23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 I went to TitleMax to get a loan on my vehicle I was told that the loan would not be a high interest loan I had questions due to the fact that I have been reading that they got in trouble I didnt know what they got in trouble for I was lied to and miss lead they said the reason why they got in trouble with due to a DMV issue but come to find out later it was because of high interest rate I am being charge XXXX a month But only {$75.00} is size off of the XXXX they post to have gave me they gave me XXXX they made me pay for my registration out of the money that they loaned me and also the smog certificate says that I have been lied to by XXXX XXXX and shes been telling me that theyre going to work with me but they will not give me nothing in writing I keep telling her that when I first made my first payment it was XXXX for the XXXX to come off of the {$5000.00} but only {$75.00} is charged off of the XXXX they post ahead gave me they gave me XXXX they made me pay for my registration out of the money that they loaned me and also the smog certificate says that I have been lied to by XXXX XXXX and shes been telling me that theyre going to work with me but they will not give me nothing in writing I keep telling her that when I first made my first payment it will pull the van for the XXXX to come off of the {$5000.00} But instead {$75.00} came off of {$5000.00} and XXXX something dollars thats ridiculous they never told me why they just told me that the way it is now I am trying to keep my vehicle and pay them which Ive been doing can you help me can you please talk to them to get them to lower the interest rate I have been making my payments constantly if Im behind is because of the way they lied to me and Miss reputation himself when we did the long
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in several requests to remove the hard inquiries from my report do to the fact that I do not recognize them and have asked that either proof be provided or they should be removed. Under Section 604 of the FCRA they are in direct violation and therefore the inquiries should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2017 I called what I thought was XXXX XXXX, ( it turned out to be a company reselling XXXX XXXX  ) I spoke with them for over an hour and they assured me that if I purchased XXXX XXXX that I would get every XXXX XXXX XXXX game at my house in Florida. XXXX  was installed XXXX XXXX week of 2017 when I attempted to find the XXXX  game it was not there. I called XXXX support ant the only way to watch it was on XXXX XXXX. So I spent the next 2 months trying to cancel the service and finally stopped payment with my credit card. I took to social media and it took 2 more months to get them to stop trying to collect money every month but they did. Now this company that is still trying to collect the {$340.00} dollars uses a different collection agency every year and this has been on my credit report every year since and I have to go through this process to clear it up. There has to be some law against using a different collection agency every year and having this reappear on my credit report. Does this ever end?
Product: Mortgage

I HAVE BEEN FIGHTING TO SAVE MY HOME FROM XXXX XXXX XXXX NOW THEY HAVE TRANSFERED IT TO BAYVIEW LOAN SERVICING XXXX .I HAVE SENT ALL INFORMATION AS REQUESTED THROUGH MY ATTORNEY HAVE VERIFICATION FROM BAYVIEW BUT ON BAYVIEW WEB SITE I NOT EVEN IN THE SYSTEM WITH THEM.I HAVE THE UNDERSTANDING THAT WHILE A MOD IS BEING DONE FORCLOSURE SALE CAN NOT TAKE PLACE UNDER DOD FRANK.MY HOME IS SET TO BE SOLD XXXX/XXXX/2015.
Product: Credit card

My care credit account was closed unknowingly on XXXX XXXX XXXX due to us filing bankruptcy ( which I understand ) that which still collected my {$100.00} to {$150.00} a month payments and would probably still be accepting our payments if we had n't tried to use the card last week and declined now they are saying they only owe us {$100.00} I want this investigated. I never put them on my bankruptcy but it is standard to close account I understand that but when the account was closed it was $ XXXX. so I am being cheated and I feel this needs attention!!!! my payments are XXXX/XXXX/XXXX {$100.00} ref # XXXX XXXX/XXXX/XXXX {$100.00} ref # XXXX XXXX/XXXX/XXXX {$150.00} ref # XXXX XXXX/XXXX/XXXX {$100.00} ref # XXXX XXXX/XXXX/XXXX {$100.00} ref # XXXX
Product: Credit card or prepaid card

