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

CITIBANK allowed 9 transactions to occur through my CITI BANK account. When I contacted CITI BANK about this issues they did not issue me a provisional credit and denied my claim wihtout ANY investigation 48 hours later. They said it was because i only reported 2 of the 9 fraudulent transactions. I was waiting to report the other transactions bc I was combing through my bank statements trying to make sure I had everything in order. I submitted the first two transactions first because they were for large amounts and i was stressed and wanted to get the ball rolling. 

some of the transactions that i reported and were fraudulaent are XXXX {$XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are XXXX inaccurate and historic accounts listed from the same creditor that is past the statute of limitations for collecting debts in the state of Florida. The last payment made on this account was on XX/XX/2018, and according to Florida state law, the statute of limitations for collecting debts is 5 years this debt is time barred and no longer collectible. Both accounts presence on my credit report is inaccurate and unfairly impacts my credit history. Evidence to support my claim is attached. The account numbers are XXXX and XXXX. Both accounts are listed under XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Dear XXXX, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within XXXX  ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or XXXX verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX ( XXXX  XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration and disappointment regarding the unresolved inaccurate items on my account. Despite multiple attempts to rectify this issue, the fraudulent charges remain, causing ongoing distress and financial inconvenience. This lack of resolution is unacceptable and has severely impacted my financial stability and trust in your institution. It is critical that this issue be escalated immediately within your organization. The persistent presence of erroneous transactions on my account is not only a misrepresentation of my financial history but also a potential security risk. I demand immediate and decisive action to resolve this matter. I require the following actions to be taken such as Immediate Removal of these accounts. If this issue won't be solve, l would have no choice but to escalate the matter further, including seeking assistance from regulatory authorities to ensure compliance and protection of my consumer rights. The following items should be remove as soon as possible : XXXX XXXX  Balance Owed : {$2300.00} ; XXXX  XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX  XXXX Balance Owed : {$2400.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My son and I are in danger of losing my house of 30 years because of the questionable and possibly illegal actions of Gregory Funding. I am XXXX and suffer from XXXX and on a fixed income after working for Social Security in XXXX XXXX for 40 years. My son XXXX is my full time caretaker and he is helping me to write this letter. My husband handled all of our finances and he had the mortgage payment set on automatic debit with XXXX  and payments were in good standing. Shortly after he passed away the mortgage was transferred to Gregory Funding. My son and I assumed that the automatic payments would continue to come out of our account so we did not take any action as we were busy with funeral arrangements and getting me settled without my husband. Once we realized that the payments were not being taken out my son XXXX who is my authorized representative and has Power of Attorney contacted XXXX to try and reinstate the missed payments. This is where the problems and shady activities begin. 

XXXX was given a reinstatement amount in XXXX of {$5900.00} to catch up the missed payments. He called in by phone and gave bank account information for the ACH debit and was told it cleared and they gave him a confirmation number. When he checked his bank account the next day he saw that the funds had not been withdrawn and when he called in to XXXX on Monday their agents said sorry it did not go through, and that they had been trying to call him. This is where the concern starts, because there was no record of missed calls on his phone or my phone and this is a total lie. Then their agents said the reinstatement figure had increased {$1300.00} over that weekend. We are requesting a full and complete ledger and accounting of all payments due, all fees, all interest as well as a specific description of the type of fee that would increase the payment {$1300.00} over a weekend. From an extra two days of interest??? My son did not have the extra {$1300.00} so their agents told him that they would order a new reinstatement amount because the old one had expired and that it would take at least a week to 10 days to get a new reinstatement amount, and since the reinstatement figure is only good for two weeks we would only have 3-4 business days to get the payment together. We were unable to catch up because Gregory Funding dragged their feet with the reinstatement figures and played a shell game with our family home. In the last three months the reinstatement amount has doubled. There is no logical explanation for this and we want some answers. We tried speaking with the lawyer for XXXX and he gives us the runaround also. XXXX recently tried calling in to their main office and asked if we could be considered for a loan modification. The agents said no, but we could try to apply for the Maryland XXXX program but that it takes so long we would probably lose our home before we get help from them.
Product: Consumer Loan

