23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

I have a savings account with Citibank XXXX and also with Citibank XXXX. I needed to transfer money to that country and customer service chat agent in XXXX recommended me to do a Global Transfer. I followed his advice and instructions and on XXXX XXXX sent XXXX XXXX from my savings account in XXXX to my account in XXXX, however the operation could not be completed in XXXX and was rejected and reversed. The office in XXXX gave me notice of it and also the reference number XXXX as constancy that the global transfer and the XXXX XXXX were reversed back to the sender in XXXX ( myself ). 
Until here, this is a normal issue, however after 3 months Citibank XXXX has not given me my money back! I have called several times and communicate with different agents ( Global Transfer Specialist, Customer Service, Speed Unit etc ) and they say that they need to do an internal process to clarify what is happening. I have got XXXX reference numbers in Citibank XXXX that are XXXX and XXXX about that internal case. They told me the back office need to communicate with XXXX and solve something, and that it will be resolved in about a week, but almost 3 months have passed and my money is still missing, I keep calling and they keep saying that need to clarify and that I should call again on a week! I needed that money to pay a mortgage in XXXX and Im already running on high interest there. 
What is weird is that when I call XXXX in less than 10 minutes I have again the confirmation number showing that the Global Transfer was rejected and the money sent back to the sender, Citibank XXXX, so I don not understand why Citibnak XXXX is taking almost 3 months to give me my money back. 
In summary, I did an online global transfer from the Citibank webpage from my Citibank savings account in XXXX for XXXX XXXX, but the operation was rejected so the money should come back to my account in less than a week, nonetheless Citibank XXXX is taking months to give me my money back even tough I have the constancy of the money reversal. They do not provide me any reasonable answer, just that an internal case is open, and they refrain to answer when such case will be solved or what is happening. Please help me, XXXX XXXX is a lot to me.
Product: Credit card or prepaid card

The company, Comenity, has my credit card account which I thought had been closed by XXXX. They never informed me the account was active and they never sent me a new card. I only found out by checking my credit report and seeing the account was active. I tried to log in with my old account number and was denied access. I called the company and requested a new card so I could access my account. Then I found out it was through a different bank and there was a late fee of {$26.00}, no big deal. This was on XX/XX/XXXX. I explained to them the situation, they waived the fee and sent me a card. Great. 
When I recieved the card on XX/XX/XXXX I activated it, logged into my account and saw another late fee on XX/XX/XXXX. I paid the balance, not really caring about the fee, but wanting to make sure I didnt get a late payment on my credit report. I did. Not only did I recieve a fee for {$31.00}, I recieve another XXXX  days later for {$26.00} dollars and a hit on my credit report for a late payment. 
This happened before I even recieved the card and had access to make a payment. On top of that, they took my {$12000.00} credit limit and lowered it to {$750.00}! This is a sketchy company, they are not responsive and I think they are out to XXXX peoples credit. My score just dropped XXXX points because of this comany and I'm expecting it to drop even more by lowering my credit limit. I would like this late payment off my report. It is THEIR fault, not mine.
Product: Student loan

My son received a private loan from XXXX to go to college. My sister Co signed after I told her as long as she was responsible as a Co signer I would make sure payments were paid should my son default on payments. He never finished college and does n't bother paying his loan. I have been paying his loan for 7 years not to affect my sister 's credit. I asked them if I can take my sister off as a Co signer and they said no. For 7 years I have been paying a total amt of {$160.00} a month on the balance of XXXX combined loans equalling approximately {$14000.00} just for the balance to be approximately {$12000.00}. I paid almost {$8000.00}. This year I pay {$50.00} a month for 2 years. My son worked that out somehow. I make {$XXXX} a year. I CA N'T AFFORD THIS. If they would release my sister, my son would have no choice to pay. If not ... No income tax. Oh well. Should n't have shrugged his responsibility.
Product: Credit reporting or other personal consumer reports

I am requesting you again to dispute the accuracy of information contained in my Lexis Nexis consumer report. I recently obtained a copy of my report and discovered several items that I believe are inaccurate. I am requesting a thorough investigation into the following 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
Product: Money transfer, virtual currency, or money service

I requested a refund and couldnt get in contact with anyone for help, or assistance!
Product: Checking or savings account

