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

XXXX XXXX Senior Vice President, Consumer Complaint Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX XXXX Re : Data Breach on Account Number XXXX Citibank allowed my savings account to be breached on XX/XX/2019. ( as per attached document ) I am requesting a direct answer from Citibank as to why this data breach occurred? I have banked with Citibank for over ( 30 ) thirty years. I believe that a loyal customer like myself is entitled to complete disclosure as to why this happened? More importantly why it hasnt been resolved? Customer Service tells me that they will make a decisions within ( 10 ) ten days as to return the ( {$7000.00} ) XXXX XXXX XXXX XXXX dollars, without any explanation as to why it was allowed to be taken out in the first place? This was a simple fraudulently ACH transfer to XXXX  XXXX XXXX, Why wasnt XXXX  XXXX XXXX contacted immediately, to find out who and where this money was transferred too? This money should have been released immediately. 
I was requested by my bank representative ( XXXX XXXX ) XXXX XXXX Ca. Branch located @ XXXX XXXX XXXX XXXX. XXXX XXXX, Ca. to remove the majority of the money from this account, and to leave it opened, To open a new account, with a new account number later? Without any concern as to when the money would have been released back to my account. 
After reporting this I filed a police report with the XXXX XXXX Sheriff Department. They recommended me to contact all ( 3 ) Credit bureau 's and lock my accounts. In which I have done, however this required ( 3 ) three days of filling out forms, making phone calls, and several correspondence with these three bureau 's. Now the fourth day to contact Citibank via this letter. 
Im a senior citizen with several health problems, this has added to the stress in my life to the point that it is effecting my health. I havent eaten, or slept well since this occurrence. 
In addition it is near XXXX and the funds that the bank seems to have Lost were funds I expected to use during the holidays. 
This is totally unacceptable to me, I have contacted my attorney XXXX XXXX of XXXX and XXXX XXXX   firm, in XXXX XXXX, Ca. they are looking into this breach as well. 


Awaiting your Reply : XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had multiple transactions where money was taking out of my account without my authorization, even a company labeled XXXX that wasnt really XXXX was taking money from my account and ive never used XXXX some of my money was from payroll and I've also had tax returns sent there and on numerous occasions money was missing that wasn't done by me. I tried contacting someone about my issues but I was forced to have my situation put on hold because of not being able to reach out to customer service or a representative that works for the company seeing I was told they were the only ones to resolve my issues
Product: Vehicle loan or lease

Exter Finance have reported inaccurate balances to my credit report causing adverse effects to my credit report
Product: Mortgage

I have had complaint w/this company last year they overcharged on escrow fee 's which i had to issue a complaint and it was resolved where they had to retract the $ $ they were trying to charge me. I tried to refinance w/another lender but couldn't do it due to not saving enough $ $ this company purchased my home mortgage last year. This year my payment has gone up XXXX they are trying to charge me a anticipated amount with a required amount for escrow of {$1100.00}. I am not willing to pay these charges they are committing FRAUD on the comsumer and need to be shut down. They have serveral complaints against them for same issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the process of getting a mortgage with XXXX XXXX. They could not get a credit report from Equifax. Equifax said my name was incorrect in their system which is not true. They said they fixed it and to have the bank call the business area. When they did they were told my address was incorrect. They still dont have a report. Also my XXXX XXXX score in the circle has remained at XXXX but the graph is XXXX which is correct. Also all my accounts are not showing. I have been asking this to be corrected since before XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had been hacked and I, being a customer who was trying to avoid my identity from being stolen, had my information stolen.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transaction were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with the recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initial having adequate funds. I believe these practices are deceptive and unfair.
Product: Debt collection

This debt is for XXXX XXXX XXXX, which was sued by the Consumer Financial Protection Bureau, File No. XXXX. They were ordered to return the money to the people that they had scammed. I received a Check From such litigation. However, a company, XXXX and XXXX, took over the debt and reported it to the credit bureau as a collection account. Even though XXXX was ordered to return our money and let us keep the products. I don't understand how this debt is on my major credit bureau. I want it removed.
Product: Mortgage

