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

To whom this may concern, I opened a Citibank Account Package with Regular Checking account online on XXXX/XXXX/XXXX with the promo code CZPE with a promotional bonus offer of {$400.00}. After spending weeks unsuccessfully trying to access my existing Citibank online account due to Citibank online account conflict issue with their credit card account system, I was finally able to submit an opening deposit of {$15000.00} on Thursday, XXXX/XXXX/XXXX. However, their system did not process the deposit and showed a deposit date of XXXX/XXXX/XXXX. I immediately called Citibank about the delay and was assured that the XXXX/XXXX/XXXX deposit date will NOT affect my eligibility claim as they do not process deposits over the weekend. I was told that since XXXX/XXXX/XXXX was on Saturday, the cut off date is the next business day which is Monday, XXXX/XXXX/XXXX. 90 days later, I 've contacted Citibank again and was told that the bonus should actually arrive on XXXX/XXXX/XXXX which is 120 days after the initial deposit ( 30 days of meeting deposit minimum and 90 days to be credited ). Now it 's been more than 120 days and I 've contacted them again, and was told that I 'm not eligible for the promotion although false information was given to me the previous times that I 've contacted them. I am very concern that a major bank will outright tell lies to consumers by providing incorrect statements. This is not acceptable for a major bank institution. I have kept records of online chat sessions with Citibank and taken notes of all calls and phone inquires. I have not been able to get anywhere with my direct interactions with Citibank due to misinformation being provided me and lack of escalation options. I need your assistance in supporting my claim on this matter and bring this to the attention of the public, so others wo n't get misled by this institution and their deceptive practices. Thank you.
Product: Vehicle loan or lease

This is now my XXXX time filing a complaint. Military personnel are eligible for SCRA benefits starting on the date they receive active-duty orders. A refund for the difference paid in interest between the 4.77 % and 3 % was not sent to me for the entire time I have been XXXX XXXX. The refund amount only reflected from the time I submit the benefit claims. Therefore, the correct refund has not been awarded. I paid the car off XX/XX/XXXX, my SCRA benefits were approved in XX/XX/XXXX with this company. I've been XXXX XXXX since XX/XX/XXXX, therefore the refund amount should reflect the interest between 4.77 % and 3 % from XX/XX/XXXX, not XX/XX/XXXX! It's a {$78.00} difference per month as mentioned previously. 

Every other company I have ever encounter has honored the policy, I do not understand why it took over a year ( after the car was paid off ) and a complaint for you all to respond. 

Also, I requested to receive a new check for the previous refund because my bank, XXXX was not able to process the check through their ATM Deposit. I requested a new check over a month ago, and have been told multiple times that I would receive a check in the mail and have not received it as of today. Any other company would have sent the new check by now, however, I keep getting the run around, once again.
Product: Checking or savings account

From XX/XX/XXXX to XX/XX/XXXX while I was away I was a victim of identity theft I tried to file my disputes and nobody will help me get my hard earned money back I filed my identity theft report I called a good lawyer XXXX XXXX but I shouldnt have to go through this if the bank sees I didnt do these transactions the bank can clearly see that theres. Check written from my account thats not me completely different hand writing these transactions are not mines the money that was took from my account was my XXXX loan to better my business while I was away taking care of my sick aunt td bank has cameras they can see this is not me for account number XXXX I been a loyal customer put all my funds in there and lost them to td bank I am going to see my lawyer today I lost everything behind td bank and all Im asking for is my money back and my account opened I hate to have to go to court and get a lawyer cause I will definitely win once they see the cameras and handwriting on these checks the person even went to the teller and withdrew big amounts my lawyer said I can sue for a few millions but I just want my funds reimbursed this wasnt no petty change this was my life money and Im looking for my funds returned expeditiously I am a loyal customer and have been I demand my funds be returned and my account open these transactions was not me I have my reports and youll can clearly see this wasnt me I hate to have to go to court but I will and it wont take long this was my XXXX business money now my business is done behind td and a scam artist no I will not allow this my money is insured and youll see that check is not mines and none of your workers will help me file my dispute so what else can I do Im suing for negligence Pain and suffering youll did not take good care of my money and now I have none I demand my account be opened and my funds reimbursed now my lawyer name is XXXX XXXX and Im ready to go to court please respond asap that was my business money and youll will not keep my money behind youll negligence I demand my money be reimbursed and my account opened up with some type of credit
Product: Credit reporting, credit repair services, or other personal consumer reports

