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

On XX/XX/XXXX Citibank closed my checking account with no notice. On XX/XX/XXXX I contacted CitiBank and was transferred to the fraud department where they said that my account had been marked for closure but they could not tell me why. I asked at that time what will happen with the funds I have available in the account ( which was about {$200.00} ) and they stated that there was a note on my account saying " do not issue ''. I asked why and the customer service rep could not tell me. I asked could I speak to a manager and he stated there wasn't one. Later that morning I received two emails from CitiBank stating that my account would be closed and that no further withdrawals or deposits would be accepted. I work for the government and on XX/XX/XXXX my direct deposit ( just over {$1200.00} ) from my pay went to the CitiBank account. There was not enough time between when my account was " marked for closure '' and when my pay was released from XXXX to stop the direct deposit from going to that account. I was told by XXXX on XX/XX/XXXX that the funds had not been returned from CitiBank. On XX/XX/XXXX I contacted CitiBank to ask about the direct deposit. I was told by the customer service rep that she could see the XXXX deposit and she needed to transfer me to the fraud department. I have been on hold with the fraud department for hours with no resolution. The email from Cititbank that I received on XX/XX/XXXX states that no direct deposits could be received to that account. In that case, my pay from XXXX should have been rejected and sent back to XXXX and not deposited into that " closed '' account. I just want my available balance, which should be around {$1400.00} returned to me. I have had no luck so far. I have worked hard for my money and I desperately need access to my funds.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred and nsf fees. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My lender was unable to check my credit score. After several days of trying to contact Experian, I figured out that Experian has a wrong SSN on file. I started dispute, but ended up seeing that Experian can not do this online. Website provided me with the report number and telephone number to call and speak with a dispute specialist. However, as with any other phone number Experian has, this phone number was answered by the same answer machine, that did not let me speak with a specialist, and did not have any suitable option, offering absolutely irrelevant choices. I tried it for 3 days and spent several hours total, but couldnt get through it. It seems there is no way for a consumer, whose information was distorted or misused by Experian, to fix the issue, as Experian does everything it can to neglect and disregard consumers needs.
Product: Credit card or prepaid card

XXXX illegally auto-renewed the Sunday XXXX service on a credit card I had on file with them after I had already cancelled it at the end of the previous season. I did not know about the charges until a few of them took place. I disputed all the charged with CitiBank after reading the fine print, confirming my cancellation. All disputed charges were correctly resolved, with the exception of one from XXXX. Since then ( it is now XXXX ) I have been calling to resolve this. CitiBank decided to charge me late fees and interest on a charge I never made and I have spent hours on hold with them, specifically more than 2 hours every other week for the past 4 months. On XX/XX/XXXX, after my 5th phone call - they constantly disconnect or lose calls and even after several requests to get called back if this happens, I talked to a Dispute representative and she told me " I have processed the credit for the disputed charge. The late fees and interest will be resolved and your account will be a {$0.00} balance. You will receive a letter in 3-5 business days that explains this. '' I then asked about reopening my account - which had been cosed for " non-payment. '' She said she put in that and it would be reopened and I would recieve another letter in 5-7 business days on the status of my account. Instead 2 days later I received an email that my request to reopen my account was denied. Today, XX/XX/XXXX, I received a letter in the mail with a new account balance. On the same day, I received note that I was turned in to collections for {$150.00}. So not only did she not credit my account for the disputed amount and only charge on the account, all the interest and late fees still exist and they turned me over to collections. I have spoken to a customer service manager who told me that he is unable to view my account since it went to collections. I asked who I can speak to at the company that can access my file, in its entirety and resolve this for me today. His only suggestion was to speak to collections. They are only going to ask me for a payment and I am not paying for a service illegally charged to my account. Just today I have been on the phone with them for over 2 hours trying to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer Usa made inquiries on my report on XX/XX/2022 when asked too produce how they obtained my information or signature too run my credit they could not yet they made an inquiry on my credit report and violated FCRA 611 and fails too provide me with FCRA 611 ( a ) ( 7 ).
Product: Student loan

I applied to go to XXXX after transferring home From XXXX XXXX and XXXX XXXX XXXX XXXX after my mother had a XXXX XXXX on XXXX. I was only XX/XX/XXXX years old. 

