23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My time as a Citibank credit card customer has been marked by a lot of fraudulent transactions against the account. So much so, that I've changed account numbers three times so far. 

In XX/XX/2021, I notified Citibank that I'd discovered significant fraudulent charges to my account going back to XX/XX/XXXX of the same year. In XXXX, I discovered additional fraudulent charges, bringing the total to 193 total transactions between XX/XX/2021 and XX/XX/2021 totaling {$3500.00}. 

I have made repeated efforts to reach Citibank to get a status on my dispute and each time I get transferred to different departments, but have not managed to get anyone to give me a concrete answer as to where things stand and how long it will take to resolve my dispute. After almost three months since my report of the dispute, I have received two letters from Citibank stating they are continuing the " investigate '' the dispute. Thus far, accessing my account online, I see only a total of only 28 transactions aggregating to {$630.00} has been resolved. This represents only 15 % of the total disputed transactions and 18 % of their dollar amount. 

This has been a highly frustrating experience and one where I'm not getting timely resolution on my dispute. As I understand, the card issuer has, by regulation, a requirement to resolve disputes within two billing cycles. Citibank has not complied with this regulatory requirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law, ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : {$0.00}
Product: Credit reporting

I called Transunion to dispute a hard inquiry on my credit report due to fraud and they refused to dispute it referring me to the company. XXXX..I called this bank already and they told me there is no application for me. There is only an Rooms to go account that I have been an authorized user on since XXXX. That is no reason for them to check my credit in XXXX. This is fraud. No one seems to care when I call XXXX or Transunion. They are so unhelpful. Neither company cares that someone has attempted to get credit in my name or pulled my credit without my permission.
Product: Checking or savings account

I used an ATM at a XX/XX/11 and the card was declined. However, after checking my account the transaction had cleared. I called the bank, and the agent said she could see the transaction was declined and it should be reimbursed to me by the end of the next business day. That didnt happen. I called again, and filed a claim. The claim was immediately shown as resolved but only the service fee of {$3.00} was returned to me and the {$300.00} that I had tried to withdraw from the ATM was still not given to me. I called again and the next agent said there was nothing she could do. This transaction was on the first of this month, and Ive gotten the runaround and given different information every time I call my bank about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened up an account with XXXX design with Synchrony Bank XXXX XX/XX/2021 my limit was {$3000.00} dollars and I paid a lump sum of the that amount leaving me with a bill {$530.00} they then decrease my limit just a few dollars above my balance to XXXX XXXX.Then without notice to me and all my payments were on time my credit score actually went up since I applied for credit from them now my credit score dropped XXXX points because they have reported Im using 94 % of my credit limit which is wrong they change my limit for no reason explained to me at all. This company unethical behavior has hurt several familys and there are many reviews and complaints from consumers as myself. This here is unfair to all
Product: Credit card or prepaid card

I 've had a Southwest credit card with Chase for several years now. When I opened the account I was told there would be no annual fee yet I 've just discovered that they have charged me a {$99.00} annual fee three times ( since 2015 ) without my knowledge or consent. When I contacted them after realizing this I was told that the fee for the first year was " waived '' and that they will not waive or refund the fees. This is classic bait and switch and a clear violation of UDAAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX with Freedom Mortgage will under no circumstances will not return any phone calls. Since XXXX ; she'll call me when she needs financial documents that day. I've called five times in eight days requesting final documents. Yet she still hasn't responded in any form. Her actions, or lack of, has caused financial strain. Due to my property tax due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft ACCESS CREDIT MANAGEMENT XXXX XXXX XXXX XXXX  AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX
Product: Mortgage

While processing a refinance mortgage with Freedom Mortgage on multiple occasions they provided inaccurate paperwork and broke the terms of the closing documents. First, after requesting a mortgage without an impound/escrow account, Freedom Mortgage sent a set of summary disclosure forms with an impound/escrow account included. We refused to sign and Freedom Mortgage eventually sent a set without the impound account, which we sign and should be on file. Later Freedom Mortgage sent closing documents with the impound/escrow included, against our will. 

Weve spoken with representatives with Freedom Mortgage, filed a complaint on their messaging service, indicated we wished to cancel the refinance and have forwarded emails as requested. Its been XXXXour weeks and we have not received a reply or follow-up from Freedom Mortgage. In fact, per the closing documents the first payment wasnt due until XX/XX/2021, but regardless of our request to cancel the refinance, Freedom Mortgage closed our previous mortgage and deducted a payment on XX/XX/2021. 

In fact the only communication we have received from Freedom Mortgage was the result of a previous complaint we filed with your agency and in that response Freedom Mortgage failed to mention that they had not addressed our main complaint or broke the terms of the closing documents by processing a payment before XX/XX/2021. Instead, Freedom Mortgage only offered to refund a portion of the pre-payment fees they charged for including the impound/escrow account against our will. We have been very unhappy with the service provided by Freedom Mortgage and would prefer to work with a different company. If that is not an option, we would prefer that our refinance be processed as originally requested and that we receive a full refund of the $ 9000+ pre-payment fees ( impound/escrow ) that Freedom Mortgage included in the mortgage against our will.
Product: Credit card

In XX/XX/XXXX, I opened a XXXX XXXX credit card with Comenity Bank. In XXXX, I enrolled in automatic payments which would automatically pay my statement balance in full by the due date of each month. In XX/XX/XXXX, I was attempting to use the credit card at a gas station when the card was declined. I opened my app to see that the balance was past due and I had accrued substantial interest charges in the amount of {$83.00}.

I called customer service to inquire why my auto pay was not active and was told that it takes 1-2 billing cycles for the automatic payments to begin. I did not receive notice at the time of my enrollment that auto pay would not be effective at the time of my enrollment. I asked for the interest charge to be waived, but was told the company could only waive up to {$10.00}, which they did not do.
Product: Vehicle loan or lease

In XX/XX/year>, I had purchased a car that was financed through the firm Credit Acceptance from a dealership. 
After receiving the car, making the monthly payments on time and driving it from a few months, it was unexpectedly wrecked by a weather event and most specially a hurricane that damaged the car on the XXXX of XX/XX/year> in the XXXX region. 
I then started a Total Loss procedure given the car could not be driven given the damage caused by the weather. 
My right to the total loss procedure is included within my financing contract with the firm Credit Acceptance. In such a case, the firm is responsible for the car and needs to cancel the outstanding amount. 
However, after starting the total loss procedure and cancelling the monthly payments given the nature of the contract and the state of the car, the firm disregarded the numerous emails and documents that I have sent them pertaining to that procedure and said that I have not send any documents within the 120 days period notice, cancelling then my right for the total loss. 
Now, my car is still badly damaged, non-functioning and despite the total procedure, the credit firm is negatively affecting my credit report by displaying late payments in my account and still showing an outstanding amount of {$21000.00} that I should not be paying in normal circumstances.
Product: Credit reporting or other personal consumer reports

I wasn't aware that my credit wasn't frozen until I had to apply for some credit and then unfreeze my credit. Several times I checked and it keep saying not frozen and company 's were able to check my credit without me having to unfreeze it. I went some years thinking that my credit was frozen and it wasn't. If company 's are able to check without me saying it, how many people have used or able to get into my account without me knowing. I don't feel safe anymore.
Product: Vehicle loan or lease

I just surrender the car I think back in 2012 if I'm remembering correctly
Product: Vehicle loan or lease

I need to be Free and Clear of CPS. DEBT DUE TO XXXX FAILING TO DECLARE MY XXXX XXXX XXXXXXXX XXXX RECALL. THE ENGINE STOPPED ALONG WITH BAD TIRES, BRAKES, CAPIBLER, ALIGNMENT, CAR OUT OF CONTROL, REFUSE TO FIX UNDER WARRANTY, WHEEL BEARING.. YOU NAME IT! 
I HAD TO TOW IT BACK TO DEALERSHIP AT XXXX XXXX XXXX LOCATION OFF XXXX XXXX XXXX ALL PPL INVOLVED FROM SALES TO BANK HAVE ALL HAVE BEEN A TOTAL COVER UP.. I DID HEAVY RESEARCH AND FOUND PROOF OF NEGOTIAGTE
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX incorrectly reported a XXXX dya late payment on my credit report. I have made several payments within the 30 day gace period permitted after the due date, I asked for a full payment history of my account and never received it. Upon making the payment within the 30 day frace period i was told by the customer representative that I was within the 30 day grace period. Therfefore there would be no delinquent reporting in XX/XX/2023.
Product: Debt collection

