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

On XX/XX/21, I opened an Citibank XXXX Savings account and funded {$20000.00} through an ACH. When the money was transferred from XXXX XXXX, I tried to log online with Citibank to verify that they received the funds and I discovered I was locked out of online access. When I contacted Citibank on XX/XX/21, I was transferred to 8 or 9 people and I was told that I was now a multirelational customer ( I have a Citibank credit card for over 30 years ) and that I had to speak with the banking side. I contacted them and was told that my online access wouldn't be back until I received a debit card for the XXXX account which would arrive in 5-7 business days. Meaning that I was locked out of paying my credit card as well. They overnighted me a debit card and I was able to login back in online on XX/XX/21. I could see both my XXXX Savings and my credit card but funds were not available in the savings account. There was a message that stated that I " violated the terms of your account per the client manual '' and that they were automatically closing the account and any other Citi accounts within 60 days and sending a check for any funds belonging to me. 

Citibank provided a phone number on the notice with hours that aren't correct so I couldn't reach anyone at that number. I used a phone number that I had obtained on XX/XX/21 and was not given any answers as to why my account was flagged and was told that I couldn't ask for my money back sooner. That the policy was was it is and that is that. 

Also, in researching how to transfer my money back, Citibank won't allow you to transfer any more than {$10000.00} a day or {$15000.00} in a rolling 30 days and you can never go below {$500.00}.
Product: Checking or savings account

Chase bank will not allow me to draft any money. 

May you please request that someone call me as I have not been able to resolve with Customer Service.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have two incidents. I bought a car and the XXXX pay off my personal loan, they said Wells Fargo, that they did not received the money yet. Do they charge me some fees. The other loan I pay off before and they did not deducted interest or for paying ahead. Thanks you
Product: Credit card or prepaid card

Summary : XX/XX/XXXX - I rented XXXX # XXXX on XXXX XXXX, FL for XXXX. I made 1st payment {$22000.00} with my Capital One Visa card. 
XX/XX/XXXX - Hurricane Ian devastated XXXX XXXX and much of SW Florida. I phoned XXXX support who advised me not to make 2nd and 3rd payments and they tried to reach owner with no luck. 
XX/XX/XXXX - I messaged the owner discussing the hurricane and asking for a refund. He never responded. 
XX/XX/XXXX - I saw the only review for this property dated XX/XX/XXXX entitled, " Unhealthy, dishonest, not as advertised, BEWARE. '' XXXX XXXX XXXX, the reviewer, did not stay there and hired a professional who proved mold infestation. She eventually received a refund based on the mold infestation report. She shared the report with me. I continued to ask XXXX for proof of mold remediation for the next 2 1/2 months. Received none. 
XX/XX/XXXX - I provided photos of the hurricane damaged property & damaged properties to left and right. Witnesses spoke to a man who had been working " for 2 months '' on the hurricane damaged property and he said hurricane water surge had entered the house. 
XX/XX/XXXX - I discovered the property had been re-listed with a new XXXX  # XXXX with the review describing mold infestation REMOVED. I notified XXXX. No response. 
In its Denial Statement, XXXX relies on two reasons for denial : 1- the rental had a " no cancellation/refund '' policy and 2- based on information provided by the owner following Hurricane Ian, the property was in good condition. 
Capital One Visa supported XXXX and discounted my proof denying a refund.
Product: Credit reporting or other personal consumer reports

I have no knowledge of these accounts! & Pursuant to 18 USC 8, I owe no debt. These companies is violating my consumer right to privacy pursuant to 15 USC 1681b These are the accounts that Ive continuously tried disputing and to no avail have they done the correct investigation to remove these inaccuracies. 
- XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX  - XXXX XXXX XXXX They are reporting falsely through each credit bureau.
Product: Credit reporting or other personal consumer reports

