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

On XX/XX/XXXX I contacted Citibank about a monthly service fee of {$25.00}. I explained to the CSR that I was aware my balance fell below {$1500.00} so I deposited the necessary funds and they refunded the fee. 

On XX/XX/XXXX I contacted Citibank about monthly fees for the second time because the necessary funds were in the account. The rep told me the account was set up for {$10000.00} balance to avoid fees ( first rep never told me this ) I explained that I was told the balance needed to be {$1500.00} by the 1st rep. He said he would change it to a basic checking account so I would avoid the fee next month being that I was able to maintain the necessary funds to avoid the fee. 
On XX/XX/XXXX I got charged a 3rd {$25.00} fee. I called Citibank again and asked why I was charged the fee again and they said nobody ever changed the account last month and they will not be able to refund the fee again. I explained that the man that I spoke to the previous month was supposed to change my account to a basic checking so the fees could be avoided. She then told me that they would pull up the phone conversations and file a complaint so that I could be refunded. So far I have not gotten my refund and I have closed my account with Citibank.
Product: Mortgage

We were offered a first time home buyer rate assistance program. We were sent the initial loan application and disclosures package including a loan estimate. We submitted documentation requested. Two days later the processor called to say the program was no longer available, after two days, and we would have to cancel the application. When we asked for revised documentation we were told that since we didnt lock the rate the disclosures were null and void. The program we were presented did not offer any ability decide the rate. The rate was determined by the agency providing the rate assistance. When asked if this was a Reg Z or TRID 2.0 violation, the lender denied it but did not provide documentation to disclose that the program could be withdrawn and terms reneged.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I sent you a copy of the FTC report, it became clear that you are not obstructing records. Since it is required by FCRA regulation 605b, I'm sending this complaint to help with organizing a legal response. I will turn over my records to my attorney so that a legal process can start if you choose not to stop the following items listed below from answering incorrectly due to fraud. If it's not too much difficulty, abide by the law because it's my intention to not pursue any legal activities. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I currently have a VA mortgage with Freedom Mortgage. I received a call from a Freedom Mortgage loan official about a no cost refinance. He told me there would be no cost for me to do a refinance and my interest rate would be lowered. He also said the current number of months of the existing loan would stay the same. I asked if he was sure there would be no cost to me and he assured me there was no cost. I told the individual to send me the loan information and I would consider the proposal. The first documents I received showed my current loan balance and months of loan staying the same and the interest rate lowered by 1/2 point and there were no additional costs. Since it looked as he explained I started the loan refinance. A couple of days later I received closing documents to sign, however the loan amount had increased approximately {$3500.00}. I contacted the loan officer and asked about the difference and he told me it was not costing me anything. He said it was my escrow balance rolling over. I said why did the loan amount go up and he kept trying to explain it wasn't costing me anything. I said if my loan amount increases it is costing me something. I then instructed the loan officer to cancel the loan application. I then started receiving call after call from the closing department to set a date for closing. I told them I had instructed the loan officer to cancel the application. I believe they were trying to badger me into signing for a loan that was not what was originally explained.
Product: Mortgage

I have had a PNC mortgage for several years now, and have had autopay set up throughout this time. 

On XX/XX/year>, I received a letter stating that my XX/XX/year> payment was past due. Logging into my account, I saw a {$180.00} fee assessed on XX/XX/year>, and autopayment is no longer set up nor is it available to be configured online. 

I received no notification that my autopay had been removed. This is the second time this has happened in the time I've held this mortgage with PNC.
Product: Checking or savings account

I would like to express my frustration and lack of empathy and transparency I experienced in my interactions with Ally Bank. 

