23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I paid my Kay 's account off in the amount of XXXX On XX/XX/XXXX They charged me XXXX that I was made unaware of. 
On XX/XX/XXXX They charged me XXXX late fee that I was unaware of. 
On XX/XX/XXXX They charge me another XXXX that I was unaware of On XX/XX/XXXX They charge me a XXXX late fee that I was unaware of. 
On XX/XX/XXXX They charged me a XXXX fee that I was unaware of. 
On XX/XX/XXXX They charged me a XXXX late fee that I was unaware of. 
On XX/XX/XXXX They charged me a XXXX fee that I was unaware of. 
On XX/XX/XXXX I was viewing this account online and was going to close it since it was paid off and found there to be a {$30.00} bill I was surprised and paid it immediately. I then proceeded to contact the company to dispute the negative mark at which that time they told me to contact the credit bureaus. I called again and asked for their credit reporting department only to be given the information to contact the credit bureaus again. I closed the account and am upset that I fulfilled paying back the revolving account on time and then proceeded to pay the accumulated XXXX dollars that I was not made aware of.
Product: Credit card or prepaid card

In XXXX, AMEX increased my credit XXXX from XXXX XXXX XXXX XXXX XXXX. They said it had to do with a decrease in my credit score with XXXX. However, when I checked, I did not have a decrease in my score. I called AMEX to challenge the credit XXXX increase and was not able to get anyone that could change the XXXX back to a more reasonable level. They could not tell me the credit score that I needed to have to reduce my XXXX and they could not/ would not change my XXXX back to the previous XXXX XXXX number. I have been with AMEX for XXXX years and make > $ XXXX. I could not understand how they would treat a good customer like me in this way. There was nothing I could do to talk to someone or change the XXXX. Very frustrating. I would close the card, but the impact to my XXXX XXXX would be quite negative as I have a $ XXXX credit line with AMEX and XXXX {$2000.00} in balance at this time. I always understood that we should be able to call a credit card and they should be able to tell us what credit score we needed to have to change the XXXX. AMEX is clearly not following this and should be investigated for it's deceptive practices serving customers.
Product: Checking or savings account

Hello, Ive tried to open a checking account at three different banks and each one is has denied me. I looked on XXXX XXXX and I didnt see my information listed on there with either one of these banks. Also if I ever did have any banking issues it was more then 6 years ago. Could you please help me get this resolved?
Product: Checking or savings account

I have been dealing with TD Bank for over a month. It all started when XXXX XXXX XXXX sent me an e-check for {$7400.00} that belongs to my PPP loan approved by SBA. 
The funds were held due to a clerical error from XXXX ( not me ) since my name was not on the check. 
TD bank assigned an investigator, or so they say. This person never called me. 
I provided all documentation and beyond. 
Waited for hours over the phone with my local branch manager, the fraud department and customer service as well. 
TD bank said all was fixed and asked me to visit the local branch to pick up a new debit card and so I did. 
Next week the account was once again restricted. 
The bank decided to close my account, but the {$7400.00} are still in a limbo, when they should be with XXXX XXXX XXXX. 
My personal funds are being held as well. 
Nobody can tell me when I will have access to my money. 
The PPP loan funds are not in my account neither with XXXX lender bank. 
Again, this has been going on for over a month now and nobody can respond to me regarding a timaframe for me to access my money or the loan money. 
This has caused extra stress on top of the pandemia and my unemployment situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have completed the on line application THREE XXXX  times to receive at least one report. One popped up on my phone for maybe 30 seconds as I was trying to print it out it disappeared from my phone screen. Great job you corrupt people. 
XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a Title Loan from Titlemax on XX/XX/year> and received a check for {$8200.00}. 
I tried to cancel the agreement by calling the location I was at XX/XX/year> but was unsuccessful. I even left a message explaining my Hardship ( Family emergency that requires me to be out of work ). I tried returning the check XX/XX/year> in person at XXXX but was told I would be charged {$1000.00} interest onto of the {$8200.00} because I was out of the recession period of one business day. I tried to reach out XX/XX/year> within my rescission period but could not get through. Phone line was busy and I was busy working. I still have the check and just want to return it without any fees. Can someone please help me? 

