23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Citibank denied a credit car application based on the following : 1.Insufficient credit file for the last 2 years 2.Too many credit application inquiries within the last year. 
3.Credit Card Collections Past Due 4. These reasons dictated via outgoing automated voice transmission. 
5. Incorrect identification information on my report 6. XXXX os the report agency.
Product: Checking or savings account

Key bank closed my account on XX/XX/23, I did not request them to close it, they did it on their own. 
I had {$950.00} on that day and Key has held that money since then. 
I've spent over 2 hours on the phone with them trying to solve it, after a week, they sent me a form that had be taken to the bank, but, to my surprise, the branch that I visited at XXXX XXXX XXXX XXXX OH XXXX couldn't give me my money back, I signed the form in front of one of the branch managers, she notarized it, but she had to return the form to a different department and I've been told they mail me a check. 
Well, another week went by and no check has arrived. The lack of consideration/customer service is just absurd, the bank has held my money for over a month, I am sure they will not pay interest and they don't communicate properly. 
I am sure I am not the only customer suffering with their lack of customer service ... during these days when banks are struggling, Key Bank is finding 'creative ', illegal ways to improve their liquidity.
Product: Bank account or service

I opened a checking account on SunTrust 's website and used a debit card from another bank to fund the account. The following day, I was advised, by SunTrust, that the account had been 'flagged ' and would be closed. No reason was given. Multiple inquiries, by phone and in person, resulted in my being referred to SunTrust 's rules and regulations which state : 'The Bank may close your Account at any time and for any reason or for no reason without advance notice. ' It took another three weeks to have my funding deposit refunded. I 've been unable to find anything on my credit report or XXXX file disclosure that might indicate why the account was closed. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of 2019 the truck I purchased thru credit acceptance stopped running.i had numerous engine problems before this, the car lot o purchased from suggested I tow it to authorized dealer for repairs. Once it was there credit acceptance sent a warranty rep. An he approved repairs. XXXX or XXXX days later he returns told service manager to stop repairs .Cause after market parts on it .I did not make any changes... I bought it as is ... .with warranty! Credit acceptance called said I must continue to pay for vehicle I replied yes I will I needed it fixed..they disagree to honor warranty. I couldn't pay for it... not working. Do repair shop sold it.neither credit acceptance not I have possession of said truck... it got sold.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.XXXX {$8500.00}. XXXX {$3500.00} have validated 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. XXXX
Product: Payday loan

I found Castle Payday Loan with a search engine listed as " installment payday loans '' and applied. I was contacted the same day by a " loan officer '' and told for a {$350.00} loan I would make 4 installments of XXXX ea, over a 60 day period. After making the first pymt I went online to check what the payoff balance was and it showed no difference to the original loan amt, and was now showing a XXXX payoff. I decided to wait a week to see if it was just a website error The next time I got online was 4 days before the next pymt was due and it was still showing the same payoff, so i looked at " schedule of pymts '' tab, which BTW had NOT been an available tab option at the time of the loan. The schedule of pymts showed, 3 more pymts of XXXX and THEN ... another 15 pymts of slightly lower amts for a total of XXXX on a XXXX loan that was told to me to be 4 pymts of XXXX. There is no way I would have ever agreed to pay back XXXX dollars and the idea of paying for 18 mths on a XXXX loan at 788 % interest is criminal! 

I wrote this letter to Castle Payday as per their website to rescind my approval for them to withdraw money from my bank acct. They have not responded. 


Previous messageNext messageBack to messagesRescinding ConsentRescinding ConsentXXXX XXXXXXXXTo : XXXXXXXXXXXXTo whom it may concern, I attempted several times to reach you today to rescind my consent for ACH withdrawals from my account. After being on hold and told over and over, that it would only be another 35 seconds, I hung up and contacted my employee assistance program who put me in touch with a Predatory Lending Atty who advised me to notify you by email that I withdraw my consent and report your company to XXXX. I was told at the time the loan was taken out that i would have 4 TOTAL payments of XXXX on a {$350.00} loan. When I checked the payoff yesterday, it showed a higher amount NOW due than when I took out the loan, after making one of the three reported payments. Your schedule of payments shows a ridiculous 18 payments for a total of {$1600.00} on what was supposed to be a 60 day loan. I will not be paying this. I have reported you to XXXX and will follow all legal counsel should you attempt to collect on this. I will pay the original contracted amount of {$490.00} minus the {$120.00} already paid. 

XXXX XXXX XXXXApplication # XXXXPlease advise if I have any other options. 

XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account # XXXX XXXX XXXX XXXX / XXXX XXXX XXXX {$810.00} with XXXX XXXX and Transunion and the incorrect information is still there. 
I do not know who account # XXXX XXXX XXXX XXXX / XXXX XXXX XXXX {$810.00} is. 
I have never signed an agreement with account # XXXX XXXX XXXX XXXX / XXXX XXXX XXXX   {$810.00}. 
They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to FDCPA 1692c ( c ) ( 2 ) I am invoking my specified remedy as the consumer, and as the original creditor, I am demanding the following Pursuant to FDCPA 15 USC1666b TIMING OF PAYMENTS- Remove the 4 missed payments on my XXXX XXXX XXXX credit card ending in 9513. This is an open ended credit card. Pursuant to 15 USC 1692j, XXXX, XXXX, Equifax, and XXXX XXXX XXXX are in violation. They are furnishing deceptive forms on my consumer report. Pursuant to 15 USC 6821, this is violating my customer privacy rights. Pursuant to 15 USC 6823, they are all eligible for criminal penalties. Pursuant to 18 USC 3571 ( c ), they are all eligible for federal fines. Pursuant to 15 USC 1692d, this is harassment and abuse upon my life.

If this is not removed, I will be invoking my monetary remedy pursuant to FDCPA 15 USC 1692k, in addition to criminal penalty under 18 USC 3571.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a reporting of my Experian credit report in XX/XX/XXXX. The account in dispute is XXXX XXXX XXXX/XXXX XXXX XXXX. I provided the following documents to Experian at the time of the dispute. They were uploaded to the Experian dispute page via PDF attachment. 1. Copy of signed settlement agreement dated XX/XX/XXXX between myself and the XXXX stating they agreed to take payment of the full balance of {$6300.00} to close the account ( see attached ). 2. Proof of payment ( payment statement ) showing I paid the full amount the same day on XX/XX/XXXX and the payment was processed by my bank account on XX/XX/XXXX ( see attached payment statement and attached email confirmation of payment recieved by federal government ). 3. A summary record from XXXX stating the original date of the loan was XX/XX/XXXX not XX/XX/XXXX as reported and the original amount was {$6200.00} ( see attached Summary Letter from XXXX ).  4. A detailed letter by me explaining the situation, outlining the attachments and a requested outcome ( see attached ). On XX/XX/XXXX my dispute was update as " resolved '' by Experian even though it is not. ( See attached dispute results ). 1.  Experian never changed the total owed from {$1300.00} to {$0.00}. Experian payment history showed I owed {$6300.00} but only paid {$4900.00}. I never owned {$1300.00}, the paperwork I provided them showed I never owed that. Experian is still reporting the account as open/charge off instead of closed paid in full and they are still showing I have a balance of {$1300.00}, which I do not. How do I owe {$1300.00} still, when I originally owed {$6300.00} and I paid the amount of {$6300.00} in full and provided both the signed settlement letter and proof of payment?
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to ta timely and effective measures to prevent a address fraud on their platform, leaving m account vulnerable and unprotected Furthermore, their dispute resolution proc was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience an financial loss, and I seek appropriate redre for these violations
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX, XXXX, XXXX, has violated my rights under 15USC1681 SECTION 602 states I have the right to privacy 15USC1681 SECTION 604A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under and open on consumer report as late for any purpose.
Product: Credit reporting or other personal consumer reports

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

I have tried talking with my mortgage company XXXX The Money Source. For a couple months now. I have been trying to get a loan modification after a year behind in mortgage payments. Due to the death of my wife and employment problems during the covid crisis. They have sent documents several times so that i may have a notary execute them. But they continue to add my wife to the paper work and the notary can not help me since my wife 's name is still on the documents. I have filled out there mortgage assistance forms and sent in my wifes death certificate numerous times. Now after many months they inform me i might need a probate. But ac ording to NC law and attorneys. Probate is not needed if jointly owned. I also on many occasions asked for more clarification and to talk with a supervisor. I am promised a call back since no leadership is available hiwhile i call. But no call back comes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported fraudulent accounts to Experian and submitted FTC Identity Theft documentation. Experian continues to furnish a fraudulent XXXX XXXX Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submittig this CFPB Complaint to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete the following items as soon as possible : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of {$1600.00} with XXXX XXXX XXXX XXXX do not have a contract with XXXX XXXX XXXX XXXXXXXX XXXX they did not provide me with the original contract as I requested with my wet signature and ID verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it vey difficult for me to acquire credit. 
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm offer of credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible : 1. XXXX XXXX : XXXX XXXX, XXXX 2. XXXX XXXX XXXX : XXXX XXXX, XXXX 3. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX 4. XXXX XXXX XXXX : XXXX XXXX, XXXX 5. XXXX : XXXX XXXX, XXXX 6.  XXXX XXXX XXXX : XXXX XXXX, XXXX 7. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX 8. XXXX XXXX : XXXX XXXX, XXXX 9. XXXX XXXX XXXX : XXXX XXXX, XXXX 10.  XXXX XXXX XXXX : XXXX XXXX, XXXX
Product: Money transfer, virtual currency, or money service

more than six months ago my account was disabled for no apparent reason, I tried to communicate by all means existing with coinbase but I do not receive any help, only emails to delay the help, I have all my funds there and I need to solve the problem what before The Coinbase support is really bad and they dont try yo help at all
Product: Credit reporting or other personal consumer reports

In XXXX of this year I tried logging into my account to make a payment but I was not able to. The website said I had the incorrect credentials but I had never changed it. I called in and customer service told me I had made {$2500.00} on purchases, and I told them it was not me. I told them about the fraud on the account and they cancelled the card and sent a new card, but to the people committing fraud on another state. I called them again after 2 weeks and they had confirmed to have sent the card to Kansas, but I live in Florida. They cancelled the sent card and issued me a new one, which I received and registered online to make a payment. Another months goes by and again I can't log in to make a payment, so the same thing happened. They cancelled the card once again, and also once again they sent the new card to the people committing the crime in Kansas. This month on XX/XX/XXXX, I receive notice that Mattress Firm reported my account as late payment to the credit bureau, and my credit score took a hit of almost XXXX XXXXXXXX  I called them again and they advised it will take 60 days for this to get investigated and resolved.
Product: Credit reporting 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 XXXX. 15 U.S.C. XXXX, section XXXX ( A ), states that I have the right to privacy. 

15 U.S.C. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. XXXXc ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) states : 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: Debt collection

I was contacted by XXXX about a credit card opened in my name that I never applied for. 

I informed them I was a victim of ID theft and made every efforts to resolve them. they informed me it was a business account that was opened under my social security number. 

I do not own any business of such sort and not aware of this but all efforts to have them investigate and remove this from my name has proved futile. 

I even enrolled in a credit repairing company ( XXXX XXXX XXXX ) to help me resolve this and despite their numerous letters and request for XXXX to investigate and resolve the issue still proved futile. 

I had personal accounts with XXXX before this incident and they revoked all my other credit cards I have with them. I ensured I paid all my legitimate credit cards in full with them after they revoked all their cards. I need them to investigate what actually happened and remove this from me because it is affecting me tremendously and impacting my possibility of getting any credit.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation and re-investigated. I would like this item immediatley deleted, the inaccuracies are highly injurous to my credit score [ SELFINC/LEAD-XXXX ]. This account was charged off on the following date:XXXX since then the date of activity has been inconsistently updated the date last active on XXXX is XXXX XX/XX/XXXX and on XXXX it is : XX/XX/XXXX, and XXXX is reporting nothing at all. If the information is coming from the original creditor the dates should be the same. We can not say that this account is 100 % accurate so it is deemed INACCURATE. I have disputed the accuracy for about a year and its verified. In accordance to The Fair Credit Reporting Act, Public law 91-506, Section 611, Subsection A-D please provide the names and business addresses of each individual whom you verifed the information with so that I can follow up.
Product: Credit card or prepaid card

Bank/Credit Card Company : Barclays Bank Delaware The below transactions happened in XXXX XXXX of XXXX fraudulently : XXXX  XXXX  XXXX  XX/XX/2019 {$1600.00} XXXX XXXX XX/XX/2019 {$8.00} XXXX XXXX XX/XX/2019 {$21.00} XXXX  XXXX, XX/XX/2019 {$10000.00} I talked to the bank to take actions against these international fraud transactions and initially the bank marked them as FRAUD but later the bank denied and even after multiple escalations for 8-9 months the bank is not agreeing to investigate these charges properly. The invoice sent to the bank by the merchant has incorrect address and phone number and also the signature are not mine. Please help me as the amount is too high for me and need serious help here.
Product: Credit card or prepaid card

i paid XXXX XXXX XXXX XXXX XXXX XXXX {$940.00}, in payments : ( 1 ) ) XX/XX/21 {$45.00} ( 2 ) XX/XX/21 {$130.00} ( 3 ) XX/XX/21 {$45.00} ( 4 ) XX/XX/21 {$45.00} ( 5 ) XX/XX/21 {$45.00} ( 6 ) XX/XX/21 {$130.00} ( 7 ) XXXX {$45.00} ( 8 ) XXXX {$240.00} XX/XX/21 {$200.00} BANK OF AMERICA, WHICH I FILED SEVERAL DISPUTES WITH REFUSED TOO HELP ME GET MY MONIES BACK FROM XXXX XXXX, EVEN WHEN I PROVED IT TO THEM!!! I WANT YOU TO CALL BANK OF AMERICA XXXXXFRAUD TOO PROVE THAT BANK OF AMERICA REFUSES TOO GIVE ME A REFUND OF {$940.00} THAT XXXX  XXXX TOOK FROM ME!!! I SIGN THIS UNDER THE SEVEREST PENALTIES OF PERJURY TOO PROVE THIS TOO YOU!!!!!!!!!! XXXX XXXX XXXX. PLEASE HELP ME GET MY MONIES BACK, AS I LIVE ON FIXED INCOME.
Product: Debt collection

Multiple phone calls per day from Penn Credit regarding ex husband who has not lived here for more than a decade. Refuses to leave a message on the answering machine. Has been told previously ( on several occasions ) that this person does not live here and we do not have a way of contacting him and we have no responsibility for his debts.