnt reported to XXXX or XXXX.
Product: Debt collection

I signed a land contract for deed. The deal was if defaulted, all prior funds paid, repairs made, and water, taxes, would be lost and converted to a month to month lease. This always avoids foreclosure, Did n't know it was a mortgage. After a short time. XXXX XXXX XXXX got loan or debt servicing many times. and this new company, XXXX XXXX, XXXX XXXX XXXX, XXXX, Ca XXXX. I never agreed to, or ever paid them a cent. I had already surrendered the property to the previous servicer, State bridge LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Co XXXX, to avoid any further obligation, letter enclosed. I left Property in XXXX 2016, and now this servicer, after moving, is coming in as a new person to collect a surrounded debt and has placed this on my credit report for owed mortgage balance. The original holding company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX
Product: Credit reporting or other personal consumer reports

I PREVIOUSLY FILED CFPB COMPLAINT XXXX WHICH WAS COMPLETELY IGNORNED AS NOTHING I DISAGREE WITH THE RESULTS THIS IS A VERY STRESSFUL TIME FOR ME AND IS CAUSING GREAT STRESS. PURSUANT TO FCRA 611 I REQUEST A REINVESTIGATION WITH STRICT PROOF METHOD OF VERIFICATION SEE ATTACHMENT THE CONTESTED ITEMS/ACCOUNTS CURRENTLY REPORTING XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXXXXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

ToWhomItMayConcern, I am writing to formally dispute the inaccuracies on my registration in your system, specifically regarding incorrect names and addresses. I have previously requested multiple times for this incorrect information to be removed, yet my requests have not been adequately addressed. 
As per the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws, I have the right to accurate and up-to-date information on my records. The continued presence of incorrect names and addresses on my registration is a violation of my rights under these laws. 
Below is a list of the incorrect names and addresses currently listed on my registration that must be removed immediately : ****INCORRECT NAMES*** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ****INCORRECT ADDRESSES **** XXXXXXXX XXXX XXXX XXXX XXXX AZ NEVER LIVED HERE IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NEVER LIVED IN THIS STATE IDENTITY THEFT I am requesting, once again, that you immediately remove any names and addresses that are not mine from your records. Please provide a written confirmation that these changes have been made. 
MY ONLY PLACE OF RESIDENCE SINCE XXXX  HAS BEEN XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX If this issue is not resolved promptly, I will have no choice but to escalate this matter through legal action and report it to the appropriate regulatory authorities. 
Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX  STILL HAS INCORRECT CURRENT ADDRESS THE XXXX XXXXXXXX ADDRESS I NEVER BEEN ASSOCIATED WITH THAT ALL MY FRAUDULENT ACCOUNTS WERE LINKED TO I CONTACT XXXX I CANT EVEN PASS THE IDENTITY VERIFICATION QUESTIONS BECAUSE I KNOW NOTHING OF THE FRAUD ACCOUNTS I SUBMITTED ID VERIFICATION SS CARD BIRTH CERTIFICATE THE ACCOUNTS THAT ARE FRAUDULENT STILL ON MY REPORT AND ITS AFFECTING ME FROM LOOKING FOR BEW PLACE TO LIVE SINCE IM TRYING TO DOWNSIZE SINCE MY KIDS MOVES OUT IM GETTING DENIED DUE TO THESE ACCOUNTS I HAVE NO KNOWLEDGE OF
Product: Credit reporting or other personal consumer reports

Recently I've been trying to login into experian and the company can not properly indentify my identity and ask me to call them, but when i call i cant get an operator to solve this problem and get my access to my credit report.
Product: Credit card

I checked my credit report and there was two open charge cards that was fraudulent open.
Product: Credit card or prepaid card

1-I used Citi simplicity Card once to pay the amount of {$790.00} to XXXX XXXX XXXX on XXXX XXXX. I requested the Refund from XXXX for the same amount on the same date. 
2-XXXX sent the refund amount of {$790.00} back on the card on XXXX XXXX. Citi Credit Card disputed with the XXXX on the same date XXXX XXXX and according to XXXX statement the amount of {$790.00} was sent back on the card two times on the same date, one as a Refund and other as a Dispute. The refund reference number from XXXX is : XXXX. 
3- I have been billed by XXXX for the amount of {$1300.00} I do not owe : I contacted the Credit Card Company to resolve the problem Citi Card is stating that the refund was sent back by XXXX only once and it was reversed. On the other hand, XXXX is saying that the initial payment made on XXXX XXXX was not received at all by XXXX because a refund and a dispute was done on the same date and XXXX statement reflects two-time payment on the XXXX Credit Card for the amount of {$790.00} for each transaction. ( The total amount is : {$1500.00} .XXXX gave me a discount of {$200.00} and I am billed for the amount of {$1300.00} ) I will be faxing the billing statements from XXXX homeowners insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXXs keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The XXXX XXXX said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Consumer Loan

this company has checked my credit without my authorization i never gave them authorization but received a letter telling me that there sorry but application has been declined i never applied for anything with them
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Have reach out multiple times to TransUnion XXXX and XXXX and the companies of the misuse information on my credit report under consumer law 15usc 1681B that I'm conclusive from the the experience of this and not inform of this information and should be removed from my credit file
Product: Student loan