TitleMax of Georgia XXXX XXXX XXXX, XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attach of all credit report inquiries They all are invalid either because they weren't authorized or I've never heard of these companies before, or they weren't authorized due to the full terms being unknown, the false pretense of being able to move forward on a process undisclosed and was actually an unwanted process. Please remove all inquiries from my credit report such as : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, and XX/XX/XXXX XXXX XXXX
Product: Credit card

I opened an account in the store and was waiting for a card so I could make my first payment. They told me I could not make a payment without a card number so I paid it with the customer rep. on the phone and I paid in in full. I finally got a card in the mail and went online to register and was told I owed late fees of {$27.00} with an interest charge on late fees of {$7.00}
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXXXXXX XXXX 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

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. 

Account Name Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Each account name above 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 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: Checking or savings account

I am cceing here my banker at Citibank XXXX XXXX, who has been extremely kind and helpful, however hasnot been able to figure out the problem ... 

As independent XXXX, my accountant XXXX XXXX and XXXX XXXX filed all proper paperworks on my behalf, under my personal SS #, and deposited in my personal citibank account, as indicated by President Biden new XXXX guidelines, and as was PPP1 Loan processed. 

Citibank says it should have been deposited into my business account at CITIBANK, but that is NOT accurate. 



I was in the process of filling in XXXX XXXX a name change from XXXX XXXX which is name on my SS # to XXXX XXXX as on my green card and driver 's license ... maybe that is what is confusing ... 

however, since there were NO ISSUES with PPP LOAN 1, I do not understand why CITIBANK is not releasing my PPP Loan 2.
Product: Credit card or prepaid card

My wallet was stolen at XXXX in XXXX mall my Id card and paper with pin that Bank of America sent me was stolen and my card was charged for {$2300.00} at XXXX in XXXX ga I disputed this and cancelled my card immediately Bank of America denied my dispute
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I have received 2 phone calls at my place of business in their attempt to collect this debt. They have used a company that goes by " XXXX '' to attempt to collect the debt. The first time they called my business, I told them to send me correspondence by mail to my home address or call my cell phone. The second time they called my business I asked the representative not to call my business anymore. Instead of saying " okay '', she proceeded to argue with me for 3-5 minutes as other employees at my business overheard the conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over your news letters and saw that you sued Portfolio. That doesn't surprise me. I have sent many rounds of disputes of Portfolio and it always comes back verified. I send copies of my proof and still. I didn't think to file a complaint with you all. I should have. It seems you guys just take statements from both sides and do nothing. I have yet to get a favorable outcome with CFPB. 

Portfolio is brutal. They are preventing me from obtaining a loan on my home. I am a XXXX Vet and I need help financially. But because of incorrect reporting, now I have inquiries. Crazy stuff man. 

I'm glad you sued them. I hope I get the opportunity to sue them. Maybe that will be just enough to help me out. Anyway, thank you for all you do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurate information to all three major bureaus. They responded to a previous CFPB investigation stating that the information was correct. The past due history is showing for Experian : past due ( XX/XX/19 and XX/XX/19 ). XXXX  : past due ( XX/XX/19-XX/XX/19 ) and XXXX  : ( XX/XX/19-XX/XX/XXXX ). Under the federal Fair Reporting Act ( 15 U.S.C section 1681 and following ) you are obligated to investigate this request within 30 days and promptly give credit reporting agencies correct information. 

These negative remarks are damaging my credit. Please promptly contact Experian,   XXXX and XXXX  and any other credit reporting agency to which you have reported this information and remove from my file.
Product: Credit card or prepaid card

Citibank has allowed numerous fraudulent applications to be submitted in my name which ultimately resulted in Fraudulent Credit Cards being opened with the bank that I didn't receive nor authorize. 

