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

There are several problems with this bank and they are impossible to communicate with. 1. I am being charged for all incoming/outgoing wires. I was never informed of this before the transfer of my account from XXXX  to Citizens. Prior to Citizens there was no fee for wires 2. Supposedly I can not deposit more than 50,000 a month on my mobile device. This is a problem as I can not walk to the bank every time I want to deposit more after that. 3. When I deposit checks at a branch, since the mobile app does not work, I need to be Able to see the deposits online. 

I spoke with someone on Saturday about these issues and they were unable to help. They told me someone would call today at XXXX and nobody did. 

These problems need to be resolved for me to stay at Citizens bank or else there is no point as the offerings are uncompetitive.
Product: Credit card or prepaid card

On XXXX XXXX, 2018 I received an email from Citi Bank that they decreased my credit limit! In fact, this impacted and affected my credit score greatly! In the meanwhile, I contacted a representative and I was told that the decrease was due to a credit report change! So I contacted XXXX and they told me that my credit score went up and they could see no reason other than maybe that an account was closed! So I contacted Citi Bank once again and was then told that my account was decrease due to some information from XXXX! I then contacted XXXX once more to be told that they had no control over whether Citi Bank decreased or increased my credit limit! Overall this is affecting my credit score and other creditors from giving me credit! This is unfair and against the fair credit act!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was impacted by a recent natural disaster. Per the XXXX XXXX which came into law during the pandemic, a business is not allowed to report consumers to credit agencies as LATE they are suppose to keep account listed as current and they are also not suppose to charge any late fees. I have reviewed all my credit reports and I have made the business aware that they have reported my account delinquent since I was late because I could not work due the coronavirus. They are not trying to fix the problem and remove all late and late fees from my credit reports and account. 

# XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Citi Bank had reported 30 day past due on my account for XX/XX/2021. I was never late. Payment shows I made all the payments on time, therefore an error had occurred and needs fixing. Statements had been requested since they don't offer statements older than 24 months.
Product: Checking or savings account

i deposited a check payment in the amount of {$65000.00} on XX/XX/2024, chase bank closed my bank account because they suspected this deposit as fraud, and never returned the money to the check maker and neither cleared the money to me. 

i have contact chase mummers times and not getting anywhere. 

ty
Product: Credit reporting or other personal consumer reports

This is my new attempt to dispute the inquiry in my credit file which resulted from a faulty credit reporting. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from a faulty credit reporting, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX XXXX XXXX XXXX Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from a faulty credit reporting. I do not consent to E-OSCAR or any means of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD Auto Finance XXXX XXXX XXXX XXXX 
Balance is incorrect - Shold be XXXX Dates are incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$420.00} XXXX XXXXXXXX Balance : {$420.00}
Product: Credit reporting or other personal consumer reports

I XXXX XXXX am sending this information personally and on my own behalf. The account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Account No. : XXXX is being reported to the Credit bureaus incorrectly and without my consent and therefore should not be on my consumer report. 15 USC 1681 states that I have a right to privacy and section two of that same law 15 USC 1681 Section 602 section 2 states that a consumer reporting agency can not furnish an account without my written consent I HAVE BEEN VIOLATED AND DEMAND THAT THIS ACCOUNT BE REMOVED. XXXX XXXX XXXX can not produce any documentation proving that I ever had a contract with them, in fact they can not produce any signed contract with my signature. XXXX EXPERIAN AND XXXX did not verify any of this information before publishing this information which is another violation of my rights. Also if a consumer disputes the validity of a debt or any portion of a debt the collection agency must cease collection of the debt. ALSO BILLING STATEMENTS ARE NOT EVIDENCE OF A DEBT and providing statement is not validating a debt.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, a money transfer was processed for our relatives.

The company used for this transaction was Western Union.

After Western Union confirmed the money being deposited into the receiver 's account, the money was NOT accessible because the deposit was never made!

The Bank in XXXX, XXXX has no record of the money being deposited into our relative 's bank account.

After contacting Western Union and speaking to multiple customer service representatives for a period of over three weeks, Western Union say there is nothing they could do to retrieve or reverse the transaction so that we could get our money back.

I also tried to get a hold of the Corporate Offices and speak to a higher authority and it is impossible!!

