23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XXXX I scheduled a XXXX payment from my Citibank account for {$2200.00} to be paid on XXXX. I received a text message confirmation of this transaction. For scheduled payments XXXX sends a reminder text message 1 day prior to the payment date, so they sent me the reminder text message for this transaction on XXXX. 

But then on XXXX, instead of taking {$2200.00} out of my account as I had requested, the transaction was duplicated and there were 2 different payments made from my account for {$2200.00}. So XXXXCitibank removed {$2200.00} more from my account than I had authorized them to do ( and {$2200.00} more than the text message confirmed they were going to take out of the account ). I immediately called Citibank to ask them to fix the problem and they said they couldn't fix it immediately and they would have to open an investigation ( I have no idea why they claimed they couldn't fix it immediately - the transaction was still in " pending '' status at the time ). They ultimately sent me a letter in the mail saying that their investigation showed that nobody had obtained unauthorized access to my account so they would not return the money to my account. I'm not sure why they spent time investigating unauthorized access to my account as nobody suggested that was an issue ; the issue was that their software duplicated the transaction. 

So I called Citibank again, once again explained what had happened, explained that I had text messages proving that I had only authorized 1 transaction, and asked them to conduct the investigation while I was on the phone so I could show them the incontrovertible evidence that I had only authorized 1 transaction and they had incorrectly duplicated it. Citibank initially refused to do the investigation while I was on the phone, but ultimately after speaking to a few different people I spoke to someone who looked at what had happened, said it was obvious that the Citibank had incorrectly duplicated the transaction, and told me that the money would be returned to my account. However the money still has not been returned to my account and I received another letter in the mail saying that the money wasn't going to be returned to my account. 

So at this point Citibank has now stolen {$2200.00} from my account because of a bug in their software, lied to me about returning the money, and wasted a huge amount of my time trying to get my money back. I would like the money that was incorrectly taken from my account to be returned and I would like to stop wasting my time dealing with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account with XXXX  and the collector on XX/XX/2019 but they keep verifying it. Portfolio Recovery Associates LLC attempts to collect {$16000.00} on the account that they can not provide enough proof that they have the right to collect. I wrote them asking to validate the debt but they keep sending me a computer printout which does not make any sense. They keep trying to collect and keep reporting the account without being able to verify it. They hurt my credit and I can not qualify for any loan.
Product: Checking or savings account

Date it started XXXX XXXX & they took XXXX and the company said they couldnt do nothing since the transaction was done online and there was no errors or mistaken done. But I never did the transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Experian, XXXX and XXXX all stated that account number ending is XXXX was accurate as well as complaint. After looking further into my credit report I noticed that All 4 Failed to provide me with the utmost accuracy and compliance that I needed in my credit file as it affects my every day life. Account Number XXXX XXXX XXXX XXXX XXXX XXXX Date of First Delinquency IS WRONG. Creditor Classification IS MISSING. LATE PAYMENTS ARE INCORRECT BECAUSE there isn't any late payments reported only 11 months of charge off Please Remove Charge off and Mark paid as agreed or Delete from my Report Section 607 ( b ) of the FCRA provides that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.In some cases, such as when certain account or other information fields on consumer reports are logically inconsistent with other fields of information, a consumer reporting agency can detect the logical inconsistencies and prevent the inaccurate information from being included in consumer reports it generates, thereby avoiding the consumer harm to individual consumers that can result from reporting such inaccurate information.In addition to provisions authorizing Federal and State enforcement, [ the FCRA contains two provisions relating to civil liability to consumers for noncompliance. Section 617 provides that any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the consumer 's actual damages, and costs and reasonable attorney 's fees.Section 616 provides that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to actual or statutory damages of up to {$1000.00} per violation, such punitive damages as the court allows, and costs and reasonable attorney 's fees.A violation is willful when it is inconsistent with authoritative guidance from a relevant agency.
Product: Credit reporting or other personal consumer reports

I am sure yo u are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions.

As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the account in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 
ACCOUNT : XXXX XXXX.
Product: Debt collection

I am writing to formally dispute and express my concern regarding fraudulent activity involving my XXXX XXXXXXXX account that appears to have been replicated or misused by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have identified unauthorized accounts or transactions under my name that I did not open or approve.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were reported as late payments to transunion, XXXX, and XXXX. XXXX and XX/XX/XXXX late payment I reached out to XXXX and advised them as a goodwill can they potentially help me with the removal of late payments I had problems with payments being double processed and not taking out with my bank which I shouldnt be held accountable for XXXX  didnt work to help me and Im seeking help again to have late payments removed XX/XX/XXXX and XX/XX/XXXX payments shouldnt be reported late they setup a deferred payment to prevent being reported I also paid XX/XX/XXXX and XX/XX/XXXX payment before the 30 day mark which shouldnt be reported as late
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX & Account # XXXX XXXX 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 : also states a consumer reporting agency can not furnish an account without my written instructions!
Product: Checking or savings account

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Dear Consumer Financial Protection Bureau, I hope this correspondence finds you well, I am writing to formally lodge a complaint against Bank of America concerning the abrupt termination of my account without prior notification or justification as well as their obstruction of lawful transfers. 

My account particulars are as follows : Account Holder : XXXX XXXX Account Number ending in XXXX on Friday XX/XX/year>, my personal account with Bank of America was unilaterally terminated without any prior notice or explanation. Despite multiple attempts to obtain clarification from the bank, I have not received a satisfactory response. This has caused significant distress and uncertainty regarding my financial standing and stability at Bank of America. 

Additionally, I attempted to transfer funds from one of my other accounts to my personal account at Bank of America. However, I faced active obstruction from Bank of America, which seems to be preventing clients from conducting any transactions other than those that benefit Bank of America, such as extending credit to them or dealing with their approved banks. I believed my account was personal, but now I'm unsure about it's nature at Bank of America. This conclusion has raised serious concerns about the management and security of my funds. 

Furthermore, I am increasingly concerned that Bank of America XXXX be unable to meet it's obligations to depositors or creditors. The value of a bank account is not solely reflected by the current balance ; it can also include other factors such as accrued interest, pending transactions and any investments linked to the account or profit generating schemes such as fractional reserve banking. This adds to my apprehension regarding the security and management of my funds. 

XXXX Bank of America has used my service agreement to restrict certain actions or limit my ability to transact on my personal account. However, since I signed this agreement on my own without any negotiation, it is neither appropriate nor legally valid for Bank of America to enforce it. This behavior is misleading and deceptive.
Product: Credit reporting or other personal consumer reports

XXXX is reporting my XXXX XXXX as a XXXX however there is absolutely NO information on my credit report aside from that. As a result, my new start-up business has been suffering because I continue to get rejected for funding based on this score. 

According to my rights, XXXX should NOT be reporting any score if they do not have my records. Additionally, per your own information, there have been disputes that were closed on the credit bureau that say they were resolved and clearly they have NOT because there is no record of them on my XXXX report. 

XXXX of the disputes about my name change states that they were happy to tell me that my name was changed however, it is not even provided on the report so how would I know. Additionally, the letter that states it was changed states Dear XXXX XXXX and goes on to state that my name has been changed to XXXX XXXX. 

My name change was a court order for safety as my XXXX perpetrator IS an XXXX XXXX XXXX I need ALL previous names removed from my file. How does ALL of my information get wiped from a credit file while XXXX has everything and Transunion has all of my demographic information and my debts completely wrong?
Product: Checking or savings account