On XXXX XXXX, 2016, I applied to Bank of America ( " BoA '' ) for preapproval for a new car which I planned to buy the next day. I found that Bank of America had exceptionally good rates, 1.99 % for 60 months and 2.49 % for 72 months. I was preapproved for more than enough to cover the amount I planned to borrow. When I got to the dealership ( XXXX XXXX in XXXX XXXX, Ohio ), I told them I was preapproved and that all they had to do was to communicate with Bank of America. I did not have my preapproval letter with me because I was told by BoA that I did not need it, that the way the process worked was that I needed to have the dealership communicate with BoA. I was assured that the preapproval that I had obtained would expedite the documentation process at the dealership. When I communicated this information to the dealership, they seemed wholly unaware of the program or offer through which I had applied, and said that they would look into it. After a long while -- the dealership was 2.5 hours from my home and so I was in a hurry -- the finance manager came back and said that his BoA contact could not locate my offer but that they could offer me a rate that was only slightly higher. I was extremely frustrated at that point, and asked him to have his contact look harder. They failed. The price on the car was a good one, and I needed it that day, so I did the deal and figured I would take it up with BoA later. 

I did so, by calling several days later the customer service number on one of the documents I had been given as part of the loan. I was told by the woman with whom I spoke that because I had ( unbeknownst to me ) dealt with two different BoA channels -- the internet channel where I 'd found the very low rate, and the dealer channel -- I was out of luck. Her implication is that I should have known that I was dealing with two different channels -- that I was the fool for not understanding that Bank of America was not really Bank of America, and that one division or department would not honor a deal the other had made. She also told me that my only hope for relief was to return to the dealership ( XXXX miles away ) and ( somehow ) persuade them to tear up the deal that they had done with me and start anew with the " internet channel '' deal -- an absurd waste of time, and downright offensive that BoA expected me to travel, cajole, and hope as a means to remedy their deception of me, the consumer. This is the textbook example of a bait and switch. I have been a XXXX for twenty-one years, and am familiar enough with finance law to know that I have a right to have this situation fixed by BoA, without involving the dealership. 

My online loan application number was XXXX. I tried to retrieve it online but all I got was a message that I was no longer able to access it because it had expired. 

Also, I do n't seem to have received a copy of the promissory note or the required loan disclosures. I recall signing at least the note, but it appears I was not provided copies then or later.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding a potential FERPA violation involving the unauthorized disclosure and/or improper use of XXXX XXXX XXXX XXXX 

In XXXXXXXX XXXX XXXX  I became aware that XXXX XXXX XXXX records may have been accessed or shared without my consent. This issue has been publicly reported in the media, with concerns that third partiesincluding unauthorized individuals or entitiesaccess student loan data. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate whether my student loan servicer ( XXXX  ) or the U.S. Department of Education ( DOE ) improperly disclosed or allowed access to XXXX XXXX XXXX payment history, or other financial data in violation of the Family Educational Rights and Privacy Act ( FERPA ).

XXXX XXXX XXXX XXXX may have been accessed or shared improperly.

I am concerned that third parties have been given access to my information without my knowledge or consent. 


I have noticed unknown credit inquiries and errors in student loan reporting ). 
I am requesting a review of whether my loan servicer XXXX XXXX  ) or DOE improperly disclosed XXXX XXXX XXXX XXXX, which may have resulted in negative financial consequences. 

Attempts to Obtain More Information I contacted the Department of Education on XX/XX/XXXX to request records regarding this matter, but I have not received a satisfactory response. 
I requested any reports, documents, or records showing when and how my loan information was accessed, but the company has not provided clear answers. 
If this data was accessed improperly, I want it removed from my credit report and for the CFPB to investigate this FERPA violation. 

Resolution Requested : I request that CFPB investigate whether XXXX XXXX XXXX XXXX was improperly accessed or shared without my consent. 
I request that any unauthorized credit inquiries or reporting errors be corrected and removed from my credit report. 

I request that my loan servicer XXXX XXXX ) and the Department of Education provide a full explanation of how my student loan records have been handled, including whether they were disclosed to third parties. 

If a FERPA violation occurred, I request that CFPB take appropriate action to ensure student borrowers data privacy is protected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I was XXXX  days late in making a payment on my loan therefore I owe {$520.00} I put in a one time payment for XXXX on upgrades website on XX/XX/2022 on XX/XX/2022 I received an email from upgrade telling me that they disabled my payment and the only way I can rectify this issue is by signing up for auto pay for the {$520.00} I do not have {$520.00} at this time because I am on long-term XXXX  waiting to have XXXX. Then on XX/XX/2022 I receive another email from upgrade saying that immediate action is required and i am XXXX  days late and I have to pay the {$520.00} immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have stated that these account are not my account but they are still listed on my credit report
Product: Checking or savings account