On XX/XX/2024, a money order of {$830.00} was deposited into my account XXXX at JP MORGAN CHASE bank. My legal name is XXXX XXXX but I have always gone by the nickname XXXX  since birth. On numerous occasions, checks and money orders have been deposited into my multiple bank accounts with the name XXXX  written on it and the bank accepted them. On this specific occasion, they accepted the check, cleared it but then refuse to honor it. They put a hold not only on the check but on my whole account and restricted for XXXX  days. After the XXXX  days period, they decided to close my account with a full balance of {$5900.00} and issued XXXX XXXX XXXX checks, XXXX for {$2100.00} and XXXX XXXX for {$3800.00}. They mailed me the check for {$2100.00}, but are refusing to give me the issuing balance of {$3800.00} with the reasoning that I need to verify XXXX and XXXX are the same person. After numerous phone calls and visits to the branch, I was directed by a manager in the back office handling these issues to write an affidavit stating that I go by the nickname XXXX, have it signed and notarized and then my funds will be available once they receive the document. On XX/XX/2024, the affidavit was submitted, they confirmed the reception of the document but however still refuse to issue me my remaining balance because they said that an affidavit can't be accepted even though they provided that solution first. I need help from the Consumer Financial Protection Bureau to retrieve my {$3800.00} because I rely need these funds in these difficult times. My phone number is XXXX, email address is XXXX and I can be reached at anytime. Please help me against this forfeiture.
Product: Credit reporting or other personal consumer reports

After requesting this account to be investigated for a third time its still inaccurate and incomplete. I am no longer requesting another investigation demanding a DELETION immediately. Adatonally, the FCRA mandates that credit reporting agencies maintain accurate '' information ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge off each month creates an inaccurate and misteading credit repon, which negatively impacts my credit score Moreover, the statute of limitations for reporting a charge off is seven years from the date of the first delinquency leading to the charge off ( 15 U.S.C. 1681c ( XXXX ) ). Reporting this Charge off multiple times does not extend this statute and is therefore improper.

Fair Credit Reporting Act, specifically under 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681 ( a ) ( 5 ), and 15 USC 1681s-2. This demand for deletion stems from your failure to accurately report my consumer credit information following a previous notice of these discrepancies. Please be aware that automated responses or XXXX verifications are unacceptable for addressing this matter. Given the clear and repeated violations of the FCRA, I am not requesting a reinvestigation but rather the immediate deletion of this account from my credit file. I expect you to comply with this request swiftly and to confirm in writing the deletion of these entries. I appreciate your immediate attention to this urgent matter and expect a response within in 15-days. 


I request that you promptly DELETE this account IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Affirm INC Account ( s ) # XXXX, XXXX, XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Vehicle loan or lease

Hi my name is XXXX XXXX XXXX XXXX XXXXXXXX I have went in on XXXX XXXX XXXX to purchase a XXXX XXXX in XXXX toyota in XXXX XXXX XXXX XXXX. in which I put down a {$1000.00} payment for a XXXX car it was a lease at the time because it was what we could do between my mother and I a year later she advise me to finance with my then partner because we could use the car for financial gain and it will be a great investment so we went ahead and put in the paperwork and we finance they ended up putting the registration of the car solely on partner name who was there to support me financially to be able to finance the car but they left me out of the title which has been a nightmare to be able to register the car because they need to release the title to the DMV We have not been able to being that he has issues w his license. both my them partner and I have went to the DMV countless of times wasting gas risking getting arrested driving this car there to be able to try and resolve this problem and Toyota has done nothing but continue to want to collect payments from my partner. We've been holding our end of the contract and on the XXXX Time that I went to the DMV they tell me that this car is not financed it's lease I am extremely upset because I lost my job due to the pandemic and this car was supposed to be something that I can use for XXXX to be able to pay my credit cards and keep afloat and pay the car we have not been able to successfully keep paying this car on time which has done damage to my credit and my partner 's credit it also has become a nightmare because I have not been able to find a job in these hard times and inflation hasn't helped much because we had had to put the car payment on the back burner to be able to keep our family of XXXX afloat I am thoroughly disgusted with the treatment that I've been getting I have a bunch of products on my payment that I don't use, the car is showing me signals of electrical issues and we have been threatened by the state police that they're going to tow the car back to the dealership on top of that it has cost XXXX XXXX  and stress dealing with Toyota we can't refinance we can't get out of the loan and now we realized that I just paid {$24000.00} on a car that we can't see a benefit from we need help we need to make sense out of this we want our money back I want them to fix whatever is wrong on our credit because they ran out credit four times for whatever reason on top of late payments because of not being able to make the payments. We will not be paying any taxes on that car at the DMV we want them solely responsible for the nightmare these people have been a nightmare
Product: Credit card or prepaid card