Chase XXXX XXXX XXXX XXXX XXXX AZ XXXX Account number XXXX Re : Private Mortgage Insurance I am writing this letter to demand cancellation of Private Mortgage Insurance. My loan was first effective in or around XXXX of XXXX. Since then, there have been some hardships but was in good standing as of XX/XX/XXXX. The loan at that time was at least 20 % or less in equity. I believe the private mortgage insurance should have been removed at that time. Since then I did fall under unforeseen hardships and had to request a loan modification. My payment history was current for more than 12 months therefore, private mortgage insurance should have been cancelled. You had 78 % equity at that time and did not remove the PMI. There was another unforeseen hardship that lead to past due history sometime around XXXX. I have once again placed the loan in good standing with no late payments. In XXXX the property was more than 78 % equity and should have been removed. You didn't do that and I feel my rights under the Federal Homeowners Protection Act ( HPA ) was violated. Im requesting that the Private mortgage insurance be removed as of XX/XX/XXXX. I should be entitled to a refund for 6 or 7 years. Im citing the rules below for my rights. The percentage now is at least 40 %. 

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

In accordance with the Fair Credit Reporting act XXXX Account # as listed below, has violated my rights. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

Capital One cancelled debt on a credit card and sent the IRS the XXXX but neglected to forward XXXX to me. My first notice is now from the IRS stating that an amount was not reported on my tax return.
Product: Debt collection

Rushmore under an assignment received a defaulted loan secured by the property located at XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, New York XXXX. I was sent a foreclosure notice dated XX/XX/XXXX under index number XXXX. The owner XXXX XXXX was murdered on XX/XX/XXXX, and we are now approaching two years and four months in which the debt collection company Rushmore has refused to accept my XXXX XXXX rental payments which now total XXXX which leave roughly XXXX left of the outstanding debt. What concerns me is that Rushmore is acting as a debt collector in name only, because for two years and 6 months no foreclosure documents can be found in the XXXX Supreme Court. I fear that Rushmore is attempting to use its name to prevent the property from complying with state law under NY Public Auth Law 2429 and NYC Administraive Code 11-243. They're a conduit used to shield property required to be listed as rent stabilized. They keep writing me stating they can't discuss the loan, but I need repairs. How long can they keep acting like a debt collector ; who doesn't collect the rental income?
Product: Vehicle loan or lease

I purchased a car from XXXX XXXX through Santander. OMG My Worst nightmare. After only a few days this car broke down. I called XXXX XXXX 's salesman that sold me the car and he was beyond RUDE. Ignored my calls, told me i had to get the car towed etc. My insurance would n't tow it to XXXX XXXX and i had spent all my money trying to fix this vehicle now i KNOW i was still in the time frame to return this vehicle. That was my plans but this company refused to give me any help. This car has been broke 2 weeks after i purchased it. It was a lemon. Now i know I 'm still liable for this debt but I 've tried to return this broken vehicle. Why should i have to pay on a car that i only used 2 weeks. On top of that Santander is flagging my account with late payments after refusing to help me. I have been struggling to get to work, school and my son 's extra curricular activities. I spend ALL my money on GAS money while this broke LEMON sits in my yard!!!!!
Product: Checking or savings account

On or about XX/XX/2011 Wells Fargo XXXX XXXX in XXXX, California paid forged, Fraudulent checks equal to the sum of {$460000.00} to total strangers from an elder account holder. 
Furthermore, Wells Fargo has acknowledged and produced a document with instructions to contact the account owner in the event any checks were presented for payment above the average amount. 

