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

Citigroup is engaged in action to restrict the 2nd Amendment rights of U.S. citizens, by using its considerable influence and enormous market share to affect the ability of arms manufacturers and retailers to obtain loans and do business with them unless agreeing to meet these terms of restrictions including but not limited to : ( 1 ) selling firearms to citizens under the age of XXXX and ( 2 ) manufacturing certain types of legal firearms and accessories. This restriction on doing business with clients and consumers that are otherwised engaged in lawful activity, by one of the largest banks in the U.S. ( and in collusion with other large bank ( s ) ) should be worrisome to all U.S. citizens. If this ability of major influential corporations to collude in enforcing their own political views on the citizenry ( and in opposition to laws generated through the democratic process ) is allowed to go unchecked, especially in opposition to one of our most important constitutional amendments, large banks may see a pathway to enforce other political policies on the public, without representation. Consumers should research this issue, including investigating the largest shareholders of Citigroup, and their ties to foreign governments, as well as Citigroup 's ties to well-known billionaire gun control financiers, and then make their own decisions about whether to do business with Citigroup and its consumer banking division Citibank.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My bank is holding {$300.00} from my tax exemption check of {$1200.00} deposited XX/XX/2023. They keep telling me different reasons like I had a negative balance or returned fees or for verifing funds. I had a postive balance on XX/XX/2023. I spoke to several agents and a supervisor. They said they are holding my funds until XX/XX/2023! This is the first hold they put on checks I deposit thru mobile. My bank is USAA in Texas. They have no local branches in TN or near me. I'm emotionally upset from no access to my money. I'm a XXXX XXXX XXXX Veteran with XXXX. Please help me. Thank you
Product: Payday loan

I received a letter from Santander Bank ( XXXX PA ) on XXXX/XXXX/15 stating that I had a balance of XXXX. I mailed them a check for XXXX which they received on XXXX. I called to ask how I could pay off the remaining loan. They told me that over the one month period that had added an additional 10 % in late fees to loan and now the balance had grown by {$500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, Section 602. He states I have the right to privacy 15 USC 1681, section 604 a, Section 2. It also states a consumer reporting agency can only furnish an account with my written instructions. Under 15 USC 1666-B, 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: Checking or savings account

I am a victim of authorized push payment fraud. On XX/XX/year> I was contacted by an XXXX representative, but it was not it was someone posing as an XXXX representative. They said they could help with my XXXX account. I thought they were helping me and guiding me through how to get extra protection and security on my account but instead they were discreetly instructing me to send them money. I did not know this until after the call was over and I received fraudulent activity notifications on my bank app and texts that I sent money and had not. I then could not contact the XXXX  representative again at the call back number they provided me. They have taken {$420.00} successfully and then another {$150.00} that I have disputed with my bank and received back. They were also trying to take another {$240.00} and {$210.00} which was then declined by my bank. This merchant has made it seem like I willingly sent this which I did NOT. I did not authorize this, they did not have my permission to access my account. I dont know the merchants name, nor do I have any access to the account the money was sent to what so ever. They have literally stolen my money from under my nose and my Bank of America thinks I willingly and knowingly sent this money because this scammer had made it look like I had authorized it.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX NONE OF THESE ACCOUNTS ARE MINE THEY ARE ILLEGAL!!! 

Writing to dispute these ILLEGAL COLLECTIONS AND INQUIRIES ON MY XXXX REPORT! THESE ITEMS ARE ILLEGAL AND UNAUTHORIZED AND NEEDS TO BE REMOVED IMMEDIATELY FROM MY XXXX, EQUIFAX, AND XXXX REPORT. MY INFORMATION WAS BREACHED VIA EQUIFAX BREACHES, XXXX BREACHES, AND ALSO XXXX. YOU GUYS HAVE FAILED TO DO YOUR JOB AS CREDIT BUREAUS IN PROTECTING YOUR CUSTOMERS INFORMATION AND AS A RESULT I STILL HAVE ILLEGAL ITEMS BEING REPORTED BECAUSE OF YOUR CARELESSNESS. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$65.00}, XXXXXXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$6400.00}
Product: Payday loan, title loan, or personal loan

Original loan amount was for {$2600.00}. I've been paying {$290.00} every month on this loan for a year and I still owe {$2500.00}! Over {$3000.00} already paid. When I inquire about paying the loan off in two weeks, it will be over {$3000.00} according to them, to make a one time payment to pay off the loan. These types of practices have to stop. 

Loan ID : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX for inaccurately reporting multiple collection entries related to a single debt from XXXX XXXX. The way both XXXX XXXX and XXXX have handled this situation is misleading and unfair. 
Details of the accounts : XXXX. Account Number : XXXX Balance : {$210.00} XXXX. Account Number : XXXX Balance : {$110.00} XXXX. Account Number : XXXX Balance : {$510.00} Complaint Details : 1. Unfair Billing and Reporting Practices : These debts should never have been sent to collections. I tried to resolve the issue with XXXX XXXX before it escalated, but they continued adding fees, to a point where I could no longer make the payment. 
2. Multiple Collection Entries : XXXX  has reported XXXX separate collection entries for what should be a single debt. This creates an inaccurate and unfair portrayal of my financial situation, which severely impacts my credit and future well being. 
3. Unjust Impact on Young Adults : It is deeply unfair that XXXX XXXX and XXXX  would handle these accounts this way, particularly since it disproportionately affects young adults like myself. The impact of these actions on credit scores can last for 7 years, making recovery extremely difficult. This is particularly troubling given the current national crisis around XXXX  loan debt. 

*** Despite my willingness to pay in full, XXXX  refuses to remove the accounts from my credit report. This practice unfairly penalizes individuals who are trying to settle their debts. I request the CFPB investigate this matter and ensure these duplicate entries are corrected. Collection agencies should also be willing to delete accounts once they are paid in full.
Product: Credit card

Since XXXX, XXXX I have attempted to get Bank of America to correct the date of my oldest credit line from XXXX to XXXX. My credit card with this Bank states that I am a card holder since XXXX. My account number may have changed, but I have used a BoA credit card well before XXXX. My credit rating has suffered, because I rank a B in terms of " Oldest Credit Line '' in light of BoA 's wrong reporting. 
I have regularly sought to get BoA to correct their dating mistake without success. I understand that the FCRA requires action within 30 days. BoA has dithered and refused to correct their mistake for my account no XXXX All credit agencies continue to state my oldest credit line as having commenced in XXXX. 
I am seeking your intervention to get BoA to correct their mistake and to inform the credit agencies that my oldest line of credit dates back to XXXX and before. 
Thanks for your help.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX  - XXXX has violated my rights. 

15 U.S.C 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 hand written instructions.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report, I noticed hard inquires that I did not make, nor did I approve anyone to pull my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$620.00} XXXX XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a married couple we own real estate of over XXXX XXXX in value, many of them are free and clear, but our credit report shows a credit limit of only {$420000.00}. Our current primary residence is valued by XXXX at {$460000.00} to {$490000.00}. We own a rented commercial Condo that is appraised at {$200000.00} and a single family home on 26 acres that is valued at {$270000.00}. These are the 3 properties that are financed. We also have approximately {$43000.00} in Credit Card balance. Due to the incorrect credit limit our debt to asset ration is about 70 %. that makes it very difficult to refinance. What do we have to do to correct the credit limit on our reports? Thanks for your service XXXX XXXX
Product: Vehicle loan or lease

Bridgecrest has deemed me " ineligible '' for autopay, resulting in numerous unnecessary fees, which I want refunded. I want to be on autopay. I have tried to speak to a manager, all of whom refuse to take my call and do not deliver promised callbacks. Complaints submitted to the company have gone unaddressed and unresolved.
Product: Credit reporting or other personal consumer reports

The account in question is from a collection agency listed on my credit report as LVNV FUNDING Original Creditor XXXX XXXX XXXX XXXX  Amount XXXX I have repeatedly disputed this information. This account is not mine... I keep getting emails threatening for the company to take legal action on an account that is not mine.
Product: Credit card or prepaid card

On XX/XX/2019 I bought Visa giftcard for the amount of {$500.00} at XXXX XXXX XXXX, and went to the XXXX to buy a money order with it. I swiped this subject card, and was told by the CSR that it did not go thru, try it again. I tried a few times, still it did not allow me to buy a money order. I returned home and call the Visa giftcard phone line at XXXX, and the recorded voice said it was loaded for {$500.00} and was redeemed on the same day, XX/XX/XXXX. 
I waited for the fund returned to the card. Money never returned to the subject card. Finally on XX/XX/XXXX, I claimed to Blackhawk Network who handled. On XX/XX/XXXX they replied to me by email saying that credit issued to my account was final!! I never received the new card with money nor {$500.00} in my subject card. The XXXX email crews stopped answering my emails. When each time I called XXXX ( from back of the card ), each one of them told me lies, saying the new card was shipped, wait a few more days, etc. Now when I called this number about my subject card, it said it no longer phone support and hung up on me.
Product: Credit reporting or other personal consumer reports

