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

I had filed a previous complaint against Citibank ( XXXX ) back in XXXX, XXXX. 

My complaint was that back in XXXX, Citibank claimed I committed fraud by receiving SBA grant into a personal account. Per their response to my complaint in XXXX, they were going to return the funds back to the SBA. Moreover, some of those were my paychecks paid into that account. 

A year and a half later, XX/XX/XXXX, I reached out to SBA again to enquire about the re-disbursement of my funds {$7300.00} that Citibank returned back in XXXX and was informed that Citibank never returned any funds to them. It turns out that from XX/XX/XXXX to XX/XX/XXXX, Citibank kept my funds. 

On XX/XX/XXXX, I reached out to Citibanks XXXX XXXX XXXX via email and phone. The representative on the phone said someone would contact me. He then called back in a couple of minutes and said his manager said I needed to email them a signed letter giving them permission to return the funds to the SBA. I did and have a copy. 

This option was never made available to me back in XXXX. My account was frozen for 3 months and then closed. I called customer service multiple times and spoke to people in XXXX who kept telling me that there was no one I could speak with and that the back office was handling the situation. 

I faxed over some of my contracts as an Independent Contractor on my own accord, but no one from the Fraud Department ever reached out to me to request more/ other/ or correct documents. I was just notified that my savings and checking accounts were closed. 

My concern is that, Citibank thought I acquired the funds fraudulently and decided to keep it. 
It makes no sense that a bank would require my permission to return funds that they claim was ill gotten. When a fraudulent check is deposited into an account, the bank will return it without the customers consent. I think Citibank was trying to do damage control because they kept the funds. Why will you need my consent to return grants that you claim didnt belong to me. 

As an independent XXXX, I really didnt understand how the process worked. I did contracts using my social security number. I applied to the SBA using by social security number and got approved after my tax documents were verified. I didnt claim to own a business and therefore didnt have a business account. I thought it was okay to receive my funds in my personal account. 

Now SBA is saying they are no longer processing these grants. Citibank owes me that {$7300.00}. Had they returned it back in XXXX, I would have gotten it back from the SBA. 

Why wasnt my accounts closed when I received the PPP EIDL loan? I also applied as an Independent XXXX and not a business. Got approved twice and the funds were deposited in personal Citibank savings account. That was 6 months before I received that grant that made you close my account. So its okay to receive SBA funds in personal savings, but not checking?
Product: Debt collection

I am writing to file a formal complaint against XXXX regarding the illegal reporting of a charge-off, which is considered a certificate of indebtedness and therefore income under IRS Publication 4681. This erroneous reporting violates federal regulations, including the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974, causing significant financial and emotional distress. The charge-off, considered as income per IRS Publication 4681, should not be included in consumer reports, as explicitly mandated by federal regulations. However, XXXX has inaccurately reported this income, breaching the FCRA and IRS guidelines. This misleading reporting not only misrepresents my financial standing but also infringes upon federal regulations designed to ensure accurate and fair reporting to consumers. Despite my attempts to rectify this issue directly with XXXX by disputing the inaccurate information on my consumer report, the erroneous reporting persists. This continued misreporting has substantially hindered my ability to access credit and financial opportunities. Furthermore, XXXX 's actions violate several federal statutes, including : 1. Violation of FCRA Sections 1681 ( a ) and 1681 ( b ) : XXXX 's illegal reporting of inaccurate information without my explicit consent contradicts the FCRA, impairing the efficiency of the banking system and undermining public confidence essential to its functioning. 2. Violation of FCRA Section 6802 : XXXX reported information without my consent, breaching my opt-out rights and failing to disclose clearly and conspicuously that such information could be disclosed to third parties. This continuous inaccurate reporting has resulted in substantial financial damages and emotional stress. Moreover, it directly contravenes federal laws aimed at protecting consumer privacy and ensuring fair and accurate credit reporting. I respectfully request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against XXXX for their egregious violations of federal statutes. Additionally, I seek immediate rectification of the inaccurately reported information on my consumer report to mitigate the ongoing financial and emotional distress caused by their actions. Enclosed are supporting documents detailing the inaccurate reporting and relevant federal statutes for your review and consideration. Thank you for your attention to this matter. I eagerly await your prompt response and resolution and demand under CFRA 605 ( b ) that this be removed within ( 4 ) days of delivery.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information dated XX/XX/XXXX, was never included in the investigation from the time frame and the inaccurate dates of XX/XX/XXXX, all monies owed paid in full and were not apart. I feel the investigation was a violation of the fair debt collection practices act section 623 b. This relates to all three credit bureaus. XXXX, XXXX, Transunion.
Product: Debt collection

I have contacted both Seventh Avenue and XXXX XXXX XXXX, regarding a negative report that these XXXX companies have placed on my credit report file with the XXXX credit bureaus. I have asked both agencies to provide me valid proof baring my signature that the account reported was mine. However, they have failed to provide me valid proof baring my signature as required by the FDCRA. They also broke the federal law, by not report that I was disputing the account that they reported to all XXXX credit bureaus as required by the FDCRA. My first dispute was in XX/XX/2016, which XXXX agencies signed for a letter from me XX/XX/2016 that was sent certified/return receipt by the USPS.
Product: Credit reporting or other personal consumer reports

In XXXX I purchased a minivan from a dealership in XXXX XXXX, Michigan that got me financed through Orbit leasing. 

Less than 2 months after purchasing the vehicle the transmission went out and I voluntarily surrendered the vehicle because I couldnt afford the $ XXXX monthly payment and a {$7000.00} transmission. 

The debt is listed on my credit report as voluntary surrendered. 

The problem is Orbit leasing is re-aging the debt on my credit report to keep the debt on there. 

It should have come off on its own but hasnt and I would like this debt removed. 

They have changed the date from XXXX, to XXXX, then XXXX and now if Im not mistaken it reads XXXX.
Product: Debt collection

The agency ( J & L Teamworks in XXXX, CA ) I feel is practicing unfair practices in regards to collecting payment. They allow me to send in a check to pay amount due for free, but they charge me a " processing fee '' in the amount of {$12.00} dollars if I wanted to use my debit card, or {$3.00} to use a check over the phone, each time I pay. I just recently got married and so I have a new account meaning if I wanted to not be charged then I would have to order a whole new box of checks specifically for J & L. I do not usually use checks so I should not have to order them for the XXXX agency. J & L mentioned that I could write in my card information on the monthly statement, however they will not provide space to write it in. I am only able to pay {$25.00} a month, so the " processing fee '' is about half of what I pay each month. Your website mentioned that they are not allowed to charge interest ( which they are at 10 % annually ), nor are they allowed to charge any other fees unless specified in via a contract. I called to request a copy of a contract in writing, the agency however refused to supply one. I thought this was very odd, as well as unfair. If they continue to charge the {$12.00} dollar fee than I will be paying almost double of what I owe. This is ridiculous as my debit card is the most convienent way for my to pay. If I were using a credit card, then I would understand the fee, as credit card companies often charge surplus fees to the companes, but debit cards however are free, so they are making much more profit at my expense. I owe roughly XXXX dollars on the account, if I pay XXXX dollars a month, it should take 28 months to pay off. I If I were to let let them charge my {$12.00} per payment that would cost me an extra XXXX dollars putting my balance a little over a thousand dollars. That in turn would take me 45 months to pay off. That is an extra 14 months, that is an extra year, soley because of the ridiculous fees.
Product: Mortgage

Company has refused to give us information on their policy regarding these issues below : 1. I have done extensive work on our home and need to have it reappraised ( WE ARE REQUESTING AN APPRAISAL BE REDONE AS THE VALUE HAS INCREASED GREATLY ). 
2. I was told from beginning of loan that we are responsible for the Hazard Insurance and condo fees paid .I have paid it in full effect from XX/XX/XXXX to XX/XX/XXXX. We have called our Insurer and have been told that we can not make a payment until XX/XX/XXXX due to rates not having been sent or bills will not be sent out until then ( AT WHICH TIME WE WILL ONCE AGAIN MAKE FULL PAYMENT FOR A YEAR AGAIN XXXX ). THEREFORE THIS CANN0T BE INCLUDED IN THE OVERAGE THEY CLAIM ON THE ESCROW ACCOUNT DUE TO THEIR ERRORS IN CALCULATIONS AND MISAPPROPIATING FUNDS. 
3. Request for Federal law to be followed regarding forbearance for three months to not affect my credit and to be put the4 back end of loan not to be due within 3 months after the forbearance period ends per Covid-19 pandemic. 

