23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have been a customer with citibank for over 20 years. I have a consumer shell mastercard through citibank. I payed these bills ALWAYS on time. I had autopay setup and calculated a amount to pay based on my usage. Due to the pandemic i was using this card less, and was overpaying this card. I had accrued over XXXX dollars in credit. I am a XXXX  and dealing with the pandemic and didnt notice i was overpaying my card. 

Noticing this in XXXX i started using the credit card more. But without warning a deduction in the amount of XXXX of XX/XX/XXXX, was put to a entity in XXXX Illinois. I called Shell Citibank /master concerned this could be fraud. After 3 ( over 2 hours time ) they determined it was Citibank and a attempt to send me a credit check in the amount of XXXX. I was told to wait up to 2 weeks and I would get my money. I called back in early XXXX stating i had not received any check. After several hours on the phone they initiated a investigation and credited me back the money of XXXX again. 

After their investigation they restored the XXXX to my account. I stopped using my card because of what had happened. There was additional credits due to my auto payments. I was then told I would receive a check for XXXX I waited the 2 weeks and did not receive a check. 

I called Shell Mastercard/Citi back. After an additional 2 hours on the phone I requested they send the credit to my linked Citibank checking account. Despite what they described as notes on my account, no one representing them except the understood what the problem was. I asked to speak to a manager on XXXX I was told that refunding the money was not possible due to policy. I inquired to the delay in sending me my credit / overpayment. I was told the credits were put on hold to " security concerns '' and they insinuated that i could be involved in fraud or money laundering. " And that they dont know the payments I made were legitimate. I was then told i would to provide proof of the payments, every one dating to at least XXXX. 
I asked for something official in writing. She stated that I was notified of this, she then checked and verified that in fact I had not been notified of any issue or concern to date. 
I then asked for an official correspondence delineating the issue and the remedy. She said she could not do that. As it was not a " option on their system ''. 


After over 3 months and over 14 logged hours on the phone I am no closer to receiving my money for the overpayment credit. I have received NO correspondence on what is needed for them to send me my money. I am out {$1000.00} dollars. I offered to authorize them to call my bank CITIBANK to verify the bill payments. These are all CITIBANK Bill payments. This manager said its not possible, and they would only review in writing. I was given the generic Citibank fax #. So i have no idea what I am sending in will be sufficient. I am concerned some time window will close and my money will be lost forever. Calling is now becoming more of a problem. I am hung up on 50 % of the time. I suspect that i have a case no one can solve. 

Please help.
Product: Checking or savings account

I became a victim of fraud when someone without my authorization took 9 trasactions of {$500.00} each via XXXX through my Provident Bank NJ Checking account on XX/XX/20 and on XX/XX/20. On XX/XX/20, I reported the the unauthorized transactions to Provident Bank and they immediately put a hold on my account. Since then I've been trying to get this resolved and money credited back to my account with Provident Bank 's fraud department but they keep stating that they are waiting for a response from XXXX and from their legal department. My business was with Provident Bank and not XXXX. I have rights and protection under the Electronic Funds Transfer Act yet Provident Bank NJ has not attempted to provide any type of resolution for my account being hacked via their XXXX service. 
It has been over 6 months and I am still out {$4500.00} dollars that I was saving for my maternity leave. I am now on my maternity leave with a newborn child and am finding it difficult to maintain my finances without any income and was counting on my savings to get me through. I have a copy of the fraudulent transactions as well as the Affidavit of Forgery/Unauthorized Transactions I filed/signed with the Provident Bank NJ directly. 
Provident Bank 's Fraud department # is XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint RE : XXXX & TransUnion 30 Day Investigation Period Expired Dear CFPB, I sent a letter to XXXX & TransUnion disputing XXXX ( XXXX ) accounts as erroneous on XX/XX/2022 and mailed them certified, return receipt requested. I received notice in the mail that XXXX XXXX TransUnion received the dispute letter on XXXX/XXXX/2022. It is now XX/XX/2022 and I have not received a response from XXXX nor TransUnion. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), XXXX & TransUnion have 30 days ( about XXXX and a half weeks ) to investigate disputes. If XXXX & TransUnion can not verify the information within the 30-day time period, XXXX & TransUnion must delete all the disputed accounts from my report. 
Enclosed find a copy of the receipt showing when XXXX & TransUnion received my credit dispute and a copy of my original letter showing all the accounts I have disputed. 

