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

In preparation to moving to XXXX, I wanted to move IRA funds from my mutual fund company to an IRA CD at Synchrony Bank. It was only during my third phone inquiy, I was informed that Synchrony would freeze my account and even close the account if I switched my address to XXXX. No where on the company 's website was this disclosed nor was it revealed in my first few calls to the company where I was assured switching residency to XXXX would not be a problem. I learned only that it was not possible to maintain an account from outside the US when I asked how to go about naming my spouse, a XXXX XXXX, as my beneficiary. 

I felt the specialists were confused about the issue in general and, since I have opened up other IRAs at other banks with receiving the OK of having a XXXX mailing address, I felt Synchrony Bank own lack of disclosure of its policy not to maintain account relationships with non-residents potentially damaging to an IRA whose closing could create unpleasant tax consequences. Moreover, the US Patriot Act was disingenuously cited as the reason Synchrony could not continue an account relationship, when it seems it was Synchrony Bank 's own policy to terminate an account relationship in order to avoid the cost and effort to comply with law, rather than the law itself. I do n't mind if Synchrony Bank does not want to maintain an account with a non-resident of the US but the bank should disclose that accounts are in jeopardy if an account holder moves out of the country or at least train all its call center personnel to disclose that. 

I am a US citizen with a US social security number and wanted to move about {$88000.00} to the bank.
Product: Debt collection

I am a federally protected consumer and Berlin Wheeler has violated my privacy, and has continued to violate my privacy. Berlin Wheeler has knowingly and willfully obtained my information under false pretenses and this is a direct violation of 15 USC 1681q. I am demanding Berlin Wheeler to provide proof of this alleged debt, specifically the original application or contact signed between I, the consumer, XXXX XXXX, and Berlin Wheeler, notarized and sworn under penalty and perjury for Berlin Wheeler to collect this alleged debt. Berlin Wheeler needs my written consent to furnish anything to my credit report and I have not given Berlin Wheeler any authorization. Berlin Wheeler has committed fraud by using my identifying information without my authority. I have a right to make sure my private information isn't shared, which is backed by 15 USC 6801. I am now opting out of any and all authorization, I, the consumer, may have given you written, non written, verbal, and nonverbal per 15 USC 6802 EFFECTIVE IMMEDIATELY AND INDEFINITELY.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of the accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX, Acct # XXXX 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 also states a consumer reporting agency can not furnish an 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: Mortgage

I currently have a 30 year decreasing interest rate loan with Beneficial a member of the HSBC Group. I have had this loan since XXXX XXXX, 2005. Under the terms of the loan, my interest rate will decrease by one quarter percent annually if all payments are made on time during the year, which has always been the case. This was done automatically until 3 years ago. For the past three years on my anniversary date the interest rate has not been decreased until I call and write letters to have the issue resolved. Since this has happened for three consecutive years, I feel Beneficial is behaving in a fraudulent manner, hoping I will not hold them to the terms of the mortgage thus receiving a higher than entitled interest rate. I can mail you any paperwork you may need to assist you, I am unable to download anything on the computer. As of this date I am still waiting for the interest deduction after numerous telephone calls and registered letter. Beneficial says they are working on the problem. However, I make my payments on line biweekly and when trying to use their website I am locked out supposedly because they are making updates. Thus I feel they are trying to make me miss a payment so I am in violation of my contract so I can not receive the interest deduction. Please assist me in this matter so I do not have to repeatedly go through this process. XXXX XXXX, 2015
Product: Credit card or prepaid card

