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

Complaint to Citibank NA, Follow up to your letter XXXX XXXX On Citibank Letter dated XXXX XXXX, bank admit account to be fraudulent, account number XXXX And refuses to open an investigation for fraud. Since XX/XX/2022., banks continues on a denial You as the creditor for account, account number XXXX is the one who must prove account and you have not you clearly failed to turn over investigation report after 90 days period and you continue in violation and damaging my person. 

In addition I never had and dont have the above card, Neither I open the account Account Not mines. 

I hereby request to Citibank Na, to supply me immediately with a cancellation letter For account number XXXX, within XXXX business days Due to your refusal to cooperate on this serious matter and in denial unfairly treated Im referring this issue to matter to Consumer Financial Protection Bureau Office of Enforcement. 


Attacahed documents for review Citibank NA, Letter ,90 days lapsed never turn over investigation report Citibank NA, Letter admits accepts account fraudulent Citibank NA, inconsistency You have failed during the 90 days investigation to turn over documents proof For that reason send me a cancellation letter for account number XXXX, within 7 business days I will be force to communicate with XXXX XXXX, Fraud Prevention Thank you XXXX XXXX
Product: Checking or savings account

I have a checking account at TD Bank. This is in MA. Yesterday morning everything was fine. Last night I could not access the account online. It just basically acts like no account exists. I called multiple times today, and no one could tell me what was happening. There is {$1100.00} in the account and it isn't showing up online and no one can help me. I don't have access to the money and I have no idea how to get the money or what is going on, or why it was closed ( the last person I talked to said it showed as closed ). I haven't done anything wrong with the money or account and there is {$1100.00} in there they are holding from me without any update as to what is happening.
Product: Prepaid card

On XX/XX/2024 my personal items such as phone, wallet, car keys and backpack were all stolen. During that time someone used my debit card and make purchases thats wasnt authorized by me. Once I was able to cancel my cards the purchases were already made. Ive disputed the transactions twice and have been denied both times with no explanation why.
Product: Debt collection

The reporting on my credit report is incorrect. Especially the amount. Please see attached document that explains my complaint in full.
Product: Mortgage

Hello, This has been an ongoing issue with CITI Bank since XXXX XXXX. The previously filed complaint number is : XXXX I consulted an attorney -- XXXX XXXX, XXXX XXXX - XXXX ) to work on reaching a settlement with CITI back in XXXX and after at least XXXX reassignments of Agents and 18 months CITI assigned an agent to review the case. 
XXXX XXXX Homeowner Support Specialist XXXX, Extension XXXX ( use leading XXXX ). 
CitiMortgage , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX After numerous communications and providing all needed documents on XXXX XXXX, XXXX we were informed that the case has been referred to a negotiator - Attachment # XXXX. 
Later I was informed that the case had been assigned to a Law Firm on XXXX XXXX, XXXX. 
This is is an small example of frustration that I have experienced with CITI and their mortgage operation.
Product: Checking or savings account

In XX/XX/XXXX received notice our accounts checking & debt account would change to a different type of account, plus a fee would be added unless we were XXXX years old. We are in XXXX and have been customers for over 50 years. We just asked to switch to accounts that didnt charge us a {$15.00} fee each month like the ones we had. Company sent numerous letters but they keep saying g they looking into it. They called XXXX XXXX work phone that is company owed not a personal phone. He discussed it with him several times in XXXX he discussed it with them. Than on XX/XX/XXXX we get letter that they completed investigation /research on our concerns. But welcome to your new everyday check g account. With details about it and our account information. It also stated they updated checking options to better serve customers and dont offer our type anymore. They go on to say our case is closed as of date this letter XX/XX/XXXX. That they unable to reach us by phone. What was the seven calls and the one XXXX XXXX spoke to person to discuss concerns. He stated his dislike and even stated his position on the matter. They also sent a larger package before this letter of information on our new accounts and apparently were going change accounts anyway no matter our concerns. Now our online banking g account says restricted. Why would this be we have done nothing different no fees, no suspicious activity just normal deposits, auto payments and bill pay. We opened up a savings account this last week on XX/XX/XXXX at local branch for our granddaughter and nothing g said. We have made also two deposits to our accounts and. XXXX XXXX said. So they can restrict use from getting OUR money, pay BILLS or accounts we have thru them. So they do t want us to move our money, or pay on Wells Fargo accounts. How can they restrict our h Own money. When we have been long good customers. We want this issue resolved immediately as this is just needs investigated and resolved quickly as they are not listening to us and resolved our accounts changing with out giving us other options. Just made the choice for us. Never have heard of a bank restricting someone else money or access to it. We are living on those accounts and it is our money. Never had these issues until we didnt like our accounts changing to be charged fees. We did speak to someone and even explained it company phone not a personal phone. As well as we work long hours XXXX XXXX XXXX XXXX  with fill times jobs and two farms. So these posts week of opening an account at the bank could be addressed again since XXXX was at our local branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied credit due to 1 ) low level of authentication indicative of First Party Fraud and 2 ) low level of authentication indicative of ID Fraud. I have no negative information on my account and have XXXX. I called Expedian to find out what that means and they put me on hold for over 15 mins without explanation or callback option.
Product: Mortgage

PNC Mortgage, XXXX I purchased my house in XXXX XXXX, XXXX. I been having problems with my home since purchased it. In XXXX XXXX me and my spouse separated and we agreed that i was not responsible for the monthly payments nor the interest on the home. My credit score is poor because of nonpayment reports and inquiries.
Product: Checking or savings account

On XX/XX/XXXX I used the online account management to close my account and transfer the balance to another account. I have called 3 times now, been " verified '' twice once by a " supervisor '' and still my money has not been transferred and the account closed. I believe they have violated the law on the time frame to honor my request.
Product: Checking or savings account

I received a XXXX $ payment through XXXX from a tenant on XX/XX/2022 to my Truist Bank Account. ( Formerly Suntrust Bank ). 
The payment was received by the bank and shows in the online banking with a confirmation number, however, the bank failed to deposit the funds into my account. ( I am attaching to this request the screenshot of the online banking showing the payment with status completed and therefore proof that the bank received the funds and a reference number ) I have been a loyal Suntrust Customer for years and never had any issues with Suntrust Bank, but this month they merged with another bank and changed the name to Truist. 

After waiting on hold hours at a time I was finally able to get in touch with their customer service. 

They indicated that I needed to contact XXXX and when I called XXXX they told me that I needed to call the bank. So both the Bank and XXXX elude the responsability. 

Neither of them XXXX or the bank have taken responsability or given me any explanation. I demanded an investigation at the bank as to where are my funds. 

I reserve the right to go to small claims court to recover the missing funds and remedies for the time and effort this situation has caused me.
Product: Credit card or prepaid card

No one will answer me after waiting on hold for 1 1/2 days. I can not get into my account online and I am getting an email stating I need to call a number immediately if I did not ask for/change my status.
Product: Credit reporting or other personal consumer reports

I requested them to remove all inquiries from my credit report per 15 USC 1681 Permission purpose. The company said I have to report it to another agency.
Product: Checking or savings account

On XX/XX/2023 Wells Fargo contacted me regarding suspicious activity on my debit card/checking account, the representative I spoke to told me he was going to block my card from being able to be used and shortly after I checked my mobile banking app and saw a transaction for a withdrawal of {$1000.00} at an ATM in XXXX, CA. At the time of this I was at a car wash located in XXXX XXXX, Wells Fargo denied my claim although they were the ones who gave me the alert to being with. I have contacted Wells Fargo three times and it seems as if they do not care and do not want to help, I was a victim of fraud but they do not want to help
Product: Debt collection

Last year XXXX damaged a suitcase during shipment. XXXX never paid neither responded my claims. I opened a claim with my credit card company to get reimbursement from XXXX. XXXX never approved the claim of the credit card company. I gave up trying to collect payment from XXXX. Recently I started receiving debt collection notices with collection fee. A copy of the notice is attached for records.
Product: Debt collection

Resently, I received another letter in reference to an apartment complex I lived in. I went to court because the apartment complex never fixed my ac unit that was out for 3 months. I went to court for dispossessory action against me for this apartment complex and I disclosed to the judge about a clause in the lease. However, I lost because I signed a separate paper created by the apartment to give me concession for the time I did not pay for rent. If I didn't sign the document then I would have be awarded claim. Nevertheless, I moved in XX/XX/2013 because I was assaulted in the apartment complex by 7 people. The apartment was aware because the security officer seen it and came to help. Furthermore, management property that was originally over the property stated to me that because of the lynching incident that I have a right to leave. However, I been receiving tactic letter for settlement. Furthermore, I have checked my consumer report and this debt is not on there and I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to complain to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX TXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/1980, and my social security number 's last XXXX digits are XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with XXXX XXXX XXXX Section. XXXX that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/2023 to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/2023. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX {$10000.00} ; XXXX XXXX XXXXXXXX XXXX Balance {$600.00} ; XXXX XXXX XXXX XXXX Balance {$750.00} ; XXXXXXXX XXXX XXXXXXXX XXXX ( Original creditor : XXXX XXXX ) XXXX XXXX {$2300.00} ; XXXX XXXX XXXX XXXX XXXX {$9800.00} ; XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} ; XXXX Inquiry : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : To Whom It May Concern : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX, XXXX, Ga. XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

I demand that all phone numbers are deleted. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX : XXXX - XXXX - XXXX Address : XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX Sincerely XXXX XXXX Enclosed : copy of State ID and Utility bill showing proof of address
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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.

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last four years Ive been disputing an account by XXXX  on my credit report- around the time my identity was taken and I was XXXX  in the hospital, this loan for a car was taken out with my name on it, by my roommate whom I know is the one who stole my information and her car dealer friend used my social and credentials - this is taking a toll on me and my family - given the fact that Im already XXXX and things are already hard, I cant get a house because i have this car on my credit, when I dont even drive! Nor have I ever seen this car. Please help me Im at my wits end : it was removed and then put back on my report and I dont know why when this account was fraudulent - I even sent them a police report from when my wallet and important documents went missing from my home - I have disputed this multiply times and the company is harassing me about this account and saying Ill be arrested and they can freeze my bank accounts, I only have XXXX! I cant even afford my rent, let alone a car - that isnt mine! My name is XXXX XXXX, Im going to have a XXXX XXXX XXXX, Im XXXX and XXXX  XXXX and I cant take this anymore Nd need to move on with my life - I cant even buy a house for my family or get a loan bc of this ignorant person taking my identity
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 items 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 items need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have been serviced by Fed Loan servicing since XXXX. 
I have been a participant in the public server loan program. Since that time I have accrued XXXX qualifying payments toward the forgiveness plan. I have XXXX or XXXX pending approval for the past two years not for lack of submitting the appropriate documentation. 

I have been with the same employer since XXXX and had payments approved up till XX/XX/XXXX, The approval process has stalled. There is a new public service loan forgiveness tool in which you add your employer and find out if its qualify or not. It has taken me roughly 2 years and some additional time to have my employer, previously approved in the program, added to the tool. I have submitted a great deal of collateral information to make this happen for my small nonprofit. Unfortunately just after my company was added as eligible to the tool, Fedloan made the decision that I not only was not qualified but did not work at a nonprofit. 

I work at a small nonprofit XXXX ( B ) which can be found on the Texas XXXX XXXX website. I have sacrificed earned income to work for a company in which I have a great deal of faith for the quality of care that we can provide rather than a corporate for-profit medical association. 

I have spent about as many hours as it would take to actually earn the money which I owe simply trying to get my loans approved for forgiveness under the new waiver which was approved by federal law.
Product: Mortgage

I have a loan from Citizens Bank. The loan number is XXXX. 

Around XX/XX/XXXX, I paid XXXX dollars cancelation fee to cancel my Escrow Account. Citizens approved. 

This XX/XX/XXXX, I found Citizens set up an Escrow account for me again for home insurance. And they took me XXXX dollars from my bank account. They said they helped me buy an insurance. 

Actually I have home insurance all the time from XXXX XXXX with annual premium around XXXX dollars. But Citizens helped me buy an insurance for XXXX dollars with annual premium. 

I left XXXX on XX/XX/XXXX, and came back to XXXX on XX/XX/XXXX. I found some letters said they did not have my insurance info. So they purchased insurance for me. 

Actually during this period I was not in XXXX, they should have email me with al the notice., which all other institute or any agency would do if they could not get any response from my via letter from mailbox. But they did not choose any other valid way to notice me, they just forced me to get an Escrow Account again. I called them, they said they will refund me that XXXX dollars to my Escrow Account, and refund me next year ... that's ridiculous. they randomly took money from my bank account and forced to get an Escrow Account again. This Citizens have issues or scams all the time to their customers. I need your help.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased 2 phones from Best Buy. There was a promotion in effect and I was supposed to receive a store credit of {$400.00}. At the conclusion of the checkout process ( which took more than 1 hour due to trainee errors ) they gave me {$600.00} instead of {$400.00} in store credit. I immediately pointed out the error and offered to give {$200.00} back. There was a long discussion between the trainer and the trainee, they clicked on a lot of keys behind the register, and ultimately they ( the trainee was there but the manager/trainer spoke authoritatively ) turned to me and told me that apparently there was a " computer glitch '' and that I should " enjoy. '' On XX/XX/XXXX I returned to Best Buy to spend the {$600.00} in store credit and purchased a computer for {$1100.00} ( with tax ). I paid with the {$600.00} store credit and I paid for the remainder by authorizing a charge of {$580.00} on my Best Buy credit card. 

In the months following I paid off and closed that credit card. 

On XX/XX/XXXX ( nearly 6 months after the store credit was issued ) Best Buy Credit Card services informed me that I owed an additional {$200.00}. After many phone calls and secure mails and emails and letters I now understand that Best Buy did an internal audit and found that they made an error with the extra store credit and they were attempting to rectify this 6 months later. 

The problem is that I had already made financial decisions on the basis of that extra {$200.00} and I have no way to undo those financial decisions at this point. 

I chose to purchase a computer at Best Buy on XX/XX/XXXX because I had that store credit. If I had had less store credit I would have bought a less expensive computer or not purchased it at Best Buy at all. If they had told me onXX/XX/XXXXthat the additional {$200.00} store credit was not valid then at that point I would have had the choice to buy or not to buy the computer - that would have been legitimate. But because they gave me that store credit and honored that store credit as a valid means of payment I purchased the computer in good faith. Now they are requiring me to pay an additional {$200.00} out of my pocket when I no longer have any choice not to make that purchase anymore. And because the computer I purchased is now used I no longer have the choice of returning it. 

I also point out that I authorized a payment of {$580.00} on my credit card ( see attached receipt ). If I had paid for the remaining amount with cash instead of the CC this conversation would never have taken place - they would have had no recourse. But because they knew my credit card number they felt the freedom to charge my credit card an additional {$200.00} without my authorization. Is that even legal?