I issued 2 checks for {$50000.00} each to my husband who deposited it using mobile deposit to his account at XXXX XXXX At around XXXX PST on XX/XX/28 I received a call from Ally Bank 's fraud department who confirmed verbally that I had indeed issued the checks and they confirmed that the checks would be allowed to be encashed. But unknown to me, according to Ally Bank transaction records, they had already returned the checks due to a mysterious " Irregular Signature '' reason and rejected them. They did this at XXXX XXXX which was about 3 hours even before their fraud department bothered to call me to confirm the checks on my account. 

And due to their actions, the checks bounced and my husband was charged {$14.00} in returned item fees by his bank. We wanted to use the money for a down payment and because of Ally Bank 's callousness, we couldn't do it. 

I contacted Ally bank today ( XXXX ) and spoke to their phone banker who said that it was the " other '' bank who rejected the checks. My husband contacted XXXX XXXX who confirmed that it was Ally Bank that rejected the checks and they had no part to play in it. I am attaching the screenshot of that communication with this issue.
Product: Credit reporting or other personal consumer reports

CITI BANK REPORTED MY ACCOUNT TO XXXX AS FRAUD I DO NOT RECALL CLOSING OR HAVING THIS ACCT FURTHERMORE THEY WILL NOT GIVE ME ACCOUNT INFO AS I HAVE NO DEBIT CARD INFO MUST GO TO BRANCH NO BRANCHES ARE NEAR ME. ACCOUNT IS FRAUD
Product: Checking or savings account

My account was hacked on XX/XX/2020. I have been getting robbed hundreds of dollars from multiple gas stations across XXXX California. I currently live in XXXX, five hours away from the XXXX XXXX county area and they are taking my money from there. The first incident was onXX/XX/2020 in XXXX CA from XXXX # XXXX. They removed {$100.00} from my account. On the same day, they removed {$120.00} from XXXX, CA from XXXX XXXX. On the same day, they also remove {$73.00} from XXXX XXXX XXXX XXXX. On the same day, they also removed a {$120.00} from XXXX XXXX in XXXX. All of this is on the same day and keep in mind I made a transaction later throughout the day in XXXX, the grocery store in XXXX. I was all the way in XXXX when they hacked my bank account until they left me with nothing. On XX/XX/XXXX, they stole a total of {$100.00} in gas in XXXX XXXX XXXX, XXXX CA and {$120.00} from XXXX XXXX in XXXX, CA. In XX/XX/XXXX, {$99.00} from XXXX XXXX in XXXX, CA. On XX/XX/XXXX, again from XXXX, XXXX XXXX, another {$99.00}. In XX/XX/XXXX, another {$330.00} from XXXX California XXXX XXXX. This was an ongoing trend that continued until they left me in XXXX dollars in my account by XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to report unauthorized inquiries and credit accounts that have appeared on my credit report. I have noticed these entries on my credit report and have reason to believe that they were not authorized by me. 

I request that the CFPB take immediate action to remove these unauthorized inquiries and credit accounts from my credit report as soon as possible. These unauthorized entries are damaging my credit score and causing me undue stress and worry.

I would appreciate your prompt attention to this matter and your assistance in resolving this issue. Please let me know what further steps I need to take to ensure that this matter is resolved. 

Thank You
Product: Mortgage

XXXX took over our construction loan in XX/XX/XXXX. In XXXX, they opted to conduct an inspection at which time we did not request a funds draw. We requested on in XXXX but they insisted we would need another inspection to see what had been completed. Yet, they had not yet conducted a review of the work completed from our last draw in XX/XX/XXXX to their inspection in XX/XX/XXXX. I told them this needed to be done prior and that we should receive a draw against that first. THEN they could come do an inspection of work completed between XX/XX/XXXX to XX/XX/XXXX. It is now XX/XX/XXXX and they have hesitated to reply to my email, answer my questions if at all, and provide any funds. They had been apprised of the fact that we required heat in our living space as we were using heating units and winter was coming. They did not offer any solution but to conduct another inspection. Since we would be charged for this again, I declined and again instructed them to execute their due diligence and review the difference in the prior inspections. This way they could adhere to their procedure and pay against work that has already been completed. 
The amounts remaining in the loan and in contingency are also in question but we have not received a response in regards to the whereabouts of the missing funds.
Product: Credit reporting or other personal consumer reports

Please remove the following addresses as they are NON-MAILABLE addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX I instruct XXXX, XXXX, and EQUIFAX to remove these non-mailable addresses. 

