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

on XX/XX/XXXX Citibank allowed the unauthorized wire transfer of XXXX from my account to a person unknown to me. This occurred because Citibank uses cell phones as a means to verify these transactions. Unfortunately, this transaction was fraudulently carried out by an individual who had obtained the sim card number for my phone and had a copy of the sim card inserted in his phone at a XXXX location. This allowed him to have full control of my phone and my service was essentially cut off. Since the banks means of authenticating the request is by sending a verification code to a cell phone, this individual was allowed to wire transfer money from my account into the account of his choosing ' The banks method of authenticating the authorization of these transactions are far too convenient and fails to adequately protect customers. 
Citibank was notified of the fraudulent activity with in about XXXX hours from the time that the unauthorized activity occurred. All of the required paper work to report the fraud was filed with Citibank on XX/XX/XXXX. I was advised by representatives that an investigation of my claim would be conducted. That was 45 days ago. I have reached out on several occasions, to inquire about the status of my complaint. I have been told the investigation is in progress and that an investigator will contact me. As of this date, no one has contacted me. At the very least I think I should be told where the investigation stands and when my money will be returned to my account. I have been unable to pay some of my bills and feel that the length of time CitiBank is taking to resolve this matter is unjust.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my consumer report I noticed incorrect personal information and unauthorized inquiries. the incorrect information and unauthorized inquiries will be listed below. I also attached my FTC report along with my identification. 
incorrect personal information Name XXXX XXXX correct name XXXX XXXX XXXX Incorrect addresses 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 Correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

According to XXXX, I have a derogatory collection account of {$290.00} belonging to RS Clark and Associates with the original creditor being XXXX XXXX XXXX. The account was opened on XX/XX/XXXX.

As of XX/XX/XXXX, I have paid my debt to XXXX XXXX XXXX, but on XX/XX/XXXX, RS Clark and Associates was still reporting a derogatory, unpaid collection account. I disputed the account with XXXX and on XX/XX/XXXX, they reported back that the account remains. 

Additionally, I originally had no knowledge about this collection account. It was not until I opened my XXXX account on XX/XX/XXXX that I found out about this debt. I was not able to pay it off after finding out about it since RS Clark & Associates failed to send me any bills in the mail over the course of last two years. Without XXXX, I would have never known about this debt. Because of that, I went to the original creditor 's office and paid there. This should not be a derogatory account in my credit reports.
Product: Payday loan, title loan, or personal loan

I noticed right after got the loan that my paydays were wrong. So..I reached out to them to try and get them fixed. I was told that I had to email the support team to get this handled. They take out a membership fee and the actual loan payment seperate. They fixed the membership part..so that comes out now on the correct date..but the loan payment does not. I have been calling..and emailing. When called they told me to reach out via email..I have accrued so many insuffiecint fund fees of {$35.00} +..because it's like a trickle affect.until I can't afford tto pay the loan anymore..No one will help me with this matter. I'm frustrated and need help.
Product: Credit card or prepaid card

XX/XX/2022 Navy federal : XXXX dollars XXXX XXXX, etc I dont know how much more cards they put in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having an issue getting my free annual credit report from XXXX XXXX, Equifax and XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to one free credit report annually. Furthermore, I need XXXX XXXX, Equifax and XXXX to release my credit file and report to all lenders, creditors, banks and credit unions who need a copy of my credit report to review my credit report to offer me credit cards and installment loans.
Product: Credit card

On XX/XX/XXXX, someone bought XXXX  gift cards for {$190.00} each from XXXX company. He/She/They paid with my credit card capital one platinum through XXXX. 

I tried to fix this issue with XXXX, XXXX, and Capital One Platinum credit card however, none of them have wanted to take responsibility. 

On XX/XX/XXXX, capital one platinum made me XXXX  charges for {$190.00} for XXXX  purchases from XXXX to pay the XXXX company. Then, I called them on XX/XX/XXXX to clarify that I didnt the XXXX  purchases for {$190.00}. So, capital one platinum made the XXXX  adjustments for {$190.00} each. 

On XX/XX/XXXX the credit card XXXX  capital one platinum made the XXXX charges again for {$190.00} each. So, I called them again on XX/XX/XXXX and they made the adjustments again to remove the XXXX charges for {$190.00} each. 

On XX/XX/XXXX, the credit card capital one platinum made me XXXX  charge adjustment for {$190.00} again. 

On XX/XX/XXXX, I called them to clarify that capital one platinum again made me a charge adjustment for {$190.00}. Then, the credit card capital one platinum removed the charge adjustment for {$190.00}. On the one hand, capital one platinum made XXXX  credit adjustments for {$190.00} each. However, the same day on XX/XX/XXXX, they ( capital one platinum ) made XXXX  charge adjustment for {$190.00}. 

On XX/XX/XXXX, the credit card capital one platinum again made me XXXX  charge adjustment for {$190.00}. So, I called them again to clarify that charge but the fraud supervisor told me that they had made the final decision not to remove that charge because they have proof from the XXXX company that I made the purchase from my home. I told the supervisor to send me the proof but she replied no and that the payment will not be removed.

I called them ( capital one platinum ) again on XX/XX/XXXX, to fix the issue but they arent willing to negotiate anything. I told them that I am available to pay the full amount with the condition that capital one platinum removes the charge for {$190.00} because that purchase I did not. Also, they remove the interest rate charges from XX/XX/XXXX, because I tried to fix this issue and capital one platinum has been negligent in not investigating and doing its job by taking the easiest way, charging me with the fraud that I did not do.
Product: Consumer Loan

I purchased a vehicle from a small car dealership in XXXX Arizona. I had the vehicle for a little over a year now. I went to go trade the vehicle in at a big dealership and when the sales manager pull the XXXX and XXXX on the vehicle to find the vehicle 's odometer has been rolled back. I signed for a vehicle with XXXX miles. It really has XXXX miles. Earlier last year the dealer filed a restraining order on me because he stole my wifes car and he wanted to keep me away from it while he was ripped everything that we own out of the vehicle along the sums of about {$1500.00} worth of items. The police would not file a stolen items chatge on the dealers owner. I had no way of contacting him and getting to the bottom of the situation through the dealers owner. I contacted the bank and the bank told me that I 'm still responsible to pay for the vehicle which is {$15000.00} more than what is actually worth. I finance the vehicle for {$19000.00} and the owner of the dealership knew that the vehicle 's odometer has been rolled back and still sold it to me for {$19000.00} even though the vehicle is only worth {$5000.00} trade value. I have all documents to show that this vehicle was at XXXX miles when I sign for it. The dmv has documentaion thatvthe vehicle is signed for has almost XXXX miles on it.This dealer has been doing a lot of scamming to the public people of Arizona and the state of Arizona is not doing anything to prosecute him or recover anyone 's damages, I still have to pay for the murchandise that the owner stile out of my famikystuff car. I ca n't afford a lawyer. I know I am part of a struggling working family and I ca n't afford legal representation because they are very expensive. The dealers owner has numerous law suits against him so recovering losses may be out of the question.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I received a notice from XXXX app that my XXXX score droped from XXXX to XXXX. The allege cause for this drop was due to a high balance in my Barclay credit card account. According to the contract terms I have with Barclay service ; my due date is the XXXX of every month and they report to the CRA the XXXX of every month. On the XX/XX/2018 my account balance was XXXX. Barclays representative refuse to give me a copy of the requisition allegedly sent of XX/XX/XXXX nevertheless, XXXX representatives told me it was not sent untilXX/XX/2018 ( at the time balance had changed due to my usage ). My FCRA rights were violated by Barclay causing an adverse affect on my credit score.
Product: Payday loan, title loan, or personal loan

I was an investor in Lending Club. I stopped funding my account with about two years ago. During that time I was able to transfer funds out as they were recovered. After 6 months of inactivity Lending Club then forcibly closed my account. I was told at the time when they closed the investor account that recoveries from charged off loans would be periodically sent to me via a check when the funds reached a certain level. ( They did not specify what that amount was. ) I am now receiving emails from them every few months that there is at least XXXX in my account from recoveries. I have emailed them at least 4x since the most recent email on XX/XX/2020 and received NO RESPONSE or reply since beyond an automated reply telling me that they received my email. 

I am requesting that they send me a check for {$100.00} to close this complaint.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXXF Date of Inquiry XX/XX/year>
Product: Credit reporting or other personal consumer reports

I request that you conduct a thorough investigation into this account and promptly remove them from my credit report. These accounts do not belong to me, and their presence is negatively affecting my creditworthiness. Additionally, I would appreciate it if you could provide me with a copy of my updated credit report once the investigation is complete, reflecting the removal of the accounts. Please find below the details of the account : XXXX  XXXX XXXX. Please delete this account ASAP.
Product: Credit card or prepaid card

GAP Visa Signature Card is blocking me from enabling external applications including XXXX and XXXX. I need full access to my financial data.
Product: Credit card or prepaid card

I was on Credit Karma which I've used for years to monitor score. Went to my offers for credit card offers. Some were labeled " XXXX XXXX '' in which the website explained that my odds of getting approved were so high that if I applied and get denied that Credit Karma would put {$50.00} in my " Spend '' checking account. It has been over 60 days which is the time frame they provided to offer my refund. Not only do I not have the {$50.00} my credit dropped by XXXX 's of points bc of the hard inquiry and denial. Because of this I am occuring additional costs from additional interest incurred by the balance I couldn't transfer due to credit karmas false claim. I see that they were sued for this last year. I reached out to support and they responded to me XX/XX/23 saying that it may take up to 60 days. I responded to that same conversation XX/XX/23 to ask about status and received no reply.
Product: Mortgage

I received a letter from my lender, Everhome Mortgage, XXXX XXXX XXXX, XXXX, GA XXXX, stating that their show my insurance had expired and that the were going to buy insurance for my property, it would likely be more expensive, and that I was financially responsible. There is no indication of the time frame I have to resolve this. My insurance has not expired and is up to date, the error is in their recording keeping. The tone of the letter is very threatening and places the entire onus on me, not the lender. I do not think the threatening language is appropriate and the lack of details about time frame for the process in unacceptable and produces the appearance of immediate action on their part without my input.
Product: Credit reporting

I submitted a fax claiming that it was fraud and they never got back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent in several documents to the bureaus about accounts that dont belong to me for the last past months, i have been a victim of identity theft i never recived anything months later nor was the accounts removed, they acting as if i never sent anything in because i didnt get anything from either bureau i tried calling XXXX cant get through tried to send fax it kept saying line busy, XXXX i was on hold forever i haven't tried to call transunion yet but i did mail off to them also.
Product: Student loan

Re : AUTO PAY wrong info given by Rep on XX/XX/2018 - called placed to Navient at XXXX XXXX  ( Central Standard Time ) First of all my payment are due on the XXXX of each month to Navient. 

On XX/XX/18, I setup auto pay on their site. Finally, I got a emailed approving request on XX/XX/2018 saying that it would start in XXXX. ( Receiving this on XX/XX/2018 is not TIMELY ) XX/XX/2018, I called Navient @ XXXX XXXX  and spoke to a rep informing him that I did not see where my payment was set for auto pay on XX/XX/2018. The rep assured me that it was set to be auto deducted on XX/XX/2018 - Well, it wasn't! Instead I got email from them on XX/XX/2018 asking me to log in and check my account. When I logged in XX/XX/2018, I found big bright red writing telling me that I had missed a payment and that I could be charged a late fee. So, while I was on the site I went ahead and submitted a pay for {$140.00} for XX/XX/XXXX. If the rep had known what he was talking about on XX/XX/2018, I could have submitted my payment then! 

I signed up for auto pay because they tell customers you can get a 0.25 % reduction interest rate - My payment went up {$5.00}. It is now scheduled for auto pay for {$150.00}. 

on XX/XX/2018 at XXXX XXXX, I sent a email to : XXXX telling them the same thing that I am telling CFPB. 

on XX/XX/2018 @ XXXX XXXX, I called Navient and spoke to XXXX, employee ID XXXX, I told her about me calling Navient and speaking to rep on XX/XX/2018 and asking him about auto pay for XX/XX/2018 because I did not see it on their website. He assured me it would be deducted on XX/XX/2018. I also told her I was concerned about late fees and reporting to credit bureau. XXXX said no late fees would be charged and that Navient only report to credit bureaus if payments are 90 days late - Well, after the experience with the rep on XX/XX/2018, I don't believe it - my confidence in Navient CS is zilch!
Product: Credit card

Ulta Beauty credit card charged me a {$30.00} late fee. Its the first time that Im late. I called and advised them that they can only charge me {$8.00} as I called the CRPB and federal law now restricts over charging late fees. The representative told me that Ulta is exempt from that law and they dont have to lower their late fees.
Product: Mortgage

21st Mortgage Corporation 1 ) refused to provide statements during term of mortgage. Said coupon book was the only thing we needed and my mortgage " did not qualify '' for statements.

2 ) processed payments randomly after receipt. ACH payments not applied on date of reciept, but could be many days after. Checks sent exact same day every month direct from my bank were applied a variety of different days. ( see attached payment history ) 3 ) refused to accept any electronic form of signature from refinancing corporation, and made the process of refinancing harder by refusing to give a payoff amount to the new mortgage company 4 ) refusing to allow the mobile home financed to be affixed to the land while 21st had a loan on it, which would make any form of refinance or sale impossible. Insisted that the mortgage had to be paid off to them before any affixation could occur. New refinancing mortgage company had to work with title company to come up with a solution so new mortgage could be processed. Otherwise any sale or refinance would have been blocked.

5 ) if payment applied and did not clear my bank ( could be any random day up to weeks after payment was made ACH ) 21st locked out all forms of payment except for bill pay through a bank or calling and making a payment with the loan officer over the phone. All onine access or automated phone payments to make a payment was blocked for 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credito real has reported private information on my consumer report that I did not give them consent. I take pride on having the right to privacy and my privacy has been breached. My federal rights as a consumer has been violated. 15 U.S.C. 6801 states that that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

they are reporting an illegal repossession and late payments that is ruining my reputation and defaming my character as consumer which is not public information that could searched. not one person can research that I was late on a payment or that a my property was illegally repossessed. 

The definition of non public information under this subchapter also could mean any information resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. 


THIS IS MY FINAL NOTICE BEFORE I PERSUE LITIGATION
Product: Credit reporting, credit repair services, 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 1681. 

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, Office of the ATTY GEN : # XXXX, XXXX XXXX : # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Debt collection

Left a voicemail at my parents house which I do not live at and left all this information. Below is the the transcript left on their voicemail. 

This is a confidential message for XXXX XXXX if you are not XXXX XXXX you must hang up now hello I a.m. reaching out to you from direct recovery offer you a chance to resolve your matter here this will be my singular call me the following are your option on your balance of {$1100.00} XXXX 75 % settlement of {$820.00} a 85 % settlement three payments a 90 % settlement and 12 payments of {$82.00} settlements must be set up within the next ___ days please call XXXX again it is important to put a hold on your file I will be able to take your call until 7 PM today XXXX this is _ ____ to collect a debt and any information only be used for that purpose to pay online go to XXXX and click on the _____________________ need your account number and ZIP Code your account number is XXXX and your ZIP Code is XXXX
Product: Mortgage

I recently sent in a qualified written request for the payment history, a notice for request for information in regards to a closing that took place involving a reverse mortgage that my deceased mother took out on XXXX of a property. I sent the mortgage servicer documentation letting them know that only half of the property is encumbered due to fraud. I also ask the servicer to send me a payoff notice for the debt. According to the US postal records my letter was received on XX/XX/2021. 

I have neither received a response within 5 days as required by regulations governing qualified written request for information.