To who it may concern, I am requesting that 13 late payments for the account ending in XXXX be deleted from my credit report ASAP. I communicated with Capital One regarding my unemployment status between XXXX. Capital one refused to work with me during my hardship and now my credit has negatively been impacted. Upon gainful employment, I paid my account off in full, however Capital one is refusing to delete the late payments. 

The law states that at no point should there be a late payment reporting to my consumer report & should not include any transactions or experiences between me the consumer and any person making a report. I never gave any consent for these alleged transactions. 

These are clear violations of my consumer rights under 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b/ Please reverse these late payments from my consumer report and update this account as soon as possible. 

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

On XX/XX/XXXX I filed a dispute with XXXX regarding a late payment that was reported by XXXX. On XX/XX/XXXX I received an email confirmation that my dispute # XXXX had been closed. The compliant follows as both Equifax and XXXX failed to correct their error. 

On XX/XX/XXXX I filed a complaint with CFPB regarding XXXX 's credit of my mortgage account ( reporting case number XXXX and CFPB reference number XXXX ). In a letter submitted by XXXX to the CFPB on XX/XX/XXXX, XXXX clearly states " Moreover, our records do not indicate that we have reported the loan negatively. '' ( see attached letter ) It is clear in my Equifax report that I was reported 30 days late in XX/XX/XXXX. This is a fraudulent statement as I have attached my payment history indicating that my payment was received and credited on XX/XX/XXXX. How XXXX XXXX chose to apply those funds is irrelevant. My full payment was made by the due date as indicated on my statement. My payment was not late nor has it ever.
Product: Payday loan, title loan, or personal loan

I have tried numerous times to apply for a line of credit i keep sending all the required documents and i keep getting denied it says unable to verify my identity i checked with all credit bureaus and my information is current in there systems. Netcredit could not give me a clear answer as to what identity they could not verify.
Product: Mortgage

To start back in XXXX when the housing market crashed I asked for assistance to help keep my home. The company did help by lowering the monthly payment, but what they didnt do is explain to me what they were doing at that time. I tried to pull money out of my home come to find out I have no money because when they adjusted the payment they failed to tell me that they did a forbearance for the remaining part of money owed on home. Ive been paying my mortgage faithfully since then until recently. In reality Ive just been renting in another 10 years I will still owe the majority left on my house which means Im starting all over again 30 yrs. I Currently I fell behind I went on a repayment plan in XX/XX/XXXX thru XX/XX/XXXX XXXX mos paid exactly what they asked to bring account current. I received a letter saying I was in default I still owed for XX/XX/XXXX, we were in XXXX which at that time I thought I was making my XXXX payment since I thought I was caught up. I called the company and all they could do I say theyre sorry I then had to pay half of XXXX and now still behind for XX/XX/XXXX. Im not 30 days late but yet again I received another letter threatening if I dont make a payment they will start foreclosure. I spoke with a agent who then listened to my story reviewed account and said she would forward this to a supervisor and should hear something. I havent heard nothing. They did an injustice, they set me up to be right back in the same position I was in back in XXXX. I was mislead, wasnt informed correctly, and being mistreated as a customer. Ive been in my home since XXXX and cant believe I have to start this process all over again.
Product: Mortgage