Thanks in advance for your timely response to this complaint. 

Sincerely, XXXX XXXX XXXX - Consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. The current status should not be showing late because I think I paid on time. This just proves that EQUIFAX Credit Bureau lacks proper record keeping. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately.
Product: Checking or savings account

I want to link my bank account to my rent payments to do flex payments, but I got a message saying PNC blocked my account from letting that happen. I need help asap.
Product: Vehicle loan or lease

4 years ago I financed a car from XXXXXXXX XXXX XXXX I was never provided with the title the car was taking from me by XXXX XXXX in XXXX XXXX as far as I know the company got there car back but its still on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching the results from XXXX that all of the fraud items were deleted that are reporting on XXXX  and Equifax. I am asking that they follow suit. If they did the same process then the result should be the same for all 3 bureaus. This was the outcome after disputing and reporting identity theft along with the police report. 


File Number XXXX
Product: Debt collection

I been having problems with NAVIENT XXXX saying I still owe them after being approved and threaten to garnish my XXXX and XXXX Income and them giving me different names associated with NAVIENT attached is a release from and discharging my payments furthermore it has impacted my XXXX reporting agencies while working on repairing my credit I have gave them my permanent and total XXXX discharge and they have not honored it and NAVIENT still raising interest last year in XXXX they threatening to mess up my credit if I did n't pay and somehow got my number and address without my knowledge requesting new information on XXXX of XXXX, I send the approved XXXX letter I received and they are still not cooperating. The XXXX school I attended also mislead me and their no longer in business with no job
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX  XXXX INQUIRY : XX/XX/XXXX XXXX INQUIRY : XX/XX/XXXX XXXX INQUIRY : XX/XX/XXXX XXXX INQUIRY : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXXK XXXX INQUIRY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX BALANCE {$150.00} : XX/XX/XXXX XXXX XXXX XXXX INQUIRY XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  INQUIRY : XX/XX/XXXX XXXX XXXX XXXX  INQUIRY : XX/XX/XXXX XXXX INQUIRY : XX/XX/XXXX XXXX INQUIRY XXXX XX/XX/XXXX XXXX INQUIRY : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion should not be reporting that I am ( 90-120 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I noticed my identity was stolen from my Experian credit report, because I noticed it is unknown charges made to my account, which effected my XXXX XXXX XXXX XXXX credit report.
Product: Checking or savings account

My wife mailed a check for {$43.00} ( from our local post office ) to our local XXXX. Somewhere between the post office and the XXXX XXXX, it was intercepted buy a fraudster. The fraudster then took white-out and altered the check, wrote over the white-out making it payable to an individual for {$5000.00} ; the check was then cashed ( via mobile deposit ) by USAA on XX/XX/XXXX XXXX it was on our XX/XX/XXXX statement. The alterations were amateurish with at least 16 places on the check where you can see that the original writing had been altered. 
I discovered the problem and reported it to USAA on XX/XX/XXXX. The two USAA employees on the call agreed that it had obviously been altered and then cashed by USAA ; they explained that their fraud unit would investigate, call us in the next 3 days and reimburse the funds into our checking account. 
USAA did not call us ; on XX/XX/XXXX, I saw a message on my USAA log in that stated they denied your request to adjust your account. because I notified them at 73 days rather than 60 or less.

