23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

To Consumer Financial Protection Bureau, I am submitting a complaint related to wrongful advertisement and deceptive business practices from Citi Bank in regard to their Citigold bank account. In XXXX/XXXX/2016, I submitted an application for a Citigold bank account using promo code XXXX which I had received from Citibank. The promotion was set to end on XXXX/XXXX/2016. Not knowing if I was indeed targeted for this promotion, I was not sure if my application might be approved. Hence I had confirmed via chat with a Citi Bank representative named XXXX on XXXX/XXXX/2016 that the application will be processed, and that I qualified for the bonus offer of XXXX XXXX points upon meeting the promotion requirements : Within 60 days, complete a purchase of { {$1000.00} } or more with your Citigold Debit card and perform XXXX or more bill payments for XXXX consecutive calendar months. This information should be discoverable as all conversations are recorded by Citibank. After I met the promotion requirements, I contacted via phone Citibank to confirm this and to inquire when to expect the points to be posted. During this conversation, a service request was logged by customer services to open an investigation ( reference number XXXX ). On XXXX/XXXX/2016, I received a formal letter from XXXX XXXX, Director, client research, informing me that there was no AAdvantage miles promotion offered in conjunction with the opening of my account. See attached letter from Citibank. This letter contradicts all discussions I had with Citi at the time I opened the account and at activation. I would not have opened the bank account with Citibank if it was for this promotion. I anticipated to use the points to plan for a vacation. I am requesting Citi to honor the set promotion. If I was indeed not targetted for the promotion, Citi should have rejected my application for opening the new account using the promo code. And not do it when I have opened the account, met all the necessary requirements and when it comes time to pay out the bonus. Attached Screen capture of chat with Citi representative during my conversation before opening the account.
Product: Credit card or prepaid card

I've had the accounts ( Ashley Home Store and Care Credit ) that Synchrony closed for several years. One of them was paid off last year and the other one a couple of years ago. They are both sitting at a XXXX balance. I received this letter regarding these 2 accounts and the fact that this company closed them. Every account I have had with them has always been in good standings. There was never any late payments nor over the credit limitations with these accounts. The letter I received incorrectly stated mentioning the 2 mortgages that I have on my accounts which I have had since XXXX and XXXX respectively. One of those mortgages is not even paid by me but regardless, both of them are 100 % paid on time and both of them are less than what the original amount of the loan amount meaning that they are close to being paid off. My mortgage situation has nothing to do with this company. As long as they are current and in good standings is all that is important. The other creditors on my credit file have been there since I opened these 2 accounts. There are no new creditors that have been added since I opened these accounts. And none of my open accounts are over their credit limits. Because this company closed these accounts, my credit score dropped over XXXX points.
Product: Credit reporting or other personal consumer reports

I was the one affected into this lawsuit. I tried to dispute accounts thats not mine for the past 6 months thats not mines but refused to investigate and get removed. It keeps coming back verified. My score been tanking over the years. From XXXX Now My score keeps tanking every day.
Product: Checking or savings account

XX/XX/2024 I spent {$3000.00} on a purchase at XXXX. The payment was declined by SOFI, but the transaction went pending and the funds were taken out of my account. The transaction sat pending for 6+ business days, before finally dropping off, yet the {$3000.00} that was deducted was NOT returned to my balance.

I have contacted SoFi customer support over 20 times to find out what is going on with this transaction, and they continue to claim the funds were never taken out of my account and that the transaction was void. They advised to contact the merchant, who replied " Thank you for your patience. I'll try my best to resolve this issue. From what I can see, your transaction expired before your funds fully reached us. In this case, your bank put your funds on hold, which means they will return the funds to you. It may take 1 to 10 business days, and the time depends on your bank, not on us. '' The transaction was pending for 6 days, and funds were deducted. Then it just fell off and never posted, but the funds were not returned to my balance. SoFi support agents can not see the transaction and refuse to even acknowledge that it exists. 

I am nearly positive I did not receive my {$3000.00} back.
Product: Credit reporting

I was in a contract to pay my credit card debt of {$12000.00} through " XXXX XXXX XXXX XXXX '' for 3 years. During the XXXX year, we had a flood. I lost my car, got {$14000.00} to pay off my credit cards right away. I paid XXXX XXXX in full, for my debt. They came back and said, we only paid off your {$10000.00} credit card, and you have to pay us {$300.00} a month for the next 3 years, to pay off your remaining XXXX {$600.00} credit cards. I stopped all payment, since I paid them for all this debt in full, in cash already, which is now on my credit score! I want this debt erased, because of this fraud, all of it! I already reported this to the BBB! The debt in question is from 2008!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXXBalance : {$4700.00} XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$4600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter stating that it was in reference to a telephone conversation with a representative that did not occur with me. The letter states " Consumer loan information continues to appear on line for approximately 90 days from payoff date of the loan. A loan will also appear on your monthly lending bills until it is automatically purged from their system. At this time, we do not have a tentative date as to when the next purge will occur. '' Signed Sincerely, XXXX XXXX XXXX Navy Federal Credit Union I have no idea why I received this letter. I have no loans with this organization and have not had any type of loans for over XXXX years.
Product: Vehicle loan or lease

