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

In XXXX, I opened an account with Citi Bank and was told that if I deposited a certain amount of money in the account than I would receive {$200.00} within 3 months. I had requested them to not send my debit card to the physical address since I was having problems with my mail getting to me and not going to someone else and was told that they would send the debit card to the mailing address however they did not do that and sent the debit card to my physical address and someone else got the debit card. Since they could not just a simple thing for me like send the debit card to my mailing address as promised than I told them to close the account and give me all of my money back. They closed the account but would not give me my money which is a total of {$5000.00}. They claimed they sent me a check however I never received it so I requested another check sent to me and the check that they sent me was not a good check. I asked Citi Bank to cash it and they told me that I had to go to a certain bank to cash it, after going to several Citi Banks to cash the check, and I went to a certain bank ( branch ) and they refused to cash the check however of course would not tell me why so I asked Citi Bank how I could find out about checking to see if the check was still good and they gave me a phone number to call and when I called the number, the XXXX number claimed that the check was not in existence. I contacted the bank over and over again and they would not give me my money or another check so after getting the runaround, I contacted the XXXX XXXX XXXX and could not get any help there either. I have contacted the branch millions of times within the last 4 years and I still have not received my money. I have had all kinds of excuses and one excuse was that the check that I deposited into the account which was my {$5000.00} was a bad check. It was not a bad check and I can prove that. Their check that they sent me was the bad check not my check that I deposited into the account. After many years of waiting Citi Bank contacted me and told me that they were going to hand over my check to the state and I contacted them in XXXX regarding the check and they still will not give me the check. They ignored me however in XXXX I received a letter from the State saying that the bank was going to give the check to them and I contacted the bank once again and this time I told them that I was going to send all of my complaints to the state to show proof that I was trying to get this money but finally this time Citi responded however they are asking me for money to replace the check and wanting me to show my id and everything else along with social security number. I am not going to do that. Citi bank should have given me this check in XXXX and I would have never had to have gave out my personal information out. Citi Bank also has been given out consumers information in a data breach and now they want more of my information to hand out to scammers. Heck no, I want my money.
Product: Checking or savings account

On XX/XX/2018 I made a deposit of XXXX $ to pay my rent. Capital one ATM had an error and returned my card but not my money I made a claim and was deny due to me having no funds I couldnt get a lawyer to get the footage of the atm I was there around XXXX-XXXX in the atm I put the claim inside with the banker. But after a few days I get a denial letter because I wasnt seen in the bank : ( this cause so mich fees for me and the bank just laughed at me and said they didnt take care of them I recently found out about this and I dont wish this on no one.
Product: Mortgage

Good Day To Whom it May Concern I am contacting you about a ongoing situation at XXXX XXXX XXXX in XXXX Connecticut XXXX XXXX XXXX and myself, XXXX XXXX, I came into her life in XX/XX/XXXX An overview of this problem In XXXX of XXXX Bank of America and serving company XXXX XXXX XXXX converted their INTEREST ONLY to a conventional. The payment shock put us in foreclosure. It went from {$2700.00} to {$4600.00}. Let me give you the history of the situation. In XXXX my girlfriend bought the house with XXXX XXXX  ( XXXX ) loans then Bank of America ( BofA ) bought the loan from XXXX in XX/XX/XXXX. XXXX miss guided her and gave her an interest only loan which lasted over 13 years. Being a divorce single women she was mislead into the lowest payment which in effect maximized XXXX profits. At the time she was paying {$2700.00} a month and it was interest only which she did not understand, therefore the mortgage amount, principle wise did not decrease in those 13 years at all. They miss guided her at Bank of America when they took over the loan from XXXX and the principal did not decrease in 13 years. What I believe is unjust enrichment they took advantage of her, in XXXX they converted the interest only to a conventional type loan which she can not afford the payment shock of {$2000.00} more a month therefore I came aboard to help her and I put myself on the mortgage in order to sustain performing. Therefore Im asking with your help if we can get some credit or reimbursement of the interest because it ranges from over {$200000.00} in the 13 years due to the unjust enrichment laws. She still owes an original amount on the principal amount which is roughly {$500000.00} so what I like to do is have them reduce the principal and or write a check. It was unjust and therefore put her in a situation that was not necessary nor truthful. I believe she was not fully disclosed on her options when she purchased the home and the mortgage broker seized the opportunity to ensue a woman who did not understand what she was getting into therefore I want your help and or advice on what to do next. Thank you for your consideration in this matter. XXXX XXXX XXXX XXXX XXXX XXXX This was opened and closed without a resolution because they said they have documents doesnot justicfy my claim because they responded doesnt mean im satsifuied im not and no is taking action to help us what is the complaint process for they claim legal over charging us for a loan mmmmmmisrepresented and because we are ingorant that its legal XXXX  this is a form of criminal enrichment and i want compensation they recieved over {$200000.00} in interest and still looking to collect on the principal of XXXX plus this is robbery and if it goes UNJUSTED we FAIL AS A CIVILIZED COMMUNITY. I NEED SOMEONE TO ADDRESS THE ISSUE WE ARE OVER PAYING REGARDLESS OF THE CORRESPONDENCE FROM THE BANK
Product: Debt collection

