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

1. Citibank granted me Covid Defferal for 3 months however Citibank neglected to process the third month and put my account into a past due status. it wasnt until many calls later this had been discoverd. 
2. Egregious customer care 3. Inconsistant employee knowledge of CitiBanks protocals 4. Being told making a partial payment would keep my account from being past due however doing this put my account past due for two consecutive months when indeed it was not 5. Not being able to correct my account in a timely manor ... being told over and over it would take 7-10 business days to correct 6. My account being thrown into collections when it shouldnt have been 7. Being charged late fees in error and not being able to reverse in a timely manor 8. Damaging my almost perfect credit report ... falsely reporting three late payments ... FICO down to XXXX from almost a perfect score ... Citibank is the only bank to report late payments during covid 9. Being told Citibank wasnt responsible for correcting my credit report 10. Being denied credit with other banks due to Citibanks errors ( first time ever in my life ) 11. Sky high interest rate for an auto loan I was eventually given 12. Not being able to speak to the department responsible for correcting my account. THIS SHOULD BE ILLEGAL!!!!

13.. Having been told numerous times there wasnt anything representatives could do about the errors ... .WHAT?

14. Time wasted during lengthly phone calls, chatting online, writing and faxing a letter to an address I was given with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be updated quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; SYNCHRONY BANK is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. SYNCHRONY BANK is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : SYNCHRONY BANK XX/XX/19. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately. SYNCHRONY BANK is also in violation of 15 USC 1681c-2 as these hard inquiries were the result of identity theft - see Exhibit B.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 XXXX 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: Money transfers

Made a domestic wire transfer from Citibank to XXXX XXXX XXXX Bank on XXXX/XXXX/2014 ( Citibank reference number XXXX ). Shortly thereafter it was discovered that the beneficiary 's account no. was incorrect. Several requests were made via Citibank to XXXX XXXX to return the funds but to date XXXX XXXX has refused to return the funds despite Citibank 's repeated recall requests ( Citibank wire case XXXX ). To date ( XXXX months later ) funds have not been returned.
Product: Debt collection

On XX/XX/2023 at XXXXXXXX XXXX I received a bill collectors call from Global Lending looking for XXXX XXXX. This is not the first time I have received phone calls or voicemails from this company for XXXX.I am not XXXX XXXX. Im not responsible for her debt. The number they are calling me from is XXXX. They keep leaving voicemails and Im personally fed up. I asked them several times to put my name on the do not call list. I feel the company is harassing me for someone elses poor credit decisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

XXXX XXXX  XXXX {$120.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1100.00} US DEP ED XXXX {$7700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a credit inquiry for CAPITAL ONE was placed within my XXXX, XXXX, and XXXX credit report. I contact the three bureaus to get them removed however they refused and told me I had to contact the company. So that's what I did. 

I called Capital One multiple times to get these resolved. After a few weeks they finally sent me a letter saying they advised the three bureaus to remove the inquiry from my report. However, the inquiry remained. I then contacted all three bureaus and sent them a copy of the letter ( attached ) sent to me from Capital One. The inquiry was removed from XXXX and XXXX, but XXXX still won't budge. 

Now, the Capital One inquiry was reinserted to all three reports dated XX/XX/XXXX. I now have TWO unauthorized inquiries ( XX/XX/XXXX & XX/XX/XXXX ) on my XXXX report, and one unauthorized inquiry on XXXX  and XXXX ( XX/XX/XXXX ) - all from Capital One. 

I have NEVER held nor applied for an account with Capital One.
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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's 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 items of information, other than records of conviction of crimes which antedates the report by more then 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: Money transfer, virtual currency, or money service

I signed into my Coinbase account ( coinbase.com ) Once logged in my personal account information appeared, then immediately replaced with a message on the main screen stating my account had been locked due to suspicious activity, and required to contact Coinbase support to authenticate so my account could be unlocked. 
Given the first screen that came up actually showed my account, I had no reason not to think this was not coming from Coinbase. 
Within minutes I realized my funds were gone and I immediately contacted Coinbase again, which informed me there was nothing they could do to either stop this transaction or transfer these funds back ; all they could do was lock my account to avoid any further transactions. 
They have taken zero responsibility for their website being hacked and I have lost {$9800.00} and just told me to contact the authorities. 

I received a transaction confirmation from Coinbase for transfer of funds to the crypto address which I found to be located in XXXX, XXXX. 
I copied for reference the transaction number and crypto address along with IP address and phone number from person/people who hacked into Coinbase website.
Product: Mortgage

we have a construction loan since we bought the house and the land in XX/XX/XXXX first with XXXX XXXX 's Federal Savings bank in XXXX XXXX Maryland we got behind in payments after lost Job in XX/XX/XXXX and XXXX XXXX 's XXXX XXXX XXXX refinanced us to a lower interest rate to lower payments and then the other spouse lost her job in XXXX and our payments of XXXX was replaced back into our loan to catch us up but after the bank sold our loan to Gregory Funding who we think are a group of investors-that took the loan over added back the XXXX plus all the added arrears on to the loan. My husband is working full time as an XXXX and we have extra income due to my father who is a vet living with us we are now able to afford our home but after mediation with Gregory Funding they are demanding we pay the XXXX plus an extra XXXX including the mortgage payment of XXXX or they will foreclose on our home that mediation was done on XX/XX/XXXX they said they will contact us in 30 days for a final option from us it 's now XX/XX/XXXX and we are getting nervous cause we have not heard from them and we do n't want to lose our home Gregory Funding only has a XXXX XXXX XXXX XXXX XXXX we do not have XXXX in funds to catch this loan up and what they are asking from us is not workable to help us stay in our home something seems very suspect with these investors.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has my fathers credit card on my credit report. My fathers XXXX credit card is listed. We share the exact same name but hes XXXX and Im XXXX. His XXXX credit card was opened back in XX/XX/XXXX. The only credit card that belongs to me in the XXXX XXXX credit card that was opened in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has recently placed a negative account on all 3 of my credit reports with XXXX, XXXX, and XXXX on XX/XX/XXXX. I do not have a contract with this agency, nor am I responsible for this debt. The company has not validated this debt, they have only sent an itemized bill without my signature on it. The account number is : XXXX in the amount of {$230.00}. The original creditor is XXXX. In XXXX, this debt was showing on my credit with Amsher Collection agency, which in turn sold this account to XXXX or XXXX XXXX XXXX XXXX. Once I disputed this debt and negative account with Amsher in XX/XX/XXXX, Amsher Collection immediately took this debt off of my credit report and did not want anything to do with me disputing this inaccurate information. On XX/XX/XXXX I was told by Amsher that this would be deleted off of my credit and that they had sent letters to all 3 Bureaus. The debt was taken off of my credit. Now, fast forward to XX/XX/XXXX, this same debt re-appears on my credit without my knowledge, and with a different collection agency called XXXX. This is unfair debt collection practices. I want this inaccurate, no contract, not liable, negative debt and account removed from all 3 credit bureaus.
Product: Credit card or prepaid card

I got declined on a purchase using the XXXX  comenity card on XX/XX/19. Tried calling the customer service account protection ( XXXX ). The representative who answered were asking all sorts of questions which i answered to the best of my knowledge. it came to a point where they were collecting lot of information that i started o doubt if it is legitimate call center. I asked to speak to the supervisor, to whom i spoke ( XXXX ). i said it is not fair that you need more information than the once you needed, and asked him how many questions i need to get answered to get the card unblocked. He replied he makes the rules and either answer or it will remain blocked. I declined to answer any more security questions that was asked. He hung up the phone. 
Here is the lsit of questions that were asked and answered. 

Name Card number my age last 4 of SSN address last purchase made at XXXX? 
amount? 
last balance i paid on the account my credit limit ( i wasn't sure about this but i said i can look it up ) if i had a XXXX  what model and year my drivers license issued which county, date of expiriy on drivers license. 

after having answered all this, the representative and supervisor XXXX still determined it was not sufficient. I told them i am not convenient answering these questions anymore, with all the scam phone calls happening now. 
I believe I have a legitimate complaint, that this is sufficient data to get the card unblocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters in XXXX, XX/XX/XXXX XXXX XXXX asking them to verify these bankruptcy accounts, they have sent letters saying the bankruptcies were verified by XXXX XXXX which is false because XXXX XXXX do not have these bankruptcies list on my report. I provided letters from XXXX stating these were removed in XXXX of XXXX because they could not verify that these belonged to me. XXXX, XXXX and Equifax are continuing to report false information on my report which is hindering me from buying a home and getting the credit I need to better my life. I have sent in letter from the courthouse several times stating the information is indeed not being verified by them.. A rep from XXXX even told me I need a lawyer to sign the letter from the courthouse! XXXX have disputed the information in my behalf from the credit bureaus telling them they are not reporting this information but yet all the CBA are falling saying XXXX are verifying these accounts. Ive called several times and asked them to remove them from my report and the lie and say they are being verified, even after they see the letters I sent! I want these bankruptcies removed from my credit report.
Product: Credit card

Hello, I had a credit builder credit card with Chime Financial Inc. 

I closed this card on XX/XX/2023, yet the card/account is still open based on my most recent credit report. 

You can see this reflected in the XXXX  credit report attached on page XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX actions contravene the Federal Trade Commission Laws. The company has denied my dispute request for an account I have no knowledge of.
Product: Debt collection

This account was included in my affidavit mailed to the Credit Reporting Agency as well as the debt collector. Trident has refused to respond to my request and continues to report identity theft information to XXXX. XXXX reported that an investigation has been done as well and continues to report this information as fact.
Product: Checking or savings account

My account got blocked without notice or warning, so I decided to call them American express but the representatives kept on telling me my account couldn't be found they said my social security number isn't on their database, and it's annoying. 
it's been up to a month and I haven't gotten a reply from them
Product: Money transfer, virtual currency, or money service

I have several dates that is difficult to list also have and had different accounts I use Zelle for. Several transactions occurred also.
Product: Vehicle loan or lease

On XXXX XXXX America Honda Finance pulled my credit without my official written consent and Denied my credit because of my XXXX   XXXX. 
I didn't authorize them to pulled my credit. 
Honda Finance violated my XXXX XXXX XXXX XXXX XXXXt under Department of Justice and didn't have a option or XXXX  in regards purchasing a vehicle, that's affordable under {$300.00} @ month. 
Honda dealer was trying to put me a vehicle that cost {$21000.00} in which l can not afford. 
XXXX XXXX dealership in XXXX, California also pulled my credit without my consent. 
If XXXX  XXXX of XXXX California and America Honda Finance doesn't have my written official signature is not valid. 
My credit scores was over 600 's and now because the hard pulls inquiries, my XXXX, XXXX, XXXX  scores are suffering and it went down to XXXX. 

I am respectfully XXXX XXXX and Retired. 

Auto application reference # XXXX for XXXX XXXX. 
Credit was pulled by XXXX  XXXX of XXXX, California and American Honda Finance on Saturday. XXXX XXXX. 
I wasn't at XXXX XXXX XXXX in XXXX, California when my credit was pulled. 

Information for XXXX/XXXX  XXXX dealership auto dealers, new XXXX XXXX  XXXX  XXXX, California XXXX XXXX Sales Manager of XXXX XXXX pulled my credit report on Saturday. XXXX XXXX around XXXX XXXX. 
Why pull my credit report twice? 
So my information can be shared by both parties. 

American Honda Finance Auto Financing Companies XXXX XXXX XXXX XXXX, California. XXXX XXXX XXXX fax. 
Mr.XXXX  XXXX pulled my credit and he never called me to ask me for my consent to pull my credit and he denied my opportunity to purchase a vehicle at XXXX XXXX dealership in XXXX, California without a downpayment. 
Denial because of my XXXX XXXX. 

I am respectfully XXXX Lifetime and Retired and a XXXX XXXX XXXX Military Veteran.
Product: Vehicle loan or lease

I purchased a used car from a dealership on XX/XX/XXXX. They financed me through Wells Fargo with high interest rate ( 13.99 % ). My credit score was good, in the XXXX. Dealer talked me into buying gap insurance ( {$800.00} ). I felt pressured and gave into the deal. Few weeks after I realized that I dont need no gap insurance. I went back to the dealership on XX/XX/XXXX to cancel the gap insurance. According to the dealership, they had sent a refund check to Wells Fargo in the amount $ 700+. Weeks have gone by with no noticed or anything from Wells Fargo. So, I called Wells Fargo on XX/XX/XXXX to check on the status of the gap insurance cancellation. They told me that my gap insurance is still active. I called the dealership where I purchased the car and told them what was going on. They emailed me a copy of the amount they sent to Wells Fargo. So, I waited for a few more weeks for Wells Fargo to send me something in the mail regarding gap insurance cancellation. NOTHING! I went into one of their local branches ( XX/XX/ ) to see if anyone can help me shed some lights on the matter. Luckily I got the branch manager helped me with the situation. He called and talked to the auto loan dept and learned that they had already received the refund check of gap insurance cancellation from the dealership. Furthermore, they will process and issue a refund of the due amount to me in 7-10 days from the day of the phone call. 7-10 days came and gone. Still waiting ... NOTHING! I received a phone call from XXXX ( XXXX, ext XXXX ) from the office of the president. That was what they called it. He said that hell look into it and call me back. About one week has passed since I spoke with XXXX. He didnt call back. So, I called him back but they said he was not avail to take my call. About a week later XXXX called me back ( Tuesday XXXX ) and stated that its typically takes about 45-60days for them to process a refund. However, he was able to get hem to speed up the process and that I will receive my refund on Thursday of that week. Thursday came and gone. NOTHING again. Still waiting ... 
Second issue with this loan. 
I made the first payment of $ 500+ then refinanced with a more reputable establishment. However, the amount refinanced was more than what I paid for the car originally. There was no extra fees charged during refinancing. Wells Fargo couldnt tell me where that first payment went. Theres nothing transparent about this car loan with this bank. Im so tired of the run around they gave me. I need help to get to the bottom of this case PLEASE.