Please also remove all recent hard inquiries pursuant to 15 USC 1681. Any new inquiry was an UNAUTHORIZED transaction. 


Also, please remove ANY AND ALL CHARGE-OFFS from my credit report. Charge off is considered a certificate of indebtedness and is also considered income. It must be removed or updated to paid on time never late, because you can not report income. It is ILLEGAL to report transaction history! UPDATE IT TO PAID AS AGREED IMMEDIATELY. Pursuant to the PRIVACY ACT OF 1974 and FCRA ACT. 


XXXX, XXXX, and EQUIFAX is reporting INCORRECT INFORMATION. You all continue to violate my rights when I have continuously written to you to conduct investigations and provide me with proof of who and where you confirmed your information with. With that being said, I have counted well over 20 inaccuracies as far as the wrong dates, wrong amounts, incorrect remarks, and much more. Pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance, I am due compensation for your negligence and noncompliance to report accurate information even after investigations have been completed. Attached is proof that you continue to report inaccurate information even after I have had multiple communications with you all.
Product: Debt collection

I pulled up a copy of my credit report and seen there were some accounts that is not mines and will need them removed. There are miss spellings of my name, phone numbers that are not mine, and addresses that I have never resided at. The following accounts in dispute are listed below : XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, # XXXX, XXXX XXXX XXXX # XXXX, # XXXX, GUARDIAN FINANCE # XXXX, # XXXX, # XXXX, # XXXX, DEPT OF ED/XXXX  # XXXX, # XXXX, # XXXX.Please Delete NAMES that does not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX.Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX XXXX XXXX, OHIO XXXX XXXX XXXX XXXX, OHIO XXXXPlease Delete Telephone numbers that does not belong to me : ( XXXX ) XXXX, ( XXXX ) XXXX.
Product: Debt collection

Midland Funding LLC representing XXXX XXXX Bank has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2015 amt {$1000.00}
Product: Student loan

I have had Navient since I received my loans to complete my XXXX beginning in XXXX and finishing in XXXX. I find it incredibly difficult to find statements/summaries of my loans, since I have XXXX, and the website is very confusing to follow. I also can not find out how my loans have nearly doubled over the past 2 years, and when I call Navient to speak to someone regarding this issue, although the customer service team is very friendly, they do n't have any answers. They direct me to the website to look at my account details/summary but in this window I am still not able to find the information needed. I also was offered the Income-Based Repayment plan last year, which seemed like a positive option since my standard payments are nearly all of my take home pay per month, but by choosing this option my loans have actually gone up over the past year. I make payments of nearly XXXX/month, and to see that I have not paid off a penny, instead have incurred more cost, is very disheartening. I am not sure how I am supposed to tackle my student loan balance, but want to be sure that Navient has applied all payments correctly, and that it is truly possible for my loans to increase so drastically. It is incredibly disheartening and confusing to deal with Navient, but it feels as though I am trapped in this situation with not many options to get out. Thank you for your time and concern!
Product: Checking or savings account

Wells Fargo has declined to make my economic impact payment of {$2800.00} available and has stated more than once that they will make the funds available even though that have received the funds from the treasury department early. They received my federal tax refund and made that available early. It was made available XX/XX/21 with a scheduled deposit date of XX/XX/21. Both the economic impact payment and the federal refund come from the treasury department. Large banking institutions holding funds that are to be dispersed to struggling Americans is corporate greed. Its wrong and it should not be allowed. The president announced we could receive these funds as early as this weekend, and some people have began receiving their payments as of Friday, XX/XX/21.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, I am XXXX XXXX XXXX and the reason I am writing to you is complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to remove fraudulent Items from my credit report
Product: Credit reporting