At XXXX XXXX XXXX XXXX XXXX called me. They told me I was on a recorded line and asked me if I was XXXX XXXX and I said I was. Then they quoted to me what they thought was my last 4 social security ( ss ) numbers were. At this point I refused to confirm information as it felt very much like a phishing scam. It seems it would be unlawful to call some and quote a name and last 4 of ss numbers due to privacy breach laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear WFDS, My account, # XXXX, is displaying that I have disputed and I disagree on your results. This account is under good stating and I am 100 percent satisfied with your reporting on all levels expect in the " comments '' area as you can see by the image I provide. 

Could you please be so kind to remove the comments, as I am not sure why you would say I am disputing or disagreed to your report. I am not doing either!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian EXXXX Failure to remove XXXX information from my credit report
Product: Credit card or prepaid card

I am contacting you on behalf of my daughter who is XXXX. She opened an XXXX credit card through Barclays to purchase initially an XXXX  tablet for XXXX  XX/XX/XXXX. She was signed up for zero interest to pay off in 12 months. On XX/XX/XXXX she went to XXXX store to purchase XXXX. She put it on credit card to get " points '' and was to pay off when it showed up on her statement. She called Barclays and they stated payment would not go towards phone! Having now almost a {$1000.00} bill is VERY overwhelming and daunting for a XXXX XXXX   only working part-time! She was upset so we both called Barclays on XX/XX/XXXX and spoke with manager XXXX.I stated we were told we could pay off phone. XXXX indicated " no ''. I stated this was " bait & switch '' and I would be submitting a complaint.My daughter did make a payment for the phone including tax however it did not remove charges for the phone on her statement as they put it on zero interest for 6 months. I strongly believe this is how people get into trouble with credit cards! My daughter now has un-necessary stress as a result! Had she known this, she would have brought in cash. Someone should have stated that she would not be able to pay off following month.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the dectrine of estoppel by silence, Engelhardt v. Gravens ( 09 ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. 
These following collections are to be deleted per LAW. 

XXXX XXXX XXXX : {$220.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$720.00} Original creditor : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi! 
After reviewing my credit report and after much research, I notified XXXX Experian and XX/XX/XXXXto verify bankruptcy info on my reports. 
They responded saying they verified using a 3rd party, XXXX XXXXXXXX but my XXXX XXXX account is frozen. 
So how were they able to verify using that source. 
And XXXX XXXX has no permissable purpose to report 3rd party info as well as the credit bureaus dont have the right to report BK because they didnt do due diligence or verification directly from the court house. 
They must verify where they got the source of info from. 
Therefore I am filing a complaint to have the bankruptcy public record removed from my XXXX, Experian, and XXXX report.
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 XXXXXX/XX/year>
Product: Student loan

I have been making my payments on my federal student loans on time every month and do n't see any difference in the amount I owe. I even pay more than my required monthly amount when I can afford it and the amount still only goes down maybe {$50.00}. How am I ever supposed to pay them off and still be able to live and pay my other bills. I had XXXX private loans taken out for school as well and they are all paid off with paying my monthly payments and a little more when I can afford it. My school was XXXX College, XXXX Fl, which is now a XXXX University.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Several credit disputes were sent to Experian, XXXX and XXXX regarding the derogatory information on my credit report. It's not fair that these credit bureaus are not governed by law to respond any dispute requests that are sent to them. 

I want the below accounts investigated properly and I want a response back. I have been disputing these accounts for over 6 months. This is unethical and unacceptable. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- # XXXX XXXX XXXX XXXX- # XXXX Please start your investigation and verify this at once. - This is completely inaccurate. I would like to kindly bring to your attention that the data presented above appears to lack certification to meet the required reporting standards. Additionally, it is essential to acknowledge that this information may be incomplete, outdated, or unsupported. Therefore, I respectfully request the removal of any inaccurate or unsupported material from this record.
Product: Credit card

I am writing to file a complaint against the Navy Federal Credit Union regarding multiple overdraft fees, late fees, interest fees I have incurred, and unauthorize security deposit holds. Despite having sufficient funds when transactions 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: Credit card or prepaid card

