23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to seek urgent assistance regarding an unprofessional experience I have encountered with Citibank related to a recent travel disruption. 

Approximately one month ago, I used my Citibank credit card to purchase XXXX plane tickets through XXXX for a trip with XXXX  XXXX XXXX. The total amount charged was {$1300.00}. However, I soon noticed that this transaction was divided into XXXX separate charges : {$620.00}, {$620.00}, and {$85.00}. The tickets, which are return tickets from XXXX to XXXX ( XXXX ) with a stop in XXXX, were scheduled for XX/XX/scrub> 2024. 

Subsequently, we were informed by XXXX that the airline had canceled our flight and would issue a full refund. The airline also advised us that if we still wished to travel, we would need to rebook. We had no choice but to rebook our tickets using a different card ( XXXX XXXX ) for payment. 

Despite providing Citibank with substantial evidence supporting our situationsuch as proof of the rebooking along with bank statements reflecting the different payment methodwe have yet to receive the refund for the initial transaction. 

I have opened XXXX disputes with Citibank regarding these charges : XXXX. **Case ID XXXX for {$620.00} ( opened XXXX XXXX, 2024 ) XXXX. **Case ID XXXX for {$620.00} ( opened XX/XX/year>2024 ) XXXX. **Case ID XXXX for {$85.00} ( opened XX/XX/scrub> 2024 ) While I have complied with all requests for documentation, Citibank recently closed Case ID XXXX in the merchant 's favor, despite the clear evidence we provided. In regards to the other XXXX disputes, I received communication stating that they still require more information from me. However, it's Been 48 hours & I still don't see any notice from Citibank under the Notices & Letters and yet the already reversed the temporary credit they issue to my account. 

I am increasingly frustrated and distressed by Citibank 's lack of professionalism and inadequate handling of this matter. I am now seeking legal assistance as I feel I am not receiving a fair resolution. 

I would greatly appreciate your guidance and support in addressing this issue with Citibank. Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This problem is old with bank of america They charged me a lot of fees And after they closed my accounts
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, Dept of ED I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information under paragraph ( 1 ) of any information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information has be modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 th ey are suppose to not furnish any information relating to a consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 ) 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. 
XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been reporting inaccurate information INTENTIONALLY on my report. I have sent them numerous request to remove the inaccurate information under the FRCA fair credit reporting act and they it has not been fixed, under 15usc 1681 accurate and correct information has to be reported. This has been reported XX/XX/year> on my report of " paid closed, {$870.00} written off. '' where XXXX XXXX has been paid in full and the credit bureau is not reporting the status correctly. 

I do not owe XXXXXXXX XXXX and They have been reporting incorrect status which is showing my account as still " {$870.00} written off '' in the status
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/year>XXXX XXXX XXXX XXXX XXXX added a derogatory mark to my credit report per XXXX XXXX Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditors did not verify this collection. Also, there was NO form of communication, contracts, or signatures for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRAXXXX XXXX XXXX XXXX XXXX violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Debt collection

i filed numerous disputes with representatives at Equifax and online for an collections account that is from XXXX XXXX XXXX for the amount of {$570.00}. XXXX is showing that services were in my name at the address XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX. I have never lived at this address i lived with my sister at the time and her address was XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX. I have already explained this to representatives on the phone that the apartment number was incorrect and that i did not live at apartment number XXXX but that i lived at apartment XXXX and it did not belong to me. We never had XXXX services in my name at that Address i have Bank statements that verifies my residence. Equifax refuses to remove this unverified debt from my credit report. This account has also been removed from all other credit bureaus which is evidence that this debt can not be verified.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx. XXXX DOB : XX/XX/XXXX SSN : XXXX XX/XX/2024 Equifax Information Service LLC XXXX XXXX XXXX XXXX , Ga. XXXX FELLOW UP LETTER To whom it may concern : Upon inspection of my credit report, I noticed the following information is continuously being reported incorrect : My full name is : XXXX XXXX XXXX There should be no other name/aliases listed on my report. Please remove any other names/aliases you have listed as they are incorrect. 

My current address is : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, Tx. XXXX Any other addresses are in correct, undeliverable and I have no access to them. Please remove any and all incorrect addresses immediately. 

My current employer ( s ) : None There should be no other employer ( s ) listed on my report. Please remove all other employers you have listed as they are incorrect. 

You are harming my ability as a consumer to obtain credit by putting out my credit report that contained inaccurate and/or obsolete information. 