This Past week XX/XX/XXXX, Equifax was hacked and over 145 million social security numbers have been exposed in this attack. My account was potentially affected and wanted to submit this complaint against Equifax.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, is reporting in accurate information. I submitted a complaint on XX/XX/year>. Please review the notes and my repones.
Product: Credit reporting or other personal consumer reports

ACCOUNT FROM XXXX IS ON MY ACCOUNT WITH BALANCE OF XXXX IT IS FRAUD AND NOT MINE I AM UNAWARE OF ANY ACCOUNT AS OF SUCH.
Product: Debt collection

In XXXX I got divorced. In the divorce degree the court ordered my ex wife responsible for several credit card debts. 

in XXXX Citibank closed the account for the Home Depot Credit card with a balance of {$750.00} that was one of those accounts assigned to my ex wife. as a result of providing them a copy of the documentation. In XXXX the account was charged off. and stopped appearing on my credit report. 

In XXXX of this year, a Company ( XXXX XXXX XXXX ) I had never hear of, nor initiated any business with started reporting this debt again to the credit reporting agencies. I reached out to the company to find out what was going on. They told me the purchased the debt from Citibank, and that I was not responsible to them for the debt. I provided them the same information, and let the know the account had been closed for some time. The continue to report this to the reporting agencies. I even offered to pay them what they paid for the debt, but they refused. 

This debt is not valid. I have provided proof, and I have never agreed to a business relationship with this company. They do not have my signature affirming I have agreed to have an account with their company. 

I have disputed this with the credit reporting agencies, but they seem to believe it is valid, even though there is no agreement between me and this company.
Product: Credit reporting or other personal consumer reports

Errors on my credit report include hard inquiries I didnt authorize. As per 15 USC 1681c-2, these entries should be corrected and removed.
Product: Checking or savings account

My deposits were affected by Wells Fargo Deposits system and fees
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Sears/CBNA reported to XXXX following an alleged investigation I failed to pay {$3300.00} for an account charged off over 3 years ago. On XX/XX/XXXX I received an alert from XXXX   about new information updated on my reports that requires my attention. When I checked my credit score it reduced 6 points less than 3 days from Sears update reported. Sears did not refuse the lump sum payment received to settle account prior to closing in XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report for the 2nd time this year, previously in XXXX. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report, unless you want to be held to {$1000.00} per violation. In addition, there has been a violation of my rights according to FCRA, with violations of 15 U.S.C 1681 section 602 A. Stating I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2. Stating a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am disputing inaccuracies in the personal information on my credit report. My current employer is XXXX XXXX  XXXX, yet my report reflects outdated or inaccurate employer information. My correct address is XXXX XXXX XXXX XXXX, XXXX, FL, XXXX, but my report may contain incorrect or outdated addresses. These errors misrepresent my identity and may affect my creditworthiness and any perusable purpose for which my report is used, including employment, insurance, and lending decisions. Under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ), I have the right to dispute inaccurate information and request a reasonable reinvestigation. 15 U.S.C. 1681e ( b ) requires credit reporting agencies to ensure maximum possible accuracy. If these inaccuracies persist, it constitutes willful non-compliance under 15 U.S.C. 1681n, entitling me to statutory damages of up to {$1000.00} per violation, plus attorneys fees and punitive damages. I demand the immediate correction or removal of all incorrect employer records and addresses. Please provide a written response detailing the outcome of this dispute, including any documents used for verification. If the errors remain, I expect an explanation for their continued reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am deeply hurt seeing this! I am working my way out of debt. I paid every single account I have on my list. Closed some and retained some. It was not easy because I force myself not to buy things i want. I hope you understand the dilemma I'm going through..I always track my bills, I contacted the credit bureaus, to reverse the late payments but they never fix this matter, this is an error, I was not late on XXXX XXXXXXXX
Product: Student loan

