23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I apologize for having to intrude on your valuable time with this matter. I do so as a last resort having exhausted all customary channels with the local representatives at Citizens Bank. 
I had XXXX IRA CD 's at XXXX ( XXXX ) maturing in XXXX. In XXXX I received XXXX Maturity Notices from XXXX showing the maturity dates and details of the XXXX CD 's. At about the same time I also received a solicitation in the mail from Citizens promoting a 15 month 1.5 % CD. I visited the local XXXX NY branch of Citizens bringing the letters from XXXX and the advertisement I received from Citizens. I met with XXXX XXXX XXXX. I explained to him that, although I would be out of town, it was my desire to transfer the XXXX CD maturity proceeds to Citizens when they matured. XXXX XXXX XXXX said that he could collect the proceeds from XXXX upon maturity of the CD 's to fund the new CD at Citizens. We agreed, XXXX XXXX XXXX made copies of the letters from XXXX and he completed the necessary transfer forms while making several phone calls to get instructions on how to fill out the forms. I signed the form as he requested. 
Upon my return home several weeks later, I was surprised to find a mail notification from XXXX advising that the proceeds were transferred prior to maturity, resulting in an early withdrawal penalty of {$2400.00}. XXXX XXXX XXXX erroneously processed the transfer requests immediately, approximately 5 days and 13 days before maturity. He did not wait until after the maturity dates as he agreed to do. The early transfers resulted in a {$2400.00} penalty to the CD balance plus a {$370.00} tax liability. The original XXXX CD rates were 3.25 % and 3.44 %, much higher than the 1.5 % rate I received upon transfer to Citizens, so there was no incentive to transfer the CDs to a lower rate before maturity. 
I am requesting that Citizens Bank make me whole by reimbursing me for the loss I sustained as a result of Citizens Bank failure to follow my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consumer XXXX XXXX have submitted documentation over 5 months to the three credit bureaus. All of them have repeating ignore my documentation and fail to verify this account with the name of XXXX/XXXX. I have provided the promissory note that have no correct signature on it. This is a fraudulent account and they are refusing to update and blocked this account from my Credit report. As a consumer these bureaus are violating my rights the are defaming my character which is violation according to 15 USC 1692d. The are continuously keeping this misleading account on my credit report which is a vioaltion according to 15 USC 1692e. They are using abusive practices according to 15 usc 1692a. The credit bureaus fail to validate this debt repeatedly and its been over 5 monnths which is a violation according to 15 USC 1692g. I have attached documentation that XXXX  AND XXXX  have sent me. I have sent all of these to you all. I have attached a copy of my License and SSC.
Product: Debt collection

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. I didn't authorize this company to have my information nor, did I authorize this account. This account was placed on my credit from a fraudulent account that I didn't authorize and I demand that it's removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent Dispute letters to the following agencies regarding false items on my credit report. I have given the agency more than 30 days to complete its investigation and its has not been complete nor verified. Please help with false/ inaccurate reporting.
Product: Credit card or prepaid card

I received an auto notice for my Macy 's statement, but the link does not work and I have been unable to review my statement or make payment online. About a month later, I received an email and phone call from Citibank stating that I am delinquent! 

This is actually the XXXX  time this has happened to me. I have tried re-registering the card online, but it says I am already registered. 

I have tried to find an email address for Macy 's, but no luck. I have called and just get transferred from one voicemail box to another. 

I paid my balance online to avoid delinquency on my credit report, but I still don't know what that payment is for. Please help me.
Product: Credit card

My identity was stolen a few years ago to open a credit card. Afterwards, I froze my credit to prevent this from happening. Despite this, Current Financial allowed someone to open a card in my name with frozen credit. I have screenshots of a conversation with an employee where they admit they issued the card without doing a credit check, which explains why the freeze didn't prevent this.
Product: Debt collection

This account reported to the credit bureau late 30 to 60 days. when this account was open i was old this was not a credit base account. the creditor did not notify me that my account was not current. this account was placed on autopay in which a receipt was sent monthly stating that the bill was paid. No phone calls or letters that stated otherwise. I attempted to call multiple times to resolve the issue with no help just being passed on from one person to another. This matter has caused serious mental distress being as though am due to settle on a home in the next two weeks. I've been told this matter will correct itself and there's nothing more that can be done. in accordance with Fair credit reporting act XXXX  account ( XXXX XXXX XXXX XXXX  ) and American first finance has violated my rights. 15 U.S.C 1681 section 602 A states the right to privacy. 15 U.S.C 1681 section 604 A It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

That on XX/XX/2023 I sent a written notice to XXXX XXXX opting out of credit reporting. XXXX has yet to respond to my demand.
Product: Money transfer, virtual currency, or money service

