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

This complaint is against Citibank , N.A . in the capacity as transfer agent for three XXXX companies in which I owned XXXX units. In each case, the units were sold as a result of termination of the XXXX  agreement, and the Citibank is delinquent in payment of the resulting funds. 
Item XXXX is {$32000.00}, resulting from sale of XXXX units of XXXX XXXX and XXXX, account number XXXX. Deposit by mail of the original check was botched by another bank, and on their instructions a replacement check was requested on XXXX XXXX, XXXX. Promised within two weeks, it never arrived. 
Subsequent calls to Citibank, made on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, XXXX, have been totally ineffective in obtaining payment. After long waiting, I have received what is charitably described as disinformation, on the subject of obtaining payment by wire in particular. Replacement checks were requested in the XXXX XXXX and XXXX.. XXXX calls, of course stopping payment on the previously requested check. 
The only item which has arrived is the XXXX XXXX check, in XXXX, well after payment on this check had been stopped. Mailed from XXXX, with no postmark. A copy of this check is attached. Citibank has my mailing address correct. 
Item 2 is {$26000.00}, resulting from the sale of XXXX units of XXXX, account number XXXX. A replacement check for this item was also requested on XXXX XXXX, XXXX, but has never arrived. 
Item 3 is {$20000.00}, resulting from the sale of XXXX units of XXXX XXXX of XXXX, account number XXXX. I was advised of this outstanding item in the XXXX XXXX call, but it has never arrived. 
A recent printout of my accounts with Citibank shows none of these items, and does not even include the XXXX XXXXXXXX XXXX XXXXXXXX account. Copy attached. 
.. These items total {$78000.00}. Additional damages are claimed. Not only have I lost the use of the money and have occurred large phone bill waiting to be lied to by various representatives of Citibank, but my health has been adversely affected. I am aged XXXX, at identified increased risk of both XXXX and XXXX XXXX..
Product: Credit reporting or other personal consumer reports

Grain XXXX  reported my account more than XXXX  days late even though Ive paid this account on time using autodraft since Ive opened the account. Ive made payments over XXXX  the minimum payment amount each month for the last XXXX  months. 

I made payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, which none of them were reported. Thus making my credit drop XXXX points. I use their autodraft feature.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I was contacted by the phone number associated with the XXXX XXXX Police Department. It was a person that claimed they were an XXXX ( provided name, presinct and badge number ). They claimed that I had failed to appear as a court-ordered witness ( I am a medical professional ) for a case in XXXX XXXX on the previous day. After claiming they had body cam footage of the subpoena being delivered to my office and signed, I insisted that I had never signed a subpoena. They were understanding but asked that I come into the station for a signature verification. When I agreed, they insisted that I needed to place a payment for a XXXX XXXX that would be returned to me immediately upon verification that the signature they had was not mine. I became suspicious of a scam but after many " scare '' tactics, threatening pursuit of a criminal action if I did not comply and insisting there was a " gag order '' placed on the case, I was scared to deny them. I completed a transfer through XXXX from my bank to whom they insisted was an agent at the Federal Reserve that would verify the payment. The total amount was {$5000.00}. 

I soon after recognized that it was indeed a scam and immediately went to my bank branch to see if the transaction could be reversed as it still showed as pending in my account. The bank said they could not reverse a XXXX payment but gave me the number to submit a claim ticket to XXXX. I did submit a claim but they came back and said nothing could be done. 

I'm hoping I can get help in recouping the money that was transferred due to the scam. Attached is the police report, the transaction details from our XXXX account, and a letter from XXXX insisting they will not take further action after our request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFP Complaint regarding fraudulent items on my credit report. I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my XXXX XXXX and causing significant financial harm. I need the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$19000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XX/XX/2022. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution.
Product: Money transfer, virtual currency, or money service

Money sent to incorrect person, I conducted Zelle & they were unable to give me my money back.
Product: Mortgage

I have an equity loan it went from interest only to principle and interest I called to get the loan modified they told me hat they just service the loan they do not write it. The loan went from & XXXX to $ XXXX few months later I found out that they do modify, I made out XXXX packages. The first XXXX they said that they did not get all the paperwork I sent them a third and they said that they received all the paper work. I waited and finally they said that I was denied. In the mean time I contacted Hud to help me. They tried to call and work out a modification No response. I called to find out why the person on the phone said that she could not figure out why they denied me. To send in another letter to get someone else in the department to take a look at it no response again. I have proved that I have a hardship. Between Loosing my job lower income and loosing my father and almost loosing my mother. They keep dragging this out so I will loose my house. If they modify I can afford my payments.
Product: Credit reporting or other personal consumer reports

Pursuant to Section 611 ( a ) ( XXXX ) ( A ) of the Fair Credit Reporting Act, XXXX has neglected 2 times, to comply with the previous. XXXX after receiving a certified letter via XXXX, including the 2 ID theft reports made to the Federal Trade Commission, suffered after the data leak from certain payment processor, for insurance companies including but not limited to XXXX XXXX,XX/XX/XXXX of Texas. XXXX and Prosper neglect removal for unrecognized inquiries from : Prosper XXXX on XX/XX/XXXX XXXX fails to verify and provide sufficient info, and does not provide verification providing my authorization. 2 ) XXXX can not ask for my SS card, ID and proof of address, fraudulently trying to distract regulators, after being provided via XXXX certified mail. 3 ) XXXX, affects the consumer financially, by lowering the credit score for more than 6 points, causing a mortgage lender to increase by XXXX bps the 30 yr rate for a mortgage this month, liable for the impact after : A ) receiving second dispute via XXXX registered Mail with returned receipt evidence, including FTC idtheft reports, ID, SS card, and report number. B ) transunion fails to provide any kind of verification documenting my bearing signature with those creditors. C ) transunion omits to overview the letters received previously carefully, and the against evidence, in an effort to avoid liability, and the potential court claims for defamation, and disclosure of private information. Second letter delivered XX/XX/XXXX. XXXX is in a breach of the FCRA, and applicable civil codes related to privacy, and against the FTC mandate for ID Theft cases.
Product: Credit reporting or other personal consumer reports

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 I received information from you attempting to collect the above-listed alleged debt. Please be advised that I dispute the validity of the alleged debt in its entirety. Further, I request verification of the alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 | May Presume that no proof of the alleged debt, nor therefore any such debt in fact exists.
Product: Payday loan, title loan, or personal loan

A financed order was placed online with retailer ( XXXX  ) on XX/XX/2023 on XXXX XXXX I contacted the retailer to advise non receipt of my package as the package was shipped via XXXX then transferred to the local post office for delivery. The delivery advised delivered to locker. This is an apartment complex and no package was confirmed delivered to a locker ( no locker number/location ) or anything related to the delivery location. I was advised to call back to start a claim with the retailer XXXX which I have numerous times without success. I contacted the financial company Klarna to advise of the order issue on XX/XX/XXXX it was escalated XX/XX/XXXX ( estimated ) and on XX/XX/XXXX received an email to contact XXXX which I did and have been without any success. As Klarna is still reflecting being owed for an order I have yet to receive. Im unable to file a claim with XXXX as they did not deliver the package and the retailer did not insure the package with the USPS so I can not file a claim with them either.
Product: Debt collection

This is not my account for {$200.00}. Please remove this item from my credit report. I am an XXXX breach settlement victim ; my info was compromised. I do not have an alleged binding agreed contract with this company, Amsher Collection Services inc. I have requested a signed contract from Amsher Collection Service to validate a business relationship with alleged company. It has not been received and I do not want this collection to continue to negatively affect my credit report. This is not my account and please have this removed from any & all credit bureaus they have attached & posted this alleged credit debt in the amount of {$200.00}. I am a XXXX  and I have been notified my account was breached with XXXX and I have learned to check my credit to protect myself and saw this on the report.
Product: Payday loan, title loan, personal loan, or advance loan

I put in for a personal loan not knowing that they were going to add on extra interest rate. Making it so that this loan want be paid off
Product: Credit card or prepaid card

On XX/XX/XXXX, my wife was alerted to a potential fraudulent charge at a grocery store on the other side of town for the amount of {$520.00}. My wife responded to the message that is was indeed a fraudulent charge and I immediately went online and 'froze ' our credit card while we figured out what was going on. While additional attempts were made after I froze the card, it turns out that before the potential fraud alert was triggered, two other charges, {$29.00} and {$310.00}, were processed at the same store. 
I called the credit card company first thing in the morning on XX/XX/XXXX and let them know that those charges were not made by us. 
On XX/XX/XXXX, the credit card company contacted me to let me know that i would be liable for charges because " the charges were made with an EMV chip and that can't be faked. '' I appealed the decision saying that it must have been on a stolen card that we were not aware of. 
On XX/XX/XXXX, the credit card company let me know that my appeal was denied. 
I filed a police report on XX/XX/XXXX in order to get photographic evidence from the store that the charges were not made by my household but don't have a lot of hope since it was past what most video retention services are ( 14 days or 30 days ). I am still waiting to hear back from the police deputy. 
Though there was already an investigation pending into the matter I officially notified the credit card company in writing per the Cardmember Agreement and stipulations of the Fair Credit Billing Act ( FCBA ). This letter was delivered via Certified Mail on XX/XX/XXXX.
Product: Checking or savings account

I CALLED CITI BANK AND FILE A DISPUTE 7 DAYS LATER THEY SENT ME A LETTER STATING THAT I NEEDED TO FILE A FORMAL DISPUTE IN WRITING AND THIS IS THE LETTER I FAXED TO THE DISPUTES DEPARTMENT OF CITI BANK CITI BANK Citibank Government Services, XXXX XXXX XXXX, XXXX XXXX, SD XXXX Subject : Dispute of Unauthorized Charge Due to Fraud/ CASE NUMBER XXXX Dear CITI BANK BUSINESS DISPUTE DEPARTMENT , I am writing to formally dispute a fraudulent charge on my business checking account. On XXXX 21,2025, a charge of XXXX was posted to my account by XXXX XXXX XXXX FL XXXX without my knowledge or authorization. I did not make this transaction, nor did I authorize this companyor anyone elseto access or use my account in any way. 
I have never conducted business with XXXX XXXX XXXX FL XXXX and did not provide them with my banking details or consent for any transaction. This charge is entirely unauthorized and appears to be the result of fraud. I request that your office immediately investigate this matter, remove the charge from my account, and ensure that no further unauthorized transactions from this company or any related entity are processed. 
Additionally, I would appreciate any assistance in securing my account against future fraudulent activity. Please advise on any necessary steps I should take, such as issuing a new card or updating security settings, to protect my financial information. 
I have attached relevant supporting documents, including copies of my recent account statements highlighting the unauthorized charge. Also, A copy of the police report filed regarding this unauthorized charge, and the Consumer Financial Protection Bureau compliant against the merchant as well. If you require any further information or documentation, please contact me at I trust that you will handle this matter with urgency and provide me with a resolution as soon as possible. Please confirm the status of my dispute and any corrective actions taken at your earliest convenience.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
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. 

Account name : XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX  Date of Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for XXXX XXXX to validate my credit information. At the time in XX/XX/XXXX, I found four items that were incorrect on my Transunion credit report. I immediately, did an online dispute for the four incorrect items. 30 days later, I received an email from XXXX XXXX notifying me that three of the four items were removed. The fourth item was not removed as the company stated that the item was indeed correct and mine. I called, Transunion and spoke with an associate who submitted a new dispute for me requesting that the company, XXXX XXXX provide me with proof that the item belongs to me. The dispute was done on XX/XX/XXXX on XX/XX/XXXX, I received and email from Transunion stating the dispute was complete and that the item was confirmed by XXXX XXXX. <P/>I called XXXX XXXX onXX/XX/XXXX and was transferred four time to no avail. OnXX/XX/XXXX.XX/XX/XXXXI called XXXX XXXX again and finally spoke with XXXX in the personal loans department. I explained to XXXX that I was trying to get information on an item listed on my credit report that I know is not mine. I advised that my credit report lists the item as an Automobile loan with a partial account number of XXXX though when I spoke with someone from XXXX XXXX in auto loans they could not help me. <P/>XXXX advised me as follows : The loan is actually a secured personal loan and was opened XX/XX/XXXX. He also stated that an automobile was used as collateral. I asked him to advise me of the make and model of the car used as collateral but he could not tell me.I asked for proof that this account belongs to me ; a copy of the signed document in an effort for me to compare signatures, XXXX placed me on hold to confer with his supervisor. XXXX came back to the line and asked for my address as he had to submit a formal request to have the documents mailed to my address. XXXX was not able to could not provide an eta on how long it will take to receive the documents or what the documents will consist of. <P/>Please help me as I am certain that I did not open a secured loan with XXXX XXXX in XXXX. XXXX XXXX is unable to provide me with any proof that the account belongs to me. <P/>Thanks in advance. XXXX XXXX
Product: Debt collection

The company has continued to report that my debt is not paid to all my credit bureaus dropping my score by 23 points yesterday even though the amount is paid in full. They also refuse to provide a receipt of payment in full to help my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations XXXX XXXX XXXX XXXX XXXX {$5700.00} USDOE/XXXX  {$71000.00} XXXX XXXX {$3000.00} XXXX   {$360.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score has dropped XXXX points. Because Victoria Secret inaccurately reported to the credit bureau that I was delinquent. When I reached out to them, they refunded the late fees. However, they did not update my credit report. Therefore, I still have two late payments. This is preventing me from being able to purchase a home.
Product: Vehicle loan or lease

I have such a problem right now. I have been with this company for over 3 years, I fell late due to job loss. I filed a complaint with the better business bureau and was put on payment arrangements. I was told XX/XX/XXXX that everything was good. I continued to make my payments, I logged on XX/XX/XXXX to make my regular payment and the automated system says they ca n't find my account. I reached out the customer service department and was told that my account had been charged off, due to non payment. The last payment I made was XX/XX/XXXX. I want to make payments on this and had advised that many times. The company has offered me no help at this point, I never once got a letter or a phone call saying this was happening to me. The last phone conversation was with XXXX on XX/XX/XXXX, advising me that the charge off would not happen and then it did. I do n't feel like this company has done me fair at all. If you are going to charge off someone 's account then at least tell them, no email, no phone calls and no letters, the customer service person advised she thought someone tried to reach out to me on XX/XX/XXXX. But said there a lot of calls in XX/XX/XXXX, yes I know I made most of them while filing a BBB report.