In XXXX of 2021 chime bank sent me a email stating my account was closing on that date. I wasnt negative, no fraudulent activity. They gave me no reasoning and yet to send the funds in my account! My XXXX XXXX still pulled out of my chime as scheduled and they then chime pulled it back from XXXX XXXX stating due to the account closed. Chime has XXXX of my dollars sitting in a closed account and fail provide me with a valid reason!
Product: Credit reporting or other personal consumer reports

FactorTrust XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Inaccurate Addresses, Update of Correct Information, and Security Freeze Dear FactorTrust, I hope this letter finds you well. I am writing to dispute certain addresses listed on my credit report that do not belong to me. I kindly request that you remove any incorrect addresses and update my credit profile with my actual correct address. 
My correct information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Please find attached copies of my driver 's license and a recent utility bill as proof of my accurate address. 
In addition to the removal of inaccurate addresses, I request that you place a security freeze on my credit report to protect my personal information from unauthorized access. 
Thank you for your prompt attention to this matter. Please confirm in writing that the necessary changes have been made and that the security freeze has been placed. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax credit reporting agencies did not do a proper investigation during my dispute. They are improperly reporting my XXXX student loan account as delinquent when in fact the account has been in deferment under the C.A.R.E.S. ACT and should show paid as agreed with no late payments. Also, there are four collections accounts that are inaccurate and need to be deleted. The attached dispute letter will outline all accounts that should be deleted from my credit report immediately.
Product: Student loan

I attended a for-profit school named XXXX XXXX XXXX part of the XXXX XXXX XXXX XXXX 
Recently the CFPB won a lawsuit against Navient/Sallie Mae regarding the predatory private loans that the students attending my college were forced into signing. I was one of those members and had to endure Sallie Mae/Navient hounding me for 9 years. In XXXX, a mere year and a half before the settlement that CFPB won, I finally was able to convince XXXX XXXX to scoop up my private loan away from Navient and drastically reduce my interest rate. I paid Navient over {$10000.00} in interest and barely touched the principal amount because of how high it was. XXXX XXXX took on my loan in late XXXX and now everyone that continued to endure Navient until XXXX had their private loans taken care of and relieved. I am furious that it took 9 years for me to get away from this company, and now because I was not psychic and could not know that Navient would lose this lawsuit and compensate back those that they bullied, Im still paying off that predatory loan at a slightly nicer interest ratebut it still exists nonetheless. It absolutely needs to be amended that those that broke away from Sallie Mae should still have some kind of compensation for the amount that they paid or for what we had to endure. Thank you for your time. Feel free to contact me regarding the matter at your earliest convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a new account with XXXX in XX/XX/XXXX online. I received the phones via mail and attempted to activate but was unable to do so. I spent more than 20 hours online over the course of a week trying to activate the new phone but it would not set up correctly. I was then told to go to a XXXX store to set up the phone but they too were unable to properly set up the phone and was told I had to contact them online since I received the phone via mail to have it replaced. I contacted XXXX online and was told there would be a {$70.00} restocking fee to replace even though it was not any fault of my own. By this point, I had been without cell phone or service for 2 weeks and did not want to pursue this account anymore. The agreement I had with XXXX is I could cancel within 30 days with no charge which I decided to do. In XX/XX/XXXX, I received a collection notice from Frontline Asset Strategies, the company who XXXX sold my " past due '' account to. I contacted XXXX and explained the situation to which they looked into and stated I did not owe any money. In XX/XX/XXXX I received another collection notice and contacted XXXX again, this time they sent me a guarantee email stating I did not owe any money and the issue would be resolved. Then again in XX/XX/XXXX, I received a notice from Frontline Asset Strategies regarding a past due balance. Again, I contacted XXXX and was told it would be taken care of. I did see it was removed from collections and I assumed the issue resolved. I checked my credit report today and see Frontline Asset Strategies have a collections account on behalf of XXXX for {$57.00}. I contacted XXXX and explained the situation but was told in XXXX, they deemed I did owe the money for phone service back in XX/XX/XXXX. I asked how it was possible I owed money when I never even had phone service which I could use. I then asked why wasn't I notified, the " supervisor '' XXXX, ID XXXX told me the account was written off in XX/XX/XXXX which is why I was not notified. Also, since it was written off there was nothing I could so other than to contact Frontline Asset Strategies to dispute the account. I find it incredibly fraudulent they atomatically posted a balance to the account when I was told it was {$0.00} then sent it back to collections and on my credit report without any notification. I am completely disputing this on my credit report and the money which XXXX says they wrote off since I have XXXX  guarantee email stating there was a {$0.00} balance.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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