23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Wire sent to CITIBANK , N.A . and received by CITIBANK, XXXX, according to the Federal Reference Number missing since XX/XX/XXXX On XX/XX/XXXX, I initiated a domestic wire transfer for {$2700.00}, which received Federal Wire Reference Number XXXX from account ending in XXXX at XXXX to account ending in XXXX at CITIBANK , XXXX XXXX with further instruction to my XXXX account. The receiving account at Citibank, ending in XXXX belongs to XXXX. It did not arrive as expected. 

I called XXXX the same day, next day and a week after and several times after that. They instructed me to wait to recall until a few days passed, I then recalled the wire and it never came back. I spent hours on the phone with all XXXX banks and with CITIBANK XXXX XXXX because that's where the trace had shown the wire was at. I have not been able to get an actual status update from any of the XXXX banks. I spoke with CITIBANK several times as well since the wire was confirmed to have made it to them. CITIBANK looked up the reference number and advised to recall it again, so I did and nothing and then they gave the same advice again, so I recalled again and nothing. 

CITIBANK then told me they can not help me because I don't have a checking account with them, but they have my money! 

So here 's what I know : XXXX  sent XX/XX/XXXX Wire recalled 3 times from XX/XX/XXXX through XX/XX/XXXX Wire arrived at CITIBANK for account ending in XXXX on XX/XX/XXXX Wire has been traced, recalled and tracked and did arrive at CITIBANK, however, they will not update me and they are in possession of the {$2700.00} that belongs to me CITIBANK is now unwilling to help me after several calls and hours on the phone I don't know how to get CITIBANK to release my money This has been incredibly frustrating over the course of months and that's a huge understatement. The banks have made me feel like I'm a worthless waste of their time and they clearly don't care at all about getting my money returned to me. I don't understand how a Federally Managed system of money transfer, like wiring can be so open to funds being lost and then nobody having to be accountable for it.
Product: Student loan

I was permanently discharged from my student loans due to my being permanently XXXX. I received a letter from the department of education that my loans are being reinstated due to me not sending proof of my income. This isn't true. I did mail them the information like. My income is only {$11000.00} I am unable to pay for my student loan. But the department of education isn't having any mercy on me. They can also look me up and see how much income I have,
Product: Credit card

Chase Card Services for Southwest Rapid Rewards is trying to bypass the CAN-SPAM requirements for having unsubscribe links in their marketing emails by labeling them as " updates and information about your Chase relationship ''. I do not want messages about how I can " Earn more points on the go '' and want want to opt out, but there is no clear way to do so on the email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently a victim of identity theft, Transunion, XXXX, and XXXX  continue to report fraudulent activity on my credit report. XXXX XXXX has been filed XX/XX/2019, they did not comply within 5-7 business days according to federal law.
Product: Mortgage

For the past 3 years Wells Fargo Home Mortgage has failed to pay real estate taxes from my escrow, resulting in past due tax fees. The first year I was traveling on business for several months and came home to multiple overdue notices. I paid all the taxes out of pocket along with the late fees, and had to wait until the end of the year for the escrow account to reimburse me the yearly escrow balance. The second year I called Wells Fargo after the taxes went un-paid. They paid the taxes from my escrow, and they paid for the late fees. The third year I called 2 months before the taxes were due to let them know a tax bill was coming. I called 2 weeks before the payment was due to remind them again. The taxes were still paid late, resulting in a late fee of {$21.00} and they sent me a letter stating that the late fee would be coming out of my escrow.
Product: Prepaid card

