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

XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, XXXX XXXX Dear CFPB, I am writing to formally lodge a complaint against Citibank regarding discriminatory practices that I believe are affecting my ability to access and use my accounts. I have been a customer with Citibank, maintaining a substantial balance, yet I am currently facing significant issues with my debit card and account access.

Since opening my account, I have encountered repeated issues with my debit card being declined without any clear reason. When I inquired about these declines, I was told that my account was under review by the back office, and that I would receive an update within 24-48 hours. This review began on XX/XX/XXXX, and as of today, XX/XX/XXXX, I still do not have access to my account online, nor have I received any updates. 

I have verified with Citibank representatives that my transactions are legitimate and not fraudulent, yet I continue to face these obstacles. I can not help but feel that the treatment I am receiving is linked to my XXXX, as I have not encountered similar issues in the past with other financial institutions. 

This situation is causing me significant stress and inconvenience, as I am unable to access my own funds or conduct necessary transactions. I request that Citibank promptly resolve this matter, allow me full access to my accounts, and provide clarity on why these discriminatory practices are occurring. 

Thank you for your attention to this serious matter. I hope for a swift resolution. 

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

Included in my 39 page complaint. Equifax re ages alleged XXXX Charge Off account. XXXX  report attached. I have a XXXX credit score with XXXX and Equifax violation of laws is intentional causing DOCUMENTED emotional and financial hardship. Loss of credit and ability to obtain credit. Equifax has deleted Charge off XXXX account 5 times and re places on my credit report without notification or notification of re insertion. No XXXX  UCC11 SHOWS my name under no debt owed. Certified copy from the state of Michigan shall be available within two weeks. I have Equifax on 5 FEDERAL VILOATIONS OF THE FCRA act, Attorney General of XXXX   has been notified 3 times now of Equifax 's violations. Will be taking further action if not removed permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my account and noticed an unrecognized account on my credit report. I have sent multiple letters to the credit bureaus asking for evidence ( a signed and dated contract or agreement ) of the alleged debt. They have sent me the same letter multiple times, saying it is verified yet providing NO evidence. 

*FCRA Act Section 611 gives me the right to request an explanation of the verification method used by the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has many errors on my credit report and it has been sharing my privacy information to companies that XXXX has business partnership. 
On XXXX  credit report of XX/XX/XXXX they have somebody last four number Social Security # XXXX. That's not my last four. 
Also, Their investigations with the Derogatory remarks ofXX/XX/XXXX and past due of {$1600.00} is not correct. 
I didn't have no late payments for XXXX, XXXX or XX/XX/XXXX and in due of respect Prestige   put those past due payments of XXXX on the back of the my auto loan # XXXX.As I had to support my family in XXXX with Medical illness, Medical Expenses and Funeral Expenses from XXXX till XXXX. 
I also had Medical expenses and Financial Hardship in XXXX and XXXX as my XXXX has put me in pains and tribulations. 
I had XXXX in XXXX with XXXX XXXX XXXX of XXXX, California and I am still having pains and, Medical Treatments with Prescribed Medications. 
On my XXXX credit report of XX/XX/XXXX there is many Unauthorize Hard Inquiries that I didn't give written or Verbal Consent to pull my credit. 
I marked all Unauthorized Hard Inquiries with wording and marking of Delete. 
XXXX Credit Report is provide it for evidence. 

Also, Prestige Financial Services hasn't updated my timely payments on my auto loan # XXXX as of XX/XX/XXXX and all my timely payments for my auto loan with Prestige has been paid with my XXXX Checking Account ending XXXX XXXX Report # XXXX for XX/XX/XXXX has many errors and inaccurate information. 
XXXX, needs to respectfully update my credit report immediately and also place my Prestige  Auto Loan Account # XXXX to Current Status for XXXX, XXXX and XX/XX/XXXX and remove the derogatory remarks of {$1600.00} on my credit report of XX/XX/XXXX. 
Prestige Financial Services made a error also placing XXXX, XXXX and XX/XX/XXXX past dues of XXXX. 
Prestige agreement documents are presented to Consumer Financial Protection Agency, Federal Trade Commission and Department of Justice ADA Disability Civil Rights Act. 
I filed a ADA Disability violations and Discrimination and Retaliation against XXXX  Financial Services with Case file # XXXX filed on XX/XX/XXXX. 

