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

In XX/XX/year> I became XXXX XXXX XXXX for my brother, XXXX XXXX who is in XXXX XXXX. I discovered XXXX accounts at CapitalOne that I wanted to close. I sent them XXXX  documentation twice, with change of address information to my address in California. It took several months for me to discover the balance in the accounts and I requested both accounts be closed and proceeds sent to me. In XX/XX/year> CapitalOne claims they mailed checks to my brother 's address in Florida. He did not receive these checks. I issued affidavits with information provided by bank to reissue the checks. The first affidavit did not have a check number, which I did not know. I called the bank and on XXXX I spoke to XXXX who provided some, not all of the information required. The bank never contacted me to advise that additional information was needed. I discovered that information was missing, and on XX/XX/year> I submitted newly notarized affidavits with the information provided by the bank. Today I called and spoke with XXXX in account closures who told me the mailing address had not been updated. He told me new affidavits would need to be submitted now that address was updated. I explained that CapitalOne had the correct address for months but they had not updated their information. I tried to resolve the issue today and get checks issued, but XXXX was unable to help, and when I asked to talk to his superior, he told me this could not happen!! I also asked about the interest that I assume accumulated since the bank holds the money. He had no answer to this question, and advised that an escalation was started some time ago around this issue, but he had no information. He told me bank would reach out to me, but I explained I had only received 1 call from them several months ago, and was told an escalation was underway. I can not get an answer or the money owed. Help!!
Product: Credit card or prepaid card

Hi, I have a Citi XXXX XXXX credit card since XXXX and it had a reward points of XXXX till XXXX XX/XX/XXXX ( as per the statement email received from the Citi bank for the account ending with XXXX ) but when I tried to check online for my rewards points, all of the points were gone. 
I connected with the Citi XXXX ( XXXX XXXX ) on XXXX XX/XX/XXXX for the same and the executive informed me that the card account has been XXXX and she is raising a request to reinstate the card and asked me to wait for XXXX business days. 

On XXXX XX/XX/XXXX, I again connected with the Citi CustomerCare ( XXXX XXXX ) executive on I was informed the same that the card account has been disable and the previous request was denied, so she is raising the request again with the notes. 

On XX/XX/XXXX, I again connected with the Citi CustomerCare ( XXXX XXXX ) someone called " XXXX '' and told him about my concern. He ( XXXX ) also said the same thing that the card account has been disable and the previous request was denied from the department, so he is raising a case this time ( Case Id : XXXX raised on XX/XX/XXXX ) and asked me to wait for 5 business days. 

On XXXX XX/XX/XXXX, I again connected with the Citi XXXX ( XXXX XXXX ) and narrate the entire incident to the executive. She gave the same comments and then I I asked her to transfer he call to the floor manager. The floor manager ( XXXX XXXX XXXX XXXX XXXX XXXX  from XXXX XXXX team ) informed me that the account has been inactive for the last 1 years so the rewards get forfeited and the account gets closed. 

My question before closing my account, I was not updated by the Citibank through any email or mail. How can they close my account without my consent or without informing me and forfeit my rewards points. 

So I would request your support in this matter and highly appreciated your time. 

Thanks,
Product: Credit reporting or other personal consumer reports

Company reporting incident that occurred XXXX XXXX XXXX. Rights were restored and charges were supposed to be sealed. Falsely charged.
Product: Checking or savings account

On Sunday XX/XX/XXXX, I initiated a $ XXXX transfer from my savings Account held with Marcus by Goldman Sachs to my Chase account so I could put a deposit on a home I have an offer on. 

I called in on Monday XX/XX/XXXX to request an expedite of transfer, or an escrow transfer to the Sellers Escrow for the home. Both of these were denied, the escrow transfer was denied without any explanation. 3 representatives of Goldman Sachs indicated that they were not allowed to provide insight into why I was ineligible for an escrow transfer. 

On XX/XX/XXXX, I found out my transfer was reversed. After speaking to 3 representatives and 3 supervisors, I received 3 different responses. The first indicated that it was reversed by the receiving bank reversed the transaction. The second indicated that while they were not sure why, they guaranteed it was not initiated by Marcus - Goldman Sachs. The third confirmed that there was a security exception that was triggered Goldman Sachs by their security team. The rationale was that a recent transfer of $ XXXX flagged a " fast funds movement '' action, which was then declined. This is also odd, as my account held over $ XXXX, which was more than sufficient to still accommodate the transfer of $ XXXX. 

I'm at risk of breaching my home purchase contract as a result of this delay on the part of Marcus by Goldman Sachs, and I'm likely to lose out on my home purchase as a result. 

Agents Spoken to who hung up the call when questioned XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX ( supervisor ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( last and likely most helpful ).
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Starting off I must say that this is one of the worst and most offensive and ridiculous experiences I've had with a bank! 
A little over a month ago I successfully opened a checking account, which I funded several days later. I also received a XXXX email asking for multiple documents for proof of identity. I sent those documents and the submission was cleared. I later find out that the Citi Bank account had been closed and sent to their fraud department who sent me a letter stating that they didn't want to have a banking relationship with me because they could not verify my information, which is highly suspicious and sounds made up. I had been locked out of my account and needed to talk to a department, which is only open from XXXX to XXXX HST. When I was able to call at these ungodly hours they told me, with some condescension, that the account had been closed prior to receiving the XXXX documents. All of this drug on for over a month. They advised me to reapply for a new checking account since the other account couldn't be opened. A few days ago I completed an entirely new application, which had been cleared and approved with new account numbers. I funded the account the next day. I also opened a savings account, which I was going to link to the checking to clear the service fee with an online bill pay. I tried to login today after seeing an email from XXXX this morning notifying me of a generated account statement, which I thought was odd since I just opened the account, only to find out that the savings account had been closed. I tried to login to checking account and the online banking account was gone along with access to my checking account and my money! 
I am completely blown away at how truly bad this situation is, how much this company has degraded, and at the staggering number of even worse reviews and complaints I read before levying this complaint! 
With that said ... XXXX YOU'RE DONE!! I won't make any further attempts to open any more banking accounts with you and will do my best to NEVER do business with you ever again!! 
The only outstanding issue now is for you to RETURN MY MONEY!! I'm just glad my case doesn't involve anywhere near as much money I read about in many other instances of problems with you in other similar situations!
Product: Credit reporting or other personal consumer reports

I submitted a complaint to LVNV Funding LLC on XX/XX/year> via the XXXX  regarding collection accounts that are being reported on my consumer file. I specifically stated that I am liable for this debit with XXXX XXXX XXXX and I do not have a contract with LVNV Funding LLC. 

On XX/XX/year>, I stated the following in to a response received from XXXX from their compliance department : I am requesting for Resurgent/LVNV Funding LLC to provide me with a copy of a purchase agreement from the alleged original creditor. Moreover, please be reminded that that I did not have original sales contract with Resurgent/LVNV Funding LLC therefore I did not authorize them to retrieve and share my personal identifying information with any third party ( credit bureau ) You can not locate someones SSN and use it to your liking, without receiving sole express permission, that is a form of identity theft. 

Rather than providing the requested information, XXXX on XX/XX/year> responded the following : From our review, we believe most of their concerns were already addressed in our response to their previous inquiry received XX/XX/year>. We are enclosing a copy of our previous response for review. 

XXXX willfully ignored my request for a copy the purchase agreement/assignment of debt and instead considered the matter as closed.
Product: Bank account or service

Hello CFPB, After applying for a home loan refinance, I discovered that my current HELOC with Citibank Account # XXXX was not being reported correctly to the credit bureaus. Citi reported the loan with a XXXX outstanding balance. This is not the case as the attached statement will attest. Due to this error in credit reporting, my refinance mortgage company can not submit the loan package to underwriting and the loan is currently at a stand still and due to time constraints I am in danger of losing my loan rate lock. To move forward with the loan they requested a letter from Citi stating the following : " To fix your credit here are the items we need in a letter from Citibank : - State that the reported {$0.00} balance is an error - State the current loan balance amount - State that the loan has been paid every month as agreed for the last 12 months - State that there are No Disputes associated with the loan ( if it is still in dispute in their system tell them that you are no longer disputing anything ) - Include the loan number and name of the borrowers '' I contacted Citibank on XXXX/XXXX/2016 and spoke with customer service rep XXXX, explained the situation and requested the letter with the above statements. He opened a support case # XXXX, said it would take XXXX5 business days to receive the letter. 
I called Citi back XXXX and was informed that my case was closed, and that they could not produce any letter and offered no help to resolve the incorrect credit reporting error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
12. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Experian credit reporting bureau dropped my credit score XXXX points for NO reason at all. I have always paid my full balance on the XXXX credit card I have and I have never been late.. I don't owe for a house or automobile. 
I think they did this because I filed a complaint with CFPB about not being able to access their website. 

I can no longer access my credit score either. I found all this out by checking with my local bank I do business with.
Product: Bank account or service

After moving into my new apartment, I received a coupon packet from the USPS that included a promotion with Chase bank. The promotion stated that if I opened a checking account with direct deposit, I would receive {$300.00} within 10 days of satisfying the direct deposit requirement ( the requirement was {$500.00} each month ; more than double that has been directly deposited by my employer each month ). I opened my account in XX/XX/XXXX ; it has been almost XXXX months, and I have not received the promotional credit. I have emailed the bank customer service representatives, but they said that without re-submitting the coupon they could n't do anything. But, upon opening my account the woman took the coupon, so it 's impossible for me to still have that coupon. I would not have opened an account with Chase had it not been for this incentive ; I would have gone to another bank that would have actually honored their promotions. I am extremely frustrated at this bait and switch, and will close my account with Chase if they do not honor the promotion that brought me to their branch in the first place.
Product: Credit reporting or other personal consumer reports

I have not validated or accurately reported my credit history or the subsequent information. Hence, I am invoking my consumer rights to demand that only factually accurate, verifiable, and compliant data be collected and reflected in my credit report. Additionally, I insist that any errors be corrected permanently without delay. 
Furthermore, I request an investigation into the origins of each account to ensure that every creditor has a valid reason for all inquiries on my credit record. Listed below are the Accounts that are being challenged : XXXX XXXX XXXX - XXXX Please verify. - I do not recall ever being late on this - please remove this erroneous information you are reporting. 
XXXX XXXX XXXX - XXXX The purported delinquency and derogatory claims mentioned above are reported without the requisite and mandatory documentary evidence to substantiate their current and verifiable compliance with the accurate, timely, complete, and unquestionable reporting of negative information. Due to this deficiency, I respectfully request the immediate and complete removal of all aspects of the alleged negativity, in order to restore and uphold the ethical and legally mandated standards of consumer credit reporting practices. 
XXXX XXXX - XXXX This is also completely inaccurate. - This was Paid as agreed and should not be showing any derogatory information on my report. 
I would like to express my concern regarding the information presented above. I understand that the content has not been certified to meet any reporting standards and has not been verified or proven to be accurate, complete, or up-to-date. To ensure compliance with reporting obligations and consumer legislation, it is essential to have proper documentation. 
Moreover, I kindly request that any unsupported or incorrect material be removed from the data provided. The information supplied is insufficient, and it is crucial to have accurate and reliable data. 
XXXX XXXX - XXXX Please verify. - Here we go again - This was paid in full and this tradeline should have been removed from my report per promise of the creditor and yet you are still inaccurately reporting it. 
XXXX XXXX - XXXX I wish to address the reported delinquency and derogatory claims associated with the aforementioned account. 
It has come to my attention that the provided documentation fails to meet the necessary standards for certifiable compliance and factual accuracy, including physical verification and timeliness. Consequently, I respectfully request the immediate deletion of all negative aspects associated with this account to ensure adherence to ethical and lawful consumer credit reporting practices and the mandated standards thereof.
Product: Consumer Loan

When paying extra amounts to reduce principal owed to Ally Bank, they instead prepay payments including interest but extend the due date. The net result is high interest owed by not reducing principal -- according to the financial principals of Time Value of Money
Product: Credit reporting

On my credit report these is a collection from " XXXX XXXX '', however I have failed to contact them, I ca n't get a hold of the company, I believe they no longer exists. If they do n't exist anymore and I can not make contact with them, then I want this off my credit report. I have also called and emailed ( XXXX/XXXX/2016 ) Ashmer Collections and they have n't responded to me.
Product: Debt or credit management

I have was contacted by Metro Collection regarding a debt as a co-signer. I advised I will settle the debt and make arrangements to pay. I asked if the information was placed on my credit. I was informed twice that it was not there. Three months into making the payment I received a notification that the debt was placed on my credit report. After contacting the company. I continued to get the same email back with disregard of the prior conversation and agreement stating, it will be removed when paid off. This is a whole year later from the initial contact to the arrangement and now they place the debt on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Office of Administrative Adjudication. 
Docket number : XXXX Filed : XX/XX/XXXX Pertaining to the above even though the Bureau found that between XX/XX/XXXX and XX/XX/XXXX XXXX violated the Fair Credit Reporting Act ( FCRA ) and Regulation V by furnishing consumer loan information to CRAs that it knew or reasonably should have known was inaccurate ; failing to promptly update and correct information it furnished that it later determined was incomplete this company is still violating the FCRA in XXXX. On XX/XX/XXXX I made my car payments using Automatics Payment the only method of payment open to me In the amount of {$500.00} for my XX/XX/XXXX payment. On XX/XX/XXXX I received an automated call from XXXX XXXX to collect a debt. Because of this I placed a call to XXXX to inquire why I would be receiving a phone call when I had in fact paid my scheduled car payment. On the XXXX day after my scheduled auto payment I was notified that my payment was not received through the automated system. This is the second time that this has happened and the results have caused a credit drop of XXXX points I immediately notified the representative that this is unacceptable. XXXX failed to put into place reasonable means of payment methods for their clients and instead furnished late payments to the ( XXXX ) credit bureaus without even an alert as initially promised at the time of electing the auto pay method. I received no alert of a missed payment due to their auto payment error in almost 18 days after the payment was due! Further, I filed a complaint to XXXX and requested a response within a timely manner. Furthermore, after realizing the error I expeditiously made the payment but I have no faith in the payment methods that are available to me as a client. XXXX has now responded and notified me that they only accept payments through their automated system even though it may be experiencing issues. I request the assistance of the consumer Financial Protection Board with my dispute to remove the inaccurate information being reported against me by XXXX and that it is causing extreme hardship to some one with once impeccable credit and brilliant payment history. In the face of future occurrences with XXXX 's inability to provide other means of payment methods there will always be this issue and the auto finance seeking public should be aware that doing business with XXXX will dramatically ruin your credit.
Product: Credit reporting or other personal consumer reports

This is my final attempt as I am just being ignored in regards to this matter. I have listed the reasons why these items are to be deleted and I am just being ignored.
Product: Checking or savings account

On XXXXXX/XX/year> on opened a Wells Fargo account under the {$300.00} promotional credit. I have fulfilled all requirements to receive the promotional credit but it has not been sent to me. I have contacted Wells Fargo and they dont get back with me