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

I have a credit card with Citi Bank. In XXXX of XXXX, I received a postcard from Citi with an exclusive offer to cardmembers. It said I could earn a {XXXX} cash bonus if I opened a new High Yield checking account. I had to open a new Citi Elevate Interest Checking Account during the " Offer Period '' of XX/XX/XXXX to XX/XX/XXXX. The Checking account had to maintain a minimum balance of XXXX for 60 consecutive calendar days from the date the Minimum Deposit was met. If these requirements were met, the XXXX cash bonus was to be credited to the account within ninety calendar days from the date the required activities were met. 

I opened a Citi Elevate Interest Checking Account on XX/XX/XXXX. I deposited {XXXX} from a money market account at XXXX XXXX. The full amount of the initial deposit has remained there to this day. I never received my XXXX cash bonus. On or about XX/XX/XXXX I called to inquire why I had not received my cash bonus. I was told that I met the requirement of maintaining a {$5000.00} balance on XX/XX/XXXX. I was told that I definitely was entitled to the {XXXX}, but that Citi Bank had 90 days from XX/XX/XXXX to deposit the money. I was told by a person named XXXX, that the {XXXX} would be deposited into my account by the end of the day on XX/XX/XXXX. The money was never deposited. I called Citi again on XX/XX/XXXX. They could not give me any answers, but opened a " Service Request '', and the matter was supposed to be resolved within 5 business days XXXX XX/XX/XXXX ). I have heard nothing back from Citi, and they have not deposited the XXXX
Product: Credit reporting or other personal consumer reports

I submitted this complaint again to update this suspicious information. 3 Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit card or prepaid card

On XX/XX/2020 I changed my bank account from a local bank in my home state to Chase Bank. I had already had a Amazon credit card through them. On accident I made a couple of payments that was directed to my now closed banking account. After doing it twice I finally noticed what I had been doing and changed it to my new Chase Bank account. After a couple of days I am told that my Chase Amazon Credit Card was closed because of this mistake. I have been a loyal customer for nearly 8 years and have made all my payments on time and in an efficient matter. The fact that if I make a mistake and they close it is absurd. I would like to launch a formal complaint against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account with Chase Card showing that it was open on XX/XX/2011 with a balance of {$390.00} submitted several requesting the information be remove due to fraud
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several billing mistakes. The late payments contradict my regular payment history. Please correct these discrepancies and update my account. Thank you!
Product: Checking or savings account

On XX/XX/XXXX I had a deposit made by a cashier 's check into my Wells Fargo account of {$2000.00}. The teller entered the deposit wrong causing me to call and question it. Upon calling, I was told that there was a fraudulent check made out of my account. I had to open a fraudulent case on my account. I later found out that teller entered the cashier 's check wrong and it was not a fraudulent check out of my account nor was the cashiers check fraudulent. So, the person who answered the phone also read the transaction wrong and told me there was fraud on the account. I have been waiting to have access to my money since XX/XX/XXXX. Bank states that a copy of the cashier 's check has to be sent out to me first which I have not received. All of this could have been avoided if the teller would have entered the transaction correctly and if the person answering the phone would have had the proper training and identifying the cashier 's check numbers versus regular check numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and discovered this was on my report ... .I have never had this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS ON MY CREDIT REPORT, THESE ITEMS ARE NOT MINE AND I WANT THEM REMOVED FROM CREDIT REPORT, XXXX XXXX XXXX XXXX SAME ACCOUNT NUMBER ON BOTH ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I contacted the TransUnion Credit Bureau after I noticed a XXXX XXXX XXXX # XXXX credit card on my report. This credit card was opened on XX/XX/XXXX but only appeared on my TransUnion report on XX/XX/XXXX. I told them that this is NOT my credit card and that I never owned a XXXX credit card. They said they would investigate and sent me their investigation report of XX/XX/XXXX ( File Number : XXXX ) which stated that they verified as accurate that this was my credit card. 
I contacted XXXX on XX/XX/XXXX ( spoke to XXXX ) and they verified that this was not my credit card ... the mailing address, middle name, checking account # and date of birth was different from mine but my social security number was associated with that account. They told me it was a " automatic system issue '' problem and they would take care of it. I contacted XXXX on XX/XX/XXXX with no resolution in sight. This credit card still appears on my credit report.
Product: Student loan

On XX/XX/2021, at XXXX EDT, Nelnet contacted me by robocaller attempting to collect a debt. 