Here are the forged check amounts signed by strangers, approved & paid by Wells Fargo Bank : {$96000.00} {$94000.00} {$88000.00} {$93000.00} {$91000.00} Account owner has spent $ XXXX in legal fees in efforts of recovering damages with no success. 
We feel Wells Fargo should be held responsible for damages since fraud was committed by one of its employees according to a signed statement dated XX/XX/2011 signed by XXXX XXXX, CFE Vice President and Investigator of Wells Fargo Bank For inquiries please contact : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am getting the dates now from Navient. I made a rather large payment of over 2,000 dollars one year and it was never applied to the principal after I was told it was and my loan is not going down it is going up even if I pay more than the amount due. I have asked for help with Navient to give me the proper amount to pay, so I am not paying it until I die.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection on my report that isnt mine. The collection agency is XXXX XXXX. The original creditor is XXXX XXXX XXXX XXXX Ive never done business with this company before and Id like it removed off my report.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX instead of honoring there buyers credit warrenty they choose to lock me out of my account that was disputed and then XXXX  started taking XXXX a month with out my connsent on a debt older than XXXX XXXX XXXX in MN. They breached the contract when XXXX out of XXXX orders from XXXX never arrived in the XXXX. They had me wait so long the 2 months was up to dispute. Now XXXX is lying to the credit reporting companys and it is XXXX XXXX. All 3 major reporting companys and I have reported them 2 or 3 times to each one.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the outcome of my recent dispute regarding unauthorized hard inquiries on my credit report. Despite providing supporting documentation, including an FTC Report, I have yet to receive a satisfactory resolution from your agency.
Product: Debt collection

I have requested for the company to validate the with a copy of the original agreement bearing my signature. All I receive is copy of bill with a name that is not mine correct name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection company claims to have submitted for removal of account. Then XXXX has it back in the file and neither XXXX or collection company will attempt to remove it again .... 

Account is more than 7 years since last payment. The collection company has used the open date of collection or charge of date as last payment date. 

See attached most recent XXXX report. 

Also attached are copies of my XXXX report showing it was removed as originally agreed/proved it was more than 7 years since last actual payment. Not opening of collection account etc.
Product: Student loan

I enrolled at XXXX XXXX XXXX in XXXX, VA in XX/XX/2009. I was recently widowed and had a young child to take care of. I spent 5 hours at the campus getting all of the information I needed to make an informed decision. I was promised by the recruiter and the Department Chair of the XXXX XXXX program that the school was accredited, and I found out after graduation that it wasn't. There was a fake accreditation certificate hanging on the wall at the front reception desk. I was promised job placement assistance. I did not ever receive any. I was lied to about the cost of the program. I was told that because of my age, XXXX at the time, and being a widow, that I qualified for scholarships and grants that would pay for almost 100 % of my costs, and the financial aid department was taking care of everything. They never applied for any assistance for me. These are just a few examples of the fraud they committed when enrolling me. My " degree '' is worthless. The school was closed for fraud and I do not feel that I should be held responsible for the debt. I was lied to for four years and now I owe a massive debt that is ruining my life. I feel that the school needs to prove that I benefited from attending, and they fulfilled all of their promises and or the debt should be forgiven. No other company or business is allowed to collect on a debt that was entered into based on fraud.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ) .I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. 

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX XXXX that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial is reporting a 30 day late payment for XX/XX/2018. I mailed this payment within the allowed payment period but, apparently, Ally Financial never received it. I never received notification of the late payment directly from Ally Financial, however, my credit monitoring service did send me an alert that a 30 day late had been reported to this account. I immediately confirmed with my bank that Ally had never cashed the check and contacted Ally Financial. They informed me that they had not received the payment, so I immediately ( while on the phone with them ) submitted the payment online. The agent I spoke with agreed that, given the circumstances, they would reverse the 30 day late and contact the credit reporting agencies to remove the late payment and correct the payment status. They also stated that they would send me a letter confirming their agreement to remove the 30 day late from my credit reports, however, I have never received this letter. I have contacted Ally Financial at least 6 times by phone concerning this matter. Each time, they verbally confirmed that they would remove the 30 day late but gave me conflicting information as to whether they had already contacted the reporting agencies. Again, I have yet the receive the letter they have promised multiple times.
Product: Debt collection

Franklin Collection Serv ices did not properly notify me of a debt for a few months. When I heard from them in  XXXX  I called them. They gave me the address to dispute the bill. They did not allow me to dispute the bill and send it to my credit report. They say they wo n't take this off my credit report even though this is not a valid debt of just {$29.00}.
Product: Debt collection