My husband and I purchased a vehicle in XX/XX/XXXX! After the down-payment, we financed {$23000.00} dollars! We got a 72 month loan whereas after the loan was paid in full, the amount that was supposed to be paid to satisfy the loan was approximately {$43.00}, XXXX which included the finance charge! Maturity date should have been XXXX, instead, we are still paying this loan with a changed maturity date of XX/XX/XXXX and paid well over {$63000.00} dollars! The problem is 1st, Santander Consumer USA has continually changed the Maturity date of this loan, we've made over 100 payments and after questioning them about these over payments the explanation is not understood! We need immediate assistance in this matter! They've continually changed the maturity date prolonging the pay off even though we've always made more than the amount due where as all over payments went to finance charge and or intrest! It appears this loan will never end with them continually every month changing the payoff amount and date! 
Please help ... 
XXXX and XXXX XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX
Product: Credit card

TD Retail Card Services initiated a hard inquiry to my credit report on XX/XX/XXXX when a fraudster tried to apply for a retail credit card. TD Retail Card Services conducted the hard inquiry despite the fact that I had a fraud alert on my credit reports. I was alerted to this hard inquiry through credit monitoring on XX/XX/XXXX and I called TD Card Services after several failed attempts XX/XX/XXXX and XX/XX/XXXX to speak to a human being to alert them to the fraud. They confirmed which store credit card it was ( XXXX XXXX  ) and that no credit card had been issued to the fraudster.
Product: Credit card or prepaid card

XXXX XXXX for lowes charge card knows I received my social security check on the XXXX XXXX of every month .I had my due date for payment due on the XXXX or abt.without knowledge and sending me any bill by paper billing in which I get for all bills, suddenly stop and they change my due date to the XXXX!! .I always paid {$100.00} on my bill every month even tho the amount due is {$75.00} month.they charge me for late fee.and want {$23.00} for late fees. I REFUSE TO PAY THIS .they will not forward nor waive the late fees and they claim I have to call customer service to change my date back to the middle of the month..i ask the first call I made to change my due date BACK and she refuse to .ignore my request and went on the torrade of the late payments and the other day a customer service said I miss several months and my bank denied this and every month my payments been made and never return!! they lied! i.
Product: Credit card

In late XX/XX/XXXX I was informed by First Data ( FD ) that our credit card terminal was going out of support and that I had to upgrade to a newer model, if I wanted to maintain support ( which is important ). We did that and received the new machine. The Salesperson at First Data suggested a lease, versus buy option, so that if this new machine became end of life, we could easily migrate to the next edition. We took that advice and leased the terminal. 

A few weeks later I received a letter saying we either needed to pay FD an additional {$4.00} per month extra ( for " equipment protection '' ), or have FD added as an additional insured on our policy, and submit proof of that to them. We did the later and sent that information ( via the FAX they listed ) to them on or about XX/XX/XXXX ( I have a FAX receipt confirmation ). In early XX/XX/XXXX I got a second letter demanding I agree to the {$4.00} charge or send them the insurance confirmation. I did that again, but once again got another letter a couple of weeks later. I called their contact center, and they told me that their FAX machine was unreliable and that I should submit the form via email, which I did. On XX/XX/XXXX, I got yet another letter asking for the same information. I called the contact center again and they told me to just ignore the letters. I told them I want them to stop sending them, because they are creating confusion with our staff. They claim there is nothing they can do. I asked to speak with a management person, but they refused to connect me. Today I resubmitted, again via email, for a 4th time, the same information and demanded that they stop the letters. 

Our merchant Account XXXX is XXXX, XXXX XXXX in XXXX
Product: Checking or savings account

Dear CFPB, I am writing to formally file a complaint regarding overdraft fees assessed to my checking account by Regions Bank. I believe these fees were improperly charged, as I had sufficient funds at the time of my transactions. 

Attached is a screenshot of my account summary, which clearly shows that at no point during the transactions was my account balance negative. Despite this, I was still charged overdraft fees, which I believe to be unfair and unjustified. 

