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

In XX/XX/XXXX, Navy Federal Credit Union, created a savings account for another member whom I had brought into the bank as a minor in XXXX, attached this new account to my savings account and withdrew over {$2400.00} from my account to cover money owed by the member that I brought in XXXX. When I brought the member in back in XXXX, she was a minor who is now an adult. She of course since then has opened up several accounts with NFCU on her own ( that I AM NOT JOINT OWNER ). Apparently in XX/XX/XXXX, this member put in a fraud claim on her checking account THAT I WAS NOT JOINT OWNER. XXXX of XXXX, NFCU apparently denied the fraud claim and since the checking account was closed at the time due fraud, NFCU created a savings account which generated a negative balance for the member, NFCU attached the savings account to my checking account and withdrew the money from my account. They DO NOT CARE what kind of hardship this has caused on me, they did not care what automatic deductions I had coming out of my account. Numerous reps told me that the individual owes more money and that NFCU will continue to take my money that comes into the bank INCLUDING MY VA XXXX BENEFITS!!! THIS CAN NOT BE LEGAL. I have asked numerous times, how much does the other member owe, maybe I can work out a payment plan to pay the money back but I can't afford for them to take over {$2400.00} from my account but I am constantly being told that THEY CAN NOT DISCUSS ANOTHER MEMBER ACCOUNT WITH ME!!! Again, this CAN NOT BE LEGAL!!! How can you take my money and threaten to take more including VA XXXX payments and NOT TELL ME WHY, HOW MUCH or anything of that nature???
Product: Debt collection

Shared information about a past due debt with my daughter. after they shared the information she told them I was not there them they asked her why she answered the phone. to start with they have invaded my privacy with sharing my information with a member of my household. 
have asked them before not to call my home as I am not paying this bill.
Product: Checking or savings account

To whom it may concern, I opened up a TD convenient checking online on XX/XX/2020. It told me the account was opened successfully and gave me the account number and routing number. However, it didn't allow me to set up online banking unless I call the customer service number. 
And to be able to access the account and fund I just transferred from the other bank, I call the customer service which they just asked me go to branch without further authenticate me by any effort. Then I come with the solution to close the account, they even told me to hand write a letter and get notarized and send to any locations for that request. Also, they can not confirm that the promotion online was applied to my account which made me more upset. Due to that is the current information showing online at the time I called them. And they denied that and declared there was no promotion at all. 
All those effort I made to open up an account online end up become a scam and can't close out the account at all beside writing a notarized letter. 
There are bias among different customer representatives, they don't know what are they talking about and they show no obligation and responsibility to do so. 
I highly recommend to investigate this bank if it comply all the bank 's rule and law. 
Again the bank 's name is TD BANK. And the website is https : //www.td.com/XXXX  And below is the promotion still showing online : https : //www.td.com/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I on XX/XX/XXXX I waited for 45 minutes for the BJ Card issuer to pick up the phone to report a fraudulent transaction Commedity Bank. On XX/XX/XXXX I bought gas at XXXX in XXXX NH and recognized a charge in the amount of {$14.00} there was a second fuel charge in the amount of {$120.00}. That is inpossible and a charge for fuel that I can't put in my car a XXXX XXXX which has a total fuel tank in the amount of XXXX gallons. I received a bill of the XXXX. I have several concerns since XXXX is terminating its relationship with Commodity and switching to a new issuer XXXX XXXX on XX/XX/XXXX that they have a conflict in removing this charge. For fuel that I could not have charaged. Second based on looking at the card and how it's supposed to sync, often the rewards were not timely posted so I had to have credit purchase used when rewards earned were unable to be redeemed. I used the {$10.00} reward option smallest size and based on there web page I have several that may expire. That latter one is likely and issue affecting more people. I included the letter I had to send to dispute the bill my auto registration the credit card statement transaction and basic facts on fuel tank capacity of the XXXX XXXX XXXX. Gas was I believe XXXX a gallon day of purchase with the card XXXX cent discount.
Product: Bank account or service

Citibank is promoting a bonus offer with the opening of a new checking account. The terms state the bonus will be deposited within 90 days of completing all requirements. I have completed all requirements but have not received the bonus. It is well past the 90 days since I met all requirements. I am submitting a second complaint as Citibank requested my original complaint be retracted.
Product: Debt collection

The collection company have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may Concern, I have attempted multiple time to remove negative marks and the balance posting on my account with Experian, XXXX and XXXX. XXXX XXXX has not been responsive to my complaints so I need the credit reporting agencies to fix the inaccuracies based on my supporting documentation. 

Experian, XXXX and XXXX was contacted multiple times in XX/XX/2020 to the current date through a credit repair agency regarding XXXX XXXX false reporting on my credit. I have documents showing the inaccurate reporting and ask that these negative marks be removed due based on The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.
Product: Debt collection

Since XXXX of 2019 I have been trying to request the information regarding debt that is appearing from several companies collector 's ... All stating that XXXX/XXXX  is the original debt and amount was XXXX I do have XXXX by XXXX  but my account is current and both mine and my wifes phone are paid in full so I requested info from original creditor no response then no response from other companies besides it reappeared on credit reports.
Product: Credit card

Applied for a credit card. The card I received was used for fraud in less than 24hrs. I was informed by chase that a previous card was sent and was used for fraud without my knowledge and that this card was my replacement only to find out in the same conversation that the actual card I had received would be cancelled and that a new card would be sent but the previous representative told me the wrong information and my current card was good. I closed the account immediately. I had the card less than a week! Now I 'm concerned if it was done at Chase or if someone has access to my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I started bankruptcy chapter XXXX pro se and in the midst of it I chose not to move forward. So I toughed it out with my creditors continuing to pay my bills on time. I spoke with the Bankruptcy court and it shows that i didn't turn in the proper paperwork to moved forward. A third party XXXX XXXX is reporting the information inaccurately without knowing all the facts.
Product: Mortgage

I submitted an application for a home equity line of credit with Navy Federal Credit Union. The company directed me to their mortgage team, failing to tell me that for investment properties that lending falls to the business lending team not the traditional home mortgage team. I was very clear from moment one that this was an investment property where I have the title held under an LLC for legal protections. I paid for an appraisal as part of the process and they refuse to refund my appraisal fee even though it was there lack of oversight that had me going through a process that was not correct in the first place. The loan was not approved because of their negligence and incompetence, costing me {$500.00} and 4 weeks of my time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have an account with XXXX XXXX with a {$10000.00} that the credit bureaus are not reporting on my credit files. 

Thanks, XXXX XXXX
Product: Credit card

I landed at XXXX airport on XX/XX/ around XXXX XXXX. I went to taxi stand to get ride to parking facility. I ( stupidly ) got in a XXXX XXXX that had an XXXX tag and the guy did he could take me. He said it cost {$30.00}. I gave him my card. I didnt get a receipt. He didnt disclose terms and conditions. My XXXX statement on my Citibank Costco XXXX had a charge for {$2000.00} to a vendor called XXXX XXXX XXXX XXXX XXXX. Citibank says since I used my chip I am responsible. BTW- if you try to find the XXXX XXXX company, there is no info. If you call the phone # it is disconnected. I asked Citibank to ask the vendor for a receipt. Maybe ask them to prove that I charged something instead of asking me to prove that I didnt charge anything. I have called them 7 times and spent hours trying to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for the TransUnion online credit report website at XXXX of XXXX for a one month trial and they were enable to give me information about my credit score. They took my debit card information and my social security number. I thought that my membership cancellation was already done by XX/XX/XXXX of XXXX but I just realized that they took a {$19.00} monthly fee of my debit card without even telling me since XX/XX/XXXX of XXXX. They keep sending me emails about the credit score service several times ( spam ). 
I tried to cancel my membership for good but TransUnion doesn't have that option on their website so I called several times to the phone number display for cancellations but nobody picked up. They really make it difficult to end the business agreement with costumers.
Product: Credit reporting or other personal consumer reports

I submitted a dispute XX/XX/year> to dispute a charge off on my credit report. The dispute went unanswered, and there was no resolution. The charge off is for XXXX XXXX XXXX XXXX. Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a XXXX from XXXX XXXX The amount is incorrect on the credit report. The amount on the report is larger than what's on the XXXX, making me look as though I owe more. At this time, this is considered income because I have to pay taxes on the XXXX. I demand that the account be deleted because it is now income and not credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts on my credit report that don't have anything to do with me. I dont understand this. Also its states that I missed a {$0.00} payment, although I clearly owed {$0.00} at the time, and never missed a payment. This error in my credit report has dropped my score so low since this, I can not get a car loan, home loan, not even a credit card!

Fraudulent Accounts : - NO NAME - Account # XXXX - XX/XX/XXXX - {$1200.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX -  {$780.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1200.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$360.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX -  {$780.00} - ( SHOWS UP TWICE ) XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$780.00} - XXXX XXXX XXXX - XXXX -XX/XX/XXXX - {$1900.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$360.00} Incorrect Payment History - XXXX XXXX XXXX - XXXX - XX/XX/XXXX .- {$0.00}
Product: Credit reporting