I believe someone at XXXX XXXX XXXX XXXX used my name to open accounts for other people. I have an open XXXX account that has been opened in 2018 at that time I was told that I had thousands of dollars in collections that I owed? When I looked at the phone number that XXXX had on " my '' current account profile that they linked to the account that was owed thousands in collections ... 
I realized that the PHONE NUMBER *which anyone needs to open a utility account Is NOT Mine, nor has it ever been. I believe it is the key to proving that these old XXXX XXXX debts?? now being represented by Jefferson Capital Systems/XXXX XXXX XXXX Are bogus. Further I honestly believe that this was in fraud happened within XXXX as when I was a reported at the XXXX XXXX affiliate, there were several calls that came into the consumer office complaining of customers information beings used by XXXX employees to open bogus accounts for friends and relatives or ( street customers ) for those dishonest XXXX employees. I think this is what has happened in my case since I have had no other " identity theft '' issues outside of this Bogus XXXX account/debts. Please see the attached pic of the phone number on my XXXX Profile, it is not, nor has it ever been mine. Also review the company XXXX trying to get me to " settle '' this bogus debt.
Product: Debt collection

Mortgage is due on the first of the month and has an late date of XXXX of the month. Bank Chase Mortgage will start calling after the XXXX of the month and sometimes up to 3 times daily. My mortgage is current and never late but it 's annoying when a bank like Chase is allowed to call and ask where your payment is when it 's not even late yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Portfolio is reporting this account on my credit report to XXXX and XXXX XXXX is reporting the date of last activity as XX/XX/XXXX XXXX is reporting XX/XX/XXXX Fcra 605 c running of the period states that companies are not allowed to re-age the date of last activity on the account in order to keep the account reporting Further there is only one furnisher yet the information is reporting vastly different This is an inconsistent reporting the fcra requires maximum possible accurxcy Because this account is listed as a a charge off they must adhere to fcra guidelines I haven't sent several letters to both the credit bureaus and portfolio directly All proof is attached below
Product: Credit reporting or other personal consumer reports

These are fraudulent accounts on my consumer report, I have no knowledge of these accounts with XXXX XXXX
Product: Credit card

On XX/XX/year>, I received an email from Westlake Financial with a credit card offer that stated : " Youre Pre-Approved for the Westlake Black Visa Credit Card. '' The email explicitly outlined a pre-approved credit limit of {$8000.00}. It also included the following disclaimer : " Westlake Black Visa Credit Card is issued by XXXXXXXX XXXX XXXX pursuant to a license from XXXX XXXX XXXX XXXX. This Pre-Approved offer is made by XXXXXXXX XXXX XXXX. and provided by Wilshire Commercial Capital , LLC to customers of XXXX XXXX who meet certain pre-established credit eligibility criteria determined by XXXX XXXX. Wilshire Commercial Capital is not a bank. This offer expires on XXXX. '' Based on this offer, I reconsidered my credit card options and chose to accept this pre-approval. Following my acceptance, I received an email stating : " Congratulations, your Westlake Black Visa Credit Card has been issued. Please keep an eye out as you should receive it in the mail shortly. '' Additionally, my Westlake Financial account reflected the {$8000.00} credit limit as of XX/XX/year>. 

It took 12 days for me to receive the physical card, which I activated on XX/XX/year>. I did not use or activate the online card before receiving the physical versioneven though I received multiple emails stating to activate my card during this waiting period. However, on XX/XX/XXXX, 202415 days after the account was opened and just 3 days after receiving the physical card and activationI received an email indicating that a system error had occurred. This email stated : " A system error caused an erroneous credit limit to be communicated in an offer email and during the preapproval acceptance process to a group of potential cardholders. The credit limit shown to you in your offer email and during the preapproval acceptance process did not accurately reflect the credit limit issued to you. '' The email further informed me that my actual credit limit is only {$1000.00}, a drastic and unacceptable reduction from the {$8000.00} promised in the original offer.

This constitutes blatant false advertising, bait-and-switch tactics, and a breach of trust. I would never have accepted a Westlake card had I known the credit limit would be just {$1000.00}. This is not a minor discrepancy of {$100.00} or $ XXXX is a {$7000.00} difference, which is egregious and unacceptable.