Specifically : XXXX. At the time the transactions XXXX were processed, my account showed a positive balance, yet I was still assessed an overdraft fee of {$36.00}. 
XXXX. As of the date shown in the statement, my account remained in the positive, and I was again charged additional overdraft fees. 

I am requesting a thorough review of this matter and a full refund of the overdraft fees, as they were not warranted. Additionally, I would like clarification on how these fees were calculated and why they were applied when my account balance did not go negative. 

Thank you for your assistance in resolving this issue. I look forward to your prompt response.
Product: Debt collection

PROF CREDIT ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, OR XXXX XXXX XXXXXXXXXXXX ATTENTION TO DISPUTE DEPARTMENT : XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PROF CREDIT or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Vehicle loan or lease

Since XX/XX/XXXX, I have called Kia Finance every few days at different times to ask questions about my end of lease on XX/XX/XXXX. In addition, their automated system states I owe a payment for XX/XX/XXXX, however, I paid my last payment when I entered into the lease agreement. I need to talk to an agent to address these issues with my lease. 

Every time I call the number on the letter, Kia states that they have a high volume of calls and their phone system hangs up on me. This is ridiculous! How can a company be allowed to operate without proper staffing in place. It's understandable to have some issues but this is the same message for over a month. They should be fined at this point if they can not answer calls. How it is even legal for them not to be able to take a call from customers on their accounts? I call at different times of the day, every day of the week and can never get through, can not leave a message, and can not stay on hold as the phone system hangs up on me at XXXX XXXX  when they first open. How can they have a call volume right as they open at XXXX XXXX  that they can not handle and hang up on customers? How can I resolve account issues when I can not get through to anyone at Kia?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute the reporting of closed accounts on my credit report. The accounts in question are attached to the complaint and have been negatively impacting my credit history due to several reported late payments. I believe this reporting is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). 

I am aware that under the FCRA, credit bureaus are required to report only accurate and verifiable information. In light of this, I have conducted a thorough review of my credit history and have gathered supporting evidence that demonstrates the inaccuracies in the reporting of this account. 

Firstly, I would like to highlight that the accounts in question have been closed since XXXX. As a result, no further activity has occurred since that time, making the reporting of late payments after the closure date highly questionable. 

Additionally, I have diligently maintained timely payments on all my other accounts, clearly demonstrating my responsible financial behavior. This account 's inaccurate reporting is unjustly damaging my creditworthiness, which could have serious implications for my ability to obtain credit in the future. 

I kindly request that you conduct a thorough investigation into the reporting of this account and promptly rectify the inaccuracies. I insist that the account be updated to reflect its closed status and eliminate any references to late payments that occurred after the closure date. 

Furthermore, I would appreciate receiving a written confirmation of the investigation results and any necessary corrections made to my credit report. It is my right under the FCRA to be informed of any actions taken within 30 days of your receipt of this dispute letter.
Product: Credit card or prepaid card

On XX/XX/2018 a charge appeared on my credit card from XXXX XXXX for purchase of 2 basketball tickets. I did not make this purchase nor did my husband. I contacted Chase to report the incident. They were helpful and removed the charges pending investigation. There was also an attempt at another unauthorized charge that Chase did deny. I checked my email and found the 2 basketball tickets in my inbox. I tried to contact XXXX XXXX  but was held on the line for too long. I deleted the tickets from my inbox without downloading them. 

In mid XXXX I was contacted by the fraud department at Chase for a conference call with XXXX XXXX. XXXX XXXX claimed the purchase was legitimate because the purchaser had used my correct address, phone number and email address and the tickets were sent to me. According to XXXX  XXXX the tickets were never used. I have no proof that I did not make this purchase but XXXX XXXX has no proof that I did. As I deleted the tickets I have no information on who I supposedly purchased them from. XXXX XXXX said they would contact me via email within 48 hours with additional information. I did not hear back from them.

Chase fraud department has decided that the charge was legitimate and is demanding payment and charging me late fees and interest. I have closed my Chase account that I have had for 15 years. This credit card I have used exclusively for internet shopping and keep in my home. I have had previous unauthorized purchases made but had no problem resolving the issue. 

I contacted XXXX XXXX in mid XXXX to find out if they had any additional information. I was told that the matter is still under investigation. 

I can not think of how anyone would benefit from this fraud other than the tickets may have been counterfeit or the motive was to access my other financial information. 

Do I have any recourse? am I liable for the {$160.00} charge for the tickets? am I liable for penalty and interest?
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have never heard about this company called Oliphant USA LLC. They have reported that I owe {$23000.00}. 
It is not clear to me where they received this information and who they are representing. I sent for information regarding this claim and documents sent stated that whatever they are claiming it's past XXXX years or more. I don't have any recollection of this situation that Oliphant USA LLC is now projecting.