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

1. Received ad from Citibank in XXXX to deposit {$15000.00} and get a {$500.00} Bonus after X months and subsequent time. It should have been deposited by XXXX at latest. 
2. XXXX opened the account at the XXXX  Branch of Citibank,XXXX  XXXX XXXX XXXX, XXXX , NV XXXX tele XXXX XXXX but don't bother calling as you can not get through ... you will spend your time going through prompts only to be switched to national customer service, which immediately says " We have problems with this system ... '' or something to that effect and hangs up on you. 
3. After opening, we began to get letters from Citi stating my wife needed a W-9 and W-8. After checking with our accountant, he determined although my wife is XXXX she has been a XXXX XXXX for over 20 years and a tax payer and need not submit a W-8 and instructed us how to complete the W-9. We did and sent it in. 
4. A few weeks later we got another letter from Citibank stating that document had issues ( not being clear on what those issues were I tried to get answers via phone ... that was hours wasted, but each time I called they ended it with " Just send in the form or go to the nearest branch and you'll get your {$500.00} bonus ''. Great ... .I can't go to a branch as i have severe respiratory issues and can't risk Covid. We sent a new w-9.

5. Got another refusal of her W.9. Then shortly an email saying that we hadn't given them the info in a timely manner during the course of the bonus so it's not going to happen.

6. As we'd done everything we could do and Citi was at fault as they couldn't give clear direction on what the issues were, we finally had my wife go to the branch but only after I sent a letter to the manager XXXX XXXX ( I may not have that right but close ). 
7. We also sent another W-9 in to the Citi IT branch as instructed. 
8. Although we had sent in yet a new W-9 it was returned as being " Altered ''.!! How? I took it from the web and filled it out. There could be no alteration. I was feeling a bit lied to and seemed maybe we were part of a Citibank program to raise money but not follow through on their end. 
9. XXXX XXXX although he was able to clarify the papers, has only depositied a $ XXXX not {$500.00} bonus. Since then I've sent him 2 letters which he's ignored or has not gotten to him. 
10. We simply want the other {$100.00} we are due. Yet with their customer service and now being ignored by a manager, we're unable to do anything. Please help us. Thanks. It's not big money but it's the principle and they owe us.
Product: Vehicle loan or lease

I purchased a new vehicle in XXXX ( Vin # XXXX3 ) in XXXX of 2000, the vehicle was originally financed through XXXX XXXX XXXX XXXX with an address of XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX. The vehicle was paid off, however XXXX XXXX was acquired by CitiFinancial and has since gone out of business. I have moved from XXXX to XXXX and I am in need of a Lien Release in order to license my vehicle in my new state. I have tried to contact Citi to no avail, I was referred to website ( XXXX ) to acquire the documentation via XXXX XXXX, XXXX has confirmed that they have no record, and stated if the loan was paid for prior to their acquiring the auto loan portfolio from Citi they would not have any record of the lien release and referred me back to Citi. I tried several numbers and could not get human on the line, by searching XXXX I found that my situation is no isolated and many former XXXX XXXX customers have had similar experiences.
Product: Vehicle loan or lease

We purchased a new XXXX  car that was financed through Kia Motor Finance. 
Since day one, we have sent extra money above our schedule payment with the intent of paying the loan off early by having the extra money go to reducing the loan principal. 
We have paid enough that for the last 3 months our statement show we dont owe anything however we are still sending them about $ XXXX/mo. to go toward principle. Upon review of our statements I found this company is withholding interest that should not have happened. 
I called their representative on XX/XX/2021 and was told I have call them and request the extra money go against the principal. 
Kia Motor Finance has been ripping us, and probably several others off since we made our first payment.
Product: Mortgage

Account Number - XXXX To whom it may concern, This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). 

I am writing you today as I disagree with the past due payments you are reporting on my credit reports. They do not line up with my records and I believe that my payments may have been misapplied. The particular lates referred to are : 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX 60 days past due as of XXXX XXXX to XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX to XXXX XXXX, XXXX XXXX, XXXX XXXX to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inaccurate information and inquiries on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the inaccurate information and inquiries claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the inaccurate information and inquiries immediately!
Product: Credit card

Discrepancy of actual transactions vs monthly statements. Balance does not match. I have documents. No one is taking me seriously. XXXX is. 
FOLLOW UP TO ERRONEOUS CHARGES AND MISHANDLED MANUAL TRANSACTIONS TRANSFERRED OVER. 

The Fair Credit Billing Act, the federal law that dictates how credit card fraud and billing disputes are handled, defines a number of situations as billing errors, including " goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. '' In other words, if you order a product and it never arrives - or if you refuse delivery because it 's not the product you expected or because it 's damaged - you 're entitled to your money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Disputed an account XXXX XXXX acct # XXXX with trans union because the account was paid off in XX/XX/2018. Transunion still show a balance on the account that should show a XXXX balance.
Product: Credit card

My bank is obligated to dispute charges that I report, and they have repeatedly refused to do so.  As their customer, it is the bank's job to advocate for me as their customer.  The charge I asked them to dispute took place on XX/XX/2015 in the amount of XXXX.
Product: Credit card or prepaid card

paypal credit keeps charging me interest when none is due and all the promotions they offer include the interest in the monthly payments. 

The 6month no interest promo is no interest for 6months the easy payment plan includes the interest in the monthly amount at a fixed rate that insures they collect interest on each easy payment so long as it wasn't an easy payment with no interest promotion. 

I have called the company many times and I either get the run around with misrepresented words or they hang up on me while trying to figure it out. They are doing it to millions of people collecting millions a month in these interest charges that no one can explain. 

I tell them how can they charge that extra interest when I have everything paid so I pay no interest except what was previously agreed to in some of the easy payment method. 

Even managers will talk deceptively and hang up or do all they can to confuse me and get me to curse or hang up. They were obviously trained in manipulative talking tactics. 

Syncro bank I think they are called paypal credit. They do not honor their agreements because of these extra charges its like 200-500 $ a year extra that I didn't agree to pay. 
Their whole system stinks of a money laundry or a off the top scam. 

See that XXXX $ what is it for if all the interest is already included in the easy payments and I don't have any 6month no interest due. And I understand they take a portion of the 6month promo every month but no interest is charged. What is that XXXX $ similar charges on all my statements. What is it they are super shady about it and can't explain. 

Please look into this.
Product: Student loan

They consolidated some of my loans without my consent as well as how they went from federal to private without my knowledge. They went back and forth between subsidized and unsubsidized a couple times according to my Navient account and it seems like every time it changed there was a new listing in my credit because there are several items reported on my credit by them some of which seem like duplicates. A lot of the amounts are incorrect as well as duplicate entries on my credit report. 

I called several times and I have been sent here to there and here to there without people telling me what has been going on with my loans. XXXX got my loan from XXXX XXXX XXXX has added all types of interest to my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX, has violated my rights. XXXX Acct # XXXX has violated my rights. XXXX Acct # XXXX has violated my rights. XXXX Acct # XXXX has violated my rights. XXXX XXXX Acct XXXX XXXX has violated my rights. XXXX  Acct # 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 an account without my written instruction.
Product: Money transfer, virtual currency, or money service

I have an account with Robinhood. 
I tried to withdraw $ XXXX from Robinhood to my bank account on XX/XX/2025, but they suddenly restricted my account and I can not open new positions or transfer funds to my bank account. 
As of today XX/XX/2025, I still can not contact them and also can not move my money from them.
Product: Credit reporting or other personal consumer reports

I reached out to equifax several times with hard inquires that were done by someone that stole my identity and I provided them with the FTC report and they are still refusing to remove the hard inquires. I have attached the FTC Report and listed all hard inquires below. 

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. ALSO MULTIBILE EMAILS WERE CREDIT BY SOMEONE THAT HACKED INTO MY PC
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 XXXXXX/XX/XXXX
Product: Mortgage

I have been waiting 6 years... YES... 6 years... under the constant promise that my bank ( US Bank ) was going to get us an affordable mortgage so my wife and I could keep our home! Anyone who hears this story can not conclude that this is our fault! The bank has held all the cards. They have been stringing us along with the hope that we were going to be able to save our home. I have laid out all the particulars in my complaint, including the FACT that US Bank lost all of our documents! ALL... lost... and yet somehow it 's our fault that we have been delayed and have not been given an affordable payment. That 's all we have been asking for!! We have paid for over 15 years, almost {$2800.00} a month and yet we can not find someone at US Bank to get us a lower payment so we can keep our home! Now, we face being foreclosed on! We are more than angry! We want US Bank to pay for our delays, and all the charges we have accrued from their incompetence!
Product: Credit card or prepaid card

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

SENT EVERYTTHING UNDER THE QUILD LINES FOR FTC VOLATION THEY NEED TO CORECT MY REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion and mentioned that I have unauthorized inquiries on credit report. I actually spoke to a supervisor : XXXX XXXX. 
I was told that these creditors had permissible reason to access for credit file while I stated that they did not. 
He explained that permissible reason was that I gave consent which I have not given, they offered a service I was interested in and they dont, and lastly that they didnt need my written permission if they were associated with someone I had given permission to previously! 
The following creditors : XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX. XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I disputed fraudulent accounts XXXX also attaching proof of address etc I disputed with TRANSUION & XXXX via XXXX mail with proof of identity theft In which according to section. 605 b of the fair credit reporting act those accounts disputed should have been removed within XXXX buisness days however they were not in which TRANSUION & XXXX decided not to properly investigate and remove those items nor did they take my identity theft into a serious matter this has caused emotional distress so now I have no choice but to XXXX TRANSUION. & XXXX both for {$XXXX} each for damages they have caused I will also like to add they have also violated the fair credit reporting act clause in which thats also a legal violation under the fcra law if these accounts do not be removed in XXXX  days i will file a legal suit also I may want to add if both parties TRANSUION & XXXX do not send out my {$XXXX} emotional damage check I will sue as well
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Request for Accuracy and Reinvestigation of Charged-Off Account Under the Fair Credit Reporting Act ( FCRA ) Dear XXXX XXXX XXXX XXXXXXXX, I am writing to formally request a reinvestigation of the charged-off account associated with my name and/or account number XXXX in accordance with the Fair Credit Reporting Act ( FCRA ). I believe there may be inaccuracies in the reporting of this account to the credit bureaus and wish to ensure that all information being furnished is accurate, complete, and up to date. The FCRA requires that furnishers of credit information maintain strict standards of accuracy, and I would like to verify that the information reported by XXXX XXXX complies with those standards. To assist in your investigation, I am requesting the following : 1. A detailed review of the information associated with the charged-off account.

2. Verification of the accuracy of all reported details, including dates, amounts, and any relevant history.

3. Correction of any inaccurate or unverifiable information.

4. Written confirmation of the outcome of your reinvestigation, including any changes made to the account information. 
Please complete this investigation within the time frame prescribed by law and notify me of the results in writing. If additional information is needed, please do not hesitate to contact me. Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your reinvestigation and any corrective actions taken. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credt Reporting act XXXX XXXX Accounts XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX  XXXX Account XXXX XXXX # # # XXXX, XXXX XXXX CO XXXX XXXX Account 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 Sechign 604 A Section 2 It also stales & consumer reporting agency can not furnish a acodont without my writhen instructions.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against TransUnion for Non-Compliance and Violation of Consumer Rights I am writing to formally lodge a complaint against TransUnion for their continuous violation of my rights as a consumer. Despite multiple attempts to resolve these issues directly with TransUnion, they have failed to adhere to the required compliance standards, particularly the Metro 2 format, and have not followed consumer protection laws.

**Details of the Complaint : ** 1. **Non-Compliance with Dispute Resolution** : - I have submitted multiple disputes regarding fraudulent accounts, specifically one related to XXXX XXXX XXXX XXXX Despite providing comprehensive documentation, including an FTC report and a police report, TransUnion has failed to block or remove this incorrect information from my credit report. 

2. **False Bankruptcy Reporting** : - I was wrongfully reported to have a bankruptcy on my credit report. Bankruptcy Court for the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, CA XXXX I obtained official documents from the alleged bankruptcy court stating that I do not have a bankruptcy. Additionally, my XXXX report, which TransUnion claims to use for public records, confirms that I do not have a bankruptcy. Despite this, TransUnion continues to inaccurately report this information on my credit report. 

3. **Improper Handling of Inquiries** : - While some inquiries were deleted, TransUnion still reports incorrect inquiries from XXXX XXXX XXXX XX/XX/2024 and XX/XX/2024. Attached are documents from TransUnion substantiating this claim. 

4. **Impact of XXXX XXXX XXXX : - I was a victim of the XXXX data breach, which has evidently resulted in fraudulent use of my personal information. TransUnion has failed to take adequate measures to rectify the fraudulent reporting on my credit report following this breach.

The ongoing failure of TransUnion to correct these inaccuracies is not only frustrating but has also severely impacted my financial standing. Their actions ( or inactions ) are in clear violation of consumer protection laws designed to safeguard individuals from such negligence and malpractices. 

I am attaching all relevant documents, including FTC and police reports, bankruptcy court documents, XXXX reports, and TransUnion correspondence for your review. 

**Request for Action : ** I request the Consumer Financial Protection Bureau XXXX : - Investigate TransUnion 's non-compliance and negligent handling of my disputes. 
- Hold TransUnion accountable for their continuous violations and mandate immediate correction of my credit report. 
- Ensure TransUnion adheres to the Metro 2 format and consumer protection laws in all future reporting and dispute resolutions.

Thank you for your attention to this matter. I look forward to your prompt and decisive action to rectify these issues. 

Sincerely, **Attachments : ** - FTC and Police Reports- Bankruptcy Court Documents- TransUnion Correspondence - Court Documents for XXXX XXXX
Product: Credit reporting or other personal consumer reports

inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer repo prepares a consumer report, it shall follow reasonable procedures to assure th possible accuracy of the information concerning the individual about whom the relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In after any reinvestigation under paragraph ( 1 ) of any information disputed by a c an item of the information is found to be inaccurate or incomplete or can not be v the consumer reporting agency shall- ( i ) promptly delete that item of information file of the consumer, or modify that item of information, as appropriate, based on results of the reinvestigation; and ( ii ) promptly notify the furnisher of that informatio the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX should remove midland credit management company from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found several incorrectly reported dated on my credit report regarding this debt that i have tried to rectify with the creditor directly but to no avail. On XX/XX/2023 I legally requested the following collection accounts ( via certified mailing ) to be investigated as being 100 % accurate and I am willing to pay the debt in full if verified. These collection accounts have not been verified to date and it has now been well over 45 days since my original request. Here is a copy of the certified letter mailed to these creditors for validation of these debts. I am still awaiting these requests and am demanding that these accounts be removed from my credit report ASAP. I have tried multiple times to get the requested information below : List of creditors who recieved certifed letters for my request and has not obliged as of XX/XX/2023 -AMEX XXXX CITIBANK XXXX account # partially listed on credit report as XXXX To whom this may concern, Your company said, I allegedly owe you money. I am willing to Pay under the conditions that you are able to provide : 1 : validation of the debt- - that is, the actual accounting.

2 : verification of a signed invoice.

3 : a copy of the contract binding both parties ( you and I ), and a letter by certified mail so that there is an independent witness as to it being delivered. 

Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX
Product: Credit reporting

I have disputed items on my Equifax credit report and some items have been pending for months and I have tried calling and calling, talking to them through chat and even emailed ... nothing has been done .. the items I have disputed are medical bills that should n't be on my record because I had XXXX ... well I was told that in disputes it takes 30to 45 days after that they have to remove it if no proof is found, well remove it then please.