The back of the check says For USAA mobile deposit only so, that suggest a USAA account existed to receive the funds ; that USAA account was surely created with faked identification. USAA has refused to verify there was a USAA account the funds were transferred to and whether the XXXX is still in that account or if, and when, the cash was withdrawn. USAA cashed an obviously fraudulently altered check and transferred my funds to a surely falsified USAA account and they refused to tell me where the {$5000.00} went once they transferred it out of my account. USAA refuses to take any responsibility because of the 13 days over the 60 days and I have been a customer for 39 years!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was one of the 143 Million Americans whose personal data was compromised in the Equifax hack on X/XX/17. I did not opt into an Equifax service, they had my personal data as part of their credit reporting duties. They did not properly secure this highly sensitive data, including but not limited to my SSN, and as such I am now at risk. Their tools and services provided to me in recompense are not satisfactory. In fact, their company profits from offering my credit monitoring services. There has also been news of insider trading, that top executives sold their stock before the news broke to the public.
Product: Credit reporting or other personal consumer reports

All this information on my credit report is inaccurate I did a dispute with the bbb better business bureau and they deleted ALL MY COLLECTION ON XXXX, XXXX and Equifax this report showing its still there PLEASE DELETE THIS INACCURATE information THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to get my Equifax score or updated report online for almost a year. Whenever I try to log in I get an error message of code XXXX and I am instructed to call Equifax customer service to resolve this. i have tried multiple times to get this fixed and I'm told it is an internal problem and it will be fixed in 10 business days. that has happened multiple times. 
Other credit reporting agencies also can not get my updated score or history, so they are still reporting my old score from XX/XX/2022. I have had multiple credit applications denied because companies can not get accurate information from Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX XXXX opened XX/XX/XXXX closed XX/XX/XXXXXXXX XXXX
Product: Debt collection

My credit score was just hit by a collection agency XXXX sold this fake debt to. 
My account was transferred to XXXX XXXX XXXX with a {$0.00} balance. I made my last payment before I ported over my number. 
XXXX even confirmed this before my account was transferred. REMOVE THIS FROM MY CREDIT IMMEDIATELY. I DO NOT OWE YOU ANYTHING!! 
I have all of my receipts to prove it. Even showing I didnt owe anything. When I call XXXX they said I owed {$230.00} as my last bill, but when I speak to another representative they state it is paying off a promotion on a device.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these Inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXXate of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Checking or savings account

Chase advertised a {$900.00} sign up promotion for their checking and savings accounts requiring multiple steps including keeping a balance for 3 months and then waiting an additional 15 days to find out if you received the bonus. 

I followed all required steps after seeing the promotion advertised online, following that promotion link to the sign up page, and opening both checking and savings accounts as instructed. I think had my employer direct deposit sent to Chase as required, I funded my savings account with over {$15000.00} and kept that balance for 3 months. I then waited 2 weeks for the promotion and it never arrived. 

When I contacted customer service, I was told there was no promo attached to my application, even though I followed the hyperlink from the promotion page and promo code. Chase never confirmed the promo was active or not active, there was zero communication
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX auto leasing company is still consistently reporting a NON COLLECTABLE debt on my credit report. They have called me leaving me messages to call them to settle this debt. I have voluntarily surrendered the vehicle in good condition. Please remove this from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised, I noticed the credit bureaus that I had been a victim of identity theft. Per FCRA I asked them to block information from my report. Not only did they ignore my request, it seems as if the are evaluation of the FCRA and the FTC. I sent a statement ftc report and proof of identity. It was also names on my report I never went by Accounts XXXX XXXX {$380.00} XXXX XXXX {$810.00} XXXXXXXX XXXX {$1200.00} XXXX XXXX {$1600.00} Please see attached FTC report for additional information amounts account numbers and off please like this information from my report as it was right please block this information for my report as Ive sent in the proper identification if I dont hear back from you and this is not a block within four days I will make a complaint with the attorney generals office and seeking to get a legal counsel XXXX XXXX XXXX XXXX XXXX XXXX All of the following names are fraudulent and needs to be removed. 
Please see attached FTC report and proof of identity thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not had a credit card for 20 yrs with Capital One. The one I had then I filed bankruptcy on because of their collection practices and late fees and over the limit fees. I was granted that in XXXX. They claim I have opened an account on XX/XX/XXXX ( 2 yrs, 4 mos ago ). The balance showing on my credit report is {$390.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX ( XXXX ) XXXX. Original company CAPITAL ONE N A. I have called XXXX XXXX Seversal times. The last time the women said there were 2 pmts made. She said NO ONE COMMITS FRAUD AND MAKES PAYMENTS. Then she laughed. Today I got a letter in the mail giving me 30 days to dispute this letter. I am getting nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I submitted documents that showed grave inaccuracies in information being reporting on my credit file by Equifax, XXXX and XXXX. The only one of the above entities that I received a response was XXXX and it did address 3 of the unfair and unbeneficial items reported ; however there are many more items that I requested to be deleted due to major inaccuracies and surely this is not fair and equitable to me. This is a major infraction and violation as of the FCRA and I have given the above entities sufficient time to comply and it has not been done. I request that all of the inaccurate information BE DELETED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive recently received a letter about trying to qualify for a loan thru XXXX XXXX XXXX XXXX in witch Ive never heard of or applied for now my credit score and personal information was provided to them thru XXXX XXXX which Ive called and asked to be removed from and who they were and why they had access to my personal credit information without my knowledge
Product: Consumer Loan

