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

Hi Everyone, I am concerned that no one is helping me and CITI BANK and that others are also dealing with this issue with CITI BANK. I can't even verify at the branch I opened my account with. 

I opened my account in person, was able to verify all of my information, at the CITI BANK - XXXX XXXX XXXX on the XXXX of XX/XX/2024 deposited a check from the United States Treasury Department a Check from the Government. I waited 3 days for the check to deposit. Then I had access for one day after that my account was blocked. I can't see my money, touch my money, or even get answers about my money. My CITI BANK account has been blocked since XX/XX/2024. 

I call CITI BANK and they transfer me to the CITI BANK " FRAUD '' Department. I verify all of my information over the phone as well and they say I would receive a reference number 7 to 10 days. I was told this on XX/XX/2024. I have not received a reference number. I have called multiple times and no one seems to have an answer for me. The call ends in " SORRY TO HEAR THAT BUT YOU HAVE TO WAIT FOR A REFERENCE NUMBER ''. We have exhausted all possible solutions. 

Now I have no Idea who to speak to at CITI BANK or who to go to at CITI BANK. My money is blocked no access. I do not understand how I was able to receive my debt card form CITI BANK and other letter confirming my account from CITI BANK and congratulating me on opening my account from CITI BANK all of these letter were received no later than a week from opening my account but no reference number has been received from CITI BANK. It is now XX/XX/2024. 

A fair solution would be for me go to the bank to verify in person and for CIT BANK to allow me access to my account. I will bring my social security card, My address Verification, my ID, My Birth Certificate, My Passport and any reference Citi bank needs in person to verify. 

The CITI REPS ARE NICE but THE SYSTEM AT CITI BANK does not make sense. 

Anyone would be concerned at this point.
Product: Student loan

On XX/XX/XXXX I submitted, via email, a School Misconduct Discharge application for a XXXX student I obtained XXXX XXXX XXXX XXXX XXXXXXXX. On XX/XX/XXXX, Navient stated they were unable to retrieve the documents and requested I submit them using another method. On XX/XX/XXXX, I mailed the application to Navient for review. I have not heard anything from them regarding discharging my loan, but today, XX/XX/XXXX, I have been informed that my loan is now being transferred to another servicer, forfeiting my application and my discharge request. I feel this is an intentional attempt to prevent my discharge and would like for the transfer to the other servicer be blocked until a thorough review and of my discharge application has been completed.
Product: Credit card or prepaid card

I noticed someone had fraudulently accessed my unemployment card and somehow was able to make numerous charges at XXXX XXXX and XXXX, XXXX, XXXX XXXXt XXXX and XXXX XXXX in XXXX XXXX. I live in Georgia and have not been to XXXX in over 7 years. The card was never out of my possession. I am just wanting my money returned to me and to prosecute whomever stole my information. The credit card company is doing nothing about it and basically saying not our problem instead of helping me resolve this. Can you please help me get my money back rightfully in my account. The fact the Go Program is being so frivolous about someone fraudulently stealing my card number with them and using it without my consent is very alarming to me. Any help is appreciated.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX Balance Owed : {$970.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Prepaid card

I recently opened a NetSpend Prepaid Debit Card account and would appreciate NetSpend credit my account with the {$20.00} referral bonus as part of the Refer-a-Friend program. 

I opened my NetSpend account on XXXX XXXX, 2015, received and activated the prepaid card on XXXX XXXX, and funded the account on XXXX XXXX. Soon after, I received an automated notice that my account is not eligible for the {$20.00} bonus on XXXX XXXX. 

Since then, I have attempted on multiple occasions to contact first-line customer service representatives, as well as the executive office, or " corporate response team '', but I have continued to encounter difficulty as NetSpend has refused to honor the referral bonus despite my meeting the Terms & Conditions of the program. 

The Terms of the referral program state : " A cardholder may receive an unlimited number of Refer-a-Friend rewards while program is available. No rewards credited to either party if referred individual had a NetSpend card that was used for a value load, purchase, cash withdrawal, or incurred a balance inquiry fee at any time during the 180 calendar days before the day the {$40.00} load requirement is fully met. Cardholder-to-cardholder transfers do not count toward the minimum load requirement. Allow 2 business days for {$20.00} credit to appear on each Card Account. " As this is my first NetSpend account, my opening deposit was the first time my account was funded, clearly fulfillng the " no value load ... during the 180 calendar days before the load requirement is met ''. 

