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

My complaint is in regards to my Citi Diamond Preferred credit card which I applied for and obtained several years ago. At the beginning of the Covid-19 crisis I received an email from Citi simply stating that they closed my account.

I wrote to them stating that I did not want my account closed ; that I guarded that credit card carefully and kept it only for emergencies ( I am XXXX, poor, and a flat tire is actually a " crisis '' ). I had no balance on that card. I a
m a responsible consumer and only wanted to keep that card for when I needed it.

Now I do not have that safety net.

No explanation.

No reply to my email. 
I understand Citi is allowed to do this to me. That is my complaint - that they are allowed to cause real harm to me by vanishing my safety-net - without justification or explanation. My credit score at the time was approximately 800. There was absolutely no justification or cause. They apparently profiled me and somehow learned I was sick, I am thinking is a real possibility of why they did this - which is in violation of some disabilities law. 
They only treat poor and powerless people this way. It is wrong. 
I want my card back. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Card Number : XXXX. Citi Diamond Preferred Mastercard.
Product: Debt collection

in accordance with the fair credit reporting act XXXX XXXXXXXX, has violated my rights
Product: Debt collection

On XX/XX/XXXX I received an alert that I had a new collection on my credit report. I saw a company name that I was unfamiliar with, consumer adjustment corp. and an original company as XXXX XXXX XXXX XXXX. I have never done business with this company. This just suddenly appeared on my credit report, and I never received a call or letter from this company in reference to this alleged debt they say I owe. I filed disputes online with the credit bureaus but, this company just updated the balance by XXXX dollar.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My Name is XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. I have been legally XXXX for 7 years due to XXXX. I have never lived outside of Illinois due to my XXXX. During XXXX I was hospitalized for XXXX weeks fighting for my life and after XXXX I am now living on XXXX XXXX throughout the day. I am needed to move to a be care location and was informed that my credit needs to be at least XXXX in order to qualify. After pulling my credit, I learned that I am not eligible due to my low score. I discovered many errors on my credit report and fraudulent usage. After contacting credit bureaus most reporting creditors were removed due to never living in California, Texas and Virginia at the same time and while XXXX and hospitalized with XXXX. EASTERN ACCOUNT STSTEM ACCT # XXXX remains on my credit today even after showing proof of my residence. The company is reporting that I lived in XXXX Maine. I have never visit and can not point to it on a Map, even if I had vision. I am not certain what service was used in my name but they are unwilling to share. perhaps we could find out who lives there and arrest the user or owner. Further more, I have a voucher ( section 8 ) and I have lived on a XXXX for 7 years in illinois.
Product: Credit card or prepaid card

I have my Best Buy Store Credit Card Serviced by Citibank. I have had this card for more than 3 years and I have always had my automatic payments set up so I never miss a payment. This payment method has helped me keep an excellent record with all my credit cards and as of today I have a 100 % on-time payment history with all credit reporting bureaus. I have never missed a payment or paid late. On XX/XX/2022 I received an email from Best Buy/ Citibank telling me that I missed a payment and that I had a payment due. When I called the company they told me that my automatic payment was cancelled, something that I NEVER DID. They told me that there was anything they could do. As per as Supervisor my Automatic Payment was cancelled online, something that I never did, neither would I try to do so. No one other than me has access to my account online. I have no record that my automatic payment was cancelled, I never received and email or a phone call to let me know that my automatic payment was cancelled. This is an outrageous and irresponsible way to treat a customer. Now I have to pay the consequences of a malpractice that I was not responsible for. My credit history is impeccable. This action by y the company will damage my credit reputation when I do not deserve it.
Product: Mortgage

This is the XXXX complaint as the XXXX was not satisfactorily resolved and WF seems to just do what they want.  Am curious what you all do to help the consumers?  They made msitakes paying insurance and then took out more money from my checking to cover an increase, which even that, they took earleier then they had stated in the notice they sent me.  I even transferred more money to cover the shortage but now they have not even returne my monthly mortgage to where it is meant to be at XXXX.  It is still at XXXX which is over $200 increase monthly....how are they allowed to do this?  I am so sick of this and their mishandling of my money.