I got a recommendation from XXXX for a loan from XXXX. I thought since It was a recommendation from you it would not hurt my credit and be a hard inquiry. I also stated that to XXXX and said I did not want my credit to be ran nor did they ask permission to run it. I am rebuilding my credit and this will hurt it. I also declined the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 US CODE 6802, ( A ) a financial institution may not disclose non public information to a non affiliated third party unless such financial institution clearly and conspicuously discloses to the consumer in writing or an electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to a third party. ( B ) the consumer is given the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such third party. ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. This means that by law, I have the right to opt out of having such information reported. I demand that all XXXX XXXX XXXX accounts be DELETED AND REMOVED from my Credit Report IMMEDIATELY!!!
Product: Checking or savings account

I was charged an overdraft fee for a purchase of {$210.00} initiated on XX/XX/XXXX and posted XX/XX/XXXX. On Tuesday, I also received via direct deposit my tax refund of {$2800.00}. On XX/XX/XXXX I initiated a transaction for {$2000.00}, which posted on XX/XX/XXXX on that same day i was paid around 1,000 dollars. On both  occasions I was assessed an overdraft fee for pending charges and during both times those funds from my transactions was not held/removed from my account on the Citibank app. So when i went to look at my account before i made another transaction I thought I had more money in my account than was actually there. During that week I had pending credits that would cover any " overdraft ''. Citibank charged me two overdraft fees for pending purchases ignoring the pending credits that was on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved from my apartment And shut off my XXXX service when I initially set up service I paid a deposit and I never received a bill. I was unaware of the balance until it showed up as a collection account on my credit report. I immediately called XXXX and was the representative advised me they would recall the debt and reverse the charge off and bring my account back in good standing and that the collections trade line by XXXX  XXXX XXXX XXXX would be removed from my report. It was onli updated to paid and I called XXXX back and they advised me that they had already notified XXXX XXXX XXXX XXXX that it was no longer a valid debt and that it should have been removed.
Product: Credit reporting or other personal consumer reports

these accounts were opened without my knowledge or consent. This is id theft
Product: Debt collection

I received a copy of my credit report and this company is reporting a XXXX debt that is not mine. I requested information as validation of debt and what they sent shows it's not mine. I have never lived in Maryland and that is what the Lessee Address shows. I don't even know were XXXX Maryland is. This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : XXXX XXXX {$100.00}, XXXX XXXX XXXX XXXX, XXXX XXXX {$3100.00} To Whom It May Concern : This letter is in response to your recent claim regarding Acct # XXXX, which you claim such as I owe an amount of {$100.00}, {$760.00}, {$3100.00},. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is 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 of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my recent report, I have found a lot of erroneous information reporting on my TransUnion Credit Report. I am not sure if you have conducted a thorough investigation for the following items : DEPTEDXXXX XXXX Balance {$6800.00} DEPTEDXXXX XXXX Balance {$0.00} XX/XX/XXXX DEPTEDXXXX XXXX Balance {$0.00} XXXX. XXXX, XXXX DEPTEDXXXX  XXXX Balance {$0.00} XXXX. XXXX, XXXX DEPTEDXXXX XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX DEPTEDXXXX  XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX  XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX  XXXX Balance {$0.00} XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX  XXXX Balance {$0.00} XXXX. XXXX, XXXX XXXX XXXX XXXX ( Original Creditor Name : XXXX ) XXXX Balance {$3000.00} XXXX XXXXXXXX Balance {$0.00} XXXX  XXXX BANKRUPTCY DISMISSED Reference Number XXXX Filing Date XX/XX/XXXX XXXX  XXXX BANKRUPTCY DISCHARGED Reference Number XXXX Filing Date XX/XX/XXXX XXXX