According to XXXX XXXX XXXX credit monitoring XXXX Credit Report the derogatory remarks of 30-60-90 days late has been removed and my credit score with XXXX is around 680. 

XXXX  and XXXX hasn't removed the derogatory remarks on my credit report as of XX/XX/XXXX.My credit report with XXXX  and XXXX has inaccurate information and errors for many years. 
XXXX, XXXX and XXXX  and Prestige has violated my ADA Disability Civil Rights Act in which Discrimination and Retaliation has been implemented with Department of Justice. 
US Senator XXXX XXXX has been contacted on my issues with Prestige, XXXX, XXXX  and XXXX. 
I am XXXX XXXX and Retired. 
Urgent Matters!
Product: Credit card or prepaid card

Ive been with Netspend for many years going into my mid XXXX I have noticed for the last couple of years of XXXX and XXXX they will hold your money XXXX. 

Their advertising says two days before payday this is not true for customers that have been with them over the years falsely advertising. Its seems as they change banks its different rules. I have a dispute were I was scammed into paying someone {$150.00} by cash app for service, I got their names all phones numbers and receipts and social media handles that was on XX/XX/XXXX that I officially reported it also did a report to the state. 

It is XX/XX/XXXX XXXX XXXX  1 day before my direct deposit from my employer and I cant even get that. But its get paid two days before payday again false advertising. 

I have been pleading with Netspend to at least give a provisional credit until the investigation is over they will not budge. Save your self a headache and just deal with regular banks at least you know your deposit is on time. Dont schedule bill payments based off their promise of early deposits. 

No need to recommend I reach out to you Netspend I did all of that through email, account and phone.
Product: Checking or savings account

There's two compliants I would like to submit in one. 

The first compliant is that on XX/XX/2021, or XX/XX/2021, I purchased a ticket through XXXX to see a XXXX show in XXXX, XXXX XXXX XXXX XXXX XX/XX/2021. When I arrived to the theater at XXXXXXXX XXXX EST, two XXXX  Employees, XXXX and XXXX, see images, said to me the show was cancelled. I asked them if I could go another day. They said, " No, there's no more shows for the rest of the season. See this calendar. That's it. '' I didn't believe the guys at all. I perceived they were mistreating me/discriminating against me due to someone else 's request. 
So, I left the lobby, not the premise. Logged into XXXX  wifi, and filed a FTC.gov compliant on XXXX. Reference # XXXX. Later I emailed my bank at XXXX. Then I notified XXXX discrimination department because I flew in to NY on XX/XX/2021, via XXXX, Flight XXXX, with advance " purchased '' tickets. And I was discriminated by the XXXX XXXX XXXX XXXX XXXX ) from even showing up. They cancelled the show via email and typed REFUNDED immediately on XXXX. By XXXX, my refund was in the bank ; but that's not the case here. Here, I have not received a call from XXXX or XXXX XXXX. Now, when I log into my XXXX account, the word Can't has been REMOVED. Also, someone has changed the date on my Extended Stay XXXX XXXX ledger transaction from XXXX to XXXX. Why? 
It seems my TD Bank account, # XXXX, is getting tampered by someone and duplicated so that I don't see my refund. It's my account. It's a personal checking, and I don't appreciate someone trying to take over it. 
Everything I have purchased is with my self earned income. So, I don't understand why out of the blue " someone '' wants my account with the refund of {$97.00}. Why do they want my account and refund? And why is XXXX delaying the refund? The pictures speaks for itself. I paid airfare, hotel, and a ticket, XXXX XXXX XXXX XXXX NOT to be DENIED at the entrance. AND I was DENIED the ability to watch the XXXX show. To make matters worse, these adults don't stop picking on me in the midnight hours. That's out of my control. 
In conclusion, I am NOT the one initiating this REFUND. I am the one who was lied to at the entrance; Told XXXX would be refunding the money ; and that seems to be taking forever. Therefore, I'm submitting this compliant. I don't think they have any inclinations in ensuring I receive my refund. Nor have they type Refund anywhere. So, can you please have TD bank fix my account. It's mine, XXXX XXXX XXXX ; not XXXX 's, XXXX, or XXXX. Nor do I have to " share '' my ledger and activity with those people. 
Again, please have the online account fixed. 

