23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

PLEASE NOTE : Below is admittedly being pasted across various public forums. I am exhausted after battling with Citi for hours on the phone. I hope this is presented in a meaningful fashion. I just don't have it in me to rewrite it. 

I have a 100 % perfect credit history. Zero missed/late payments in my well-over-a-decade-old history. I've been using Citi for my credit cards for probably a decade. Payments are on auto, set up on the Citi website ( not thru my banks bill pay system ). 

I just looked back at my YTD transactions and noticed that Citi has been charging me " Return Check Fees '' bi-weekly ( the frequency of my autopay ), for most months, and occasionally interest! For the months that had both fees and interest, the two fees ( one per autodraft ) plus interest is {$140.00}. 

What's interesting is that they are getting their money every time... They say their system makes a handful attempts to withdraw, with an interval of a few hours or a day. 

If an attempt fails, the user is charged a fee equivalent to having not made the payment at all. 

The bottom line is : they get their money, and the payments are never late. They cant justify the fees with a lack of funds, as one can deduce that the funds are available, because I have no missed or late payments on record. 

* * * Is it just me or is this blatantly predatory? * * * I just got off the phone with a Citi supervisor and she stated clearly multiple times that my payments were never late. The technicality they've got me on is that I authorized them to withdraw on a date X, and often times the money was only available in the account 2 or 3 days later. She very clearly stated that the bi-weekly auto-draws occur well before any due dates. She very clearly stated that these are not late fees. They are penalties for making their servers ask my bank for money again a day latera fully automated process that costs Citi fractions of a cent. 

Ill be the first to admit that I wasnt watching funding source checking account like a hawk, so I bet Citi did have to ask my bank more than once. Still Citi is auto-drawing well before any due dates. What is the trouble really? If a payment isn't late, any kind of penalty should be ILLEGAL.
Product: Credit card or prepaid card

I can not get into my account since XXXX of 2022. 
called numerous times and talked to reps and supervisors, i contacted XXXX XXXX and they became involved with this account. know matter what we ask for. IT to call me or help me get into the account, ask for paper statements from XX/XX/2022 to present.by reg mail, replacement of card took almost 3 months to get because i had fraud on this card and one other account. I told them that I'm not paying for something i can't see what it is because of the fraud that was on my account. All they keep saying since XXXX is IT is working on it. One of the supervisors said a lot of our accounts the customers cant get into there accounts and she hasn't heard of any complaints.I closed my account in XXXX 2022 because of this problem. 

XXXX XXXX and myself has tried everything we could to help me get my account correct. I told Milestone I'm not paying until i see what I'm paying for,,
Product: Payday loan, title loan, or personal loan

I took a installment loan out on XX/XX/17 for {$1600.00}, I received the money via ach transfer into my checking account. 2 weeks later I started making payments of {$140.00} which was deducted automatically every 2 weeks via electronic transfer. It was a high interest predatory loan a tribal loan. To this day after paying over {$2500.00} back the balance is still about {$1600.00}. To avoid this crazy interest i tried to contact company to pay it off to avoid the crazy interest. However starting over 1 month ago i tried to reaching the company but the number would go straight to a voicemail every timei called during normal business. I then noticed the website was gone and a new website was created with some type of shopping portal intro near the sign in. I emailed the company via the fake chat option, i emailed the support line only to get the message returned back to me. Next they went from deducting my account via ach transfer to making up a phony check. I then alerted my bank and am in the middle of closing the account. I believe they were shut down for legal reasons as I see many reports online about this company working under everal different business names and many complaints against them.
Product: Credit card or prepaid card

Please see the attached document outlining the errors and lack of investigation on the following disputed charge : Date XX/XX/2020 Amount {$1700.00} XXXX XXXX XXXX XXXX XXXX TX CITI failed to properly investigate this dispute charge as evidenced by the following : 1. ) The documentation provided by the merchant was not only provided to me far past the allowed timeframe to finalize the investigation.

2. ) The documentation provided by the merchant is for a charge months after the disputed charge took place.

3. ) The documentation provided by the merchant is for a completely different amount than the disputed transaction.

4. ) CITI changed the dates of the dispute, as well as the dates of the charge in their correspondence.

5. ) CITI employed deceptive trade practices and subterfuge in an attempt to make me believe my consumer rights did not apply. 
6. ) CITI failed to follow Reg Z and Fair Billing Practices Act, as well as the member agreement and the XXXX dispute resolution guide. 
7. ) The disputed charge was made on a previously reported stolen card, which had been closed. Furthermore, the card was not even present at the time of the transaction.

8. ) CITI failed to properly protect my information by providing the merchant with the new card information, despite knowing the card had been compromised and stolen.

9. ) CITI failed to provide the ledger of charges as promised in their letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account from XXXX XXXX on my credit report. This account does not belong to me it belongs to my ex-wife and she has agreed per our divorce decree to pay this account along with her other account XXXX XXXX. XXXX XXXX says joint account on my report and its not a joint account it is the ex-wives account and responsibility which she is paying, making payments current, last payment was XX/XX/XXXX. It is not mine and I want this removed from my report immediately as I have disputed with XXXX, XXXX and Transunion. I disputed both XXXX XXXX   and XXXX XXXX with all 3 companies on XXXX again on XXXX again on XXXX again on XXXX again on XXXX again on XXXX again on XXXX. I have submitted my divorce decree and the fact that I have not lived with this woman since XXXX and every single dispute they tell me the result is that these accounts will remain on my report I have called the companies themselves on several accounts and left detailed messages and no person returns my call and I just get alerted after every dispute that my results are ready and the accounts remain. Please help as I have paid to XXXX {$24.00} monthly since XX/XX/XXXX and I dont know what else I can possibly do or how I can be more clear and proofing to these 3 companies XXXX, XXXX  and Transunion they took other debts that werent mine off per my divorce decree but refuse to remove XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Theres been multiple data breaches and now I have a bunch of accounts that is not mines
Product: Bank account or service

USAA has limited, basically blocked my access to their institution because of a credit card charge off, due to a divorce. I have many other accounts with them however I can not access all features of them due to this XXXX charge off. I pay my bills on time and the only negative thing is this credit card. I have since closed my checking and savings accounts with them, but have maintained all insurances with them. I have called USAA multiple times trying to access my information and they have refused to help me in this. Their only excuse is because of I have a credit card in bad standing with them, they have blocked my online and mobile access, and it is not possible to reinstate it until the credit card is back in good standing. This is humiliating, and a punishment from a bank. Absolutely ridiculous treatment to their military/veteran customers. We sacrifice and they discriminate. How is this even legal to do?
Product: Credit card or prepaid card

Sponsored account for teen. Teen lost card and phone. Unable to use sponsored account. Stranger sending pay requests to account. Cashapp not concerned. Not allowing parent to close account sans starting balance is now deceased by small amount but decreased. Cash app not helping me. Told me to create a second sponsored account to do s transfer then couldnt do the transfer. Today can not hello at all will email me later
Product: Mortgage

This is a follow up to complaint # XXXX. 
On XXXX XXXX I submitted a complaint referenced above about Bank of America not following federal guidelines. Our area was hit by Hurricane Irma and declared a FEMA as eligible for individual assistance. 

Since this complaint I have been assigned three different XXXX XXXX XXXX ( XXXX ) ( XXXX XXXX, XXXX XXXX and now XXXX XXXX ) I have stayed in contact with the these various contacts throughout the forbearance process. I have received numerous piles of forms from Bank of America and each time I call them they tell me to ignore the paperwork. 

On XXXX XXXX, XXXX at XXXX XXXX I contacted XXXX XXXX ( XXXX ) XXXX. During that call XXXX informed me that I will not need to pay the total amount due and that my payments during the forbearance period will be added to the end of my loan. This is in accordance with the federal guidelines. XXXX then informed me that I will resume my mortgage payments starting on XXXX XXXX and there will be no penalties and the loan will resume as normal. They did note that there may be an escrow adjustment in the near future but that the payment would remain the same. I requested that this be in writing. XXXX told me that the call is recorded and that my account reflects these approved changes. 

Bank of America produced a letter on XXXX XXXX that i received XXXX XXXX ( attached ). The letter clearly states that if I do not make the payment in the full amount owed during the forbearance that I will be assessed late fees and more than likely be reported to the credit agencies. 

I have no trust in XXXX XXXX XXXX and I they have never provided me with accurate information. I have made numerous phone calls and I have even stopped by my local branch office at XXXX XXXX and XXXX XXXX in XXXX, FL. 

The purpose of my complaint is to report that Bank of America is not providing consistent information and that they are still violating the federal guidelines for XXXX XXXX loans approved for individual assistance in area declared disaster area by FEMA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 UCS 1681 Account name Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights 15 u.s.c. 1681 section 602 a right to privacy 15 u.s.c. 1681 section 602 a section 2 also states that a consumer reporting can not furnish account without written instructions 15 u.s.c 1681c. ( a ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c 1681s-2 ( a ) ( 1 ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Reporting on credit report for XXXX XXXX that is fraudulent as the terms were changed by hand writing on contracts after contract was signed. I was not informed of these changes. The tax and payment information was altered and was not the original agreed to amount. This must be deleted from credit report. Police reports were also filed. 

Also this company is filing lawsuits against me in jurisdictions where I do not live in an effort to gain default judgements this is unscrupulous.
Product: Checking or savings account

I want to file a complaint for overdraft fees from Navy Federal Credit Union. Causing my account to go negative when funds were available. Pending transaction which I should be processed as soon as I made the purchase. Thinking I had money about I'm XXXX now in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. XXXX there is some inaccurate information reporting. XXXX XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 8. there is some inaccurate information reporting. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 9. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Delete this account. 10. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 11. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 12. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 13. there is some inaccurate information reporting. XXXX  Account Number : XXXX Delete this account. 
14. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 16. there is some inaccurate information reporting. Account Number : XXXX Delete this account. 17. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 18. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX  19. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 20. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX is being reported on my XXXX, XXXX, and Equifax credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.
Product: Checking or savings account

I had a certain amount of money in my account but I noticed I had XXXX dollars more a day later than expected. I called my bank about it XXXX times the first time they just told me my recent transactions, the second time they did the same and said that was the correct balance, and I was told the amount I have is correct the third time and that Im alright to spend the money ( I assumed its a rebalancing of all the transactions I had finally being taken out of my account so a slight banking error/glitch ). I just wanted to make sure which is why Im filing this report because I know a lot of things could not reach the appropriate people at my bank and I dont want to get in any trouble with authorities or my bank.
Product: Checking or savings account

StartingXX/XX/XXXX I started noticing unfamiliar patterns in the handling of my account from not getting emails notifications etc. I addressed this on multiple occasions inside the Alliant Credit Union app, many phone callls placed. On XX/XX/2021 my card was compromised brutally by a theft process called skimming where your information or card is cloned. I thought I dropped my card and someone picked it up but thats not the case. I disputed some unauthorized activity to Alliant Credit Union on many occasions and I was denied every last credible request to get my money and also was told there was no signs of illegal activity. I knew I wasnt fabricating this situation but I was at the mercy of the bank taking sides with the criminal activity I found out later. I was locked out of emails months at a time. I am filing this complaint because I wanted documented how I was robbed by XXXX XXXX gulping money from Alliant Credit Union account. I needed someone at Alliant Credit Union to examine the facts and not MY RACE to decide how I would be reprimanded instead of the perpetrators. Not to mention my account was closed. I am just now able last month being to establish solid banking relationships again and I will not allow anyone to intimidate again if my claims are fact. I would like to share the lack of care by Alliant Credit disregarding me as I had an investigation with the securities and exchange commission regarding my assets and XXXX XXXX was the subject. XXXX XXXX WAS SUCCESSFULLY ATTACHED AND APPROVED AS A EXTERNAL BANK CONNECTED TO ALLIANT CREDIT UNION. I dont know who XXXX  XXXX IS. I have provided proof of the fraudulent overlooked and lack of care by Alliant not catching this but they definitely penalized the innocent customer.please see attached.
Product: Credit card or prepaid card

I rented a car with XXXX XX/XX/XXXX in XXXX, CA. The pickup time was XXXX. I was charged for the car in the class I rented ( XXXX ) and was told to wait. Hours later, they tell me all they have is an SUV. I had a large amount of miles to drive and didn't want an SUV. They told me take it or leave it. The XXXX agent also threatened to follow me home if I caused a problem ( I am not kidding ). 

I called Chase card to content the fact that they charged me for Car Class A and gave me Car Class C. I don't care if it is technically an " upgrade '' because I did NOT want a large SUV for such a long drive. Chase refused to even contest the charge. 

I demand a full credit for the charge. It is completely not what I paid for. I will also be pulling all my money out of Chase, which includes CDs, investment accounts, and family accounts. Maybe Chase should review my call with the agent who told me " well, you took it. '' That is not how you are supposed to treat customers when they are bait-and-switched by a company. Failure to credit this charge in full will be considered an admission of complicit action by Chase to ensure an inaccurate and fraudulent charge is upheld in a customer 's account.
Product: Checking or savings account

Background : I was sent a letter by Bank of America to update my personal information in XXXX XXXX. I did not respond to it. In XXXX XXXX BoA cancelled my XXXX card. 
I went to a BoA Center and inquired about my XXXX XXXX. I was told that there was some fraudulent activity on y account and Debit card was cancelled. While at the banking center I informed them that i have received a letter from BoA requesting additional information. 
I was told by BoA representative that all information on y account is current and he provided me with a temporary XXXX Card and BoA sent me a new XXXX card with in a week with no intimation about reason of XXXX card cancellation. 
On XXXX XXXX XXXX BoA froze my personal checking account, without any warning. I came to know about this fact when my credit cards payments started to bounce. 
I called BoA on XXXX and that was the first time I was put in-contact with BoA compliance department. I provided the required information and was told that my primary checking account will be unfrozen. 
I called back again on XXXX morning an was told by BoA compliance Supervisor that my Primary checking account is now open and I should continue with normal banking activities. In evening i tried to pay my XXXX Credit card and the payment bounced again. 
On XXXX XXXX back closed both of my credit cards, citing those as high risk accounts due to multiple returned payments. 
Impacts Bounced Mortgage Payment Bounced Car Payment Bounced XXXX XXXX XXXX XXXX Bank closed both my credit cards marking me high risk customer due to multiple returned payments Severe Impacts to my XXXX XXXX The above situation was caused by complete lack of communication between different departments of BoA. 
If my debit card was closed on an advice of Compliance department, the branch did not give me any indication of that fact, rather I was issued a new XXXX card. 
No communication was done to my before closing my XXXX card or XXXX account. 
BoA regularly uses Text messages and emails to communicate. In this case no out reach was done. 
Even after reaching BoA compliance department, I was provided wrong information by their supervisors. 
I was repeatedly told that various BoA employees did not provide me the right services, thus impacting my life in a very adverse manner.