I AM A VICTIM OF AN IDENTITY THEFT AND SOMEONE PRETENDED TO BE AND THEY OPENED AN ACCOUNT AT DISCOVER FINANCIAL SERVICES. THIS ACCOUNT WAS OPENED MAINTAINED WITHOUT MY CONSENT. I HAVE TRIED NUMEROUS TIMES TO SEND MY IDENTITY THEFT REPORT, POLICE REPORT TO THE BUREAUS AND TO DISCOVER BANK DIRECTLY. I HAVE ALSO SENT THEM MY POLICE REPORT. I MA NOT REALY SURE IF THEY WILL BE ASKING FOR BLOOD TYPE. THIS IS A FRAUDULENT ACCOUNT, CHARGES ARE FRAUDULENT AND ITS EFFECTING MY LIVELY HOOD.
Product: Credit reporting or other personal consumer reports

My CURRENT and ONLY address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
Product: Debt collection

On XXXX XXXX I made an agreement with Westlake financial services to pay off an auto debt. We agreed on a payment and it was paid off. I proceeded to ask for a settlement letter that I have yet to receive from the company. I have been calling several times each day. Im either getting disconnected or the response is they are sending a request to get the information sent to me.
Product: Debt collection

ABSOLUTE RESOLUTIONS does not reply to me to validate what they are reporting. Nor did they send me a notice of the debt originally.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion falsely claims that their company has did Investigations on 8 different occasions on the XXXX  XXXX XXXX # XXXX. According to the FCRA, 15 U.S Code 1681a - Definitions ; rules of construction- The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through PERSONAL INTERVIEWS WITH NEIGHBORS, FRIENDS, OR ASSOCIATES OF THE CONSUMER REPORTED ON OR WITH OTHERS WITH WHOM HE IS ACQUAINTED OR WHO MAY HAVE KNOWLEDGE CONCERNING ANY SUCH ITEMS OF INFORMATION. TransUnion has failed to do a proper and accurate investigation on 8 different occasions from the dates they listed in their previous responses according to the FCRA and this is a violation of my rights and the FCRA. TransUnion has also failed to SPECIFY how the XXXX  XXXX XXXX # XXXX was verified. The file I have attached to this complaint is a Copy of the Judgement with original creditor XXXX XXXX WITH THE TOTAL AMOUNT {$940.00}. There is also another party on the judgement as well. The address for the COURT HOUSE is XXXX XXXX XXXX XXXX  XXXX, XXXX, DE XXXX, In The Justice Of The Peace Court Of The State of Delaware In And For XXXX XXXX, Court NO. XXXX. The Collection company XXXX  XXXX XXXX is reporting the amount {$5000.00} which is Inaccurate according to the copy of the judgment Ive included in this email and which Ive provided to TransUnion in the past which they have neglected to acknowledge the information provided. According to the FCRA, 15 U.S Code 1681i - Procedure in case of disputed accuracy- 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 THE INFORMATION FROM THE FILE OF THE CONSUMER, OR MODIFY THAT ITEM OF INFORMATION, AS APPROPRIATE, BASED ON THE RESULTS OF THE INVESTIGATION. XXXX  XXXX XXXX and TransUnion are violating the FCRA, MY RIGHTS, AND THE LAW BY REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT AND FALSELY CLAIMING THEIR COMPANY HAS DID A PROPER INVESTIGATION ON 8 DIFFERENT OCCASIONS. TransUnion credit reporting company are violating my rights and this is a defamation of my character. TransUnion Credit Reporting company needs to remove the XXXX  XXXX XXXX # XXXX from my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Chapter XXXX bankruptcy in XX/XX/2018. Last week, the company RISE listed late payments on my account. This account was part of my bankruptcy. It needs to be removed
Product: Debt collection

Accounts : XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX   XXXX {$850.00} XXXX XXXX XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX XXXX  XXXX {$870.00} XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$44.00} XXXX XXXX XXXX XXXX XXXX XXXX {$42.00} XXXX XXXX XXXX XXXX IN XXXX {$44.00} XXXX XXXX XXXXXXXX XXXX XXXX  XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$490.00} I believe this is a bank account I did not open!!!