In the course of repeated communications with customer service and the " corporate response team '', specifically XXXX XXXX, I was told my opening deposit did not suffice as a value load, so I performed an additional load via mobile check deposit on XXXX XXXX that cleared into my account on XXXX XXXX. 

I would appreciate NetSpend honoring the Refer-a-Friend program in correcting this error and crediting my account with the referral bonus.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( XXXX ) 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened without my knowledge. I have already notified the company that this wasn't my account yet it still remains on my credit report. XXXX XXXX XXXX XXXXXXXX account # XXXX. I have a court order declaring me a victim of identity theft. I also have a letter from the District Attorneys office that states that someone is using my identity She got pulled over and gave my ID while I was 2000 miles away. Please delete this account immediately from my credit report. Equifax has chosen to repeatedly ignore my Court order declaring me a victim of identity theft and have left these fraudulent Accounts on my credit.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates ( XX/XX/24 ). I'm not requesting you investigate and provide verifiable proof with records showing that I had a late payment. If this information can not be verified I demand these payments be updated to " paid '' status on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I notified Transunion that the collection account on my credit report does not belong to me. I contacted the collection reporting company on my file and was told that I do not have a collection account with them. Transunion did not do an accurate job verifying my information because they would see that my name, address and social security number does not match with the collection account. I am unable to get any written information from the collection company because the account does not belong to me.
Product: Money transfer, virtual currency, or money service

WELLS FARGO BANK ISSUED ME A CHECK FOR {$200.00} on XX/XX/XXXX : 2022 XXXX See image. 
This check was stolen and cashed by a fraudster.on XX/XX/2022 The Bank ID NUMBER FOR THE FRAUDSTER IS XXXX Sequence number XXXX I am not of XXXX origin. 
This check was cashed by a person of that XXXX origin.
Product: Debt collection

IMMEDIATE CREDIT RECOVERY INC, is listed on my credit report as a derogatory mark. The debt with XXXX XXXX XXXX XXXX has been paid in full, on XXXX 2016. I would like Immediate Credit update there records and remove this from all credit reports.
Product: Vehicle loan or lease

I was a Wellsfargo Auto customer back in or around 2011. I fell behind on payments due to loss of job. Finally was paying back and making payments. I scheduled my final payment through my banks bill pay system the date I told the collections banker I was. This last payment was sent and would have brought my account current. Wells Fargo repossessed my car anyway, even though I was at that exact moment no more than one payment behind. I recently read an article indication that I may be owed compensation due to their predatory practices. I tried calling customer service but without some code from a letter, they would not connect me to a department to see if I was owed anything. The article I read provided the link here as my next step.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an item on my credit report. An account by Wells Fargo is incorrectly on my credit report. I sent a cease and desist letter by certified mail to Wells Fargo on XX/XX/2021 to have them stop harassing me with phone calls and unwanted communications and they keep calling. I never gave them permission to place any of my personal information to the credit reporting agencies. I have asked them to provide proof of me ever giving permission to have them sell my information and they have failed at that. I have contacted XXXX, XXXX and XXXX about a fraudulent account on my credit report and they have all failed to do their jobs which they are required to do under the FCRA. I submitted an FTC report and 2 forms of identification and they have failed to block this illegal account. I am filing this complaint against Wells Fargo Dealer SVC for Account XXXX. I am filing this complaint against XXXX, XXXX and XXXX for not blocking this information from my credit report. I submitted this information to them over 30 days ago. It was sent on XX/XX/2021 and no action has been taken. Very illegal!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware by an article I ran across online on XXXX/XXXX/XXXX that TransUnion had a system glitch on two separate occasions. One in the Summer of XXXX and another in the beginning of XXXX where inquiries were removed from consumers credit reports and then added back to consumers credit reports without providing them with prior knowledge of the glitches removal of said inquiries and of the inquiries being added back to consumers credit reports. 

The article further stated that the consumers should have received notification five days prior to the inquiries being added back to their credit reports, but I was never notified about the glitches removal of inquiries from my credit report nor was I notified five days prior to the inquiries being added back to my credit report. The article also stated that consumers should contact TransUnion immediately about the two glitches incidents because it is illegal to added the inquiries back to consumers credit reports without five days prior notification. 

So I contacted TransUnion on XXXX and informed them of the information I had just read and informed them that I was never notified about the glitches removing inquiries from my credit report and TransUnion adding the inquires back to my credit report. I also stated to the TransUnion representative that I am requesting that any and all inquiries on my credit report that were involved when these two glitches occurred be removed permanently. 

I was informed by the TransUnion representative that I must provided them with dates where I noticed that inquiries were removed and added back to my credit report. I asked the representative how can I tell you that when I stated that I 'm just now hearing of these glitches incidents. The TransUnion representative stated without me providing dates as to when I noticed inquiries being removed and added back they can not see if I was affected. 

I then stated to the TransUnion representative that I can only provided you with dates where my credit score increased and the decreased around the time of the said glitches incident because removing the adding back inquiries would impact my credit score. The TransUnion representative then stated that information would not help her, she then stated again that she needed the actual dates when I noticed the removal of inquiries and when they reappeared. 

Again I asked the TransUnion representative how would I know this information when I did n't know the glitches had occurred? She informed me their was noting she could do without it and she could not and would not remove any inquiries.
Product: Credit card

Closed account because they determined I was high risk for not paying. Just want other people to know they offer you credit and then close account ruining credit. Was also locked out of account and was told I would have to wait for it to go to a debt collector before paying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling with Equifax, since XX/XX/2023. They are reporting my accounts as late and that is incorrect. I have called them, disputed online, and sent in dispute letters, yet they fail to correct these errors on my credit report. I also contacted the creditor of the accounts to confirm their status and in fact they don't have any deliquencies on record so i dont understand why the Credit Bureaus continue to report me late on these accounts. Also most of these accounts are showing differently in each bureau credit report which makes no sense since all 3 bureaus have to report the same information. To my knowledge these late payments are inaccurate and under 15 U.S Code 1666 ( b ) billing error, I have the right to request for removable of late payments! According to the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j the creditor must provide me with PROOF that I was indeed late but they CANT!! This inaccurate reporting is hurting my financial well being and is totally unfair. I already have a hard time as an XXXX XXXX XXXX in this country having a bad credit report just makes things harder for me. And the information on my reports is wrong, this is clearly a billing error and a violation of the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j. I beg please hold these credit bureaus accountable for their credit reporting practices.
Product: Student loan

I was awarded more financial aid than my credit score would qualify me for. I had to take out school loans just to cover the required books and class requirements. The interest alone has added XXXX to the balance. I feel like it was predatory lending. My income verification should have shown I could not afford the payments. I can not afford a house and I'm XXXX XXXX XXXX. The education I received did not educate me enough for the debt incurred. The classes I took I have used to gain employment. {XXXX} per hour. Not near worth XXXX for online certifications. I wish I could buy a home.
Product: Vehicle loan or lease

My car was totaled in a hit in run accident they are continuing to add fees and charge interest rates even though my insurance and gap has paid off more than most of it. My bill of sale and my retail installment contract are two completely different things my bill of sale says Ill have paid off XXXX and some change by the time the cars paid off and then the retail installment contract says XXXX would be paid off. Im just confused and lost Ive called and asked about it because my dad says I should have the car paid off by now it has been 2 years and my car payoff quote never reached below XXXX in the 2 years I have been with Westlake finicial
Product: Payday loan, title loan, personal loan, or advance loan

I paid off my loan with thie company back in XXXX I filed a complaint with your office in XXXX for collection activity on my bank account. This company id still trying to take money out of my checking account and continues to harrass me with collection calls daily multiple times a day. My previous compliant number is XXXX. I am tired this has been going on since XXXX of 2023. The lease number is XXXX.
Product: Student loan

Hello. Why was I reported 4 times without warning??? I have never received a letter. All of a sudden out of the blue, when all my credit is almost perfect, I'm hit with this without negotiation. I feel it's extremely invalid and unfair and I'd like to fix this immediately.