Inaccurate information is being reported to XXXX and XXXX. My account was paid in full on XXXX/XXXX/2016. However, XXXX is reporting as of XXXX/XXXX/2016 my account Closed with a {$970.00} balance. XXXX is showing my account Open with a {$970.00}.
Product: Debt collection

XXXX apartments sent me a notice to vacate the apartment along with an eviction notice. On XX/XX/year> this case was brought before the XXXX XXXX XXXX courts where Judge XXXX dismissed the eviction and stated that I do not owe any debt to XXXX Apartments. I vacated the apartment per the agreement & with no damages to the property. XXXX apartment XXXX made up this collection & wrongfully sold it to XXXX XXXX system.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account/student loan has been on my credit report for more than 10 years and it still on there, how do I get it removed from all 3 credit company ( XXXX, XXXX and XXXX )
Product: Student loan

I have federal student loans with MOHELA. I had been placed in " in school deferment '' since I started a different program. However, I do not want to be in deferment on any of my loans. I stated this in writing to them on XX/XX/XXXX requesting to be removed from deferment indefinitely. They took me off, but then placed me back in deferment on XX/XX/XXXX. I had to request AGAIN to be removed indefinitely from deferment, which they did. However, I received a message today XX/XX/XXXX that my loans have been placed in deferment again. I have again submitted a written request to never be placed in deferment ever for any of my loans. I have followed their policies and procedures now three times to never be placed in deferment and yet they keep doing it. It needs to stop. They are not handling my loans or requests correctly, even to their own policies and procedures. They are placing undue stress and burden on me as a borrower. Please, I am begging you, their incompetence must be stopped. It is not fair for me to follow the rules, and yet they can flaunt them in the face of every borrower they service. I have done everything asked and requested, and they keep making mistakes. This significantly impacts my ability to complete 120 PSLF payments in a timely manner.
Product: Credit card

Unknown transactions were made and without investigation, I was accused and Account closed. Now it's on credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying my child support so Im not sure why its on my credit report as being a negative effect. Balance history shows I have been current only as of XX/XX/XXXX and nothing before that but I was XXXX in XXXX  from XX/XX/XXXX until XX/XX/XXXX and had 20 % taken out of my state paycheck every month to go to my child support but on my credit report it shows that I havent paid it at all. This debt is also from XXXX so Im sure this debt has exceeded its statue of limitations as well. Experian has kept me very well informed on what to do so all of my options have been used now im trying this before I have to proceed with my attorney. The child enforcement agency also shows me paying one month in XX/XX/XXXX and of course Im XXXX  at that time so theres no physical way I would of been able to pay that one time. The payments were supposed to be sent every month from the case managers in the prison and the child support office is refusing to report that I have always paid my child support without missing any months since XXXX. Thank you for the help
Product: Credit reporting or other personal consumer reports

XXXX ) acc-XXXX XXXX XXXX XXXXXXXX # XXXX XXXX ) acc-XXXX XXXX  # XXXX XXXX believe there may be inaccuracies in the reporting of this account. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of any information that I believe to be incorrect. Please provide me with the details of the investigation conducted to verify the accuracy of this account information. 

If the information can not be verified, I request that it be promptly removed from my credit report. Please send me written confirmation of the results of your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely,