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

My citibank Card Number is XXXX XXXX XXXX XXXX. 
My citibank CD ( # XXXX ) matured on XX/XX/2019. After I came back from my trip in early XX/XX/XXXX, I found that CD was renewed by Citibank. 
I called citibank customer services ( XXXX ), and asked them to cancel it and transfer all the money to my saving account because that I could not accept that citibank was able to handle my deposit on its own without notifying me. 
To my surprise, the amount of money transferred from the CD to the saving account decreased by {$260.00}. The balance of my CD is {$38000.00}. What was transferred to my saving account is {$38000.00}. 
I havent received any notifications from Citibank about the CD of mine, including letters and emails, I declare again. 
For which, I have repeatedly contacted Citibank customer services to ask them to correct their mistakes and refund me $ XXXXbut they have not yet done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out over {$200.00} dollars of Certified letters via mail to All 3 Credit Bureaus on XX/XX/2023. With disputes letters along with copies of my identifications to verify who I was. I asked that all XXXX credit bureaus send me an updated copy of my credit report once the corrections were made/fix/resolved. But all 3 credit bureaus didn't fix or resolve the disputes or send a corrected/updated credit report. In fact the disputes I sent to them are still reflected on my account as I type this complaint on XX/XX/2023. Which has given the company 4 months of opportunity to resolved my disputes. But they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

My unblemished credit has suffered a sudden, surprising, and stubborn impediment, which now imperils my timely repayment of obligations taken on to get through the COVID pandemic, and which I am sworn to honorably achieve. 

In XXXX, XXXX, XXXX reported an old account of mine, for XXXX XXXX XXXX, closed since XXXX, to all three credit bureaus, showing an Adverse unpaid balance. This balance accrued from false and fraudulent charges and fees some for services not rendered, some for service tier changes made against my instructions, some for billing contrary to sales pitches, etc. I had made regular ongoing payments for legitimate charges, but had refused those which were unethical. My vigorous good-faith efforts toward remedy were of no avail. 

I disputed this Adverse Entry with the bureaus. Their 'investigations ' yielded nothing beyond the likes of, " We contacted the company for them to investigate your dispute. The results are : This creditor has verified that the current status is being reported correctly. '' I agree the false fees are being reported exactly as they were originally falsely charged. Of course XXXX denies their unethical conduct. But their misconduct is not my responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now
Product: Student loan

sending this complaint is student & Mother & Father ( divorced ) We applied with a 1 page promissory note to XXXX XXXX, for a $ XXXX XXXX XXXX program, which would be accomplished in 2 yrs or less, and the amount determined to stay in the " dorm '' setting was $ XXXX. We received no hard copies, no totals, no interest amounts in the document sent online to sign.. for the private portion of the loan done by Discover Student loans. We did receive these details on the stafford portion. Both stafford and private loans were rolled together and shortly after graduation we received notice of the loans balance- near $ 120K.  Because divorced parents had not communicated with one another, each parent assumed the other had received these documents/ info. Upon learning neither did, we believe we have been defrauded. We sought an attorney. 8 letters were sent like the one we provide here requesting proper promissory notes. But no response was given. Many calls were made and no one with authority to discuss the issue of no loan documents where the totals/interest/terms etc were signed. When the attorney finally did speak with someone in charge, after almost a year, and significant legal fees, he was told they had no intention of providing this and the loan was being sent to collections. Other false promises such as the " XXXX XXXX '' being respected as if from an accredited college were made. Job searches reveal it is not recognized as anything but a trade school, & the degree hasn't been useful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act One Main has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681A Definitions Rules of Construction
Product: Debt collection

I have written this company multiple certified letters demanding they provide me with proof to collect the debt they claim I owe them. They claim I owe them {$800.00}. I have never heard of this company, I never signed a contract with them, and I never agreed to do business with them. 

I have been a victim of fraud and identity theft and I believe that this debt was obtained by the company illegally. 