For years my private student loan debt through, what was XXXX XXXX, Navient has been nothing but a floating burden in my life. I have watched my interest accumulate through time. I have XXXX loan that started as {$17000.00} and is now double because of interest and fees. I am drowning. I have XXXX loans through Navient now. I have asked repeatedly for statements and explanations of fees from start to finish and have been told they can not do that for me My parents are cosigners on XXXX loan and my parents have even asked for these said documents. Then I went into repayment in the middle of a divorce. My ex put me into default and until the divorce was over I asked what I could do to lowere my payment because I could not afford the payments on my own. I was told to forbear the XXXX XXXX times I called to figure somethign out in the mean time. I was never told about IBR each of these times. The first time I asked them abotu it and was told that was not an option for my loans. Then I paid XXXX or XXXX forbearances, I utilized all of them, and I was then approached with being able to do IBR at 1 % interest for a year. This whole time I was asking why this was not an option for me and I could not get XXXX answer. So here I am paying out {$240.00} a month in student loan debt with no statements or beginning of time documentation. So I have not clue what I am paying. I just have a monthly total and a deadline in # of months. How is this legal? They should have the original note when my loans where sold to XXXX XXXX. Also, how can a lender not provide documents per loan on how my loans got so high? This is a total scam and my life 's nightmare! Right now my loans are double what I originally took out! I am a single mom now of XXXX. I make {$12.00} and hour and have $ XXXX in student loan debt. I will never make anything more then maybe $ XXXX. the rest of my life due to life changes. This will forever be my struggle. My Government loans have gone smoothly. I file IBR every year and they will be wrote off. But I will forever have my $ XXXX private debt!!! Someone needs to do something about these scammers!
Product: Credit reporting or other personal consumer reports

I called on XX/XX/23 to see what XXXX XXXX could do to help me with my payment. I explained I was injured and missed some work but could catch my loan up this month. I was told by the rep I talked to that he would submit a deferral and as long as I made payment by XX/XX/23 that I would not have any late payments in my history or a hit to my credit. I made the payment on XX/XX/23 as I was told and did everything asked of me. They still reported me as 30 days past due. I have called twice to get this resolved and was told that there is nothing they can do. I asked for a supervisor who could help me and the first time the rep tried to reach someone he flat out told me that they are refusing to take the call. Finally got to someone who was supposed to be a supervisor and she also told me there was nothing she could do and the department who deals with credit reports does not have phones. She said the only way to even being the process of filing a complaint was foto her to mail me a letter with instructions. I did what was asked of me based on what the initial rep told me and XXXX XXXX did not hold up their end of the deal. The rep lied to me and has probably done so to several other customers with no corrective action or consequences
Product: Checking or savings account

I had a checking and savings account with HSBC for over about 10yrs over those period of years, I was having concerns with my account transactions but because I was reluctant to change a bank, I continued with them until about a year ago, I finally had enough of my account not being accurately reflecting my actual amount deposited and withdrawal. As a result, I contacted them and closed the account. Few months after closing the checking account, I notified them and went to one of their branches in XXXX XXXX, and worked with them to close my savings account. At that time, the never informed me of owing the bank. After few months, I started receiving letters from the bank that I am owing them {$250.00}. I asked how come I was owing and what did I buy from them to be owing them. I dont even have their credit card per-se, but they were not able to explain to me how I was owing them just because I closed my account. If I was owing why did you allow me that o close my checking account and even came to your office and finalized for closing the savings and nobody said anything. I keep ignoring their bill until they sent the bill to collection which has affected my credit score. Please reach out and let them remove that from my credit score, thanks.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries associated with my credit report. I am a victim of a data breach, and under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the following account to be removed : Fraudulent Accounts : 1. Bankruptcy o Case Number : XXXX o Date Filed : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These bureaus are falsely reporting alleged debt which is a FDCPA section 807 violation " 15 USC 1692e ''. The alleged debt can not be verified and I have yet to receive a response after 30 days which is another violation under the FCRA.
Product: Credit reporting or other personal consumer reports

I am filing a complaint about an incorrect late payment entry on my credit report. Despite disputing this entry with [ Credit Bureau Name ( s ) ] and [ Creditor/Lender Name ], the issue remains unresolved.

I did not receive the required 21-day prior written notice from the creditor/lender regarding the late payment, as mandated by 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ). The incorrect entry remains despite my efforts to correct this with the credit bureaus and the creditor/lender. 
I request the CFPBs assistance in investigating this matter and ensuring the erroneous late payment is removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint last XX/XX/XXXX  regarding these accounts appearing on my report that I am not aware where it came from. XXXX XXXX XXXX ( Collection ), XXXX XXXX XXXX ( Collection ) XXXX XXXX XXXXXXXX XXXX ( Collection ), XXXX XXXX XXXX ( Collection ) and XXXX XXXX ( Collection ). I demanded an investigation but did not receive any response and the items are still reflected on my report.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX XXXX XXXX XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXX. 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( a ) ( 5 ) Section States, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. Lastly, 15 USC 1681 s-2 ( a ) ( 1 ) 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 in accurate. I'm requesting that the accounts above be deleted immediately.
Product: Payday loan, title loan, or personal loan