Today it is XX/XX/2019, a month later and no news of where our money is!
Product: Credit reporting or other personal consumer reports

There are several inquiries on my consumer report that I did not consent to. These inquiries being furnished on my report by EQUIFAX do not have my written authorization or permissible purpose pursuant to the F.C.R.A and are in violation of XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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

I have been disputing XXXX XXXX XXXX XXXX  on my XXXX  and Equifax report for over a year now. Each month they are reporting 2 separate accounts for the same lease. XXXX and XXXX. I have contacted original creditor the true balance and they have added on about XXXX dollars to the bill. I have asked several times for them to validate the debt but they never send me anything. The Date of First Delinquency XX/XX/2019 is not correct they have RE_AGED the accounts, Also XXXX XXXX XXXX XXXX is reporting these amount each month past due. Collections can have balance but no Past Due Amounts or Payments. My rights have clearly been violated and I want these 2 accounts Delete.
Product: Debt collection

PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Mortgage

From XXXX to XX/XX/2018 the lender, in 19 telephone calls, lied 18 times. They told the truth in call 19. They were pretending to entertain the possibility of loan modification. This was false, they admitted on the 19th call. I then sold the house in XXXX. They were told this and refused to cooperate with a payoff amount for four months. then they foreclosed on XX/XX/2018.
Product: Checking or savings account

DATE : XX/XX/XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX / XXXX XXXX XXXXXXXX FLORIDA XXXX XXXX CitiBank Account Number ending : XXXX Debit Card number : XXXX Citibank XXXX : XXXX XXXX XXXX, XXXX XXXX FL XXXX, XXXX Citibank branch number : XXXX Re : account frozen and false information reported by Citibank on my account. 

On XX/XX/XXXX I signed online in my Citi account and noted my account for travel notice from XX/XX/XXXX to XX/XX/XXXX and received confirmation. On XX/XX/XXXX I made a domestic wire transfer from my Citi Priority account in the amount of {$33000.00} into my Citi Business account. I received 3 different calls from citi fraud department, they verified every detail and told me the restriction was successfully lifted. On XX/XX/XXXX I received an email from citi bank that the wire transfer I made in the amount of {$33000.00} was canceled ( Reference Number XXXX ) The reasons for the cancelation were we are unable to reach out to verify the information you provided ) INCORRECT and false information was reported by Citibank. I verified 3 times over the phone every detail you can possibly verify. From XX/XX/XXXX I was calling Citibank daily sometimes 2 times a day to get this fixed and they were simply refusing to help me with anything, no matter how much I provide verification about myself. Citi bank claimed to protect their customers and they did completely the opposite. 

My account was frozen, my debit card was locked, and my online access was locked too while traveling with my family in XXXX for the XXXX. Citi bank completely shut off access to my only money and cause me huge financial losses and damage. On XX/XX/XXXX I receive a letter that my account will be closed within 60 days. Also, Citibank offered in the email to request my funds to be delivered to me sooner If I choose to, I did and Citibank failed to respond this is the message from the Citibank email we will send any funds belonging to you to this address, once the account is closed. If you believe these funds should be sent to you sooner than the expected closing date, please visit your local branch or call the number on the back of your ATM/debit card I did call and request my money to be mailed to me sooner, and Citi again failed to comply with their policy. I no longer want to be a Citi bank client, and want all my available funds to be mailed to the address on file ASAP. Citibank violate all my rights, reported false information, and keep XXXX my money. Citibank is committing a crime by reporting false information about me, and my account and keeping my money XXXX. 

Again, Im requesting Citibank sent all my available funds to the address on file ASAP before the account gets closed, this option was offered to me by Citibank, in their email. 
Sincerely XXXX XXXX
Product: Debt collection

We were on an automatic payment plan however our checking account was automatically closed due to hacking. Called IC to explain why they could not get payment and tried to setup plan with new account information and women stated that could not be done and I had to pay in full. She was very rude and would not put on supervisor. I finally gave up and said I would call back. I called back at a later date and setup the automatic payment with the new information with no problem. However, just realized they sent our account to the credit report. Called back and spoke to a women and she explained why and just insisted I should have paid the bill. She would not listen to me and I asked to speak to someone else and she refused. She actually hung up on me. I dont know my legal rights but they never sent a notice that this account was going to be sent to my credit report. Please help get this off my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XXXX of 2022 an unknown individual or individuals hacked my PayPal account and sent XXXX obviously fake people money totaling {$5200.00}. The money was withdrawn from my XXXX checking account, and my XXXX XXXX XXXX account. All of these transactions were in CAD and were for either {$100.00} CAD ( {$83.00} USD ) or {$100.00} CAD ( {$86.00} USD ). In addition, all had a note attached that said " Good Morning ''. The email address and names are patently fake and have no correlation to one another. I filed a police report. Both XXXX and XXXX XXXX reversed the transactions. 

