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

I was a Citi bank customer for years, having a double cash card and a accelerate savings account with Citi. This month, I also opened a checking account with them as they were advertising a {$700.00} bonus reward for keeping {$50000.00} in the account. XXXX weeks after opening this account, Citi closed both my savings and checking accounts without notifying me. I received no email, letter, or phone call advising me of the closure. In this time, I had processed transfers between other external bank accounts and sent an estimated tax payment from my account to the IRS which was later reversed due to the account closure and now I am being assessed a {$47.00} fee by the IRS for a bad check. Furthermore, my savings account that Citi closed contained almost my entire life savings. I have been told Citi is sending me a check for this sum of money which I have yet to receive. This has caused me immense stress knowing my entire savings is floating around in the postal system in the form of a check. There is currently {$20000.00} unaccounted for between my external account and my citi account as that transfer was in process when Citi closed my accounts without telling me. I spent nearly XXXX hours on the phone with Citi being passed around between XXXX different departments trying to determine why I couldn't access my account. I was finally told my accounts had been closed but they refused to tell me why. They said the reason would be sent in a letter which I have yet to receive. Because Citi closed my online account access, I lost access to my double cash credit card account despite this account not being closed. This required another XXXX hours of calling citi bank and being passed around between departments. On XXXX occassions, I sat on hold for nearly an hour just to have a representative answer and hang up, causing me to have to call again and sit on hold for another hour. I will NEVER bank with Citi again and will be closing my credit card account with them soon. These practices are extremely aggravating and unethical.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion maintains two profiles of my credit report and is unwilling of combining them. This creates a lower score of about 100 score points versus the other credit reporting agencies.
Product: Checking or savings account

hello : I am a XXXX. Out of respect for the protection of private property in the United States, I opened an account in BOA on XX/XX/XXXX and successively deposited approximately US {$120000.00}. That is my legal income, and I have not used the money to engage in any illegal activities. But the money was taken away by BOA in a legal order on XX/XX/XXXX. Later, I had many telephone conversations with BOAs customer service department and security department, but failed to learn any information about this incident. I really want to know the reasons for the legal order and what I should do to get my own money back. 
Please help me, thanks!
Product: Credit card or prepaid card

I applied for an XXXX XXXX XXXX XXXX card on XX/XX/XXXX. I thought I used my referral link to receive XXXX XXXX  points ( in addition to the sign up bonus of XXXX after {$4000.00} in spending in the first 3 months ), but upon calling American Express on XX/XX/XXXX and XX/XX/XXXX, was told that the referral link was not attached to my application. They said they could not manually add it. My referral link that I believe I used is XXXX XXXX XXXX XXXX On XX/XX/XXXX I asked to speak to a manager and was told they could do nothing for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

JP Morgan Chase has conducted a hard inquiry against my credit and it is on my XXXX XXXX XXXX credit reports. I have no accounts with them have never applied for anything through them and they agree upon discussion with them. But they can not provide any details or do anything about the inquiry. In short, there may be a credit card out there which I have not applied for being used by someone not me. I have worked hard to have perfect credit. And this unauthorized inquiry is now on my report, and maybe worse in ongoing. It is boggling to me that they can just say sorry we have no record of this when it is clearly in their systems and there is a hard record of their inquiry. They even called me with a potential fraud alert ( no idea how they got my cell phone number ). That is the only reason I knew it was ongoing. 

Inquiry details : JPMCB CARD Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX DE, XXXX
Product: Checking or savings account

I signed up for an account with Citi ... the rep I spoke with, XXXX XXXX, had issues with her computer system right as we were about to complete the 2 hour enrollment process. She then transferred me to another rep named XXXX to finish the enrollment. XXXX messed up the enrollment somehow signing me up for accounts that I had not spoken about and a different promotion altogether. She also messed up the funding of the account as well by duplicating the initial transaction to fund the account. This resulted in {$5000.00} being unaccounted for and a fee being assessed to my account. This apparently happened because the same exact check number was used twice. I called back in after several days and as luck would have it I re-connected with XXXX XXXX. XXXX assured me she would help to fix the issues. She would apply the correct promotion and convert the accounts to match the promotion. After another hour or two we disconnected with a plan to fix the issues. She did call me back as originally planned and instructed me to take the funds out of my recently converted account ( this way it could be properly funded per the promotion guidelines ). We ended that call with a commitment to reconnect in the first week of XXXX to properly fund the accounts. Unfortunately XXXX never called me and now the time frame to fund the accounts for the promotion has passed. I called again today and spoke with two people, one I can not recall and the other was a supervisor named XXXX who eventually hung up on me after I asked for his last name or initial. Needless to say he was not be able to rectify the situation. Their response was I had two options, close the accounts and try again in about 6 months ( 180 days ) or to fund the accounts per the promo and submit a dispute after the promotion time frame had ended and hope to get the promotional money.
Product: Checking or savings account

I lost my debit card approximately around XXXX through XXXX XXXX based on the last day i had it in my posession for sure. During XXXX XXXX and XXXX XXXX, My debit card was used several times more than XXXX miles away in Texas to charge over XXXX dollar of merchandise. Upon noticing the unauthorized transaction when i was checking my account online, i contacted my bank to report my card lost and stolen. The person on the other line made mistake and wrote that i had my card in my possession which was not true in fact I stated i dont have my card and that when i knew my card was stolen or lost and used by theives. XXXX weeks later i got a letter from claims dept that they denied my request because i stated the card was in my possession and the chip card are hard to clone so based on the false info that i had the card in my possession they denied my claim. I spoke over the next XXXX weeks with several member of claims dept telling them that first i never stated i had the card in my possession. from the letter that was the main reason for the denial. I was suppose to hear back from XXXX who were going to listen to the conversation i had when i first reported my card lost and stolen. Nothing happend with claims dept as they never bother to look into this huge error. I was told lie multiple times that someone from claims dept will look into this. A month later at beginning of XXXX, i contacted the corporate office of union bank to find someone to report my complaint against the claim dept and the lack of response from anyone from the bank. After a week, i was finally able to speak with someone that handle consumer complaint. They got access to the first phone call and agreed with what i had said about not having the card in my possession. They said the person made a mistake and they would fix it and reopen the claim so i can get my money back for the unauthorized fraud transaction. The case was sent to the office of the president because the claims dept still refuse to do anything with the denial case and now had a different reason to the denial. It appears they like to change their reason as new evidence surface about their lack of honesty, mistake and anything else that surfaces. The office of the president look at the denial letter which clearly states the reason for the denial based on false statement from the person that i spoke with. THey look at the tape of my conversation with XXXX or XXXX member of claims dept who promise me to look into the matter but never bother doing anything and never bother to call me as they promise about the claim. Someone at the claim dept are trying to cover their mistake by false and misleading statement because admitting to their error is worse with everything they have done to waste my time. I want my money they took from my account for those unauthorized transaction someone made on my debit card. THe bank is XXXX bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Credit Card Account Number : XXXX Reason : I was involved in identity theft. This account is not mine and is fraudulent please remove this account ASAP. 

Account Name : XXXX  XXXX  Date Filed : XX/XX/XXXX Type of Account : Auto Lease Account Number : XXXX Reason : This account is reporting inaccurate to my credit report. It reports to only Equifax and XXXX, not XXXX. According to the Fair Credit Reporting Act this account needs to be deleted due to the inaccuracy of not reporting to all three bureaus. 

Account Name : XXXX XXXX  XXXX  Date Filed : XX/XX/XXXX Type of Account : Credit Card Reason : This account is reporting inaccurately to my credit reports. It only reports to Equifax and not XXXX  and XXXX. According to the Fair Credit Reporting Act this account needs to be deleted due to the inaccuracy of not reporting to all three bureaus. 

Account Name : XXXX  XXXX  Date Filed : XX/XX/XXXX Type of Account : Installment Loan Account Number : XXXX Reason : This account is reporting inaccurately to my credit reports. This account is reporting to Equifax and XXXX  that this account is open but is reporting to XXXX  that its closed. I ask If this account be deleted ASAP because these mistakes are affecting my credit score.
Product: Credit reporting or other personal consumer reports

Good afternoon, first of all thank you for your time. 
you see I have fully paid 2 cars, currently paying another two vehicles, I have paid loans over XXXX and Im very responsible with my payments, I had a Exeptional payment history until now. 
on XX/XX/XXXX I returned an item using my Nordstdrom credit card, I was not informed by the nordstrom employee at the time on the retunning that there was a balance to be paid for this transaction, I did not received a reciept ( the store was about to close ) and when I ask. Is that it? refering to the transaction, the employee responded " you are good '' and I left with out a reciept. 
Since I had recently openned that account it was clear to me that that was the last transaction for this credit card. months later on XXXX I opened my experian account and I noticed that Nordstrom had flaged me as late payment, I called them, paid the balance of {$27.00} dollars and informed them that I did not received any type of notification regarding this balance and that I was not aware of this, the same day I open a dispute to remove this past due balance from my credit record since its affecting the opportunity of buying my first house, I truly believed that Nordstrom has some responsability for this late payment, they shoud provide a better traning to their staff members, and have to notity their customers when they are late on their payments. 
I wound never put my credit score on the line for XXXX dlrs, and I would be happy and continue to use their credit card if they can remove that from my record.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the date below : 30 days late as of XX/XX/2019 and 30 days XX/XX/ 2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statements did not get to me.
Product: Bank account or service

On XXXX XXXX and XXXX XXXX, there were bank accounts opened at Wells Fargo in my name. I did not open these accounts. There was also an application for a Wells Fargo Credit card in my name, unbeknownst to me. Even though I spoke to the Executive office at Wells Fargo on XXXX XXXX about this, accounts were opened again a week later. 
I went in person to the Wells Fargo bank on XXXX XXXX at XXXX XXXX at XXXX XXXX, XXXX XXXX and a case has been opened. I was told that all my information had been used. This is the only business that it seems my identity has been use since I am a former bank account holder with Wells Fargo. I want to hold Wells Fargo responsible for this breach in my confidential information and I want to have an police report and help with changing my XXXX Drivers ' license number. I also want Wells Fargo to pay for an Identity theft protection service to say the least this seems to be coming from their offices.
Product: Debt collection

I have two accounts from key bank on my credit report. Key bank sold the debt to XXXX XXXX XXXX but I just received a response from mercantile that says they havent had the debt since XXXX. Now it appears that key bank is just reporting it on my credit report without just cause to do so. This debt is also from XXXX so it shouldnt be on my report whatsoever. When it was sold to XXXX XXXX XXXX, I was being called and harassed all the time. On top of that, now the debt is just given to someone else? Terrible business practices.
Product: Debt collection

I am writing to dispute a collection account on my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other relevant consumer credit laws, including 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ). I am requesting that you investigate the following account and, if found to be inaccurate, remove it from my credit report in accordance with the FCRA.

Account Information : Creditor Name : Consumer Adjustment Co Date of First Delinquency : XX/XX/2023 Amount : {$640.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to lodge a formal complaint concerning severe discrepancies on my credit report that have yet to be resolved despite my previous attempts. The fraudulent entries include multiple accounts and inquiries that were not initiated or authorized by me. This is my third attempt to address this matter, and I demand immediate and thorough action.
Product: Debt collection

This debt with Global Lending Services, 3rd party creditor, and original contractor XXXX XXXX XXXX in XXXX, Oklahoma. The original dealership sold my contract without proper disclosure. I had my car seized without proper cause. I tried to remedy and the " creditor '' stated they would contact me within 48 hours. Instead the car was reposted within 48 hours without notice. The tow truck driver pushed me, kicked the car door shut, drove away without allowing me to get personal essentials within the vehicle. Payment remittance was sent to pay any outstanding balances. The " creditor '' said sorry we did not get. I am a XXXX XXXX XXXX and the SOCIAL SECURITY NUMBER was demanded 5 times by phone on XX/XX/2023. My consumer statement supplies information to remedy their violations. {$2000.00} per violation. I am a traveler not a commercial driver. I also requested ARBITRATION under the Arbitration Clause but denied as per contract.
Product: Debt collection

I HAVE NEVER RECEIVED ANY FORM OF NOTIFICATION FROM THIS COLLECTION AGENCY AND NOT GIVEN DUE PROCESS TO DISPUTE WHAT THEY STATE THAT I OWE. I RECEIVED AN ALERT FROM THE CREDIT BUREAU EXPERIAN STATING AN ENTRY WAS REPORTED TO MY CREDIT REPORT. I CAME TO LEARN THAT THEY WERE TRYING TO COLLECT ON A XXXX ACCOUNT THAT I HAD DISCONNECTED IN XX/XX/XXXX. THEY ARE STATING THAT THE DEBT IS FROM XX/XX/XXXX. I STOPPED USING THEIR SERVICE BECAUSE THE TECHNICIAN COULD NOT FIX THE PROBLEM WHICH CAUSED ME TO HAVE NO SERVICE WHEN IT RAINED THAT WAS IN XX/XX/XXXX. THEY HAVE RE-AGED THIS DEBT AND HAS KNOCKED MY SCORE DOWN BY XXXX POINTS. THE COLLECTION AGENCY IS ENHANCED RECOVER COMPANY, LLC OUT OF FLORIDA.
Product: Checking or savings account

XXXX    XXXX   rides equalling {$180.00}  XXXX  atm withdrawals= {$90.00} {$50.00} withdrawl fee {$13.00} withdrawl fee Checks I paid for but never used {$20.00} Original balance in the account {$12000.00} {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Equifax XX/XX/2022 to update this doubtful information. I think you have not authenticated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 

BANK XXXX XXXX XXXX, BANK XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2019 , my employer received an email from Apex Servicing with a Wage Assignment Demand Notice. The notice was emailed to my Human Resource department. I immediately contacted Apex Servicing who first stated that they don;t have me in their system. Then the lady stated that yes she found me and the loan is for XXXX XXXX. But my paperwork stated XXXX XXXX. She told me to contact XXXX XXXX becuase they have the write to garnish my wages. I tried contacting XXXX XXXX who address on their website is  XXXX   XXXX XXXX, XXXX XXXX, CA XXXX but on the paperwork it is XXXX XXXX XXXX, XXXX, UT XXXX. It goes on to state that I was notified on garnish but have not received anything via email or USPS. I asked for documents, no one could provide them. My human resource department advised me to do some research regarding the company. I discovered that Apex Servicing is not licensed at all. THIS IS A SCAM
Product: Checking or savings account

Chase bank has been advised on 2 occasions not to approve and pay for debit and credit cards transactions when there are not enough funds to cover the transactions. Their explanations is that recurring card payments are somehow different and that these types of charges can not be stopped from processing. A recurring charge of XXXX was processed through my account causing overdraft and extended overdraft fees on XX/XX/2018. I have not been able to resolve this issue with Chase as  they are committed to their policies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has " verified '' information to Equifax that is materially factually incorrect under the auspices of the US Federal FCRA. In order of appearance on my personal credit report ( PCR ) : 1. " Account type detail '' is blank ; thereby rendering it difficult for a consumer to address this supposed valid debt.

2. " Account status '' listed as " open ''. Elsewhere my PCR states this account is closed. 
3. " Date opened '' is allegedly XX/XX/XXXX. I opened no XXXX acct. on XXXX XXXX XXXX. 
4. " High credit '' does not correspond with any acct. I possessed at XXXX. 
5. " Credit limit '' denoted as " {$0.00} '' ... .ergo this acct. never existed as credit. How can the 'high credit ' be {$200.00} if there was no credit limit? 
6. " Date last active '' of XX/XX/XXXX ; a generic date provided solely to 're-age ' this alleged debt. If someone conducted business with this acct. XXXX of this year, it was not me, and ID theft may be involved, possibly internally at XXXX. 
7. " Date of last payment '' of XX/XX/XXXX ; yet another generic date potentially posted to re-age this supposed debt impermissibly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card account was charged off and sold to collection agency " XXXX XXXXXXXX XXXX ''. Account was settled and paid in full. XXXX XXXXXXXX provided letter of satisfaction. My original dispute was to update the credit bureaus to update as Payment after charge off/Collection settled - less than full balance. It currently shows Charged Off As Bad Debt. I have sent the letter with my disputes but XXXX will not update. 

I am currently involved in a new mortgage loan. The score is affecting my interest rate and down payment percent.
Product: Checking or savings account

My SS check gets direct deposited. I then pay my bills. I sent out 2 draft checks from my account, one was properly handed, the other was not. Then I noticed an amount that had been debited was credited back and redebited. The check in question presented after I had thought my account was in a positive balance and after I paid another bill leaving my account overdrawn. I was socked with 3 XXXX fees for the check. When I called about it, the bank employee cou ; dont get his story right regarding draft checks and personal checks. He refused to do anything about the overdraft status. I literally have zero money now to purchase food or go to the doctor. And that is because of this. I have documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my van. The van had a loan through our credit union- XXXX XXXX. The van is paid off however now the credit on our report says that it is a " Closed account '' and instead shows that the account was closed so this harshly is affecting our credit. We need this to be changed and show that a debt was paid off in full and successfully so this does not damage out credit score.