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

I live in XXXX XXXX, where my Citibank account was located, from XXXX until XX/XX/XXXX, when I left for XXXX to care for my XXXX XXXX XXXX mother during the pandemic. I thought it was temporary, but during the following year she became unable to live on her own, so I stayed with her while retaining my LA apartment, where I still received mail. 
I received an email from Citibank on XX/XX/XXXX with the heading " Your Account Has Been Placed in Inactive Status '' informing me " A new notice or letter about your account is now available in Statements & Documents. '' Following the " view your letter now '' link results in " Looks like there are no documents available. '' I opted for " no paper '' communication with Citibank, have accessed my account online regularly for the past year, and spoke to at least one officer to make sure my account was in good standing as I wasn't doing any banking transactions. I was assured I had no cause for concern as I was still accessing my account online. 
While Citibank sent me mailed notifications telling me that my account was in danger of becoming inactive, apparently they couldn't be bothered to contact me by email until after they made my account inactive. There are no Citibank branches in XXXX, so I can't appear in person to resolve this, and as my mother has just died, I need to remain in XXXX to handle her estate. 
Citibank has told me the only way to activate my account is to " maybe deposit some money into it, '' which was the advice I received in a chat session ( uh, no thanks - that's what ransom is ) or mail them a letter updating my address and asking for an updated last contact date, which I've sent by Priority Mail, but there's no person to directly contact regarding my account.

I want to formally protest Citibank making my account inactive when I had initiated contact on the Citibank site to check my account and download monthly statements in the past year. I can see that my having to mail them, with no ability to contact anyone specific, is basically a futile attempt to reclaim my account balance.
Product: Checking or savings account

XXXX deposited a check in the amount of XXXX $ on XX/XX/2022. 
Hold placed on the account til XX/XX/XXXX when funds showed cleared and available for usage. 
Today is XX/XX/XXXX. The XXXX check deposit was deposited in the amount of {$4500.00} into my savings. 
Tried to withdraw money from atm today still denied usage to both my accounts checking ending in XXXX and savings ending in XXXX. 
Spoke with a customer support representative with chase. The support agent referred to my account still being placed on restriction due to confirmation of the check written to myself if funds were going to be cleared. Prior to this Ive spoken with them on dates XXXX of XXXX telling me to wait the hold duration and funds should be accessible the XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent off a letter to Experian asking for my accounts to be looked at for accuracy and completeness of accounts. You can see the attachment to view the accounts I requested to be re-investigated. It is XX/XX/2023 and I have not heard anything from Experian about the re-investigation that was only supposed to take 30 days to complete. These inaccurately reporting items are causing me a great amount of stress and anxiety due to me being in the process of trying to buy a house. Experian has failed to do a timely investigation on my account as well as notify me that any of my accounts are under investigation.
Product: Debt collection

I moved out of the apartment in XX/XX/year>. The Apartments said I had a balance of {$2700.00} and I dispute the amount and ask for verification of the {$2700.00} they have no evidence that I owe that amount for damages. The Apartments sold to a new management company and the new owners have no records of the balance of {$2700.00} so it has taken months to reach someone. I finally reached someone and I submitted evidence that I owe {$1300.00} and they corrected my balance but the debt collector refused to remove off my credit report when the Apartment complex made a mistake by sending the balance to a collection agency.
Product: Payday loan, title loan, or personal loan

Lendumo, an online payday loan lending service, approved a small {$1200.00} loan for a family emergency I experienced on XXXX/XXXX/2022. I was told that they could not determine the interest rate until I selected the " sign and continue agreement '' in the app. Once I selected the option they went ahead and approved the {$1200.00}. Fearing that they had my bank account information, pressured me to accept the loan, and fear they would debit my account regardless, they did deposit the money in my account. The problem was the interest rate was like 794 %, now I owe them over {$7000.00}. interest on a measly XXXX with a biweekly payment of {$390.00}. The payments are also being deducted on an alternate week other than agreed upon and have caused several overdrafts to my account. I also do not believe the interest rate that I am being charged is legal in my state. I've paid {$2300.00} so far and seek relief from this predatory loan experience. How is this legal?
Product: Credit reporting or other personal consumer reports

My credit report includes unapproved hard inquiries that should not be there. Please correct this issue under 15 USC 1681c-2 and delete them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX collections for XXXX XXXX is a fraudulent account on my credit reports that gas been disputed and a identity theft report filed. Along with a police report submitted to credit reporting bureaus. Please assist in removing this account.
Product: Student loan

I checked my credit and saw the wrong information on my credit saying I have balance that I already paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX 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 instruction.
Product: Debt collection

I have no idea who these people are. I have never contracted with this company. It's all fraud. A company called Helvey and Associates item # XXXX have been reporting false claims to the credit bureau knowingly that I've never heard of them until my credit report. This company and XXXX XXXX   are both reporting false information to hinder me from obtaining credit. {$130.00} and it appears to be the same items masquerading as accounts.
Product: Credit card

On XX/XX/XXXX, I was in the XXXX XXXX, and the American Express ( Amex ) representative offered me an Amex card. If I accepted the card by paying US {$250.00}, I would receive XXXX Delta Airlines miles as long as I spent US {$3000.00} in less than XXXX months. I told the representative I had an Amex card until XX/XX/XXXX. He told me I would be OK because it had been over XXXX years since I had the old card. I went with the promotion and was given the Amex card number XXXX, valid until XX/XX/XXXX. I spent US {$6100.00} until XXXX and paid the annual fee in my first payment. When I contacted the representative today, XX/XX/XXXX, in the call center, she told me Amex would not give the miles and would refund my annual fee because I had a card before. The attendant provided me with the ticket number of my call as XXXX. Unfortunately, it seems the representative lied in the airport, or Amex needs to act more honestly. I decided to sign the Amex card again because of the offer, and they are not honoring their terms. I would appreciate your help as Amex can solve this matter they created. Thank you, XXXX
Product: Checking or savings account

Good morning, I am filing a third complaint in regards to my online banking I had with chime. I ran into a issue with chime during sometime around XX/XX/2020. The issue that I came across was my account being closed due to not being in compliance with the policy! I was very confused but was willing to take any additional steps to retrieve my account and also my balance so I have been in compliance with them! I have sent over legal documentation from 1099-C forms, documentation from the state of Illinois stating I received my benefits rightfully, personal statements and much more info asked of me from Chime but I was still found to not have sent over enough sufficient information an have been refused the right to receive my refund back! I am very upset and its highly disappointing to trust a banking system them have your money stolen right from you by a company you thought you can trust! I am still being told to get in contact with the originator who deposited the funds to my account during the time it was opened ( which I have multiple times ) but I was informed it would be up to chime bank to release my funds. I unsure as to why I cant retrieve my refund when its rightfully my money and have given more than a sufficient amount of information to prove so!
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2017 I join XXXX  XXXX XXXX a XXXX XXXX XXXX XXXX . They sent XXXX store card a proposal to lower my payments and interest and remove all late payments. XXXX continue to report me 30days late every month. They accepted the proposal with the understanding they would receive my payments on the XX/XX/XXXX of each month. I'm trying to increase my credit score. XXXX continue to send negative information to the credit bureau. They continue to show me late. I have contacted them several time and nothing has changed.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit card or prepaid card

Due to my relocation from XXXX XXXX  to XXXX XXXX  XXXX in XXXX ( which saw a roughly 20 % increase in our cost of living ) and taking a pay cut ( as part of a longterm career strategy ), my wife and I are financially struggling. I am a XXXX XXXX XXXX  and she is a XXXX  in the XXXX, so our incomes are based upon time-in, seniority, and rank, not performance or anything else. 

Although we have been making payments, we are robbing from our cashflow to make the payments : we are paying the credit card debt and having to spend it, again, to stay afloat. I attempted to negotiate with Wells Fargo ( regarding my credit card ) to lower my interest rate and mandatory minimum payments ( currently $ XXXX XXXX for a period of six to twelve months, so we can get our financial situation in order. They refused, unless I closed the card first : not only would they not promise that closing the card would result in the outcome I wanted, it is also an action that would have negative consequences ( for both credit score and reputationally ). Because of my occupation, I can not have a closed credit account upon which I am also making payments. 

Wells Fargo is obstructing my financial wellbeing, even as I attempt to negotiate in good faith. 

I have missed no payments, etc. and yet they remain steadfastly unwilling to work with me, even when it was escalated to their executive-level customer service. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXXBalance : {$5500.00}
Product: Credit reporting or other personal consumer reports

I pulled my credit report hoping to purchase an house, but I noticed a lot of unauthorized accounts that was open but are now closed due to delinquency of none payments. I noticed these accounts around then end of XXXX. Seeing these accounts makes me remember I did receive a couple of phone calls in regards to a few of these accounts but I told the creditors it wasnt me, asked for documentation in regards to these accounts, I never heard anything back or from the creditors I assumed the issue was solved but clearly not. Its several accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. Ive tried reaching out to creditors explaining these accounts were open fraudulent. Theyve also put multiple hard i inquiries on my account starting back from 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

As stated in previous correspondence dated XX/XX/XXXX I received a copy of my Experian consumer credit report and found the following item ( s ) to be in error, inaccurate, and unauthorized. : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 8. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 9. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 10. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 12. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 13. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To update this suspicious information, I filed this report. I shall take legal action against Credit Bureau if they fail to verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
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

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. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Debt collection

I was contacted by Optimum Outcomes almost twice daily beginning XXXX 2018 in response to a medical debt. The representative threateningly expressed that if the collection amount of {$2800.00} was not paid, my credit file would be effected. The representative was rude and forceful. 