Unfortunately, I did not keep a record of the phone calls. Sometime in XX/XX/XXXX, I misplaced a Citibank Costco credit card. After I received a replacement, I called Citibank to inquired how to include my housemate 's name onto this account. After I disclosed my housemate 's name to the banks 's customer service representative, I decided to not follow thru cause it was too much trouble. A couple weeks later, I received two phone calls from Citibank stating my housemate attempted to use a Citi XXXX XXXX credit card. The bank said my housemate is listed on this account as a authorized user. I told the CSR, I never authorized anyone on my account & the bank only learned of my housemate 's name thru my initial call to the bank regarding my Costco 's account. Furthermore, I told the rep, the bank has no record of I or my housemate either receiving nor activating a credit card with housemate 's name. On XX/XX/XXXX, I received a Citibank notice regarding a {$580.00} charge on my XXXX XXXX account which was not authorized by me. On XX/XX/XXXX, I wrote a letter to the bank stating I did not make nor authorized this {$580.00} charge. On XX/XX/XXXX, received Citibank notice that I authorized via Citibank website housemate 's name as a user ; and they will remove his name from the account. On XX/XX/XXXX, I received a billing statement for {$620.00} for the charge I never made, plus late fees. I do not recall if the bank asked if I had the XXXX XXXX card in my possession, or if I destroyed it afterwards, or if I misplaced it at the same time I misplaced the Costco card. During this last phone call, I became upset cause someone used a credit card with my housemate 's name on it, & how this {$580.00} unauthorized charge will affect my XXXX plus FICO scores.
Product: Credit reporting or other personal consumer reports

Credit Karma, XXXX, XXXX XXXX are preventing me from submitting documentation of my student loans which total approximately {$97000.00} and were at one point double reported showing my debt to be around {$190000.00}. The duplicate account was removed. My student loan debt was forgiven in XXXX of 2024. I have a XXXX balance and my loans are closed under PSLF. I have documentation from XXXX proving this and none of the above mentioned organizations have allowed me to submit it. While my report shows these loans in good standing, my report needs to reflect that I currently have a XXXX balance. In XX/XX/year>2024 I retired due to health issues and my income is a 1/3 of what I made before. This amount of inaccurate debt is inflating my debt to income ratio. I am in need of making some life changes due to my retirement and this is interfering with my ability to get a very necessary personal loan. Since my loans were forgiven in XX/XX/year>2024 it's creating me additional hardship because almost one year later my reports do not reflect this and my attempts to remedy it are being ignored. XXXX hasn't responded to my complaint that was filed on XX/XX/year>2024 but I have been unable to provide my documentation. I spent several days in the past week in chats with Credit Karma trying to get them to attach documentation to my complaint. They just referred me to XXXX and XXXX. At this point I am going to mail the documents to them and send them certified mail. Yes a cost to me. I should not have to be dealing with this still almost one year later. Thank you for allowing me submit my documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30-60 days gives a reason to immediately remove those items from my credit report it has been over days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used to have a store card with XXXX 's that was turned over to a company called XXXX XXXX a collection agency. That account with XXXX XXXX XXXX, was sold to an Attorney 's office called XXXX, XXXX, & XXXX on Maryland. I paid of the balance owed to XXXX XXXX and have furnished the payoff to Equifax. Equifax continues to report the XXXX XXXX account as derogatory on my credit report and continues to reflect a credit score ( Equifax 616 ), way below the other two credit reporting agencies ( XXXX 717 ), and XXXX ( 654 ). I filed a complaint in XX/XX/XXXX, furnishing them with the final payoff letter with XXXX, XXXX, and XXXX. After their investigation they still refused to take the XXXX XXXX account off my credit report. I approached the XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX furnishing them with all the documentation. The XXXX XXXX XXXX closed my file without getting to the bottom of the matter in XX/XX/XXXX. Today XX/XX/XXXX I refiled with the XXXX XXXX XXXX XXXX XXXX with the additional documentation of the final payoff letter from XXXX XXXX. The XXXX XXXX XXXX swiftly responded stating that I was filing a duplicate complaint, and closed my file again. Today 's complaint number with XXXX XXXX was XXXX. I have tried to upload the new letter on the Equifax website and I am unable to. I feel I am just running around in circles about this matter.
Product: Mortgage

This is my final entry for the portal with my servicer and note holder. I will uploading a correction for the servicer regarding XXXX XXXX on the mortgage which indicated by the server to notify of intent to fore-closer letter she received.
Product: Debt collection

An identity report and police report was submitted to the credit bureaus and CFPB to dispute fraudulent accounts on my credit reports including XXXX XXXX XXXX numerous times. ALL accounts have been investigated and remove with the exception of XXXX XXXX XXXX. Can you please assist with removing this account from my credit report.
Product: Money transfer, virtual currency, or money service

Hello, I attempted to transfer {$80.00} to XXXX XXXX XXXX in the XXXX on XXXX XXXX, via MoneyGram. MoneyGram informed me that they processed the transfer on XX/XX/XXXX, and the money was received on XX/XX/XXXX. However, the receiver says he has not received this money. Upon contacting Money Gram, they opened a case on XX/XX/XXXX. 
After calling and contacting MoneyGram about half a dozen times, MoneyGram sent me an email on XX/XX/XXXX, ( Please see the attached file named " doc1 '' ) saying that " After completing our investigation, we have determined that an error may have in fact occurred with your transaction. We apologize for the delay in the funds being made available. Our records show that the transaction was successfully received. 
As such, you are entitled to a refund in the amount of {$190.00}. This amount represents the transfer fee you paid with this transaction. '' But I checked again with the receiver and he maintained that he had not received any money via MoneyGram in XXXX or XX/XX/XXXX. I contacted MoneyGram customer service, asking for proof of their communications with the receiver bank and their claim that the receiver bank confirmed that the money was received and also asking them to provide me with an exact date that the money was deposited to the receiver 's account. After a few days, I received another email from MoneyGram on XX/XX/XXXX ( please see attached file, named " doc2 '' ) sending me what they regard as " proof of Deposit ''. I have not attached this receipt because it contains account numbers and other sensitive information but I can provide you with a copy of this receipt upon request. 

However, as I said in my response to them I had requested proof that the receiver bank, XXXX XXXXXXXX XXXX confirmed that it had received the money and also the specific date it received the money and deposited it. The document they sent to me is not from XXXX XXXX XXXX. Also, the date on this document is XXXX, which is the transaction date according to the receipt available on my MoneyGram account XXXX not the date the money was received by the receiver bank. Moneygram initially claimed that money was received on XX/XX/XXXX ( according to the receipt available on my MoneyGram account ) but in the email, they sent to me on XX/XX/XXXX, ( please see the attached file, " doc1 '' ), they conceded there might have been an error and the money transfer was delayed although they provided no information on that date. 

I have to mention that this was not the first time I sent money to the receiver and to his bank in the XXXX. I have done it before via MoneyGram once ( in XX/XX/XXXX ) and via XXXX service three times ( including twice in XX/XX/XXXX ) with no problem. 

Thanks for your consideration, XXXX XXXX
Product: Credit card or prepaid card

Capital one approved me for a credit line XXXX on new credit card. I already have 2 other cards with them with XXXX and regular card. I have sent them my photo twice, my SSN card, TWO BANK STATEMENTS WITH MY CURRENT ADDRESS a statement with my mother 's information since she listed as authorized user AND THEY ARE ABLE TO REACH ME OMN MY PHN WITH THE # ON FILE WITH THE CARD and THEY STILL HAVE THIS ACCT RESTRICTED AS POTENTIAL FRAUD AND ITS BEEN WEEKS
Product: Money transfer, virtual currency, or money service

I filed a fraud claim with Cash App after purchasing clothes from a seller on XXXX, only to discover the transaction was a scam. The merchant never shipped my order or provided a tracking number. Despite multiple emails with no response, I reached out to Cash App, providing all the necessary proof, including email correspondence with the seller. However, Cash App has not refunded my money or resolved the issue.
Product: Credit card or prepaid card

I bought a NetSpend card and put XXXX dollars on it.when trying to activate netspend locked it right off and said that my friends card had to be paid in full in order to use my card.they told me that I was on the cardholder agreement also.which I am not.i called several times trying to straighten this out.my address and phone number is same as friends but not email.she owes {$110.00} on her card and they're trying to make me pay it.i just bought my card today ( XX/XX/23 ) .she 's had her NetSpend card for over a year.my friend went online and the only person on her card is her..so does that not mean she's financially responsible? by the way they locked my card right off the bat.
Product: Credit card

I am writing to file a complaint regarding an interest charge applied to my Apple Card, issued by Goldman Sachs. In XXXX, my payment was returned, which resulted in an interest charge on XX/XX/XXXX. I am uncertain when or why my auto-payment settings were changed, but the current setupwhere the payment due date is set for the last day of the monthseems to unfairly penalize cardholders. If a payment fails for any reason, interest is immediately applied. This feels like predatory behavior, and I believe I was unfairly charged. 

I am requesting reimbursement for the interest charged for the month of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is the main problem of the three credit bureaus and I called them numerous time to fix the problem. They put a Suffix after my Last name and I am being bullied and harassed because that suggests that I am a male. I have never included that on any applications. I asked them to fix it but they downright don't do it. Many people asked me if I have a suffix in my name. I tell them no. Please I need help getting that fixed because it seems as though this is done deliberately. This is going to escalate to me having to file a lawsuit against the credit buraus for defamation of character
Product: Credit reporting

I was told I could receive a copy of my credit report from a Experian XXXX after a company used them for my decision. I mailed Experian XXXX exactly per address given and it was returned " Return to Sender '' Unable to Forward '' Then I tried the XXXXXXXXXXXX they also gave me and it says no such web address. See attached for letters and return envelope etc Thanks
Product: Credit reporting or other personal consumer reports

Equifax continues to not comply with federal law after multiple attempts to resolve with them directly. Equifax misconduct violates the following federal laws : Failure to Reinvestigate Disputes ( FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ) Equifax is required to conduct a reasonable reinvestigation of disputed information. Instead, they have blindly verified inaccurate data without providing any legal proof of validation as required by law.

Reporting Inaccurate or Misleading Information ( FCRA 15 U.S.C. 1681s-2 ( a ) ) The law prohibits credit bureaus from reporting false, unverifiable, or misleading information. You continue to report false late payments, collections, and incorrect remarks on discharged bankruptcy accounts.

Unlawful Reporting of Bankruptcy Discharged Accounts ( FCRA 15 U.S.C. 1681c ( a ) ( 1 ) & 11 U.S.C. 524 ( a ) ) It is illegal to report accounts discharged in bankruptcy in a misleading way. You are falsely reporting late payments, charge-offs, and remarks such as Closed by Creditor on accounts that were legally discharged.

Failure to Verify Debt Before Reporting ( FCRA 15 U.S.C. 1681b & 1681s-2 ) I never consented to certain furnishers, including XXXX XXXX XXXX XXXX and XXXX XXXX reporting on my credit file. You are required to provide legal proof of verification before including these debts in my report. 

Also to add, XXXX illegally uses another company as a collection agency and list their company XXXX XXXX as the furnisher when that is not correct. IF you call XXXX regarding the account in question, they state they do not own the account and are not able to assist with anything regarding that account directing to a third-party. 

The Consumer Financial Protection Bureau ( CFPB ) is actively investigating credit bureaus for failing to conduct lawful investigations regarding the situations I have outlined above. Equifax must comply with the law.
Product: Money transfer, virtual currency, or money service

The company called Plastiq was supposed XXXX a check to XXXX XXXX XXXX, but they did not. They charge 2.85 % for the service. I incurred {$37.00} late fee from XXXX. Plastiq promised to pay me the late fee. I submitted all documentation, but they never did. They refunded me my payment, but not the late fee.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report a closed account issued by XXXX/XXXX in which the last " late payment '' was received over 7 years ago. Not only was the account fraudulently open without my knowledge or authorization and therefore must be removed, the delinquency legally can not be included in my credit history on my credit report due to its age and must be removed. 

Equifax previously removed the following accounts from my credit report due to fraud, and has not re-listed the accounts and the negative reporting history, including XXXX/XXXX ( opened XX/XX/XXXX balance {$9100.00} ) ; XXXX XXXX XXXX ( opened XX/XX/XXXX, balance {$490.00} ) ; XXXX XXXX XXXX ( opened XX/XX/XXXX balance {$550.00} ) ; XXXX/XXXX  XXXX ( opened XX/XX/XXXX balance {$1600.00} ) ; XXXX/XXXX ( opened XX/XX/XXXX ) ; and XXXX/XXXX ( opened XX/XX/XXXX balance {$4900.00} ) I have no access to the account information in order to dispute with the creditor because they were opened fraudulently without my knowledge or consent. Despite this finding, Equifax has since relisted the accounts as belonging to be with has negatively affected my credit and finances.
Product: Credit reporting or other personal consumer reports

I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!! 


XXXX XXXX XXXX {$10000.00} I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.