On top of that it's a really crappy way to treat Veterans.
Product: Checking or savings account

I opened an account under a promotion with Santander Bank. In order to receive a promotional bonus of {$220.00} I needed to keep my account open and make a direct deposit within the first 90 days of opening the account. I kept my account in good standing and did everything the bank asked of me. My account was closed by the bank due to their arbitrary rules with no notification or warning. My employer direct deposit was denied and had to receive a paper check after my pay date because I was given no warning. The same week I would meet the qualifications for the promotional bonus I was approved for the bank closes my account. Here is a timeline of events with my account. XXXX/XXXX/XXXX - Applied for Simply Right checking account with promo code XXXX XXXX/XXXX/XXXX - Date account opened and opening deposit deducted from my other bank account XXXX/XXXX/XXXX - Receive welcome kit and enrolled in online banking XXXX/XXXX/XXXX - Mailed signature card back to Santander in self addressed postage paid envelope XXXX/XXXX/XXXX - Received letter stating they have not received my signature card. Letter included additional signature card to return XXXX/XXXX/XXXX - XXXX EST called Santander and spoke with customer service for 12 minutes. Asked if the have received my signature card yet. Female representative said she could not confirm and need to email another department. She should receive response in 2-3 days. Assured me she noted my account and said accounts would not be closed for this kind of issue. I asked for fax or email where I can electronically send signature card. Rep advised no such way. Only mail. XXXX/XXXX/XXXX - Mailed second signature card XXXX/XXXX/XXXX - Received email saying my statement was available online. Logged in to find account closed. General customer service phone number provided. XXXX/XXXX/XXXX - Called Satander. Spoke with XXXX, ID # XXXX, advised no way account can be reopened. Can not confirm if they have received either signature card or not. Stated that was the reason for closing. Asked for manager. Still unable to provide any resolution other than I can apply for a new account. Put in request for corporate complaint unit to respond. XXXX/XXXX/XXXX - Corporate unit called. The representative empathized with my situation and the poor handling/customer service by Santander. I have not received a return call in a week which I was told they would look into their signature reception unit for my documents. No successful resolution.
Product: Credit card or prepaid card

I have two credit card accounts. I have had them for several years and represent in total a credit line of {$30000.00}. I have used their auto bill pay services for these accounts. 

As of XX/XX/2022, Barclays issued a automatic payment on one account of more than {$8000.00}. The normal reoccurring payments for this account were just a few hundred dollars. I contacted Barclays immediately by phone ( within 24 hours ) before the payment was processed ; I receive notifications in advance by email. They would not correct their error and reverse the payment. 

I contacted my bank before they had processed the payment to have return the remittance advice. Allowing the payment to process would have started a waterfall of overdrafts and fees. The said they had to allow the payment to process but would reverse it expeditiously. Which the did. 

Barclays subsequently canceled my autopay on all accounts; including the unaffected credit account. I discovered this in XXXX when my supposedly auto payment was processed. I incurred a late fee and a negative credit report. 

I then contacted them several times ( seven ) by phone. They acknowledged the problem. I attempted to make significant payments {$10000.00} total but Barclays had blocked my bank account and could not find a way to unblock ( supposedly ). The payment on my other account came due and it went past due. This was three weeks after I contacted before several times. 

As of now I have two credit lines on which I am being charged very high interest but Barclays wont accept my payments any longer. I have spent hours on the phone and several cases have been created but the management seems too busy to address on my numerous phone calls ( all incurring roaming charges for being out of country ). 

The duration from the point of their initial failure to currently is two months. I have elected to make payments from restricted accounts of which incur fees. 

I have no confidence Barclays will resolve. The are off the charts in terms of being difficult to business with and their lack of management is costing me significant time and money. I have taken the steps to redirect my business elsewhere because I am lucky enough to be able to. I feel sorry for others less fortunate and have to deal with the systemic management disinterest and XXXX  fees.
Product: Bank account or service

Hello, I have a checking account with Huntington bank. I recently made a bill pay through my checking account for {$1600.00}. The payment was issued and mailed by the bank on XXXX. My mortgage company never received the payment. I called the bank multiple times and spoke with several managers. The check that Huntington bank issued returned back to Huntington bank stamped ( returned back to sender, the address does n't exist ). However, Huntington bank still states that the payment was cashed when my mortgage company never received it. 
I spoke to a supervisor XXXX on XXXX, she indicated that the money will be placed back to my account on XXXX at XXXX. 
Today, XXXX, I still have no money. Multiple calls later, i have no answer about my missing funds and XXXX does n't return my calls. The bank admitted that they have a glitch on their part and the check was never cashed BUT they still refuse to deposit my money back. I spent so much time on the phone and even though I was promised for the money to be deposited back it 's still missing!!!!! I feel like HUNTONGTON stole my {$1600.00}! They just simply pocketed it! My money is still missing and I cant make my mortgage payment!
Product: Credit reporting, credit repair services, or other personal consumer reports

This relates to Complaints # XXXX which has been closed. 

Equifax took my application online to subscribe to their XXXX XXXX credit monitoring service today ( XX/XX/17 ). After entering my information, Equifax sent me a XXXX   XXXX one time passcode to enter into their system. Upon entering this Passcode, I received the following message : System Unavailable We are unable to process your request at this time. Please try again soon. 
This is the identical message I have been receiving for the past three weeks, and which caused me to submit my complaint. 
Equifax has not corrected this problem, and has not provide the credit monitoring series promised as a result of their security breach.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was scammed out of {$200.00} by a person claiming to work at a veterinarian hospital who claimed that my lost cat was brought there after being hit by a car. The scammer offered to set me up an account to make payment plans if I was unable to make the payment for XXXX at once. I would make payments at my local XXXX and bring the receipts to a XXXX  the scammer claimed was at the hospital. Upon making the first transaction and heading to the hospital, I learned that this scammer did not work for the veterinarian hospital ( no XXXX  ) and had used public information to scam me out of my money. I tried to file a claim that same evening with my bank, PNC. When I called back for an update on XX/XX/XXXX, I was told that there was no claim. I was distraught between this scam and losing my cat, my bank didnt even help me when I needed it. I spoke to another representative on XX/XX/XXXX who refused to make me a claim and hung up on me. I eventually spoke to someone who claimed to be part of their fraudulent charge team and was able to file a claim, only to have it denied.
Product: Mortgage

I 've had the worst customer experience in completing a refinance on my home from CapitalOne, TWICE. The first time around the loan officer completely dropped the ball and did not answer any of the questions related to my loan and as a result it was closed. No one ever contacted me to inform me that the process had been terminated and I only found out when I called to get a status update. After complaining and escalating the issue to a manager, I was assured that I would be placed with a more " seasoned '' mortgage consultant who would ensure that all my concerns were addressed and help me to close on my loan. I was required to reapply again and the process went smoothly until my new loan officer failed to return every single phone call and email I made to request a status update on my loan. At this present moment I have no idea what is going on with the process and both the loan officer, her assistant and manager are unable to be contacted! The customer service at Capital One is awful! Its ridiculous that after I 've shared tons of private and financial information I can not get even XXXX response!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Reported on XX/XX/XXXX Account number XXXX Amount XXXX collections collections XXXX XXXX Date opened XX/XX/XXXX Account number XXXX Balance {$4000.00} collections XXXX XXXXXXXX XXXX XXXX  Date opened XX/XX/XXXX Account number XXXX Balance {$690.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX Balance {$680.00} collection XXXX XXXX  Date opened XX/XX/XXXX Balance {$680.00} collection
Product: Student loan

Was previously on REPAY ( form of XXXX ) and was informed on the FSA site that if you were already on this play you would be automatically switched to the SAVE plan. More time passed and it never switched over. I submitted an application for the SAVE plan and was informed yesterday by MOHELA that this was under review so my loan payment is due now without adjusting my plan. Even though I followed the advice displayed by the FSA site and MOHELA. I am not sure why I was never switched over to the SAVE plan like the site said I would be.
Product: Credit reporting or other personal consumer reports

Requesting the removal of many unlawful hard credit queries from my credit report is the goal of this complaint. The illegal inquiries are noted in the copy of my credit report that I obtained from your bureau on XX/XX/XXXX. Per the Fair Credit Reporting Act, kindly look into my allegation. Provide me a copy of my updated, accurate credit report as soon as you can, and please remove any illegal inquiries you discover. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding unknown and inaccurate items on my credit report. To this day over 30 days ago I have not received a response yet. I feel like I'm being taken advantage of and being ignored or my disputes. Section 611 ( a ). states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. These should be deleted promptly. I demand these account be deleted immediately or I will be forced to file litigation due to stress caused. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. This is very concerning as I no longer feel safe with my own identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company pulled my credit report without my consent or authorization. Hard inquiry!
Product: Credit reporting or other personal consumer reports

Im reaching out for assistance with the inaccurate account listed on my credit report. It has impacted my customer reputation, and I need your help to resolve this. I want these accounts to be removed since they are being falsely reported in a negative light.
Product: Checking or savings account

Subject : Formal Complaint Regarding Unjustified Account Restriction and Lack of Resolution Robinhood Account ( XXXX ) Dear [ CFPB Representative ], I am writing to formally file a complaint against Robinhood Financial , LLC, regarding the unjustified restriction placed on my account ( associated with the email address XXXX ). I have been a customer of Robinhood for several years and have always adhered to their terms of service. However, my account has been restricted since XX/XX/year>, due to an alleged security concern, and I have yet to receive a clear resolution or timeline for when I can regain access to my funds. 

Timeline of Events : XX/XX/year> : I noticed an unexpected transfer request initiated on my account, which I did not authorize. I immediately contacted Robinhoods support team to investigate and cancel this transaction. Support confirmed the transaction was canceled the same day. 
XX/XX/year> : Following the cancellation, my account was placed under restriction due to suspected fraudulent activity. I was informed that the restriction was a precautionary measure to prevent any unauthorized transactions. 
XX/XX/year> : Robinhoods specialized team began reviewing my account. Despite multiple follow-ups, I was told there was no timeline for resolution, and the review was still ongoing. 
XX/XX/year> : I was informed that my account information might have been compromised. Robinhood advised me to create a new account, which I did, and they promised to transfer my assets from the restricted account to the new one. I promptly complied with these instructions, providing additional identification and photographs as requested. 

As of today, XX/XX/year>, I have not received a clear update or resolution. Despite multiple follow-ups with Robinhoods support team, I continue to receive vague responses stating that the specialized team is still reviewing my account and can not provide an estimated timeline for when the restriction will be lifted or when my assets will be transferred. 

I currently have approximately {$29000.00} in my account, and this restriction is causing significant financial strain, as I rely on these funds for daily expenses. While I understand the need for security measures, the prolonged restriction and lack of communication regarding the resolution of this matter is both disproportionate and unjustified, especially considering I have fully complied with all of Robinhoods requests.

I have reached out to Robinhood customer service multiple times but have not received a satisfactory response or solution. I am requesting your assistance in resolving this matter promptly, including : 1. The immediate
lifting of the restriction on my account.

2. The transfer of my assets to my new account, as promised by Robinhood.

3. A clear and specific timeline for resolution.

Please let me know if you require any further details or documentation regarding this issue. I am happy to provide all relevant email communications and supporting materials. 

Thank you for your attention to this matter. I hope for a speedy resolution.
Product: Debt collection

I have noticed a new collection on my credit reports and have requested information regarding the validity and verification of this alleged debt. I have disputed this with bureaus to which the bureaus simply reply that debt has been verified. I have received NO WRITTEN NOTICE at any moment and no verification on this alleged debt. Please DELETE from my credit report. This is not the first time that credit bureaus negligently verify debt without a fair and clear investigation.
Product: Credit card

On XX/XX/XXXX and XXXX, 2024 two unauthorized charges in the amounts of XXXX and XXXX were charged onto my Home Depot card without my permission. They were put on a XXXX interest for 6 months payment plan so as not to attract my attention. I have never in my life used these types of programs. Since XXXX I have made many many phone calls to them. Each time they would say they would be sending me the fraud papers to sign in the mail but no papers ever came. When I called again I talked to a lady for XXXX minutes and she again took all my information. Finally I received an email stating they rejected my fraud claim because the products were ordered by me and sent to my address. I am XXXX and home almost all the time and I have not received any packages. When I asked what was ordered on those days they said they did not have that information. XXXX is the amount of money I want refunded to me in the form of a check since I have closed both of my Home Depot credit cards because of this situation. This includes a credit of {$50.00} that was on my account. When I went online to see if other people are having problems with the Home Depot Citibank card the internet was flooded with stories just like mine. I have worked hard to get my credit score to XXXX. It is very frustrating when Citibank does not abide by its unauthorized charges guarantee