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

I've lost a lot of trust and credibility in the XXXX XXXX XXXX due to an ordeal that has spanned XXXX months. This ordeal has contributed to my XXXX XXXX health condition worsening. I feel frustrated and helpless. 

On XX/XX/XXXX, I wrote a {$5000.00} check from my XXXX XXXX account ( XXXX  ) to my Citibank account. Citibank withdrew the amount from my XXXX account the following day, as expected. 

A few days later, Citibank sent a email they are closing my account, citing fraud concerning the check I deposited. In other words, they claimed to have seen some issue with my XXXX 

I called them to verify the account and confirm Im the one that made the deposit. Citibank said they had decided to close my account regardless. Citibank then informed me I would have TO WAIT 2 MONTHS BEFORE they sent me the balance in my account via check ( my previous balance plus the {$5000.00} ). This was money intended for my ailing father 's care and dealt a big blow to his possible recovery. 

The whole thing didnt make sense to me because, if Citibank XXXX fraud, they should have chosen not to process the check. Yet, they did, and the funds were withdrawn from my XXXX account next day. 

Regardless, I decided to wait the XXXX months and had to seek out loans from friends and others with interest to afford my XXXX XXXX XXXX 

After the XXXX months waiting period elapsed, I contacted Citibank to reclaim my {$5000.00}. My XXXX XXXX condition had worsened but I was hopeful it could improve. Citibank sent me a check for {$200.00}, claiming they didn't have the {$5000.00} I deposited - the amount they withdrew through my XXXX deposit. 

Ive beem chasing them for XXXX months for my money to no avail. My XXXX XXXX has escalated beyond normal. After several rounds of back-and-forth, Citibank advised me to contact XXXX and ask them to recall the check - recall a check deposited in XXXX. 

My XXXX bank said it had been too long since the check was issued and the amount withdrawn, making the recall attempt unsuccessful. If Citibank had asked me to recall the check at the time it was deposited and hadn't ASKED ME TO JUST RELAX AND WAIT FOR XXXX MONTHS, the check could have been recalled. 

XXXX provided me with statements showing the amount being withdrawn from my HFCU account when I deposited the check into my Citibank account, along with a copy of the check. Clearly, XXXX doesn't have the funds. 

As of now, my money is still tied up with Citibank. Citibank is refusing to act justly. My XXXX is XXXX without the funds to purchase the necessary medication. His situation could have been alleviated if not for Citibank withholding funds meant for a XXXX man. 

I swear to XXXX, if my father dies because of this, Citibank will not be let off easily. 

I'm asking them XXXX last time to refund my money. I'm not asking for a handout ; it's my hard-earned money. This is very unjust and I might be contacting an Attorney soon. 

I had no idea our banking system could be so corrupt and heartless. 

Attached are the statements XXXX provided showing the withdrawal, the check, and a business card from the bank XXXX at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I really hope you can help me with this issue I am having with Experian I have a charge off from XXXX XXXX account # XXXX open XX/XX/XXXX. This was closed XX/XX/XXXX and charge off. XXXX Experian has changed the date to XX/XX/XXXX this is totally wrong and they need to delete this from my report. They do not have the right to change a date to mess with my credit. I now want to this remove completely from experian since they are falseise report things that arent true
Product: Credit card or prepaid card

Following my initial complaint to CPFB about bogus charges, AVANT began charging me with what looks to be, an annual charge.
Product: Credit reporting or other personal consumer reports

A delinquent report showed up suddenly on my Experian and XXXX credit reports that I no nothing about, have never initiated any transactions I have not paid for and have never received any contact from this company XXXX XXXX XXXX XXXX, Account number XXXX. I do not want to contact the company because I believe the information is fraudulent. Whatever the information is both Experian and XXXX won't take it off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : it also states consumer reporting agencies can not furnish an account without my written instructions.
Product: Debt collection

On XXXX, XXXX I received a credit notification that a negative item was listed against me, On review of my reports it was listed as Midwest Recovery System in amount of {$2600.00} for payment for XXXX XXXX XXXX. I was never contacted by Midwest about this account. Further more The amount that they request is the same amount XXXX XXXX XXXX stated I overpaid and sent a check to me, I called them and unsure about amount asked them to verify but in mean time was told to return check to car dealer which I did..check was not cashed by me.. ( Second ) date of first late payment was in XXXX not XXXX. Amount in question is incorrect account should be {$0.00} please research check amount submitted by Original creditor and returned as instructed to car dealership. check bank cashing information as I did cash check. Also regarding Midwest a review of my phone and mail history for certification of recipients shows no calls or contact history.
Product: Checking or savings account