I applied for an XXXX  card after receiving a promotional brochure during a flight on XXXX. I received the car in XXXX but couldn't activate it until XXXX because someone had entered the wrong birthdate. Once I got it activated, I used it to buy another flight on XXXX. MY bill came and I noticed there was an annual fee on it. The promotion I signed up for was for XXXX miles added to my account and no annual fee if I used the card. I have called and talked to numerous people. I have received calls from their billing department insisting that I pay the annual fee and the interested I am now being charged for not paying that {$99.00}. I paid for the ticket but not that annual fee. Finally, someone asked for the promotional code and when I gave it to her, she said I had to pay an annual fee. I was holding yet another brochure in my hand and read to her the statement from the brochure that there is no annual fee the first year if I use the card. I told her I wanted to cancel the card but she said she can't do that until I pay the annual fee and interest.
Product: Credit reporting or other personal consumer reports

There are 2 credit inquiries on my account that I did not make. 
One from XXXXXXXX XXXX XXXX for a XXXX XXXX XXXX on XX/XX/year>. The Card was successfully opened and the person used the cards to book flights on XXXX XXXX. Fortunately I received email confirmations of the credit card and flights so I immediately called and cancelled. 

There is another inquiry on my report from XXXXXXXX XXXX XXXX on XX/XX/year>. I Did not make this inquiry Another one from XXXX XXXX XXXX That one is unclear if a card was opened.
Product: Credit reporting or other personal consumer reports

This hard inquiry has not been authorized by me, XXXX XXXX XX/XX/2023, I REQUEST THAT IT BE DELETED PLEASE
Product: Debt collection

I lived at XXXX : XXXX XXXX XXXX XXXX XXXX almost years, at enlisted in the XXXX on the XXXX of XXXX XXXX to reporting to basic training on XX/XX/year> I duly advised my landlord at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX joining the military. The receptionist at the office asked for my military orders which I duly furnished. I advised them I would leave the premises before XX/XX/XXXX, I left XXXX XXXX XXXX before I left I returned their keys to the office.. While I was at basic training they allegedly reached out to me I didnt have my phone like everyone so I didnt know why they wanted to talk to me! I found out from that I was XXXX and had a debt company XXXX XXXX XXXX  ( ( XXXX ) XXXX ) call me to collect debt for rent I do not owe! I have reached out to XXXX XXXX XXXX XXXX XXXX resolve this issue to no avail
Product: Credit card or prepaid card

Brinks master card, netspend prepaid I bought multiple cards that I loaded with XXXX or even up to XXXX that I wasn't able to fully activate back in 2021 my car was stolen and some of the prepaid cards I bought not fully registered got stolen so thru out years I given up on my $ but now that I know u guys exist I need help now they tell me when I call they say that am not eligible but never given me a reason
Product: Credit card

I am being contacted by chase bank saying I owe a XXXX charge for a credit card I did not open, I am attaching a email I received, they need to remove this card from my name and correct any information or future contact with me, I did not open any credit cards I want this rectified and my credentials out of there system and correct my credit report remove any information that has there name on it.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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
Product: Checking or savings account

I had 4 payments from savings to a moving company that lied, they stole from us and broke many of our other things. ( over XXXX in stolen and damaged goods on top of the over XXXX we payed to get things back because they upped the prices after having our things, we were quoted under XXXX ) We are pursuing the XXXX but were also instructed by a law branch to reach out as they did not render services as promised and we should not be held accountable for the payments. Two of them came from savings withdrew directly from the account, the other two were sent from the bank through XXXX that was offered from the bank application. Upon reaching out they decided not to pursue helping and just closed the complaints. 
The claims were filed XX/XX/22 Transaction dates and amounts : XX/XX/22 to XXXX XXXX XXXX ( known as A-on-Time and now " closed '' ) {$1300.00} same group on XX/XX/22 {$880.00} Through XXXX to ( Flash boys moving ) XX/XX/22 {$480.00} XX/XX/22 {$1000.00} There was also cash given due to the company lying and making changes how I can pay after having my items loaded on the truck. I am aware I can not prove the cash was withdrawn to pay the movers ( despite it being withdrew the same day the XXXX was sent ) but I would like to be reimbursed for the amounts that can be proven. The moving company is a scam and services were not rendered. They did not complete their end of the service. The insurance on the paperwork was not able to be utilized because the company closed.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