They called me about some debt I do not have. Called all my kids and my husband saying they were going to issue a arrest warrent if we dont pay by today. Called from a XXXX number saying Bank of America on caller id, I have never used them. but tells you to call XXXX which no one answers and just empty voice mail. They upset family members with their threats.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  Transunion should not be reporting a collection/chargeoff in the amount of {$890.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was sold to XXXX on XXXX and therefore should be reporting a {$0.00} balance. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item should be removed. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit card or prepaid card

On XX/XX/XXXX called Citicard at XXXX regarding my account ending in XXXX due to two electronic payments ( XX/XX/XXXXcheck # XXXX and XX/XX/XXXX Check # XXXX - {$80.00} ea ) that were returned to my bank ( Chase ) by Citicards. 
I spoke with XXXX at the customer service number listed above who was unable to explain why both of my payments above were returned. He advised me to change the mailing address from the XXXX XXXX SD address to XXXX XXXX XXXX XXXX AZ XXXX and he took a debit card payment for {$80.00} with me over the phone to resolve the situation. 
However, upon receiving my XX/XX/XXXXstatement I saw the same problems was happening as credit for payment Chase bank states were paid are not reflected on my account statements via Citicards. 
I again called the XXXX number on XX/XX/XXXX and first spoke with XXXX who confirmed no payments were posted to the account ending in XXXX and was also unable to tell me why. 
I asked to speak with a manger and spoke with XXXX ID # XXXX who via a three way call to Chase bank with me to verify payment, stated she would note acct, request an investigation. Yet I received a letter XX/XX/XXXX requesting bank statements within 30 days to prove all that was confirmed with manager to keep the conditional {$80.00} credit resulting from my conversation with XXXX. 
However, today I received notice form Citi cards in another letter that they were reversing the {$80.00} credit that ensued from my XX/XX/XXXX telephone call inquiry and with out any reason as to why. 
It appears that I am being penalized for being a responsible and proactive customer and would like this matter looked into further in order to help me resolve it. 
Thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Debt collection

Sallie Mae has denied me access to my account. I am unable to verify if my payments have been posted to my account. They are calling family and friends and harassing me, but refuse to allow me to verify my balance. 
I lost my job due to covid and I am trying to get on my feet. They are jeopardizing my job, my credit score and my XXXX  health. 

I believe they are missing payments, but I can not resolve anything without access to my records. 
Thank you
Product: Debt collection

XXXX I paid off the balance of {$270.00}. I was called rude the rep refuse to provide me with his name and he refused to transfer me to a supervisor. Also, this debt is falsely being reported on my credit monthly as late starting in XXXX of this year. But when I spoke to a representative I was told last contact with me was made in XXXX ofXX/XX/XXXX They have been falsely reporting on time payments, then falsely reported me as late monthly. This has effected my getting qualified for a home loan. I paid it because I was advised by a potential leander to do so but I was treated very bad in the process. I also disputed this debt twice. They also told me 3 different names so that made it difficult for me to pinpoint what school they was collecting on.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 CREDIT AGENCIES REPORTING FRAUD ACCOUNTS OF XXXX XXXX 3X ON FILE SAME ACCOUNT VIOLATES " FCRA '' SECTION 506A, 605B, 607, 611 AND 623 ( a ) '' NOT MY ACCOUNT '' NEVER DONE BUSINESS WITH COMPANY " XXXX XXXX XXXX, XXXX
Product: Credit card or prepaid card

On XX/XX/2020, someone used my credit card to purchase {$1000.00} from XXXX. They used my billing address, phone number, and shipping address to place the order. 