We recently closed on a $ XXXX HELOC with Bank of America in XX/XX/2020. Our credit terms include the promotional introductory discounted interest rate prime minus 1.51 %. We drew some funds from this line on XX/XX/XXXX {$98000.00} and {$2500.00} and XX/XX/XXXX {$50000.00}. The first billing cycle statement XX/XX/2020-XX/XX/2020 had the wrong interest rate and minimum payment terms -did not align with our loan document terms. We brought it to their attention via the online messaging center as well as via phone to the loan representative who sold us the line of credit. That is also after getting bounced around then was disconnected on their " help '' line. During that time we were advised to pay that higher " incorrect '' minimum amount and that later when they get to it, will make it right. There was plenty of back and forth of days after that it will get corrected and we have texts and phone records to show. Several weeks later via phone conversation and many hours wasted by both myself, and XXXX ( internally ) they verbally fixed it and the next statement will reflect the correct finance terms. I told them to apply the excess in that payment to the principal. The latest statement XX/XX/2020-XX/XX/2020 shows the wrong rate again and a higher minimum balance due. Backing into the math, it is nothing representative of the prime minus 1.51 %. On XX/XX/XXXX, I reached out to XXXX and told him it still hasn't been fixed by their HELOC department. I never heard back from him. On XX/XX/XXXX I submitted another inquiry to the online messaging center. I am forced to wait up to 5 days again to get any response. I also informed XXXX on XX/XX/XXXX via text that we have run out of patience and will be filing a complaint to the CFPB. XXXX seems to be trying from his end but internally runs into the same barriers as we do. 
We have experienced great HELOC relationships with other banks in the past, but this time around at BofA we have been treated so poorly.
Product: Checking or savings account

I have communicated to Capital One that my checking account has been charged by XXXX XXXX XXXX fraudulently and they are failing to investigate this thoroughly claiming that there is a 90 day window that has surpassed. There is potentially a felony that has been committed here, and I have expressed this to my bank and they still remain their position that theres nothing that they can do because 90 days have surpassed.
Product: Debt collection

I have suddenly had a collection item from Paramount Recovery Systems appear on my credit report stating I owe a balance from an emergency room visit over 5 years ago. I have never received anything from this collection agency and this charge was disputed directly with the original company 5 years ago because it was not billed correctly through my insurance. The date of the visit was XX/XX/15, and I went to the ER after slipping on ice after winter weather because of concerns I may have XXXX XXXX XXXX. My insurance, the same policy I have had for 10 years, covers all emergency room visits resulting from an accident at 100 % with no copay or deductible. Since my visit was due to an accident, had it been billed correctly to my insurance, I should have owed not even a single XXXX. I received a bill from XXXX XXXX XXXX XXXX for {$350.00} resulting from the visit. I disputed this directly upon receiving the bill and never received ANY response and never heard anything or had this show up on my credit until suddenly receiving notification of this erroneous balance with a collection agency on my credit report more than 5 years after that ER visit. I have disputed this with the collections agency, Paramount Recovery Systems, and the only response is that this is a valid debt. However, it is invalid because the original billing done by XXXX   XXXX XXXX XXXX was not sent to my insurance company with correct information. After looking into XXXX   XXXX XXXX, it became clear that they have an obvious pattern of fraudulent billing practices due to dozens of complaints over the exact same scenario of insurance companies not being sent accurate billing information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed that after I dispute some information the Credit Reporting Agency ( XXXX, XXXX, Experian ) like to leave comments on each account. 

I have asked them in multiple letters to remove ALL comments from each account, especially the words, Dispute Resolved - Consumer Disagrees or Consumer disputes after resolution and Comments that include the payment history??? Why is this even necessary, these comments are intentional AND detrimental to me personally, financially, and to me advancing my career. 


I have NEVER asked that these statements be made on my behalf. These statements/comments should be erased immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 's 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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

In XXXX XXXX  Wells Fargo froze my accounts for several weeks causing me financial hardship. I had to hire an attorney to get my accounts unfrozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I found that some of the data were unreliable. The three credit bureaus are required to verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is forbidden to treat these reporting items ' unconfirmed information as fact without supplying evidence within the legally required amount of time. I need the following incorrect information in my credit report looked at and updated immediately : 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 XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Please be advised this is my THIRD WRITTEN REQUEST asking to remove the account listed below that remain on my credit report in violation of 15 U.S.C. ss 1681. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. You have ignored my request to provide me with the documents that you have in your files that you used to validate the disputed account which means that you have NOT validated or you can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE information which you can not validate or verify. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Better Business Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. Also per the State of Florida Office of Financial Regulatory you must be licensed and bonded in the state of Florida to collect.