Dear officer, First of all, thank you for your time on this issue. Back in XX/XX/XXXX, I was cashing a check at one of the local Citi bank branch, one of the banker approached me with an offer to get {$500.00} cash bonus. Then she helped me to open a Citi priority checking and savings account with the promo code XXXX /. I called the customer service line and all of reps confirmed that I will receive it by the end of XX/XX/XXXX. Meanwhile, I got the Citi Secured message communication with rep XXXX XXXX, she confirmed that I will receive the {$500.00} bonus in writing, here is the direct quote from the message and please see the attachment for the full transcript. I see that a {$65000.00} deposit was made to your account on XX/XX/XXXX and at least {$50000.00} has been maintained in your account for the 60 days required. 60 days from XX/XX/XXXX was XX/XX/XXXX. The fulfillment time for the promotion to be awarded to your account is 90 days from the end of the statement period in which you met the qualifying requirements, which will be the end of XXXX ( XX/XX/XXXX ). 90 days from XX/XX/XXXX will be XX/XX/XXXX, which is the date that you should have your cash bonus awarded to your account. 

I was confused why I still did n't get the {$500.00} since now is XXXX, then I asked for another research on XX/XX/XXXX and got a response on XX/XX/XXXX as The terms of this offer state your new checking account must remain open and in good standing in order to receive this offer. Unfortunately, you do not qualify for the promotion as the checking account number ending with XXXX has been closed. ( please see attachment for the full research result ) Then I did the online chat with Citi bank to ask why my account was closed, the rep told me it was inactive, which does n't make any sense. I did n't get any notification saying that the account will be closed due to inactive and it happens to be that the account was closed on the next day after I ask for the research. ( please refer to the online chat transcript ) I have been calling Citi bank customer service back and forth and still did n't get a formal response why my checking account was closed without notification, which caused me could not get the {$500.00} cash bonus. I am running out of patience to wait for another investigation I just want to write to express my deep frustration and concern about the customer service and marketing team 's quality at Citi bank. Thanks again for your time and have a great day! XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ; 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.
Product: Credit card

On XX/XX/XXXX, I contacted Chase about filing a dispute against the XXXX XXXX XXXX XXXX XXXX XXXX. 

When I called to start the dispute they told me that it was past the window to do so. However, the rules given by XXXX are " '' a dispute for merchandise/services not received must be processed no later than XXXX  days from the transaction date XXXX 120 days from the last date the Cardholder expected to receive the services ( as long as it doesnt exceed 540 days ). '' I brought this to their attention and provided the rules and the receipt of when I purchased it. They told me they would look into it, but never get back to me. 

I sent this another message on XX/XX/XXXX ( they said the same thing ). And now I sent it again on XX/XX/XXXX 18th
Product: Credit reporting, credit repair services, or other personal consumer reports

According to XXXX and Transunion I have late payments on my XXXX XXXX account for the month ( s ) and year ( s ) as follows XXXX XXXX XX/XX/XXXX. I spoke with a representative in XXXX of XXXX at XXXX XXXX and had an agreement to where if I payed what I owe all derogatory remarks for the time frame mentioned above would be marked as payed on time. I payed as agreed and the derogatory remarks was not updated. I made a dispute and nothing was done. I got back on track with on time payments. XX/XX/XXXX my daughter was murdered on her birthday. I fell into XXXX and could not make payments due to funeral fees and XXXX. I reached out to XXXX XXXX in XXXX and explained my situation and asked can we make a payment agreement. I was offered a high amount to pay that I could not pay at the time which XXXX XXXX was aware of and they continued to report derogatory remarks on my credit report. Then Covid hit and I lost my job.They had no sympathy for the hard time I was facing. the information on this account is inaccurate therefore it should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported bankruptcies on my credit report. I requested the description of the procedure used to determine the accuracy and completeness of the information within 15 days. Also, I requested the name, address, and telephone number of each person contacted regarding these accounts. I formally requested any documentation bearing my signature. Any automated response or XXXX  verification is unacceptable. I received a response stating bankruptcies were verified but no documentation.
Product: Debt collection

