23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Against - Citibank/Credit card online service Details - From last 8+ years, I am regular citi credit card customer. Few years ago, I opened Citi bank account and while registering bank account online, I was asked to create new online account to add Citibank account to my existing profile. it was n't easy process as simply adding to my existing citi credit cards online account. While doing that, I lost access to the existing account and they asked me to register new account and add bank and credit card info there, which I did. Few months ago, I closed my citibank account but 2-3 weeks ago, my online access to the citi.com was stopped as it asked me to enter some banking information which considering I have closed bank account for a while I could n't provide, so I called their customer service. Again, they provided only resolution to solve this is by closing that online access, create/register another account with new loginID and register my accounts again. I simply asked to see if they can raise issue with their IT department to solve this as I have not seen similar problem with other banking companies, which CITI representative told me that they ca n't do that, and re-registering account with newer ID is the only resolution. So I simply asked them to provide this in writing that " citi ca n't solve this problem at this stage and only way to resolve this is by creating new account '', but again they refused to provide me anything in writing either. I spoke 2 level in their management chain and got the same response. I really do n't know who to complain or write about this. I only want Citi to stand behind their words but seems like they are unwilling to do so.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


EXPERIAN 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 has violated my rights. 

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 has violated my rights. 

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 has violated my rights. 


I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Mortgage

I have contacted Rushmore Loan Management for approximately two years now, in writing, via phone and email. I have filed a XXXX   complaint. 

While they are polite and keep responding to me in kind, they have not addressed the issue. 

There is an amount showing on my monthly bill as " short interest '' in the amount of {$7800.00}. I have requested that they detail how this amount was derived - yet they keep sending me some arbitrary documents ( for example, the loan documents I signed, and some financial pages of transactions - none of which correlate or add up to a short interest amount of {$7800.00}. ) They have written to me again, denying my request to remove this amount from my billing statement, indicating they have " providing the payment history for the life of the loan '' - however - none of the documents they have provided show me specifically when and how I accrued a short interest amount due of {$7800.00}. 

I am very worried and frustrated, and seriously do not know what to do or where to turn. Please help me resolve this matter!
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I attempted an ACH transfer of {$4200.00} from my bank account to my Coinbase Pro online wallet. The money was taken out of my bank account, but it is still in a Pending Deposit status and was never deposited into my Coinbase Pro online wallet. I have had many other smaller ACH transfers deposited into my online wallet just fine, but this one has been over 5 weeks now and I still do not know where my money is!

After waiting a few days, I did open up a ticket with Coinbase Support, but still do not have a resolution and am still out this {$4200.00}! I did get a response from Coinbase Support a few weeks ago, but it appeared to be an automatic/ robotic reply and not an individualized or from a person, and plus the answer was something about me needing to owe or deposit even more more money to resolve the problem. What?!?!?!

I can provide my Coinbase Support case # if requested. Notably, I can actually see the deposit in my online wallet account under USD in a Pending Deposit status, but can not access or use the money and I am contemplating legal action. I am attaching a screenshot of my online wallet ( does not contain any identifying information ) that shows this one still in a Pending status. 
Please help as I am getting very frustrated! I also have the ACH transaction number from my bank and can provide that if needed. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion file # XXXX On XX/XX/XXXX i sent my first request for investigation letter it was delivered XX/XX/XXXX. Transunion then responded that the accounts were verified. I then responded XX/XX/XXXX requesting for Transunion method of verification. Transunion then responded again that the accounts were verified without providing me with their method of verification. I sent another letter XX/XX/XXXX after receiving from Transunion again that the accounts showing them that the accounts were not properly verified due to all the inaccuracies. Transunion again sent a letter saying that it is still verified with no changes and still not provided their method of verification. I sent another letter disputing these error again showing how it is inaccurate XX/XX/XXXX.
Product: Checking or savings account

Cash funds were immediately withdrawn ( XX/XX/2022 ) for a future stay with the XXXX XXXX ( XXXX XXXX XXXX ) via my Bank of America debit card in the amount of {$1500.00}. 

I cancelled the stay on XX/XX/2022 and received two notifications of cancellation and 100 % refund. Yet the cash funds would not be returned to my Bank of America for 14-days despite the unambiguous refund.

I called and wrote to Bank of America to request a provisional credit of the {$1500.00} in cash funds taken from my account and being used as " corporate float. '' The Bank of America said, " they were unable as per FDIC Reg E, and that a company may need time to reconcile IRS, accounting, or other issues, though typically 5-7 days. '' I disagreed. 

This sounded to me like banks, regulators or regulations, and companies were still operating in the pre-digital, pre-computer era of paper check processing. 

The company did not provide a refund conditioned upon vague IRS or accounting issues. They gave me an explicit, unambiguous credit - but then applied such to a 2-week future date for reasons unstated but also transparent ( i.e., FLOAT ).

I request the Bank of America, the FDIC, the CFPB, and all corporate entities acknowledge that the digital era exists in 2022, so outdated regulatory timeframes for reconciling payments must be updated accordingly. 

To the extent there are valid time lags in the digital era, the Bank of America and other Banks should accept that FLOAT expense over customers, as they would then have an incentive to minimize such- which they don't have presently. 

Thank you.
Product: Debt collection

In accordance with the fair Credit Reporting act XXXX XXXX XXXX {$1900.00} XX/XX/2022 XXXX U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : IT also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXX and XXXX are reporting an XXXX  XXXX  to my report that is against fcra law. I was never given the option to opt out, never given charge off form 1099 and also have no contract with these people. This is a violation of 15 usc 1681i and 15 usc 1681s2b along with several other violations of 15 usc 6802 and 15 usc 1692g, 15 usc 1692e and 15 usc 1692f. If this illegal disclosure of fraudulent information is not removed legal action is imminent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( names, accounts or inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$94.00} ; XXXX XXXX XXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$94.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX  Balance Owed : {$540.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$94.00} ; XXXX XXXX XXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX  Balance Owed : 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: Credit card

Truist bank reached out to me and stated that they are closing my account for lack of payment. They shut off my card 6 months ago due to alleged fraud, but every time I tried to call them I was left on hold for hours. 
I received a call from them today stating that they are closing my account and that I need to pay off the entire amount due on my account due to lack of payment. I have records that I have paid my account minimum balance every month before the due date of the XXXX. 
Payment of XXXX made on XX/XX/year>. Payment of XXXX made on XX/XX/year> and payment of XXXX made on XX/XX/year>.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I had requested to withdraw all of my investments from Gemini, totaling approximately {$48000.00}. Their advertised XXXX for processing is 5 days. As of today the withdrawal has still not been processed. Upon contacting their support team I was informed that all withdrawals from the Gemini XXXX platform have been suspended indefinitely and they could not provide any additional information.
Product: Debt collection

Identity Theft and notified XXXX Credit Card XXXX including letter, FTC Affadavits, and police reports. Notified again XXXX and both no responses. XXXX XXXX Credit Card turned over my account to LTD XXXX which was illegal as this was the result of Identity Theft and XXXX credit card had blatantly ignored the correspondence I sent in twice as they did not respond. I notified LTD XXXX on XXXX, XXXX, and XXXX this account was the result of Identity Theft and needs to be removed from my profile and uncollectable as notified XXXXseveral times without a response. 

In XX/XX/XXXX shortly after my mother unexpectedly passed away, I fell victim to identity theft, where my Social Security number was found, linked to another ( fictitious ) name and address in XXXX XXXX. A significant amount of my financial accounts were compromised, including my existing accounts, as well as new accounts, opened using my information. They were able to get complete total access to my entire XXXX and were able to clone the phone giving them access to do everything I would be able to do. They even made payments from my financial apps where my checking accounts were held to the credit cards so that they could keep charging on the credit cards so I would maybe not notice as quickly they even made thoughts payments to five of my accounts from three of my bank accounts checking, savings, and one of my business accounts. I was confused as to how my accounts and information continued to be accessed even after fraud alerts and reset all passwords and security info, but since they had access to my XXXX and my XXXX ( previous phone ), they were able to see whenever I changed any passwords, and what they were changed to and every action performed using my XXXX and able to access all information on it for months until XXXX finally was able to find the issue of my phone being so slow and shutting down which was due to infiltration to my kernel OS system on my device, according to XXXX. I had to purchase a new phone once this was uncovered. 

I have included these documents as XXXX Credit Card and LTD XXXX need to immediately remove from my credit reports and release any and all financial liability for this account. Please send a letter confirming these changes and corrections to my address on file.
Product: Vehicle loan or lease

Chase Auto / JPMCB has put a late pay on my credit report this is not accurate and this is costing me severely limit opportunities, such as starting my business and buying a home. On XX/XX/2022 after I finance a car with Chase Auto, while I had a agent of Chase on the phone walking me thru the steps to start my online account we found a account open in my name that I did not open it was open as a fraud account and the account Number Chase gave me. Instead of Chase changing the account number from a fraud account they kept me assign to this account number. Now on my credit report Chase have a late pay in XXXX which is not right I sent in my Payment on time Chase fraud dept did not unlock my account and unlock my account until XX/XX/2022 which made my payment late I called Chase and follow their steps on dispute this matter and I disputed on XXXX. Chase dept sent back it was accurate.. I deserve and should expect honest and accurate information about my credit which are central to my financial life
Product: Mortgage

Wells Fargo Mortgage continues to charge Mortgage insurance at a higher rate and after 5 years and after I paid over 78 % loan to value ratio. My loan number is XXXX and FHA case number is XXXX. In addition, the premium I was charge was a higher loan balance but since I prepaid, the premium should have been lowered.
Product: Student loan

