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

Opened new Citi bank account in XX/XX/XXXX and do the following to get XXXX miles. 
Spend the required minimum amount on qualifying purchases using your Citibank XXXX or ATM XXXX. Qualifying purchases must post to the new Eligible Checking Account within 60 days of account opening. * Perform 1 or more qualifying bill payments for 2 consecutive calendar months within 60 days from account opening. Qualifying Bill Payments must post to the new Eligible Checking Account each month for two consecutive calendar months. * Citi Priority account spend {$750.00} I contacted them via Citi bank chat XX/XX/XXXX and they said I had to wait till XXXX for everything to post. I called in XXXX and they gave me the same run around. 

XXXX XXXX called them and they looked through account and said they would open a dispute and would hear from someone within the week. 
XXXX ref # creating a dispute- should have had the miles by XXXX, XXXX. 

By XX/XX/XXXX still no response called again. 

They claim I didn't spend the required amount within the 60 days. They said the cut off date was XX/XX/XXXX and my purchase was XX/XX/XXXX and they are not honoring it because I was short {$8.00}. In addition it took me multiple weeks to even get my debit card and even more time to get it activated when I first got it so I couldn't even start making purchases till mid XXXX. The welcome email was not even sent to me till XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating this reporting account as unconfirmed information without producing proof within the legal time range is unacceptable. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$XXXX} XXXX XXXX XXXX  XXXX Balance : {$XXXX} XXXX XXXXXXXX Balance : {$XXXX} CXXXX XXXX Balance : {$XXXX} XXXX XXXX XXXX  XXXX XXXX Balance : {$XXXX} CXXXX  XXXX XXXX Balance : {$XXXX} XXXX XXXX XXXX : {$XXXX}
Product: Credit card or prepaid card

I applied for a secure credit card on  XX/XX/XXXX . I provided all of the required information and I was still rejected. Discover card discriminated against me prior in  XX/XX/XXXX  also, there is systemic credit discrimination going on at this company.
Product: Debt collection

" I.c. System, Inc. '' has attempted to collect a debt in the amount of {$520.00}. 

I do not owe the debt. 

I never received notification that attempts to collect a debt were going to be made. 

I discovered the attempt on my credit report. 

I reached out to the company within 30 days requesting verification of the debt. I informed the company that if they did not immediately cease collection attempts before providing written verification they would be in violation of the Fair Debt Collection Practices Act. 

The company did not comply with providing verification, and has made 2 additional attempts to collect on the invalid debt. The company is in violation of the Fair Debt Collection Practices Act due to continuing attempts to collect without providing written validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect information on my credit report with Transunion due to the inaccuracy on my file. please update asap.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the fair credit report act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous disputes with Experian about incorrect information being filed on my report. And after their investigations the items have been left on my report.
Product: Debt collection

I have an auto title loan with XXXX and I get plethora of robo calls from them with a message that starts with Good day. Several unsuccessful attempts to contact you have been made ... I have asked the company multiple times to take me off their robo call list. The number changes from time to time as well so as to make it difficult to screen or block the call. I get these calls about 20 times a week. Also, their lending practices are very unfair so I would not recommend ever using them. After nearly a year of payments on a {$2600.00} loan, I currently owe over {$3900.00}.
Product: Credit card

this all started in XX/XX/2022 I had been making my monthly payments through auto pay from XX/XX/2022 through XX/XX/2022 without any issues than in XX/XX/2022 their system started kicking out my payments as an invalid account I have had many conversations with a senior account manager named XXXX over the last 9 months and have submitted all the info to him and he could not figure it out. he stated to me that chase bank process synchrony payment and that they were the ones kicking this payment out. I finally contacted a lawyer from my legal service who sent them 2 separate letters with no response he has since told me that the letter writing is the only thing they could do so I am filing another complaint i have tried numerous times to contact the lady who responded to the original complaint but never get an answer to the call. they have once again changed my credit limit, restricted my card, and reported me to the credit bureau as late payments which has affected my credit score, I have paid my payments every month by phone and have confirmation numbers but the payments still keep getting rejected and multiple late fees accessed. I am very upset over this and am looking to try to get this resolved. they keep saying that I'm paying with an invalid bank account but I have submitted my info to XXXX and he has verified it, he even had me have my credit union pay the bill thru bill pay and it went thru with no problem, my PayPal account which is also a part of synchrony goes thru with no problem. this is getting very ridiculous and my next step is to try to hire a lawyer to sue Sychrony which is going to cost me money. which doesn't seem right since the issue is definitely on their end
Product: Checking or savings account

I have been a Citibank Client since XXXX ( 13 years ) with no issues until recently, when two fraudulent ATM transactions totaling {$800.00} were made in XXXX XXXX, XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX using my debit card information while I was home in XXXX XXXX XXXX. Prior to this, I have not provided my debit card information or PIN to anyone, the card never out of my possession, and I had not been to XXXX XXXX. I cancelled my debit card and notified Citibank immediately who began an investigation. Citibank denied reimbursement of the missing funds on XX/XX/XXXX, citing in their letter : the card was not out of my possession at the time of the fraudulent transactions both my Citibank banking car and PIN were required to perform the withdrawals activity appeared to them to be consistent with my normal banking activities. 
These withdrawals were made from my account with my Citibank Banking Card. 

When I opened this letter on XX/XX/XXXX, I immediately called Citibank Customer Service and was told that I " had to be the one who made this withdrawal ''. Customer Service also told me that I " would most likely be denied again since the card was in my possession but you can certainly file an appeal if you'd like to ''. I went in person to my local Citibank Branch at XXXX XXXX XXXX XXXX, XXXX, NYXXXX, along with copies of my statement showing that I was using the card in New York on the day of the fraudulent transactions. Upon reviewing my case, the bank manager and associate reviewed my case saw sufficient evidence to conference in Citibank 's Client Research Unit ( XXXX ). The Research Unit 's case manager agreed to reopen the case given that contrary to Citibank 's denial letter, that : The card was IN my possession in XXXX XXXX  XXXX, but the card was NOT in XXXX XXXX. 
The statement activity on my card from the days of the fraud clearly shows I was using the card in XXXX   XXXX XXXX and not in XXXX XXXX The transaction could not have been made by me in XXXX XXXX using my card when I was in XXXX XXXX  XXXX in possession of the card. 
The Client Research Unit advised me to obtain a copy of a Police Report, which I proceeded to file at XXXX 's XXXX XXXX. A copy of the report was made available by XX/XX/XXXX and I faxed it to Citibank 's Client Research Unit at XXXX. 

Since making the appeal on XX/XX/XXXX, I was told to expect the case to be reviewed ASAP and still have had no resolution. I have been consistently calling Citibank to follow up and while most of the associates are nice, all they can do is put a note on my file for the investigator. Every time I call, I am told the case is still with investigators with no resolution. I am currently over a month into the appeal process and over 2 months since these transactions took place, and am still missing the {$800.00} that I never withdrew. 

This frustrating process with Citibank ( which I've held for 13 years ) led me to file a complaint. My ultimate goal is to get back my {$800.00} and restore trust in my bank which has seriously let me down in its response to this clear case of fraudulent unwarranted activity against my account.
Product: Credit reporting or other personal consumer reports

I sent you an FTC report on XX/XX/XXXX about these fraudulent inquiries and you refused to remove them which is against the FCRA. If you do not remove these inquiries, I will be seeking an attorney I know my consumer rights and your company is causing me emotional distress. I am just trying to ensure my credit report has accurate information which it currently does not. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. *** I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FUTURE STALL STATICS FROM XXXX. 

Once again here are the inquiries that WERE NOT AUTHORIZED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, I used my debit card to purchase a bag from XXXX. The transits not process with my debit card and the transaction was cancelled according to XXXX, Chase however, posted the charge for XXXX. The charge did however process with my XXXX card and my loyalist points with XXXX. I was essentially charged on my Chase card for the transaction but did not receive the merchandise because of system error and paid for it with other means.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I used my debit card to pay for the room deposit at a hotel, XXXX XXXX PayPal hid it once it was released by the hotel back to me, then they gave it away instead if putting it back in my account. 

I filed dispute as instructed by PayPal, PayPal sided with hotel because they returned money as agreed. PayPal then, without my authorization or agreement, took my money that they were already holding on to because of this dispute they told me to file, and they gave my money to the hotel. 

Subsequently, I filed a second dispute for the unauthorized transaction PayPal initiated in removing my money and giving it away. PayPal immediately closed the dispute stating they agreed with me but I still do not have my money!

This happened XX/XX/year>. We are towards the end of XXXX. You tell me what's fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX account name is 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for vehicle loan. Received denial letter from XXXX XXXX citing, specifically, SageStream LLC. SageStream 's score was significantly lower than other scores. While this may be true, I attempted to obtain my free report from SageStream. Website provides 2 options for obtaining report : " If you would like to obtain your consumer file, you may ( 1 ) call us at ( XXXX ) XXXX, or ( 2 ) submit a signed, written request by secured fax at ( XXXX ) XXXX or by mail to : SageStream , LLC Consumer Office,  XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. '' I contacted the phone number. The automated voice message directs a caller to go to the website to obtain a consumer report. I have made no further attempts, as the information is conflicting and deceptive. 

While I have serious questions about SageStream 's credit score practices, I can not get to that point without easily obtaining my consumer report.
Product: Student loan

Please read my attached hardship letter for more clarity and details. 
Original Balance : {$27000.00} Disbursement Date : XXXX/XXXX/2004 Balance after capitalization post default was over $ XXXX. 
Current balance 11 years later : {$34000.00} Rate : 9.5 % = Predatory Loan
Product: Checking or savings account

On XX/XX/XXXX at XXXX XXXX XXXX USA , I made a {$130.00} purchase with XXXX  using my Debit card. The product I purchased turned out to be a scammer, and the man claimed he didn't receive the money. He sent me a text telling me to ask my bank for a refund. XXXX refused to refund the money, and after several calls I had to call Capital One. 

On the same day XX/XX/XXXX I called Capital One to cancel and refund the money scammed from me, and they filed a dispute. 

On XX/XX/XXXX I received an email from Capital One asking for evidence of the scam and of the person telling me to ask my bank for a refund. The evidence was emailed, and documentation is included in the documents On XX/XX/XXXX at XXXX XXXX XXXX, I received an email claiming my dispute was denied on the basis of being a " valid transaction ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made.I already filed a Identity theft FTC report. Please remove these fraudulent inquiries off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXX XXXX. Date of Inquiry : XX/XX/2023 2Please remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Product: Checking or savings account

Ally bank. I opened a account and deposited a check. They locked my account with asking me. The reps on the phone don't help and they said that's it fine. I lt happened last Wednesday. I called multiple times and nothing happened. I need the money and it's disgusting that they lock my account and nothing happened.
Product: Money transfer, virtual currency, or money service

am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
I want the CFPB to publish this lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

The organization initially contacted me through mail, asserting that I had an outstanding debt. In response, I sent a letter via certified mail to furnish information concerning the alleged debt. However, they subsequently sent another letter without providing the requested verification, but instead attached a payment request.
Product: Mortgage

I was put on a forbearance program by my mortgage lender at the time XXXX. When the forbearance period had come to and end I was told that I would be put into a trial period of three months before I would be reinstated. I was also mailed this statement in a form of a letter. I made those payments, then I was told I had to go through three more trail payments. I made those payments on time or before its due dates as well. In between the beginning of the process my loan was transferred to worst possible Mortgage servicing company in the industry Loan Care. At the end pf this " trial period '' which I had gone through two times now, I was then told I was denied reinstatement  because I was supposed to have signed some paper that was delivered to my house but was never actually signed upon delivery, but left outside rather according to the tracking number ( which I don't have, they can provide that ). I was never told about any documents to sign at the beginning of this process. I had already signed everything that was needed with XXXX. Also I was already violated when I was made to go through the trial period for a second time because Loan Care was not ready to fluently continue with the process of which XXXX had already started with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX contacted me because it was a hard inquiry I didn't do or a mortgage application I didn't approved to be done on my name.
Product: Checking or savings account

In XXXX, XXXX fraudulent checks were cashed. My ex-employee cashed their paycheck over and over again. On occasion they changed the check number using a pen and very obvious. I went into my local bank, the manager submitted the proper forms and copies of each check to Chase Bank fraud department. Nearly XXXX years later, Chase is still claiming that the claim is being processed. Today I talked to Chases fraud department supervisor XXXX. He informed me that Chase does not have any way to protect my accounts and that it is not their responsibility for making sure checks that are out of date or altered are not cashed! What no protection! He kept telling me the back office is working on my claim and needs more time. I said how much timehe stated that Chases policy is 60-90 days! I filed the claim XXXX XXXX. Way way more than 90 days! He finally said he was hanging up because he not anyone at Chase had the ability to help me nor could answer my questions. So much for customer service! I have been calling Chase Bank monthly since XX/XX/year>. They can not help nor protect their clients. I warn you to not do business with a bank who claims they have no protection plans and have no insurance to cover their clients!
Product: Credit card

I have been getting emails ( but not statements ) re : a balance with citi card. I have not used this card in years. In fact, I believed I closed the account years ago, so I assumed these were scam emails. I was not receiving a new card when the old one was expired. I never carried this card in my wallet. When I tried to set up an account to view my balance, it would say that cc # is invalid, which it isn't so I would give up. I first tried to call citi a couple years ago, and they wouldn't tell me what the balance on my card was from. I finally tried to resolve this again and called citi several times back in XXXX, and each time they were unable to get into my account. I was persistent called each day my husband was around ( they say his name was the Main cardholder yet MY mothers maiden name and my social security # was the primary on the acct and wouldn't talk to me unless my husband was present ) The first time I called to resolve this issue was mid XXXX. I have called them at LEAST a dozen times to resolve this, each time no one calls me back. There were monthly checks FROM my XXXX XXXX XXXX account going to Citi to pay a balance that was NOT my balance. So I stopped payment ( it was Autopay ) with my bank. Last time I called citi, I finally got someone who could get into my account, and told me " I '' took out a loan on this card back in XXXX of XXXX. I DID NOT take out a loan! She said she would call back in 3-5 days, and she has not! Today I received a call telling me my card was overdue and threatening to send me to collections!! I told her part of the story, she said they need to cancel my card, that the previous rep should've done that. There is a balance of about {$1600.00} that is NOT my debt, I pay my debts. Please help, I'm getting no where.