I have requested the following multiple times : The debt balance and original bill/documentation including an explanation of any interest charges and additional fees. 
The full account number that is associated with the debt that they claim I owe them. 
The date of default including the date of the last payment, The name and last known address of the debtor as it appeared in the charge-off creditors or debt buyers records prior to the sale of the debt. 
The names of all persons or entities that have purchased this debt. 

I have already submitted a complaint to the North Carolina Department of Justice. 
My next steps are to file and police report and take this company to small claims court and sue them.
Product: Debt collection

I hope this letter finds you well. I am writing to address a concern I have discovered upon reviewing my credit report. It has come to my attention that there are late payments inaccurately reported on my account, specifically related to the XXXX XXXX XXXX account. 

I wish to bring to your attention that these late payments are not accurate, and I believe there may have been an error in reporting. In support of my claim, I have enclosed documentation, including payment records and correspondence with XXXX XXXX XXXX, to substantiate the correct payment history. 

XXXX XXXX XXXX XXXX  - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I kindly request that you conduct a thorough review of the information provided and take the necessary steps to correct my credit report promptly. Accurate credit reporting is crucial, and I am confident that your intervention will help ensure the integrity of my credit history. 

Thank you for your prompt assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. These items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$0.00}
Product: Checking or savings account

My debit card was compromised. I filed a dispute. I emailed the company that was responsible for the charges. The company stated " as the orders have been processed, we are unable to process a refund. Please reach out to your financial institution to file a dispute regarding these transactions actions. We have also notated in our systems that these transactions were not authorized by you '. However my claim was still denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 a mortgage company did a hard pull on my credit through XXXX XXXX without having my consent. I had no intentions of refinancing my mortgage loan as the interest rates were as high as XXXX XXXX. I was not aware that a hard pull was down on my credit until after XXXX when I reviewed my credit information on XXXX XXXX
Product: Student loan

I received an email from Dept of Ed stating that I had been incorrectly billed for my loans and was eligible for a refund from MOHELA. I called MOHELA. The first rep said yes, I should not have been charged for loans from XXXX XXXX. I called back to request a refund, since I never got a response to my email requesting a refund. The rep then told me that I was only incorrectly billed for XXXX and could only get a refund for then. I was told it would take 90 business days to receive my refund. I have yet to receive the refund. 90 business days is absurd. They can withdraw from my account " on time '' but they can not refund me in a timely basis? MOHELA is a scam company. I want a review to see if I should be given a refund for XXXX XXXX, and I want my overpayment refunded in a timely manner.
Product: Credit reporting or other personal consumer reports

1666d - If there is a balance of credit or insurance of the account in connection to a consumer credit transaction with a surplus over XXXX dollar, this account should be credited in the amount of the credit balance, upon request, the remaining balance of the amount should be refunded to the consumer, by cash, check, or money order. The amount can not be known without knowing the journal and ledger entries of the account from the date of account opening as described in Publication IRS 583. 
AFFIDAVIT Notice, it is a fact, affiant has reason to believe and do so believe, pursuant to 15 U.S. Code 1666d if there is a credit of account balance with surplus over XXXX dollar in accordance to the journal and ledger entries described in IRS Publication 583, the amount balance should be credited and the remaining balance must be directed to I, the consumer by check. The documentary evidence must be provided to clarify this amount as this is a formal instruction in accordance to 15 U.S.Code 1666 ( b ) ( 2 ) to provide the documentary evidence which includes books of account in accordance with 15 U.S.Code 44 to resolve this billing error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a credit application with XXXX XXXX XXXX XXXX for an auto lease which I was well qualified for and received, however, shortly after receiving the vehicle I received a notification from one of my credit cards that also does credit monitoring that there was a change to my credit report. When I investigated further I saw that the dealership had done a hard pull of my credit EIGHT times. As a result my credit score dropped over 30 points. I immediately contacted my sales representative with a detailed accounting of what occurred including a screenshot of the problem and asked for him to have his financial manager contact me immediately. Instead the salesman text messaged my husband ( who was not even on the loan ) to tell him they were working on it. A week later my husband reached out to the salesman for an update as we had not heard anything. His response was they were still working on it. A week after that I wrote another very direct email to the salesman asking for them to contact me only and letting them know I would be taking harsher measures if I did not receive a communication from them as to what was happening to rectify the continued pulls to my credit. I received an email back and call from the salesman followed by a call from their credit manager stating they were working on the problem which seemed to be some glitch in their automated system that kept putting my information back into the system for a credit check. He told me it might take months for them to get it rectified with the credit agency. I told him that was completely unacceptable and I expected it would be rectified in a matter of days. I never received any more communications after even though I have emailed 2 more times asking for an update. I also called XXXX XXXX XXXX directly and they were unable to assist me as they were unaware of why this issue was occurring. It has now been a full month and I continue to receive emails from the automated system at XXXX XXXX XXXX XXXX that show I am still in this loop in their system that is causing my credit to be pulled over and over.
Product: Debt collection

I had frozen/ deactivated my Chase credit card XXXX XXXX XXXX visa ) around XXXX of XXXX. In XXXX and XXXX of XXXX  an XXXX prime membership was charged to said frozen card. It accrued up to XXXX due to late charges. I was notified via email ( spam folder ) but was never sent a statement via mail. I had not been contacted by phone until XX/XX/XXXX where a robotic messenger was talking asking to verify identity so was assumed to be spam calls.When I called today to see what could be done I was told my card was never deactivated the only thing I could do was make my payment. I had made XXXX other calls to the company to see what they could do to remedy the situation of bad credit due to their apps inability to deactivate my card resulting in charges that never should have been applied to said account. While calling back the second time they had offered to give credit back toward the late fees but seeing as I had already paid the bill in full they can not offer me a refund, but I was not given this offer the first time and was directed to pay my bill as to not accrue anymore late fees. They made me pay under the pretense that their was nothing that could be done to help me other than pay my bill. Both subscription charges were XXXX XXXX  my total bill again was XXXX due to interest and late fees on a frozen/ inactive card.When asked about my credit tanking they said there was nothing that could be done and gave me numbers to experion.
Product: Credit reporting or other personal consumer reports

AS OF XX/XX/year> XXXX IS CONTINUOUSLY REMOVING AND ADDING BACK POINTS FROM MY CREDIT SCORE WITH CARMAX AUTO FIN. 

THIS ACCOUNT IS 8 YRS OLD AND NEEDS TO BE REMOVED... 

MY CREDIT SCORE IS SHOWING DIFFERENT ON XXXX XXXX AND WHEN I LOG INTO MY XXXX CREDIT ACCOUNT ONLINE XXXX & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act. ) As stated in section 609 of the FCRA, " A consumer reporting agency is not required to remove accurate derogatory from a consumers file unless the information is outdated under 609, or can not be verified. as is my right, I am requesting verification of the following items. 

ACCOUNT NAME : DEPTEDXXXX ACCOUNT NUMBER : XXXX Balance : {$3700.00} ACCOUNT NAME : DEPTEDXXXX ACCOUNT NUMBER : XXXX Balance : {$7100.00} ACCOUNT NAME : DEPTEDXXXX ACCOUNT NUMBER : XXXX Balance : {$1800.00} ACCOUNT NAME : DEPTEDXXXX ACCOUNT NUMBER : XXXX Balance : {$3400.00} ACCOUNT NAME : DEPTEDXXXX ACCOUNT NUMBER : XXXX Balance : {$1800.00} ACCOUNT NAME : DEPTEDXXXX ACCOUNT NUMBER : XXXX Balance : {$3700.00} Additionally I have highlighted these items on the attached copy of my uploaded statement. Im aware that section 609 requires you to have verifiable Proof of my signature. Please send me proof my signature.
Product: Debt collection

portfolio recovery has been asked to provide a signed document of release of judgement for over a year since the debt has been paid. They provided an unsigned copy but have not released the judgement which is causing financial hardship as I am XXXX and unable to obtain a clear title to sell my home. Several calls and requests have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Car Dealer ) and World Omni Financial Corp ( Finance Company ) opened a car loan using my personal information. I had no knowledge nor did I authorized XXXX XXXX XXXXf XXXX, Omni Financial Corp or anyone else to use my personal information to attain credit. The the loan was open XX/XX/2017, in the amount of {$25000.00}. I have contacted both XXXX XXXX XXXX   XXXX and Omni Financial Corp. I have explained the issue to both companies numerous times " That I didn't sign for a vehicle or a car loan ''. I have filed a police report with two different police departments. I have disputed this account two times with all three ( 3 ) Credit Bureaus. XXXX  reinstated my credit score back to XXXX, but XXXX XXXX and XXXX continue to allow my credit to take hits and fall. I have also went on line and file an identity theft report. I have emailed a copy of the police reports, identity theft report and copies of the loan paper to World Omni Financial Corp . I have asked World Omni Financial Corp to investigate this issue and stop reporting bad information to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30-60 ) days late on the XXXX XXXX partial account number XXXX. XXXX  is also reporting this account as a duplicate partial account number XXXX. This is a violation of the Fair Credit Reporting Act to report the same account twice on a separate trade line. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

I have paid this debt as agreed. It was paid on XX/XX/XXXX. I was told an email would be sent to me confirming payment in 3-5 business days. I have not received this email as of XX/XX/XXXX ( 13 business days ). When i call regarding this i am told it will be sent and it never comes. I am told to check my spam folder, which i do several times a day, and there is still no email. I even spoke with a so called supervisor and asked if it could be mailed to me and he actually told me that it cost to much to mail out the document. I spoke with a woman today who advised that she would have the document mailed out ( Thank you mama ) but i would still like to get the email as i have a business transaction that is being held up because of this matter.
Product: Credit card or prepaid card

In XXXX of XX/XX/XXXX, my close friend XXXX flew on XXXX XXXX from XXXX to XXXX XXXX and back. During the flight, the flight attendants were handing out applications for the XXXX XXXX XXXX XXXX XXXX Mastercard, which offered {$0.00} intro annual card fee for the first year and XXXX bonus miles, if you made a small purchase within 90 days. XXXX took one for himself and one for me ( XXXX ). The flight attendant said this was okay. Once you filled the application out, you could hand it to the flight attendant or mail it in or do the same online. XXXX decided to do it online, but there was no box to enter the promotional code from the application he was handed. The credit card company rejected his application because they claimed they could not verify his identity - even though he had just gone through the security checks at XXXX 's and XXXX XXXX XXXX  airports security check points with proof of negative covid tests. His XXXX XXXX Acct. # XXXX. 
When I applied, I ran into the same problem online - no promotional box to enter the promo code - they approved my application and sent me a credit card. I made a small {$20.00} purchase with it to get the XXXX miles. Instead of what was offered on the in flight card application, I received no miles and was charged a {$99.00} annual fee. I contacted customer service, explained the problem and gave them the promo code I had. They advised me to go ahead and pay the monthly fee until this was resolved. Several weeks later, I received a letter from them stating that they wouldn't help me with the " Rewards Issue ''. Now, I am stuck with a credit card I do not really need, no XXXX bonus miles and a $ XXXX  yearly credit card fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to pull my credit with any reporting agencies. Ive updated my credit file and have the same information on all bureaus. There are no credit freezes or alerts on my credit. No one is able to pull my report the only report I have available is XXXX XXXX.
Product: Bank account or service

We applied for a loan in XXXX XXXX, Colorado XX/XX/2016 and Wells Fargo collected {$1000.00} by credit card for them to do an appraisal on the property. After a couple of weeks of loan review, Well Fargo underwriters would not approve the loan. Since the appraisal had not been done we were told that our {$1000.00} would be refunded. They said that it might take up to 60 days which I thought was an inappropriate use of our money and questioned the long wait time. Wells Fargo charged our credit card immediately but when it comes to a refund they do not move as fast. 
This event took place on XX/XX/2016. It has been 67 days and no sign of a refund. I question this practice on the part of Wells Fargo Bank and feel that it should stopped. Any action that can be taken to help us retrieve our funds will be appreciated.