After the order was placed, they had the shipper redirect the order to a new person and location. 

I reported the credit card as stolen, and the credit card company gave me the credit and sent me a letter acknowledging the dispute. Several days ago, the credit card company put the charge back on the card because the merchant said I ordered the merchandise. 

I contacted the credit card company about the charge, and they are taking the side of the merchant. They will not let me reopen the dispute and are keeping this charge on my account, accumulating interest. 

I contacted the merchant again this weekend who sent me an email today confirming that this order was rerouted from the merchant, but the credit card company has offered no method to escalate this. This is right before XXXX, but I can't purchase anything now because of this huge ( to me ) charge on my account.
Product: Mortgage

I have an issue with my current mortgage company, Ditech. 

We were one of the folks impacted by the XX/XX/XXXX Flood here in XXXX XXXX. We did and still have Insurance with XXXX through XXXX XXXX. 
We processed the Checks from XXXX and the money is being held by Ditech. They have been very slow in releasing the disbursements to me in which to restore my house. 

I found out Monday ( XXXX ) that Ditech maybe selling my mortgage to another Company, XXXX. 
My fears are confirmed, I have received Notice from Ditech on XX/XX/XXXX. 
It would appear there are many lawsuits against this company for the same issues I'm currently having with Ditech. I do not Trust Ditech!!!! 

I really feel like I've been taken advantage of by these loan company practices, and at XXXX years of age I feel like I should not have any issues with getting my money to restore my house! 

I've been an employee of XXXX for over 40 yrs. 

What I would like is some direction on how to proceed with getting my Insurance Claim Money so I may finish restoring my house. 

I am also fearful that my Insurance Money that is being Held by Ditech will get LOST in the Transfer to XXXX, or worse, that Ditect Maybe trying to Keep My Insurance Money. 
I have Tried Contacting Ditect Many times since the XX/XX/XXXX Flood. They will not Email me any information, all I have received from them are Form letters asking for the same thing over and over again, For Example : A Form to verify my address! Makes no sense to me since I have given them that form already! 
The Forms they send to me are at my Address, which they are asking me to provide to them! 

I would be happy to send any pictures of my house during the renovation or if anyone from any office or agency would like to come and inspect and take pictures, that would be welcomed. 

Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CALLED THE CREDIT BUREAUS AND THE CREDITORS AS SOON AS I FOUND OUT ABOUT THE FRAUDULENT ACCOUNTS : ( XXXX XXXX # XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX BANK XXXX XXXX # XXXX XXXX. I WAS ADVISED TO GO TO THE POLICE STATION AND REPORT THE IDENTITY THEFT, WHICH I DID AND I HAVE SENT THE POLICE REPORT TO THE CREDITORS AND ALL THE BUREAUS AS PROOF OF IDENTITY THEFT. I HAVE DISPUTED THE ABOVE ACCOUNTS AND THE CREDIT BUREAUS HAVE RESPONDED BY NOT REMOVING THE ABOVE ITEMS. THE ACCOUNTS ARE FRAUDULENT AND THEY SHOULD BE IMMEDIATELY REMOVED. I HAVE ATTACHED THE POLICE REPORT AS PROOF OF FRAUD.
Product: Debt collection

I sent a letter to aargon collection agency in XXXX regarding an alleged collection on my credit report. They responded and sent me a statement. In reviewing the statement, it clearly shows that their information is inaccurate, The service was shut off XX/XX/2017, as the property was sold. they are trying to charge me for service from XXXX to XXXX. I replied with a letter to cease collections also included the home loan settlement statement showing everything was paid. 
THIS IS NOT MY DEBT and it NEEDS TO BE REMOVED off my report immediately
Product: Debt collection

TitleMax has been calling me several times a day for the last 8 months trying to collect a debt. I have never had an account with them and have asked them several times to stop calling because they have the wrong number. They always agree to stop but still continue. The number they are calling from is XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I contacted XXXX XXXX ( Card holder for the XXXX XXXX ) before XX/XX/2024, regarding a fraudulent account created by an unauthorized person in my name. Despite my request, they delayed closing this account until XX/XX/2024. I demand the immediate deletion of this account from my credit report as I have no knowledge of it. 
XXXX XXXX # XXXX I contacted the XXXX XXXX and they confirmed this card was used without my consent. There's no record of my name, email, address or phone number being associated with these purchases.
Product: Credit reporting or other personal consumer reports