After getting in, I only got about half of the money due for tuition in financial aid. So I had to go the private sector route. I first got a loan applying with my grandmother ( has since passed away after I graduated from XXXX XXXX ), this was from XXXX XXXX services. They gave me, {$31000.00} ( XXXX ID - XXXX ) for XXXX year of tuition. Disbursed on XX/XX/XXXX. After my first year I was taking summer classes. This time again, I would need financial aid. Not getting enough I would turn to the private sector again, But only this time I was denied any further loans from XXXX XXXX, even with my Grandmother as a cosigner. So I turned to Sallie Mae. I was approved with my grandmother again as cosigner, for a loan of {$8800.00} ( Loan ID - # XXXX ) that was disbursed on XX/XX/XXXX. After summer classes, my Junior/Senior year was about to begin, and so I had to find more funding. This time though, nobody would approve me, I tried multiple different websites other than but including, Sallie Mae and XXXX XXXX, I do not fault the others as looking back now as an actual adult how wrong it would be to give a person like me funding of that nature, but so many companies feast on people like me. I also tried multiple different cosigners from my family, but no luck. Therefore, I had spent a just about a year at XXXX, borrowed over {$60000.00} total ( including federal loans, just principal, now it is much higher ), and for nothing. I borrowed all that money to go to a dream school, with an incredible reputation, thinking I was knowing the risk and " knowing '' ( truly hoping ) a degree from there would be worth the money. I truly believe they both Sallie Mae and XXXX XXXX gave me the original loans, more than well knowing that they would not approve me for a second one. How that is not unlawful is beyond me, but now I am stuck, worried sick about how to live, because I have this huge debt on my shoulders. In total with Federal I owe currently about XXXX in loans, and I graduated from a school that would have cost me {$80000.00} had I never tried to achieve a dream degree.
Product: Mortgage

Paid off a home mortgage with SLS in XX/XX/XXXX. There was a 2 escrow surplus checks ( {$360.00} dated XX/XX/XXXX and {$2000.00} dated XX/XX/XXXX ) issued to the estate of my partner ( deceased in XXXX ). The estate was closed in XXXX. I was the Power of Attorney and Executor Administrator and beneficiary of the estate. The mortgage was in his name which I continued paying. I refinance this mortgage with another company in my name in XXXX of XXXX. 
I have called SLS in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I faxed the documentation to SLS on XXXX XXXX as they had requested per phone call in XX/XX/XXXX. SLS confirmed documentation had been received per each phone conversation in XXXX, XXXX, XXXX XXXX and XX/XX/XXXX. Per all phone calls a rep said a check would be reissued to me in my name and they had the necessary documentation. 
Needless to say - no escrow surplus check has been received.
Product: Mortgage

When interest rates dropped in XXXX, my mortgage company reached out to me about refinancing. I locked in at 3.5 % with no points. Two weeks prior to that my boss informed me that we were going to have to shut down our XXXX XXXX  due to COVID-19 and she wasnt sure how many hours she could guarantee me. So I called my mortgage company to inquire about having a month deferred just in case. I was told they do not defer but they offer a forbearance and explained that it would waive any late fees and would not hurt my credit or if I wanted to refinance. I didnt want to do that because I didnt want to pay two months worth the following month. Well they put me on forbearance anyway which I did not want to and which I ended up not needing Because I was able to keep working and did not use. I have never been late with a payment or missed any payments and my mortgage is paid up to date. 
After a month of sending in documentation and trying to keep from using credit cards, I was called and told they were stopping the refinance because I went into forbearance. So for the last three weeks I have been getting nothing but the run around from them and they say there is a way to make it work and will call me. But now for over a week I have heard nothing. 
I still want to refinance but they have dinged my credit report and I have paid {$540.00} for an appraisal. My credit score is around 754 and should be higher soon since I just sold a car and paid off that loan. 
I reached out to another broker and was told that I can not refinance if there is any record of forbearance on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living humban being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privace and I did not give Equifax written permission to furnish these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