I was also contacted by XXXX XXXX XXXX XXXX in response to a medical debt. Their address is : XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX Again, this representative threateningly expressed that if the collection amount of {$2800.00} was not paid, my credit file would be effected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  XXXX account XXXX XXXX, XXXX  account XXXX XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX  # XXXX XXXX has violated my rights 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
Product: Credit reporting or other personal consumer reports

I sent a letter to the court clerk they responded back and said they dont report these to the credit bureaus I need this to be removed off my public records immediately
Product: Checking or savings account

On XX/XX/XXXX XXXX I received my order from XXXX XXXX. It was made incorrectly so I reached out to support for a resolution. They refunded my whole order back to my debit card and I was told it should appear in my account in a few days but it was already processed so its just pending for my bank. I reached out to my bank the next day to ask if I had any pending returns to my account from XXXX XXXX  and they told me no. They dont see no refund issued by that merchant so I reached back out to XXXX XXXX  and they told me that is incorrect they processed the refund on their end so there must be a problem on the banks end. I would just like to make sure I get the refund I was already promised.
Product: Credit card

Ensuring timely payments is a habit of mine. I am absolutely certain about this. What I find puzzling is why this company is labeling me late in certain months, which is unacceptable. USC 1666b states that any billing errors need to be fixed ; otherwise, they'll owe me {$1000.00} for each inaccurately reported account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the bank to get a personal loan. I was told I didn't qualify for the loan. I was told It was because of my credit and I asked to see it. Here Is what is listed on my credit that Is not mine. XXXX, US DEP ED, XXXX XXXX, XXXX XXXX, XXXX, Afterwards I called the police and contacted FTC to see what was going on.
Product: Bank account or service

On the morning of XXXX/XXXX/15 I woke up, went downstairs to get something out of my car and it was gone. In a panic I called my Auto loan leasing company. They informed me that my car had been repossessed. I had set up automatic payments, so I was confused as to why they took my car. After some back and forth with the Auto loan company it came out that my monthly payments were being stopped and returned by my bank. As a result many months of payments that SHOULD have been payed were returned, and my car was repossessed. I now owe appox. {$2500.00} ( That I do NOT have ) of late payments and fees, in order to get my car back. I called my bank and was told that due to a stop payment I made on XXXX payment back on XXXX/XXXX/2015 that ALL subsequent payments were being rejected. When I asked them why, they said it was policy. I told them thats NOT what I wanted, nor was it what I requested when I asked for that XXXX payment to be stopped or when I was charged the {$30.00} fee to stop it. Then the VERY RUDE manager " XXXX '' that I spoke to basically told me tough luck, that its not their problem and an I 'm XXXX for not noticing sooner. He also told old me that I should have called them to Unstop the stopped payment. I asked him repeatedly why they would have a policy like that. He was unable to give me answer. Now I have to pay for a rental car, while i try to figure out how on earth I 'm going to come up with {$2500.00} of money I really really do n't have to get my car back or it will be sold at auction, and I will have nothing. I also now have a repossession on my credit report.
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Money transfer, virtual currency, or money service

My wife and I were XXXX XXXX XXXX on a street in XXXX, XXXX while on vacation there the night of XX/XX/XXXX, at approximately XXXX. Both our cell phones were stolen, and the thieves hacked my cell phone, and were somehow able to get into my account. They proceeded to do a series of transactions that night and during the morning of the XXXX, while I had no way to reach Chase to block the accounts. 

I filed a police report that night and was able to logon with my laptop once a returned to the hotel room after midnight. I was able to cancel a large number of zelle payments they were doing. I was not able to cancel the one payment for {$500.00}. I finally reached the Chase XXXX number on the afternoon of XX/XX/XXXX and blocked the account. 

The thieves also performed several fraudulent transactions on my Chase XXXX credit card and on my XXXX account. I was able to have all those reversed. 

I'm attaching documentation that corroborates my assertion : 1. The list of messages from Chase showing my cancellation of the zelle transactions that were attempted on that same day.

2. The Chase Statement showing the fraudulent transaction ( on page 3 ) and the Chase credit card statement showing other fraudulent transactions on that same day. 
3. The XXXX statement showing fraudulent transactions on that same day. 
4. The police report ; it's in XXXX because this happened in XXXX, XXXX. 

I called Chase immediately when I saw the {$500.00} zelle transaction and filed a claim which they later denied on XX/XX/XXXX. I called them a few days later and was told to submit any additional information I had. I sent a letter on XX/XX/XXXX including the details above and they denied that as well. I followed up with XXXX separate phone calls, the last on XX/XX/XXXX, to try and get answers as to why they refused the claim. I was told it was denied because my device was used to do the transactions and there was no evidence of failed attempts or password changes from the device.