I graduated in XX/XX/XXXX and began repayment of my loans. After some challenges, I was no longer able to make the monthly payment. I often communicated my struggles with Navient and kept them up to date on my status. I was informed I was not eligible for a forbearance and even with a lowered monthly plan I could not afford the rate they quoted. In XX/XX/XXXX I inquired with Navient if they reached out to my co-signer to determine if she was able to make the payment. At that time Navient informed me my co-signer was released in XX/XX/XXXX. I why was she released I never applied for a co-signer release and the Navient representative XXXX XXXX told me " We don't have to discuss that with you. '' On XX/XX/XXXX I reviewed the Navient co-signer release application and followed up with Mr. XXXX via email asking him again, why my co-signer was released without my knowledge as the application clearly states " Only you, the borrower, can apply for cosigner release. '' Additionally attached a copy of the co-signer release application from the Navient website and I informed Mr. XXXX " I have NOT EVER completed the attached application, I did not provide any of the required supporting documentation, nor did I meet the specific requirement of " My request will only be considered if I have demonstrated a satisfactory history of making 12 consecutive, scheduled principal and interest payments immediately preceding my cosigner release application submission and in accordance with the requirements of my loan ( s ) '' that is listed on the application. '' Additionally, I asked Mr. XXXX, where can I find a copy of this completed co-signer release application form that was submitted to have my co-signer released? Why was it authorized without me, the borrower 's request, my knowledge of it occurring, and without me meeting all the requirements of eligibility for the co-signer to be released? 

Mr. XXXX never provided me with a response to my questions. I followed up with him again on XX/XX/XXXX and he still refuses to acknowledge or respond to any questions regarding the release of my co-singer without me being the borrowers request or me meeting the eligibility for my co-signer to be released. There are no documents uploaded on my Navient account regarding the release of my co-signer and I was never sent any information in the mail regarding the release of my co-signer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2017 I turned in a lease early because I had a baby and was unable to use the two seater. When I received the bill and it was twice what it should have been, I asked for documentation and clarification that never came. Dealing with a newborn as a single mom, I let it go. 
Now over 5 years later, I have now disputed this debt nearly XXXX times over XXXX years. I have asked for proof and documentation over and over again, but all XXXX XXXX will send me is a negotiation for settlement. They clearly have my correct address and have refused, nearly XXXX times, to provide any sort of documentation. Yet will continue to falsely report and try to negotiate a settlement. 
The amount needs to be proven- its over double what it should be. The dates are almost all incorrect, including the last payment, the payments that were made, the open date and the close date. The payment history is also inaccurate. 
When they can provide how they got to the number they claim I owe, and can correctly report that information, I will stop asking them to do the right thing.
Product: Debt collection

The Car was at auto shop getting an estimate to get repaired. The mechanic talked to XXXX at Exter finance company. He ( mechanic, ) stated the transmission and motor car was damaged which caused the repairs to be expensive therefore XXXX at Exter said that they will write it off per say the loan company.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccuracies in Credit Report for XXXX XXXX  Account ( # XXXX ) Dear CFPB Representatives, I am writing to formally file a complaint regarding inaccuracies in my credit report for the following account : Creditor Name : XXXX XXXX  Account Number : XXXX Upon reviewing my credit report, I noticed multiple inaccuracies related to late payments reported for this account. These inaccuracies not only fail to reflect my payment history accurately but have also negatively impacted my credit score. Details of the Complaint 1. The late payments reported on this account do not match my personal records and appear to be inconsistent. 2. I have previously attempted to resolve this matter directly with XXXX XXXX, but no corrections have been made to date. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information in my credit report is accurate and verifiable. If XXXX XXXX  is unable to provide clear, documented evidence to validate the reported late payments, I am requesting that this account be entirely removed from my credit report. Requested Actions 1. I respectfully ask the CFPB to investigate this matter promptly. 2. I request that XXXX XXXX  be required to verify and correct any inaccurate information. 3. If they can not provide sufficient documentation supporting the late payments, I demand the complete removal of this account from my credit report. I have attached the following documents to support my complaint : Copies of my credit reports with the disputed account highlighted. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a public record investigation request to LexisNexis XX/XX/2018 & XX/XX/2018. I received a responses more than 30 days after stating that the public record item was verified. In my correspondence, I request the Method of Verification which LexisNexis did not give in clear violation of FCRA. Additionally, they exceeded 30-day response requirements as per the FCRA. 