I send my dispute letter last XX/XX/XXXX but until now I never recieved any response from the XXXX credit bureaus. I requesting to delete or remove all this njegative accounts this is all fraudulent accounts I file Identity theft regarading this issue. I so XXXX and I don't know how to fix it. Here 's the list please delete it now Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$760.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I applied at a XXXX XXXX store to open a new credit card account. 
I keep being told that I already have a account which I did but that account was closed and discharged by chapter 7 on XXXX XXXX. 
I got a letter from XXXX  that I had a credit freeze on my sagesteram credit bureau ( which I never heard of until today ) I called sagestream to correct this and was not able to resolve this issue ( kept getting referred to internet ) I was not able to resovle this issue there. I never to my knowledge placed a credit freeze with sagesteam. 
I spoke to a accounts person ( jenniefer ) at XXXX about this issue and they keep telling me they can not do anything about it. 
XXXX  was extremly rude to me on the phone
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit company refuses to remove 30 day late payment from credit report. I've always made my payments on time and I'm currently in the process of trying to purchase a home, but this late payment is hindering the process. I've spoken to customer service numerous times and they continue to tell me that the issue would be resolved, but nothing has happened within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act, XXXX XXXX XXXX XXXX Account # 519570 & CB INDIGO/GF Account # 510004 has violated my rights.

15 USC 1681 Section 602 : States that I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer cant furnish my account without written consent.

15 USC 1666B : A creditor may not a payment on a credit card account XXXXXXXX an open end consumer credit plan as late for purpose.
Product: Mortgage

I purchased my home  XXXX  of  XXXX  for  XXXX . Due to my divorce in  XXXX  I discovered my ex wife did not make mortgage payments for 6 months. I filed a Chapter  XXXX  and caught up with my mortgage payments. Within the last 9 years my mortgage payment never been 30 days late. A few months back I asked  Keybank for a payment history since the life of the loan. Keybank charged me {$30.00} which is illegal! I recently asked KeyBank for a payoff of my home. Keybank sent me a payoff of approximately {$77000.00}! My problem is this, in 18 years of paying Keybank o nly {$3000.00} was applied to my home loan!! This is considered  Predatory Lending in the State  of Ohio. My payoff is {$37000.0 0}!! Keybank also refuses to acknowledge my excellent payment history with all   XXXX   credit reporting agencies. I am enclosing all proof to my claim against Keybank.
Product: Checking or savings account

On XX/XX/XXXX someone got ahold of my cards after my car got impounded and started using my cards from my moneylion account and I didn't know till XX/XX/XXXX is when I found out so I file a dispute on XX/XX/XXXX then long story short they moneylion never locked my cards they left them open that resulted for whoever was stealing my money to continue steal money from me I found out about that at least a month-and-a-half later they refused to take responsibility and they keep accusing me of wrongdoing when they were the one who did a lot of wrongs the completely mixed and mislead and try to mix information to cover up their mistakes I even told them why did you guys left my cards open after I filed a dispute and reported my card you were missing and stolen then 20 transactions happen after the day that I reported them stolen and they refuse to answer to this question or if you to take responsibility for that simple mistake
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXXXXXX XXXX XXXX  Account Number XXXX XXXX
Product: Checking or savings account

Citibank still owes me money that they allowed to be deducted to pay a completely different and unknown XXXX XXXX bill. 

I don't even own a XXXX card. 

Specifically, the XXXX E-payments were for : {$560.00} on XX/XX/year> {$950.00} on XX/XX/year> {$690.00} on XX/XX/year> Citibank still owes me {$2200.00} I want all the deductions returned to my account ASAP. 

Citibank has known about this for months yet has not return the funds. 

Citibank said they would get back to me in 45 days. They have not. That was XX/XX/XXXX. It's not XX/XX/XXXX. 

Citibank stole my money. 

XXXX XXXX, the CEO, is well aware of this situation and has elected to do NOTHING. 

She collects $ XXXX a year in compensation, yet refuses to return the {$2200.00} of MY money that SHE and HER BANK, CITI, withdrew from bank account without any authorization and illegally. 

XXXX XXXX and senior management at Citibank has a racket going. They clearly are doing this on a regular basis and needs to be investigated for XXXX violations.
Product: Credit card

I was denied credit increase due to my credit score. According to 15 USC 1691 & 12CFR 1002 You can't be denied credit due to credit score, credit history or income. Any adverse actions in consumer credit transactions is illegal
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. XXXX Fair Credit Reporting Act XXXX XXXX ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I would like for the XXXX XXXX XXXX to show proof of verification that I owe them {$94000.00}, {$2700.00}, {$420.00} my last 4 is XXXX. As of date, you have not provided me with a 1099c for my review and my records. I am asking that you do this now. 

In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to. 
Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working to get this fixed. And the companies are not following the law. No authorization given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX XXXX XXXX to finance a car, they told me since I did the application online they were not going to run my credit report again. And about 5 minutes later my credit report was ran about 13 more times. 

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

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$5500.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX hired Enhanced Recovery Collections. I attempted to settle a debt I don't even feel I owe being that I paid this already with XXXX  but I wanted this struggle to be over. I attempted to settle the debt but they started playing games telling me XXXX was the lowest their client would accept. I offered {$96.00} - they then put a team lead on the phone who offered {$120.00} and then stated the same thing that this was the lowest they could settle for. I asked for corporate and was on hold almost 30 additional minutes.
Product: Student loan

I took out federal student loans such as direct unsubsized, direct sub stafford loan, federal plus loan, direct unsubsized consolation loan to attend the XXXX online. I also cosigned a direct parent plus loan for my daughter to attend the art institute and institute of audio research. I consolidated the loans with the intention, of attaining lower affordable payments. My loan is with Fedloan Services with the U.S. Department of Education. Fedloan informed I am only eligible for the income-contingent repayment with monthly payments of {$1700.00} per month. I explained to them the payments are too high and my husband was not working at the time. When I asked them to recalculate my monthly payments they reduced to only {$700.00} which is my whole paycheck. I explained to them that I have other bills to pay. Again I tried to negotiate a lower payment, but the servicer wo n't negotiate. I have been paying what I can, but I still can not reduce any of the principal on the loan due to the interest compiling everyday. Currently, I am in forbearance because the payment amount is unbearable. I appreciate you assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION IS STILL INACCURATELY REPORTING LATE PAYMENTS ON THIS ACCOUNT : XXXX XXXX XXXX # XXXX : This account was never late, it was paid in full and closed on XX/XX/2022 TRANSUNION STILL KEEPS REPORTING DIFFERENT PAYMENT HISTORY CHANGES. WHY? THIS ACCOUNT WAS PAID OFF MONTHS AGO, WHY IS TRANSUNION REPORTING ON TIME PERCENTAGE CHANGES? RECENTLY TWICE IN XX/XX/2022? WHERE IS THIS INFORMATION COMING FROM? ON XX/XX/XXXX OUT OF NOWHERE A MISSED PAYMENT WAS ADDED, THIS IS UNVERIFIED, UNTRUE AND WITHOUT ANY PROOF. WHY IS TRANSUNION CHANGING MY PAYMENT HISTORY TWICE IN ONE MONTH, 6 MONTHS AFTER THE ACCOUNT WAS PAID IN FULL. 
I HAVE ALREADY DIPSUTED THIS ACCOUNT 5 TIMES AND ASKED FOR LATE PAYMENT PROOF AND VERIFICATION OF TRANSUNIONS INDEPENDANT INVESTIGATION RESULTS, NOTHING WAS EVER PROVIDED TO ME FROM XXXX written proof EVER!! 
TRANSUNION IS VIOLATING MY RIGHTS AGAIN, I HAVE BEEN FILING MULTIPLE COMPLAINTS ALREADY AND I WILL HAVE TO CONSULT WITH A CONSUMER ATTORNEY TO PROTECT MY CONSUMER RIGHTS.
Product: Payday loan

I went ot court in XX/XX/XXXX for an garnishment hearing on this loan in the court it was staified they did not closeout the garnishment and they This company will not send a close out to my job on this garnishment and they where able to go bavck to courk XX/XX/XXXX to court and win another XXXX from me in court. How is this fair pracices and i still havenot recieved anything from the company saying the garnishment has been statified
Product: Credit reporting or other personal consumer reports

XXXX account XXXX Experian removed and blocked this fraudulent account but then later reinserted it without providing legal proof of account. The account is a direct violation FCRA 15 us code 1602 and should be removed per the violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got a notification from XXXX about a recent inquiry. So I pulled a copy of my most recent consumer reports and noticed an unauthorized inquiry by ( ELAN FINANCIAL SERVICES ) immediately filed a report with the FTC & here I am following up with the CFPB now.
Product: Checking or savings account