Although you are not XXXX  Its my understanding that XXXX has agreed to pay {$22.00} million to resolve claims it hurt consumers ability to get credit by adding allegedly inaccurate and untrue information to their credit reports. 

Equifax you are making my credit report which using outdated home address/ undeliverable address and multiple aliases with incorrect information to report it as high-risk for credit fraud reports. 

Its my understanding Equifax company policy DOESNT oversee that theyre obligated under the Fair Credit Reporting Act to put out credit reports which are as accurate as attainable and that dont include any adverse information that is obsolete. 

It is my belief that the sole and only reason that YOU continue refusing to remove all name/aliases & addresses other than what Ive given with the documentation that validate my CORRECT full name & CURRENT & ONLY address is to flagging it as being HIGH RISK OR NON-RESIDENTIAL which benefits YOU monetarily. 

Attached is the supporting all REQUIRED documentation to validate my dispute. Please update your records accurately & send me a updated copy with my accurate personal profile information promptly. 

Thank you Sincerely, XXXX XXXX XXXX XX/XX/2024
Product: Credit reporting 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 and confidentiality under 15 USC 1681. 

Account Name : XXXX account Number : XXXX Account Name : XXXX. Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX 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 an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items 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 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Checking or savings account

Chime states that they closed my account back in XXXX of 2024 due to my account not being in compliance to their partner bank, " XXXX XXXX Bank ''. However, they never gave reason or explanation of the incompliance. Furthermore, Chime refuses to relinquish remaining funds due to me. Claims that of the company will only send remaining funds in the form of a check to the address on file. While my address is no longer on file and they refuse to update this information for reasons that further allows them to retain consumers monies in their possession. I have contacted this company numerous times and have received no resolution on their behalf. I have several email correspondences that kept me in a loop of contacting a support email and calling the customer service support line with no resolve for me, the consumer. Chime claims they are not able to update information on the account once an account is closed. I find this to be malicious business practices in place to keep consumer funds in possession of their organization. I am due monies in the amount of {$740.00} recorded via their accounting, however I believe to be due more than that amount as my information was compromised and also Chime was informed of this as well. I do not have access to my account and can not see or obtain any accounting data because Chime has made it impossible to do so. Violating my rights as a consumer in virtue of these acts by the company. Please advise on any remedies to have any funds due me the correct and accurate just amounts I am owed by Chime. Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Huntington Bank reported a thirty day late when I was told it would not show up as a late pay. this was during covid stay at home orders, I was current prior and am current now on payments. I called Huntington and they assured me because I called they wouldn't report this late, not only did they not withhold their aggreement, they violated Public Law No : XXXX ( XX/XX/2020 ) Coronavirus Aid, Relief, and Economic Security Act or the CARESAct - SECTION 4021 The Cares act requires the account be reported as current, i.e., the payment history field should be reported as not being past due while the account status field should be reported as current. 

I have sent them letters and they have yet to respond. Please see attached.
Product: Vehicle loan or lease

I got into an accident I lost my job .my life has stopped completely
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I contacted CarMax and allowed them to run my credit as I was trying to buy a car and my credit I was trying to rebuild which I made vary clear to them, long story short, I was approved for a vehicle, when it came time to arrange delivery of the vehicle I told them I would pick up in XXXX, when I called to make arrangements a manager spoke to me and said when you get here I need you to sit at my desk and pull up your bank information in front of me so I can verify everything, I was blown away after I told him what I felt I backed out of the deal, it was clear they profiled me I know this because I have been to prison once for identity theft, which I paid my debt and never repeated, then they proceeded to run my credit over 52 times after I was approved, the CARMAX dealership in XXXX is where all those inquiries came from and I live in XXXX, I've spoken several times to CarMax customer relations I fully admit I did about 15 applications during that time looking but not the 72 times that has appeared and partially still appears on my credit report, I was at a XXXX rebuilding those and partially my efforts took me to XXXX I still need a car and this is delaying it I have my own business on the side and can't do it or get to my job, this the pandemic, the, XXXX XXXX dealerships, it's just like parole it's not set up to help a person who wants to succeed do that.
Product: Credit reporting or other personal consumer reports

XXXX has me listed as paid on time from XX/XX/XXXX thru XX/XX/XXXX but then lists me as 90 days late for XX/XX/XXXX and 120 days late for XX/XX/XXXX. This timeframe was listed as a forbearance and XXXX stated in XX/XX/XXXX my credit report would be corrected but never was. I submitted a dispute letter to TransUnion, XXXX and XXXX in XX/XX/XXXX with no response and again in XX/XX/XXXX with no response or correction to the my credit report. I even included a copy of my XX/XX/XXXX credit report to all three agencies. 

I received notice last month that XXXX is no longer allowed to handle student loans due to a law suite . This error has negatively impacted me for over a year and is still impacting my ability to acquire fair credit. 

XXXX, TransUnion, XXXX and XXXX failed to what was required of them by law.
Product: Checking or savings account

I was trying to open an account online. I had to drive almost a hundred miles to get to a branch for Wells Fargo to approve my online banking?
Product: Money transfer, virtual currency, or money service

We sold our home on Friday XX/XX/2022. A wire was sent from XXXX Bank at XXXX CT. It is now XXXX on Tuesday XX/XX/2022 and Bank of America refuses to release the funds to our account. This is for a home sold in XXXX Tx to by US citizens to US citizens using 2 US banks to transfer money. This should be an easy process but Bank of American is holding our money saying it is in " Mandatory Regulatory Review ''. They will not give us the reason for this review process or when we can expect to see the proceeds from the sale of our home to be deposited in our account. This is a significant amount of money {$530000.00}. Their refusal to give us our money is soon going to cause my family serious financial hardship. There is nothing unusual about selling or buying a house. We need our money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed a guarantor statement when my daughter and son-in-law obtained a lease for a home in XXXX XXXX, Iowa XXXX XXXX XXXX XXXX XXXX. My daughter was told during the second year that my guarantor agreement was being canceled due to their prompt payment. My name did not appear on the lease on either year. When they moved out the landlord provided them a list of damages that totaled {$1300.00} more than what their security deposit showed. That was done within the 30 days required under Iowa law. But my credit report was hit because the amount was not paid. When I inquired, I was told the total owed above the security deposit had now risen to {$3900.00}, and that I was liable. Again, I don't think I owe the money, but I don't agree that a landlord can continue tacking on additional charges over a long period of time without the tenant having recourse. My daughter is taking them to XXXX XXXX XXXX. The Iowa Attorney General referred me to an Iowa agency called XXXX, who recommended Small Claims. Again, I am seeking to have my Excellent credit rating restored, and I am seeking redress against this exploitive landlord.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, BLAKELY WITT & ASSOC. added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, BLAKELY WITT & ASSOC. has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT Account numberXXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Navy Federal it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : [ Navy Federal XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23. ] Your company is in violation of the FCRA and XXXX XXXX and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) { XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 } you reported transactions from to my consumer report. 
does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to or experiences between the consumer and the person making the report ; The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer XXXX remove transaction from the report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting me with late payments and that card belongs to my dad.

XXXX XXXX is reporting 2 credit cards with late payments and those cards belong to my dad
Product: Checking or savings account

I placed a dispute with chase due to me loosing my card. I placed the dispute the following business day due to call center being closed. After being issued a temporary credit Im credit was then token back. No documents sent to me or anything. I spoke to several reps and they told me they would not re open claim because it was not worth and that they did there job already after I asked to provide proof. The place where holds all my funds couldnt even reopen a claim for me. This was my 1st and only dispute! I am going to every media outlet with this.
Product: Vehicle loan or lease

So in 2017 or so, my car suffered from hail damage. I decided to use the check to pay off my vehicle as opposed to fixing the dents. I called both my insurance company and US Bank ( Loan Issuer ) ahead of time and told them what was happening. US Bank said that once the check cleared, I'd have my title in 30 days. I called them 30 days later asking why the title hadn't arrived. They said that they had shipped it to my insurance company. My insurance company sent the title back. I've called them multiple times throughout the years and they always say that it will get here in 30 days, but I never receive it. Now US Bank has lost the title and insists that I have to go to the DMV to pay for a new one
Product: Credit reporting or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND THAT SOMEONE STOLE MY IDENTITY TO OPEN CREDIT CARDS, CAR LOANS, PERSONAL LOANS AND XXXX. PLEASE REMOVE I HAVE SENT MULTIPLE CERTIFIED LETTERS TO THIS COMPANY AND HAVE NEVER RECEIVED A RESPONSE PLEASE HELP ME I WILL LIST ALL INCORRECT INFORMATION BELOW. I HAVE ALSO FILED A IDENTITY THEFT REPORT WITH THE FTC WHICH I WILL ATTACH TO THIS FORMAL COMPLAINT. 

ALL INCORRECT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX