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

Citibank repeatedly cancelled my global transfers despite correct verification of my identity, citing unreasonable excuses like exceeding daily limit, can not set another transaction within 24hrs, pass cut off time and need further verification etc etc ; in which I am sure I comply all the rules for setting up global transfers and provide requested information to contact me for verification.

Upon multiple attempts to contact staff via phone calls and online chats, they just all gave out vague answers without a solid one for the repeated cancellations. And Citibank by this time today has already cancelled five attempts of my global transfers without a reason, causing a delay in getting my money for important use. Two transfers were successfully through to my XXXX XXXX Citibank account, but not the rest of the attempts. 

I do not think they have the right to hold a clients money without giving out a reason. For the record, all the money deposited and transferred out are owned by me but not from any third parties. And I dont see why they can not have a check on that before holding up the money or putting me on an alert list or something?!!!!

Details of the transactions were : Deposited three sums of money from my online broker accounts ( XXXX, XXXX and XXXX XXXX ) amounted XXXX, XXXX and XXXX on XXXX XXXX, XXXX XXXX and XXXX XX/XX/year>. Global transfers were successfully through on XXXX and XXXX XXXX of amount XXXX and another XXXX to my XXXX XXXX Citibank account. But in between, there were four attempts of either XXXX global transfers being cancelled despite repeated phone calls and online chats with staff as mentioned above, every time without any reason and without making any effort to contact me. 

Today, Ive set up another global transfer about 11 hrs ago and was found being cancelled AGAIN..I have used up all my patience in dealing with Citibank ; Ive set this transfer more than 24hrs from the last one, theres no exceed of limit or any cut off time pass and my verification mean is well stated. 

Thus, I am writing to complain Citibank by holding clients asset without sound explanation and falsely putting a client on whatever alert list that theyve created.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act 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, credit repair services, or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$730.00} XXXX  XXXX Balance : {$9900.00} XXXX XXXX  XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$680.00} XXXX  XXXX Balance : {$9900.00} XXXX XXXX  XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX/XXXX  XXXX Balance : {$4300.00} XXXX XXXX Balance : {$730.00} XXXX  XXXX Balance : {$9900.00} XXXX XXXX  XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00}
Product: Credit card

This year Citi-Bank Officers called to push for payment. I asked them based on what basis I owe Citi-Bank . This first Officer XXXX told me that I am paying Citi-Bank a 5-year Loan which I took from them in XXXX. I am puzzled as this is already XXXX, a 5 year Loan would had expired by XXXX! Besides, I told XXXX that the Outstanding amount was {$29000.00} in XX/XX/XXXX but after my consistent payment ( around {$950.00} per month ) it increased to {$30000.00} in XX/XX/XXXX which is totally illogical. I wanted to know why with my consistent paying each ( I only missed a few times but had paid up more than double the following month ) month, after the 5 years, there is still so much outstanding and my recent payment since XX/XX/XXXX to XX/XX/XXXX caused the outstanding to increase instead of decrease. XXXX told me to hold the due payment and he will take note and notify the department concerned to get back to me. 

After more than 2 weeks another Officer, XXXX called to chase for payment. I had to repeat what I had conveyed to XXXX. XXXX also told me to hold payment that he will notify the concerned department to clarify these with me. As in the earlier case, nobody contacted me. 

A few weeks later another Officer, XXXX called up to chase for payment. I had to repeat what I had spoken to both XXXX and XXXX. XXXX also agree that I hold back the due payment and promise me that she will get the Staff of the concerned Department to call and clarify these issues with me. As unobody called me! 

When I received the latest letter from Citi-Bank , I decided to go down to their XXXX XXXX XXXX to settle this issue with a Officer XXXX XXXX XXXX I told her about my bad experience with the last 3 Citi-Banks Officers. Despite producing my Identity Card, XXXX insisted that I must produce my Citi SMRT Platinum Card Number XXXX XXXX XXXX XXXX, she can not print out the past transaction record. As I do not have this Visa Card and the Password, suggested that I request for a replacement Visa Card so that she can print out all the past transactions. 

She assured me that it is a very fast process and only takes 3 days. The replacement XXXX XXXX XXXX XXXX XXXX comes about 5 days later. I then realized that there is another issue. After waiting for more than a week, I still did not receive the mailed letter with the Password. 

I then realized that actually these are delay tactics. I was told that actually after verifying my Identity, they can go ahead to print the past transactions. 

I needed an Authority to push Citi-Bank to print out the past 5-Year transactions and make it clear what went wrong! I am keen to clear these outstanding issues but Citi-Bank is only interested in charging high interest and dis-regard whatever went wrong! 
I have no other recourse but to seek your help in helping me to resolve these issues!
Product: Mortgage

Selene Finance, declined my loan modification. 
Now, Im facing fore-closure. 

They said they would help me, but just declined my loan modification. 
I make enough money to stay here, The interest rate adjusted from 4 to 8 %!!!!!!! 
I need a affordable interest rate to lower my payment. 

they are trying to foreclosure while in a pandemic!
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've disputed child support enforcement account #   XXXX   going on 5 times before, I 've provide full official documentation from my county clerks office, the official account history keeper, showing every payment I 've made since  XX/XX/XXXX - XX/XX/XXXX  without missing a single payment since the day I was ordered to begin paying child support,   XXXX   and  XXXX , have fixed the account listed above accordingly and in my favor since I have proof, experian seems to not care about my proof and has failed to fix this issue. There response is always we are working on it or the documentation you 've provided is not sufficient, how ca n't it not be sufficient when it comes straight from the  XXXX  county Clerks Office. Please help, I 've attached complete 7 year history of payments from day 1 till now, plus a separate month statement  XX/XX/XXXX  to be exact, according to experian I failed to pay on that month, and lastly a couple transcripts from web chats with child support agents, where I clearly state my case with them about this error and they acknowledge no delinquencies on my account. Thanks
Product: Credit card or prepaid card

American Express is refusing to properly dispute an a purchase for XXXX XXXX because someone signed for a complimentary cabana. Please note that I XXXX XXXX did not sign for the cabana nor did I personally sign or authorize the charges for XXXX XXXX. The cabana was offered to someone who traveled as a guest who is not an authorized user on my credit card account. This should not have any bearing on a comprehensive dispute being conducted. XXXX XXXX, XXXX XXXX advertised falsely and did not render the services as promised. American Express has an obligation to properly dispute claims for their card members. I am requesting that American Express obtain signatures and compare those to my signature. I should not be held liable because a friend accepted a {$100.00} cabana for the poor service and falsely advertised services not rendered by XXXX.
Product: Credit reporting or other personal consumer reports

Per cfpb complaint XXXX The account that was transferred from XXXX XXXX to Systems & Services Technologies was only temporarily updated as closed on XX/XX/year> but was recently reopened on XX/XX/year>. I've filed XXXX disputes with XXXX, XXXX complaints with cfpb ; I've spoken to multiple SST and XXXX XXXX employees, including XXXX in SST 's credit dept, and have been told by everyone that this account will be updated and properly closed. To date, XX/XX/year> the account is open and reporting a balance of over {$11000.00} which is NOT correct. I've been paying SST monthly payments of {$390.00} but they have allowed both the XXXX XXXX and SST accounts to both report high balances on my XXXX credit report. As a consumer who pays my bills on time, this is affecting my credit score.
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for a XXXX XXXX XXXX. I received a denial letter dated XX/XX/XXXX listing the denial reason, Prior Synchrony credit account not paid as agreed. On XX/XX/XXXX, I mailed a letter to Synchrony Bank, XXXX XXXX XXXX, XXXX, FL XXXX, requesting the name of the Prior Synchrony credit account not paid as agreed. As of XX/XX/XXXX, I did not receive a reply from Synchrony. On XX/XX/XXXX, I searched the internet and found a telephone number for Synchrony Bank customer service, XXXX XXXX XXXX. I spent at least one hour on the phone being bounced back and forth between Synchrony and XXXX trying to get an answer. I was given an alternate phone number XXXX XXXX XXXX. I was given a number for XXXX XXXX XXXX XXXX. Each time I spoke to a representative from Synchrony and XXXX, each one referred me back and forth to Synchrony and XXXX. Finally, I mailed a second letter to Synchrony on XX/XX/XXXX, priority mail, tracking number XXXX XXXX XXXX XXXX XXXX XXXX the name of the Synchrony credit account not paid as agreed. As of this writing, I still have not received a reply from Synchrony. I am attaching copies of my letters to Synchrony dated XX/XX/XXXX and XX/XX/XXXX and copy of denial letter from Synchrony.
Product: Debt collection

i bought a lap top from XXXX XXXX XX/XX/2022 i used my XXXX credit card to purchase the lap top instead of using XXXX  XXXX  they are attempting to collect a debt i never accured with them we did attempt to get financed with them than decided to just put it on XXXX credit card we have proof of purchase using my XXXX  credit card
Product: Student loan

I was unable to put my college, XXXX XXXX XXXX California, into your system. 

PLEASE DESCRIBE THE ISSUE YOU HAVE REPAYING YOUR LOANS OR GRANTS? 

I attended XXXX XXXX of California, which closed while I was attending. I was told that because I was a single mother of XXXX and making very little that I would be able to attend college for free. Not only did the college close as I was attending, I also was saddled with a large debt. XXXX XXXX also gave me the promise that I would be able to return and continue my training after graduation, this was vital to me as a mother of XXXX, I would need to continue my training ; another unfulfilled promise. I have talked to my loan providers numerous times about this and have always been shuffled along while the interest on my loan has almost doubled. 

I then took out a private loan to get my XXXX XXXX degree. I have paid this off in full. Several teachers told me I should get my California teaching degree and that there was a great program called The XXXX and it would pay off any student loans that I had because our school is a rural, XXXX  XXXX school. I was also told that the XXXX is a great program by XXXX, and many teachers that had done the program in the past had left not owing anything. Because I was in a XXXX school the XXXX would apply to me. I joined XXXX 's teaching credential program. I was finishing my XXXX degree, working on my CA XXXX degree, mothering XXXX children and working full time. I went to immediately apply for the XXXX program and was told it was no longer viable. I called my the Department of Education in XXXX and my local senator at the time. I was told that the government felt like the program was under utilized and so it was on hiatus. I begged to be grandfathered in ; my pleas on deaf ears. I then applied for the XXXX program, while I was in my Ca. Credential. Nothing ever came of this, except I received a new whopping debt to add to my last debt. 

I then was advised to apply for the XXXX XXXX XXXX, as I have over 5 years working at a XXXX XXXX XXXX. This was rejected. I have tried to call, but every break I have my loan servicer is closed. 

I work weekends, nights, holidays trying to bring the best education I can to my rural students. I have been dis-missed by the student loan servicer and government, undervalued, underpaid, overworked and saddle in accumulating debt. This is unreasonable!
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

Company : Lexis Nexis Consumer Number : XXXX Case Number : XXXX 1. The company records show an address history at : XXXX XXXX XXXX, XXXX, FL XXXX. I have no knowledge about this address. I absolutely never lived at this address, knows no one at this address, or never received mail of any sort at this address. Please remove this address from my files. 

2. On my auto Insurance report, its shows a claim or an accident reported by XXXX XXXX on XX/XX/. I never had an accident or reported a claim to anyone. Even though it reflects on LexisNexis, when I called progressive to dispute the item, they denied it. 
Please remove the incorrect information. 
3. I also find it unnecessary to list my entire life span address history. It serves no purpose to me or my credit file. Under the Fair Credit Reporting Act, I'm asking that my address history be limited to a few years or as required by law. whether it be three or five, seven, etc.
Product: Debt collection

I received calls from Phoenix Financial Services several times in one week. 
I fully authenticated my information and they informed me of a medical debt. 
I did not dispute the debt and told them I want to wait to discuss this until I receive a letter in the mail. They told me it was mailed on XX/XX/2024. I told them to not call me, I will call them back when I receive the letter. 
The most recent call I had was from XXXX, his EXT is " XXXX '' and he opened up right away offering 50 % off using threatening language that I needed to pay now to take advantage of this offer and that it might not be available if I wait. 
I told him I still hadn't received paperwork and I was waiting. I told him to stop calling me and that they were harassing me. He did not acknowledge it but instead said he " had no control over the dialer. '' The caller was very pressuring, rude, and did not listen to me about not calling. He tried putting words into my mouth that I was " disputing '' the debt but that it not true. I told him I acknowledge it but I wanted to receive the letter first and not have them call me anymore until I call them back myself.
Product: Mortgage

three years ago citi mortgage forclosed on my home never giving me any opitions, never tried to work something out, even tried to auction off my house but set the starting price at 3 times the value so everyone walked away. my house is still vacate 3 years latter and I still get letters from citi mortgage about property insurance. citi mortgage has already been paid by FHA so they do not care if the house stays vacate and I lost my home
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB laws
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( multiple entries ), XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX ( multiple entries ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX have all violated me 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 an account without my written instructions 15 U.S.C 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 by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I, XXXX XXXX, never gave ( XXXX, XXXX, or TransUnion ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer, I am demanding a deletion of the following account : XXXX. Company Name : 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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$440.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Dispute P.O Box XXXX XXXX, GA XXXX To Whom It May Concern, I sent a letter to you disputing accounts as erroneous on ( XX/XX/2021 ) and mailed them certified, return receipt requested. I received notice in the mail that you received the dispute letter on ( XX/XX/2021 ). It is now ( XX/XX/2021 ) and I have not received a response from you. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 
Enclosed find a copy of the receipt showing when you received my credit dispute and a copy of my original letter showing all the accounts I have disputed. 
US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) DEPT OF ED/XXXX  ( xxxxxxxxxxx XXXX XXXX Thanks in advance to your timely response to this request. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal Case ID # XXXX On XX/XX/XXXX I used PayPal to pay for a purchase. Amount was XXXXEuros. 

Purchase was covered under PayPal buyer 's protection for physical goods. 

The merchandise received was defective. The seller refused to accept a return so I initiated a PayPal claim. 

PayPal confirmed that my purchase was covered under their buyer 's protection and asked that I return the merchandise to the seller, which I did. Paying over {$600.00} in shipping fees overseas. 

The seller refused to pick up the return. PayPal refused to issue a refund. 

I called PayPal again waiting 4 hours on hold for an overseas supervisor who was nice enough to escalate my claim on XX/XX/XXXX. 

We are now XX/XX/XXXX and I 'm still missing my refund + all the shipping fees that I had to pay for out of pocket. 

I would like for PayPal to issue a full refund as agreed otherwise I will have no option but to file a charge-back with XXXX. 

Thank you
Product: Mortgage

Our regular monthly payment for our mortgage ( same payment as we've always made ) XX/XX/XXXX was mis-categorized as an early principal payment. 

Our monthly payment ( due XX/XX/XXXX ) then began to show as past due in the web portal. We were not informed of this, but had to discover it ourselves. 

We called and were told by a representative that this would be corrected, but it wasn't and we had to again discover for ourselves that it was not ( again through the web portal ). A second representative told us the case had been closed with no action taken. 

It's also pertinent that Chase 's web payment form *asks* whether you'd like a payment applied as normal or as " additional principal '' and their system recorded that we did *not* accidentally select that option. 

It's extremely convenient that Chase would determine that, the very month the US Treasury yield shot above our mortgage interest rate, they would decide for us that we should seek an early payoff despite our telling them otherwise on two occasions.