23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent multiple letters to Transunion regarding 3 accounts. 

XXXX. XXXX XXXX XXXX # XXXX I was never late on this account and I asked for proof that i was late. I never received a five day notice. I also asked for proof. I could receive this by seeing their records. ( bank statements ) 2. XXXX  # XXXX Transunion, XXXX, and XXXX have different reportings. Transunion is the only one reporting this item. I asked them to validate this and was sent a stall letter saying they already investigated it. 

3. XXXX  # XXXX The same with this account. Its affecting my ability to get credit. You cant verify something that is not reporting to other credit reporting agencies and you cant parrot information.
Product: Credit card or prepaid card

I was notified on XX/XX/18 via credit monitoring service about a fraudulent inquiry appearing on my credit for Barclays Bank. I immediately called to advise them the inquiry was fraudulent and was advised their systems were down and that I would need to call back. I was alerted on XX/XX/18 that an account was established with Barclays Bank with XXXX XXXX. I advised it was fraudulent and the representative advised that only one declined  transaction was attempted and that the account would be closed right away. I also submitted a dispute with the credit bureaus and received a response that Barclays determined the account was mine and it now had a balance of nearly {$4000.00}. The account was opened with a fraudulent address in XXXX, AZ and with a fraudulent phone number. I have never lived anywhere other than TX.
Product: Money transfer, virtual currency, or money service

Dear Sirs, I am in dispute with Citibank of New York regarding repeated excess correspondent bank charges on XXXX transfers between XXXX XXXX  XXXX of XXXX ( XXXX  ), and XXXX  XXXX XXXX XXXX ( XXXX  ). Both XXXX  and XXXX  have been cooperative, but the path to resolution has been halted by Citibank which now refuses to respond. 

In summary : a ) Citibank applies an extra charge of USDXXXX  ( on top of its usual USDXXXX corresponding bank charge ) which it claims is a handling fee on behalf of XXXX. 
b ) XXXX  denies that it receives reimbursement of any such fee from Citibank, and it charges me a further XXXX ( approx USDXXXX XXXX handling fee. 
c ) The overall charge is therefore ( approx ) USDXXXX. 
d ) Since Citibank deducts the USDXXXX, it could readily confirm the identity of the beneficiary to progress the matter. It adamantly refuses to do so, despite repeated requests. 
e ) Citibank 's unsigned letter of XXXX XX/XX/XXXX ( again refusing to identify the beneficiary ) concluded with the statement : " Please be advised that we consider this matter closed and that this will be our final response. '' f ) My subsequent email dated XXXX XX/XX/XXXX was ignored. 

The affected transfers were made on XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX and XXXX XX/XX/XXXX. 

On XXXX XX/XX/XXXX I received confirmation from XXXX  that it does NOT receive any share of the USDXXXX charged on its behalf by Citibank. 

On XXXX XX/XX/XXXX, I received confirmation from XXXX  that its corresponding bank fee agreed with Citibank was only USDXXXX, not USDXXXX 

On XXXX XX/XX/XXXX, I sent a detailed letter to Citibank to which was attached a SWIFT XXXX illustrating the charges on the latest transfer and copies of the above correspondence. I informed them that I believed the USD15 charges were erroneous. 

In its reply dated XXXX XX/XX/XXXX ( Ref : XXXX ), Citibank averred that its total charge of USDXXXX was valid, as follows : - " A {$16.00} fee was charged based on special instructions set up by the debit party, XXXX XXXX  XXXX of XXXX '' [ confirmed by XXXX  ] - " A {$15.00} fee was charged based on special instructions set up by the credit party, XXXX  XXXX XXXX '' [ receipt of which is denied by XXXX  ] To clarify the ambiguity in the above, I requested Citibank to answer this simple question : " Which bank is the beneficiary of the excess USD15 which I am repeatedly charged? Is it Citibank, XXXX  XXXX XXXX, or a third party? '' This question was repeated in my emails of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XX/XX/XXXX. 

Citibank 's reply dated XXXX XX/XX/XXXX ( Ref  : XXXX ), ignored the question completely. On XXXX XX/XX/XXXX, Citibank terminated our correspondence. 

From my transfer experiences over almost a decade, I suspect that many customers have been overcharged in this way. I suspect that Citibank is pocketing the excess charge, particularly since it refuses to respond to my simple question. Please investigate.
Product: Credit reporting or other personal consumer reports

I guess is been happening for years now, I received my XXXX report yesterday and it showing that credit karma check my credit XX/XX/XXXXXXXX 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 was trying to speak to a person and keep asking me to sing in, I want to avoid that, but the only available way of communications was chat, the individual also told me that in order to help me I needed to updated my email, I felt I was trick to do so than he left the chat avoiding prevating me with the written concent prequalification they said they have. 
I would like for this to stop, the person never said that he was going to cancel just left the chat. I don't know what to do. 

respecfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX XXXX XXXX XXXX which is in collections by XXXX XXXX XXXX XXXX XXXX. I have dispute incorrect payment history as well as incorrect balances with all three major credit bureaus ( XXXX, XXXX, and Transunion ). All of them have failed to update any information correctly which is against my rights as a consumer. This incorrect information is effecting my credit negatively. I have spoken to the creditor who has sent me a letter that is attached with current balance. I have paid for XXXX and XXXX on time, which is reported as more than 180 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am here by putting you in notice of the obvious violations opportunity fund has done to my person : 18 U.S.C 1028 No consent to share my information at all 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 18 U.S. Code 894 - Collection of extensions of credit by extortionate means 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681b - Permissible purposes of consumer reports I am giving you 5 business days to take care of my requests or I will sue you in federal court for for the above referenced violations along with : 15 USC 1681 ( a ) 2 12 cfr 226.11 15 USC 1681 ( B ) permissible purposes Total of 8,000 in violations.

I will sue you in civil court if you dont comply its the law
Product: Vehicle loan or lease

I was given XXXX orders overseas and I was 2 car payments behind due to some medical bills. I did inform the finance company ( South East Toyota Finance ) why i was two payments behind but They understood and gave me time to try to catch up. I was then given XXXX orders and I used the SCRA to try to return the vehicle two weeks before I left in XXXX of 2019. I called the finance company and they said fax them the letter. I faxed them the letter. I called back the next day and they told me the letter needs to state where I was being XXXX too. Which we trained to not talk about movement in the military. Next I got the letter change by my administration office. They accepted the letter the day I left on XXXX so my wife was give a power of attorney to return the vehicle. Upon return she was given a piece of paper of them accepting the return. Currently XXXX I look at my credit report and it shows a repossession of the vehicle. From my understanding a repossession takes a court order with an active duty military member. Im no lawyer though. I was given a very difficult time through the process.
Product: Debt collection

I can not even begin to describe my nightmare experience with this company. After repeated attempts to validate my debt and merely ask questions about the amount ( for example, my card had a $ XXXX limit ; why do I owe more than {$5600.00}? ), I have never received anything from them detailing this information. 
When this suit was initially filed, I was working with a Debt Consolidation company ( XXXX XXXX XXXX  ) and was represented by XXXX XXXXXXXX XXXX who responded on my behalf ( In fact, I contacted XXXX several times and was told they could NOT speak with me ). I have emails from XXXX XXXX detailing their negotiations with XXXX ; I emailed them detailed information about my situation, why the account went behind, inability to pay, etc. yet when I had to go to court for this upon being SUED, they LIED and said they NEVER heard from me- a bold lie ; in court! 
To make matters worse, I lost my job the same month I was served with this " lawsuit '', which is a tragic waste of taxpayer time, dollars, and has taken a significant toll on my health. 
Now, after becoming re-employed and getting one singular check, I called XXXX ready to pay and make this go away- EVEN THOUGH they have still not validated the debt per my request. I even made two small payments in good faith to them, when I had NO INCOME. I spent hours speaking with the settlement team only to be lied to, manipulated and refused. Each rep had a different " policy '', " lowest amount '' etc. they could offer. Just more continuous lies and deceitful practices. One rep abruptly said " why didn't get get a job and pay this? '' I informed her that I did and am also a XXXX XXXX XXXX XXXX raising XXXX children, she said " yeah nobody wants to flip burgers at XXXX XXXX XXXX but there are lots of things out there to do '' and finally, " couldn't you take a semester off and get a job to pay for this? '' Oh and like many others have reported, they urged me to get a loan, or ask family and friends for money, and that my credit will be ruined from the judgement. Thankfully, their calls are monitored and recorded according to an associate attorney, and will hopefully be made available as I believe they are in numerous violations of consumer protection policies. 
The worst part is I have made it explicitly clear from DAY ONE that I want to settle this. Why do they take people in vulnerable situations, shame them, drag them through court and so on? Just for the hope of getting more money? 
It's sickening. As hard as this year has been for me and so many others, my heart breaks for these people who would be so unethical in their pursuit.
Product: Credit card

I'm very new to US and arrived in US for work at the end of year XXXX. I applied a discover credit card when I get my SSN to start to build credit history with the country. Everything went smoothly at the very beginning- I got my credit card approved and start to consume with the card. 

I used the card mainly to purhase in grocery stores and rent a car before I purchased my own car. I paied the bills on time with no overdue happened. 

On XX/XX/XXXX, I notice my card was closed in a sudden with no notification. I called Discover to understand the closure reason. They said they were not able to provide the reason on the call but has sent out a notification in mail which should be expected to arrive within 7-10 business days. 

On XXXX XXXX, I called discover again since I still didn't receive the notification. I was redirectly to 5-6 account managers. At the beginning, they told me that the notification has been sent out and they have no idea on why I hav n't received yet. With 5-6 rounds of redirection, they finally re-directed me to the right person and I was told that the notification hasn't been sent out yet. They also told me they had no idea on when the notification will be sent out. 

I want to file the complaint because : 1. I used the credit card correctly and there's no reason that they can close my account. 
2. They promised me to send out the notification but I still haven't received yet.
Product: Credit reporting or other personal consumer reports

Im reaching out because I discovered inquiries from your company on my credit report that I never approved.
Product: Mortgage

Me and my wife applied for a HARP refinance with  Quicken  Loans on  XXXX / XXXX /  XXXX  . Our application was denied due to our  credit score o f  XXXX . As stated on the     XXXX   website " Through HARP, you can get a lower interest rate ( which means less out-of-pocket costs each month ), get a shorter loan term, or change from an adjustable to fixed-rate mortgage. There 's no minimum  credit score needed, either . ". see below 's chat transcript. This is an email of the transcript I got directly from QUICKEN LOANS stating that they do infact " accept HARP refinances ''. I should have been approved for the next step, instead i was flat denied.   General Info Chat start time   XXXX   XXXX   XXXX      XXXX   XXXX    E ST Ch at end time   XXXX   XXXX   XXXX      XXXX   XXXX   E ST Duration ( actual chatting time )   XXXX    Op erator  XXXX   XXXX  Chat Transcript info : A team member will be with you shortly.   info : For your security, if you would like to close the chat session please click the " X '' button on the top right of the chat window.     You are now chatting with  XXXX   XXXX .   info : info : Please wait while your chat is transferred to  XXXX   XXXX .   info : All team members are currently assisting other clients. Please hold for a brief moment. Thank you for your patience.   info : The chat transcript will be sent to :  XXXX  XXXX  XXXX  at the end of your chat.   info : For your security, if you would like to close the chat session please click the " X '' button on the top right of the chat window.     You are now chatting with  XXXX   XXXX .   info :  XXXX   XXXX  : Hi, I just chatted with a gentleman about being declined due to our credit score. I applied for a HARP refinance. He said we were not eligible due to our credit score being  XXXX . I just read the HARP qualifications and i got this directly off  XXXX . -- -- -- - Through HARP, you can get a lower interest rate ( which means less out-of-pocket costs each month ), get a shorter loan term, or change from an adjustable to fixed-rate mortgage. There 's no minimum  credit score  needed, either.  XXXX   XXXX   XXXX  : OK there may be other lenders that follow those guidelines, but we may have some overlays.    XXXX   XXXX  : ok. What should i do now? Wait for a call or email?    XXXX   XXXX  :  Well I would co ntact the lender that currently holds your loan, unfortunately I have to follo w Quicken Loan guidelines.     XXXX   XXXX  : Ok, Thank you  XXXX   XXXX  : Thank you  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed account on my Credit Report. Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account saying that the information they gave is precise, with which I seriously disagree. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the accounts immediately! 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX
Product: Debt collection

Business Names : Allstate XXXX  Address : XXXX, IL XXXX Phone : ( XXXX ) XXXX and : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX I had no knowledge of the alleged debt I owed until it hit my credit report. I disputed the charger and was working with Allstate only after hearing back from them about filing a XXXX  complaint. As soon as the XXXX  complaint closed I no longer received correspondence or a resolution to this debt. Prior to attempting to resolve the issue above, I was never notified until the arbitrary {$600.00} was on my credit report, dropping me XXXX points. 

Upon investigation, after the damage was done, I was no longer with Allstate Insurance when switching homeowners and was overcharged by Allstate for insurance when the account should have been canceled and closed when going to XXXX XXXX 
.
Product: Student loan

I am behind on my private student loan and have tried numerous times to get my payment lowered. Every time I try Navient fills out a financial statement and at the end I have a negative income to be able to make the monthly payment. Now they are excessively calling me. I have logged 11 phone calls in the past 7 days and I read that in late 2021 there was an amendment to Regulation F of the FDCPA which now prohibits a debt collector from making more than 7 calls in 7 days to a person who owes the debt. I have spoken to XXXX from Navient and she said that Navient was aware of this and was breakling no law.
Product: Debt collection

National Credit Systems along with the apartments formerly known as XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX have fraudulently attempted to collect monies from me. I was dealing with harassment and stalking at the apartments and have proof with voicemails from the manager XXXX XXXX who spoke to the individual who was harassing me but never kicked him out so I had no choice but to move out because I was in fear for my safety and life. Per Texas law with a 90 day notice I am able to move out lawfully without having to pay any further rent. I reported the stalking and harassment to the manager of XXXX and XXXX, the police, and to my attorney. XXXX and XXXX failed to properly handle the situation and continued to falsify move out charges. I am a military veteran and they wanted my discount back as a concession pay back, a fee for " breaking the lease early '', and an additional months rent as well as another random rent charge. I paid my last month I lived there and they took my deposits and I had my renters insurance pay them for all damages as well as cleaning fees. I sent them a letter from my attorney and they refused to respond to my attorney and sent to collections ( National Credit Systems ). Whom my attorney also sent letters to and to the credit bureaus with no response. Along with this National Credit systems sent various threatening calls stating they were attorney 's and would sue me unless I paid. After already going through a scary and traumatic experience at the apartments I am continuing to suffer by the hands of XXXX at XXXX and National Credit Systems. I have also struggled to move into apartments due to the fact that there is an amount of {$3700.00} on my collections which I do not owe. I can provide all supporting documents to CFPB. I would like this to be completely removed from my credit and collec tions.
Product: Credit reporting, credit repair services, or other personal consumer reports

REMOVE UNAUTHORIZED HARD HIT CREDIT CHECK AND TERMINATE UNAUTHORIZED CREDIT CARD APPLICATION Dear CFBP Supervisor : I just saw on my credit report that XXXX initiated an unauthorized " hard hit '' on my credit report. ( Credit report attached ) I am writing to request that XXXX immediately REMOVE the " hard hit '' on my credit report and to the credit card application they processed without my consent or knowledge. 

Background : This is ( again ) another egregious misconduct by XXXXs branch manager, XXXX XXXX, at the XXXX XXXX office. Beginning on XX/XX/2019, I had to contact XXXX Customer Service continuously for several days about the mishandling of my Premier Account. I also left messages for the branch manager.

Finally, the manager called me on XX/XX/2019. XXXX XXXX was unprofessional and ill-prepared for the call. He did not have any information on my account. Then, as he searched on his computer, he could not locate it. I had to look up my account number to provide to him. I told him that I NEVER authorized or consented to any credit check or asked for a new credit card. XXXX XXXX confirmed that XXXX did NOT process any credit card or overdraft services on my account. After seeing how poorly he was handling my account and his rude tone -- I had no confidence in this branch manager. Thus, I requested a written confirmation of what he told me. See email attached here ( Exhibit 1 ). 

However, XXXX XXXX lied and misrepresented to me about XXXX 's actions. Contrary to what he had confirmed in his emailXXXX XXXX DID run a hard hit credit check. The result is evidenced on my credit report, attached here ( Exhibit 2 ). 

Did he even check the information BEFORE confirming with me? This was very unprofessional to mislead clients with false information. 

In my entire life of banking, I have NEVER had to write to any bank about their terrible customer service. I had to ask XXXX to remove my account from XXXX XXXX 's branch altogether -- to another location with professional staff, per letter attached here ( Exhibit 3 ). 

Then a week ago, I received two phone messages from XXXX that they are sending me a new XXXX MasterCard credit card and they instructed me to call the phone number on the card when I receive it. ( I saved the messages ). I have NEVER signed up for an XXXX credit card. This latest episode by XXXX has caused me great anxiety. It also triggered me to check my credit reports -- which showed that they also ran a " hard hit '' on my account without my consent. 

First, I am writing to request that XXXX immediately remove the hard hit on my credit report and provide documentation this was done. 

Second, I have never applied for any new XXXX credit card. I request that XXXX immediately cancel any XXXX credit card and provide me a written confirmation of termination. 

Please find the three documents referenced above ( Exhibits 1,2 and 3 ), attached here. Feel free to reach me with any questions.
Product: Bank account or service

I initiated a dispute on XXXX XXXX, 2015 regarding a charge to my USAA checking debit card from XXXX for {$54.00} for wi-fi services that I did not receive. USAA requested the SAME information over and over and over and over, which I provided at least five times ( four times via telephone and once via fax ). Every time I call, I 'm told that they need THE SAME INFORMATION. I have provided everything they 've asked for at least FIVE TIMES. They refuse to do anything further. I believe that they are intentionally stalling so they do n't have to do anything. USAA service is simply horrid. What happened to this bank? They used to be decent!