Monies were owed to me from XXXX. The monies were placed back into the personal checking account ending in XXXX by XXXX over 2 months ago. This was witnessed and discuss by a Ms. XXXX, Capitalone Bank Personnel and a supervisor from XXXX. He replaced the funds back. This replacing of the funds took from 1-2 months to be replaced, because The New XXXX XXXX. had been just acquired by the XXXX XXXX, XXXX (? ), XXXX on approximatelyXXXX or XX/XX/2018. I believe the date isXX/XX/2018. The previous Call cCenter in XXXX left the new company in shambles, confusion, incomplete orders, and other transactions that were in chaotic confusion. Since new personnel had been hired in the U.S., they had to go through many continuous transitions for months to bring the new company into a resemblance of order that was far from being complete. Often, there were nice people to work with, but continued miscommuicatipn. A few months later in XXXX, XXXX ( or XXXX? ) 2018, the monies were placed backed into the account. Ms. XXXX worked with me and XXXX, especially the supervisor, during the days of processing. The monies had been placed into the account, but Capitalone Bank did not remove the conditional credit of funds. This is in reference to personal checking account ending in XXXX. 
On today, XX/XX/2018, they finally removed the XXXX XXXX ( {$88.00} ) without notifying me verbally with rapport between another bank high level employee and I. This has been consistent and repeated behavior of Capitalone Bank for more than 2 years to wait til the customer gets to a low level amount in their account and then take out the conditional credit so that the customers account will go into a minus account with acquiring additional penalty fees ( to become overdrawn ). This puts the customer in a hole that is hard to climb out of. tThis continued practice affects me as a person with XXXX ( ADA ) to be able to purchase medicines, food, and other needs for trying to maintain at a higher level. Therefore, I must do without medicines, food, and other needs ; therefore affecting my health and quality of life is greatly. This behavior of cCapitalone Bank is likely to occur again and again, since their past behavior has shown this. They have never been held accountable for this behavior, thus showing NO RRMORSE. They do not value me as a customerperson. especially since I utilize their services, help to pay the salaries of their personnel and the Bank uses my money to invest in other projects where they get surplus incomes and dividends. The mission statement of Mr. XXXX XXXX, CEO/President and Founder of Capitalone Bank and Capitalone Financial Services, has a number one mission statement concerning vital, important, professional, and correct communication. Even though there are good people that work at Capitalone Bank, this mission statement is not always followed and is rather lax. If a customer requests periodic and continued communication concerning a process and a transaction ( s ), VERBAL communication is often ignored. The frequency of this occurrence is too numerous and too high.
Product: Student loan

XXXX refuses to lower my payments to a reasonable amount for my income level. Ive never missed a payment but also have never been able to pay the full amount.
Product: Credit card

On XXXX I ordered 2 cases of iced tea from XXXX XXXX XXXX in the amount of {$65.00} on Capital One credit card. 

I never received the iced tea order. I tried to reach out to XXXX XXXX multiple times inquiring about my order and its status. XX/XX/XXXX and XXXX ( via XXXX & email ) I never got a response. 

So I filed a dispute with Capital One who temporarily gave me a credit for the charged amount. 

Yesterday I received a letter from Capital One ( XX/XX/14 ) saying they sided with the merchant because they provided proof that I received the order. I called Capital One today to ask them to provide what proof the company gave them of this, and they weren't able to provide any proof that it was shipped to me. 

XXXX XXXX is no longer in business which probably explains why I never got my order. XXXX XXXX XXXX ( link is no longer working ). 

Other customers are complaining of unfilled orders as well on their XXXX Page ( XXXX  : XXXX )
Product: Vehicle loan or lease

I was involved in an accident in XXXX which totaled my vehicle. My car insurance paid off {$3300.00} of the car, leaving me owing {$4400.00}. When they received my insurances payment, Santander took it upon themselves to lower my monthly payments instead of using that amount to cover x amount of the loan, leaving me to still have to pay for the next 3 years. Also because of the accident, it has left me in a position where Im making significantly less money. I contacted the company prior to my payments being late, and asked about deferring my loan for 3 months to get myself caught up, but I was told that I must be in default before they would be able to look into a deferment for me. When I was 30 days past due, I requested a deferment again, only to be told that I do not qualify without any explanation as to why. I have had my car loan with them for over 4 years, and have always made my payments on time. Now this is effecting my credit score, and I dont know what to do since Im so far behind that its goihg to continue to reporting 30 days late until I can pay 2 months in a row.
Product: Debt collection

Letter was sent by JEFFERSON CAPITAL calming a debt of XXXX  XXXX XXXX checking account. I dont have an account with XXXX  XXXX XXXX .... I called XXXX  XXXX XXXX to verify that nothing was opened under my information and nothing was found .... this a company trying to collect a debt that doesnt exist
Product: Checking or savings account

I am in the process of disputing a transaction for {$740.00} with Citibank NA. This transaction was charged to my bank twice, and disputed twice. I was given a provisional credit for the first dispute. When I filed the second dispute, I also created a stop payment, which prevented the funds from being removed. Because of the stop payment being in place, and the funds not being removed, I did not receive a second provisional credit. Citibank, however, debited {$740.00} from my account on XX/XX/2019. When I spoke with them about this, I was told they were removing the provisional credit from my account for the second dispute. I tried to explain to multiple representatives and supervisors I never received a provisional credit for this, and they were taking my bill money. 