on  XXXX  I RECEIVED A CALL FROM  XXXX  AT  XXXX   XXXX . A MESSAGE WAS LEFT STATING THAT I NEEDED TO CALL BACK TO RESOLVE A MATTER OR ELSE MY CASE WOULD BE FORWARDED FOR PROSECUTION AND I WOULD BE ARRESTED. I RETURNED THE CALL AT  XXXX    XXXX   AND SPOKE WITH  XXXX . SHE SAID THEY WERE A PRIVATE AGENCY WORKING FOR A LAW FIRM, ANSWERED THE PHONE AT OFFICE OF INVESTIGATIONS. SHE REFUSED TO PROVIDE THE NAME OF THEIR AGENCY OR THEIR ADDRESS. SHE SAID IF I DID N'T PAY A {$700.00} DEBT TODAY THAT THEY WERE FORWARDING MY CASE FOR PROSECUTION AND I WOULD BE ARRESTED AND BASED ON COLORADO LAW I WOULD BE SERVING  3 t o 5 YEARS IN JAIL PLUS A {$5000.00} FINE. I CALLED BACK MULTIPLE TIMES TO GET A STATEMENT SENT TO ME AND TO GET THE NAME AND ADDRESS OF THEIR COMPANY. I WAS HUNG UP ON, FORWARDED TO A GENERIC OUTGOING VOICE MAIL, OR PUT ON HOLD FOR OVE R 20 MIN UTES UNTIL I HUNG UP AND CALLED BACK. WHEN I ASKED FOR THE ADDRESS I WAS TOLD " NO '' AND TO HAVE A GOOD REST OF MY LIFE. '' THEY HAVE CALLED SEVERAL MEMBERS OF MY FAMILY ALSO TELLING THEM THAT I WILL BE ARRESTED FOR BANK FRAUD IF I DO N'T PAY THE DEBT IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I'm making a complaint due to unauthorized accounts and inquiries on my report which XXXX don't.t recognized. This is against my consumer rights, and I feel taken advantage of and I'm requesting this information be taken care of immediately.
Product: Mortgage

This is the second complaint I am filing against NewRez/XXXX XXXX/Shellpoint Mortgage Company. In XX/XX/XXXX, I received notice from you that the company was in contact with me and resolving the matter ; therefore, you had closed the case. The company did NOT contact me to resolve the matter. 

I have an excellent credit rating and pay my mortgage every month without fail. In XX/XX/XXXX, XXXX XXXX transferred my mortgage to this company. From that time on, I have received inaccurate mortgage statements, and the first seven ( months ) listed different amounts owed. I was constantly being charged overages, late charges, etc ; which would then get reversed when I called and complained. The company also mailed my statement late each month. To date, the only thing that has changed is the company mailing me the statement on time. I have been forced to mail each payment as certified mail, with return receipt requested, since XXXX XXXX/Shellpoint has charged my account as late ( later agreeing that it was not late and removing the charge ). I do have names and dates of these conversations. 

I had an escrow analysis conducted in XX/XX/XXXX. NewRez/XXXX XXXX/Shellpoint  then conducted another this XX/XX/XXXX ( after stating that they would not conduct another for a full year ). My mortgage is now approximately {$130.00} more than last year ; and I am in disagreement with the company 's analysis and handling of my account. 

The current issue involves the escrow analysis and subsequent increase in my account. I wrote three ( 3 ) letters to NewRez/XXXX XXXX/Shellpoint since receipt of the new escrow payment demands. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I sent the letters to several addresses ( as they have several listed ). In my letters, I stated that I was in disagreement with the analysis conducted. I requested information on the procedure for paying my own taxes and insurance. I have received NO response from the company save for continued statements requesting money on this new amount. 

Today, XX/XX/XXXX, I spoke with XXXX XXXX from Shellpoint ( they use all three names interchangeably ). She checked my file and saw the letters, stating that they had been listed as " general correspondence ''. She stated that the company does not respond to letters that are " general correspondence '' ; they will only respond to a dispute. 

Ms. XXXX suggested I write yet another letter, putting the word " dispute '' under the heading. I will not write yet another letter to this company. They need to respond to my letters, sent with each of the payments made in the past three ( 3 ) months. 

I will be happy to provide you with the specificity needed to support my claim. I have looked at other CFPB complaints listed and find that my experience with this company is not unique. I do not understand how they can continue to operate in such an unethical manner.
Product: Checking or savings account

Chase Bank closed and absorbed my savings account. When calling to ask why it was no longer opened they said that I need to visit a branch. I am nowhere near a branch and should not have to go anywhere to access my account. If I don't go to branch they will simply keep my money. Millions of chase customers especially those that may be older would potentially never know their account was simply gone.