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

I am a Citizens bank customer with an open and active checking account. On today on Monday XXXX XXXX at around XXXX XXXX I went inside of the local branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX to withdrawal cash from my account. After providing proper identification, debit card, and PIN number requested to make a cash withdrawal and the manager told me that my account was frozen and on hold. The bank teller and the manager denied me access to withdrawal my own money out of my account. He also stated that I was not allowed to use the ATM to access my account or funds either because of a " hard hold '' that was placed on my account by his " back office '' and asked me to leave because there was nothing that he could do to help me. When I asked why was my account placed on hold he said it was because a cashiers check that was deposited could not be verified although i was already aware that it was verified and cleared because I witnessed the verification done at another branch just 2 days prior. ) After contacting Citizens customer service just minutes after I was refused access to my funds and account a representative confirmed that there was never a hold on my account whatsoever neither was there ever a hold on my funds. I was lied to and manipulated. I was also able to withdrawal funds from the ATM after being told by the manager that I was not allowed to because of this hold which also confirms that I was lied to. With no probable cause or probable reason to suspect fraud or suspicious activity on my account I was denied access to my account and funds. I believe that I was racially profiled, discriminated against and treated by prejudice discretion. I was not allowed to access my own money that it is rightfully mine and that Im legitimately entitled to instead I was lied to, discriminated against, providing false information, manipulated, and treated unfairly by the employees and manager at this branch. Because of this I am now facing extremely difficult circumstances. This branch denied me access to my account and funds and manipulated me.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/year>. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Product: Debt collection

I've been trying for months to get these account removed from my credit report but they coming back as verified which is inaccurate and incorrect. Please see both attachment and refer to XXXX to have these accounts removed. I will also be filing a complaint with the XXXX XXXX XXXX and pursuing legal remedies.
Product: Mortgage

We closed on our new house on XX/XX/2021. The Chase mortgage loan first payment was due XX/XX/XXXX. The principal and interest amount due was approximately {$3700.00}. Chase had previously told me to make 1st payment before re-casting the loan amount with proceeds from the sale of our previous house. 

I made the XX/XX/XXXX payment and then requested a loan re-cast on XX/XX/XXXX. I made an additional principal payment from my Chase checking account of {$400000.00} that was processed by Chase Mortgage on XX/XX/XXXX. 

I was told my new estimated monthly principal and interest payment would be approximately {$2000.00}. 

However, I was told that this new payment would not be effective for my XXXX payment, but begin with my XXXX payment. 

requested that the new payment amount would start with XXXX since my loan principal was reduced on XX/XX/XXXX. I made this request to avoid additional interest payment of {$3700.00} minus {$2000.00} or {$1700.00} in the month of XXXX. 

My request was rejected on Thursday, XX/XX/2021 and I requested dispute resolution. In the process of dispute resolution I was told at XXXX CST that the appropriate manager was not available until today Friday, XX/XX/XXXX, and that I would be called to resolve the dispute. 

I was not contacted today and believe XXXX does not want to treat me fairly. They processed my additional principal payment on the same day I made the transaction, but state that they can not process the loan recast transaction in time to be effective in XXXX XXXX 18 days from today? ) I request help in avoiding an unfair additional interest payment of {$1700.00} in XXXX.
Product: Credit card or prepaid card

Chase has closed my credit card account without any specific reason. I am a practicing XXXX, in XXXX there was a case filed against me in court for fraud. At that time I had 3 chase credit card accounts which chase closed describing me as a liability without me even getting convicted. In XXXX that case was dismissed against me and did not have a negative impact on my credit score or income. 
In XXXX I opened a chase credit card which was then closed by chase in a month just stating the reason that previous credit cards has been closed. I have excellent credit, I make XXXX figure income and there is nothing on my record. 
When I called chase customer service they refused to give me any explaination.
Product: Credit reporting or other personal consumer reports

My personal information was compromised during the 2017 equifax breach. I was NOT notified for the case or settlement distribution. My credit may have been impacted and my personal information distributed to the dark web since I receive constant marketing emails. 

What can be done clear my reports?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX, XXXX, and Equifax have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 According to the 15 U.S.C 1681 section 602 A. States I have a right to privacy. 

Theses addresses, place of employment and phone numbers do not belong on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Ohio XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Ohio XXXX. XXXX XXXX XXXX FL XXXX, XXXX Ohio XXXX, XXXX XXXX XXXX XXXX, XXXX Ohio XXXX, XXXX XXXX XXXX XXXX Ohio XXXX, XXXX XXXX, XXXX. Phone number XXXX
Product: Credit reporting or other personal consumer reports

Request for Investigation and Deletion of Incorrect Charge-Off XXXX XXXX XXXX ( XXXX ) I am contacting you to formally challenge and seek immediate investigation and removal of incorrect charge-off entries made by a third-party collection agency on my credit report. These entries have severely impacted my financial standing, hindering my ability to secure a home mortgage, an auto loan, and additional credit facilities. I wish to highlight that I have no contractual ties with this collection agency. Their actions of reporting my credit information without any contractual basis are unjustified and breach multiple legal norms concerning credit reporting and consumer privacy : XXXX. **Unauthorized Reporting** : The reported charge-offs, which suggest debts I do not recognize, have been documented on my credit report without my agreement, violating established principles of lawful credit reporting, also referred to as certificates of indebtedness. 2. **Absence of Form 1099-C** : I was not provided with Form 1099-C for debt cancellation by the agency, which is essential for accurate tax reporting and compliance with IRS requirements. According to the IRS, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. This omission could lead to potential risks of tax noncompliance. XXXX. **Infringement of Privacy Rights** : This action violates the Privacy Act of 1974 ( 5 U.S. Code 552a ), which ensures stringent safeguards against the unauthorized release of personal information. 4. **Lack of Contractual Agreement** : There is no formal contract between myself and the agency, thus their reporting of my credit information directly infringes on my consumer rights. 5. **Exercising Opt-Out Rights** : In accordance with regulations under 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805, I am formally revoking any implied permissions for the dissemination or reporting of my credit information. Given these concerns, I urgently request a review and elimination of these incorrect records from my credit report, and I ask for written confirmation of this deletion. Please note that I am prepared to take further action, including legal recourse, to rectify my credit report and protect my rights.
Product: Bank account or service

Hi, I signed up for the Citi Gold account and at the time of sign up used the sign up code I had been given for the XXXX XXXX XXXX promotion. I contacted Citi several times and asked them every time to confirm that I was registered with this promotion, they confirmed that I was. I have screenshots confirming this. 

When I fulfilled the requirements for the promotion, I confirmed with Citi, and they said I had done the required steps to receive the points. 

At no point did Citi tell me that I was not eligible or that the promotion was not tied to my account ( in fact, they told me the opposit ) Now, Citi is refusing to honor the points despite all this contradicting evidence. 

This problem is widespread, and it appears Citi is appearing to not honor this agreement to many people. ( See pages like this : XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX Disputed to remove because I did not authorize these inquiries
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT HARD INQUIRIES ON CHEXSYSTEM REPORT NOT INITIATED BY CONSUMER FROM XX/XX/XXXX ON XX/XX/2021 AND ON XX/XX/2121
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I've been analyzing my recent credit report, and seeing these names and addresses that doesn't belong to me is just not cool. I want them off of my credit report as soon as possible! 
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 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 All certify that all these information listed is inaccurate and not mine, plus it violates my consumer rights according to FCRA 15 USC 1681s-2 & 1681i.
Product: Credit card or prepaid card

Discover closed my account ending XXXX in order to steal my rewards. I always paid bills on time, never late and earned 150000+ miles in rewards which would be around $ 2000+K cash. 
I requested my rewards redeemed on XXXX XXXX at that time Discover assured me rewards would be paid automatically on XX/XX/XXXX for that I did not needed to call in : they made me to believe that they will send a check or transfer cash to my bank account as they did previously when I redeemed my rewards previously. 
Few days ago I saw that my family member made a purchase on XXXX and redeemed my Discover rewards, I never consented to Discover or XXXX to use my rewards as payment option, I don't understand whythose companies decided they can use my rewards without my permission. 
Today on XX/XX/19 I contacted Discover again to get my rewards and was told that Discover closed my account on XX/XX/19 ending *XXXX  because " they did not hear from me and my rewards are voided '', never sent an email or mail or any indication informing me about intent to close my account. 
So today, on XX/XX/19 I spoke with XXXX mngr in OH he refused to redeem my miles for me because " when I called on XX/XX/XXXX to request my rewards I was told rewards will be paid out automatically and I don't need to call, but then I needed to call again in order to redeem. '' this istrolling and scamming practices to steal my rewards. No other credit card company ever demanded my Tax Returns from IRS. 
No notes, emails, letters with deadlines or anything indicating reason for closing account ending *XXXX  therefore Discover did not wanted to pay my reward which would be approximately $ 2000+ Discover is a  scammer and a thief, they invent tricks to steal from us our rightfully earned rewards : in instance, they emailed me yesterday on XX/XX/19 stating that they put me on their Match program on my account ending *XXXX that was never even activated and is closed. 
For the demand of my IRS records I received and email from someone looking like a spam and I thought was a scam that did not come from Discover email, I deleted it as it wanted me to click on the link. I learned it was from Discover only after I called in to activate my new card ending *XXXX. XXXX told me that spam looking email was from them on XX/XX/XXXX, ( XXXX from their special department ). Then he asked me if he should close the account and hanged up the call. Then I called again, spoke with the female agent and she confirmed that XXXX was accurate and they will not activate account until I give them access to my tax returns from IRS. I refused to allow any credit card company access to my IRS records. and they closed my both accounts without any notices in order not to pay my reward.
Product: Payday loan, title loan, personal loan, or advance loan

Payment amounts only applied to interest
Product: Credit reporting or other personal consumer reports

CREDIT BUREAU : EXPERIAN FRAUDULENT ACCOUNTS ON CREDIT REPORT : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, EXPERIAN, AND XXXX XXXX HAS BEEN INVOLVED IN A DATA BREACH. THE SOCIAL SECURITY ADMINISTRATION HAS BEEN INVOLVED IN A DATA TO WHERE MY CONSUMER REPORT HAS BEEN VIOLATED AND MY PERSONAL INFORMATION HAS BEEN RECEIVED BY HACKERS. IT IS ILLEGAL TO KEEP INCORRECT INFORMATION ON A CONSUMER CREDIT REPORT. PER THE LAW 15 USC 1681, CONGRESSIONAL FINDINGS, AND STATEMENT OF PURPOSE, WHICH IS RIGHT TO PRIVACY. WHICH MEANS ACCESS TO A CONSUMERS CREDIT REPORT RECORDS AND PROMOTES ACCURACY, FAIRNESS, AND THE PRIVACY OF PERSONAL INFORMATION ASSEMBLED BY CREDIT REPORTING. ALL BUREAUS HAVE BEEN INVOLVED IN A DATA BREACH WHICH IS A VIOLATION OF A CONSUMER RIGHTS. CONSUMER HAS MAILED IN FTC REPORT AND COMPANIES STILL VIOLATE CONSUMER RIGHTS.ACCOUNTS ARE NOT CONSUMERS AND ARE SOMEONE ELSES ACCOUNTS THAT ARE CONSUMERS REPORT. XXXX HAS REMOVED ALL FRAUDULENT ACCOUNTS OFF OF CONSUMER CREDIT REPORT. DO NOT VERIFY THIS INFORMATION WITH E-OSCAR SYSTEM, VERIFY INFORMATION WITH A HUMAN. I WANT THE INDIVIDUALS NAME WHO WILL BE DOING THE VERIFYING. ALL FRAUDULENT ACCOUNTS SHALL BE REMOVED IN 4 DAYS.
Product: Credit card or prepaid card

After 7 years of having a capital one credit card they closed it without notice. I never received anything in the mail to let me know nor did they give me a warning i needed to use the card to keep the account. I never had issues and this was my longest standing credit card. After they abruptly closed the account my credit took a 45+ point hit. This is detrimental to me as i was in the middle of trying to purchase a home. I have another credit card with them as well as a now paid off car loan.
Product: Credit reporting or other personal consumer reports

Dear SageStream , LLC Support Team, I am reaching out to request an update to the contact details listed in my public records. Specifically, I would like to ensure that my current phone number is correctly added or updated in your database. 

Phone Number to Update : XXXX For your convenience, I have attached the necessary documentation to verify both my identity and my phone number. If there is any additional information or paperwork required to process this update, please let me know. 

I would appreciate it if you could process this request promptly. Please confirm with me once the update has been successfully completed. 

Thank you for your prompt attention to this matter. If you need to contact me for further clarification, I am available by phone at XXXX or via email at XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I have medicaid at the time of this medical service and my medicaid was fully responsible for paying the medical bill. I had medicaid at the time for me and my XXXX kids as a single dad when I lost my job in 2012. The medical provider failed to file claimed with medicaid even after I provided my medicaid information at the time of service. This is wrongful collection attempt that has significantly affected my credit and I would ask that the collection be removed from my credit file.
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for account XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX pursuant to 15 USC 1681ia1a , your company failed to follow proper procedures regarding correspondence to me the consumer, in the handling of the reinvestigation. 
As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. 
Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pendrick Capital Partners # XXXX is in violation of my 30 day right to dispute. They added an item to my credit without any warning or proof of the item being mine. This should not be on my credit.