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

On XX/XX/XXXX I opened a new Regular Citibank checking account in the amount of {$50000.00} in conjunction with an online promotion that was supposed to pay out a bonus of {$700.00} if funds were left in the account for a period of time. In mid XXXX, I called Citibank to inquire why I had not received my bonus payment and was told " give it a little more time '' as I didn't have the funds in the account as long as required. When I told the representative that I believed the funds had been on deposit for the required period of time, again I was told to give it more time. At the end of XX/XX/XXXX, I reached out again to Citibank via chat and was told that my funds had certainly been on deposit long enough and they would submit an inquiry/claim for me. I was told that I would receive a response from Citibank via email after approximately 5 days. 

Having received no email after 2 weeks I checked my account online and noticed that Citibank had placed a response denying my claim under my account on their website. 

I believe I opened, funded, and maintained this Citibank account as detailed under the promotion. The promotion stated ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ OPEN- NEW ACCOUNT Open a new checking account in an eligible account package from XX/XX/XXXX to XX/XX/XXXX. 

FUND YOUR ACCOUNT Deposit New-to-Citibank Funds into your new checking account within 20 days of account opening. The balance on your XXXX day will determine your maximum eligible cash bonus. 

MAINTAIN YOUR BALANCE Maintain the required Minimum Balance in your eligible account for an additional 60 days from the XXXX day. 
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Citibank employees were unable to give accurate information. Citibank 's promotions are deceptive.
Product: Debt collection

received numerous calls from Midwest Recovery Systems. Spoke to them today at noon on XX/XX/XXXX and they are stating that I have a debt for over {$3000.00} for XXXX XXXX from XX/XX/XXXX. We have always used XXXX XXXX ( 15+ years ) and it is under my wife 's name and not mine. They say it is affecting my credit report and I need to pay immediately. After reading other testimonials online, it became apparent that this company has been scamming people for some time by making up fake debt and reporting to credit agencies. They called me from XXXX and provided a website of XXXX and told me to update my address online. They say I made a payment of {$50.00} on XX/XX/XXXX, which I definitely did not!
Product: Debt collection

This company calls me many times a day, I've repeatedly told them that the person they're calling for is not at this number, they refuse to put my number on a Do Not call list. 
The company seems to be Midland credit management. 
For the last year they've refused to even tell me the name of their company when I answer, the only reason I got it was I pretended to be the person they were calling for once, once they told me who they were, I informed them that this is not their phone number and to put me on the Do Not call list. That seemed to make the operator angry, even though I told them directly I just said yeah to the name they gave, and that was not in fact me I just needed to know what company was repeatedly calling. The operator used foul language with me and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I made purchases through XXXX promotions, XXXX eighteen-month financing and a twelve-month financing. My payments are timely, never late and always more than the minimum due. XXXX XXXX, XXXX I made an online payment of {$150.00}. I noticed my balance appeared {$800.00}. more than it should be. I then noticed I was charged {$790.00} in interest on the eighteen-month financing promo. I did n't realize the 18-mth promo ended and the deferred interest {$790.00} was applied. I immediately contacted Best Buy to resolve the matter without success. I was told the promo balance of {$650.00} needed to be paid to avoid the interest. I offered to pay an additional {$500.00}. immediately to waive the interest and was told an emphatic " no ''. I made several calls to Best Buy and got different answers but all said " no ''. I also called BBuy Dept. of Citibank and spoke to a woman who said I had 20 days to pay the promo balance which would have been XXXX XXXX, XXXX. A matter of 4 days cost me an additional {$790.00}. I also spoke to another BBuy rep and was told someone would call me back and no one did. As a matter of good faith, I paid an additional {$500.00}. on my account XXXX XXXX, XXXX. That would make a payment of {$650.00} to satisfy the {$650.00} promo balance. I also researched the Credit Card Act 2009 and TILA. Both state the disclosure of the time frame of the promotional period must be clear and conspicuous. Looking at my BBuy statement the things that stand out to me are the bold banners and large print. The disclosure re time frame is in the lower third of the statement in very small print. The time frame notice on the statement does not appear to meet the standard set by the Credit Card Act 2009 or the TILA, i.e. " readily noticeable to the consumer ''. Something as relevant as the disclosure should be prominently displayed with a reasonable font size. Apparently, this has happened to many consumers. I have read multiple posts where consumers have been the victim of this practice for even larger amounts of interest, all without success in having the interest removed. I would have at least expected a friendly compromise and/or some flexibility in the interest charged. It is not like I called months later and it is not like I did not offer to immediately satisfy the {$650.00} promo balance. What is certain is that Citibank Best Buy credit card practices are predatory and in direct violation of the Credit Card Act 2009 and the TILA, Truth In Lending Act. In light of that, I would like the deferred interested waived and removed from my account immediately.
Product: Credit reporting or other personal consumer reports

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX XXXX XXXX Please prioritize this matter for prompt action. I have tried to email them, at Innovis Consumer Assistance XXXX XXXX XXXX XXXXXXXX XXXX XXXX But I am not getting any response or completion of my request. I ahve also submitted the Innovis Credit Report Request OnlinXXXX form and NO SUCCESS. 
"
Product: Credit card or prepaid card

Ive been XXXX  from XX/XX/XXXX up until XX/XX/XXXX and upon my release Ive obtained a capital one trust bank checking account and I realized through the credit wise feature attached to my capital one bank account That there was a charged off amount for {$460.00} that I have no clue about. It seems a credit card was open using my info. This situation is clearly fraud. I have not contact capital one as of yet. I am filing a claim with CFPB first before I give capital one a call. I want this matter handle as soon as possible please. When I call capital one I would be able to give capital one the claim number created by CFPB. I have no clue who used my info to obtain a credit card while my time being XXXX. Please resolved this matter as soon as possible being is effecting me from obtaining the stuff I need to continue my pursuit to happiness. Kind regards : XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

This vehicle has been paid off. I have made several attempts to obtain my title for the vehicle over the last several months and have not received it. The status on my credit report does not reflect as agreed. Account was to reflect paid in full. This car was sold with a false odometer statement and I have put less than XXXX miles on the vehicle since purchased 5 years ago due to mechanical issues. I got behind on payments earlier this year due to me having to purchase a more reliable vehicle. Tried to make several attempts to lower my payments with wells fargo by possibly refinancing the vehicle. My credit score was great but they would not refi due to me informing them I do n't know the actual mileage on the vehicle because I found out when I tried to trade it in the XXXX showed the miles were rolled back. This loan has caused me to go through financial hardship and tarnished my credit. Wells Fargo was not help with coming up with a solution or making any type of agreement to make payments affordable. I offered several options and they declined them all. Once I received my tax refund this year I called to pay the car off in full. I was told by the rep she could save me some money by settling for half the balance which I paid. I now feel like I was scammed. I have not received my title, and my credit report reflects the incorrect status. I have a big piece of junk sitting in my driveway I can not get rid of because I lack the title.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had paid off and closed my Pay Pal account XX/XX/XXXX. In XXXX then I saw my good credit score go down XXXX points, due to Pay Pal saying I didnt pay my account for 60 days, I then contacted the company complaining that I closed my account in XXXX. The man then said he closed my account with a XXXX balance, I also complained that your company had told XXXX I didnt pay this closed account and took XXXX points that I worked hard to get and please contact XXXX to reverse this that I didnt owe {$18.00}. He said he would. I want that XXXX points given back to me since I pay all my credit on time including my Mortgage & HOA solely with my XXXX XXXX check. That {$18.00} that Pay Pal said I owed was fraud and if I hadnt taken care of this then it would have gone so high with late fees. Total Scam!
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

I had fraud occur on my ameris bank debit card totaling over {$3000.00}. 

Filed a DISPUTE FRAUD COMPLAINT. waited XXXX days, called MULTIPLE times to check on my dispute & they only gave me {$40.00} back claiming they cant refund my {$3000.00}. 

The fraud occurred on XXXX and I DONT USE CASHAPP. 

they are literally refusing to refund me my money and this is probably the worst bank experience ive had so far. 

I was told that i cant get a refund from the bank, i have to contact cashapp but BY LAW. im supposed to be covered when fraud happens that doesnt involve the use of my PIN, i cant get i. contact with XXXX. ive been trying
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is one company and if you miss one payment, they'll report each and every semester youve received a loan for seperately ... so one payment missed will equal to approximately twelve late payments reflected on your credit report ... which it's literally Credit Report extortion.

Extortion by the Federal Government is the worse..then if you try to consolidate to make it one loan to avoid the games. It's literally double the amount owed once you incorporate the interest.

XXXX  ... .just sad practices .with no light at he end of the tunnel.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, XX/XX/2020, CAPITAL ONE AUTO FINANCE add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax pursuant to section 605b ( c ) of the fair credit reporting act along with an identity theft report from the FTC and a copy of my state driver 's license and social security card and they responded that they are not blocking the information in my request.
Product: Credit reporting or other personal consumer reports

Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately. 

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened XXXX under the account number ( XXXX ), and XXXX XXXX under the account number ( XXXX ) and XXXX  under the account number ( XXXX ) and XXXX XXXX the account number ( XXXX ). These accounts have resulted in several fraudulent ACCOUNTS appearing on my consumer XXXX credit report. I've attached a list of the FRAUDULENT ACCOUNTS in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent item. REMOVE IMMEDIATELY PLEASE THESE ACCOUNTS. 
I do not recognize the aforementioned accounts AND collections as reported. The aforementioned accounts AND collections, on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts AND collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts AND collections are the result of identity theft and fraud.I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that ARE not associated with me. 

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report.
Product: Checking or savings account

Monthly service fee was charged on XX/XX/XXXX by Citi Bank. I made enhanced deposit and bill payments for qualifying fee waiver but I did not know why I was charged for the fee.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit card

I ordered a Supplement thru a company called XXXX that was offering a vitamin for {$5.00} trial time. I ordered the supplement using my Capital One Card. The next month I saw a charge for XXXX on my card and hit the roof. I called Capital One and told them I did not authorize this charge. They cancelled the card and sent me another one, with a new account number. Next month I saw another charge for the same amount. I hit the roof and called and capital One again complaining. I asked how they received my new card number and charged my account without my authorization. Capital one told me " XXXX Has An Agreement With MasterCard to Allow Them To Do This '' I told them I wanted the account suspended and no more charges to be authorized on it. I was hung up and then placed on hold for 2 1/2 hours for asking to speak with a manager. After, getting even more angry. They have added another charge for the same thing this month of over XXXX. It was called a chargeback.
Product: Consumer Loan

I had an auto loan with GM Financial. I refinanced and it was paid off. It is showing as negative on my credit report, fine, but that was over 7 years ago. It has aged out and XXXX/XXXX/XXXX will not remove it from my credit report. They claim that they contacted GM Financial and its per FCRA regs.
Product: Debt collection

Sent company document/letter stating & also showing debt is not owed to me waiting for response
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$490.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$390.00} ; XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$6000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$590.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7100.00} ; XXXX XXXX XXXX  XXXX  XXXX Balance : {$920.00}.
Product: Money transfer, virtual currency, or money service

I opened a new account from XXXX XXXX and wrote a check to a contractor that was refused by BB & T and then made a wire to resolve the funding delay from the check. 

The funds were withdrawn from my account but they werent released to the recipient, instead his entire account was frozen for at least a week and he was charged fees to launch an investigation. My contractor is now being forced to pay out of his own savings for paint and materials. 

The bank is holding his funds and account XXXX and refusing to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within in 30 days gives reason to immediately remove those items from my credit report. Currently it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hand of the wrong person.
Product: Checking or savings account

We opened a free checking account in XXXX with Keybank in XXXX, NY. In XXXX, we opened a home equity line of credit with the bank. We discovered a $ XXXX auto deduction on my checking account in XXXX, XXXX. We inquired about these charges with XXXX and XXXX XXXX at Keybank in XXXX. They disclosed that without our knowledge or consent, a bank employee changed our free checking account to a high-fee account requiring a minimum balance of {$100000.00} in order to waive the $ XXXX service fee. At no time in our long history with Keybank, did our checking account ever hold balances near {$10000.00}. The bank has removed a total of {$3100.00} in service fees through XXXX, XXXX from our account. We pursued a complaint and a request for restoration of these funds with the Executive Client Relations Group at Key, where it was handled by XXXX XXXX, XXXX XXXX and XXXX XXXX. At no time did the team communicate with me through email, in spite of repeated requests that they document their actions and decisions in writing. On Friday, XX/XX/XXXX, after XXXX XXXX on a three-day weekend, XXXX XXXX, Case Manager, called to inform us that a final decision  was made and that the bank took responsibility but would restore only {$2000.00} of the money they wrongly deducted. They would keep {$1100.00}. We told XXXX XXXX this was unacceptable, deceptive and fraudulent. Responsibility required full restitution of funds wrongly taken from our account. We asked for a decision in writing. He refused. We asked for a call from a supervisor. On XX/XX/XXXX, XXXX XXXX phoned, repeated that the bank would retain {$1100.00} as a final decision and refused to put the decision in writing. We asked again for a written determination and explanation of the bank 's retention of our funds. He vaguely cited that because we did not catch this automated deduction earlier we were not entitled to a full refund and hung up the call.
Product: Credit reporting or other personal consumer reports

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments 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 any purpose.