I am disputing the so called Shortage and wondering where the funds collected at closing went and the HO-6 fee of {$310.00} paid in full for XXXX year not due until XX/XX/XXXX but will be paid upon issue of bill from company to be sent out XX/XX/XXXX to be paid in full once it is issued. MOST IMPORTANTLY THEIR IS A NEED FOR HOME TO BE REAPPRAISED AS SOON AS POSSIBLE TRIED TO HAVE THIS DONE PREVIOUSLY TOLD mASS HOUSING DID NOT PERMIT IT CALLED mASS HOUSING AND THEY STATED THEY HAVE NOTHING TO DO WITH THIS AND WOULD NEVER TRY TO BLOCK ONE FROM GETTING AN APPRAISED TO UP THE VALUE OF THEIR HOME ONCE WORK HAS BEEN DONE.
Product: Vehicle loan or lease

We had a late payment, due on XXXX paid on XXXX, so we got a {$50.00} fee, thats fine my mistake. I paid the over due payment & my next payment that was paid early had a {$50.00} Late Payment Fee? So 2 {$50.00} fees for 1 missed payment?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Transunion they received XX/XX/2022 and have not received the results. I did receive a letter states give them until XX/XX/2022 to resolve the issue. This is pass the 30 days for file # XXXX, and also file # XXXX
Product: Mortgage

We received a direct marketing advertisement for refinancing our existing home mortgage to their company and estimated savings of {$1800.00} with the small print signifying that taxes and insurance are not included in the payment estimation. Im educated enough to know that more than that amount of my monthly mortgage payment is associated with taxes and insurance, but worry that the average consumer is not as knowledgeable.
Product: Credit card

my XXXX credit card account was transferred to Citi without my permission or knowledge. My american express was on quto pay for many years. Since I was not inforrmed by Citi that my balance was transferred to them and I never received a bill or statement from citi my payment was late and citi sent a late payment to my credit report. Meanwhile my autopay to XXXX was made. When I found out about this 6 days after my payment was due to citi I called them and they said there is no grace period and I was out of luck, my credit report will show the late payment. I thought there was a 60 day grace period when credit accounts were transferred from one creditor to another but citi said no. I would like citi to remove the late payment fee and to remove the late payment from my credit report. the payment was made in full right away on the phone when i called citi and found out about this problem
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00}
Product: Credit card

I am writing to inform you that a credit card account was opened in my name from USBank on XX/XX/2015 without my consent. I recently became aware of this fraudulent activity and am taking immediate steps to address the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX ( XXXX ) sought to collect on loans and have created false information in my credit files as to a charge off in XXXX. 

The Superior Court of XXXX dismissed all of thier claims in XX/XX/XXXX. 

I have disputed entries on my credit report where the court dismissed thier actions.
Product: Debt collection

He does identify himself. However, he uses misleading language by saying the person is XXXX  and needs to be contacted immediately. Leaving a message to my family members is a harassing call of a scare.

On my phone, he is using the language of, I brought something and I need to contact them immediately for verification.

Again this is misleading language and it is against the law.

I have the voicemails for both
Product: Checking or savings account

For the past 24 Months Chase has been charging me for overdraft fees although I'm not enrolled in their overdraft protection service plan. I had no idea that this was occurring until I looked at previous bank statements, but I was aware of the recent transactions. The two most recent were on XX/XX/XXXX and XX/XX/XXXX when both times my account was already over drawn by more than the {$50.00} ( $ XXXX on the XXXX ) or less overdrawn by the end of the day policy where the fee will not be charged. From XX/XX/XXXX-XX/XX/XXXXChase has charged me {$610.00} in overdraft fees. This was done without me enrolling in the overdraft protection plan as well as against their overdraft service for overdrawn accounts by {$50.00} or less. I've reached out to the customer service representatives about this issue to either have my concerns unanswered or simply stating that the fees will not be reversed. Since this is a service that I never agreed to nor was the overdraft of accounts overdrawn by {$50.00} or less dollars followed, I want all fees that were unlawfully charged and taken from my account returned immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an item on my credit report from Commenity Bank/XXXX. I have never opened account with comenity bank. I continue to dispute this item with the credit bureaus and the furnisher, but Commenity Bank continues to verify this information as accurate. In addition, each month Comenity Bank reports me late. How can they report me late when I do not have an account with them or owe them payments. 

I need this item removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Payment History Changed 93 % 100 % On-time payment percentage as of XX/XX/2018 On-time payment percentage as of XX/XX/2018 Nice! It looks like your payment history was updated or corrected. The more on-time payments you have, the better. 

The XX/XX/2018 payment status for your XXXX XXXX XXXX XXXX automotive account was updated from " 30 days late '' to " current ''. 




This is what my report read recently, yet recently the late payment was re-inserted and I was not notified within 5 days and in writing which is F.C.R.A. law I want it removed, and not re-inserted again ... as I have provided proof, a letter from XXXX XXXX, and was told that you need to update your records ... and refrain from using XXXX outdated verification and refrain from stating that they verified when they did not ...
Product: Money transfer, virtual currency, or money service

I attempted to withdraw a bit over {$40000.00} from Gemini via wire transfer on XX/XX/XXXX with the expectation that my money would be available immediately or at least within 1 business day. By XX/XX/XXXX it was clear something was wrong as the transfer was showing as " complete '' on the Gemini website but no funds were transferred to my bank account. When I attempted to contact Gemini customer service they stated merely that my transfer was complete and provided no further information. I requested more information including when I might expect to receive the funds, information about the wire transfer such as the federal wire transfer reference number, and received no reply from Gemini customer support. They have no phone number or real time customer service and have not given me any indication for how long I should expect this to take.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX XXXX XXXX Agent due to an Inaccurate report based on LAW 15 US CODE 1681i ( a ) ( 6 ) ( B ) ( iii ) 15 US CODE 1681 ( 4 ) they have violated so many of my rights. Experian denied to follow up with the investigation. I was recently notified that CFPB has filed a lawsuit against the company Experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. Im requesting this derogatory remark be removed or corrected immediately as it is affecting my chances of getting a new home, or purchasing a car. Experian violates my rights as a consumer, as well as federal laws.
Product: Checking or savings account

Account was closed on XX/XX/year> and I have yet to receive check for remaining balance over XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX, XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 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.
Product: Money transfer, virtual currency, or money service

I was buying something online, I transferred money from XXXX XXXX from their spend account to Venmo to pay this person, who at the time to me there credit card machine was down and this was the only way to send payment at the time, well shortly after payment was sent the person at the company told me in order to ship I had to send a additional {$400.00} for shipping great was never disclosed, after looking into a few things I realized this was a complete scam and I called and submitted companies online at a XXXX XXXX and venmo. Even though venmo could clearly see this was a scam and this same thing had been done to others they did not refund my money or include me in any further information on how to get my money back. This company and person opens up new user names every time his account is closed due to this and they just keep allowing it. I dont understand that if I requested my money back due to this clearly being fraudulent I was told it was up to the person whether or not he returned it. I sent the companies screenshots of what information I had and any and all documentation I had or could provide.
Product: Credit reporting or other personal consumer reports

Procollect - sent certified dispute letters and request of contract no response to certified letters. {$2500.00} XXXX, XXXX XXXX XXXX XXXX same issue as above, everytime I dispute it comes back as accurate I never had a account with either company. {$810.00} all three bureaus
Product: Credit reporting or other personal consumer reports

The following inquires were due to identity theft 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there Use this reason if you have never lived at this address or received mail there. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there Use this reason if you have never lived at this address or received mail there. 
XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there Use this reason if you have never lived at this address or received mail there. 


XXXX XXXX XXXX XXXX Potentially Negative Status Collection account. {$230.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$230.00} Date Opened XX/XX/XXXX Dispute XXXX XXXX XXXX XXXX Potentially Negative Status Collection account. {$240.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$240.00} Date Opened XX/XX/XXXX Dispute
Product: Debt collection

There are significant issues with the debt collection efforts of Southern Management Systems in XXXX, FL. I received two different validation notices from the same account with two different end of validation dates, and the website on their collection notices was wrong. When I sent them a letter, along with the proof of it, what they sent me back totally disregarded those issues and only discussed the original disputed debt. Also, the CFPB has specifically advised against telling a consumer how a debt will affect their credit. In a phone call to Southern Management Systems on XXXX at approximately XXXXXXXX XXXX  XXXX XXXX, I was told that accounts of this nature typically dont just ding the credit score but, in fact, bang it.

Again, this was addressed in the letter I sent them, and they chose to ignore all of it.