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

I have been a customer of Citi Bank since about XXXX and am disheartened by the treatment that Citi Bank has given me during this COVID-19 pandemic. On XX/XX/XXXX I filed a dispute to receive money back from a charge that I had booked through XXXX after receiving a notification that my trip had been cancelled due to the COVID-19 pandemic, and was instructed to go through my bank to receive a refund. In my dealings with Citi Bank I included the website notification posted by XXXX as well as the email they sent mentioning to go through my personal bank to get the refund because BookIt would not be giving it back to me directly. 

After going through the first round of calls with Citi Bank Staff, I was told that my refund had already been processed, however, I then received a letter stating that the claims that I made had been denied. The issue with this is that there was never a reason given for why my claim had gotten denied, and the refund that they had claimed to give me wasn't the entire amount that I was owed. To add insult to injury, the only refund they claimed to have given me was the initial XXXX  deposit fee for {$190.00} and completely disregarded that they had taken out 2 different charges of that same amount ( which really totals {$390.00} ), and when I mentioned that there were two charges for this amount they acted as though one of the charges didn't exist until I printed out my account statements and showed them. The second charge that was supposed to be refunded was the remaining installment fees which totaled {$490.00}. This claim was also denied due to reasons that were not explained even though I showed them this charge in my account statement as well.

In the end after being denied the {$690.00} that I was owed by Citi Bank, I was told by multiple Citibank employees including ; XXXX ( Account Supervisor for Client Relations ), XXXX ( another supervisor ), and XXXX ( an Account Supervisor ) to file an appeal after learning of my issue. In each conversation that I had with these individuals I was told that I had an " open and shut '' case and they had no idea why my claim was denied since I had the supporting documentation for my claims showing the amount that Citi Bank owed me for a service that I never received from XXXX. After filing three appeals and being denied XXXX times with no notes written in my record for why I was being denied, I felt as though Citi Bank was blatantly stealing my money. When I mentioned this to the supervisors that I had been in contact with, they repeatedly told me they would handle it and reach back out to me once they had gotten the issue resolved, but they never did. 

I find it unfortunate that I have had to deal with this kind of treatment from a bank I have dealt with for several years, especially during a pandemic that is causing a financial strain for ordinary citizens across the globe. After several letters, over 15 phone conversations and multiple empty promises, I'm considering this my final attempt with Citibank to do the right thing and return my money.
Product: Checking or savings account

I deposited a check from a law firm on XX/XX/XXXX for XXXX. When depositing the check the bank stated that the check would be made available the following day. I have received various over draft fees for the funds not being available on the XX/XX/XXXX as of the XX/XX/XXXX, the funds are not available and have been told it can take Up to 2 weeks for check to deposit. In less than a week you will receive an extended overdraft fee, even Though you have funds being deposited that day, first thing in the morning.
Product: Checking or savings account

Rewrite this cfpb complaint I am submitting a complaint against Relay Bank and XXXX XXXX  regarding their handling of my business funds, which were frozen on XX/XX/year>, with no justified reason for delay in returning access. This freeze and the banks prolonged review process have caused significant and avoidable harm to my business. Complaint Details : On XX/XX/year>, Relay Bank and XXXX XXXX froze my business account, claiming that a wire recall had been initiated by one of my clients. My client did indeed initiate a wire recall, but it was done in error and has since been formally retracted. Despite this retraction, both Relay Bank and XXXX XXXX continue to keep my account under indefinite review and are blocking access to over {$17000.00}. Despite repeated attempts to resolve this issue and despite assurances that the clients recall request has been canceled, the banks have been uncooperative in releasing the funds. They have maintained that my account remains under review without providing clear reasoning, updates, or a timeline for resolution. Impact on My Business : This withholding of funds has had a severe and detrimental impact on my business. Without access to these funds, I have been unable to meet essential financial obligations, resulting in : Layoffs of Essential Staff : Due to lack of funds, I have been forced to let go of valuable employees. Service Disruptions : Core services, including business phone lines, have been shut off due to missed payments, critically affecting my ability to operate and serve clients. Client Dissatisfaction : The disruption in services has led to client frustration and potential loss of business relationships, further damaging my companys reputation. The funds held by Relay Bank and XXXX XXXX  are essential for my business operations, and further delay will lead to irreparable harm to my business. I urge the CFPB to review this matter promptly to ensure that these banks uphold fair and transparent practices with respect to account reviews and fund access for small businesses. 


Now I spoke to both the clients bank XXXX and XXXX XXXX on Thursday they stated they will release in XXXX hours Now I get a message after not getting any notification from relay that I will have to wait until the XXXX I am being threshed by my clients I have put my business on hold Ive laid off employees have internet bills piling up unable to take in any money or release anything Theyve not responded accordingly XXXX stated there is no recall but XXXX still has yet to respond to anything Theyve devastated my business Im unable to function I am a XXXX father with a child Unable to do anything here I need them to release my funds
Product: Debt collection

XX/XX/18 Someone named Mr. XXXX called me and told me I was being sued and to gave me a fake court date. He gave me my ssn and my wife 's ssn. Then claimed that I needed to show up in court unless I settled the debt today. I asked which account it was for, how much, and who was he filing on their behalf. He wouldn't tell me. He then said I needed to be a decent human being and pay this debt today. After I asked him what account and when was it from, he began to launch personal attacks. He mispronounced my wife 's name and then just used her middle name. Then said that my wife could have done better than marrying a dishonest person like myself. And then he hung up on me. I called him back 4 different times. He continued the personal attacks and hung up on me each time. He then called my wife and continued the personal attacks. Not once did he say he was calling from a collection agency. Instead he claimed to be an attorney from XXXX XXXX. XXXX. He has now called my work numerous times. I told him not to call me there and call me on my cell. He purposely keeps calling my work and my wife.
Product: Credit reporting

Transunion has not conducted a thorough investigation my inaccurate accounts on my credit file with them. The accounts has very inaccurate items reporting that are not and could not have been verified. They need send me proof or I will be forced to file a small claims suit and FTC complaint. I am writing through my own due diligence and telling me that the verbiage of my complaint sounds like something I would n't write is an insult and will be noted as a stall tactic to not conduct a proper investigation. Attached is my identification to show that it is me. This is for file number XXXX Dated XXXX XXXX, 2016
Product: Checking or savings account

I tried eight times to open an account with Flagstar. In the process, the site froze, at the same location every time. I contacted the bank and talked to an agent to determine if any of the accounts had gone through. He said " No. '' He wanted me to go through setting up an account with him on the phone. I did. The site froze at the same location, again. I decided if they had glitches in the set up process, where else were there glitches and decided to NOT open an account. 

Several days later, I receive THREE email congratulating me on opening accounts. THREE when I did not even complete the process for one! 

I called and talked to a rep. She said she would write up a case and have my money refunded. Nothing happened. I called the bank again the next day. Same response. She would follow up and have the bank refund my money. Nothing happened. 

I called again today. They can't refund me the money. I have to request the accounts be closed and pay a penalty for early closure! They can decide if they want to close my account or not! If they decide to close the account, I will be charged an early termination fee. 

They steal my money, then I have to pay to get it back!
Product: Credit reporting or other personal consumer reports

As per 15 USC 1611 XXXX, XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 USC1640. Furthermore, they are at risk for each FDCPA infringement as per USC1692k. I'm requesting they eliminate the supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your " credit '' report is an infringement of 15 USC 16922b ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an on going issue with the company. I recently had an investigation done into the matter and as of XX/XX/19 it is complete. In which, XXXX conducted an investigation into the issue and verified information on the account regarding an XXXX XXXX. According to XXXX, the results were in fact that I did at one point have the account and Honda updated the account as the balance was paid in full as per Honda Financial Services and I never missed one payment while in possession. I received the results of the investigation in the mail today. IT IS MY RIGHT UNDER FCRA 623 ( b ) ( 1 ) ( D ) TO HAVE ANY AND ALL INCORRECT INFORMATION CORRECTED OR DELETED IF THEY CAN NOT VERIFY THE FACTS OF THE MATTER, WHICH IS THAT THIS ACCOUNT STILL HAS ERRORS. Number one, the account is listed as a charge-off. If the balance is in fact paid in full as reported and I owe {$0.00} as per the investigation this is severely misrepresented. A CHARGE OFF OCCURS WHEN THE NUMBER OF DAYS SINCE THE MOST RECENT PAYMENT REACHES 120 DAYS WITHOUT PAYMENT. THIS WOULD MAKE THE ACCOUNT DELINQUENT AND NO LONGER CONSIDERED CURRENT. This does NOT reflect my account at all. If i was delinquent Honda would not have updated the account as paid in full after Transunion 's investigation. I never missed one payment therefore the account does not fall under a charge off. It's just a closed account. I have the results of the investigation if need be.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  account # 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 an 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: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Equifax will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX ( account number XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Actually, I have indicated not my accounts in my credit report. The information in my profile reported wrongly. I do not want to see it anymore in my report so please remove these accounts as I do not recognize them. Somebody I guess used my personal information its like identity theft. So please recheck and delete. Thank you
Product: Mortgage

Flagstar Bank took over servicing of my home mortgage from XXXX XXXXXXXX XXXX XXXX XXXX ) with my first payment to Flagstar Bank made XX/XX/XXXX. My loan number with Flagstar Bank is XXXX. When i reviewed one of my first XXXX Bank loan statements, I noticed that an old fee from a forbearance that I had with XXXX of {$15.00} that I had paid on/around XX/XX/XXXX was still on the balance when transferred to Flagstar Bank XXXX 

I called Flagstar Bank and let their agent know that I had already paid the {$15.00} fee to XXXX in/around XX/XX/XXXX and requested that they remove the fee and was told NO by the agent. I requested the agent have Flagstar Bank research back to XXXX that I had paid the {$15.00} on/around XX/XX/XXXX because I had the carbon copy of the check I wrote showing that the fee was paid and was told NO. The agent told me that it was my burden to prove that XXXX and XXXX 's transference of the balance was incorrect. The agent inferred that XXXX is not obligated to ensure accurate balance when loans are transferred to them for servicing. 

I'm trying to resolve this through CFPB. I'm also going to file a complaint with XXXX XXXX. If neither of those efforts resolve this issue. I will get a lawyer and seek any and all legal options for remedy. I've brought in a lawyer twice on two other XXXX issues when they serviced my loans and XXXX acknowledged they were wrong both times and corrected the issue. It took lawyers to resolve. I will do that again for this if need be but I hope that's not necessary. I paid this {$15.00} fee to XXXX on a check form my XXXX XXXX checking account on check number # XXXX in the amount of {$2100.00} and wrote in the memo that it was for Principal {$720.00}, Interest {$1400.00} and Overdue Fee of {$15.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I went into a XXXX Bank located in XXXX, Florida to inquiry about the Forberance on my loan due to significant hours decreased at work due to the pandemic. The bank was unable to assist me at that time so I was given the phone number to contact to put the forbearance on my loan. 

I called the number while sitting in the lobby and was connected with someone to help with adding the forbearance on my loan. I was told the forbearance was approved and I did not need to worry about any negative reporting on my credit report. 

My loan was sold to XXXX XXXX XXXX  in XXXX of XXXX  and at the time I pulled my credit report and noticed that XXXX had been reporting my account negative even for the month that I did not have my account with them. I have called multiple times and each time I am told that XXXX has not reported my account late at all. This is incorrect. They have been reporting my account late from XX/XX/2020 until now. I really need this to be corrected. 

I have been offered a job and due to them reporting these incorrect late notices on my credit report it is causing a delay with me getting this federal job.
Product: Credit reporting or other personal consumer reports

These closed accounts on my credit need to removed they were open fraudulent and they are still in there..
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 need to lift a freeze with Equifax. I am unable to sign in on online. When I call, I only get an automated message, I can not talk to a live person, the info I provided does not work and phone is terminated. I need to lift the freeze, I have no way of doing it, as I can not speak to a person. My email and XXXX message have gone unanswered.
Product: Debt collection

I called XXXX numerous times from XX/XX/XXXX to XX/XX/XXXX to request that my alarm service be terminated because I was relocating from XXXX XXXX, AL to XXXX, GA. Each time that I called XXXX I was transferred from department to department. When I disclosed to the representative that I was calling to terminate service, the representative disconnected the call. Finally, I spoke to a XXXX representative on XX/XX/XXXX. The XXXX representative advised me that my alarm service would be terminated at the end of the billing cycle. The XXXX representative also advised me that there would be no penalty since I am selling my house and moving into an apartment in another state. On XX/XX/XXXX, XXXX illegally drafted {$580.00} without my permission. I have no idea why XXXX drafted {$580.00} from my bank account. My normal monthly payment was {$57.00} per month. I disputed the draft of {$580.00} that was illegally drafted by XXXX and the funds were returned to my XXXX XXXX XXXX account on XX/XX/XXXX. A few months later I received an alert from my credit monitoring account the Credit Collection Svcs placed a collection account on my credit file for XXXX in the amount of {$2200.00}. I was an XXXX customer for almost 8 years and I was never late on any payments nor did I miss any payments. I am a XXXX veteran and it is unfair that XXXX is trying to tarnish my good credit and gauge money out of me that I do not owe to them.
Product: Debt collection

Telerecovery is reporting a medical collection on my XXXX  report and it was paid in full via cashiers check as requested. When I initially spoke to them, they offered to delete the entry from my credit report upon payment in full. Once I made the payment they proceeded to tell me that they can not delete the collection account because I have another account in their company from 2004. I have never received any type of written communication about this debt. Even though Telerecovery agreed to delete the collection account, they have decided to not honor the agreement due to an old account, which clearly the statute of limitations has been exhausted.
Product: Credit card or prepaid card

I received in the mail two separate credit cards on XX/XX/21 in my name that I had not applied for or requested in any way. The first one was a XXXX banking card and the second was a Chime banking card. I was able to contact the XXXX customer service and have that account shut down. There had not been any purchases made from it. I was unable to get in touch with Chime 's customer service and i am currently waiting to hear back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of below Inquiries 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 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: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX, Texas, XXXX XXXX XXXX XX/XX/year> Equifax Equifax XXXX XXXX XXXX, GA XXXX Subject : Request to Block Fraudulent Information Under FCRA Section 605B To Whom It May Concern, I am writing to formally request that you block specific information on my consumer credit report that I believe is the result of identity theft and fraud. This request is made pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ). 

The fraudulent, inaccurate, and false information that I need removed from my credit report includes the following accounts : 1. **Credit Card Applied at XXXX XXXX XXXX Applied on XXXX, XXXX. 

XXXX. ** Credit Card Applied at XXXX XXXX - Applied on XXXX, XXXX. 

These application were submitted using my identity, and I did not authorize any of them. As a result, several unauthorized hard inquiries have also been made on my credit report. 

Please send me a written confirmation once these items have been blocked and removed from my credit report. I would also appreciate any additional guidance or steps that may be necessary to ensure that my credit report accurately reflects my credit history. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting

They saying that they ca n't find me like my SSN its right idk what to do help me fix it I need my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 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