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

Hello, I recently opened a checking account with Citibank and set my first paycheck from my new job there. A day after receiving my direct deposit, my debit card was strangely locked and I could not access my account online on the website or app. 

After calling many times, I was told to register my online access again with a new username. Then after I did this, the whole account was inaccessible in the morning. I called many times and was told that a reference number will be sent to my address and I have to call back. They told me my phone number is not under my name which is untrue. 

This is my only money at this time and I am preparing to move. This is very inconvenient and ridiculous. 

Please either fix this issue or please provide me access to my money. 

My name is XXXX XXXX XXXX and my account number is XXXX. 

Thank you,
Product: Checking or savings account

I was reporting an ID Theft related incident where someone was trying to open a XXXX  Checking account Online with my information that was fraudulent on XX/XX/22. I immediately proceeded to call the XXXX general number on this matter, spoke with a representaitve named XXXX after waiting 1.5 hours.on the phone. I was requesting a case / reference number for my records and she transferred me to a voicemail system which did not provide that detail. 

Later in the day I had to call at least 3 more times trying to obtain the case / reference number and spent an additional 3 hours frustratingly being placed on hold and not being assisted. The last call which was over 2 1/2 hours I was with another representative who transferred to Fraud agent- XXXX who was not of much help, did not appear to be able to understand the notes on my file, said initially he didnt find anything on my profile, then found some notations and after 45 mins gave me 2 reference numbers. However, he stated that I still had to open a claim with an additional department and did not know if what I had reported was enough for the Bank. At this point being more frustrated I requested for a manager, waited an additional 30 mins, and was then told that the supervisor advised via a chat message that I needed to open a separate claim and provided an additional phone number which I called and hung up after 45 mins more of waiting. 

This prompted to go to their local branch the next morning to follow-up on this matter with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX to file a complaint at the branch, and submit my complaint to you. While at the branch I was then transferred to speak with XXXX XXXX XXXX XXXX. and was subsequently told after an hour and a half that I had to call the Detection Fraud unit to further discuss my situation/ details on Monday since their office is closed on weekends. 

This is completely ridiculous, unacceptable and overburdensome for an individual to deal with. On top of that I happen to be a XXXX XXXX XXXX XXXX XXXX XXXX of over 30 years to see such a lack of assistance and competence on behalf of Bank of America which is why I have filed this formal complaint.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the right to privacy. Under 15 U.S.C. 1681 section 604A section 2, it also states that a Consumer Reporting Agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Please update these accounts per section 15 U.S.C. 1666b XXXX XXXX : Account Number XXXX XXXX : Account Number : XXXX XXXX : Account Number XXXX
Product: Money transfer, virtual currency, or money service

i have had a coinbase account for about a year+ never had any problems using their services. recently around XX/XX/XXXX i tried withdrawing my money XXXX $ and till this day i can not because they have placed my account under review for no reason. i have tried contacting and submitting multiple ticket complaints but their customer service has not replied or fixed my problem. my money is inaccessible and im furious because i need that money to survive during this pandemic.
Product: Credit card

Signed up to open a checking account and saving account at BBVA Compass. I was signed up for a credit card as well, even when I specifically told them I did not want it. Now when I cancel it, it will effect my credit score. They sold me unsolicited merchandise against my direct and clearly stated request.
Product: Credit reporting, credit repair services, or other personal consumer reports

No proper investigation. Tender of payment was received in the amount of XXXX Proof of tender sent 3 times. 
In accordance to FCRA XXXX  acct # XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. section 602 A states I have the right to privacy 15 U.S.C. 1681 section 604A section 2. It also states a consumer reporting agency can not furnish account information without my written instructions.
Product: Checking or savings account

BMO just took over my old Bank of the West checking & savings accts. I have had for 6 years. Of course, we, as long time customers, had no choice in where our accts. were transferred to.

1 ) I am unable to sign up to online banking through the website. I was on hold with BMO for an hour and when I was finally put through to a CSR he was of absolutely no help.

2 ) Today I went back to the phone online app. that I was able to download ( as that was the only other option I had to access my accounts ). I had major problems changing my password and then logging back in. After 1 hour I straightened that out only for my accounts to be " hidden '' on the app. I followed the directions to change preferences to show my accts and it just keeps directing me back to preferences so I still can not see my accounts. Again, I call CSR and again I am given no solution. These BMO csr 's have no idea what they are doing, I can not even understand what they are saying as of course they are foreign so the huge rich banks can save money and sacrifice any sort of professional assistance for their long time customers. I requested a supervisor and the CSR would not put me through. I went online trying to find a corporate contact number, email, anything and there is no support option except for the number I have repeatedly called for assistance, with no help.

I need help getting access to my accounts!
Product: Credit card

I opened two accounts with Fortiva Credit, a conventional credit card and a XXXX XXXX XXXX XXXX in XX/XX/XXXX. This complaint pertains only to the Fortiva XXXX Card. I used the card regularly, paid interest charges for many months and never exceeded the {$500.00} credit limit. My account was always in good standing. In XXXX of XXXX, Fortiva began charging me a XXXX XXXX XXXX fee and also imposed a {$29.00} annual renewal fee. I made several attemps via phone and chat ( dialogue of the transmissions I have copies if needed ) to ask for them to be credited. Initially, they did credit both fees after I asked to close my account. I thought that was the end of it. Instead, they continued charging me a XXXX XXXX XXXX  " service fee ''. In essence, they are charging me $ XXXX. when my balance is XXXX, have made no purchases during the billing cycle. 
This was a change of terms as I understood them originally as I had never paid this fee. Apparently, imbedded in the fine print, although I did not receive a copy upon request of this provision, there is a $ XXXX. service fee AFTER the 1st year. After failing to notice this fee as a result of not using the card/reviewing my statement, I asked for this to be credited via online chat. The agent denied my request. As a result, I permanently closed both accounts accounts ( XXXX XXXX and XXXX XXXX ) without allowing them to convince me to keep it open. I paid for the purchases I made prior to closing the account. However, there are " monthly service fees '' remaining and now a late fee has been imposed. I owe them nothing. I do not want this to affect my credit score as a result of unpaid ( unauthorized ) service fees. This is really corrupt. Reminds me of XXXX XXXX and the payday loan scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

With both XXXX  and Equifax, I am unable to get the credit bureaus to report corrected information, even after providing them with updated information related to an account. 

The account in question is either XXXX/XXXX  or XXXX/XXXX, which is a child support debt. The account number is XXXX. 

Equifax is reporting both XXXX/XXXX with a {$610.00} balance and XXXX/XXXX with a {$610.00} balance. This is the same account being reported twice, and the balance on the account is {$0.00}. 

XXXX  is reporting XXXX/XXXX with a {$230.00} balance. This account has a {$0.00} balance. 

This debt is paid in full. The amount owed is {$0.00}. My children are over XXXX now, so there will no longer be XXXX XXXX. So, this account is now closed. 
I have attached an updated ledger from the Washington State Department of XXXX XXXX to support my position. On page one of the report, it shows a XXXX balance.
Product: Mortgage

I informed them that my online payment was made on their webpage with the routing and account number information requested when I set up for online payments. My sign in to their webpage shows the information on my loan so there should be no question about where the payment should be applied. My checking account shows the amount paid and I received an email that the payment was received. One month later I got an email telling me that the payment was overdue. 
When I called the individual I talked to told me that it was the banks error for not designating what the payment was for but if I would hold for 3 minutes he could easily fix the problem. 
So the money was out of my account and in their hands for one billing period. I dont that much about the law or accounting but it seems to me that this practice would accumulate a considerable amount of money for short periods. Is it some kind of float scheme? The other thing is that I was not able to make interest on the money and I missed the opportunity to shorten my mortgage term by prepaying the interest on the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I taking an interest in my 3 major credit reports I found something rather odd. I went on the Experian site today XX/XX/XXXX and found that I have 20 inquiries! 20 really? 

I was not aloud to dispute any of them and was not able to get through to them because something was wrong with their phone system. Perhaps others having the same issue as me. 

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX  XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Department And Variety Stores - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY XXXX  XXXX  XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Sales Financing Company XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX This is insane!!! 20 inquiries? Where did they all come from. Something is wrong! 20 over the last two years? None of the other 2 have 20!!! And I don't even recognize some of these companies!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 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 do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX CARD SER XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting

On XXXX, 2016 I received a letter from XXXX XXXX XXXX in response to my letter sent on XXXX XXXX, 2016 in which they claim to have received the letter on XXXX XXXX, 2016, which happens to be 17 days from the date sent, claiming to have validated my alleged debt with them. The date on the letter they mailed me stated XXXX XXXX, 2016. This company has violated the law in regards to a response within 30 days total from the date received. The account has already been deleted from my XXXX credit report for failure to respond in a timely manner. It is not my responsibility nor problem that they cant pick up their mail or respond within the legal timeframe of 30 days.
Product: Debt collection

Summit Receivables first attempt to collect a debt was with a phone call to me at work. They never called me before or left a message on my personal phone. They left a message with a clerk who could not understand the person. When I called them and asked them why they called me, they told me they are trying to collect a debt. Summit Receivables is trying to collect a debt, yet they hung the phone up on my four times. When I told them to stop calling me at work, they hung the phone up on me.
Product: Credit card

Onemain does not include a clear mail policy in the Credit Card User Agreement. They produce invoices which do not allow you to use that particular invoice to submit a payment. I mailed in a credit card payment on XX/XX/year> and it was received by their mailroom ( XXXX XXXX XXXX XXXX MA XXXX ) on XX/XX/year>. The Certified Mail tracking number is XXXX XXXX XXXX XXXX XXXX XXXX, which confirms the payment was indeed received by a person at this address on XX/XX/year>. 

Onemain charges late fees but they discriminate by not allowing printable statments that can be used by mail so people who pay with money orders using certified mail can be discouraged from sending payments. Yet, they allow payments by mail but the policy is so arbitrary and not clear.
Product: Credit reporting

I have written and contacted Transunion so many times, and their most recent shenanigans involves them not removing items from my credit report, even after the collection agencies have notified them to remove such items. There are accounts in collections that the companies have stated should be removed but the credit reporting company is neglecting the requests. I am asking that the items be removed today! and an apology letter to follow.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Late Dates : XX/XX/XXXX Balance : {$6.00} and XXXX XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX Late Dates XX/XX/XXXX Balance : {$0.00}.
Product: Student loan

Had a remaining total balance of {$3800.00} with American Education Services ( AES ). I scheduled a payment for the balance in full onXX/XX/XXXX. On XX/XX/XXXX, the payment posted but AES erroneously added {$6.00} of additional interest that was applied upon receipt of the payment. <P/>When I requested that the new interest charges be removed, the company rep refused and would only process another payment which will take 30 days to reflect on my account. In fact, I had to make the request 3 times. Instead she just kept asking me to authorize another transaction. The representative then stated that there are two balances : a balance owed and " pay off '' balance. How is that legal? By definition, there is only one " balance ''. <P/>Inevitably, I had to authorize the payment in order to close the account. <P/>Either their website is not giving accurate account balances, or AES is arbitrarily charging consumers additional interest/fees when balances are paid in full. I feel AES is probably using their lengthy processing times to justify additional charges.
Product: Debt collection

They call my phone at least six times a day from multiple phone numbers. I block these numbers all the time but I am being harassed. I lose sleep and at times it distracts me from my job how frequently they call. I am thinking about taking legal action so I can have peace.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Yes Im having trouble with the XXXX major credit bureaus. you guys are not conducting reasonable investigations on Fraud Accounts. 
XXXX XXXX XXXX XXXX XXXXXXXX Does not belong to me.
Product: Checking or savings account

On XX/XX/XXXX I applied for an apartment rental, completed the rental application, and later on signed a lease agreement for. After speaking with the agent on the phone who answered several questions and driving to see the exterior of the apartment, I was requested to send payment for the property to secure it from XXXX potential other applicants. I sent the security deposit payment for {$800.00} using XXXX under my BMO banking app, and {$800.00} for the first month rent using XXXX. Leasing agent told me I couldnt move into the home until the current tenants moved out on XX/XX/XXXX. I received a processed invoice for my payments and the morning of XX/XX/XXXX when the tenants were supposed to be moved out, the scammer ( leasing agent XXXX XXXX ) stopped responding and deactivated the phone number I was communicating to. 

I filed a police report ( case # XXXX ) with the city of XXXX and reported the fraudulent transaction to my bank BMO. I was told by my bank ( BMO ) they understand the incident and the XXXX transaction for {$800.00} would be returned to my checking account within 2 weeks as preliminary funds while they did an investigation about the fraud. This BMO bank located XXXX XXXX XXXX XXXX, XXXX XXXX CO, XXXX assured me there would be no issues and said that they have seen similar fraudulent XXXX transactions and helped those customers so I shouldnt worry. 

On XX/XX/XXXX, a couple days after the 2 weeks, I had not received any funds and contacted BMO. They described to me that I was denied and no funds would be refunded because the investigation was determined as not fraudulent. This is obviously not the case. I was manipulated and scammed. I hope that you can take my situation into consideration and progress action since my bank institution has shown a loyal customer unwillingness to help. 

***Additionally, I filed a claim with XXXX for the additional {$800.00} lease payment and upon providing the police report, XXXX refunded my transaction. XXXX investigation determined the transaction was fraudulent.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act Account # XXXX XXXX XXXXXXXX XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a acount without my written instructions.
Product: Mortgage

I was making monthly payments, Mr. Cooper Morgate company claimed I missed two payments and it disappeared off the website then demanded I make two additional payments for two months otherwise they would foreclose me and then when I tried to pay the second month they said the website was down and the phone was down because it was hacked and when I tried to make a payment they sent me to collections
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 XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # 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 a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes In regards to the INNACURATE items on my credit report. It has been well over 30 days, and I haven't received any investigation results.
Product: Credit reporting or other personal consumer reports

I am writing to address a formal grievance and urgently request swift action on your part regarding improper reporting to the major credit bureaus, which has resulted in significant damage to my credit profile. Your actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), and the consequences of this non-compliance may include fines and damages.