XX/XX/XXXX -- I mailed in my PSLF form to the proper agency as was instructed on the PSLF form. 
XX/XX/XXXX -- had not heard anything and had been over 60 days therefore I called MOHELA as instructed and was on hold for 40 minutes. I spoke to a representative ( I believe her name was XXXX  ) who stated that it had not been processed because the person reviewing it said they " couldn't read '' my employer 's writing. During that phone call in real time, XXXX told me that she could read it clearly and would put it through for processing because she didn't see the problem in the way the dates were written by my employer. 
XX/XX/XXXX -- I applied for loan consolidation for my direct loans to take advantage of the PSLF limited waiver ( to be received by XX/XX/XXXX which it should have been ). Got form from XXXX stating they got my consolidation application. Direct loans of $ XXXX dollars were consolidated. 
XX/XX/XXXX -- - called as still hadn't received any information about my PSLF form, therefore I called MOHELA, was on hold for XXXX hours and they said they were unable to find my application which was ALREADY CONFIRMED TO HAVE BEEN RECEIVED ON XX/XX/XXXX. 
XX/XX/XXXX -- I put together a new PSLF form from my employer and re-sent it in ( faxed to number that representative told me ( XXXX ), fax number XXXX for which I got a confirmation email stating it was sent through. 
XX/XX/XXXX -- called MOHELA regarding status of PSLF form, was on hold, tried to press any option and it put me on an endless loop of prompts that kept repeating themselves which truly made it IMPOSSIBLE for me to get through to a representative.I have been trying since XXXX for this to happen and people keep losing my applications or won't allow me to even get the help I need. 

# called for MOHELA EACH TIME -- XXXX
Product: Debt collection

Creditor texting and calling, asking me to pay for a debt originally owed to XXXX XXXX XXXX. Account was included in my bankruptcy that is still active. They are breaking the automatic stay that is currently in affect.
Product: Credit reporting or other personal consumer reports

Not getting any response from credit companies about the challenges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681XXXX, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, my Fico credit score decreased due to inaccurate information. American Express has incorrect balance on my credit report and fails to report my updated correct balances to the credit bureau.
Product: Payday loan, title loan, or personal loan

A loan was taken in the amount of {$3500.00} from a national payday loan company on or around XXXX with XXXX payments of {$380.00} and XXXX payment of {$380.00}. The payments have been taken out of the bank account automatically on the day the social security money hit the account which is every XXXX day of the month. The first payment was made on XXXX. XXXX payments have been made in the amount of {$380.00} through XX/XX/2022 totaling an amount of {$12000.00}. At the time of signing, the payday lender requested blind signatures on an electronic pad and did not offer copies of the 18-page contract that was signed. The debtor was XXXX  years of age when the contract was executed. A request was made to receive a copy of the original contract and it was provided on XX/XX/2022 in XXXX which is the debtor 's primary language. On XX/XX/2022 the bank was contacted to do a stop payment on the XX/XX/2022 payment. The reason why is that the debtor is currently XXXX and lives on social security and a small pension of {$570.00} and can no longer afford to continue to make these payments. Debtor feels that the payday lender took advantage of him. The payday lender was contacted on XXXX and XXXX. A supervisor made an offer in the amount of {$1200.00} to settle this account. This offer was rejected by the debtor. Debtor is applying to low-income housing facilitites and can not afford to have his credit ruined by a loan that was purposely made to defraud and to committ elderly abuse. The APR is set at 131.915 %, a number that was purposely concealed from the debtor by not providing copies of the 18-page loan document. Debtor has attempted to negotiate with payday lender but not amicable settlement has been reached. Debtor feels that paying interest is ok for borrowing money but not at the rate of 131.915 %.
Product: Debt collection

I was the victim of identify theft in XXXXXXXX XXXX XXXX. Among the institutions at which this identity theft took place was XXXX XXXXXXXX XXXX Some fraudulent debt was accrued by the criminal who stole my identity. After extensive back and forth, at greater personal expense of my time ( which impacts numerous people, as I am a surgeon who needs to serve patients ), the fraudulent debt was expunged and it was removed from my credit record. HOWEVER, on XX/XX/XXXX I received a call from Midland Credit Management ( XXXX ), at XXXXXXXX XXXX (!!! ) from a man named XXXX XXXX ( extension XXXX ), who was a debt collector, seeking payment for a debt originally held by XXXX XXXXXXXX XXXX XXXX 

This is unacceptable harassment. This is unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint involves Transunion. I want to place a freeze on my credit. I was able to do that by phone for my husband. Next, I tried to place a freeze on my own credit and the recording stated I had to speak to an agent. This was on XXXX. The line was busy. I tried 4 more times and the line was busy. I tried to call them directly and no one ever came on the phone. On XXXX I tried again to put a freeze on my credit with Transunion by phone. Again the recording sent me over to a phone line that was busy. So, then I went online and wanted to place a freeze. The website would NOT let me do that. Instead it wanted me to buy True Identity which is a product. I DO NOT want it. I want to be in control of my credit. Please help me with this. I have not been able to speak with one human being, except a nice lady with Consumer Finance. This must stop! These credit people are taking advantage of all of us, especially at a time when we are informed, months after it happened, a breach had happened. Please reconsider the power these groups have been given!!!