On XX/XX/2024, I purchased a Vanilla Visa Gift Card from XXXX XXXX and loaded {$190.00} onto the card. The card has a {$4.00} purchase fee. Once I got online to make a purchase at XXXX, the transaction was declined with a disclaimer to contact the card merchant. I proceeded to attempt to link the Vanilla Gift Card to my existing XXXX account but it was unsuccessful. After growing concerned, I went onto XXXX to ensure my card was activated properly. I created an online account, entered the information from the card and was able to see my available funds, the failed transactions with XXXX as well as XXXX. I then contacted the phone number on the back of the card. That phone number sends the customer through an automated IVR system in which it's difficult to reach a live agent. After pressing each option, the only way to speak with an agent was to select a lost card prompt. While speaking with the representative I was advised that Vanilla Visa cards have certain measures in place for the customers protection. Then the representative offered to send me a replacement card in the mail when I inquired about a refund and how their policy makes online shopping a frustrating less-than ideal experience. I want to make this complaint public as it's likely other consumers have run into the same issue with Vanilla Visa cards new policies and user guidelines preventing purchases under major corporations and unable to link to XXXX accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel I have been a victim of Identity Theft from several Data Breaches. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. I was a victim of the 2017 Equifax Data Hack that 147 Millions credit reports were stolen while on Equifax 's watch. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I closed my checking account, savings account, debit card and online banking with Santander Bank in XXXX 2016. In XXXX 2016 they sent a bill payment through my closed account to another bank. The other bank charged me {$15.00} NSF fee due to returned check. I called Santander bank to find out why they sent a bill through a closed account, their response was that my bill payment service was n't closed. They said I had to request it to be closed separately. I said it makes no sense, if I closed all my accounts and online banking, why would bill pay remain open. After speaking a supervisor name XXXX XXXX, she asked me to fax her the letter that showed the other bank charged me {$15.00} which I did few weeks ago. Now I 'm getting a run around. She tells me she ca n't refund the money because I do n't have an open account. Now she 's not returning my phone calls. Every time I call the bank, I have to explain my situation to a new representative. I have left several messages for her but have n't heard back. I find it very deceptive and poor customer service. First they cause me a fee and then they wo n't help resolve the issue or refund the money.
Product: Checking or savings account

I am the general executor/trustee of the XXXX XXXX XXXX XXXX XXXX 
I am taking the time to correct the record. 
pursuant to title XXXX XXXX XXXX XXXX A & XXXX. 

im requesting you send me XXXX this is last attempt before your silence and over 90 days no response is Acquiescence.
Product: Student loan

XXXX of XXXX I signed a promissory note for a student loan with Wells Fargo. The loan refinanced a student loan I took out to attend XXXX University. When the loan was made I elected online delivery preferences for statements and notices. I received notices each month as expected through XXXX. When I logged-in XXXX XXXX, I noticed that all billing statements were missing for XXXX XXXX - XXXX XXXX. I messaged Wells Fargo, spoke to a customer service representative and a supervisor in order to track down the missing statements. I was told that the statements were not generated and were not historically available. The lack of billing statements hinders my ability to keep track of my loan. I setup direct deposit and online statements so that my time would be freed up to do other things, like work to pay off the loan. Wells Fargo states that the billing statements were not generated because they received a returned piece of mail, but it 's not clear why that should impact online billing statements -- I have n't experienced this with any other lender. I elect online statements that reduce Wells Fargo 's printing and mailing costs, but they 're not holding up their side of the bargain by making all of my statements available online. Please help. Thank you.
Product: Debt collection

I am writing this due to non-compliance with the PRIME BUSINESS SERVICE. THEY HAVE FAILED TO REMOVE INFORMATION THAT WAS AFFILIATED WITH PERSONAL DETAILS THAT WHERE CHALLENGED IN THE PAST. 

I strongly believe they are in violation of the FCRA and are refusing to uphold the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove the inaccurate account immediately I have been presenting so many physical proof To Equifax and always, always Equifax reported Acceptance now as verified accurate My question is now if the contract or agreement doesnt match with any credit reporting agency From where Equifax gets this verified accurate report 1 the agreement from acceptance now doesnt have my signature 2 the agreement from acceptance now only have the signature of employees 3 this is illegal 4 Equifax keep reporting this illegal agreement as verified and accurate violating my rights with this unfair act I want to hear what Equifax will say in court to a judge This will be the easiest law sue I will win
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding Account # XXXX. I notified Chrysler Capital and All 3 Credit Bureaus of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) and the Fair Credit Reporting Act, along with the corresponding local state laws. I indicated to them that I was is disputing this account and I am requesting " validation '' ; that the Vehicle Purchased from XXXX Chrysler XXXX XXXX XXXX in XXXX XXXX XXXX was not sold to me as a lemon. I was in pursuit of filing a claim with the State of NY Lemon Law when the vehicle was towed. I have never fully utilized the vehicle while in my possession because it was in Chrysler Capitals possession the majority of the time I was paying for it the vehicle was in the Mechanic shop. The vehicle had various electrical and mechanical issues from the day I bought it. It was purchased on XX/XX/2018 and two days later began the issues of fixing the issues. I have filed a complaint with the NY Dept of Motor Vehicles about the sale of vehicle XXXX # XXXX. I asked that Chrysler remove this account from all 3 credit Bureaus.
Product: Checking or savings account

Hi, I am looking to dispute a transaction that happened on XX/XX/year> for {$160.00}. The item was a XXXX  sold by a seller from XXXX. I sent the item back and tried communicating with a rude seller about the issue, and the seller began ignoring out of nowhere and refused to help with the issue. Since they are now unresponsive, I am seeking refund through PayPal by disputing the transaction XXXX. The laptop from the seller began to malfunction within their 3 month refund policy. The Ups tracking number for returned item is XXXX XXXX XXXX XXXX XXXX XXXX Delivered On Wednesday, XX/XX/XXXX XXXX XXXX XXXX XXXX order # XXXX
Product: Debt collection

I disputed items inaccurate on my credit report. Mainly debt not owed, or duplicated debt that shows paid off, and new debt from the same company appeared almost a year later. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency.
Product: Student loan

I have been in the IBR repayment plan for probably a few years now. In XXXX of 2016, I reapplied and only received a response from Navient in XXXX, 2016 that my application was received. I did not receive any other correspondence from them until last week when I received a letter with a payment booklet stating that my payment would begin in XXXX in the amount of just under {$800.00} per month! I called to inquire about the status of my application and was told that my application was rejected because a " box was incorrectly filled out ''. Again, I never received any notification of this. I asked if I could amend the application and was told that I would need to reapply and that my account would likely go into default in the meantime. This has happened every single time that I have sent in any application to Navient. It either is not processed, lost, or claimed to have not been received. 
Additionally, I have previously requested ( I believe from XXXX XXXX - before the account was transferred to Navient ) verification of the debt, including all signed promissory notes, and a full accounting of original debts with all fees and interest detailed. I have never received that information. I would also like to add that I have been completely mislead about these loans from day 1. I was never explained anything about the interest rates, loan terms, repayment options or anything of the like. This trend throughout the life of this alleged debt has not changed. Supposedly, my initial borrowed amount was around {$22000.00}. It has now escalated to {$65000.00}! In previous years, during financial hardships, I was never offered any other option other than request forbearances and deferments. With that, I was not relayed that interest would accrue, or the rate at which it would. I found the IBR program on my own. It was never presented or offered to me. I was never informed that any interest would accrue while in the IBR plan. I sent an inquiry to Navient a week ago asking what I need to do to reapply, but ( as usual ) have not received a response. I am so furious and confused that the original ( alleged ) amount borrowed of $ XXXX has now escalated to over $ XXXX, which includes a recent addition of {$9000.00} in interest! This makes no sense, and in my opinion, is absolute robbery! What can be done to improve the communication with Navient? What can be done to make these loans more affordable? With student loan debts surpassing credit card debt at over a trillion dollars, this is a crisis that needs better options that the ones available - and definitely a better loan servicer, with two-way communication - other than Navient.
Product: Credit card

applied for credit card with USBank that promised a free XXXX night with every award reservation. Paid the annual fee and met the spending threshold. Then they changed the card terms to take away the benefit
Product: Debt collection

I have recently come across information from the Federal Trade Commission website, more specifically The Gramm-Leach Bliley Act 15 U.S. Code 6802 - Obligations with Respect to Disclosures of Personal Information Notice and Requirements, except as otherwise provided in the sub-chapter, a financial institution may not directly or through any affiliate disclosed to a non-affiliated third party. In general, a financial institution may not disclose non-public personal information to a non-affiliated third party unless : A ) Such financial institution clearly and conspicuously disclosed to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title that such information may be disclosed to such third party.

B ) The consumer is giving the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such third party. 

C ) The consumer is giving an explanation of how the consumer can exercise the non- disclosed option. 

Discover Bank did not disclose this information to me that is required by LAW. Discover Bank knowingly and willfully withheld pertinent information regarding the disclosure of my information to an affiliated and non-affiliated third party Discover Bank knowingly and willfully withheld information that explained how I, the consumer, can exercise that non-disclosure option. 

You are in direct violation of several federal laws. 

You have 10 calendar days from the receipt of this letter to DELETE this account from all credit reporting agencies that you have furnished this information to, along with all my consumer reports that this information is on.
Product: Vehicle loan or lease

I have not had a single positive experience working with Truist. I am XXXX XXXX XXXX, serving in XXXX. I have no possible way to access my account. When I moved here, my loan was with SunTrust. It switched to Truist with no notice or explanation. I lost all access and ability to even make payments! They would not do anything for me, and the only way to try was to place an hour long international call on my cell phone. They refuse to speak to me any other way. Each time I call, they talk in circles, and say that I need to try and call back. Each time they say they will leave a note on my account, but I call again and start from square one. Their incompetence is so outrageous it feels like it is malicious. 
I now am trying to sell my vehicle so I can be free from them. They can only send a payoff letter via fax, and not to an international number. So there is the first problem. Second, the XXXX government requires a letter from the bank giving permission to sell. I have spoken to them twice, and I am on the phone for hours with no answer. I'm stuck over here in XXXX, and they know I have no options. Yet they refuse to find any solutions to the problems that they create.
Product: Student loan

Made payments with minimal reduction on the principal. The current principal amount is higher than the month prior after making a payment. Also receive conflicting information When discussing lower payment options with customer service. Forbearance was recommended when we were having trouble making the monthly payments instead of lowering the monthly payment amounts or lowering the interest rate.
Product: Vehicle loan or lease

On XXXX XXXX I purchased and finance a Vehicle XXXX XXXX XXXX from XXXX XXXX XXXX and a week after I had to return to the dealership to advised them the vehicle was consuming a lot of air freezer and when driving it at over XXXX ml it loose potential and Check engine light was on all the time. I left it to them to fixed it and after 1 week they requested for me to pick up my vehicle that it did not have any issues. Continue with the problem and when again back to the dealer to get it fixed or to exchange for another vehicle. The Sales Manager XXXX XXXX when ahead and said to take it to the XXXX Dealer to get a Diagnostic he referred us with the XXXX XXXX in which they did a Diagnostic and after he got the repair amount he said he was not going to fixed it and told me to go back again for a second Diagnostic again he decline to pay for repairs. I then decided to take my vehicle to the dealer and told him I wanted my money back and my car payments I did for something they sold that they knew it had problems they did not even get the vehicle a full service when they sold it to me that was the XXXX Mechanic told me. Since I dropped off the vehicle on XX/XX/XXXX I have not received any call from the Dealer to resolved this problem. This people are doing bad business by selling cars that are defective with mechanical issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month, in XX/XX/XXXX, a Collection Account by XXXX XXXX XXXX was placed on my Transunion Credit Report. The Date of First Delinquency shows as XX/XX/XXXX ; Why wait 6 years later after the Date of First Delinquency to place this on my Credit Report??!! The original creditor for this Collection Account is XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of doing business with this company AFTER my Chapter XXXX Bankruptcy filing in XX/XX/XXXX, which was 8 years ago. The public record for my Chapter XXXX bankruptcy filing is on my Transunion, XXXX, and XXXX Credit Reports until XX/XX/XXXX. The Date of First Delinquency for this Collect Account must have been re-aged to the year XXXX in order to place it on my Credit Report. Re-aging Account dates, especially the Date of First Delinquency, is a serious FCRA offense. I have tried to dispute this Collection Account with Transunion because it is too old, which is past 7 years since the correct Date of First Delinquency ... Reference FCRA Section 623 ( a ) ( 5 ) ( A ). This erroneous Collection Account is holding up processing of my current Home Refinancing application.
Product: Credit card or prepaid card

Long story short : on XX/XX/2021 an unknown person with the email address XXXX used my credit card number for a transaction on XXXX XXXX  for {$100.00}. I informed Citi credit card. It took over four phone cals to cancel my card and get them to file a fraud report. They investigated with XXXX and XXXX claims that I authorized this unknown person to use my card. They also claimed that I own a business, which I emphatically do not. I looked up the website and it originated in XXXX. There is no contact information on the website -- it appears to not be a operating business. The credit card company only showed that someone used my stolen number. They did nothing track down the person who did this and did not in any way show that it was me. I have no previous purchases on my card that suggest that I own a business or make business purchases. The charge is a complete aberration in my account. Usually this is caught by the CC company before the charge even goes through. Without any paperwork or evidence the CC says I authorized an unknown person to make a business purchase on my personal card. I spent hours on the phone trying to get the report filed properly and get my credit card cancelled. Thought they assured me each time that it was taken care of, it wasn't until I talked to a fourth rep. I am also making a report to the police as I am concerned that XXXX is claiming that I own a business. Though I have has this credit card for years, I will be resubmitting the rejection of my fraud complaint and cancelling my card. I have no faith that Citi has adequate security. The let my numerous phone calls fall through the cracks.