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

XX/XX/year> I received a correspondence from NFCU via US postal service. This letter was informing me I had a overdrafted savings account. I'm not sure how that is possible if I don't have access to my account. Either way I was trying to stay compliant. I tried making a external deposit. Im not able to because that option is restricted. I took that letter to the NFCU in XXXX, XXXX  branch to deposit the funds. I was told to give a form of ID. I supplied my state ID. I was told I needed to supply a second form of ID from this list that was printed out. One form on the list was a bank statement with my address. I supplied that. I was told " can I hold on I have to take this bank statement to my branch manager ''. After sitting for about XXXX mins. I was told that's not acceptable because it wasn't the last current bank statement. I asked why am I being ask for all of this proof of identity to make a deposit? Your Institution stated I have a debt that's due ; which I'm here to make a deposit. Now you're telling me I can't make the deposit with little to no explanation. I asked to speak to the branch manager. I sat there for a while with no help. I asked for the corporate information. I ws told " we don't really have a corporate office ; you can take this card and call the manager. I left the branch and call NFCU XXXX number from my app. I did receive an apology and my account was credited for that fee. Now when I log into the app it's telling me to call a XXXX number. The replies to my complaints from NFCU never make sense. They tell you to call an make a payment for a closed account. To my understanding I thought when your information is being sold to a credit buyer the consumer is suppose to be informed FDCP ACT 15 US code1692,1681 as well as you can't try to collect that debt anymore. Also a charged off account is reported to the IRS and paid. I never received a 1099 C from NFCU for any accounts charged off and sold. Now we are talking about fraud. It's time to report this fraud to the Federal Reserves as well as the IRS. It's already a pending federal case I have with NFCU. These institutions need to be accountable for their abuse of process, and fraudulent activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Mortgage

My home equity loan application with Bank of America was halted because my name came up with a lien against it. It was an individual with my name who lives in XXXX XXXX ; XXXX NJ. I have never lived in XXXX ; XXXX XXXX. If the bank had done its due diligence in making a proper record search of my identity, this should have never happened. Now the bank says I need to provide a document from the courthouse showing the lien against me is either released or dismissed. This is completely absurd since there is in fact NO LIEN against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

the attached document is proof that XXXX XXXX should be removed from my report ASAP. 

Along with XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the Month of XX/XX/2022, XXXX XXXX XXXX Account Number XXXX XXXXeported a late payment to my consumer Report, In accordance with the fair credit reporting act XXXX  account XXXX  has violated my rights.

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on credit card account under an open consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through an FTC report if this was not an error. Please block and remove them immediately : XXXX Date Opened : XX/XX/XXXX Amount : {$320.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$940.00}
Product: Credit card or prepaid card

Like all consumers. I make frequent credit card charges. This one concerns my Chase Amazon credit card. Charges showed up and I was warned by Chase Fraud and asked to verify : {$44.00} at XXXX on XXXX.and {$49.00} at XXXX. I called the Chase Fraud line. The staffer explained that these are data processing cos ( middle men ) that work for many vendors. What I consider outrageous, which should be the subject of regulation, is that even if such a company does answer the phone, they often dont know or wont disclose the vendor who is saying I made the charge. This leaves us consumers first prey of fraud and secondly incapable of verifying charges unless we write down in a notebook every single transaction we engage in using our cards!! If credit card cos are going to hire data processing cos to charge consumers accounts, these companies need to be required to reveal the names of the vendors involved, so we consumers can readily approve or deny our charges. This is just minimal consumer protection! Please respond.
Product: Checking or savings account

I have had an online checking account with Simple.com since XXXX. 
On XX/XX/XXXX I had a balance of {$50.00}. On XX/XX/XXXX {$300.00} was deposited into this account. When money is available the account will show it as " safe-to-spend ''.

On XX/XX/XXXX I withdrew {$100.00} from this account from a local ATM, leaving me with a balance of {$250.00}.

On XX/XX/XXXX I tried to make another withdrawal and the transaction was declined.

On XX/XX/XXXX I called the Simple customer service line and explained my problem and was told by the person I was speaking to he could not fix the problem and he would have to hand it over to another department. I called back on XX/XX/XXXX and was told that the problem had not been fixed and there was no need for me to keep calling I would receive an email letting me know when I could access my funds. I called again on XX/XX/XXXX and was given the run around again. It is now over 30 days since I have been able to access my funds.
Product: Credit card or prepaid card

On XXXX XXXX Purchases were made for the amount of XXXX with my Gap credit Card in Texas, while I was physically in XXXX NY. It all started with a sim swap for a XXXX account where my identity was stolen. Later used fraudulently for a credit line. I did file a police report as soon as I realized that I was a victim of identity theft. I filed the police report on XXXX XXXX contacted Barclays the company for the Gap card too many times since XXXX when I found out I was being over charged with items I never purchased. The Account was closed on XXXXXXXX XXXX XXXX  for further investigation. After the investigation they said the activity is valid because the card was identified as being in my possession and chip card technology was used. I'm being accused for something that I'm a victim for.
Product: Student loan

On XX/XX/2023 I made a lump sum payment of {$11000.00} to Mohela in order to pay off 2 of my student loans ( Loan Sequence # XXXX and # XXXX ). I received a statement dated XX/XX/2023 claiming that I only paid off XXXX of those loans ( Loan Sequence # XXXX ) but that I still owed a total of {$210.00} on the loan ( Loan Sequence # XXXX ). I contacted Mohela via phone about a possible mistake with the payment, and they claimed the amount that I owed was correct so I made a direct payment towards Loan Sequence # XXXX in XX/XX/2023 in the amount of {$210.00} prior to the payment due date. I reviewed a bill letter from Mohela dated XXXX stating that they had received my payment of {$210.00} towards Loan Sequence # XXXX, but that I still owed a total of {$2.00} even after I used their payoff calculator to help me determine the payoff costs of my loan. I contacted Mohela twice in regards to the issue via phone on XX/XX/XXXX & XXXX, 2023 and they told me the issue would get resolved, but that it could take anywhere from XXXX days to resolve. I made a follow-up call to Mohela on XX/XX/2023 with no new update. Finally, after the issue had not been corrected I filed a complaint with the XXXX XXXX XXXX The XXXX helped me mediate the conversation with Mohela, but nothing was ever resolved. Instead of correcting my issue, Mohela made financial adjustments to my account to where I paid off Loan Sequence # XXXX instead of Loan Sequence # XXXX, but no instead of owning {$2.00}, I owed the completed {$210.00} again. Numerous messages and documents were sent to Mohela showing that this was incorrect, and eventually XXXX closed the complaint stating that Mohela was making their best effort to correct the issue. Only then did Mohela reverse their financial adjustments to reflect my initial payment of {$11000.00} which paid off Loan Sequence # XXXX and part of Loan Sequence # XXXX. The only issue now is that Mohela is claiming that I never paid the {$210.00} at all even after I've showed them documentation of payment through bank statements and their own website. Now Loan Sequence # XXXX is accruing interest on {$210.00} and not {$2.00}, even though this loan should have been paid off with Loan Sequence # XXXX initially back in XXXX of 2023. Mohela has been participating in some unethical and shady business practices when it comes to student loan payoffs or disclosing the actual amount due by their customers, and has been dragging their feet for months when it comes to making any meaningful corrections to my account.
Product: Credit card or prepaid card

In XXXX of 2022 XXXX XXXXXXXX XXXX card sold their financials to Goldman Sachs for the XXXX reward card. I had a balance of XXXX that transferred to a Goldman Sachs account ( not by my choice ). I created a login and continued to pay my first payment of XXXX to Goldman sachs at the beginning of the month. I did not enroll in auto pay and I did not activate my new card as I planned to pay off my card and close the account. I did not want to do business with Goldman Sachs. 
On XXXX XXXX an automatic withdrawal came out of my checking account for the remaining balance of my Goldman Sachs XXXX XXXX XXXX which was XXXX. I called immediately to find out what happened and they apologized and I was informed that several customers have called and complained of the same issue. They promised a refund to my checking account and my balance return to what is was, so I could continue making my regular payments. 
On XXXX XXXX I see the refund return to my checking account and my balance return to {$2600.00}. I think everything is okay and the problem is solved, until... 
On XXXX XXXX I log onto my dashboard to find my balance has doubled exactly. A " transaction '' called debit adjustment was on my statement for XXXX. This brought my balance to {$5200.00} I called back immediately and no one could explain why this happened and they said that is was definitely wrong. They filed a claim and an investigation against the matter. This took 90 days to get an answer, meanwhile the interest rate has made min payments very high, my credit limit on my card was XXXX so they began reporting me to the credit bureau as over the credit limit. Since XXXX we have gone through XXXX investigations/disputes/filing claims, also XXXX disputes with the credit bureaus and I can not get anything resolved. 
This has caused my XXXX XXXX to drop over XXXX points when I was in good standing and getting ready to buy my first home. I am unable to do that now due to this issue that is not my fault. I have been calling every week since XXXX to get answers and every person I talk to on the phone can see the problem but nothing comes out of it. 
In the past month, they sent me a letter saying they were going to send me to collections if I did not pay XXXX XXXX I did make that payment out of fear of dealing with collections because I am a person that pays bills on time and financially responsible. 
I believe this to be fraud and that Goldman Sachs knows exactly what they are doing and this is most likely happening to millions of people that have been sold out from XXXX XXXX XXXX rewards XXXX. 
I am discouraged beyond belief that my XXXX XXXX has been damaged this badly for something I am not responsible, I feel like a victim to this credit card company and want to see justice come out of this situation. The amount of time spent calling/waiting and talking to people from this company is time I will never get back, countless hours. Something felt wrong from the very beginning and I wish I would of know about this agency sooner.
Product: Credit card or prepaid card

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. 