PUBLIC FILINGS US BKPT CT IL XXXX/XXXX not mine US BKPT CT IL XXXX/XXXX not mine US BKPT CT IL XXXX/XXXX not mine
Product: Credit reporting or other personal consumer reports

Contacted TransUnion regarding companies accessing my credit report I did not authorize. As with each company, I have a statement stating no company can receive a copy of my credit report unless I sign authorization and/or they all me directly to provide authorization because I have been a victim of identity theft from company breaches. The following companies did not contact me and I did not apply to these companies. Transunion, was asked to remove these unauthorized inquiries in a letter XX/XX/year> and TransUnion stated I need to contact the companies who have no signed documentation. 
Under the FCRA and the Fair and Accurate Transactions Act, there are provisions related to record accuracy and identity theft which provides provisions related to record accuracy and states identity theft is not part of a factual record. Under this legal provision, I am requesting the inquiries below be removed immediately as they were not authorized by me and it furthers penalize the victim ( myself ) as this information lowers my credit score resulting in higher rates in loans and denial of credit cards.

Inquiry from XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/year>. 
I dont recognize this lender and never provided written authorization for them to perform a hard inquiry on my credit report. Was contacted and stated application was done online. 
Inquiry from XXXX XXXX Banking on XX/XX/year>. 
I dont recognize this lender and never provided written authorization for them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/year>. 
I dont recognize this lender and never provided written authorization for them to perform a hard inquiry on my credit report. 
Inquiry from XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/year>. 
I dont recognize this lender and never provided written authorization for them to perform a hard inquiry on my credit report. Was contacted and stated application was done online. 

Asked Transunion to put these inquiries as soft inquires as they are lowering my credit score.
Product: Checking or savings account

I made a transfer out of my Bank of America checking account, to another account I have with another bank, using Bank of America 's next day processing transfer service. The deposit was set to go into my other account on Tuesday XX/XX/XXXX so I scheduled payments to come out of that account the same day. By XXXX on Tuesday XX/XX/XXXX, the deposit had not gone into my other bank account. I called the Bank of America customer service line and the representative told me the funds will post to that account by End of Business day. That night, and the next morning, I checked my other bank account only to find the deposit was still not in there and I have now been charged {$180.00} in overdraft fees as well as returned item fees and had checks bounce. I called again and spoke with a Bank of America representative, and manager, who rudely informed me that the transaction failed to send. This transfer account that I have had set up for years, and have never had a problem with it, all of the sudden failed to send. When I inquired why it failed, a clear answer was not given other than some information must not be correct. As stated, I double checked all information and it was all correct as it has been the last several years. When I inquired further as to what information could be incorrect, the manager informed me that there was nothing else she could tell me and that this was my error. I told her this is NOT my error, that the bank failed to send my transfer without any notification or reasoning and now I am overdrawn on my other account. When I requested that they refund me for this error, she stated that I would have to take legal action if I wanted them to compensate me for the fees which were caused in error on their behalf!! I am livid and I want responsibility to be taken for this error!
Product: Payday loan, title loan, or personal loan

Almost a year ago, I wanted to pay off my loan so I went to Avant website logged in to my account and got the amount the payoff was and I paid it. Now, I am receiving late payment emails from a collection agency that Avant hired. I already replied to a bunch of those emails letting them know that I already paid off the debt but I am still receiving emails. I WANT THIS SITUATION TO STOP BEFORE THEY START REPORTING IT ON MY CREDIT.
Product: Credit card or prepaid card

On XX/XX/2019, I booked a flight through the merchant - XXXX XXXX using my Chase credit card. I had to subsequently cancel this flight within a few hours. For this, I received a refund of only 50 % of the ticket amount i.e. {$1500.00}. As per the cancellation policy on XXXX XXXX, I should have received a full discount since the ticket was cancelled within 24 hours of booking. I therefore disputed the charge of {$1500.00} on my Chase card. 
After disputing the charge, the merchant - XXXX XXXX contacted me saying they are willing to refund the money to me on the condition that I remove the dispute on this charge ( emails attached for reference ). After consulting with Chase customer service, I undisputed the charge. However, after this, XXXX XXXX stopped responding to my emails and did not refund any money. I then reopened this dispute with Chase. Chase did not contact the merchant at all and sent me a letter saying the transaction is valid despite proof in the form of email where XXXX XXXX agreed to refund the money and did not. Upon contacting them, Chase dispute department was rude and unhelpful and stone-walled me on trying to get further information on why my case was not even pursued with XXXX XXXX.