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

To Whom It May Concern, I am writing to formally file a complaint against Citibank regarding a recent and troubling experience I have had with their services. 

On XX/XX/XXXX, I deposited a payroll check into my Citibank account. Shortly after, I found myself locked out of my account with no clear explanation as to why this occurred. I have attempted to reach customer service multiple times, but each interaction has been frustratingly unhelpful. 

Citibank has informed me that they need to conduct an investigation, which, according to their terms and conditions, could take 30 to 60 days. During this time, I have no access to my funds, leaving me in a precarious financial situation.

This level of customer service and lack of transparency is unacceptable. It feels as if my hard-earned money has been unjustly withheld, and I am left feeling helpless and frustrated. 

I believe that no one should have to endure this kind of treatment from a financial institution. I strongly urge others to reconsider opening an account with Citibank based on my experience. 

I hope the CFPB can help address this situation and hold Citibank accountable for their actions. 

Thank you for your attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This account was just reported on my credit profile as collection and caused my score to drop by XXXX points. I have no knowledge of this account nor was I notified first of the debt before being place on credit profile. Please remove ASAP as is hurting my credit now. I have also reported this to the credit bureau, but haven't heard back. Please provide proof that this debt is owed by me and that you are the original creditor baring my signature. 

Thank you.
Product: Debt collection

I am approximately 1 week late on a loan from Loan Me and they have consistently called me at least 6 to 8 times per day since XXXX XXXX from various phone numbers. I have emailed their representative advising him that I lost my job and need some time to contact them by the end if next week to make a payment arrangement. These collection calls are very aggressive and predatory. 
I do not know how to stop them from calling my phone all day and night!!
Product: Debt collection

In XXXX of XXXX I ordered an XXXX from XXXX using their online store for a total of {$770.00}, when I made the order I mistakenly ordered a 9.7 inch XXXX when I wanted to 12 inch. I immediately called XXXX to change the order, the agent on the phone took the new order and canceled the original order. 

XXXX mailed both XXXX to my home address and started billing me for both XXXX including ; {$32.00} per month for the tablet purchase {$10.00} per month for the carrier access fees {$34.00} per month for the highspeed data When I received the devices I notified XXXX by phone they had sent two devices and I need to return one. They said they would send a return shipping label for the device, but that did not arrive. 

Over the course of 6 months I made repeated attempts to return the device with XXXX via phone, eMail and store visits. From XXXX until XXXX I consistently paid the bill in full every month despite the over charges for the XXXX. It should be noted I had a number of devices in addition to the iPad in question. In XXXX of XXXX I was finally able to return the device to XXXX, but out of frustration I canceled all services with XXXX and returned the remaining devices. 

I was credited {$760.00} for the XXXX, but given no credits for the services ( 6 Months * $ {$44.00} = {$260.00} ). XXXX then started to charge additional fees for other devices returned and for base cell service ( Given a base charge would be shared with the other devices ). 

Now XXXX has recharged for the tablet and is again charging services for a device I did not order, was delivered in error and returned.
Product: Credit card

The company prosper credit card stated I was late on my payment for XX/XX/XXXX untrue. 

This payment was scheduled for automatic withdrawal on XX/XX/XXXX for the XXXX payment. The company did not apply this to the XXXX statement they back dated the payment to XX/XX/XXXX ( no payment was scheduled for this date ) and applied it to the statement for XX/XX/XXXX dared XX/XX/XXXX. 

I have paid this company on time ever since I have had this card. I tried to explain where they made their mistake on multiple occasions. 

I spoke to XXXX on XXXX at XXXX, who stated he would escalate this to a XXXX because he could see the error. 

Then I received another call from XXXX on XXXX XXXX XXXXXXXX who tried to work with a supervisor and had to transfer me to customer service because he could not see all the records this occured @ XXXX her name was XXXX she opened a ticket stating a technical issue on the account. A computer glitch to the internal team. Ticket number XXXX. She also stated she would escalate this issue. She would also make sure the credit Bureau would be notified i was not late. 

XXXX stated to me the payment I paid on XX/XX/XXXX was credited on XX/XX/XXXX which made me late I disagreed since the payment was set up for automatic payment on the XXXX and they applied it 7 days later. Holding my payment before they posted it. Even so, my payment is not due until the XXXX of the month, and therefore, since they posted it on the XXXX, it still would not be late. I received a couple of excuses for this issue, and ultimately, they blamed this on a computer glitch. 

XXXX did reverse the late fee. However, they are still stating I am behind on my payment, requiring me to submit a payment of XXXX. 

The records indicate I scheduled a payment on XX/XX/XXXX it was deducted from my personal bank on XX/XX/XXXX. Their record indicates this payment was posted on XX/XX/XXXX, which makes no sense. I do not trust this company to follow through and correct their error, and if they did this to me, how many more customers have the same issue Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

First my credit report said I had a ( personal ) account not co-account for a leased auto from XXXX which was actually my wifes car which I signed on with her it stated that I owed {$1000.00} this was incorrect neither I nor my wife owed that amount she had since leased another auto and closed that account out I filed a dispute and was told one department didnt report to the other. Has since been removed. After which my score dropped on XXXX report. In XX/XX/XXXX my personal auto loan which I got in XX/XX/XXXX time was up and I hadnt paid it off yet due to hardships I filed bankruptcy and did not include the vehicle as I wanted to pay it off so I kept it as a reaffirmation of debt, at the time my loan was to be paid off ( ie the loan term had ended ) XXXX contacted me and offered to allow me to lower my payments so that I could pay auto loan off but befor I could do this I had to pay late fees on original account of {$170.00} they sent me forms to fill out and pay the late fees, which I paid because I couldnt enter the new agreement til old late fees were paid off I had to have the documents notarized which I did and sent them back, in XX/XX/XXXX I paid off balance of loan in the amount of {$280.00} suddenly the late fee turns up again I called them in dispute and was told it would be resolved, my XXXX   report corrected it and showed no auto loans they were paid off but my XXXX report stated that I still owed {$170.00} it also stated that a remark had been added to my report between ( XX/XX/XXXX and XX/XX/XXXX ) that there was a reaffirmation of debt which caused my score to drop .there was inXX/XX/XXXX a reaffirmation of debt when I and my wife filed a bankruptcy but this was already on my report it seems it was added again which is unjustified since the loan has been paid off my XXXX score went from XXXX to XXXX something so when it was resolved with them it went back to XXXX which I see as unfair considering it was higher that that befor mistakes now my XXXX has fell from 570 something to XXXX because of similar problems with XXXX reports. I donot owe them anymore they agreed when I spoke with them over the phone yet it still remains on my XXXX report they said theyre sending me documents which will show everything was paid off and that it was my responsibility to send them to credit agencys to correct but I have not received them I think since they admitted they were in err they should along with XXXX do something to restore my credit to where it was befor the ( ( mistakes ) ) and then adjust it as though there wasnt any ie raise it from where it was not from where it is after mistakes I can only assume that my XXXX scores are where they are because of XXXX reporting it still remains open even though its been paid off please resolve these issues so I can continue forward as you can see in the attachments XXXX has corrected the {$170.00} and no open auto accounts yet XXXX has not due to reporting from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. 
This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions. 

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

On XXXX XXXX a note in the amount {$80000.00} for a personal loan through SunTrust bank was due in full. The original loan was taken out by myself and my x-husband over 10 years ago. In XXXX we filed for divorce and the judge in our case assigned the entire debt of the loan to my x-husband. For the past 4 years I have desperately tried to get SunTrust to assist me in taking my name off the loan. SunTrust told me that only my x-husband could take my name off the loan. SunTrust then refused to help me in this matter even after I filed my first complaint with the CFPB a few months ago. SunTrust told me to wait until the note was due and see if my x-husband would pay it off or not. So here I am trying again to get the bank to tell me what happened exactly with the note and they have refused to tell me specific information that I need to know in order to determine what plan of action I need to take. I have no way of receiving any mail from the bank because it goes directly to my x-husband. He refuses to share any information from the bank about our loan to me. On XXXX XXXX I called SunTrust bank and explained my situation on how I have been denied information for a loan that my name is attached to. A bank representative gave me the name of the individual that had been assigned to our case. I was then told that the note WAS NOT paid off only a payment of {$1400.00} was made on XXXX XXXX. So since that date I have called this individual 4 times and left detailed messages on why Im calling and asked him to call me. I have NEVER received a return call and it has been well over a month. So on XX/XX/XXXX I called this representative one more time to then have a recording tell me his voicemail box was full and would be unable to leave a message. I was irate at this point and called SunTrust again for help with getting this man to call me!!!! I even began to doubt that this person even worked for SunTrust bank. The bank told me he was still employed by them and they sent him a direct emailed asking him to contact me as soon as possible. The bank told me if he didnt get back with me to call them back. This is absolutely ridiculous and unprofessional in every way. I do not know what else to do in order to get help with this matter, so Im filing this complaint in order to see if the CFPB can contact SunTrust for some answers in my case. Please feel free to contact me at any point and I can provide the exact name of the individual at the bank that has refused to assist me. 
Respectfully Yours, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 XXXX XXXX acquired my mortgage from XXXX XXXX XXXX. Shortly after that, the 13 years of mortgage payments disappeared from my credit report affecting my score by about 100 points. I contacted XXXX about this issue around mid XXXX. The customer service person stated they had 60 days by law to not charge late fees, report to credit and they did their reporting on the XXXX of every month. XX/XX/XXXX comes and goes and still no reporting. I called them again to inquire in late XXXX, the customer service rep had no explanation, and said I should check back XX/XX/XXXX. Still no reporting to my report
Product: Credit card or prepaid card

My husband opened this Discover credit account using my information without my consent.He has done this with 3 separate XXXX accounts and a XXXX 's account and is currently under investigation by the US Fraud Department. I do not deny that I knew this account existed. However, I was told that I was an authorized user on my husband 's Discover account when given the cards in XXXX. The card was managed and paid by my husband since XXXX until XXXX of XXXX when we separated and he stopped making the payments, stating that the above named accounts were in my name and would not affect his credit if the payments were not made. I made 3 payments so it would not affect my credit and realized I had rights to dispute this account so I started that process by disputing this account several times as fraud and identity theft. Discover has only provided vague letters stating their investigation was complete and the debt was mine. They would rebill the account to me. I was advised to take further action and file an FTC report and police report which I did. I also made requests for information relating to my account under the Fair Credit Reporting Act several times and this information has not been provided to verify the debt that Discover is deeming as my responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have access to my credit report after I disputed some things on my previous report and its says unable to process the request
Product: Debt collection

I received a copy of XXXX credit report recently and it shows that MIDLAND CREDIT MANAGEMENT INC has pulled my report on XXXX/XXXX/2015 without my permission. I had no business relationship with them nor they are my creditor. I believe they have violated my privacy and FCRA.
Product: Credit card or prepaid card

I have been trying to get the closed accounts off of my credit report because its causing my credit to stay low and I demand for all of the closed accounts to be off of my credit report.
Product: Debt collection

To whom it may concern concern. 
I have been disputing a debt in the amount of {$560.00} that was never mine with a company called " SPRING OAKS CAPITAL LLC. '' Original creditor was " XXXX XXXX XXXX, '' which before they first contacted me I had never heard of. 
I have only ever received one phone call from them, and I have been asking for a verification letter, hard copy signature, and / or proof that it is my debt since XX/XX/XXXX. 
I resubmitted a dispute again on XX/XX/XXXX. I have not received one phone call or letter since that time. 
I have given them 60 days, which is 30 days longer than allowed by law.
Product: Credit reporting or other personal consumer reports

Attached is my 1099C Forms Copy B received from the named corporations below showing proof that the alleged debts are discharged as follows : XXXX, XXXX XXXX, and XXXX XXXX accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act i have several accounts that have violated my rights. *15 USC 1681 602a states i have the right to privacy and *15 USC 1681 section 604a section 2 also states a consumer reporting agency can NOT furnish a account without my written instruction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

This inquiry is regarding credit card interests as it pertains to citibanks consent order XXXX XXXX. I would like to have my shell credit card account reviewed pursuant to this order. I have called Citibank and Shell,  and my phone call was passed on from representative to representative. 

As a potential affected consumer and pursuant to Consent Order, File No. XXXX, please review this account for the following time period XX/XX/XXXX- XX/XX/XXXX and beyond as appropriate. Shell account ending in XXXX.
Product: Bank account or service

I have an account with US Bank and my husband and I have been with this bank since XX/XX/XXXX. We recently got married XX/XX/XXXX and ever since then my account issues started. I got a new debit card with my new name on it and they wont allow me to go over {$500.00} when our rent is well over {$1000.00}. I have to now write a check through online bill pay in which they sent out but then returned it because I did n't have {$25.00} in our account. After taking my entire lunch to straighten it out the rep said it was the banks fault and took the return check fee off our account. I was so upset and advised her of this and she said she does n't get why I am upset they did me a favor!!!!??? Keep in mind my rental office wont allow me to send in checks now that this has happen. The rep told me we can do overdraft protect for just online bill pay and checks so our bills can be paid and put a " No '' for overdraft for our debit cards I agreed. Well today XX/XX/XXXX I get another return check for my husbands student loan payment because our account was {$46.00} negative. I speak to a XXXX and he tells me its at the banks discretion which was never told me by the previous rep. You would think since we have been with this bank since XX/XX/XXXX and have multiple accounts with them they would cover {$46.00} overdrawn check. I spoke with a manager XXXX who had no compassion at all and told me they sent me a letter telling me the details of this which we never received. I am fed up with this bank and will be closing our account ASAP!
Product: Debt collection

I wrote a certified letter on XX/XX/year> notifying this company that I was a victim of identity theft and to provide proof of this debt belonging to me or remove it immediately. The company sent the same letter back to me that I sent them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am writing to dispute the following information in my credit file. The items Im disputing are : 1 ) XXXX XXXX 2 ) XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/2014 3 ) XXXX XXXX. These delinquent account records are inaccurate because I did not miss payments. I am requesting that the accounts be corrected to show that it has always been current, with no record of being delinquent. Please investigate this matter and correct the disputed items as soon as possible. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN THIS FRAUD I HAVENT CHECK MY CREDIT IN A COUPLE YEARS I TRIED TO BY A HOME AN I WAS DINED. MY LICENSE WAS SUSPENDED BECAUSE SOMEONE HAD A CAR IN MY NAME AND OPEN UP CREDIT CARDS IN MY NAME. I CHECK MY CREDIT AND I SEE ALL THESE CREDIT CARD ACCOUNT ON MY CREDIT THIS FRAUD I DID NOT OPEN THESE ACCOUNT.
Product: Credit card or prepaid card

In the month of XXXX I had made a call to Walmart Customer Service asking for my statements to be mailed to me spanning XX/XX/XXXX to current time. They verified my address and told me they would send the statements. I did not receive them. I attempted to use my store card in the month of XXXX for a drink purchase. The card was denied use due to a " late payment ''. I again called Walmart Customer Service. I verified with them that I have made a payment of {$38.00} which was the last known amount prior to the missing statements. I again asked for my statements to be mailed to me spanning XX/XX/XXXX to current time. They verified my address and told me they would send the statements. I did not receive them. On XXXX XXXX, I was made aware of an identity theft incident by XXXX XXXX XXXX. On XX/XX/XXXX I had made a 3rd phone call to Walmart Customer Service asking for my statements to be mailed to me spanning XXXX XXXX to XXXX XXXX so I can identify if any fraudulent activity occured on my account. Again they verified my address and said they would send them. To this date I have not received my statements. I have tried to work with Walmart to obtain my statements, verify that no fraudulent activity and make the payments. Walmart has refused to send me my statements and now has sent late payment reports to the credit bureaus XXXX  and XXXX which is damaging my credit standing when applying for loans/credit lines.
Product: Checking or savings account

I opened a checking account ( account number : XXXX ) with {$500.00} promotion bous in XXXX and met all of the requirements. However, I haven't received the bonus yet. I was trying to contace the customer service but they never responded to me. Could you please help me check this issue? Thanks~ Details of this promotion : Truist is offering a bonus of {$500.00} when you open a new checking account and complete the following requirements : Use promo code XXXX Complete two qualifying Direct Deposits totaling {$1000.00} or more within 90 days of account opening
Product: Checking or savings account

I just wan na close the account and mail out my remaining funds and there not helping me
Product: Credit reporting, credit repair services, or other personal consumer reports

AS I WENT TO MY TAX PROFESSIONAL TO GET MY TAXES FILLED, MY CONSULTANT TOLD ME THAT I WAS NOT ABLE TO FILE MY TAXES DUE TO SOMEONE USING MY IDENTITY. AS I AM TRYINGB TO GET THAT TAKEN CAR OF, I DECIDED TO GET MY CREDIT REPORT PULLED. WHEN I GOT MY CREDIT REPORT THERE WAS AN UNKNOWN ACCOUNT THAT I HAVE NEVER APPLIED FOR IN MY LIFE. PLEASE REMOVE THESE OFF MY CREDIT AS SOON AS POSSIBLE.