This evening, XXXX/XXXX/XXXX I called, yet again, the Navient call center. After being assured by a phone call in XXXX and by response to my complaint to the CFPB just a couple weeks ago that the fraudulent forebearance that Navient put my account in would be reversed and my accounts would be set back to the proper repayment plan ; it became apparent today that this did not occur. For more times than I can count Navient has yet again lied about consumer 's repayments. 

My payment is supposed to be {$100.00} set up via autopay on the XXXX of every month with the first payment at this amount being on XXXX XXXX, XXXX. However, only {$37.00} was autodrafted yesterday with 2 of my account suddenly showing that they do not enter repayment until XXXX/XXXX/XXXX. This is FRAUDULENT information again, as they were to enter repayment on XXXX/XXXX/XXXX. Navient is attempting to steal money from me by continuing to gain interest they do not deserve. 

When I called tonight I was LIED to by the first customer service rep. I explained the issue that was occurring and all she would say is autopay is set up for XXXX XXXX ... she would n't even read the account. USELESS. Then she claimed there was no one there to help me when I requested a manager saying I would have to wait for a call back in 24 to 48 hours. After threatening to yet again report Navient to the CFPB, suddenly she found a supervisor. Obviously these agents are told to try and put consumers off with lies so Navient can keep collecting interest they have not earned and to keep consumers in the dark on their repayment plans. 

The supervisor refused to help me because apparently by reporting them to the CFPB I now am not able to be serviced by the contact center, only an " Advocate '' is allowed to speak to me. She can not give me a name or a phone number for these supposed " Advocates ''. 

So now Navient is retaliating against consumers that report them for their fraudulent operations and refusing to provide any customer service, repayment assistance etc. 

WHAT WILL IT TAKE FOR YOU TO SHUT THEM DOWN??!!!
Product: Credit card

I have sent several letters asking for proof bearing my signature showing this this account has been late. I have never received a response, in fact this account was paid and closed fro over a year and know this company just added that this account is now open and hit me with another late. 
i have also disputed with the bureau and it has gone un answered.
Product: Credit reporting or other personal consumer reports

Please update the information on my credit report with Experian. My current and correct name is XXXX XXXX XXXX XXXX, yet my report shows the wrong name as " XXXX XXXX, '' which is lacking my middle name XXXX XXXX XXXX XXXX XXXX XXXXXXXX. '' Additionally, my employer information is incorrect. The wrong employer listed is " XXXXXXXX XXXX XXXXXXXX, '' but the correct employer is " XXXX XXXX XXXX. '' Under the FCRA 1681e ( b ), credit reporting agencies must ensure the maximum possible accuracy under 15 USC 1571e ( b ). This inaccuracy violates the FCRA accuracy requirements and impacts the integrity of my credit file. I demand my name and employer information be updated to reflect the accurate details. Continued noncompliance may result in liability under 15 USC 1681n and 1681o, including damages of up to {$1000.00} per violation.
Product: Credit reporting or other personal consumer reports

I filed several disputes with Transunion and XXXX asking them for the documents after the investigation. I sent them my police report and FTC report. This accounts were removed from my XXXX report after I disputed them.
Product: Credit reporting or other personal consumer reports

I declare that the information regarding this student loan does not pertain to me. I have never attended XXXX University, and the name associated with this loan is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX account number XXXX Reported that their investigation was complete and verified. However, they are violating my rights furnishing late payments on my account under 15 USC CODE 1681a- definitions ; rules of construction | US CODE | US LAW | Lii / legal formation institute 15 U.S Code ; 1681 S-2 - responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC ; 1681a 2 ( A ) ( i ) except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s -3 of this title, any- ( i ) reporting containing information solely as to transactions or EXPERIENCES between the consumer and the person making the report ; I demand late payments to be updated as on time.
Product: Debt collection

I recieved a letter from Radius Global Solutions attempting to collect a debt owed to XXXX XXXX XXXX XXXX XXXX. I received calls daily from Radius. I requested that the phone calls cease immediately because the bill was supposed to on hold. 

On XX/XX/XXXX, I spoke with XXXX at XXXX XXXX XXXX XXXX XXXX to confirm whether the bills were still on hold. She indicated that the bill was sent to Radius in error, but she would request a return of the bill. 

Radius has violated collection practices by placing the bill on my credit files after my contact with the company within 30 days of the notice. I inform Radius representative to return the bill to the provider. Nonetheless, this collection bill has been placed on my credit files. which has negatively impacted my good credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Miscellaneous ), FACTUAL DATA ( Miscellaneous ), has violated my rights. 

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 agenecy can not furnish a account without my written instructions.
Product: Debt collection

I disputed the charges twice as they are not related to us. However, it has created negative effects so I paid the debt directly to XXXX XXXX. This debt was settled with XXXX XXXX and Bull City Financial is still trying to collect the debt. The payment confirmation numbers are XXXX and XXXX. 

Bull City Financial Solutions refuses to accept the debt is paid. 
Address : XXXX XXXX XXXX XXXX # XXXX, XXXX, NC XXXX Phone : ( XXXX ) XXXX
Product: Debt collection

I was getting emails & mail that " Citizens One '' was denying me credit ( XX/XX/2021 & XX/XX/2021 ) I ignored then initially because I thought if I clicked-in they would be the ones trying to steal my info ( I'd never heard of them ). Then XX/XX/2021 I get a email of a bill for XXXX and that I was late paying. So I went back in emails and found another one on XX/XX/2021 that they shipped a XXXX for {$880.00} bill. In between all the " denial of credit '' I never once received a " we opened your credit account '' - just a " past due '' amount weeks later. 

I called Citizens one on 4 occassions only to be told that I had to get to their dispute department and they'd send a package of credit fraud. On XXXX occasions I was disconnected. I then began getting phone calls everyday about a past due bill. I'd click to receive and always disconnected. I went on " Identy Theft.gov '' and filed a dispute. It said to stop my credit and write them. 

I put a credit freeze on XX/XX/2021. I wrote to Citizens one on XX/XX/2021 and it was sent back. Finally on XX/XX/2021 I received a call and was able to put in my dispute. I'm waiting on their " credit fraud packet ''. 

Also, since then I've had 2 banks call and someone was trying to open a credit card. Thank goodness I had the credit freeze. I explained the situation and of course no credit cards went out.
Product: Debt collection

Dear TransUnion I am writing formally requesting The Removal of Unknown collections accounts or provided Debt Validation for the listed items on my credit report which does not belong to me. Despite my disputes, TransUnion continues to insist that the information is accurate, disregarding my rights under section 605! of the FAIR CREDIT REPORTING ACT, which mandates that credit reports reflect only accurate and verifiable information. The continued inclusion of this incorrect account is a violation of my Consumer Rights and a breach of the law. I request that TransUnion immediately remove these erroneous accounts and provide a detailed response outlining the actions taken in compliance with section 605, including any investigation findings or updates to my report. I have uploaded a copy of my police report for promptness to reporting this matter for the 30 day window. Thank You for showing attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

there are accounts account 's on my credit report that are subject to identity theft. the accounts listed below must be removed immediately. 
name of creditor amounts date opened on report listed. 

XXXX amount owed {$520.00}. 
date opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX. 
amount owed {$290.00}. 
XX/XX/XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days, and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION. 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN general to subsection ( c ) any consumer reporting agency may furnish a consumer report un owing circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER gave any consumer. 
reporting agency WRITTEN CONSENT to report anything on my consumer report which XXXX rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.