PayPal reversed most transactions, except for {$1000.00} which they denied claiming the fit my prior transactions which is absurd as all the transactions were the same. In addition, I do not send private individuals money using PayPal. I use PayPal to purchase car parts for my business and personal car collection. PayPal has locked my account and continued to attempt to withdraw funds until I put a stop payment on them. Now PayPal is sending me collection notices for the {$1000.00}. In addition, I can not use my PayPal credit account.

I sent emails to several of PayPal 's executives with no response and also mailed a demand letter. I have appealed their " de
cision '' with no success.

PayPal has a long history of this behavior and of scamming thousands of consumers out of tens of thousands if not millions of dollars. In addition, their Terms of Use limits class action suits and forces consumers into arbitration. I demand that the Consumer Financial Protection Bureau put a stop to this predatory, unethical company as this has gone on long enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX closed accounts XXXX and XXXX on my credit report. I am not sure why if they are closed. The credit bureaus has said they VERIFIED the information and if so the XXXX account according to a XXXX rep was started in a state I dont even live in GEORGIA so Im not sure how it was verified as me. The XXXX account is closed and needs to be removed. The additional complaint sent to the bureau should arrive by Thursday.
Product: Vehicle loan or lease

Please help assist me, I'm paying on a loan that is not listed correctly on my credit file. I have sent several request and there has been not one response back. 

The account is listed as follows CAPITAL ONE AUTO FIN - XXXX Furnisher : CAPITAL ONE AUTO FINAN The account states " Profit and loss write off '' however I am paying for the car. Please help me get this corrected and or removed
Product: Credit card

I 'm a long time highly qualified Wellsfargo customer came from Wachovia and in the last month chose to participate in an application for a credit card at a local branch here with a XXXX XXXX XXXX. 
I was informed that I was declined for the credit card despite my XXXX credit score and very healthy balance at your bank that made little sense. I was told to await a response for the decline and explanation and I did as instructed as the explanation for the decline was vague- I did n't honor a commitment as agreed upon in the last 2 years so I had been working w the branch assistant mgr XXXX XXXX who informed me of a loan modification or short sale purchase a negative inquiry on my credit report pulled by experian. I actually called all beureaus knowing that was a mistake and I have a copy of each of my XXXX-XXXX page credit reports on hand and documented conversations with the bureaus informing them of wellsfargo decision to decline me for a credit card where I had them cross reference my reports in case I was illiterate as there was nothing of the sort to indicate any commitment I 've ever made and not paid, nor any modification but further no documented negative record from XXXX nor XXXX all of which I have on record. I 've called Wells Fargo customer service who insist that 's not what they see, the bureaus do n't lie and I find this to be highly offensive but still I have patiently worked w XXXX XXXX whose instructed me that he 's escalated the manner as theirs zero evidence to support the contentions behind the decision to decline my credit.. Both bureaus have instructed me to have this investigated and that is now what I fully intend on doing as I 've given ample opportunity for Wells imaginary bureau with such contentions to resolve that error but instead I 'm further ignored burdened with coming into the branch w my documents of proof. I have mine and the burden is on Wells now as I 'll make it a personal mission to proceed with the mishandling and continued disregard of error and lack of ownership and report this to any and all governing institutions to create awareness.. Again I have both my discussions w the bureau and ur staff member on record.. 

FYI- complaints and investigations forthcoming at this point just for starters.
Product: Checking or savings account

On XX/XX/2024 Bank of America closed my account and I dont why Im have only 6 months in USA I dont know nothing here Its unfairly No reason for me Because Im clear Im new in the state I just want to know whats happen If my name my social security was hacked
Product: Credit reporting

Date : XXXX/XXXX/XXXX To Whom It May Concern : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX, XXXX XXXX Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my personal credit reports. As you will see bellow, my correct identification information for your records : PLEASE UPDATE MY CORECT ADRESS TO MY FILE XXXX XXXX XXXX ss # XXXX dob XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have also included the following minimum XXXX ( XXXX ) proofs of my current mailing address Sincerely, XXXX XXXX XXXX ss # XXXX dob XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I discovered a lot billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX & XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX XXXX Balance Owed : {$610.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$460.00}. I previously requested that you remove send me with copies of proof of verification or the results of your investigation to support your claims that the disputed accounts are indeed investigated or verified. Without these documents, immediate correction of the disputed accounts are expected.
Product: Credit reporting or other personal consumer reports

Recently I reviewed my account and found inquiries on my report I dont recognize. 
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

On XX/XX/XXXX I was on my way to get gas and my card wasnt working. I go to check my account and found I could not log in. I checked my email and not less than an hour ago they closed my account without notice. I just got paid the night before and I put {$400.00} in my savings after I paid my car note. So now not only do I not have gas money but I lost my savings too. I use that account to pay my bills and rent and now my whole life has been disrupted.