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

I have gone back and forth with Navy Federal Credit Union regarding fraud from a XXXX XXXX XXXX ATM in XX/XX/2022. On XX/XX/XXXX, a XXXX XXXX ATM fraudulently withdrew {$240.00} from my account without giving me any of the cash. Their were people inside the bank pointing/laughing and refusing to assist me when I knocked on the door. I immediately notified Navy Federal Credit Union about this and they said they would investigate it. Despite advertising XXXX fraud liability on their checking account, 6 months later this has not been resolved.
Product: Checking or savings account

On XX/XX/2023 I opened an accelerate savings account with Citibank with the following promotion Thank you for choosing Citi for your banking needs, and congratulations on your enrollment in the Citi Accelerate Savings Leveled Bonus Offer. 
As a reminder, to receive a Cash Bonus : Deposit New-to-Citibank Funds into your new Citi Accelerate Savings Account within 20 days XXXX account opening. The balance on the XXXX calendar day after you open your account will determine your maximum Cash Bonus. * Maintain the required Minimum Balance in your eligible account ( XXXX ) every day for 60 days from the XXXX day after account opening. * Balance Levels* Maximum Bonus* {$20000.00} {$49000.00} {$150.00} {$50000.00} or more {$450.00} XXXX full details, including how to remain eligible for the offer, please see the offer Terms and Conditions. 
If you are eligible and fulfill the required activities, your Cash Bonus will be paid to your Savings Account within 30 days after you successfully complete all required activities. Your Savings Account and your Citi credit card account must remain open and in good standing from the time the Savings Account is opened until you receive your Cash Bonus. 



My account had {$30000.00} in the account by the end of the 21 days so I should I have received {$150.00} after 60 days. Citibank is saying that no promotion was attached to my account.
Product: Debt collection

Account name WAYPOINT RESOURCE GROUP Also known as WAYPOINT RESOURCE GROU Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$770.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$770.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1100.00} Highest balance - Terms 1 Months Collection as of 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 I have never had an account with XXXX. This was opened in fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX High balance of {$450.00} from XX/XX/XXXX toXXXX ; {$500.00} from XX/XX/XXXX XXXX ; {$520.00} from XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX High balance of {$1600.00} from XX/XX/XXXX XXXX, XXXX XXXX XXXX ( Balance {$370.00}, Balance {$1400.00}, Balance {$490.00}, Balance {$370.00} ), XXXX XXXX XXXX Balance {$1200.00}, XXXX XXXX & XXXX XXXX Balance {$160.00}, XXXX XXXX XXXX XXXX XXXX Balance {$82.00}, XXXX XXXX XXXX IN XXXX Balance {$390.00}, XXXX XXXX XXXX IN XXXX Balance {$160.00}, XXXX XXXX XXXX IN XXXX Balance {$160.00}, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$270.00}, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$160.00}, XXXX XXXX XXXX XXXX Balance {$1400.00}, 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, credit repair services, or other personal consumer reports

Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX XXXX XXXX {$660.00} XXXX XXXX XXXXXXXX {$1200.00}
Product: Debt collection

I received this letter that is attached from National Credit Systems after sending a request for them to validate the alleged debt to them. They claim that they did not receive sufficient information to validate my " dispute '' or more so my debt validation letter. I have provided both my name and my address which should be more than enough for them to locate any file of an alleged debt that they may have in their system. They also stated that they are a third party debt collection agency and their efforts are solely on behalf of the current creditor, who has previously validated the alleged debt. Pursuant to 15 USC 1692g once a consumer notifies a debt collector in writing that they are disputing the alleged debt the debt collector must cease the collection of the alleged debt and obtain verification which should then be mailed to the consumer within 30 days. National Credit Systems has failed to do so. Under 15 USC 1692 a debt collector is defined as ANY person who uses ANY instrumentality of interstate commerce or the mail in any business the principle purpose of which is the collection of any debts, or who regularly collects or attempts to collect. This means that the original creditor that National Credit Systems has claimed they are collecting on behalf of is also a debt collector. TWO DEBT COLLECTORS CAN NOT HOLD THE SAME DEBT, THAT IS AN ACT OF CONSTRUCTIVE FRAUD. So, my question is who owns this alleged debt? 

Being that National Credit Systems is the one who is actively trying to collect on this alleged debt clearly means that they were responsible for answering and providing the following : 1. Signed agreement debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector.

2. Was this debt assigned to a debt collector or purchased?

3. Amount that was paid if debt was purchased.

4. Date of original charge or delinquency Since they have failed to provide any of this information and they have clearly missed the 30 day mark that was granted to them for providing this information for this alleged date. As a consumer I am seeking the following remedies : 1. All references to this account be deleted and completely removed from my credit file.

2. A copy of such deletion request be mailed to me immediately
Product: Mortgage

I sent request for information, to Caliber Home Loan, and their lawyer XXXX and XXXX. I did not receive an acknowledgment of receipt as required by RESPA, furthermore they failed to respond within the required 30 days. I am attaching in .pdf format, A ) original request, B ) notice of 5 day RESPA violation, asking for explanation, C ) notice of 30 day failure to respond, in which, I ask for information requested be sent, without delay. 

I know for a fact Caliber received notice 's because they uploaded the original request in documentation as part of a response in complaint # XXXX to the CFPB, on XXXX/XXXX/16. 

Caliber Home Loans, continued arrogance, and blatant violation of rules, set forth by agencies of the US government are disturbing, troublesome, they should IMEDIATLY, brought to the attention of regulators, and appropriate action should be taken, at once. 
.pdf # XXXX # XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : XXXX. Name : My current legal name is XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX request that my name be updated to reflect the correct information. 

XXXX. Date of Birth : The date listed on my credit report, 1971, is listed incorrectly. I request that my Date of Birth, XX/XX/year>, be updated. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license and social displaying my correct name and Date Of Birth.
Product: Mortgage

Due to the COVID-19 pandemic I have experienced a significant loss of income. I own a small XXXX family home which I run as a short term XXXX  for the XXXX area. I've lost all my XXXX  for the next XXXX months - at a minimum. I have saved for an emergency but nobody has planned for something like this. 

I called Flagstar Bank - my mortgage services - and asked what I could possibly do to work out a deferment plan. They were adamant that there would be no deferment plans and only a forbearance was possible. I explained to them that I would not be able to make up that lost revenue and they told me in no circumstances would they work out a deferment plan for any of their borrowers. 

I have never missed a mortgage payment in 5 years and I work very hard on my credit score which is  currently at XXXX. I called as a faithful borrower who has done everything right and I was told that it was essentially too bad if I couldn't make a forbearance balloon payment at the end of this then they would proceed with foreclosure.
Product: Mortgage

In XX/XX/XXXX we refinanced the mortgage on our primary home in XXXX. Both the previous and new lenders were incidentally Chase bank. We paid for property taxes through an impound escrow account alongside the monthly mortgage. At the time of close, we were told to pay for the new impound account from closing and that we will be refunded the remaining escrow balance from the previous loan account ( ~ {$22000.00} ) by XX/XX/XXXX through check. 

When we didn't receive the escrow refund by XX/XX/XXXX, we followed up a couple of times, and suspecting the check was lost in mail, asked Chase to stop any check payments and instead do a direct deposit into our account. We were assured on XX/XX/XXXX that our request will be honored. 

Having not received any direct deposit, when we followed up in XXXX week of XX/XX/XXXX, we were told someone cashed a cheque for {$22000.00} on XX/XX/XXXX. Upon investigating we found out chase issued a check in the name of a complete stranger, living in a different city, who encashed the cheque for cash. 

It was obvious it was completely chase 's fault. However, when we reached out to Chase, we were advised by the claims department to file for a dispute and were assured we will get back the funds in XXXX days. On XX/XX/XXXX, we filed a declaration of unauthorized payment and they said they filed the complaint we should receive the funds in 90 days. We waited 90 days and without any result. When we followed up in XX/XX/XXXX, they let us know there was some information missing in the affidavit and asked us to refile. We did so. At this point we were informed we will get the money in 90 days from XX/XX/XXXX. 

We were being repeatedly harassed by one call agent vs another, and asked to follow up sometimes with claims and other times with Chase 's mortgage escalations team and no one seemed to be able to tell us where our money is gone. They kept on changing the claim date. 

They kept telling us that they are at the mercy of XXXX XXXX XXXX  - the bank from which the check was cashed to give them some information and every time we called the claim date changed and were told to wait 90 days from the claim date. 

Frustrated we reached out to XXXX XXXX XXXX XXXX XXXX and explained our problem. They tried to help by calling the chase executive office. We were reached out to from the chase executive office by a person named XXXX XXXX who finally said they filed the claim with XXXX XXXX XXXX  on XX/XX/XXXX again and that we should wait another 90 days again. She let us know there was a security breach in their system which caused this issue. It has been more than 90 days. Even after repeated follow ups they are telling us the same thing that XXXX XXXX XXXX is not responding and there is nothing they can do until they do. There is no definitive date they are promising to refund us the money. 

We have all the documentation and claim numbers. Attaching some documents below. 

There is zero fault of ours as we never received the check in our mail. The amount is non trivial and we are getting a lot of XXXX about getting it back. We sincerely hope you can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need a coy of my report because there are addresses and information that is not correct on my credit report. My name is XXXX XXXX XXXX. Please remove any other variations of my name. I had issues of my personal information being compromised.My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Please remove the following address they are not mines. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Credit reporting

On XX/XX/XXXX, I expressed interest in XX/XX/XXXX, XXXX ( XXXX ) that I found on XXXX, at a dealership named XXXX TN. I was instructed to go back to the website and apply with their lender, XXXX XXXX. I was pre- approved for {$39000.00}. ( XXXX ) I was emailed contact info from XXXX XXXX, though I eagerly anticipated purchasing this vehicle I stopped hearing from XXXX.On XXXX XXXX, I emailed XXXX XXXX ( XXXX ) and told him I was no longer interested in purchasing that vehicle or doing business with them. I asked that they properly discard my personal info and since I was pre approved, I should not be receiving a denial letter. I found a XXXX, at a dealership in XXXX AL, I was approved on XXXX XXXX by XXXX XXXX and took a XXXX bus on the XXXX XXXX, signed the documents and drove my truck back to Georgia.Though I 've been driving my truck for almost a month, as recent as today ( XXXX ), my credit is still taking hits ( XXXX ) by being denied financing for a vehicle I requested that I was no longer interested in.Despite being pre approved by their lender and approved by XXXX, My credit is still taking hits!
Product: Credit card or prepaid card

XXXX This is the complaints against American Express XXXX XXXX XXXX XXXX credit card. I closed my account and canceled the credit card on XXXX. I cleared all the debts and they agreed to close my account. 
Then I got payment reminder from XXXX in XXXX for some unpaid balance. I called them to inquire about it and they fixed the issue and confirmed they will close the account. It happened again in XXXX, XXXX, XXXX, XXXX, XXXX of XXXX. I had to call XXXX all these months and spent lot of time talking to Representatives. In XXXX XXXX it happened again, then I called and clearly told XXXX reps that I will file complaints and shall my lawyers include in this matter. They fixed the issue in XXXX over the phone and confirmed it will not happen again. I still receive an Emails and Mails regarding unsettled balance again from XXXX, XXXX, XXXX, XXXX and XXXX. Now I am receiving an Mail from XXXX XXXX XXXX to pay the debts which I do not own at all. Now my credit score is getting affected. who is responsible for this? 
It is very disturbing for me. how many times I should settle this issue with them? it is total harassment and mental stress to keep calling XXXX for same issue again and again. I do not have time for all of this every month and I already wasted enough time this year for same issue. It is very frustrating that they do not take critical steps for this kind of situation Attached one PDF regarding XXXX payment reminder recently.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> ; a ( XXXX actually but I got the chase one resolved ) hard inquiry showed up on my credit report for Capital One. I got ahold of the XXXX, Florida customer service XXXX. XXXX looked through all of my accounts and checked everything for me and said that they couldn't find anything out of the ordinary. They couldn't even find an application, yet the hard inquiry has been on my report for XXXX weeks now. The same day, I called again, the customer service rep told me to contact the reporting company and that they couldn't make an inquiry into their credit services without a formal request from XXXX of the reporting companies. I did not authorize any accounts to be made on my behalf and have not personally applied for an account since XXXX, XXXX. I tried to get ahold of XXXX but their website says to contact the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent a wire transfer in the amount of {$5000.00} from my XXXX account to my XXXX XXXX Business Checking account on XX/XX/XXXX, the XXXX is XXXX, Amex business checking was not able to process this wire on XX/XX/XXXX due to the wrong routing number input for some reason. Subsequently, they initiated a return/refund with XXXX XXXX. However, according to XXXX, they do not see the fund associated with the transfer. Ive been contacting both banks back and forth for multiple times to no avail. Please investigate the issue.
Product: Checking or savings account

On XX/XX/22, We deposited a physical check into a new JPMChase checking account via ATM at the Chase branch while working with a Chase officer. The check was for {$1500.00}. The officer saw the check show up in the account. This check was from our existing XXXX XXXX account. The check cleared on XX/XX/22. 
On XX/XX/22, Chase closed the account in error. 
The {$1500.00} disappeared from the account. We had 4 visits at the local Chase branch where they tried for several hours to find this money. 
Suddenly, on XX/XX/22, the money finally re-appeared in the Chase account. But what Chase did was RE-submit the original check to XXXX XXXX a second time and XXXX cashed it again on XX/XX/22! 
Now we are still out the {$1500.00}. XXXX says we have to deal with Chase and Chase says we have to deal with XXXX. And it was very shady of Chase to resubmit that check twice when THEY lost and couldnt find the money. THIS IS WRONG!
Product: Credit card

I made a XXXX XXXX refundable deposit back in XXXX with my American Express XXXX Due to numerous delays, I had decided to cancel my order on XXXX. Upon my cancellation, I noticed the refund never went back to my card. I made numerous attempts to reach out to American Express, they refused to help claiming the transaction is too old. The merchant claims they have issued a refund and won't help any further. I am now stuck and I am out {$100.00} I have attached my original transaction statement and cancellation confirmation for review. 

The merchant sent over some transaction ID claiming refund was issued on XXXX # XXXX
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Ive received repeated calls every weekday and on weekends throughout the day, from Midland Credit through different phone numbers. I have told them that I am in the process of disputing some of their claims, and they continue to call me every single day.
Product: Debt collection

WAYPOINT RESOURCE GROUP at XXXX XXXX XXXX XXXX XXXX, TX XXXX has been sending me collection notices in the about of {$77.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$590.00} Collector : XXXX XXXX XXXX Account No. XXXX and XXXX Balance : {$1600.00}, {$600.00} This is a formal complaint against the three national credit bureaus XXXX XXXX, and TransUnion. I have asked them to do a proper investigation and validation of the two accounts above.

For one, I have disputed XXXX XXXX XXXX with the credit bureaus since last year, for some reason none of the three reporting agencies could provide sufficient and legitimate proof of the documents I have requested as my reference in order to substantiate their claim. The date of last activity is still reporting inconsistently in all three bureaus, XXXX  is reporting XX/XX/XXXX, XXXX  is reporting XX/XX/XXXX, while TransUnion is reporting XX/XX/XXXX. How can this be when all of them should verify and validate this information from the same furnisher or source? 


The other collection account that is reported is the XXXX XXXX XXXX. I'm not understanding why there are two accounts with different balances. The dispute status of this account to my credit report is also reporting inconsistently in two credit bureaus. XXXX  shows " Account not disputed '' while XXXX  shows " Account disputed ''. There is only one source of information, which is the original creditor of this alleged account. It appears no creditor investigation was actually done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received an alert on my consumer report stating that I had a charged off account. This is an absolute error and is inaccurate. I paid this account off back in XXXX and now on XX/XX/XXXX you reported the account as charged off. For the past XXXX this account has been reporting as paid and closed. How is it that on XXXX XXXX its now charged off when I have had the title since XXXX????? There is no way that this account can reporting on time paid closed and charged off at the same time after 5years. This is false, misleading and inaccurate. 

I know Wells Fargo has been fined for deceptive practices from the lawsuit I read on CFPB website. 
Wells Fargos rinse-repeat cycle of violating the law has harmed millions of American families, said CFPB XXXX XXXX XXXX XXXX The CFPB is ordering Wells Fargo to refund billions of dollars to consumers across the country. This is an important initial step for accountability and long-term reform of this repeat offender. 

" Wells Fargo Unlawfully repossessed vehicles and bungled borrower accounts : Wells Fargo had systematic failures in its servicing of automobile loans that resulted in {$1.00} XXXX in harm across more than XXXX XXXX accounts. The bank incorrectly applied borrowers payments, improperly charged fees and interest, and wrongfully repossessed borrowers vehicles. In addition, the bank failed to ensure that borrowers received a refund for certain fees on add-on products when a loan ended early. "