I bought the XXXXXXXX XXXXXXXX XXXX XXXX  on XXXX XX/XX/XXXX. The device after a month popped up with the message of being stolen. Which I didnt mark and the device was fully unlocked, I seeked support from both XXXX and XXXX but they are not able to resolve the issue after 2 years. Thats the reason for the request of dispute. The amount was charged on spend account on XXXX XX/XX/XXXX. The bank ( PNC ) is unable to lookup the data past 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was information on these credit bureaus that related to me. A lot of this information can't be validated because there is no original creditor to validate the information and since I am the only alleged consumer of these accounts then I am the only one that can validate the information on these accounts. Then there's the issue of these so-called investigations that all come back as " accurate '' but pursuant to 15 U.S.C. 1681a ( e ) who did this credit bureaus interview to get these accurate facts? So if I am the only original consumer then I am the only person that can verify if any of the information can be factual information. And pursuant to 15 U.S.C. 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

And there are a lot of discrepancies in their reporting. 
I never gave anyone permission to furnish or report anything to a credit bureau or consumer reporting agency. 
Since reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and based on 15 U.S.C. 1681b ( a ) ( 2 ) any consumer reporting the agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I have never given any credit bureau or consumer reporting agency my written permission to report to them. 
I sent out letters back in XXXX to XXXX, XXXX, and XXXX requesting that they delete the accounts in their system as well as phone calls to all of the agencies since I did not authorize their reporting services. As of today, I have not received a response nor have the account been removed as requested.
Product: Vehicle loan or lease

On XX/XX/XXXX I went to XXXX XXXX in XXXX, CO. It was a XXXX XXXXXXXX XXXX. I was working with XXXX XXXX and felt pressured into buying this vehicle. The vehicle is only worth {$2000.00} but they put me in a loan that when everything was said and done the interests of the vehicle was well over the value of the car. I ended up signing the finance loan and felt a little off. I called my Dad and husband and both told me to tell them I do not want the vehicle and to not take possession. I never took possession of the vehicle and told them in a text and showed up to the dealership later in the day telling them I no longer want the vehicle. I went with a different company and the finance manager, I believe his name is XXXX, told me I had no choice but to take possession of the vehicle. I then called Credit Acceptance, as they are the ones who my loan is through anf told them the situation anf they also told me there was nothing I could do. After doing more research I have a right to say no to buying a vehicle but I would take a penalty I was never offered this. I never left the lot with the car in my possession. They told me it was not ready to leave the lot as they needed to complete some work in the vehicle. XXXX ( again I could be using the wrong name ) was very hostile and told me if I do not take possession of the vehicle he will have it towed to my house and dropped off. I told him again do not do that as I am not taking possession of this vehicle. He then hung up on me and later that day the vehicle wad towed to my house and keys were left on my NEIGHBORS doorstep. No one signed for the vehicle stating it was dropped off with no damages and dropped off at the correct place. I have been told by multiple people to fight this and that the sell was not by the books. I want this vehicle off of my credit. I can not afford two car payments especially on a vehicle I did not want. I have made enough payments that the car itself is paid off. Now all I am paying is interest. Can someone Please help me?
Product: Student loan

on XX/XX/XXXX I made a payment of {$2700.00} to Discover student loans to pay off my student loan. On XX/XX/XXXX the money was puled out from my XXXX XXXX account for the amount of XXXX Discover student loans only applied the payment for {$50.00} I called and they said it would be resolved. 
I have been calling Discover for 2 months to get this problem fixed. At one point, they even sent me a letter and applied the payment on XX/XX/XXXX, On XX/XX/XXXX they reversed the payment, saying that maybe the money was sent back to me via ACH. I sent them copies of my bank statements proving that it had in fact not been sent back to me. 
I spoke them them again of the many times, they said they found it and they now a system error was preventing them from applying the payments. 
Every time I call I have to explain the whole thing over, I have spent a grand total of 8 hours on the phone of two months trying to get this resolved, that is a full day of work, not to mention the emotional distress, I've been hung up on, calls not returned, interest not earned on money in my saving account.
Product: Credit card or prepaid card

HSBC had sent me promotional offer to open the account, spend some $ amount within 3 months and they promised a {$150.00} cash reward. I complied with the offer but never received any reward. I contacted bank multiple times : never received a reward or even response of why HSBC scammed me on this offer. Asking for my reward, supporting documentation will be provided upon request.
Product: Money transfer, virtual currency, or money service

On XX/XX/24 someone used my sendwave account to send money to XXXX. I do not know anyone in XXXX. I have only sent money to XXXX using Sendwave. XXXX different attempts were made but only {$150.00} was successfully sent from my account as that is all was available in my bank account. The attemps made were for {$50.00}, {$50.00}, {$100.00} and {$100.00}. This was done from mXXXX XXXX XXXX XXXX  account. The money was sent to a person named XXXX XXXX and the bank it was sent to was XXXX  XXXX XXXX. I called sendwave to report this and they shut down my account on the app. In addition, they erased these transactions to XXXX from my account history and the only record I have of this is emails. The transactions i have made to XXXX remained on the account history. I have called sendwave multiple times to ask why the history has been removed from the account and to request for it to be put back but they have not put it back. All the transactions i have personally made show up on the account history. I also asked sendwave to refund me back the money but they have decline to do so. 
I called my bank-XXXX XXXX XXXX to report this. They reimbursed me the {$150.00} while they did their investigation. Today, i received a letter from XXXX XXXX XXXX stating the information they received from Sendwave shows the transaction is valid and i will have to pay back the {$150.00} they had remibursed me while they did their investigation. This is not true. I did not authorize money to be sent to XXXX. I do not know this individual named XXXX XXXX.
Product: Debt collection