I recently closed my Citibank account, ending in XXXX. My ssn ends in XXXX. At the time I closed the account, I was asked why I was closing the account. I explained that I was closing it because I never received what I was promised when I opened the account. 
No one at the bank made any attempt to rectify the situation, so I am filing a formal complaint. 
At the time I opened the account, a few years ago, I was told there was a special promotion going on based on the amount deposited into the account. 
Based on the amount I deposited, which was over {$81000.00} and the length of time I would have to keep it in the account, amount I believe I was due {$700.00} XXXX received nothing however I'm not at home, so can't access that account or the brochure that advertised the promotion, but I DO have the brochure and the statement that shows that my deposit and the length of time the money was in the account and can access it when I return home in a few months. But I'm sure, in the meantime, Citibank can find the information based on my name, the last XXXX digits of my account number and the last XXXX digits of my ssn,
Product: Debt collection

XX/XX/17 {$1800.00} placed for collection Coi original creditor XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I acquired bitcoins ( {$2000.00} worth of XXXX  at XXXX ) and XXXX  ( {$2500.00} worth of XXXX  at XXXX ) through Coinbase. 
Reference codes of the transactions : XXXX ; XXXX I kept them there as a savings. On XX/XX/XXXX those XXXX  and XXXX basically disappeared even though I have a two step security ( password and text message ) access the account which never were activated. I have tried in more than three occasions to obtain response from Coinbase ( via mail and filing complaints through their website ) but so far no answer or reaction from Coinbase. 
Please advise how to proceed in this case or what legal options I have. 
Thank you.
Product: Vehicle loan or lease

Truck was totaled. I owed XXXX and insurance sent XXXX via XXXX checks and XXXX wire. CapitalOne is claiming the wire processed and I still owe XXXX XXXX Check XXXX XXXX Check XXXX XXXX Check XXXX XXXX XXXX  XXXX Total from insurance XXXX Owed XXXX overage due back to me.
Product: Credit reporting or other personal consumer reports

I have received a copy of my credit report from Equifax that currently still shows inaccurate information. I have sent 3 requests to Equifax for an investigation of the alleged public record listed of bankruptcy. I have received an incomplete and unverified information back from Equifax states that alleged public record verified per data furnisher. Equifax have failed to advise how the alleged public record listed of bankruptcy was verified. I understand that per the law of FCRA under permissible purpose. I have not given any furnisher the right to release such alleged information. I am deeply conflicted with this inaccurate or incomplete information. I request further investigation to the matter and request lawful reply. I demand you to remove this item below : XXXX ) XXXX XXXX Bankruptcy Dismissed a. Date : XX/XX/XXXX b. Reference Number : XXXX XXXX Date Filed : XX/XX/XXXXXXXX  XXXX Latest status date : XX/XX/XXXXXXXX  XXXX ) Chapter XXXX Bankruptcy Dismissed a. Date : XX/XX/XXXX b. Reference Number : XXXX XXXX Date Filed : XX/XX/XXXXXXXX  XXXX Latest status date : XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My car was totaled in a car accident recently. I wasnt working at the time and so therefore I could not pay for the insurance deductible. The car was deemed a loss. The loan company repossessed the car since I could not continue paying the monthly note with {$20000.00} left to pay it off. The loan company then sold the vehicle for {$5000.00}, making me cover {$16000.00} for the remaining balance Im currently still unemployed and can not make this payments which is daunting my credit.
Product: Credit reporting or other personal consumer reports

The information on credit report is incorrect and not accurate it is only showing the name of the account XXXX XXXX XXXX XXXX XXXX 
It should be deleted and removed permanently
Product: Credit card or prepaid card

In XXXX, I received a call from Barclays Bank that my PIN on my XXXX MasterCard had been changed, and had I changed it? I said no, I did not. The representative said no problem and that he would issue a new card. 

A few weeks later, I get a card statement saying I owe some {$4000.00} on my card for cash advances. 

I call and explain that I did NOT use this card to take out any money, that the PIN had been changed without my knowledge and that charges had been made without my knowledge, but that SHOULD have been noted by the card representative. 

They start a fraud investigation. A few weeks later, they send me a letter that it was me who withdrew the money and that I owed it. Repeat this three times. Finally, they send it to collections.

Collections calls, and I explain, and they send it back to Barclays. Months later ( XXXX ) collections calls again, says my fraud claim was denied. I ask them to take it back to the bank and they did. 

I get a letter today XX/XX/2020 saying they did a thorough investigation and it is not fraud and that I am responsible for the balance. 

I tried calling their number but no one ever picked up after an hour on hold. 

I did NOT withdraw those funds. I have not used that card since right after I opened it. It was my backup card.