I sent the money to my sister in XXXX on XX/XX/XXXX to have been received in XX/XX/XXXX. When she cashed the money A mistake was made on her name listing her both as the sender and receiver and we have not been able to receive the money ever since. We called, 14 times. Conversations were recorded. I filed an online complaint on XX/XX/XXXX and XXXX and as today XX/XX/XXXX. I do not have a response. They are holding my money hostage which was desperately needed by my sister and are not telling us why the money is being held, complaints are not being answered and they are hanging up on us when we call. They are also refusing to refund the money. MoneyGram is being careless with our needs and refusing to solve an issue caused by them. They are also refusing to tell us what is wrong with the file and why the money is being held. I am just looking my funds to be released and I would like other to know that this is company is not safe if you need to send money. They do not care about its clients wellbeing and mental health. They do not adhere to the practices they post in their website and do not respect the law or consumers. XXXX forbids there is a mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : TEXAS XXXX XXXX XXXX # XXXX Amount : XXXX XXXX  Account Number : XXXX Amount : XXXX XXXX XXXX  Account Number : XXXX Amount : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : XXXX XXXX XXXX  Account Number : XXXX Amount : XXXX XXXX XXXX Account Number : XXXX Amount : 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report I noticed inquires that I did not make nor did I approve anyone to my credit report. My information was impact by Equifax Breach
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX, XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX
Product: Mortgage

I am refinancing my existing jumbo loan with better.com. They are asking me to increase my new loan amount $ XXXX more than my current loan balance on a loan that supposedly has discount points. They are refusing to lower my new loan amount or show me the payoff quote my current lender provided and will not request another one with the current amount. I had completed underwriting and was moving into closing when they told me I needed to bring {$7500.00} to closing. This occurred on XX/XX/2021. 

They also made me pay for an appraisal which they knew they would not be using the value of based on their underwriting guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit has inaccurate information. Violation is FCRA and FT violation
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is associated with complaint # XXXX and XXXX. XXXX XXXX and XXXX XXXX revolving account has not giving me a reasonable answer as to why my payment to this account is not being reported in a timely, accurate manner. I have spoken with XXXX XXXX Credit Card and Transunion repeatedly about this concern. I finally was able to speak with XXXX at XXXX XXXX XXXX from XXXX XXXX. He had reached out to the XXXX XXXX Credit Card department that handles disputes, complaint, and reporting agency issues, on my behalf. He followed back up with me todayXX/XX/2018 to tell me that Transunion needs to unfreeze my tradeline because any dispute that I have open will cause my file to not be updated. He explains that this is what has happened in the last three months. My disputes in the past has caused the credit card company and Transunion to block any updates to my account. XXXX XXXX has confirmed this issue is due to Transunion 's system and Transunion has confirmed that the an issue is with XXXX XXXX XXXX system. My account has not been update with my XXXX credit report since XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is reporting incorrectly to XXXX   ; Experian and XXXX a charge-off in the amount of {$10000.00} on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page 2 attached from my credit report. ) The vehicle was defective and falls under the Lemon law for the State of California and therefore I am not financially responsible for any of the debt associated with this vehicle. This incorrect reporting of a charge-off is hurting my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete these inquiries from my credit report as I did not authorize them. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX PUT A CHARGE ON MY CAPITAL ONE CARD. {$1000.00} I SEND THEM A FAX AND LETTER TELLING THEM NOT TO DO SO IN ADVANCE NO TO DO SO. 

IT IS NOT A AUTHORIZED CHARGE. CAPONE NOT COOPERATIVE RUDE LONG WAIT TIMES I WANT THIS CHARGE REVERSED ASAP FOR {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone open an account in my name in XX/XX/XXXX with Barclays Bank. I noticed it on my credit in XX/XX/XXXX. I have filed a police report and a fraud report with Barclays and it now almost XX/XX/XXXX and I have no answers. My credit dropped 140 point from XXXX to XXXX. Every time I talk with Barclays they seem to have gotten nowhere. The police told me they notified Barclays about an IP address where these people applied for a card in my name months ago. 
This problem needs to be resolved since its ruined my credit. 
I want to sue not only the person that committed fraud but also Barclays for not verifying any information these people put on this application. It is simply unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report. I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent and violated my rights to privacy and confidentiality under 15 USC 1681. 

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

An investigation done by XXXX shows they deleted info mainly inquires off my credit now no one sees anything after theyve sent me several emails telling me its in my favor please help
Product: Credit reporting or other personal consumer reports

My credit report is showing late payment on XXXX XXXX XXXXXXXX account. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Product: Credit reporting or other personal consumer reports

Hey my name is XXXX XXXX XXXX and this is not a third party filing this complaint. I have ask for supporting records that shows the Accuracy of these attached accounts and the credit companies could not provide it. Please Update accounts to current immediately.
Product: Checking or savings account

Requested check over {$100000.00} after closing account with no notice. There has been multiple attempts to get check from Chase bank. Chase has stated they have sent the check multiple times. We have not received the check. This is causing financial hardship. We recently contacted Chase and they said it would take 72 hrs to research it. We have yet to receive a call back.
Product: Credit reporting or other personal consumer reports

I disputed an innaccurate account with Experian. Specifically the account listed as XXXX XXXX, Acct # XXXX on XX/XX/year> and on XX/XX/XXXX, I received a response from Experian stating that even though the account is incorrect, it will still remain on my credit report. Please see the screen shot provided as proof of the admission that the account is " incorrect '' by Experian and delete from my credit. I also ask that the CFPB take notice and action if this account is not immediately deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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
Product: Debt collection

I moved out of my Condo in XX/XX/XXXX, paid my last XXXX balance, and closed my XXXX  XXXX  account. Somehow when I checked my credit score early XX/XX/XXXX, it had dropped by almost XXXX points. This was because apparently there was a small prorated balance with XXXX ( {$73.00} ) that I did not receive any information about, which was now at a debt collection agency. We have mail forwarding from our old condo to new, and also have email notifications, however there was no communication from XXXX regarding this outstanding balance and I instead found out from a dropped credit report. This has negatively affected my credit score and also Iimited my credit access on a new credit card that I applied for. 

Turns out, upon doing research, that there are numerous other people affected similarly because of the lack of communication from XXXX regarding any pro-rated outstanding balance once they have moved. This should be unacceptable. Once I found out about the balance, I paid it right away ( see attached from XXXX, {$0.00} outstanding balance ). I am requesting that this be removed from my credit report/history as I did not receive appropriate communication from XXXX similar to other consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reason of request : The below inquiries are fraudulent and NOT authorized by me. I called and spoke to SYNCBXXXX and they informed me they will not send me a letter stating this inquiry was not authorized. They also informed me that it is XXXX responsibility to contact them before they can even speak to me about it. Regardless, the below inquiry from SYNCBXXXX is fraudulent, and the below name and address of the inquiry is NOT me nor my address. Please remove these from my credit report. 
Reporting agency : XXXX Hard Inquiries XXXX via SYNCXXXX on XX/XX/2023 Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Inquiry Analysis was submitted by someone using my name but a different address than mine and one that I have never lived at.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXX  and notified of the data breech so i checked my report and i found several hard inquiries to things I never applied for. I also saw a CBNA bank account in Texas that is not mine but has been opened since 2019! That is not me, please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX we received a letter from ARS national stating that we owe some money that was n't paid. This is the first documentation we received concerning this issue. When we looked in to it we have never had an account with the credit card company mentioned. We did then pull a credit report and it is showing up on our report. We need to get this removed and our credit repaired. This is not us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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
Product: Credit card or prepaid card

BJ credit card with capital one cancelled my credit card as I had XXXX 10 years ago. Law states only seven years. They cancelled without telling me finally after 45 minutes on phone admitted to me. I have XXXX credit score, never missed payment never late on any credit card or bank payment. I have not any any scapes with law since original XXXX ten years ago
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello : My name is XXXX ( XXXX ) XXXX and I wanted to submit a complaint about Conns, Inc. I have spoken with multiple representatives at the company and no one can give me a straight answer as to why I have XXXX late 30 days marks on my credit report. Additionally, when I called Conns on XX/XX/XXXX to submit a complaint to a manager ( XXXX ) assured me that I only had XXXX 30-day mark on my credit report. XXXX & XX/XX/XXXX, I was informed by a Conn 's representative that I was not supposed to make a payment until XX/XX/XXXX because I was on a payment plan. 

The credit bureaus informed me that I have XXXX over 30-day marks on my credit ( Transunion on XX/XX/XXXX & XX/XX/XXXX ) ( XXXX  XX/XX/XXXX ) ( XXXX   XX/XX/XXXX ) when I am on a payment plan. These marks violate my rights as a good paying customer and show that Conns , Inc has a miscommunication problem that I am paying out of my wallet. I would like the CFPB involved because Conns may not correct/refuse to correct the issue due to there lack of communication within there organization. 

Thank You, XXXX ( XXXX ) XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FLORIDA IS NAMED ON FICTITIOUS PROPERTY ASSIGNMENT OF MORTGAGE FOR FICTITIOUS LOAN SCHEMES AGAINST MY PROPERTY UNDER IDENTITY THEFT SCHEMES
Product: Checking or savings account

So I work for roots and sprig, I recently tried to change my direct deposit from chase to XXXX XXXX. It bounced for some reason so my job sent me a physical check for {$450.00}. I deposited it XXXX XXXX  at XXXX in my chase account. Next morning it said I had a hold on my deposit and it was under review till the XXXX. I got on the phone with chase customer service and they told me that its under review and the XXXX is worse case scenario. The money was never available and came yesterday the same check left my account in the negatives. I literally just got direct deposit from the same company today and it was diminished because the check I deposited last never went through but was some how credited me when the check amount was never available. So now I need the last check reimbursed and deposited so everything can be rectified. Ive been in contact with both my companys XXXX and chase. XXXX told me about why my check bounce and told me to check with chase and chase only told me to wait till the XXXX. I talked to a representative today and they said I had to talk to my jobs company. I just need this solved so I could tend to my bills asap.