I was a member of XXXX XXXX in XXXX In for several yrs while i worked. On or around XX/XX/2020 they hounded me that i had to sign a contract again or couldn't keep coming. So, signed it, then in XX/XX/2020 i started having some serious health problems and ended up losing my job. I had no money coming in, contacted anytime XXXX told them of the circumstances with my job and health issues. They then told me i would have to have a letter from my Dr saying i couldn't do the gym. My dr gave me a letter for them, i then Sent them by registered mail my key to the gym and the letter from my Dr. Never heard anything from them until i received this letter from a debt collector. Now their harassing myself and my wife by phone. I tried explaining to them and still to no avail. I am sending copies to you of registered letter and Dr letter. I feel  this is wrong in every aspect of the word.
Product: Credit reporting or other personal consumer reports

XXXX has not received written instruction to furnish a consumer report on my behalf in doing so XXXX is actively committing identity theft
Product: Mortgage

I currently have been trying to close out an account with lakeview loan since the XXXX of XXXX. I sent in 3 checks to this bank which were accepted and cashed on XX/XX/XXXX for the full amount. Today is the XX/XX/XXXX and they still say I owe money. Infact on Saturday I was told I owe XXXX and now they say I owe XXXX. How is that even possible. I have spoken almost on a daily basis with no one to assist in this process but a run around. Please someone help fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporter Act XXXX  account XXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 8 states I have the right to privacy.

15 U.S.C. 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your account without my written instructions.
Product: Money transfers

On the XXXX XXXX I received a refund from XXXX XXXX XXXX. The refund deposit showed up but nothing in my balance. I do n't have access to the money. 

My son sent me some money on XXXX XXXX. I 'm a senior and needed help with the rent and groceries. The deposit showed up in my account but did n't show up in the balance. I ca n't transfer the money to my bank. I 'm filing a separate complaint for this. 

PayPal claims they have a " glitch '' that started on the XXXX, is still going on today the XXXX and may take another 24 hours to fix, if not more. It is hard to believe that a banking organization ( holding company so they can get around US regulations ) does n't have a backup system, or several. 
Tried calling them and get someone in XXXX who says she ca n't do anything. Her supervisor says he ca n't do anything and he says his boss ca n't do anything. The boss is n't taking calls. 
Domestic or International? Money transfered from one US location to another. However, ALL the customer contact is overseas which makes me think this might be International
Product: Debt collection

XXXX XXXX XXXX XXXX put on my credit report a hospital or doctor bill that I never received notification of or a right to dispute the claim that was paid by my insurance. I have notified them to remove from my credit report and to send me a copy or proof of bill to no avail. When I call the rep or agent claims they can't find the account without my date of birth or social which I will not give over the phone but I did give them my address and still they haven't sent me proof of claim or notice or rights to dispute.
Product: Credit card

Discover Bank has sent me a 1099-c cancellation of debt form and refused to update the credit bureaus to the balance of {$0.00} discover Bank is reporting that I still owe a debt although they have sent me a 1099-c form cancellation of debt and refused to update the credit bureaus to the balance of {$0.00}.
Product: Checking or savings account

On XX/XX/XXXX some woman had gotten Into my phone and stole XXXX dollars from me by sending it from my cash to hers. It was unauthorized. I was in the bathroom and didn't find out until later. So I disputed and XXXX  denied me twice saying I authorized it that's why. Which I didn't. This company is horrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an active complaint against Midland about the way they have reported an account ( complaint XXXX ). Since I filed this complaint they have repeatedly flagged my account to the reporting agencies as a collection- as if it is a new collection and it is coming up as a negative alert with all agencies. I will attach what alerts I have gotten from XXXX as an example. Please note it is not an alert that they have noted my dispute, added wording etc just that they keep reporting a collection. Prior to the issue I lodged the complaint about, they did not do this AT ALL. I believe they are retaliating against me for filing a complaint with CFPB as a form of intimidation to get me to pay on a debt I do not believe to be mine and have request proof through your agency
Product: Mortgage

On XX/XX/2019 i opened escrow with XXXX XXXX and American Financial network as my lender. I received a pre approval letter from XXXX and now that i already paid my ( {$3500.00} ) Earnest money deposit XXXX is saying that i dont qualify for the loan that they already pre approved me for. They called me pressuring me to pay off a debt so XXXX would approve my loan, a loan that was already approved. I feel like i dont have a choice but to pay to make this loan work. Unfortunately i dont have anybody to let me borrow XXXX dollars which they say is causing the hold up. These lender services are unfair, deceptive and abusive. This is a violation under the UDAAP act. I gave up my condo that i was renting so that i could save some money but now i dont have steady place to sleep and am sleeping on the floor with family.
Product: Credit reporting or other personal consumer reports

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report that I am unaware of. I tried to resolve the issue with the creditors but there was no resolution. 

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: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX