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

I opened a citibank checking & savings account at a citibank located at XXXX XXXX XXXX XXXX ny XXXX on XX/XX/year>. I deposited XXXX checks that day after my account was opened and I was issued my temporary card. XXXX check was for {$1100.00} from my job and the other was a certified check from XXXX  for over {$800.00}. The very next day citibank locked my account with no information or reason as to why. My family in Florida were in need of funds after the hurricane and I couldn't help them due to this happening the weekend of. I had a flight to board on the XXXX and this caused me a major inconvenience. Since that date I have been calling citibank and all I have been getting is that my account is under investigation and there is no more information that can be provided at this time and they proceed to disconnect the call. Since then they have closed my account and the last few people that I spoke to said i should get a letter in the mail. This was 3 months ago and still nothing. This is extremely frustrating.
Product: Checking or savings account

XX/XX/XXXX my card was charged XXXX for a hotel stay that I never stayed out I went and got proof from the hotel that it wasnt me the person who did it has a address that Ive never been associated with and I sent this proof in over and over my card was then charged XXXX on XX/XX/XXXX for apartment in Texas that I didnt apply for I like in XXXXXXXX XXXX I asked chime for proof of these transactions and they have no proof the dispute department is being negligent in the investigation they are conducting I have file XXXX disputes in this case about this matter that have cause me financial problems and emotional distress trying to get my money back i still dont have a card havent had one since XX/XX/XXXX when they canceled the card and sent another one which I have yet to receive
Product: Credit reporting or other personal consumer reports

I am writing for XXXX ( XXXX ) reasons : XXXX. To dispute certain information in my credit file ; and XXXX. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( XXXX ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My card was lost. There is transactions I saw on my statement made on XX/XX/2021 to XX/XX/2021. These were not made by me. I have try to dispute all these transactions with Bluebird American Express twice so far and they have deny me. They have taken almost 10 days both times to just deny me. I have open the dispute again a third time and need help. I feel like they are trying to keep my money. I have read so many reviews of them denying people 's claims for no reason when there is clearly unauthorized transactions. I had to get a whole new card because mine was lost. I'm just trying to get the funds back that were unauthorized between XX/XX/2021 to XX/XX/2021.
Product: Checking or savings account

On XX/XX/2019 I submitted a dispute with Huntington Bank for {$3200.00}. The payment was a car that purchased. The same day the car was purchased vehicle stop working. I advised the car dealership XXXX in XXXX, Ohio the issue and the car was returned. I never received my money back, the owner is not responding to the dispute, I explained to the bank that the car was a lemon, I no longer have the vehicle, the dealership has the car in their possession. The dealer lied about the issues with the car, lied about fixing the car upon agreement. After Huntington Bank investigation, they denied my refund. Again they did not hear back from the dealer, which right there is Fraud. The transaction is fraudulent. FDIC standard insurance amount is {$250000.00} per depositor, per insured bank, for each account ownership category. The bank is suppose to guarantee the safety of your money. And they did not honor that. FDIC insurance covers all types of deposits received at an insured bank ( Huntington Bank ), including deposits in a checking account. I was blindly robbed for my money due to fraudulent company.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of identity theft resulting from a data breach, and these accounts and inquiries were made without my authorization. 
Fraudulent Accounts to Be Blocked and Deleted : XXXX XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$2200.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$5900.00} XXXX CREDIT XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$2200.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$12000.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$11000.00} Fraudulent Inquiries to Be Removed : XXXX. XXXX XXXX  XXXX : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit card or prepaid card

Citi Bank closed my Costco XXXX card on the grounds I misrepresented them in disputes against merchants. I disputed this this claim with their Executive Response Unit. By closing my account Citi avoided paying my annual cash back rewards which were approximately {$980.00}. Citi never inquired with me about my side of the experience. Furthermore they ignored any documentation I had. Its very suspicious of the timing of this closure as it came just a week before my rewards were scheduled to be paid when my statement generated. Im fine with termingating my relationship with citi as I have a 800+ FICO score and can get another cloth another bank. I NOT OK WITH CITI ILLEGALLY SEIZING MY CASH BACK REWARDS. 

Please assist me in investigating Citi and my grievance.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with 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 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: Checking or savings account

I initated a transfer of {$5000.00} to Everbank on XX/XX/year>. I called Everbank about when the funds would be available in my account on XX/XX/year> and they responded that since it was a newly openned account it would take 5 days and my funds would be available on XX/XX/year>. All interfaces of Everbank showed on XX/XX/year> that the {$5000.00} transfer had completed and I had an available balance of {$5000.00}. 

I then attempted to link my Everbank XXXX account to a XXXX XXXX credit card to setup autopay for that credit card. I was unable to do so becasue XXXX XXXX does not work with Everbank and would not allow me to link an Everbank account for autopay on my XXXX XXXX credit card. Autopay is a necessary feature and I had a much smaller relationship with Everbank than XXXX XXXX so I decided to move all my money from Everbank. 

I then attmpeted to transfer my money from Everbank back to my XXXX account but was uanble to initate any transfer on XX/XX/year> despite the funds being presented as available since XX/XX/year>, however my checking account with Everbank was able to initate transfers to XXXX ( which had a balance of {$100.00} following the same timeline ). I then called Everbank customer service who was similarlly confused why I was unable to initate a transfer while being able to from my checking account. They presented the solution of closing my savings account and creating an internal transfer to my checking account. After which I would be able to transfer to my XXXX account, they prefaced that this would take XXXX days to complete. 

On XX/XX/year> I logged into Everbank and saw that nothing had changed and now I could no longer even initate a transfer from my checking account. I called customer service on XXXX and they claimed that they could not transfer any funds until they contacted XXXX XXXX again. I questioned why they would need to contact XXXX for a transfer that had already gone through and showed as avaialable funds. And said that they were waiting for a response from XXXX and they suggested that I could contact XXXX to speed up the issue. I asked why they hadn't followed up with XXXX and the agent said the person dealing with this issue when home and she did not know when they had contacted XXXX and she would email them to follow up on Monday. When asked why I wanted to transfer my funds outside of Everbank, I explained the issue with the XXXX XXXX credit card autopay which the agent could not understand. She kept repeating that " you can't link a bank account to a credit card '' or " just use bill pay '' failing to understand that I wanted to use autopay with my XXXX XXXX credit card. 

With no timeline or expected date of when I would be able to transfer the call ended. I still don't understand why an internal transfer of availalbe funds would require input from XXXX or why I can also no longer transfer externally from my checking when I was able to do so on XX/XX/year>. In summary I am extremely disatisfied with Everbank 's handling of my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX / XXXX XXXX is reporting a serious delinquency on my credit report. I tried to resolve the issue with XXXX XXXX when it arose. I was never aware of the charges, nor did I receive a statement. I requested documentation of receipts and never received any. I finally paid the bill. They are reporting that I was seriously delinquent and I have no idea what the charges were, what they were, or whether they were mine. 

According to comments on my credit report 1st delinquency was XX/XX/2018, first reported XX/XX/2018. It makes no sense to me. It was a relatively tiny amount, I have no late payments on any other accounts. 

I am not and was not aware of any charges on this account
Product: Mortgage

I had requested Loan modification under HAMP program in XXXX for both my mortgages with XXXX XXXX XXXX. 
XXXX  XXXX XXXX did not follow the Federal Guideline under HAMP Program and made several error at the time of modification including but not limited to : 1 ) Loan to Value On the HUD and IRS website, under HAMP, if a mortgage loan is being considered for a HAMP modification and if the ratio of the amount owed to the value of the home is greater than 115 percent, then the servicer must consider whether a Principal Reduction AlternativeSM ( PRA ) principal reduction should be effected as one part of the HAMP modification.

In the modification analysis prepared by XXXX  XXXX XXXX employee, XXXX XXXX on XX/XX/XXXX, the LTV was 147.53 % which is greater than the 115 % stated in the rule. XXXX  XXXX XXXX did not reduce the principal and in all documentation that I have this was not considered. The rule states that the servicer must consider principal reduction as one part of the modification there is no showing or indication that principal reduction was considered during my loan modification. 
2 ) Debt to income ratio On the HUD and IRS website, under HAMP, a participating loan servicer must consider a sequence of modification steps for each eligible homeowners mortgage loan until the loans monthly payment is reduced to 31 percent of the homeowners verified monthly gross ( pre-tax ) income. Sometimes, a change in the mortgage loans interest rate is sufficient to reach the 31percent target. Sometimes additional modification steps of term extension or forbearance are necessary as well. 
In the modification financial analysis the numbers provided by XXXX  XXXX XXXX calculated the Debt to income ratio at 44.68 % instead of meeting the 31 % reduction required by the HAMP guidelines.

Although they extended the term to 40 years the calculations did not arrive at the required 31 % and in that case the forbearance option should have been applied to reduce it to that number.

3 ) Failing to include the 2nd mortgage in modification.

On the HUD and IRS website, under HAMP Second Lien Modification which provides modifications and extinguishments on second liens when there has been an eligible first lien modification on the same property.

Here there was an eligible first lien modification on the property, and I was never provided with an option to extinguish or modify the second. Throughout the modification process I included the loan number for the second to have them both modified and it was never addressed. 
Real Time Resolution did not provide copies of notices of bill as requitred by law to my home address/property address. I was served with forclosure notice in XXXX of XXXX only by their attorney XXXX XXXX to my home address. 
Now my house is under foreclosure from Real Time Resolution for the 2nd Mortgage.
Product: Credit reporting or other personal consumer reports

**FORMAL DISPUTE - DEMAND FOR REMOVAL OF INACCURATE INFORMATION** Social Security Number : XXXX To Whom It May Concern, This letter serves as a formal demand for the immediate removal of inaccurate, unverifiable, and unauthorized information from my credit report, in strict compliance with federal laws! Under the Fair Credit Reporting Act ( FCRA ) and other pertinent legislation, I have the indisputable right to maintain an accurate credit report and to dispute any entries that lack legitimacy or proper verification XXXX XXXX - FDCPA Section 807 Violation Misleading - Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. 
XXXX XXXX Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. 
As the original creditor, only I can validate this debt. I do not validate this debt. 
Incorrect Name - XXXX XXXX  This personal information is incorrect AND HAS TO BE DELETED FROM MY CREDIT REPORT. 
# # # Legal Basis for Dispute and Unyielding Demands : **1. FCRA Section 605B, 15 U.S.C. 1681c-2 - Block of Information Resulting from Identity Theft** In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), I am formally demanding the immediate blocking of the aforementioned account as it is a direct result of identity theft. 
Enclosed
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has placed a security freeze / fraud alert on my credit file without my express written or verbal authorization. Which has hendered my ability to be approved for credit, receive credit line increases, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 reporting or other personal consumer reports

On XX/XX/XXXX at XXXX XXXX  I was on a recorded call with experian representative. 
who told me that she was unable to temporarily lift my security freeze due to conflicting information on my consumer report. Once I told her that this was an inconvenience to me and what I needed to do. For reasons that have nothing to do with me I am unable to access my consumer report The vendors are unable to access my consumer report. This puts an involuntary freeze on my life. This is a federal crime on multiple levels and a federal lawsuit. 

Next internal information connected needed to be combined, this would take 3 to 5 business days. I explained to the rep. that 3 to 5 business days absolutely holds up progress in my life. She also stated that she put in a complaint as well. 

This also explains why the first rep hung up on me and why I have not been able to access my account online for months.
Product: Payday loan, title loan, or personal loan

Hi, I have filed a report against this company and filed a report with Visa. They have withdrawn money from my account first my debit card and then processed through my bank account and withdrew money twice. One day was a scheduled payment and the other day was on a day that was not authorized. There was no notification that was sent to me that they were going to withdraw another amount from my account two days after they withdrew money for the loan payment. I filed a dispute with Visa and they filed back and stated they have every right to withdraw when they want. I never signed paperwork stating that they can just withdraw money from my debit card whenever they want. It states clearly in the contract if they cant withdraw from the checking first then they will withdraw from the debit card on the account. Which they already withdrew from my checking and then ran it through my debit card.
Product: Credit reporting or other personal consumer reports

I have spoken to the BOA regulatory XXXX in relation to the instant complaint and requested they validate their claims leading to the REDUCTION in XXXX BOA credit card limits. Despite having requested same TWICE and now the THIRD time, BOA simply provides with a self drafted letter BUT NO EVIDENCE on ALLEGED : Too many inquiries in the last 12 months Serious delinquency Although BOA has provided it's own statements that confirm I HAVE NEVER BEEN LATE OR MISSED A PAYMENT ON EITHER ACCOUNT -- this helps cement my claim to RESTORE MY CREDIT LIMITS so I may operate my businesses without impedements.
Product: Credit card or prepaid card

Since they reported the transactions to me, I've tried contacting Barclays Financing Mastercard multiple times, both online and via their phone number. I've waited on hold twice for over an hour, and both times they dropped the call without talking to me. Their online " help '' keeps telling me to call their number.
Product: Credit card or prepaid card

Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. 
Improper account spending limit change Company ( American Express ) Saturday, XX/XX/XXXX at approximately XXXX XXXX  I had XXXX dollars of available funds in my account my spending limit on my card was before XXXX XXXX  that day and the time before was XXXX dollars. I've been with American Express for a few years and have made every payment on time, and have never been late. As I stated above my spending limit was XXXX dollars I had an available fund of about XXXX dollars before XXXX XXXX. After XXXX XXXX  I noticed a change in my spending limit and a change in my available funds as stated my balance on the card was XXXX and my spend limit was XXXX the card had gotten me through buying all the necessities for my home but I still made sure I paid the minimum balance. Recently my goal was to start paying the card off in big chunks my XX/XX/XXXX - XX/XX/XXXX statement was XXXX I then paid XXXX on the card with put my XXXX XXXX XX/XX/XXXX adjusted balance to XXXX the list of payments I submitted on my account was a payment for XXXX on XX/XX/XXXX, On XX/XX/XXXX I made a payment for XXXX, and the XXXX dollars that I made before my statement for XXXX XXXX XX/XX/XXXX. I called American Express because they change my spending limit but could not for some odd reason where the XXXX dollars I had in available funds went because I paid XXXX dollars on my card of money that I put back the card which means if I pay it back I can now use it but no one can tell me where my funds went and now my account is left at XXXX dollars from just had a fund of XXXX no matter if American express refreshes your spending limit you already paid on the card for the refresh and had those available funds so they should not be taken AT ALL. I was left with the same statement balance and a lower s [ ending limit and they had no clue when I contacted them multiple times on the same day XX/XX/XXXX where XXXX dollars vanished too because there was no indication of it at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I submitted an FTC report to all 3 credit reporting agencies becuase of fraudelent information. Both XXXX and XXXX removed the items but Transunion did not remove the items. Fast forward I called in XXXX of XXXX Transunion to ask why they never removed the information from my consumer report they told me they apologized and I spoke with a rep named XXXX who assured me that the items would be removed within XXXX business days. When I called back in 15 days to find out the items where never removed. I spoke with a manager who said she couldn't help me all she could do was open up a dispute even after I told her that I spoke with a rep named XXXX and he assured me that the 2 items would be removed within 7-10 days. The 2 items in question are XXXX XXXX XXXX XXXX and XXXX XXXX Bank. The fact that Transunion assured me that these items were going to be removed but then never did has caused me great pain and has prevented me from getting the items that I need for household and family purposes. Basically Transunion has caused me to not be able to obtain credit to buy the bare necessities like furniture, groceries, credit to be able to buy a car to get my family around. I have 3 kids and we have had to walk everywhere and that has caused me to experience extreme pain and turmoil in my life. It has caused a tremendous stress in my life and has caused me to lose vision out of my left eye. Now i am almost certain Transunion does not want medical issuses to be on there plate as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681s- Responsibility of Furnishers ( B ) Duties of Furnishers of information upon notice of disputes ( D ) if the investigation finds that information is incomplete or inaccurate report those results to all other consumer reports agencies to which the person furnished the information and that compile and maintain files on consumer on nationwide basis So I feel unde FCRA my rights being violated because the account listed below was deleted off XXXX but not all XXXX credit bureaus everybody did a investigation why is it not deleted on all credit bureaus account listed below # XXXX XXXX XXXX XXXX XXXX My family is being stop from moving into a home do to the inaccuracies not reporting accurately acrosss all three credit bureaus 15 U.S.C . 1681