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

I have had a Citi credit card ( with XXXX ) for the las

t 3 yrs. My husband was added as an add-on card member without my permission and his credit too was pulled for this ( without his permission ).

Recently when my husband pulled his XXXX report he was shocked to see that his credit was pulled for this card and this card was being shown on his XXXX report as an account. As he was not supposed to be on the card, he called Citi Customer Service ( around XX/XX/XXXX/ XX/XX/XXXX )  and explained the issue and asked to be removed from my account. In XX/XX/XXXX when he checked his XXXX report again, this card was still showing up on his account. 
To remove my husband from my account I called Citi Customer service on XX/XX/XXXX and was prompted to go to the automated service. Here I reached a point where I was asked to respond if " You would like to remove an account holder or close an account ''. Only one prompt was given for both actions- NOT A SEPARATE PROMPT FOR EACH ACTION. So, I had no choice but to select the prompt thinking that the next step would be to reach a customer service rep to remove the additional user ( that was the whole idea from the beginning, but the system kept saying choose the prompts to serve better ). However, what happened next was a big blunder by Citi and a nightmare that I am still living. The system just closed my account without confirming my action. I was utterly shocked to hear the automated system telling me that my account has been closed. 
I spent the next couple hours that day and subsequent days running behind the customer service to fight my case. On reaching a customer service agent he spoke like a robot repeatedly saying that this was not a bank error and that nothing can be done. He was extremely rude and not willing to help. On requesting to escalate the matter, he repeated that nothing different will happen even by the manager. Finally after much drama he connects me to the supervisor. The manager here tried her best but she got back saying that the 'final decision ' was that it was not a bank error and so nothing can be done. I was told that I had no choice but to open a new account from the scratch. The bank declined re-opening my account. 
This will have major negative impact on y credit- Closing an active and well maintained account, running my credit again for a new account, changing my card information on all my billing accounts. 
This is a major blunder on the part of the bank and its automation system. I am in no way responsible for this. 
I expect the bank to take responsibility for this and reinstate my account back again without any negative impact.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and completeness of information contained in my credit report due to being a victim of a data breach. I am requesting the immediate deletion and blocking of the following fraudulent accounts, as they were not opened by me : XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX - Reported Date : XX/XX/XXXX - Amount : $ XXXX PERSONAL LOANS - Account Number : XXXX - Reported Date : XX/XX/XXXX - Amount : $ XXXX & XXXX - Account Number : XXXX - Reported Date : XX/XX/XXXX -Amount : $ XXXX C - Account Number : XXXX - Reported Date : XX/XX/XXXX -Amount : $ XXXX - Account Number : XXXX - Reported Date : XX/XX/XXXX - Amount : {$4600.00}
Product: Credit reporting or other personal consumer reports

The incident begins in XXXX where I had an accident with a vehicle which was still under lease. I had no insurance on the vehicle so they put me on their mandatory insurance within their company to a third-party insurance company. I was behind in payment. They had told me that I just needed to be current on my insurance and they would file the claim to the insurance. Then three days later they called me stating that I needed to pay the recruiting balance, but it didnt stop any other form of payment, so there was really no sense of actually getting caught up and it was a perpetual decline. I then won a settlement and paid the loan off completely. Ive contacted the company numerous times multiple times theyve said that I still owe the money then I contact the law firm that represented them and they assure me with indefinite fact, even stated in their letter that All deferred judgment has been released and that they have been paid. I have numerous times disputed the accuracy and the logistics through XXXX XXXX with no prevail XXXX XXXX dispute response states that the information is accurate and no change has been made. Thank you sincerely XXXX.
Product: Credit card or prepaid card

XX/XX/XXXX-2021, I attempted to close my Best Buy Credit Card because of non-use & I already had a Citibank Credit Card, which this seemed to duplicate. They listed a charge for the continued 'XXXX XXXX  ' service, which I hadn't used in at least 10 years. I was told to call their XXXX XXXX service, to remove this, because their Billing Department was, somehow, separate, and I was given a special number. I called and this Representative was able to ZERO my Account, with a small Fee of {$.00} ( cents ), she couldn't remove. for undetermined reasons. I VERIFIED that this was ALL O owed & was assured I would receive NO further Billing, after payment. On XX/XX/XXXX2021, I received a Bill from Best Buy Credit Card, that they were charging me a service Fee of {$2.00}, the Charge they are making against this CLOSED Account seems to be dated XX/XX/XXXX2021, which includes {$.00} ( cents ) of INTEREST on a purchase, not detailed, nor product that was gained/lost/ When I called to dispute this, I finally spoke to a Manager AT the Billing Department and was told he couldn't remove the charge and I would, again, have to call another Department. I was told by this Manager, I would have my good Credit, lowered if I refused payment. This is nothing less than Fraud and terrible Business practice, PLEASE help!
Product: Checking or savings account

My name is XXXX XXXX. On XXXX, XXXX, someone withdrew from my account unauthroizedly for {$5000.00}. On the same date, XXXX, XXXX, XXXX, there is another withdrawl for {$4000.00} that was unauthorizedly from my account. On XXXX XXXX, XXXX, there was another XXXX unauthorzied withdrawls from account, which the first unauthorziedwithdrawl withdrawn from ATM was for {$500.00}, the second unauthorzied withdrawl withdrawn from ATM was for {$500.00}, and the third unauthorzied withdrawl withdrawn from counter was for {$500.00}. I went to the bank on XXXX XXXX to file the claim when I immediately realized my account was unauthorizedly withdrawn by others. The bank showed me evidence that my wife withdrew from my account, since this account was owned by me and my wife. HOWEVER, I HAVE SHOWN THE EVIDENCE TO THE BANK THAT MY WIFE HAD ALREADY LEFT THE UNITED STATES IN XXXX, XXXX AND DID NOT COME BACK UNTIL XXXX, XXXX! I called the bank for many many times but they always said that they couldn't help with different reasons. I think this was wrong for the bank not helping me. I don't know why they declined my request for asking the money from these unauthorized transactions back even that I filed a claim within a week from this issue happened.
Product: Payday loan, title loan, personal loan, or advance loan

Never informed me I would have to pay back 5 times the amount loaned until after I received the loan
Product: Checking or savings account

Early this year, on Friday, XXXX XX/XX/year>, I tried to withdraw money from ATM machine in XXXX XXXX XXXX XXXX XXXX in XXXX - XXXX ), there were two ATM machines one next to the other, one from XXXXXXXX XXXX XXXXXXXX and the other from XXXX XXXX XXXX. My first intent was with XXXXXXXX XXXX XXXXXXXX ATM, I tried twice and didn't receive the money, only a message on the screen then I tried once with the second ATM machine from XXXX XXXX XXXX and didn't receive the money neither just a message on the screen that transaction couldn't be performed. I had immediately called to customer service of XXXXXXXX XXXX XXXXXXXX ( ATM machine in XXXXXXXX XXXX XXXXXXXX ) and XXXX XXXX XXXX and they said when that happens the funds will be refunded between in the next 48 business hours so I waited will Monday, XX/XX/XXXX since the funds were never refunded, I went to one of the agencies of XXXXXXXX XXXX XXXXXXXX in XXXX XXXX XXXX XXXX and a lady from customer service said that there is no problem reported with the ATM machine that I can withdraw money without problem so I tried one more time to get {$100.00} and again the transaction was denied but funds for the amount of {$100.00} were taken from my savings account with Wellsfargo. On Tuesday, XXXX XXXX immediately after my return to NY, I went to nearest Wellsfargo agency to open a claim in person. I also submitted a claim online. I have received letters from the bank and CFPB that my case was closed but months later I have only received an envelope with a check only for just {$200.00} and I still missing the other {$200.00}. Please help to recover the money. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$15.00} ; XXXX XXXX XXXX Balance Owed : {$100.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$75.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$110.00} XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

transunion you sent me a copy of my consumer report on XX/XX/year> stateing that these collection accounts were verified??? 



In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611 provide the names and business addresses of each individual with whom you verified the information so i can follow up. Please send me an updates copy of my credit report after your reinvestigation
Product: Credit reporting

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2015 on EXPERIAN credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/2017 Balance : {$8100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that someone stole my identity and this loan belongs to someone else.
Product: Credit card

On XX/XX/2025 I opened mail addressed to me from PNC Bank. Upon opening it, there was a business credit with a {$20000.00} limit on there. A few days prior to that, in late XXXX, I had gone into the XXXX, OH PNC Bank branch to open a new business checking account. While speaking with them, they were asking me for household income and social security number. I had never opened a business checking since I just started my small LLC and just assumed this was required for the business checking although I provided my EIN for my business. I do not work full time but my husband does. He handles all the household finances so I told the banking rep I was unsure of my household income. He looked at my address and realized we live in a nice HOA and said something along the lines of " well, you live there so he must make a good salary '' then proceed to just make something up. I do not know the amount he entered into the computer. I wasn't sure why all this information was needed but just trusted him since he was the business banker and I was brand new to all of this. I was in shock when that business credit card showed up since I had not asked to apply for a credit card, nor do I want one. The PNC Bank rep applied for a credit card without my consent. I did manage to find a man name XXXX XXXX who appears to be some form of a regional manager. My first call with him was unpleasant and felt he belittled me. However, he did show concern during my second conversation with him after he asked about the credit card terms paperwork and I informed him I did not receive such paperwork in the business checking folder I got from opening my account. I have spent countless hours of my valuable time making phone calls, attempting to track people down, going to a different PNC Bank location, and more. Not only is this frustrating to have to deal with, but they fraudulently took my information, essentially stealing it by deceit, while taking advantage of my lack of experience opening a business checking account. They do not seem to care and I feel like they are just blowing me off. I did manage to close the credit card that I did not sign up for in the first place. However, I am concerned with the impact of having a hard credit check done without my consent. At this point, I do not know which credit bureau they use.
Product: Credit reporting

Experian is taking too long to respond. My husband and I requested an investigation of some of our credit accounts back XX/XX/XXXX. To date, we have not received any response from Experian. We do n't know why its taking so long.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act as a Federally Protected Consumer, according to the 15 USC Code 6802 a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Experian, XXXX and XXXX XXXX are third parties. I have the right to make sure my private information is not shared which is backed by 15 USC 6801. It states It is policy of the Congress that any financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. 15 US Code 1681a Reporting Transaction History is illegal. According to the Privacy Act of 1974 it protects records about individuals retrieved by personal identifiers such as name, social security number or other identifying number or symbol. Individuals have the right to seek access to and request corrections or accounting of disclosures of any such records maintained about him or her. I am NOW opting out of any and all authorization I the consumer may have given written, unwritten, verbal and non verbal Per 15 USC 6802. I have included XXXX privacy policy which clearly states XXXX does not share to NON AFFILIATES. Experian, XXXX and XXXX XXXX are NON AFFILIATES.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions, I have filed for my invasion of privacy 15 US 1681 ( a ) ( 4 ) consumers ' right to privacy and identity theft. Previous case numbers XXXX Transunion, XXXX XXXX, XXXX XXXX XXXX I have proven several times that I never gave written permission to use my information on any credit report. These credit bureaus constantly write back stating that your Bankruptcy is accurate. I already know that. This also shows continuous identity theft by not removing Bankruptcy from a credit report when showing violations. I have filed with Nevada State Attorney General 's office for identity theft. Violation NRS 205.4651.
Product: Money transfer, virtual currency, or money service

I check my Citibank account and I noticed few deposits are coming into my checking and savings accounts and I had to change my passwords and screen Name and I called Citibank and open up a dispute on these larger transactions and they were able to put a stop payment and cancel these transactions but there was a system glitch in the amount of XXXX that came in into my account on XX/XX/XXXX and I never did this or I dont know who bring money into my account and it was canceled and rejected after I called in and report it and it cause my Citibank account to go overdrawn by XXXX but I never withdraw or take any money out if I did then the overdrawn balance would been valid Citibank is holding me responsible for the overdraft balance due to there system glitch ... and I wont pay for this cause I never took the funds from my account and Citibank never offer me to change my account number to prevent more fraud coming in and I do have a pending lawsuit open for this XXXX that was charged into my account that cause a major overdraft on my access account ending in XXXX
Product: Debt collection

After several bill mishaps that resulted in credits, I decided to purchase some items ar Kohl 's. As it sometimes happens, several items were returned and a credit was issued, which was then used on replacement items. After the replacement items were purchased, I assumed that the credit had covered the cost of the new items. This was not the case and I was unaware that I owed {$1.00} after my purchases were made at the Kohl 's in XXXX, NH. I never made me aware of the fact that I owed this paltry amount, until XXXX notified me that my credit score had been reduced by 60 points. 

I contacted Kohl 's immediately to pay the outstanding balance and inquired as to why I was never informed of this balance. That question led to them informing me that I couldn't resolve the case directly with customer service ; I would have to submit a formal complaint to Kohl 's for their internal team to investigate. Upon the completion of the internal audit, Kohl 's decided that I was ultimately at fault for a bill that I never received via email. 

I was also told that they couldn't change the verdict because " Updating the information as you have requested will create an inaccurate representation of the status of your account with us. The integrity of the credit reporting system relies on the validity of the information furnished ; therefore, we are unable to comply with your request to update this information with the credit reporting agencies. '' There is no issue with my payment record with Kohl 's prior to this measly amount that I didn't know about and I made a payment as soon as I was aware that there was a balance. I also find it absolutely ridiculous that during a global pandemic, where people are losing their jobs or being furloughed, that Kohl 's is holding my credit hostage over such a ridiculously small amount of money.
Product: Checking or savings account

To Whom it May Concern, On the evening ( approximately XXXX XXXX. ) of XX/XX/ I made a mobile Bank of America deposit of a payroll check from XXXX XXXX XXXX XXXX in the amount of {$5500.00}. According to Bank of America 's Cutoff times for deposits, transfers and payments -- see https : //www.bankofamerica.com/XXXX  -- mobile checks must be deposited before XXXX XXXX ET for same-day credit and as I quote from their website : " Funds will generally be available the next business day. '' After my mobile deposit was completed, I was informed via email that my funds will not be released until the date of XX/XX/ at approximately XXXX XXXX ET. Due to the large amount of funds, my payroll check falls under the deposit exception rules stated in federal regulations. However, the FDIC Law, Regulations, Related Acts states in 229.13 ( b ) that : " Under 229.13 ( b ), the large deposit exception, a depository bank may extend hold schedules when deposits other than cash or electronic payments exceed {$5000.00} on any one day. A hold may be applied to the amount in excess of {$5000.00}. To apply the rule, the depository bank may aggregate deposits made to multiple accounts held by the same customer, even if the customer is not the sole owner of the accounts. '' Bank of America is in violation of these stated regulations. Under 229.13 ( b ) Bank of America is required to release these funds as stated on their webpage. Bank of America is violating this federal regulation by withholding all monies. Under federal law, Bank of America is legally required to release the first {$5000.00} within the next business day and may hold any monies or excess over {$5000.00} for a maximum of 9-business days as stated in the FDIC Law, Regulations, Related Act. 

I have contacted their corporation using numerous mediums but their company refuses to resolve this dilemma and continues to hold my monies, including the first {$5000.00} untilXX/XX/XXXX My intent is resolve this injustice and bring attention to how this corporation is noncompliant with federal regulations. I am only one customer, but I encourage the CFPB to look further into this issue since it appears to be common practice with this entity. I am surely not the only victim. 

Regards, XXXX XXXX