23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am sending this to formally submit a follow up complaint regarding an unfortunate incident of identity theft that I have recently experienced, I previously submit a complaint dated XX/XX/XXXX. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B, I kindly request your assistance in rectifying the discrepancies in my credit report. The specific identity theft incident is documented under Report # XXXX. Enclosed with this communication, you will find the necessary documentation to support the removal of inaccuracies associated with the following items from my credit report : EXPERIAN : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXXXXXX Balance : {$400.00} XXXX : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX : {$920.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$400.00}
Product: Checking or savings account

On XXXX XXXX The XXXX XXXX XXXX XXXX ( XXXX XXXX ) along with XXXX XXXX ( XXXX XXXX and XXXX XXXX ) sold me a house that they were not authorize to sell from XXXX XXXX XXXX XXXX XXXX. Now XXXX XXXX is trying to foreclose on the property after XXXX XXXX wouldn't allow me to make the mortgage payments. I want my {$40000.00} back plus the {$10000.00} spent on fixing the property since XXXX XXXX want the house back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report my account as past due even though i am in a forbearance and have been for over a year. They are reporting 180+ days past due on credit causing financial stress and denials for credit for me and my family.
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 XXXX XXXX XXXX account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Product: Student loan

Servicer changed from XXXX XXXX to XXXX then to Nelnet. 

Nelnet was not able to provide me with a complete payment history of my loans. Loan payment amount should be over 30,000 dollars and report sent to me showed one payment in XXXX. I have been out of school since XXXX so I know for a fact this is incorrect but no data is available from the previous servicer. The website doesn't even exist anymore. This data should have been transferred with my balance.
Product: Checking or savings account

I opened 2 accounts 1 personal account and 1 shared account with them in XXXX. When I opened the account. I do see a new account bonus which is deposit XXXX each account then keep it by XXXX so I can get XXXX dollar. I deposited XXXX total for both accounts. The total bonus should be XXXX dollar. 
And I called them today to verify the bonus. They said I dont qualify the bonus because I didnt open their saving account. What? It is unfair to me. No one tell me I should open the saving account during opening new account when I call them. I need them to pay my XXXX dollar bonus to honor it.
Product: Checking or savings account

I have been Citizens Bank customer since XXXX, when it was XXXX XXXX, when I was living in XXXX for 13 years. I moved to XXXX in XXXX. I still kept my Citizens Bank accounts open. 

On XX/XX/XXXX, I was contacted by Ms. XXXX, a CSR at XXXX XXXX XXXX branch and notified me of {$9.00} charges against my account. Not sure when but a long time ago I maintained required {$1500.00} balance to avoid account service charges. And I believe at that time I also signed up for the electronic statements. Until then I used to get account statements as well as reactivation of the dormant account forms via physical mail. Since activating electronic statements, the system stopped sending me dormancy status mails via physical as well as electronic means. It looks like there was a charge against the account for dormancy status and was levied against the account thereby reducing the required balance below {$1500.00} mark. That triggered charging {$9.00} each month until now. This has totaled to around {$800.00} charged against my account. 

In XX/XX/XXXX I obtained a student loan for {$90000.00} for my daughter at Citizens. At that time I was told that I will be an active account holder for all my accounts. I did not know that my account has been levied the account service charges in past as well as in continuum. It is interesting that after the dormancy status, the consequent service charges were taken as activity in the account further remedying dormancy. I am not sure why a non-voluntary activity such as auto-debiting {$9.00} per month will avoid dormancy status. 

When I complained, the supervisor was kind enough to give me 6 months of service credit. He sympathized about my situation that I had no way of knowing of dormancy status and the subsequent charges, however he was not able to further help and directed me to write to the office of the chairman. 

On XX/XX/XXXX I sent a letter to the chairman 's office and I got a call on XX/XX/XXXX. The rep from chairman 's office was willing to give extra 3 months of service charge credit, while I was asking for all of the service charge refund. She stated that not sending the dormancy letter by physical mail is not bank 's error. Otherwise if it was bank 's error then they have a policy to refund completely. With not getting a resolution of this matter after escalating it to the highest point I could go, I am contacting CFPB to look in to this matter. I am sure there may be more such cases with Citizen 's Bank. 

For now I have replenished the balance back to above {$1500.00} in my account. Please reach out to me on my cell phone so I can further discuss this matter with you. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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 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 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 has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Vehicle loan or lease

Ive been unemployed since covid 19 started without stimulus check, the bank gave me a three month break. After that i was still without a job and sent me to collection. Im calling now to start making payments on the vehicle and get back in track the say they took me out of the loan and I cant make payment. My options are payoff the car completely or surrender the car i think this is so unfair if someone can help me fix this  with BVBA COMPASS i would appreciate it. Thank u, XXXX XXXX
Product: Credit card or prepaid card

RECIEVED A PROMOTIONAL OFFER OF 0 % ON PURCHASES OVER {$490.00} ON FIRST BANKCARD - XXXX CREDIT CARD FOR 6 MONTHS ( I AM AN EXISTING CARD MEMBER FOR MANY YEARS ). WHEN MAKING A PAYMENT THEY WILL NOT PUT ANY EXCESS TO THE PROMOTION THEY WILL ONLY PAY THE INTEREST BEARING CHARGES FIRST AND WHEN THE STATEMENT COMES OUT TO PAY OFF THEY WILL NOT ALLOCATE THE PAYMENT TO PAY IT OFF IF THERE ARE CHARGES APPLIED AFTER THE STATEMENT CUTOFF DATE. A CONSUMER WILL NEVER PAY OFF THE PROMOTION BEFORE THE EXPIRATION DATE AND THEREFORE THE INTEREST WILL BE CHARGED. IT IS A BAIT AND SWITCH PROMTION ON THE CARD. I WILL BE PAYING THE ACCOUNT OFF BEFORE THE PROMOTION EXPIRES AND CANCELLING THE CARD. FOR OTHER CONSUMERS THEY WILL HAVE A HARD TIME PAYING THIS CARD OFF AND MAKING USE OF THE 0 % PROMOTIONS THEY OFFER. THIS IS EXTREMELY BAD BUSINESS AND A FRAUD ON THEIR PROMOTIONS.
Product: Mortgage

I received an email back in XX/XX/XXXX from my credit monitor system notifying me that I was 60 days late on mortgage payments, dropping my XXXXXXXX  score to XXXX score. The servicer Planet Home Lending placed forced insurance and paid my property taxes. I called Planet Home Lending to inform them I was sending over my homeowner 's insurance information. I was already starting a five-year deferred payment program with the county assessor to pay the {$8900.00} XXXX XXXX late property taxes. I also told them I paid my XXXX second installment in XX/XX/XXXX. They told me I owed them {$17000.00} and to pay immediately or my account would go into collections. I requested a ledger or provided documentation of what has been paid or owed. At this point, I have received no mail or letter notifications of any forced insurance, taxes paid, or late mortgage payments. The following month, I emailed and called over 20 times to try to resolve this matter. Planet Home Lending rep informed me I now owed {$24000.00}, shut down my online account, and would not let me make any payment via the internet or over the phone. At this point, I started sending my mortgage payments through my checking account. Payments are on time on my end. I called numerous times for clarification or to request certified mail. I would get a rep in different departments who needed to learn what was going on in this matter, and they would transfer me to collections or refer me to email customer service, which only resulted in numerous auto-reply responses. I finally received a letter on XX/XX/XXXX about removing their forced hazard insurance. Planet Home Lending 's internal mitigation services are a complete nightmare. Planet Home Lending systematically ruined my credit, made payments on my property taxes without notifying me by mail or email, and threatened to foreclose on my property while causing anxiety and stress. 

I have attached screenshots of the email communication.
Product: Checking or savings account

I have 2 accounts in citi bank 1 business & 1 persons in XX/XX/year> citi bank closed I have my balance in account more then {$3500.00} which citi bank never returned my money which is {$3500.00} I called so many time Citibank no one help customer service or fraudulent team said go to the near branch I went so many time inside branch branch worker said call Citibank fraudulent team i became helpless then after few months I called again on of the Citibank representative open my claim and she said you will receive your money in 5to7 business days case number is XXXX and I still not received my money I called today again on XXXX more then hours I trying to explain they said again go to the branch I am not getting help to any side please I request help me to get my money back I would be appreciate that money I deposited in Citibank for my credit card and bills payment which is year half now I didnt receive my money Worst Bank ever My account number XXXX My name XXXX XXXX
Product: Money transfer, virtual currency, or money service

Zelle and bank ( XXXX  ) did not cover my lost funds of {$200.00} from XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against TransUnion Credit Bureau regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( s ) : XXXX XXXX  XXXX ( XXXX ) XXXX  XXXX  ( XXXX ) Disputed Information : [ Describe inaccuracies, e.g., incorrect balance, wrong account status ] Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, TransUnion Credit Bureau has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Debt collection

I am applying for a mortgage and was getting a pre approval when my loan officer told me I had a collections debt from midland funding still on my credit report from 2010. First of all, that debt was my father 's not mine but they attached it to my name and it affected my credit in XXXX when I was applying for a mortgage the XXXX time. I went with my father personally to the place and paid that debt for him in order to get it taken off of my credit history. Now again, it 's still on my history after settling and paying the debt of {$2200.00}. I need to get this removed because it is lowering my credit score. I have to paperwork dated XXXX XXXX 2010 to prove it. There is also a pending class action law suit vs. Midland funding collections agency that I an a part of. Please help.
Product: Checking or savings account

My card was stolen and used multiple times without my knowlege or consent. I reported it to Chime and they did nothing. They fid not even investigate. The same day I disputed the claims they denied them. Its impossible to investigate fraud in a few hours. They automatically denied my claim. I provided them with a police report proving my card was stolen. They always do this to customers without investigating
Product: Debt collection

XXXX XXXX XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$92.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit card or prepaid card

XX/XX/XXXX Expanding on existing OPEN case against XXXX Case # : XXXX XXXX  has called and left a message however, the message was " garbled ''. I can make out it is XXXX calling but after that the message fades out as if the person turned away from the phone. I can not hear the number to call back or what it is they are going to do about this matter.

I believe XXXX is ignoring this issue and has no intentions of resolving it. The caller seemed to purposely make it impossible to hear the call back number.

This is similar to when I would call XXXX and be put on hold until I was disconnected. Or when I'd email them and I'd be sent links that didn't open. Or when I'd start a chat, they'd time me out while they did their " research '' so I was disconnected to that person! I am sick of their way of doing business! I want this matter resolved.

Below is the original complaint : XX/XX/XXXX Consumer Financial Protection Bureau Hello, I have XXXX XXXX XXXX XXXX credit card. I have been receiving bonus/rewards money for using the card on XXXX and to make other purchases. XXXX  has taken that money. It was a couple hundred dollars which I was purposely letting build up. I have emailed XXXX three times asking where my money is. XXXX refuses to address this matter, redirecting me to non-existent links.

When I call I get put on hold until I am disconnected. When I start a chat the person says to hold while they investigate and I am disconnected. When I email I am told it is being working on and they will get back to me - no one has gotten back to me and I have been at this for almost a month now!

I did not use the rewards money, nor transfer it, nor authorize XXXX  to take it. My point is, that money was building up and XXXX took it, all of it! XXXX has been giving me the runaround because they are a huge company and think they are not accountable for stealing!

I want my rewards money returned to me. I want XXXX to put that money back on their website, at the the checkout point, where it has always been.

What a disgusting company to think they can just take my money and I'm supposed to lay down and take it because they are XXXX! They are becoming an abusive, customer service nightmare!

XXXX XXXX
Product: Credit card

On XXXX, I did a balance transfer of {$15000.00} online using my credit card on Citibank website for a {$450.00} fee. However, on XX/XX/XXXX, the full balance plus interest was paid off automatically instead of just the minimum due being paid. The amount was paid off from another bank account. Even though the amount was bounced due to insufficient fund, Citibank tried multiple times to withdraw the fund in the next few days and overdraft fees were charged multiple times. I realized about the error and called Citibank on around XXXX XXXX and they promised to provide me an adjustment within a few days. I did n't hear anything and called back on XX/XX/XXXX, the representative promised to refund the money within 10 days and sent me an email for record. I did n't receive the refund after 10 days and called back on XX/XX/XXXX and on spoke with Customer ID XX/XX/XXXX, she says that I 'll get a refund in XXXX business days. After not hearing anything a few days, I called again sometime in XX/XX/XXXX and got the same response. I called again on XX/XX/XXXX asking to be transferred to a supervisor and the supervisor mentioned that the money will be in my account by XX/XX/XXXX. Currently I still have not received the refund and it has been 2 months. I would like to make a complaint and hope to get this issue resolved. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

ACCOUNT XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm writing to impart my nervousness with respect to the challenged records on my credit report. On different events, I have raised the issue of blunders in these records, and have dependably referenced that they be completely investigated. No matter what my undertakings, I actually really can't get any objective or medicinal action. These wrong records are truly hurting my credit report and disturbing my ability to continue with a customary life. The antagonistic outcomes of these mistakes have caused monstrous challenges for me, and I'm left with no choice aside from to contend for your assistance with remedying what's going on immediately. I humanely request that you direct a cautious assessment concerning the enumerating of all of these challenged records. It is fundamental that the fundamental advances are taken to revive and review my credit report right away. With your help, I want to restore the accuracy and genuineness of my credit record so I could recover control over my money related success. I sincerely request that you offer this matter your most outrageous thought and take a speedy action. Your cooperation and moving in settling this issue rapidly would be tremendously important. Much gratitude to you early on for your appreciation and help.
Product: Credit card

I earned a kohl 's cash couban on a previous purchase. The Kohl 's cash coupons are stored on my account online for future use. I check my account this morning and I had a {$20.00} Kohl 's coupon that I earn from a previous purchase and later this evening the coupon. Was showing as redeemed. I immediately contacted their customer service number via chat online. And they said the coupon had been redeemed at a store in the state of Iowa and I live in the state of XXXX. The associates said there is nothing they can do to help me. Gave me XXXX incorrect phone numbers of XXXX other departments that have nothing to do with this XXXX. 
It appears that the company does not have sufficient security measures to prevent people from fraudulently use. Other customers earned coupons.