My Equifax credit score dropped to XXXX on XX/XX/year>. This is completely incorrect. I called Equifax and the representative told me that everything on my account was clean, I had no credit inquiries that were incorrect, and nothing new on my account. The " reason '' given by XXXX ( who notified me of the rating ) was " over utilization '' of available credit ( on credit cards ). It was 36 %, and now it is near XXXX, because I pay ALL of my cards monthly ( and sometimes during the month ), and never have account balances carried over. I have paid off my mortgage and cars ( years ago ). I have no other debt. I have no late payments. I have no foreclosures or leins. The Equifax representative informed me that I needed to contact the Consumer Financial Protection Bureau, that he could not help. 

My credit rating with XXXX and XXXX ( FICO scores ) vary from XXXX to XXXX. They have not significantly changed in years. 

I attempted to contact XXXX XXXX, the company responsible for the low and incorrect rating. I sent an email, with no reply.
Product: Credit reporting or other personal consumer reports

These credit bureaus have IGNORED by request for reinvestigation. I am STILL showing these account as Account Not Disputed. 
This shows they are simply reading and not investigating. This is a major violation. I am entitled to an investigation especially when trying to verify a debt. Each time this has been verified, it remained in Account not Disputed status. You are clearly being negligent with investigations. 

These bureaus are stating I need new information for these accounts to be investigated. The information has not changed! These creditors are not sending proper validation, & the bureaus are ALLOWING them to report out of compliance. 

Please provide proof of validity for these accounts. Such as a binding contract, permission to furnish from me to the collection agency, etc. I will not accept a simple statement of charges from the collection agency. Please supply actual proof such as a BINDING CONTRACT, permission to furnish an account from me to the creditor/debt collector, information on WHO verified this item, AND method of verification. Please conduct an actual investigation. 

I need these items to verify this debt or I will need to file a report with the FTC next if this is not done within 45 days.
Product: Credit card or prepaid card

Today I was informed that the credit line on my second Capital One card was lowered from {$20000.00} to {$10000.00}. A week ago I was informed that the credit line on my other Capital One card was reduced from {$15000.00} to {$5000.00}. I called Capital One after the first notification and was told that they reduced my credit line because I didn't use all of it over the last 2 years and there was nothing they could do about it. I have never been late on a payment and have always payed the full amount each month. My credit score has been in the XXXX 's for years. This will adversely effect my credit score.
Product: Credit card or prepaid card

I have phoned Bank of America credit card services about this many times. I was sent samples which I paid for. When I received them I did not use them as I was not happy with the ingredients. I tried to cancel anymore products being sent to me but there is no phone number, address or email on their website. I ave been charged XXXX by youth again face cream and the disputes department will not credit my card. I never received anything other than the samples.
Product: Mortgage

THEE RITHM CAPITAL CORPORATION / DIV - XXXX XXXX XXXX XXXX XXXX  !!!!

XXXX XXXX XXXX  
THEE RITHM CAPITAL CORPORATION HAS AN HIGH AMOUNT OF SUB-DIVISIONAL COMPANIES !!!!

MY HOME MORTGAGE WAS TRANSFERRED FROM SUB-DIVISION TO SOB-DIVISION !!!!

MY NEW SUB-DIVISIONAL COMPANY IS XXXX !!!!

DURING THESE FRAUDULENT PROCESSES, MY EMAIL & USA POSTAL MAILING ADDRESSES WERE ALTERED / CHANGED WITHOUT MY PERMISSION !!!!

AN BRAND NEW EMAIL ADDRESS WAS ADDED TO MY XXXX ACCOUNT TO ADVISE MY THAT MY HOME MORTGAGE WAS BEING FLIPPED / TRADED TO ANOTHER DIVISION OF THEE RITHM CAPITAL CORPORATION !!!!

MY FAMILY WAS LOCKED OUT OF OUR HOME !!!!

RITHM CAPITAL CORPORATION HOME FORECLOSURE  CONTRACTORS CHANGED MY HOME'S DOOR LOCKS & STOLE PROPERTY EXTERIOR / INTERIOR FROM WITHIN THEE DWELLINGS OF MY PROPERTY !!!!

THEE RITHM CAPITAL CORPORATION PENALIZED  MY MORTGAGE WITH AN MASSIVE AMOUNT OF PENALTIES & FINES !!!!

THEE XXXX XXXX XXXX  PENALIZED MY PROPERTY FOR THEE STOLEN LANDSCAPING / ALTERATIONS FOR MY PROPERTY WITHOUT REQUESTING PERMISSION FOR ANY ALTERATIONS !!!!

THEE RITHM CAPITAL CORP XXXX XXXX XXXX XXXX XXXX XXXX BOARD HAVE ALL ILLEGALLY PENALIZED MY PROPERTY ACCOUNTS WITH FRAUDULENT CHARGES !!!!

MY FAMILIES REPUTATION IS ON THEE FINE LINE / FRAUDULENT XXXX XXXX ACTIVITY WILL RUIN USA CITIZENS LIVES !!!!

I AM UNABLE TO PUBLISH PICS OF MY PROPERTY !!!!  PHYSICAL ADDRESS & LOCATION WOULD BE PUBLISHED !!!!

Company
Rithm Capital
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  For investors, please include:
ATTN: Investor Relations

contact us by phone(XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information that appears on my credit report, as I believe it is the result of identity theft and/or reporting errors. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ) and Section 605B ( 15 U.S.C. 1681c-2 ), I have the right to request a thorough investigation and the immediate removal or blocking of any fraudulent or incorrect information. The specific item in question is associated with the following account : Account XXXX : XXXX. 

To support my claim, I have attached a Federal Trade Commission ( FTC ) Identity Theft Report, reference number XXXX, which documents the fraudulent activity. Additionally, I have enclosed copies of relevant documents, including a government-issued ID and any supporting evidence that further confirms my identity and dispute. 

Please be advised that knowingly reporting inaccurate information or failing to correct errors violates FCRA Section 623 ( 15 U.S.C. 1681s-2 ) and may result in liability for damages. As this error is negatively impacting my credit, I expect the necessary corrections to be made within the legally required timeframe and without unnecessary delays. 

I appreciate your prompt attention to this matter and request a written confirmation once the dispute has been resolved.
Product: Credit card or prepaid card

This dispute is for an overcharge by XXXX. 

I bought a XXXX XXXX  for {$320.00} on Wayfair order XXXX. I had {$230.00} in rewards points/credits on my Wayfair account from my Wayfair/Citibank credit card XXXX So during check out, I applied the {$230.00} points to the {$320.00} item which would be {$97.00} total plus tax ( 8 % is {$7.00} ) on the {$97.00} = {$100.00}. This is what I authorized to be charged on my card XXXX XXXX credit card during check out which is what i used to pay the difference. 

However, I find today that Wayfair charged {$350.00} ( {$320.00} plus tax ) to my XXXX XXXX card and did not apply the {$230.00} in rewards/credit as it was when I checked out during the purchase. I have been over charged {$250.00} because they refuse to apply my Wayfair points. 

I have also advised XXXX that I am unable to use any points during check out and there is something wrong with my account. My pleas to resolve this go unanswered. 

I called Wayfair customer service line at XXXX who told me that they could not help me and that my account would be handled by the " XXXX XXXX XXXX ''. I asked that the XXXX XXXX XXXX call me due to my XXXX in accordance with the Americans with XXXX XXXX. Instead someone by the name of XXXX XXXX from Wayfair started to email me and refused to apply the Wayfair points/credits in my account giving no reason why. They asked for documents showing the points on my XXXX account and I gave them the same as I am giving you here. XXXX XXXX just closed the case and did nothing to fix the overcharge or apply the Wayfair points. I spent four hours on the phone and in emails with Wayfair and they refused to correct the overcharge. 

I did NOT agree to the {$350.00} charge on my XXXX XXXX credit card, it just showed up on my XXXX account today. The correct amount I was to be charged for this item was {$100.00} NOT {$350.00}. 

Not being able to use my Wayfair credit card rewards is a violation of the terms and agreement of the Wayfair credit card issued by Citibank N.A.