1. BARCLAYS BANK DELAWARE XXXX Opened XXXX. XXXX, XXXX Balance {$2600.00} ; 2. BARCLAYS BANK DELAWARE XXXX Opened XX/XX/2015 Balance {$1500.00} ;
Product: Mortgage

The payoff statement dated XX/XX/2020 from Ally indicated a per diem interest of {$65.00} and a payoff statement preparation of {$30.00}. In a letter dated XX/XX/2020 Ally provided a reconciliation of the final payment which included {$60.00} for the payoff statement fees and {$7800.00} for the interest from XX/XX/2020 to XX/XX/2020 ( date of the loan payoff ). Interest should have been {$7800.00} for the period of 120 days from XX/XX/2020 to XX/XX/2020. Payoff statement preparation should be included in the normal cost of doing business. However, Ally should abide by the fee stated in the payoffs statement dated XX/XX/2020 of {$30.00}.
Product: Debt collection

I didn't receive any mail from this company about this debt nor did i speak to any representative..i was not aware my account was sold to this collection agency..was not able to dispute with this company..
Product: Debt collection

I, XXXX XXXX, consumer have come to the understanding IC system is in violation of my rights to privacy. ( See Attachments )
Product: Credit reporting or other personal consumer reports

I logged on to XXXX XXXX & my Equifax report completely changed overnight. 

My accounts have disappeared & replaced with accounts, including collections that are not mine! 

I need my credit report restored ASAP. 

Continuing to report false information after I disputed is illegal & I will sue. 

I provided a copy of my ID & SSN, still not resolved.
Product: Checking or savings account

Bank : Citibank Customer Name : XXXX XXXX XXXX XXXX Checking Account Number : XXXX Savings Account Number : XXXX Complaint : Violation of Promotion XXXX Summary : Citibank violated its terms and conditions of Promotion XXXX. Citibank promoted a {$400.00} cash bonus offer for new bank customers who open a checking and savings account with a minimum deposit of {$15000.00} and maintain a minimum balance of {$15000.00} for 60 consecutive calendar days. 

I opened the designated accounts and deposited {$15000.00} funds on XX/XX/2018. I met all the requirements for the {$400.00} cash bonus offer. After about 3 months, Citibank had not deposited the {$400.00} cash bonus to my account. On XX/XX/XXXX, I called Citibank to inquire about the cash bonus and was reassured by bank representative that the bonus would be deposited soon. I asked about closing my savings accounts and was told closing my savings account would not jeopardize the cash bonus offer. I proceeded to close my savings account. 

After waiting longer, I inquired with a Citibank branch about the cash offer. I received a letter date XX/XX/2018 that states I did not qualify for the cash bonus offer because I closed the savings account. 

I feel Citibanks action is deceptive. My accounts and deposit met the conditions of the promotion in the published time frame. I followed the guidance of the Citibank representative to close my savings account. 

Desired Resolution : Citibank honor its promotion and deposit {$400.00} to my account.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on XXXX  XXXX, 2023 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledae of errors.

According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me imagine who else they are doing this too.

Can you fix
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX XXXX XXXX reported an incorrect/innacurate late payment on my consumer report, I notified this consumer reporting agency on multiple occasions about the fact that this information was a breach of my individual privacy and that it was incorrect. 

On XX/XX/2021 I sent out a written notice by certified mail to XXXX, XXXX XXXX Equifax which was received on XX/XX/2021 by all three reporting agencies XXXX tracking : XXXX XXXX Tracking : XXXX Equifax Tracking : XXXX The consumer reporting agencies ignored my dispute and when I contacted them via phone call they mislead me into believing that my disputes were never received, after the 30 day period I proceeded to submit another dispute through certified mail to XXXX, XXXX XXXX Equifax in which they then proceeded to provide me with an automated response through their eoscar system which stating that the information was verified. Once I responded by asking them to provide me with the investigation results and documentation I was denied and sent a false and deceptive for which doesn't provide any actual or factual information just a statement from XXXX XXXX. 

I have been disrespected, violated and ignored and I can not take this anymore as these reporting agencies have ignored my right to a reasonable investigation. 15 USC 1681i states they have 30 days to investigate or remove the inaccurate information in which they took over 120 days to respond with a frivolous response. They have willfully 1681n and negligently 1681o non complied with federal procedures and I have been suffering due to their elaborate mechanism. 

For the third time I have submitted my disputes and when I called they told me that my letters are not in their system yet the tracking information states that they were received. 

XXXX XXXX : XXXX Equifax tracking : XXXX XXXX : XXXX XXXX XXXX XXXX Tracking : XXXX Attached are the letters that were sent as proof.