Please close all duplicated accounts and ensure I receive my refund of {$97.00}. 

Thank You XXXX XXXX XXXX
Product: Debt collection

This debt is from XXXX XXXX, 2014 -- 3 years and 1 month old. This is a Medical Debt that 1. ) I did n't know existed 2. ) I understand that medical debts are not to appear on a consumers credit report.
Product: Debt collection

A company called Harris and Harris keeps calling our landline number saying we owe a debt. We do not have any debt and believe this is a scam call. Review online about the number calling us ( XXXX ) and asking we call them at ( XXXX ) indicates this is a scam company. We don't want to answer the phone or give any personal information. We'd like these calls to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute over false information in my credit report. Equifax responded by sending me a form email and blocking my access to my own credit report and blocking my access to the results of the dispute.
Product: Credit reporting or other personal consumer reports

ive been living in XXXX for a long time and iam a victim of identity theft i found a lot of accounts that are fraudulent and not mine and this is improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, please remove them from my report they are farming my report and i contacted all of them and there was no response and they didn't care XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this on has 4 : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I called Capital One concerning my credit card. I had made a payment to my credit card. They have reported inaccurate information on my card that has cause my credit scored to go down by 30 points. I make a payment and then the Capital One puts the interest fees on the card after I make the payment. It makes the card seem as if I have not made a payment. My card is now over the limit because of the high interest fees. I have discussed these high interest fees with Capital One and they told me since I missed a payment that they would not be able to lower my fees. I expressed to them that I have a long standing account with them and that I should be able to have my interest fees lowered on my card. The interest fees makes the card hard to pay off! 

Capital One states that I have a XXXX % on time payment rate but they still will not be able to lower my interest fees. I think this is unfair! My credit is suffering because of this! I have tried to resolve the issue with Capital One but they are unfair when it comes to this concern. I have looked up Capital One 's reviews and their are other customers that are going through the same concerns that I am. I need relief from this situation!!
Product: Credit reporting or other personal consumer reports

Transunion and XXXX has been constantly reporting late payments on my file since XXXX, I was not late. Ive disputed several times and told them XXXXXXXX XXXX  reimbursed me if fee. Please have them to take off late payments or delete account because it has destroyed my credit score. Thanks. They had violated all of my rights
Product: Mortgage

I went to XXXX XXXX with the American Financial Network for refinancing. He advised to go to the AFN site online to apply which I did. They sure did send me the non disclosure documents which I signed. My problem though is that he-my agent : XXXX ordered a {$600.00} XXXX XXXX dollars appraisal which I thought was very expensive. However, not too long after they got all the documents they requested, they turned around and told me that my income to debt ratio disqualified me. My problem and dissatisfaction is that I believe that this company and their agent should have checked if I qualify for the refinance I requested before ordering for such an exorbitant appraisal. And this is my complaint. 

Thank you very much.
Product: Checking or savings account

I received a " bonus offer '' advertisement through physical mail several months ago, where it was stated that any new Wells Fargo checking customer would be eligible for a {$320.00} bonus if a checking account is opened with qualifying activities. As a result, I opened a checking account with Wells Fargo online on XX/XX/year> with a promotion code. ( I have attached the front and back images of the advertisement card along with this complaint for reference ) On XX/XX/year>, I called Wells Fargo 's customer service number in an attempt to follow up on the status of my " bonus offer '', but was informed that I didn't meet the eligibility requirement. I discussed my situation with a customer service representative, expressed my disagreement regarding the " ineligibility '', and requested to file a complaint escalation. 

On XX/XX/year>, an escalation representative ( XXXX XXXX XXXX called me and once again went over my situation with me in detail. At the end of the call, XXXX committed that he will respond with an investigation result within 10 business days. 