There was a double cash card that was reported to the bank as Identity theft, I did not open this card in 2018. This was also reported to the credit bureaus and citibank did nothing about it. 
Secondly there was an AADvantage Platinum Mastercard that was opened in 2018. Not only was this opened fraudulently and not authorized, Citibank was also advised of this and had an Identity Theft case opened on this card and nothing was done to resolve this. They attempt to say that I owe them a balance of {$12000.00} which I do not because this account was opened from a thief and I never received it. 
I have not opened any credit cards with citibank and the payments that were made to the cards were also fraudulent from a bank account opened by the thief. 

I only have a few accounts with citibank and these are Lines of Credit. I do not have any credit cards with citibank and I did not submit multiple applications. Yet, any time I do actually even think about attempting to apply for a card I am told I can't because not only do those fraudulent cards impact my internal citi relationship, they also sent me letters advising they were identity theft and never did anything about it. So not only does it discriminate and not let me apply for anything because they flagged multiple applications it also has a bad internal risk score because of the fraud.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNIT XXXX XXXX, GA XXXX SYNCHRONY FINANCIAL Fraud Department XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX RE : ACCOUNT NUMBER ( s ) XXXX Dear Fraud Team : I am writing to bring to your immediate attention a fraudulent account held under my name with your organization. I am victim of identity theft, I do not have a record of this account and any charges associate. 
I urgently request that you remove the fraudulent charges ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 

Enclosed is a copy of my Identity Theft Report supporting my position and a copy of my credit report responstbies inter the fair sedit Reporting ed as an inte mation surise to CRASS The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may result from identity theft. Those responsibilities include ceasing to provide inaccurate information to CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

I understand that this situation may cause some inconvenience, and I appreciate your understanding and prompt attention to this matter. Please investigate this matter and send me a written explanation of your findings and actions. 

Sincerely XXXX XXXX Enclosures : Identity Theft Report Proof of identity : Copy of Driver 's License & Utility Bill Copy of Credit Report CFPB 's Notice to Furnishers of Information [ PDF ]
Product: Checking or savings account

I deposited a check in the amount of {$15000.00} on XXXX XXXX I received from the roofing company that failed to complete the task of fixing me and my mothers roof so chase sends me messages they are closing my account etc so I call them and i am Told we are freezing your account and holding your check since I cant get these things verified so I stayed on the phone for hours helping them collect all the phone numbers and info they need which is crazy because Im not the bank its no way I have to assist with this then Im being told the company isnt answering the phone so we are gon na freeze your account and take your money basically and that isnt fair
Product: Checking or savings account

My previous complaint concerning a fraud claim ( # XXXX ) has been denied by Citibank. I acknowledge responsibility for authorizing the wire transaction in question ( manipulated by the scammer ). However, Citibank 's response does not address my complaint about the bank 's responsibility for their own negligence, as follows : 1 ) Realizing my mistake, I called Citi 's customer service line just about XXXX hours after the wire was sent ( Friday, XX/XX/XXXX, around XXXX or XXXX ). The service agent recognized this particular scam; said the money had been debited from my account ( though there was not a credit in that amount, as the scammer had " showed '' me ), but that that didnt mean it had yet been released by the XXXX XXXX bank, so there was still a chance for intervention ; and that the bank would check with the police before releasing it, so I should file a report with the police in the jurisdiction where the wire was sent; placed a hold on my accounts ; and " escalated '' my report to their fraud department. 

XXXX ) However, the Citi XXXX department is closed on weekends ; there would be no one available with whom I could follow up until Monday at XXXX XXXX. 

XXXX ) I filed the police report as suggested, and also reported the incident to the FBI and the FTC. 

XXXX ) Sometime during many hours of phone contact with Citi on Monday I was informed that the funds had now been released from the recipient bank, and that Citi had sent a message to that bank, which would ask that the account holder return the money. This seemed to me a ridiculously futile effort, as the account holder was obviously part of the fraud. 

XXXX ) I received a form letter dated XX/XX/XXXX ( " Your Photocopy Request '' -- I had not requested a photocopy ) thanking me for my " inquiry '' and attaching a copy of a " wire transfer receipt '' dated XX/XX/XXXX, with the details of the " still pending '' transfer request. ( The wire transfer receipt, which I had not previously received, does stipulate that a wire request can be cancelled within XXXX minutes, but there seems to be no provision in case of fraud. ) XXXX ) It took phone calls to multiple Citibank departments ( fraud, opening/closing accounts, funds transfer ) and several different explanations before the funds were transferred from my blocked accounts to my new accounts. I had been informed on XX/XX/XXXX that those had been set up but not yet funded. In all I was for about ten days unable to access my funds until the transfer was effected. 

In sum, Citibank appears to have few to zero safeguards for their clients in such a situation. They first failed to see any red flags in the account of a very long-term client suddenly authorizing an unprecedented international wire transfer for a very large sum ; then had no one available to act on a fraud report for over XXXX days, thus missing a crucial window for intervention ; and then left me for a long time with no access to my remaining funds. This is not customer service, much less consumer protection!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 Inquire on credit report. XXXX XXXX No amount reported
Product: Credit card or prepaid card

Starting in XXXX of XXXX, my now ex-boyfriend stopped paying on our XXXX XXXX credit card, when we broke up in XX/XX/XXXX he said that he was continuing to pay on the card ( he was not ) in XXXX of XXXX, I received a notice that he had filed bankruptcy and went to dig into the status of this account. 

That is when I discovered that it had not been paid on, as he was the primary account holder, XXXX XXXX/Citi Bank never made an attempt to contact me. 

Once I found out, got account access to the account I was able to make the burdensome payment of {$290.00} a month, since XXXX of XXXX. 

Despite that, I have made no progress on the balance. I am being charged a onerous and abusive interest rate of 26.49 %, on top of overlimit charges and late fees. 

Attempts to contact them to find a resolution have been useless, and so I have no choice but to file a complaint with the CFPB. 

This has caused me to be declined for other loans and financial resources that I otherwise would have qualified for, as my other obligations are met on time.
Product: Money transfer, virtual currency, or money service

My bank, Ally Bank is refusing to respond my many emails, Phone calls and chats about a check for {$86.00} I requested to be issued from my investment account. They jydo not answer me and refuse to mail me my money which they already deducted from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries on my Experian Credit report that are fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX I've sent a dispute letter, ftc report and police report to the Experian. I explained to them that I contacted the dealership of XXXX XXXX XXXX and confirmed they didn't run my credit report with these locations. My credit was ran by a different dealership for something completely different. It is fraud and I reported this information and contacted the creditors. Experian continued to stall the process advising me to resend my dispute attached with police report and/or ftc report . I sent experian all of the requested information and they continue to stall in the process of removing these fraudulent items on my credit report.
Product: Debt collection

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. 
CREDENCE RESOURCE MANA has violated my rights. 
15 USC 1681 Section 602 A. States I have the right to privacy. 
15 usc 1681 S-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. 
15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1681 c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the followingitems of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
please delete this account thank you.
Product: Checking or savings account

I am banking with Chime online bank. Someone got into my online banking app at the end of XXXX and they made a transaction for XXXX at the USPS PO in XXXX XXXX, Florida. The bank did credit back that money on XX/XX/XXXX. The bank was supposed to have that merchant blocked at the beginning of XXXX but they did not have them blocked. When I gotten paid at the end of XXXX someone broke into my account after I received my XXXX deposit and I paid my bills other than my rent. The only reason I couldnt pay my rent was because I couldnt make it to the ATM machine because of the severe weather and police advisories. I filed a complaint the same day that I seen the unauthorized transaction on my account and they had to wait 3 days for the transaction to be processed. So after that happened I filed the dispute against the transaction made. I also filed a police report and the report number isXXXX. The officers name was XXXX XXXX. I am on the 4th rebuttal now and the bank refuses to give me my money back. I have sent them all I can and am doing all I can. I have my rent that has to be paid for XXXX. Now XXXX is due and I dont have the money to pay 2 rent payments. The bank should of not let this happen because they were supposed to have this blocked. I dont know what else to do I would never make this kind of charge to a company like that and I have never been in these states so I hope that this will help me get out of this situation. Thank you.