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

I opened an online account with Citi Bank on XX/XX/2020, with an initial deposit of {$250000.00}. They posted it the same day. When I checked my funding account at CITBank on XX/XX/2020, I saw they had withdrawn this amount twice. I complained and got {$250000.00}. refunded the next day. I deposited another total of {$110000.00} the last 3 days.To my surprise, my today 's balance is just {$110000.00} and not {$360000.00} as it should be. I called Citi Bank and they told me, they didn't see the double payment on their system, just the refund. At my CITBank account, it clearly shows two debits of {$250000.00} going to Citi Bank and one credit of {$250000.00} coming from Citi Bank. So I chatted with several persons on the Citi Bank website. Unfortunately, I only wrote one person 's name down, XXXX. Nobody could help me because they said, they can not see a double deposit on XX/XX/XXXX on their side, just a withdrawal on and they also never requested this amount twice. After talking to CITBank, they confirmed, they got two requests to transfer {$250000.00}. I also have that in writing from them, see attachment. Calling Citi Bank is a nightmare. They are asking me for a debit card # and the security code -- since this is a new account, I only received the last 4 digits of the ATM card, but no security word. After about 5 min. they transfer me -- to the wrong person. So, I'm getting transferred again and can wait, wait, wwait until I get another person who can't help me either. Finally I'm ending up with a supervisor, XXXX, who can't help either and he refers me to CITBank. I call them, they just hang up on me. So I wrote them an online message. On previous response they told me to call, but the phone people just hang up on me. Let 's see what will happen now. Going back to Citi Bank with new information, go through that number disaster again, the wrong person transfers me again, I can't get XXXX, as he promised, but have to wait, wait, wait again until I'm getting a message " don't wait for a supervisor more than 2 min., get a department head. '' They don't transfer, so I'm calling again with all that number requests and then wait and wait and wait ... getting the wrong person again, getting transferred.. and wait and wait and wait. PLEASE HELP! I'm still out of {$250000.00}!!! Thank you. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was opened on the following date : XX/XX/XXXX There are no on time payments from date opened to charge off status why? This is inaccurate payment history reporting. I should have an active payment history from XX/XX/XXXX to XX/XX/XXXX this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit. Why are there two different dates for the date opened if this account is 100 % accurate they should both be reporting the same date. Experian is reporting XX/XX/XXXX so why is transunion showing XX/XX/XXXX? Experian, and XXXX failed to investigate this account properly after I repeatedly asked to have the account updated your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX 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 instructions.
Product: Credit card

My credit card limit has been {$2700.00} with Paypal Credit. In an effort to repair my credit by reducing my credit ratios, I made several large payments toward various credit card accounts including Paypal Credit on XX/XX/. I selected this account to make a large payment of {$1000.00} due to the higher interest rate but I could have selected a different credit account to make such a large payment towards. My regular payment with Paypal was around {$120.00}. On XX/XX/, I noticed that Paypal Credit reduced my credit limit from {$2700.00} to {$1900.00}, leaving an available credit of {$56.00}. I am aware that creditors can adjust credit limits for various reasons. However, I am concerned that this creditor conducted a review of my account due to the large payment that would have resulted in less interest accrued and paid to the creditor. I am also concerned that my credit will be negatively impacted by the reduced credit limit, even though I made a large payment towards the account in an effort to improve my credit. This is very frustrating and stressful, especially in this economy. 

I am concerned that this company has a pattern of reviewing accounts that appear to be less profitable to the company, due to lower balances. I called to inquire about the credit limit decrease. The first representative told me her system went down and stated she would transfer me to a new representative. No one answered after XXXX minutes. I called back. The second representative stated an account review was conducted on XX/XX/, which was one day after I made a payment towards the account and the same day the payment was effective on the account. The representative stated a letter would be sent to me soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. If your company, fails to comply with federal regulations by credit reporting agencies you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and CFPB the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., XXXX. XXXX ( XXXX XXXXXXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

i have already disputed the items below on XX/XX/XXXX, XXXX, XXXX XXXX, and XX/XX/XXXX, but the bureaus did not remove them. 
Under Sec. 602 States i have a right to privacy. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

My personal information with Equifax, has been breached. I am enclosing the proof.
Product: Bank account or service

I am trying to close a line of credit with Key Bank ( formerly First Niagara ). The process has dragged on for more than 30 days. I can not open another line of credit at my new bank because the lien on my Key Bank account is still on file with the State of Connecticut ( where I live ). Agreed upon account termination timelines have gone unmet despite promises from well-meaning staff at my local branch.
Product: Credit card or prepaid card

On XXXX I started purchase of automobile motor from XXXX XXXX XXXX for a payment of XXXX from my debit card ending inc XXXX from USAA. Later I used my credit card ending in XXXX from USAA for XXXX on XXXX. Total amount paid by this date was XXXX. I have never received my motor and have yet to have a refund for this fraudulent transaction. I no longer wish to be a consumer in XXXX until this is solved. Please help!!!!!
Product: Debt collection

XXXX KEEPS TRYING TO COLLECT APPLIED BANKS BUSINESS CARD AND IS REFUSING TO REMOVE ITS TRADELINE FROM MY EXPERIAN CREDIT REPORT IN VIOLATION OF FCRA, FDCPA AND TCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 Time XXXX XXXX called into XXXX unable to make contact with Equifax agent. XX/XX/2019 Time XXXX XXXX option 5 option 2 option 0 no Equifax agent available to talk with. Phone que requested caller to go to Equifax web site, nice run around with no access to Equifax site because of log in issues form the last two unresolved tickets opened at the Consumer Financial Protection Burau which were not resolved from Equifax support group.

XX/XX/2019 Time XXXX XXXX called XXXX Option 5 for Agent Time XXXX XXXX Went through all security questions again with Customer Support and informed Equifax Customer Service Representative about all the problems with not being able to log in to Equifax site, which has been going on for one month.

XX/XX/2019 XXXX XXXX Rolled over to Specialty Department. Went though all security questions again, on hold for many minutes, the person from Specialty Department seems to be having trouble with obtaining temporary password to reset with, on hold again, Now have been informed that the Equifax system is not able to give out temporary password. Informed from person from Specialty Department that the AT department has no time frame on when the Equifax system will be able to give out temporary password to log in with to reset password. Informed that this could take weeks or months before online Equifax At Department can resolve the issue ...
Product: Student loan

Edfinancial is my loan servicer. They are purposely not communicating with borrowers. The phone hold times are up to 8 hours. You can request that they call you back and keep your place in line. I've requested that 4 different times. They've called back once, when I picked up, I heard them laugh, then immediately hang up on me. I'm almost a fully XXXX veteran, and I know for a fact I can get a much lower payment. But they won't answer me or help me submit my financial information to get the payment lowered. I've tried to use their chat function, it doesn't work. I've tried calling, they hang up. I've tried emailing, and I get no response. I know I'm eligible for a much lower payment, but I have no recourse to have access to my loan servicer. I've filed a complaint with the Department of Education, but there is nothing I can do.
Product: Debt collection

Received call on XX/XX/2022 at XXXX, clearly its a mass dialer because the line was quiet for XXXX seconds before someone came and started asking for my wife, asked what is this in regards for, he yelled if you dont know her no point in talking to you and hung up. Called back asked to be removed from any list lady slightly laughed. Havent received any other notice of the debt owed, not sure how their complying with the laws on that one. 

Additionally when asked for the company name the laughing lady said it very fast, purposefully trying to make sure people write it down incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023. I called to settle a debt with a company named XXXX XXXX. They bought a collection from XXXX and XXXX XXXX. I paid {$1300.00} and {$760.00}. I was told that they would remove the collection from my report since the debt had been paid off. I was provided documentation stating it was settled in full and paid. I disputed the items multiple times and every time the results came back it would say nothing was settled and the results haven't changed. I have reached out to XXXX XXXXXXXX and informed them on this and they said it should've been settled since I paid them. Given the nature I also had another company reach out to me saying that they owned the debt that I had already paid XXXX XXXX. I had to send them documentation proving the debt was settled. I need to know why it keeps coming back as nothing has changed and that I still have this debt if it has been paid and there is documentation proving the settled debt. It is absolutely tiring that this continues to happen.
Product: Debt collection

I had XXXX insurance and the medical staff said that the procedure is covered by insurance. XXXX went ahead and charged me for the full amount. I was told that it is covered by the insurance, but the billing department refuse to make the adjustment. I accidentally paid one of the bills, they refuse to refund it because they said it was a owed. Very dishonest with billing
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a letter to XXXX XXXX on the XXXX of XXXX concerning a account that is reporting i owed XXXX, asking them to verify this negative item belong to me.i know that they have 30 days to respond to this request before its considered a violation
Product: Credit card

I contacted Amex on XX/XX/XXXX to open a dispute about a purchase I made on XX/XX/XXXX of XXXX. I purchased a bluetooth joystick that was marketed as being compatible with XXXX devices ( XXXX devices ) and that was specifically marketed as being compatible with XXXX XXXX which was the version of XXXX I was running. 

After multiple hours of troubleshooting the device via the sellers XXXX I could never get it to work. I was asked to block a bunch of domain servers/ip addresses coming from XXXX. I was also asked to disable tons of system services including find my XXXX, location services, and so-on. I was also asked to disable wifi, cellular, and uninstall a bunch of applications. All of this was XXXX absurd, but I went along with it and still couldn't get the device to work. 

Amex refuses to do anything about it stating I need to jump through more hoops with the seller. Are you XXXX kidding me? Really? This is absolutely bonkers. All of this to get a bluetooth joystick ( a controller! ) to work. None of this was mentioned on the website. It was suppose to just connect and work. 

Ref. XXXX My name is XXXX XXXX XXXX My Phone number is XXXX. The above is my reference number for a dispute Amex closed and refused to reopen or do anything about.
Product: Checking or savings account

PNC Bank routinely charges overdraft fees when accounts have NOT gone into negative status! On XX/XX/2018 at the end of the business day our account did not go into negative status but on XX/XX/2018 PNC charged us with a " ghost " overdraft fee. I say ghost because they didn't report the fee in transactions history until Monday XX/XX/2018. I immediately called on XX/XX/2018 and was told I had to wait for a call from the escalation department. XXXX XXXX was the escalation person who called Monday XX/XX/2018 at XXXX XXXX  CST. After discussing the issue and providing him with evidence he refused to reverse the charge.
Product: Debt collection

Received collection notice from Hyundai Motor Finance dated XXXX XX/XX/2020 and received today indicating my payment iao XXXX is past due. Late payments may result in late fees and may damage your credit. It is very important that you prevent further collection efforts on this account. My payment is due on the XXXX of each month and was made on XXXX XX/XX/2020 and posted on XXXX XX/XX/2020. I always make my monthly payment within the grace period allowed and have never received a collection notice for late payment. This is a creditor harassment. I reached out to the company and was told " we are not sure why this happened and to just regard the notice ''. This response is unacceptable and I am requesting a formal apology from Hyundai Motor Finance. It is my belief that this has happened because I took XXXX XXXX XXXX to arbitration and won and they now have to replace my current vehicle with a new vehicle. I've leased 2 Hyundai/XXXX  vehicles and have never ever received a collection notice.
Product: Credit card

I reported fraudulent charges on my Citi credit card account in the amount of {$2500.00} over multiple transactions. The CC opened a disputed and was supposed to remove the charges from my account. They did open a dispute and never removed the charges. They called and asked me about the charges, which I explained appeared shortly after I had made a purchase on XXXX. The billing on my card looked similar to the billing for the valid XXXX purchase but I did not make them and they do not appear in my XXXX transaction history. 
The dispute was closed stating I owed the money because I provided the merchant my card. I called on or about XX/XX/XXXX  after received the dispute closure letter ( dated XX/XX/XXXX  and postmarked XX/XX/XXXX  ) explaining that I did not authorize the additional charges and was told a new case would be reopened. I offered and sent my XXXX transaction history, the CSR I spoke with assured me that would drive rapid resolution of the problem. I have called twice in the last two weeks for status to find nothing has occurred. No new case has been opened and the charges have not been suspended. On the call today I was told I was responsible because I gave the merchant my card ( assuming they meant number ). I fail to understand how I can be responsible for someone fraudulently using my card number without my authorization whether or not I had provided it for a valid authorized purchase. If that were the case the entirety of the credit card, bank card and virtual payment systems that businesses in modern day socitey rely on would collapse.
Product: Debt collection

XXXX XXXX / XXXX / {$7100.00} XXXX XXXX / XXXX / {$0.00} XXXX XXXX / XXXX / {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Checking or savings account

I opened a checking and savings account with Wells Fargo in 2012 I believe, I do not have the account number available to me as all accounts are now closed and do not have access to them. Due to Wells Fargo high pressure sales tactics which includes customer service reps insisting I open a second account to use for bill pay, I later opened additional checking accounts, accounts ending in XXXX, XXXX. It's common sense to know you do not need a second checking account, you can keep your funds in one account and still manage bill pay.. Reps would routinely insist I open a second account whenever I called in with questions about the account and or any fees. It appears Wells Fargo reps only wanted to boost profits as they were advised to persuade customers to open additional accounts by executives, this information can be found on any number of news sites pertaining to this issue. I fell victim to this, opened accounts I did not need.. Prior complaints were made about fees charged to these accounts and settlement payment which is inadequate. Wells Fargo made a settlement fund due to their reps high pressure sales tactics in order to boost profits and salary of executives. I received a payment in the amount of XXXX from this settlement which appears to be a remedy not a resolution of fees. I understand the administrator of settlement determines how much is paid out, even though Wells Fargo agreed to the settlement and I believe is the party responsible for disbursing payments. Needless to say, this seems shady as it appears they simply sent out {$85.00} to everyone whom filed a claim.. Prior complaints were made about this issue, a payment of {$50.00} was received and most recently, {$120.00} for a total of {$260.00} including {$85.00} from settlement. Suspicious of this, I requested copies of statements via a complaint with the CFPB, which was marked as duplicate, another complaint filed with the OCC in order to obtain them. I've since received several duplicate statement copies, which are not needed. I also received a notice from Wells Fargo Mediation, I replied with a request for remaining fees which I total in the amount of {$610.00}. The total in fees I show and have attached statement copies to this complaint is {$870.00}, I was paid a total of {$260.00}, thus leaving an amount of {$610.00}. Please note, this does not include the monthly service fee of XXXX. I reasonably requested XXXX via medication, have not heard back in re. I do not know how Wells Fargo rep ( s ) replying to these complaints calculate these payments, XXXX and XXXX, however, they appear to be a remedy not a resolution. I request Wells Fargo do an accounting of fees charged to these accounts, refund difference which I believe to be {$610.00} which reflects {$260.00} paid to me prior.
Product: Credit reporting or other personal consumer reports

Hello, there is erroneous information that you keep reporting on my credit. This is really worrisome and it's stressing me out. My financial freedom is at stake and these errors halts the progress in achieving it. It's been a long time but you keep on ignoring it and it's taking a toll on my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent " Experian '' several certified letters 120 and 90 days ago disputing the late payments they're reporting is inaccurate and needs to be corrected as I never been late on any of my accounts, also Experian has one of my accounts marked as closed when its an open and active account. Experian never responded or corrected the problem!.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT REPORTING AGENCY THAT THIS COMPLAINT IS ISSUED FOR HASNT BEEN SENDING ANY LAWFUL AND/OR LEGAL PROOF OF DEBT BEING EXACTLY MINES ACCORDING TO THE FAIR CREDIT REPORTING ACT AND HAS BEEN VIOLATING ALL OF MY PRIVACY RIGHTS I HAVE SENT IN MULTIPLE DOCUMENTS STATING PROOF AND STATEMENTS SHOWING THAT IAM A VICTIM OF IDENTITY THEFT. I HAVE REQUEST FROM THIS COMPANY MULTIPLE TIMES FOR PROOF OF AUTHORIZATION AND PROOF OF VERIFICATION AND MOST OF ALL WET INK SIGNATURE OF ORIGNAL CONTRACT STATING THAT IAM OBLIGATED AND IAM FOR SURE THE ONE THAT OWES THIS DEBT OR ANY DEBT STATING AND BEING REPORTED FROM THIS COMPANY WE ALL KNOW THAT THIS COMPANY IS MOSTLY OPERATED USING A EOSCAR WHICH IS AN AUTOMATED SYSTEM THAT DOES NOT VERIFY OR VALIDATE FLESH AND BLOOD BUT ONLY THROUGH ELECTRONIC VERIFICATION USING PERSONAL INFORMATION THAT CAN BE OBTAINED THROUGH MANY FRAUDULENT AND TRAGIC SITUATIONS AND PLEASE BE AWARE AND HOPE NOT FORGETTEN THAT THE EQUIFAX DATA BREACH OCCURRED BETWEEN XXXX AND XX/XX/2017 AT THE AMERICAN CREDIT BUREAU EQUIFAX.PRIVATE RECORDS OF XXXX XXXX AMERICANS HAS STOLEN AND I MAY COULD HAVE BEEN A VICTIM OF THIS UNLAWFUL AND ILLEGAL IRRESPONSIBLE OF CONSUMERS INFORMATION CREDIT REPORTING AGENCY. 

ACCOUNTS CONTRACT CALLERS COLLECTIONS XXXX XXXX XXXX I'VE ATTACHED EQUIFAX RESPONSE ALONG WITH MY MOST RECENT COMPLAINT.