I am required to be given proper notice before they remove funds from my account, and I was given none. They are claiming they sent me a letter, but this letter was never received. If they had of in fact sent me a letter, I would not have been on the phone with them for three hours today being ran around in circles after the fact. I'm supposed to trust Citibank with my money, however, when I put my bill money in my Citibank account, they help themselves to it without notice. I am not being placed in a financial hardship as a result of them stealing {$740.00} from me without notice. They were not supposed to take this money, as no credit was given a second time. They were also supposed to notify me, they did not do this. As a result, I can not pay my bills. They refuse to return the money and give me a proper notification of removal at another date.
Product: Money transfer, virtual currency, or money service

First of all, i am peruvian resident. I was looking for a remote job in XXXX, and a person : XXXX XXXX told me that i need to contact to XXXX of We Work Remotly in order to do some work. When i finished, XXXX give me a telegram of XXXX XXXX who is the person who do the payment. She send me an email of XXXX XXXX Bank where said that i need to have in my account XXXX XXXX  availables to recieve my payment and give me a telegram of financial department of XXXX XXXX. When i contact, cause its my first time working at home for " XXXX '', the account of that person have the icon of verified and the picture of the bank, so for me thats ok cause its reliable. When i contact with the person, he or she, cause i dont know, told me that i need to have the money and send photos of my ID, electricy facturation and also a selfie. I gave him everything including a screenshot for my account where he can see that i have the money to pay the fee. He told me that the bank needs to buy XXXX in different platforms, I did it. And when I finish, he told me that he is going to give me the authorization of the bank to recieve my payment in a few minutes. After that, send me an email of : XXXX telling me that its neccesarilly to have another amount because XXXX needs to know that I have to pay another fee, and its around XXXX XXXX XXXX. When I saw the document inmediately and read what they were asking me for, I immediately realized it was a scam. The problem here its that they use service channels that are verified, to be more specific : XXXX. I know i was really naive, but i really need the money thats why I accept.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, all has Fraudulent accounts on my credit profile that needs to be removed immediately.
Product: Credit card or prepaid card

On XX/XX/2022, my American Express Platinum Card was canceled by the American Express Company without any notice or valid reason ahead, they forfeited all my Membership Rewards Points ( over 120k Points ) from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express is reporting wrong amount information to my credit file XXXX XXXX XXXX ACCOUNT XXXX : XXXX. 

I would like for American Express remove wrong amount information to my credit file as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove collections and late payments remove now!!! XXXX acct # XXXX {$27000.00} and XXXX acct XXXX XXXX {$9400.00} These collections and late payments must be removed asap, i have reported fraudulent activity due to a security breach in a system that contained my personal information. I have been disputing these items since the pandemic and have reported these errors to XXXX, XXXX, and Experian these companies have failed to investigate and have thrown out numerous complaints and have failed the american consumers by violating the 15 USC 1681 ( d ) disclosure of investigative reports, these companies have failed to report accurate information and thrown out letters instead of investigating the consumer letters and having the best interest of the consumers. They have continued to violate federal law 15 USC 1681 ( d ) even upon investigation from congress with Rep XXXX XXXX where congress findings have acknowledged that these credit bureau failed to investigate and has caused damages for consumers with errors on their consumer reporting. Remove these late payments now or i will exhaust my consumer rights and bring these erroneous errors and hold these companies accountable by going into litigation! 
XXXX acct # XXXX {$27000.00XXXX XXXX  acct XXXX XXXX {$9400.00} Thank you XXXX XXXX XXXX
Product: Bank account or service

In XXXX XXXX, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX points in exchange for opening a CitiGold account, completing debit card purchase of {$1000.00} using CitiBank Debit Card and scheduling XXXX bill payments from the newly opened account. 

After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 

On XXXX XXXX, XXXX, I received another confirmation from XXXX Borrows that I have successfully completed all of the requirements for the bonus. 

It has been long past the date that Citi should have transferred the bonus and I still have not received anything.