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

I've had numerous issues since opening my Citi account with the promise of dedicated personal banking support, $ XXXX cash bonus, enrollment in the Citi subscription program, and inability to resolve general account support items or even attempting. 

1. I was to be enrolled in the subscription program in 60 days. It took Citi over 90 days to have this done despite numerous resolution calls, emails, and follow ups from me.

2. My transfer to Citi was not done based on what I discussed with my financial representative. My cash savings was to be put in a money market mutual fund upon transfer but was left in a non interest barring account. I had to contest this with my advisor it was wrong and ask for interest credit 3. Unable to use the electronic check depositing tool. There is an issue with the app and it's not allowing it. I deposited the same check with XXXX without issue 4. Wires are delayed multiple business days and no escalation is taken. I submitted a wire transfer on XX/XX/XXXX for $ XXXX. It was flagged by their fraud department and I wasn't notified until the XXXX. Citi 's systems were down so the wire never was funded to my XXXX savings account losing me 4 days of interest or {$90.00} 5. The Citi app is unaccessible and non responsive the majority of the time impairing mobile banking needs 6. Financial representatives I'm assigned to are non responsive to emails or inquires. It's taken me a week to find my advisor to execute a trade ( XXXX XXXX ). I've escalated to XXXX to be moved to another team 3 weeks ago but nothing has happened. 

At this point I want my $ XXXX promotion now and I'll exit my short banking relationship. This private client banking is anything but premier and has been a disaster
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out multiple letters to all 3 credit reporting companies and got ignored and told I hired a 3rd party company which I did not. This act is unlawful and blatantly out of compliance. To tell me I am not who I am requesting information I have already sent off in a CLEAR VIOLATION OF MY CONSUMER RIGHTS. This took well over 35-45 days in order to get a letter telling me that they applaud my efforts, need more documents to verify my identity, or just be flat-out ignored. I will be reaching out consumer rights protection group to see the best way to hold these 3 companies accountable. Here are the accounts that I originally put into question. Personal Information, Negative accounts & also Inquiries that were not made by me! 


1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX 3. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX  Date XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. Pursuant to 15 USC 1681 ( a ) ( 1 ) - This GRAVE error has impacted my belief in your companies integrity and ability to perform the proper procedures and protocol. As a result I no longer trust the information you report on MY BEHALF. I Immediately want this i XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

12. Pursuant to 15 USC 1681 ( a ) ( 1 ) - This GRAVE error has impacted my belief in your companies integrity and ability to perform the proper procedures and protocol. As a result I no longer trust the information you report on MY BEHALF. I Immediately want this i XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX inquiries on my credit report that does not belong to me they are : XXXX XXXX XXXX - Inquiry date : XXXX XXXX, 2020 XXXX Inquiry date : XXXX XXXX, 2020 XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX - Inquiry date : XX/XX/ 2020 XXXX - Inquiry date : XXXX XXXX, 2020 XXXX XXXX - Inquiry date : XXXX XXXX, 2020 These are inquiries I have not done I dont know what they are for I have no cards or accounts like this!!
Product: Mortgage

Ditech Financial has a date of opened on XX/XX/XXXX. This is not true my mortgage was with XXXX XXXX XXXX and was transfured to XXXX on XX/XX/XXXX now XXXX XXXX XXXX shows i had no morgage. I have all my payment to show .that means the bal of my morgage is still the same as it was in XXXX. {$52000.00}. that is not being showed. I am XXXX years old and dont know what to do i can not paid a XXXX   i am on ss only. 
please help XXXX XXXX Thank You.
Product: Debt collection

Someone that I do not know of used my name to get a credit line through ACIMA. I was completely unaware of it until noticed that my credit score decreased significantly. Due to the credit score drop, I logged into my XXXX account and realized there was debt with ACIMA and they reported to XXXX only. I disputed the account through XXXX and communicated I was waiting on my police report. Before, ACIMA and XXXX received my police report of fraud they communicated with one another. XXXX noted on my account that ACIMA said the account belonged to me without a police report or an investigation. This is indeed NOT my account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I was working hard to raise my credit score. Before the identity theft, my credit score was XXXX and not plummeted to XXXX on XXXX. I want this account eradicated from my account expeditiously.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/1987 XXXX SSN : XXXX Subject : Request for Correction of Personal Information Under FCRA Dear Sir/Madam, I am writing to formally dispute the accuracy of personal information in my credit file. I have noticed discrepancies that need to be corrected as per the Fair Credit Reporting Act ( FCRA ), specifically under Section 611 ( 15 U.S.C. 1681i ), which mandates that credit reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days of being notified. 

Here are the details of the inaccurate information that I request to be updated : 1. **Incorect Information : XXXX XXXX ADDRESS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Correct Information** : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to the FCRA , you are required to re-investigate the items in question and modify, delete, or permanently block the erroneous information from my file if it is found to be inaccurate, incomplete, or can not be verified. 

Please ensure that the necessary changes are made and send me a written confirmation of those corrections. Should you require additional information or documents to complete your investigation, please feel free to contact me directly. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of my dispute. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to report Suntrust Bank. I had taken out an auto loan several years ago with suntrust bank in which I ended up having to do a settlement amount that was paid in full last year. The document that suntrust has given me states that I fully paid the settlement on XX/XX/2021. Since then I have been calling suntrust and all credit bureaus to get this updated, however, my credit reports are still showing missed payments for each month and an owed amount. When I call the credit bureaus they tell me that suntrust is reporting that I have never paid, however, when I call suntrust they tell me that they have been trying to get in contact with the credit bureau to let them know I have paid and even pretended to open a dispute on my behalf. When I call a few weeks later after being told time and time again by the credit bureaus that suntrust is still reporting every week that I have not paid, the are unaware of any dispute ever being open and just keep lying. I have been tirelessly trying to get this removed for over seven months and have been constantly lied to and manipulated into thinking it would be resolved only to see that month after month nothing has changed and Suntrust is still reporting that I owe each month to all of the bureaus. I am being affecting in every aspect of my life with the misinformation on my score. I would like to report suntrust bank for bad business practices and for lying continuously. Thank you
Product: Debt collection

I set up a payment agreement for {$50.00} a month in XXXX XXXX and the very first direct debit from my account was for {$100.00}. I called them and they claimed it was an error and refunded {$50.00} to my account. XXXX XXXX I noticed two separate charges for {$50.00} from the company and called to find out what happened and they claimed error again. I did not have them reverse the charge but rather said I would not like to be debited any more but rather to mail me a bill. I have since received numerous phone calls about making a payment and the company refuses to accept responsibility for fraudulently charging me.
Product: Credit reporting or other personal consumer reports

I pulled up my credit report the week of XX/XX/XXXX, and noticed that Comenity Capital/SEPH ( Sephora ) is showing up as 4 Hard Inquiry 's from XXXX and are doubled which NONE of these should be on my report let alone DOUBLED! 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Due to this incorrect reporting i now have showing 4 Hard Inquiry 's that should not be on my report. 
I want all 4 of these removed
Product: Debt collection

Receiving apparent Debt Collection calls from a Comenity Bank. Multiple times per day, leaving voice mails. I don't have any accounts with this bank, and have never had any accounts with this bank. Never heard of them before and I really don't know why they are calling me. Calls coming from XXXX, to my mobile # XXXX.
Product: Payday loan, title loan, or personal loan

Due to the hurricane I had damages to my car and home that I need extra cash for. I had a XXXX line of credit and my mother had XXXX. So we wrote my boyfriend a checking line of credit check so that we can use the funds to fix his car that was damaged and our home. I made a mistake and used my old XXXX check that I requested to close due to transactions I did not approve. I called navy federal and explained what happened. Agent said I can transfer funds instead of writing a check. We found out my boyfriends account was restricted so I transferred to funds to my aunts account. My mother and I could n't transfer it into our account because we 're getting ready to close on a house and ca n't have funds such as XXXX deposited into our account. So when we transferred the funds to my aunt account navy federal froze all our accounts due to fraud. My account, my mother, my boyfriend, my aunt, my brother in law and mother in law. I do n't understand how we can fraud our own accounts when we have almost everything with them and walk into the bank almost every week. They froze credit cards ... auto account ... XXXX ... everything. When I called to get everything straightened out I was treated like I did something wrong. The agent was no help at all. Also when we all went to the branch to talk to someone we were just shoved a fraud form to fill out without anyone really taking to use. They are not trying to help us fix something that is not what they say. We always try to get additional products with them by applying online and trying to move our services over. We tried to transfer money from our XXXX  like we we 're told we can do but that caused all of our accounts to be frozen. Even after explaining the mix up with me writing a check connected to my closed account, they are not trying to listen and have caused a financial set back and stress.
Product: Credit reporting or other personal consumer reports

XXXX what account number are you reporting to the three credit reporting agencies? 
You are reporting to XXXX an account starting with # XXXX. For XXXX and XXXX you are reporting an account starting with # XXXX. XXXX is the Correct Account number for my student loans? See smartcredit report and XXXX account history. 

XXXX, which is the correct XXXX account you are supposed to reporting to the three credit reporting agencies? Are you reporting on an account that is not mine? 

Please fix this incorrect and inaccurate data asap. XXXX, You are violation of the FCRA!!!! 

XXXX, XXXX, and XXXX is in violation of the FCRA by knowingly perpetuating XXXX 's incorrect data.
Product: Bank account or service

My mortgage payment in XX/XX/XXXX was refused an sent back to me because i had XXXX late payments and they wanted them in full, so after going through a separation with income loss in in late XX/XX/XXXX I lost my job of XXXX years and i have applied for help with this bank roughly XXXX times in the last 6 months only for them to never accept XXXX packet as being completed and able to work it out. No XXXX packet has ever been sufficient for these people. Its a FHA loan so by law they have to offer me a way to save my home.. Since then my daughter started receiving social security and i am self employed, none of those documents have been sufficient. My house sold on XX/XX/XXXX and the bank did not notify me of any kind of sale date or that it in fact had been sold nor have i been given a fair chance to qualify for any programs designed to help me being a single mom. They have been nothing but poor in communication and with keeping me informed of whats going on. My csr changes more than the seasons so no one ever knows whAT IS GOING ON
Product: Student loan

XXXX  XXXX Bankruptcy was discharged on XX/XX/year> and the lender still reported as 120 days past due after loan being discharged. I provided a copy of the discharge. This has caused my credit score to drop by XXXX  points having the increase. The lender has sending letters to my family and myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Experian regarding my membership ID # XXXX and ticket # XXXX. It stated information on my XXXX credit report has been mixed with that of someone else. I would like you to make sure you have correct information on my credit reports and the identify information e.g. addresses, other identification information, and credit accounts belong to me. I provide documentation to verify identity. 

Also, I was apart of two XXXX data breaches. I have been a victim of identity theft for years and have been disputing errors on my credit report for years. My XXXX settlement should have been more than the {$43.00} that was wired to me on XX/XX/23. I believe my file was mixed up so someone else could get my true settlement money. 

15 U.S.C. 1681-1681x - make sure all information is correct as I am a victim of identity theft and have been trying to defend against dangerous individuals, scammers for years.
Product: Debt collection

Keep receiving telephone calls from debt collectors for a person with the same name, but different SSN and date of birth. 

Received calls from XXXX XXXX/Direct Capital ( # XXXX ) and from an unknown caller ( # XXXX ). 

I never received a letter regarding a debt collection, but continue to receive telephone calls.
Product: Credit reporting or other personal consumer reports

A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Product: Debt collection

THE TWO ACCOUNTS REPORTING ON MY CREDIT REPORT WITH TEK-COLLECT ARE FRADULENT ACCCOUNTS, I HAVE NEVER DONE BUSINESS WITH XXXX XXXX OR XXXX XXXX XXXX. HAVE THESE TWO ACCOUNTS WITH TEK COLLECT REMOVED OFF MY FILE. SEE ATTACHED FTC AFFIDAVIT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX reported as charge off with balance but 3 credit bureaus report different credit limits! XXXX XXXX reported as charge off when In fact I was never late.. I paid the account on time until I was able to fully paid them. I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Credit Bureaus violated federal law by not properly investigating within the required time frame
Product: Credit card or prepaid card

I was charged a cash advance fee for using XXXX. I then paid the fee and the entire amount of the cash advance off, and Capital One is still charging me a monthly cash advance fee, and a separate interest charge. I have spoken with management and I was hung up on when asking for an explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from CREDCO located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX showed on my XXXX  credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
Product: Prepaid card

I received an AMEX gift card in the amount of {$150.00} from my employer. I tried using it 12x to buy various items the past 3 days, online. The AMEX site says it should be useable just like any credit card after activated, which I did. I can see the balance on the site, and every time it gets an attempted purchase ( which it declines ), it removes XXXX cents from my account and does not return it as a temp hold. So now my balanced is below {$150.00}. I've tried {$150.00}, {$50.00}, {$25.00} purchases. None work and there is no reason given. I was on an XXXX chat for 30 minutes yesterday and they could not figure out why it won't work. But they could not help me.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite raising the issue of inaccuracies multiple times and requesting thorough investigations, I have not received any resolution or corrective action. These errors are severely damaging my credit file and affecting my ability to live a normal life. The negative impact has caused significant hardships, and I am urgently seeking your assistance in addressing this matter. 

I kindly request a comprehensive investigation into each of these disputed accounts. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control of my financial well-being. 

I sincerely urge you to give this matter your immediate attention and take prompt action. Your cooperation and support in resolving this issue would be greatly appreciated. Thank you for your understanding and assistance.
Product: Credit card

American Express XXXX XXXX XXXX. Historically, I have always paid my monthly statement balance in full prior to the due date. Unfortunately, I mistakenly was a day late on the XX/XX/year> statement, the balance of which was {$41000.00}. The due date was XX/XX/year>. Most of the balance due was paid prior to the due date, with the partial remaining balance of {$17000.00} paid in full one day after the due date ( inadvertently ). For that one day late payment, I was assessed an interest charge on the XXXX statement of {$830.00} and another interest charge ( " trailing interest '' ) on the XXXX statement of {$1700.00}. That is a total of {$2500.00} for a payment of {$17000.00} made one day late. 
The issue is the both the interest rate itself ( roughly 25 % ) and the manner in which interest is calculated ( essentially on balances which are not even yet due ). It is the definition of usurious. 
How are the credit card companies allowed to get away with this practice?
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I recently learned through XXXX XXXX that AFNI is reporting a XXXX XXXX collection as owed by me to XXXX, a credit bureau. I dont see it on XXXX. Its a debt for {$100.00}, which may not seem like much, but since Ive never had a XXXX account, its entirely too much. I do not recognize this company at all. I certainly dont owe them any money. I tried to dispute it, hoping theyd look into their records and realize it isnt me, but they just verified it as accurate. Its only on one of my reports, so its pretty clear to me that there is a miscommunication happening somewhere from AFNI to XXXX. I have a fairly common name and I just wonder if thats whats causing the issue.
Product: Money transfer, virtual currency, or money service

I tried to transfer XXXX $ XXXX from my XXXX wallet to my XXXX wallet. In order to send $ XXXX, you must enter a valid $ XXXX crypto address and a valid $ XXXX Memo ID. Unless you successfully enter both of these numbers, and XXXX validates both of them, then XXXX will not allow the transaction to go through. As in, the Withdrawal Button will not turn blue and allow you to click on it until you first enter both of these numbers and receive messages in green stating the numbers are valid. 

However, the transaction was somehow processed with a missing memo, thereby never made it to my XXXX wallet. I spoke with XXXX multiple times, & they advised me there's nothing they could do on their end, at least not for 30 days. I have tried contacting XXXX for over 2 weeks now and have not received a single response!!! 

This transaction is worth over {$2000.00} and is too much for me to lose access to. I can not believe XXXX won't even return a single message when they are supposed to be a trusted, publicly traded company!
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNT ON MY REPORT. PLEASE REMOVE THESE ACCOUNT FROM MY REPOR, ITS HURTING MY ABILITY TO OBTAIN CREDIT.