On XX/XX/2021, at XXXX EDT, I contacted Nelnet via their web form to tell them that I do not wish to be contacted by phone about the debt I owe them. 

On XX/XX/2021, at XXXX XXXX, I received another robocall from Nelnet attempting to collect the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for a company called EXTRA and their debit card program which said that it will help to build credit as we do transactions from their card. I created an account and signed up and sent in an application. First of all the application process took more than 3 months. After that the card never arrived. 
They said some documents had been pending and I will have to submit them through their application. Which I did. The documents then are in the review and its been more than a month the documents are in review. When I speak to the customer service they say that they did not receive the documents and ask me to submit. There is no place to submit the documents through the app and they insist. This way I have been going back and forth for more than 1 month now. Moreover all this time they are still debiting the fees from my account as it is automatically linked. 
It is a mess. I have asked them to cancel my card but that is also pending as they have to get the documents. The company says that there is a technical problem and their technical team is working to solve it. This is also going on for a week. I am so irritated. This company seems like a fraud. They clearly mentioned they will not charge any fees but they are charging. Please help me.
Product: Debt collection

On XXXX XXXX, 2018, I opened an account with XXXX XXXX XXXX  got a derogatory remark on my XXXX credit repot stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, authorize TRANSUNION LLC to move forward with this complaint. To my understanding of the law TRANSUNION LLC is violating my consumer rights. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), transactions between myself, the consumer, and the person making the report are supposed to be excluded from my consumer report. This would mean that it is illegal for TRANSUNION LLC to be reporting payment history as that would be a list of all transactions which should be EXCLUDED from a consumer report. Also, I can hold you civilly liable for {$1000.00} for each violation for willfully violating me pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ). In addition, 15 USC 1666b ( a ) states that a creditor can not treat a payment as late for any purpose. So now the question is outside of transaction history being reported illegally, how can it be reported that I was late on this account if the law states that I can not be late for any purpose. The account shows paid and closed so when was I allegedly late? The unlawful activity that you are participating in has caused me to be fearful of applying for lines of credit because I felt that I ran the risk of being denied.
Product: Credit card or prepaid card

The XXXX XXXX XXXXXXXX I sent a payment of almost {$1000.00} to Comenity Bank to pay off my credit card. When I check XXXX weeks later the payment still hadn't posted. I've been checking daily because it's such a large sum. It's still not posted though the funds have been removed from my account. The first time I called I was told they hadn't received my payment and I should make the payment by phone. I already sent a payment I'm not paying double. The last time I called, when I was speaking with the gentleman, he just hung up on me. Until Comenity Bank took over the XXXX credit cards there were no issues. Comenity Bank is a garbage institution I believe deliberately holds back payment so they can charge their customers a late fee.
Product: Student loan

Navient has been terrible about providing accurate and timely information. Neither myself or the cosigners are ever notified of status changes of the loans or payment changes, therefore late fees incur alongside other unnecessary fees. Customer service is often not helpful and provides varying information between the cosigners and myself when contacted. I honestly feel that I know nothing about my loan because of the lack of information provided. I don't get mail from Navient and seldom receive emails. I do not even receive confirmation when I call to address errors or issues. I feel that I am being taken advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$590.00} Balance {$590.00} Highest Balance {$590.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX Account 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

in XXXX the city of XXXX XXXXXXXX XXXX XXXX property which the buildings department did not maintain fell into my property damaging it. I informed the mortgage company and made a claim with the insurance company they obtained for my property for me. The insurance company did not honor the insurance policy for the claim against the City of XXXX XXXX and I took the City of XXXX XXXX to court. The city lost and were found guilty of trespassing onto my property. During that time the building inspector illegally tore my house down during litigation and destroyed the evidence. The insurance company did not honor that claim as well for malicious vandalism. The mortgage company knew I was in litigation with the XXXX of XXXX XXXX yet still submitted to credit reporting companies that I had late payments and put negative remarks on my credit report. I have asked repeatedly that they take those remarks and reports off my credit report but they have ignored me. They illegally foreclosed on the property taking me to court without notification of court date so I could come and have my judicial rights. Now that they foreclosed on the property it has been more than 60 days since judgement and they are still sending me mortgage payments and making negative reports against my credit. The foreclosure occurred in XXXX. I tried many ways to rectify this but keep getting blown off and ignored.
Product: Vehicle loan or lease

I trust this message finds you well. My purpose in writing to you today is to bring attention to a matter of significant concern regarding the contractual agreement associated with my recent vehicle purchase from XXXX XXXX, an affiliate dealership of Credit Acceptance. 

On XX/XX/XXXX, I entered into a financing arrangement for a XXXX XXXX XXXX, with XXXX miles on the odometer. While I understand that financing comes with associated costs, it has come to my attention that I may have fallen victim to what is commonly referred to as " payment packing. '' The disclosed cash price for the vehicle, an exorbitant {$11000.00}, raises serious questions about the transparency and fairness of the transaction. My independent research indicates that the market value of the XXXX XXXX XXXX, with similar mileage, is considerably lower than the amount I was charged. 

Upon inquiring about purchasing the vehicle outright with cash, I was informed that the cash price would be higher but not to the extent reflected in the contract. This lack of clarity and transparency is deeply troubling. 

The itemization in the amount financed on the contract further reveals inconsistencies. It shows that XXXX XXXX sold me the vehicle through Credit Acceptance for {$10000.00}, while the service contract or warranty indicates that the car was sold for {$10000.00}. This discrepancy in the recorded sale price contributes to a sense of confusion and reinforces concerns about the accuracy of the information provided.

These discrepancies, coupled with the apparent inflation of the vehicle 's cash price, align with concerns raised in the case filed by the New York Attorney General and the Consumer Financial Protection Bureau ( CFPB ) against Credit Acceptance. As a consumer, I believe these actions may be in violation of the Consumer Financial Protection Act ( CFPA ). 

According to 12 U.S.C. 5536 ( a ) of the CFPA, it is considered a violation for any covered person or service provider to engage in any unfair, deceptive, or abusive act or practice. I am reaching out with the hope that we can address and rectify these concerns promptly and amicably.

I kindly request a thorough review of the discrepancies mentioned and a transparent explanation of the pricing structure associated with my purchase. Additionally, I am open to discussions aimed at reaching a fair resolution that aligns with consumer protection laws.

Your prompt attention to this matter is highly appreciated, and I look forward to your timely response.
Product: Checking or savings account

On XX/XX/2023 my debit card was stolen while I was on vacation. They took my card and used it 8 times at a local XXXX. The total amount stolen from me was {$3900.00}. 
That same day I called my card company to tell them about these charges that werent mine. They said I had to wait for the charges to clear to make a claim. Eventually made the claim and was told it can take about a month for an answer. On XX/XX/2023, the fraud department sent me over 8 emails stating my claim has been approved and I would be receiving my funds in about 1-2 business days. 
Its XX/XX/2023, I have yet to receive my {$3900.00}. 
I have called over 30 times in the course of 8 months to ask about my funds. Ive spoken to several reps and supervisors and they have all told me the same exact thing. We will escalate this to our fraud department, and when we have an answer from them, we will give you a call Theres no direct number to their fraud department and apparently the only way to reach them is their email. 

Company is XXXX XXXX Ive also tried to reach XXXX but they said XXXX is a separate company from them and they can not see my account.
Product: Consumer Loan

I have XXXX issues with Springleaf Financial. First issue, I am not receiving statements from this company, they state that statements are a courtesy to the customer. They reported me 60 days late last month after I supposed did not make payments on the account. Which is ridiculous, why would I be late on a loan after building a relationship with this company for over 10 years? 

I believe the reason, that I am not getting statements is that the branch manager, XXXX XXXX, is discriminating against me is because I filed a complaint with the FTC this year, when her employees would not stop calling me at work. I have cell phone records and emails where I told her employees not to call me during my work hours. 

There was no reason that they could not call me on late evenings at Springleaf and tell me that my payment was due. I would also like to add that for the majority of this loan, I have paid additional on my monthly payments. On at least, XXXX they have misapplied my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to dispute a collection account with TransUnion Credit Bureau. The account is listed on my TransUnion credit report as XXXX XXXX XXXX - Account # XXXX. 

I've already filed a dispute withTransUnion asking them to verify the accuracy of the information on my credit report. TransUnion claimed to verify the information and stated that the account " meets FCRA requirements ''. ( see attachment ) Upon looking at my updated credit report, I can see that there are still many inaccuracies being reported even after their investigation, so the account clearly DOES NOT meet FCRA requirements. 

15 U.S.C. 1681 Section 604 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A, which states that a consumer reporting agency must have written consent to furnish an account on my credit report. 

Here are the specific INACCURACIES ( proof is attached ) : Date Of Last Activity TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Date Opened TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Balance Owed : TransUnion : {$320.00} XXXX : {$0.00} XXXX : {$320.00} There is no way this information is being reported accurately when it is different on every report. TransUnion is in violation of FCRA and is violating my consumer rights.
Product: Credit card

Hello, I Am Reaching Out To Bank of America to get this credit card problem I have resolved and took of my credit report soon as possible I've been trying to get in contact with you for the past XXXX month 's an no response.This bank of America credit card was opened XX/XX/XXXX an I have not had possession of the credit card for unfortunate reasons like me loosing the card and because i lost my wallet an it was never recovered and being a victim of identity theft because of the XXXX database breach in XXXX! 
I demand you all erase this debt off my credit report in XXXX business days because you all have it reporting as a charge off on my credit report, I Never received a XXXX documents saying the debt was canceled out so there these are my demands!
Product: Credit card or prepaid card

A complaint was filed with the CFPB XX/XX/2022, for unauthorized transaction that was made on my account. Citizens Bank responded to my complaint on XX/XX/2022, and in that response they informed me that " Per our research, the chip component of the debit card can not be duplicated ''. With this statement, Citizens Bank has not provided documentation from the third party card company that validates this as statement as truth, also-Citizens Bank has not provided physical evidence of the unauthorized transactions that is required under 15 USC 1693g ( a ) which is by a signature, photograph, fingerprint, electronical or mechanical confirmation that these transactions were in-fact authorized by me. It is the purden of proof for the financial institution to prove that the consumer infact authorized the transactions and the proof is provided by providing the referenced forms previous listed above, in which Citizens Bank has failed to do. My original complaint and concern has not be addressed or answered. CFPB please help assist in resolving this matter as soon as possible. Thanks.
Product: Vehicle loan or lease

A Cautionary Tale with XXXX : Inefficiency and Unresponsiveness at Its Peak My ordeal with XXXX, formerly known as Musa Financial among other names, has been nothing short of a nightmare. Right from the start, when I financed my car, the company exhibited a lack of professionalism and efficiency that I've unfortunately come to know all too well. 

Initially, they lost my purchase order from the dealership, setting a frustrating tone for what was to come. However, the situation significantly worsened about a year into my loan when they underwent a name change, not once, but twice, finally settling on XXXX. This was merely the beginning of an escalating series of operational failures. 

For the past five months, I have been desperately trying to contact them to exit my lease early, but to no avail. Their phone numbers have been disconnected, and my emails are met with deafening silence. Out of XXXX attempts to reach out, only one email received a response, and that was when I threatened to file a complaint. Despite their promise to return my call, I never heard back. 

The consequences of their unresponsiveness are not just frustrating ; they're financially burdensome. I've been paying for a car I haven't driven for over XXXX months since I moved out of California, and the vehicle remains there, unused. This situation underscores a profound lack of professionalism and customer care that should concern any current or prospective customer. 

XXXXXXXX XXXX inability to manage basic customer service tasks, combined with their operational inconsistency ( evidenced by multiple name changes ), paints a picture of a company that is anything but reliable. Their disregard for customer communication and resolution of issues has placed an unnecessary strain on me, both financially and emotionally. 

My experience has been one of frustration, financial loss, and utter disappointment. A company that fails to communicate with its customers, especially in the financial services sector, is not one that deserves your trust or business.