On XX/XX/year>, I received an email notifying me that after a review of the promotional offer requirements, it was determined that I didn't meet one of the requirements. More specifically, the advertisement has stated that Wells Fargo requiring " receiving a total of {$1000.00} or more in qualifying electronic deposits to the new checking account within 90 calendar days from account opening '', but unfortunately, the investigation result has shown that while I have made a bank-to-bank transfer on XX/XX/year> which meets both the timing and minimum amount requirements, the transfer itself wasn't considered a " qualifying electronic deposit '' because Wells Fargo 's interpretation of a " qualifying electronic deposit '' is actually a " deposit of funds, such as your salary, government benefit payment, or other income, that has posted to your account and a direct deposit made through the ACH network, an instant payment processed through the real-time payment system or an electronic credit from third party service that facilitates payments to your debit card ''. 

With that, I still wholeheartedly disagree with the investigation result because I deeply believe that any regular customer would struggle in associating a " qualifying electronic deposit '' with a " direct deposit '' because the latter term typically carries a connotation of a recurring, periodic stream of incoming payments. Such confusing verbiage on an advertisement is misleading, and likely deemed deceptive from a consumer 's perspective.
Product: Debt collection

This is my online conversation with a Discover representative in which they refuse to accept my reduced payment of {$150.00} a month from the monthly amount of XXXX XXXX/month I have been unemployed since XXXX I am not able to make the complete {$200.00} but I have been making {$150.00} and you have not addjusted my account. Now I have bankruptcy attorney that we will soon XXXX XXXX in Florida in which Discover account will be included in my bankruptcy to be filed in the future should you proceed with collecting procedures and if you do my bankruptcy attorney will be contacting upon mail notification from a collection agency XXXX minutes ago Discover One of our 100 % US based customer service agents will be with you as soon as they can. Feel free to return anytime, your message history will be saved here. 


For your reference, our normal business hours are Mon-Fri XXXX ET, Saturday XXXX XXXX, and Sunday XXXX ET ( excluding holidays ). If you are messaging us during our closed business hours, we will respond to you once we return. 

Discover Hello XXXX XXXX, my name is XXXX and I will be assisting you today. I appreciate you taking the time to reach out. Thank you for being a loyal Discover card member since 2014. 

I see you are reaching out to let us know you are filing for bankruptcy. I am sorry your situation has lead you down this path. I hope things start to turn around for you! 

I see you gave the attorney 's name of who you are working with, XXXX XXXX. Can we get a phone number to reach him please? 
Fresh-Start.Law, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX Ph. ( XXXX ) XXXX I have been making payments of {$150.00} and not the {$200.00} each month and you still are giving me a rough time about the {$50.00} that i am not paying each month totaling {$200.00} I had chatted previously sent you emails etc about this and still you will not lower my payments. to {$150.00} I will email my bankruptcy attorney and let him know how you will not negotiate reducing my payment Presently my account will not make payments of {$75.00} twice a month only demanding the {$850.00} and I can not make that XXXX minutes ago Unless you release this demand I can not make payments for XXXX You have tied my hands Thank you for providing that information. 

Again, I am sorry your situation has lead you to this point. 
I do see that you have been making {$75.00} payment twice a month for the past XXXX months. We have already done all we can to help you with this balance as you are enrolled in our 60 month pay off program which is lowering the interest rate to 0.99 % minimum payment to {$200.00} which is the lowest we can go. 
There is currently a minimum payment of {$850.00} since your account has been behind serval months, and I know you are paying what you can each month. 

I have noted your account with the information you have provided me with today. Thank you for reaching out to us! 
But you are not allowing me to make the {$75.00} payments for XXXX Therefore I can't make any payments until you change my account to allow me to make the payments now
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the XXXX. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XX/XX/XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have collection accounts on my report ( s ) that don't belong to me. My information is being used incorrectly by the reporting agencies. I don't recognize any of these accounts and i did not authorize these companies to use my personal information. I believe i have been a victim of identity theft or fraud. I am a natural person, I am a living human being, I have rights under 15 USC 1681. The credit bureaus are govern by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give the credit bureaus written permission to furnish these accounts.