I'm unaware of this debt. I didn't have an opportunity to dispute this information. if in fact you believe you gave me proper notification then please send me the certified receipt with my name on it with my signature.
Product: Credit card or prepaid card

on XX/XX/2021, I got charged on my XXXX XXXX credit card with the amount of {$750.00} for the property appraisal with Citi bank loan. However, the appraiser did not show up to appraise the property due to her personal reason. I cancelled the loan with Citi bank on the night of XX/XX/XXXX. I contacted Citi bank in mid XXXX and they told me that they would follow up with me soon. However, I have not heard anything from them since then. 
I contacted my credit card XXXX  XXXX and asked to dispute because I did not receive the service that I asked for. However, the Citi bank only refunded for {$550.00} on XX/XX/2021. Citi bank did not fully refund my money, and did not give me any reason. I would like to submit this complaint to CFPB to follow up to know why I did not receive my full amount that they charged me. 
THank you!
Product: Credit card or prepaid card

On XX/XX/XXXXI inadvertently paid my Bank of America credit card twice XXXX online ), using my Bank of America checking account. 
I called the bank asking for a refund. They told me the money would be credited with in 10 business days. It is now XX/XX/XXXX and the money has not been credited. 
I contacted the bank today and they said there was some kind of delay, but they could not check on it because it involves a no-contact department within the bank and there was nothing they could do except file another report which could take 3-6 more business days. I declined this option, this is a huge multi-billion dollar bank, one the taxpayers rescued at great expense. This kind of arrogance, and lack of customer concern is simply wrong. 
We are talking about {$630.00} heremaybe not a lot of money to some people, but it is to me. I would like my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account number XXXX Its a violation to report information without my consent I have never provided any written consent to report this item on my credit report according to 15 USC 1681b this is a violation of my rights. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, requires that this notice be provided to inform users of consumer reports of their legal rights Pleased removed ASAP and send me a copy of my credit report Sincerely, 15 USC 1681b Permissible Purpose Its a violation to report information without my consent I have never provided any written consent to report this item on my credit report according to 15 USC 1681b this is a violation of my rights. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, requires that this notice be provided to inform users of consumer reports of their legal please remove from credit asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a credit dispute to TransUnion XX/XX/2020. I have not received the results of this dispute and its been over 30 days. I submitted this dispute certified mail with all the proper documentation. I disputed several accounts displaying on my credit report. I also requested " PROOF '' of the debt exercising my rights under Section 609, which I am entitled to see and be provided with for validity of the said debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date XX/XX/2022 Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} I have disputed this inquiry with Transunion and XXXX This inquiry was canceled before going to collections My privacy has been violated under Section 604 15 U.S Code 1618B Section 605 A 15 U.S Code 1618 C-1 Section 605 B 15 U.S Code 1618 C-2 My personal information was illegally sold to the collection agency after I legitimately cancelled the insurance with XXXX XXXX XXXX XXXX My car was repossessed and I no longer had use for the services When I checked my credit report XXXX XXXX had sold of a debt that wasnt old Without me consenting to my personal information being stolen and used to collect money
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXXXXXXXXXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an 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 or 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: Checking or savings account

I logged into my account to check my balance to make sure all of my money was there because I had discovered my debit card was missing. When I logged in I found out that somebody had not only stolen my debit card but used it for multiple atm transactions. I had my card on the XXXX of XXXX and someone must have stole it that day or the XXXX. The atm transactions started the XXXX of XXXX all the way until the XXXX of XXXX I immediately called and canceled my card and disputed the transactions as soon as I noticed. On the XXXX of XX/XX/XXXX withdrawals for XXXX dollars and XXXX for XXXX were made. On the XXXX of XXXX my account shows that XXXX withdrawals for XXXX, XXXX withdrawals for XXXX, and XXXX withdrawals of XXXX. On the XXXX of XXXX it shows a withdrawal of XXXX was made.