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

In a number of ads that I saw, CIT Bank said, quite simply, that they would pay 2.45 % interest to anyone who opened up their " Savings Builder Account '' with an initial deposit of {$100.00} a month, and then continued to make a deposit of at least {$100.00} a month thereafter. 

Let me stress the word " MONTH '' ; nowhere in any of the ads that I've seen ( and I copied three different ones ) do they use the term " Evaluation Period. '' I made a deposit of {$100.00} on the following date : XX/XX/XXXX ( two separate deposits of {$100.00} each ) ; XX/XX/XXXX ; and XX/XX/XXXX. for a total of {$400.00} On XX/XX/XXXX, I made a deposit of {$75.00}, and on XX/XX/XXXX, I made a second deposit of {$2000.00} CIT bank claims that only {$75.00} was deposited to the account within the number of days that make up their " Evaluation period, '' and that the {$2000.00} payment THAT THEY RECEIVED DURING THE MONTH OF XX/XX/XXXX " doesn't count! '' Again. their ads -- clearly -- state " month '' ; not " Evaluation Period '' ( or any such nonsensical term ). 

Additionally, trying to " communicate '' with CIT is like pulling teeth! 

In the main. they respond to only one of the several ( or more ) issues/questions/requests that you have included in your message to them, and then just simply ignore making an effort to address the other issues that were raised ( or questions asked/requests made ). 

Additionally, while I see that their site says that it " MAY '' take up to four ( 4 ) days for an ACH transfer THAT THEY INITIATE to get credited to an account, they seem to believe that the word " MAY '' is a synonym for " ALWAYS WILL! '' I have made at least two separate requests for assistance on how I can cancel the recurring payments from my bank to this account, and the only instructions that were provided allowed me to cancel only ONE of the recurring payments ( the one that's scheduled for later this month ) ; nothing in the instructions received allowed me to cancel all of the remaining recurring payment ( two a month, through the month of XX/XX/2019 ). 

Even getting them to provide the state that granted them a charter was akin to pulling teeth. I'm left with the feeling that dealing with, say, XXXX would be easier. 

If CIT is going to say -- in at least three of their ads ( if not more ) that all a customer has to do is deposit {$100.00} a month in order to keep the advertised rate of 2.45 %, then they should not hide -- '' in the small print, '' so to speak -- that the {$100.00} payment has to be made in a single transaction ( and that two payments of {$75.00} a month -- for a monthly deposit that is 50 % higher ( {$150.00} ) than the minimum monthly deposit referred to over and over again " don't count as meeting the advertised requirement for " {$100.00} a month. '' In dealing with CIT, I get the feeling that I've run into the modern day version of that guy at the carnival of old who'd always show up with his folding table and those three walnut shells.
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. i have requested that they provide the purchase agreement to show full ownership of such account and also other documents so i may review to see if this is actually an account that belongs to me.
Product: Checking or savings account

My account was hacked and took 3 weeks to confirm and close. I received notice XX/XX/XXXX that my number on the account had changed. Then the email. Chime claimed they fixed multiple times but did not. After attempting to fix with the bank and sending over personal identification chime was unable to secure the account so I chose to close it. I closed once and they confirmed the amount and the address to match what I knew then to be. 3 days later I call to recertification the account closed and funds mailed only for them to say the account was suspended due to suspicious activity. I again sent person identification and confirmed myself and closed the account. Chime confirmed my address and stated the funds were mailed. Only for the mailed funds to be incorrect.
Product: Money transfer, virtual currency, or money service

This all happened in XXXX. I ordered a dress from an online seller and when I received the dress it was damaged. I went through Paypal and tried to get it resolved and provided so much evidence. They still let the seller take my money when I offered to return the dress. I have absolutely 0 need for a dress that was damaged. The reason they closed the case is because I didnt provide tracking information on Paypal . I dont use Paypal they couldve sent me an email asking about the tracking information but they didnt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am reporting a fraudulent inquiries found in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the complaint XXXX... I have new evidence of the bank statement from the lender confirming that the information Equifax is reporting on their website is incorrect and it should be {$2000.00}. This should be update within 10 days. Please see attcached bank statement from XXXX below.
Product: Student loan

Today I was addressed an issue as I was trying to purchase a vehicle at a dealership that I was delinquent in credit because of a student loan that is on my record. The student loan that I apparently owe money to has already been dealt with years ago in the past which I have already paid off my student loans for my XXXX. I got in contact with Navient and they informed me that they have no prior history of any payments towards the student loan that I have already paid on record. As Ive been doing my research I noticed that Navient has had Five lawsuits against them, which included that they have processed payments incorrectly and created obstacles to payment by providing bad and in accurate information.
Product: Credit reporting or other personal consumer reports

I sent in a police report and an FTC affidavit showing I was a victim of identity theft along with each fraudulent account, I also sent in a copy of my state id and social security card. The company didnt remove any of the accounts and also sent me a letter stating my info didnt match what was on file which is clearly false.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX Account Name : XXXX XXXX XXXX  Alleged Balance : XXXX Original Creditor : XXXX XXXX XXXX MD I have contacted Experian XXXX times regarding an account that does not belong to me that is being reported on my consumer report. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have sent Experian proof this item does not belong to me. They have failed to remove this item from my credit report. I have called Experian several times and sent XXXX different letters with the dates listed above. I have spoken with reps at Experian who advised me to send in the proof which I have done XXXX times since XX/XX/XXXX. They still have not removed this account from my credit report.
Product: Debt collection

I've gotten multiple calls in the last XXXX weeks from XXXX, which caller ID identifies as Frontline Asset Strategies, a debt collector. I do not have any outstanding debt and the caller is not leaving any kind of message to explain why they're calling. The number has started calling twice a day.
Product: Payday loan, title loan, or personal loan

I sent a check to NetCredit. I wrote out {$6000.00} but the numerical was for {$6900.00}. It was put in XXXX XXXX lockbox. It was deposited into XXXX XXXX and they discovered and corrected the error XX/XX/20. They put it in NetCredits account. NetCredit has XXXX XXXX. Before I knew this I continued to call NetCredit because the check had cleared. Around XX/XX/20 it was discovered that XXXX XXXX had gotten the check. NetCredit still wanted to be paid. They drafted my checking account in payments to equal the {$6000.00}. I have been provided proof by XXXX XXXX that they transferred the money to NetCredit on XX/XX/20. NetCredit will not answer my calls or emails. They continue to neither confirm or deny that I will be refunded. This has been going on since XXXX XXXX when I told them what XXXX XXXX was telling me. XXXX XXXX then provided me with proof of the transaction and I emailed that to NetCredit. Still nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
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 has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

On XX/XX/year> a fraudulent transaction happened on my Sofi Savings account. The company responsible for the fraud is XXXX XXXX XXXX. I've never done business with this company. I've never even heard of it until this fraudulent transaction took my savings account money from me. There was no authorization to do this. I've never allowed anyone to log into my account. I have 2-step verification enabled so they should never even have been able to log in to steal my money. I wish to have my money refunded and to press charges to the maximum extent of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting with XXXX for several years. The dates are extensive. But I do have documentation. During a divorce, there were legal quick deed papers filed in a court of law to remove any financial application or financial gain from a property located at XXXX XXXX XXXX, XXXX, NC XXXX. I have submitted my divorce papers, the legal quit deed papers filed in XXXX County, my new marriage certificate, my drivers license, my Social Security card everything they have asked. Multiple multiple times. I worked with Ditech, now NewRez Directly and they have indicated that there was fraudulent activity and have been unable to provide a single document with my proven signature on it. Because it doesnt exist. Over 20 years ago when my ex husband purchased this property, he was allowed to sign my name at XXXX  XXXX  XXXX. This is not my signature and he did not have my authorization. During our divorce in 2009, The lawyer additionally filed a quick deed alleviating me from any legal ties to this property. There were other properties as well but for some reason this is the only one that the credit company refuses to remove. I have jump through hoops and have submitted documents so many times that its exhausting. The company refuses to move my name unless my ex-husband refinances. And because he is unable to do that I am being held hostage. For 10 years. This is not my debt. I have submitted all the required paperwork to the company and to XXXX  on at least six different occasions throughout the last six years. Each time with the promise of resolving it and each time they deny it. It feels like Im being harassed and it feels like they are not following their own guidelines. Each time they send me a generic form letter saying that a divorce doesnt alleviate me and the property would need to be refinanced. I have explained repeatedly that I can not force a refinance on behalf of somebody else, and furthermore, the quick deed filed legally in a court of law in XXXX county is my reason for citing removal of this property. I was going to hire a lawyer but there is a timeframe that has been exceeded. I need to get this resolved. As I mentioned this is holding me hostage and tarnishing my credit. I am not even able to purchase another house, we had to put it in my husbands name only. And I have lost job offers and been denied credit because of this mistake. XXXX  is failing to do there job by not removing my name from this debt. This is not my debt. As I mentioned it I have proven it over and over and over. I am willing to provide all of the documentation of need but it is very extensive. Bottom line, I am being punished for a debt that is not mine, and I have provided legal documentation proving it. XXXX  continues to harass me and ignore me even though I have met with all the compliance requested. Due to the enormous amount of time that I have already spent I am unable to upload all the documents right now but I do have them and I am willing to provide them if needed. Even if that means in a court of law.
Product: Checking or savings account

Wells Fargo Closed Account Due to OverDraft Fees In Account, Closed Savings & Checking Accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial has been included in my bankruptcy case number XXXX out of the XXXX XXXX XXXX of Michigan. They are still reporting monthly that my account is delinquent when they should have just reported it as a part of the Chapter XXXX wage earner plan. Can we have this negative reporting stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX In XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX and XXXX Account # 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: Student loan

I am attending school part-time, greater than 6 credits a semester and have been in school as an adult learner for several years trying to earn my degrees. When payments went active, my in-school status was not correctly applied to my loan and I was thrown into a payment status. The clearinghouse information was sent through the school and I filed paperwork that verified my student status after already having to make payments to keep from defaulting. I recieved a reply that I did not qualify even though I should based on my school status. I was placed on a temporary deferment after filing multiple complaints with multiple agencies and I am now being put back into payment status. I am still in school and I am registered for 8 credit hours next semester. Aidvantage has been horrible in their responses and I am just getting run around. My complaint with the Department of Education has gone unanswered for months. I will be in school for several years due to only being able to maintain a part-time staus while I work full-time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, XXXX XXXX provided me with a copy of the lease and sale contract. None of the documentation provided shows anything about the current balance owed. 

On XX/XX/2022, I requested an investigation on the repossessed item challenging the amount that was reporting on my credit profile. According my credit profile I owe the amount of {$6000.00} but XXXX XXXX has failed to provide any proof and the investigation was requested over 30 days ago.
Product: Debt collection

I Signed up for a credit monitoring service ( XXXX ) and noticed accounts reporting to my credit that didn't belong to me. I thought maybe it was just an error with XXXX credit bureau but once I checked both XXXX and XXXX the same accounts were reporting with different amounts and dates. These accounts are also reporting through a third party collection agency. The collection agencies are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX0}
Product: Credit reporting, credit repair services, or other personal consumer reports

On more than 3 occasions I have requested that Experian verify the accuracy of the information that they were reporting for XXXX XXXX XXXX XXXX XXXX. They stated that the information was accurate. 

I asked them to re-investigate the accuracy of the information because it was not accurate. They stated that they would not re-investigate the information unless I had additional relevant information. 

It obvious to me that the furnisher of the data for this item is not doing a good job at providing accurate information to them. I should not have to clean up their mess This account was charged off and sold to a XXXX  XXXX XXXX XXXX collection agency. They claimed that they verified this account as accurate. They did not do a good job of verifying this information. I have attached a copy of a letter from XXXX XXXX XXXX XXXX referencing this account. 

Why does it have a balance after being sold to a collection agency? It should have a zero balance. 

This account is being illegally reported on my credit report after my repeated attempts to have you correct the data. Now I am demanding that you delete this account from my credit report.
Product: Vehicle loan or lease

I have filed numerous complaints attempting to resolve this matter and XXXX from Harley Davidson Finiancial Service is calling me telling me she does not care about what was written to the government-cfpb. Harley responded We mailed a letter to the customer, which is also attached to this response. We explained that the dealership the customer complains of is an unaffiliated third party, and we do not have control over that dealership over matters outside our loan agreement. The customer indicated he is working on a resolution with the dealership, and we encouraged him to continue in that effort. We explained that the transaction he describes between the customer and the dealership does not impact the customer 's loan agreement with HDFS. We again explained our duty to report credit accurately, and that we can not change information we believe is correctly reported. We provided our toll free customer service phone number, and invited the customer to contact us with any additional questions he may have. AND I DID EXACTLY THAT. I called got a payoff letter, then worked it out with the dealer. Only for XXXX to nothing will be done on the deal now since the dealer is paying off the bike and not me. This makes no sense when I made it very clear in my last complaint what I would be doing.
Product: Checking or savings account

USAA locked my bank account, moving forward with closing the account and not letting me open a new one. On XX/XX/2023 got an online job offer supposedly from a company call XXXX. On XX/XX/2023 interview was done through app XXXX by someone named XXXX XXXX. They offered XXXX equipment, where they FedEx a check for {$4500.00}, told me to be deposited and keep {$300.00} as signing bonus. I proceed to deposit the check. Later they stated that it was their fault and the IT seller need it more money, another check was provided for {$4900.00} and to keep {$200.00}. Later they sent me 2 FedEx tracking numbers which it was valid but later on on the FedEx site it was pending. They say in the meantime to work as a XXXX XXXX XXXX  by depositing multiple checks daily, the checks had a bank account from XXXX XXXX XXXX which is a legit construction company. The checks was instructed to utilize an specific ATM with access to a transfer system call XXXX that pulls the money from your bank account once the check is deposited. The total of the checks deposited was : {$17000.00}. Per USAA the checks bounced leaving my account in negative which I didn't get a chance to see and/or barely got an explanation USAA believing that I scam the bank. My bank account was wiped drained of close to {$2500.00}. USAA gave me no chance to dispute or explained what happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing to request that the items shown in my credit report be removed from my profile. These requests for information were not authorized by me.
Product: Credit reporting or other personal consumer reports

Delete all these hard inquiries that appear in my credit report and I don't recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX