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

There is no way to receive Citi replies in writing other than sending a letter by regular mail. 
Online I have the following options : - Chat : it shows unavailable - Call : not interested because I need the reply in writing - Mail : just absurd to send a letter for an account-related simple question Unfortunately, being a bank that is not providing any way for me to clarify questions electronically, I'm forced to open this complaint, and will open more if new questions come up and I find no way to contact Citi in writing. I refuse to send regular letters for this kind of questions. 

First question is : why? why not provide a secure message center where I can send a question? There is a secure message feature but only to read messages, not to send ( how convenient ... ) Other questions : - When I try to use the Virtual Card number feature on the website, I receive : We're sorry, we're having technical issues and the system is temporarily unavailable. Please try again later. We apologize for any inconvenience and appreciate your patience. If you continue to receive this error, please call XXXX refer to Error Code [ XXXX ]. 
- I'd like to know the date in each my ThankYou card was opened, and also if and when I'm eligible for the sign up bonus of the new Rewards Plus card. I received the offer to convert my current card, but then I don't receive the welcome bonus. I prefer to wait until I'm eligible ( if I'm not already ) to apply for the card. I believe there is a 24-month wait time since the last ThankYou card was opened. Please confirm all that. 
- I opened a return protection onXX/XX/XXXX. Only on XX/XX/XXXXI received a reply, saying my account ending in XXXX could not be located ( it was recently transferred due to unauthorized transactions to a new card ending in XXXX ). They did not simply ask about the new account - they asked me to resubmit everything again, which is an absurd. They should be able to check the previous account anyway. I resubmitted everything the next day (XX/XX/XXXX ), and have not heard back yet. Slow, ineffective benefit. 

It seems you are not paying attention to your customers based on the issues reported above XXXX lack of a place to send messages, errors when using the account features, slow and ineffective benefit ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  sent this company a letter to delete and update in XXXX to delete this account from my credit file on XX/XX/2021. I confirmed twice with the company, yet it is still being reported on my credit file. The companys update every beginning of the month. Its been almost XXXX weeks since professional debt mediation asked this to be deleted and you are stop reporting on my credit. At this point its defamation. Shouldve been deleted on XX/XX/XXXX when reported to be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

trying to get my credit reports experian XXXX  and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$530.00}, {$410.00}, {$630.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$530.00} -This is not my account. 


-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$410.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$630.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX XXXX XXXX.
Product: Consumer Loan

The Bank of the West has the loan for my XXXX Dodge Challenger Rt. I sold it to a buyer from XXXX. The buyer sent a cashiers check to this bank in the amount of {$22000.00}. I owed approx. XXXX so the bank was to issue me a check for the difference. I called them to tell them the check would be coming and that I would not release the car until I received my part of the money. XXXX ( Manager ) stated that when I called the automated system and it stated the loan status as XXXX it would be ok to release the car to the buyer. On XXXX XXXX I called the system and my loan had a XXXX balance. On XXXX XXXX, 2015 I let the buyer have a tow company pick up the car, thinking I would be receiving my money soon. On XXXX XXXX, 2015 I had not received my check so I called The Bank of the West only to find out the cashier 's check they received was fraudulent as of XXXX XXXX, 2015. They did not notified me by phone or mail that my loan was still going to be due. They should not XXXX the loan out until 10 days or so have passed and the cashier 's check is cleared. I was paid ahead XXXX months so the payment is going to be due on XXXX XXXX, 2015. I refuse to pay them because it is their fault my car was stolen by deceit. I was trusting them to protect me. On XXXX XXXX, 2015 XXXX ( Manager ) called me and admitted that he told me it was ok to release the car when the automated system showed XXXX due and that he was sorry. He said he told me that as a courtesy. All these calls to The Bank of The West are recorded and I sent them the date and times of these conversations so they could review them, so they do have them on file. 
I hope you can help me in some way. 
Thank you, XXXX XXXX XXXX
Product: Debt collection

Resurgent/ LVNV never gave me the opportunity to address the alleged debt or dispute it. It just appeared on my consumer report. I never received written notification about the alleged debt. I didnt receive notice about my rights to dispute. Didnt know about the assignment of debt, when bought, wasnt given a 5 day notice. Know how works dide. Didnt have opp to dispute. I NEVER received notice. If you believe you gave proper notification send the receipt, certified mail with my name and signature. If you cant provide proof, you must delete at first immediate time cant
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking accounts and credit cards that are paid off or closed but show that theyre delinquent on my credit history. Also, accounts opened in my name that arent mine and addresses that arent mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX And Agency Account XXXX. received 5 letters That has violated my rights, By sending them to the wrong Address, Has violated with my rights by giving exposing my personal information, with the details accounts numbers, that has put my information in jeopardy for scams, and for someone to steal my identity I will be uploading the Letters that has Violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1681g - Disclosures to consumers ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 u.s.c 1692 ( B ) ( 2 ) 15 u.s.c 1692 ( C ) ( A ) 15 u.s.c 1692 ( G ) ( A ) 15 u.s.c 1692 ( D ) 15 u.s.c 1692 ( C ) ( A )
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from CFPB that you closed my complaint to protect my PRIVACY. I called TransUnion/Experian after I purchased a credit report from XXXX XXXX dated XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Addresses and accounton my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

This is to express my concern and frustration regarding the numerous attempts made by your organization to remove charge-off accounts with incorrect balances from my credit report. These actions have created significant confusion and have negatively impacted my credit standing. I have been diligently monitoring my credit report to ensure its accuracy and fair representation of my financial history. However, over the past several months, I have noticed several erroneous attempts by your organization to remove charge-off accounts that contain incorrect balances without my consent. 

I would like to emphasize that while I acknowledge the presence of charge-off accounts on my credit report, the balances reported are incorrect. These discrepancies must be corrected to reflect the true state of my financial obligations. I firmly believe in the importance of accurate credit reporting and am committed to maintaining a truthful credit history. Any changes made to my credit report should be based on accurate and verifiable information. I kindly request that you respond to this complaint within 30 days and take the necessary actions to rectify this situation. I have no choice but to seek legal counsel or file a formal complaint with the relevant authorities. Please help me remove these charge off acoounts immediately : XXXX XXXX  XXXX XXXX XXXX  : {$XXXX} ; XXXX XXXX XXXXXXXX Balance : {$XXXX} ; CONNS XXXX Balance : {$XXXX} ; XXXX XXXX Balance : {$XXXX} ; XXXX XXXX  XXXX Balance : {$XXXX}.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I called XXXX XXXX XXXX XXXX to bring my account current. I made a large payment of {$480.00}. The representative said the account was current and I could continue making payments 0 balance was now {$510.00}. That same day TD retail card services charged off my account. I requested a call back from a supervisor in XXXX and disputed the charge off. No one called me back. CHarge off was " reversed '' XX/XX/XXXX. My credit report still shows a charge off as well as no p [ ayment made for XX/XX/XXXX. Called XXXX XXXX XXXX XXXX  XX/XX/XXXX and was on the phone for hours getting re routed. No one could figure out how I could speak to a supervisor, make a payment and/or get the charge off taken off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this account removed for months now. On XX/XX/2022 I sent all three bureaus another letter asking once again for their method on how they are trying to say this debt is mine. XXXX closed the complaint so I contacted the fraud department via phone and the women I spoke to specifically told me she was removing it and come to find out she disputed it again. XXXX did not respond on time the complaint number XXXX still has not responded therefore that account must be removed and I'm owed XXXX for not responding within 30 days.
Product: Money transfer, virtual currency, or money service

Hello. I am making this complaint against Crypto.com for their negligence. On XX/XX/XXXX, there was an unauthorized transaction made on my account. At this time, I was unable to login to my account ( Someone logged me out and changed my pin ). After I got in eventually, I saw that my money was transferred from my initial investment into XXXX and then into XXXX and withdrawn to a wallet that is not mine. I notified crypto.com through their chatting support system ( thats all they have ). I sent them proof and after the relevant department finished their investigation, they decided that nothing happened and they will do nothing about it to help me. After this, I go online and find out that there was a company wide hack that happened AT THE SAME TIME this transaction was made and my money was stolen. Many crypto.com users were affected. Why was I not notifed about this hack? Why was I not notified when this unauthorized transaction occurred? and why are they not willing to admit that I was affected by it? This is no coincidence that his hack happened at the SAME EXACT TIME that my money was taken and crypto.com is unwilling to take any responsibility. truly the worst crypto currency app ever made.
Product: Credit reporting, credit repair services, or other personal consumer reports

U S Dept of ED - Acct # XXXX U S Dept of ED - Acct # XXXX Both U S Dept of Ed are reporting the following : Open Date XX/XX/XXXX | Report Date XX/XX/XXXX | Reporting Student Loans in Collection. 
Accounts are paid, XXXX balance, and XXXX past due. Accounts are not in Collection Status.

Originator Creditor FEDLOAN Acct # XXXX - Limit/HC {$2600.00} Account Transferred - Open Date XX/XX/XXXX. Loans Closed XX/XX/XXXX. XXXX Balance, XXXX Past due. Report Date XX/XX/XXXX. 

.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance of the Fair Reporting Act these XXXX  accounts has violated my rights. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX  XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX XXXX # XXXX Account name : XXXX XXXXXXXX # XXXX Account name XXXX XXXX  XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

This closed account issue took place year of 2020. They just kept saying account closed with no explanation
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

Last year, I ran into financial difficulty and was unable to continue to pay my credit card payment to Citibank. I was in the process of consolidating my debt, but the consolidation loan was taking an incredibly long time. I called Citibank numerous times and updated them, but failed to put that information into writing. By late XX/XX/2016, the debt consolidation loan settled and a check for {$33000.00} was issued to Citibank. The last account statement I received from Citibank ( see attached ) did not reflect that {$33000.00} payment. I never received another statement from Citibank. Citibank apparently sent my account to their collections group. I have received numerous " settlement offers '' from the collections group, but have been unable to establish how much I really owe Citibank, despite two letters to them earlier this year ( see attached ) requesting that information. I know I owe them something, but I just do n't know how much. I would like to settle this account once and for all. The collections group says I owe {$2000.00} more than I think I owe them and I do not understand how they came up with this amount.
Product: Checking or savings account

On the XXXX of XX/XX/, i purchased XXXXwo cashiers checks at my local Bank of America branch. I asked the teller about the process if end up not needing one of them. ( one was for XXXX, the other XXXX ) They told me i could deposit them back to my account without a problem. 

I ended up not needing the XXXX one and deposited it in the BofA mobile app using the deposit checks feature. It accepted the images and the endorsement on the check, but placed a 7 day hold on the full amount. 

I immediately called Bank of America and they gave the following explanation : the deposit checks feature in the BofA app should only be used to deposit personal checks. Nowhere does the app display this information during the check deposit process.
Product: Money transfer, virtual currency, or money service

I was told on XX/XX/XXXX several times by multiple Representatives that I was going to retrieve my money and when I had called back the following week to see why my money had not posted I was told that they were not going to be able to refund my money and that they had that they had the XXXX is coming on me that they had refused my dispute from my account to another debit card that I did not have no access to or even knowledge of they also refuse to address the issue and stop the process from going after I reported it the same day as it transaction took place
Product: Checking or savings account

Citi Bank Cash Bonus issue for Opening Account This complaint is for the Citi Bank bonus offer for new checking account. Citi Bank claimed to offer XXXX XXXX  and XXXX bonus based on the deposit amount for the new account opening but has discriminatory terms for online account for which only give 20 days to fund the account but 30 days for customers open account in person.

My husband and I both opened Citi Priority account online and I called account opening team to make sure our accounts are in good standing and someone can be our banker/contact point, the number I called was XXXX, the account opening team ( option 1 ) confirmed with me {$700.00} bonus for deposit XXXX or more, and it was 30 days ( rather than 20 days ) to fund the account, as long as XXXX were all in before XX/XX/XXXX we would receive {$700.00} each. When the bonus is {$400.00} short I was so confused but informed by customer service team that Citi actually use 20 days to determine the deposit amount, and my fund was not XXXX yet on the 21st day, that's why the bonus is {$400.00} short. Because Citi discriminate online customers and use shorter period than branch customers, and people who answer phone calls didn't know this information, the mis-informed person told me the wrong date which costed me lost {$400.00} bonus and my husband lost total of {$700.00}. Both of us deposited over 100k into Citi for over 4 months and Citi didn't even apologize for the wrong information given but blamed us for not reading the terms and conditions. 

I tried to call several times, each time is more than 30 minutes wait, and customer service team hang up a few times without answer.