I have attempted multiple times to lift a credit freeze with Transunion. I have attempted multiple times to access my credit report with Transunion. I have attempted multiple times to dispute inaccurate and erroneous information on my Transunion credit report. Each time I get an error that states, " we're having trouble ''. I have contacted Transunion, but the issue has not been resolved. I am starting to believe this is a tactic to avoid removing inaccurate and erroneous items from my credit file. According to 605B of the FCRA, it is illegal to report information on my credit report without my permission. I have found items reported on my credit report that inaccurate and erroneous that have hindered my pursuit of happiness. These negative items being reported have prevented me from being able to get credit approvals. There is a late payment being reported on my XXXX XXXX XXXX XXXX account that needs to be removed. There are late payments being reported on XXXX XXXX XXXX  XXXX that need to be removed. There is a fraudulent Collection account listed as XXXX XXXX XXXX that was opened in my name that I did not consent to and have no contractual obligation to fulfill that needs to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to EXPERIAN Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means EXPERIAN has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I know I am a victim of Identity theft and I started this process and took the correct procedure to get the fraudulent activity off my report over a year ago, XX/XX/XXXX to be exact. The account and inquiries still continue to report even after a full year. This is ridiculous! I not only filed a police report, I also faxed and sent all documents certified mail. I also have hired an attorney XXXX XXXX of XXXX & XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX Al XXXX. He has noticed several breaches in the FCRA committed by TRANSUNION, XXXX and XXXX This has to stop. Here is a list of all the accounts and inquiries that are fraudulent. 

XXXX  XXXX XXXX XXXX XXXXXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XXXX/ XXXX XXXX XXXXXXX {$790.00} XXXX & XXXX/XXXX XXXX XXXX XXXXXXXX {$1600.00} XXXX XXXX XXXX/XXXX XXXX XXXX XXXXXXXXX {$950.00} Bankruptcy chapter XXXX -petiton filed/US BKRPT CT AL XXXX XXXX INQUIRY- XXXX XXXX XXXX XX/XX/XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX fXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION Chapter XXXX bankruptcy filing/US Bankruptcy XX/XX/XXXX ref no. XXXX I have never filed bankruptcy.. this is under a different name XXXX XXXX XXXXXXX {$790.00} XXXX XXXX  XXXX XXXXXXXX {$1600.00} All these accounts and inquiries don't belong to me an I have the proof to show that. I have reached out to each creditor and informed them of the fraud that took place. 

As my lawyer XXXX XXXX stated in our claim, we feel as if these individuals ' are responsible for their bureaus negligence and non compliance with the FCRA and will be named on our lawsuit TRANSUNION XXXX XXXX EVP Compliance and Litigation Transunion Corp XXXX@transunion.com XXXX XXXX Executive Vice President Transunion Corp XXXX@transunion.com XXXX XXXX Director Fraud and Identity management Transunion Corp XXXX@transunion.com XXXX XXXX Senior analyst consumer experiences Transunion Corp XXXX@transunion.com XXXX XXXX Director-Transunion Consumer Interactive Servicing Transunion Corp XXXX@trnsunion.com XXXX XXXX XXXX President US Commercial Services and Chief Client Officer XXXX XXXX XXXX XXXX XXXX President XXXX XXXX XXXX XXXX XXXX XXXX XXXX Svp US consumer Information Services XXXX XXXX XXXX SVP Chief Compliance Officer XXXX  XXXX XXXX XXXX XXXX CRCM VP/Sr Manager of Regulation and Compliance  XXXX XXXX XXXX XXXX XXXX Senior Vice President XXXX fraud/ID Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Corporate vice president chief legal officer XXXX XXXX XXXX XXXX  XXXX XXXX Customer Service Manager at XXXX XXXX XXXX Email : XXXX XXXX XXXX Operations Manager XXXX  XXXX XXXX XXXX XXXX CEO CEO XXXX XXXX XXXX XXXX XXXX XXXX CFE CCIA Compliance Fraud Investigator XXXX XXXXXXXX XXXX XXXX XXXX XXXX CEO XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

This company has had more than enough time to provide me with a signed contract and needs to remove its information from my credit report immediately. My identity has been stolen so only a signed contract will do.