I have disputed a fraudulent account listed on my credit report twice, and I am still fighting to get the account removed. I provided the identity theft complaint as supporting documentation with the XXXX dispute, which included the police report number, and XXXX 's name who filed the report. I have explained to them that the police report with the identity theft complaint is XXXX pages total, and that 's why I have n't sent the actual police report. Equifax used the same identity theft complaint to place a security freeze on my file, but I still have to go through XXXX to get this fraudulent account removed, that is included in the identity theft complaint as fraudulent. I called the creditor yesterday several times before they could even find this account in their system, and when they finally located the account, they admitted that they received the identity theft affidavit on XX/XX/2016. This account was removed/blocked by Experian on approx. XX/XX/2016, and creditor was notified by them. I called Equifax again yesterday after talking to the creditor ( XXXX ), and told them that XXXX is acknowledging that this is a fraudulent account, so how do I get this removed. Equifax told me that I would have to send a copy of identity theft affidavit/police report with a request to remove the fraudulent account, also a copy of ID and social security card. Even though I have provided a copy to them, and again, this was the same identity theft report they used to place security freeze on my file, I faxed it to them again because I simply want this account removed so I can get on with my life. This account is damaging my credit!!! This is not even my account, and I have gone through XXXX to clear my name of fraudulent accounts/information that has caused enough damage to my life. No identity theft victim should have to go through this, calling credit bureaus/creditors in tears over what should have been resolved by now. I called Equifax again today XX/XX/2016, and they ca n't even confirm they received the block request, all the other documents they requested, which was faxed yesterday. I wanted to make sure they received what was requested/required to resolve this fraudulent account, and they ca n't even tell me that much!!! They said I have to wait XXXX hours to even find out if they received the fax. What do you mean XXXX hours? This is beyond ridiculous. And this is the same information they were given already, because they used it to activate my security freeze. Do I have to take legal action to get this fraudulent, inaccurate information removed?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to the Credit Bureaus on XX/XX/XXXX requesting the removal of the fraudulent information : XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00}, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, and XXXX  XXXX  XXXX XX/XX/XXXX, that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove and block any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included these items in my previous Complaint # 's XXXX, XXXX, XXXX & I am including them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXXXXXX XXXX : {$29000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$29000.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$29000.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX
Product: Checking or savings account

On XX/XX/2019 Huntington Bank confirmed our XXXX XXXX XXXX account for bank to bank transfers. Prior to confirming our XXXX XXXX XXXX account Huntington Bank had electronically transferred funds from our credit union to pay a car loan where the car had a lien Huntington Bank released as apart of official Indiana state records. Huntington funded our checking acct by electronic transfer from XXXX XXXX XXXX on XX/XX/2019, our savings acct was funded by a paper check written from XXXX XXXX XXXX acct. On XX/XX/2019 I requested to move our entire acct balance at Huntington back to our XXXX XXXX XXXX acct. Huntington on XX/XX/2019 claimed the transfer was stopped by the federal reserve bank stating the account information for the XXXX XXXX XXXX acct did not match. Huntington has refused to credit our accts for the funds stating the funds were kept by the federal reserve bank. 

$ XXXX vanished from Huntington acct and those funds were not credited to our XXXX XXXX XXXX act or returned back to our Huntington acct. We have been promised those funds would be back into our act no later than start of business today XX/XX/2019. Those funds were not returned to our Huntington Bank account and they were not deposited to our XXXX XXXX XXXX act. Both the Huntington Bank and XXXX XXXX XXXX accts are joint with the same owners. 

We have attached proof Huntington Bank routinely withdrew funds from our XXXX XXXX XXXX for a car payment. We have proof of deposits made to Huntington Bank where they transfered {$1000.00} of {$6000.00} in funds electronically from our XXXX   XXXX XXXX act. 

We have attached proof of statements of Huntington Bank detailing our funds were on acct in their bank. We have proof of their emails stating they could not transfer our funds back to the same account they were drawn as fraud.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card

I need help with Citibank closing my two credit cards within a week of each other. I think there has been a huge mistake, but it is impossible to talk to anyone at Citibank about it. 

I had two credit cards with Citibank - an XXXX XXXX and a XXXX. Both were enrolled in autopay. The autopay for the XXXX  was hooked up to my savings account. In XXXX, XXXX, and XXXX of this year the auto payments came back as returned. 

Citibank never sent me an email or letter in the mail about it, but they did alert me to a private message that said there was a problem with my savings accounts. When I would go into the website to read them an alert told me the system was down and to come back later. I didn't pay much attention to it since I knew I didnt have much money in that account and had forgotten that the savings account was sourcing the autopayment. 

( Some context around the oversight to the returned payments. My father died recently and with wrapping up his estate I have not been paying as close attention to my accounts. Also, I paid off both of these credit card accounts completely recently so they were the last things on my mind. ) After coming back on vacation my AAdvantage card was declined and I called Citibank and the associate told me it had been closed and that there was a message for me, but she couldn't read it to me. I had to be transferred to another department for that and they said because I had had three returned payments that it had been closed. Within a week the XXXX card was closed also even though I have not had any returned payments on that card! 

I called a second time after that card was closed and asked if they could be reviewed. Since then Citibank has sent me a letter postmarked XX/XX/23 stating that the AAdvantage card had been closed and another saying the same for the XXXX card postmarked XX/XX/23. 

On XX/XX/23 I received an email from Citibank stating " Youre one of our best customers, so were happy to announce that the revolving credit limit on your Citi XXXX Card has been increased... '' which made me think it was being reopened and further adding to the confusion. 

Then I received two letters a couple of days later postmarked XX/XX/23 stating that both accounts had been reviewed and weren't being reopened. I have tried talking to someone at a local branch but they refer me back to customer service. 

I am attaching copies of all the letters and emails Citi has sent me that are mentioned above. Thanks for your help!
Product: Credit reporting or other personal consumer reports

I am writing again because Im fed up with the lack of action regarding the accounts on my credit report that are still in litigation. Ive contacted you repeatedly to address this issue, but nothing has been resolved. These accounts are inaccurately reported and are negatively affecting my credit score.