23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My name is XXXX XXXX, XXXX. This is for my Citi checking account # XXXX. 

The XXXX  : I put XXXX into a Citi checking account and tried to transfer out 2 week later. Citi closed my account without telling me and told me can not tell me why, and that the only way I can get my monet back is to file recalls of he money from funding banks and Citi can not give me the money or send me a check. 

Whole story : I put in around XXXX in late XX/XX/XXXX. XXXX of it were an ACH transfer from my other bank account, the rest of XXXX is a wire transfer from my husband ( XXXX XXXX ). This money I put into Citi as relationship money to lower my mortgage rate. The mortgage and house was closed on XX/XX/XXXX. And I tried to transfer my money out on XX/XX/XXXX online and it failed. I called Citi to see what is up and they told me the transfer is going through regular verification and will go through once it is done. I checked my account on XX/XX/XXXX and I can not log in. I called Citi bank and they informed me they have closed my account and can not tell me why and will send me a check to my address on file. I told me I am moving today and need to change my address, but they said they can not do that because my account is closed. I called the. banker that helped me open this account -- XXXX XXXX ( XXXX ). He helped me contacted the fraud department who closed my account on XX/XX/XXXX, and we 3 were in a call together. The fraud department guy ( XXXX ) said it is because my funds are not verified so I can not get the money but refused to tell me how I can get the funds verified. XXXX later said I can go to a branch and get the money and XXXX pointed out that he is at the branch and there is no way I can get the money from a branch. In the end of that call, XXXX said I can not get the money from a check and it has to be the funding banks ( XXXX and my husband 's bank ) to recall the money, and he agreed to further check with the backend office and see if they can get my money verified. 

Immediately after, I called my bank XXXX to recall the XXXX, and they informed me this is not possible as it is a direct ACH transfer into the Citi account that happened 2 weeks ago and Citi has the money not them. 

On XX/XX/XXXX, XXXX from fraud department called me back and said the backend office can not verify my funds and said I had to go to the funding banks to recall the funds, and Citi will not send a check to me. I told him that I have contacted the funding banks and they said it is not possible. XXXX said he will ask the backend office again and see if there is another way.
Product: Credit card

CHIME has been reporting an incorrect delinquency status on my XXXX credit report that is causing massive financial damage. This is a pre paid credit builder card and there is no way I could " fall behind '' when all the funds used are my own money. I have contacted them on several occasions and initiated a call with there escalations team but I still have derogatory remarks on my credit report. These remarks show a XXXX XXXX late in XXXX of 2024, and a charge off for XXXX and XXXX of 2024. I am in the middle of obtaining a mortgage and these incorrect remarks are causing immense financial damages.
Product: Credit card

I am writing to formally submit a complaint regarding the recent denial of my application for a Best Buy store credit card. 

- Store Location : [ Best Buy, XXXX, Wisconsin XXXX location I applied for the Best Buy credit card on XX/XX/2025 with the expectation of using it for purchases at Best Buy stores and online to take advantage of the card 's benefits, such as rewards and special financing offers. However, I was informed that my application was denied. 

Reason Given for Denial : - Insufficient credit experience My Concerns : 1. Lack of Explanation : The denial was communicated without clear reasons or sufficient detail, which I believe violates the Equal Credit Opportunity Act ( ECOA ) that requires lenders to provide a specific reason for credit denial. 

2. Impact on Credit : The application process included a hard inquiry on my credit report, which could negatively affect my credit score, yet I was not afforded the opportunity to understand or address the issues leading to the denial. 

3. Potential Discrimination : I am concerned there might have been discriminatory practices at play, as I am not aware of any financial or credit-related issues that should have led to this outcome. I request an investigation into whether Best Buy 's credit decision-making is free from bias or discrimination. 

Requested Actions : - A detailed explanation for the denial of my credit application. 
- If applicable, steps I can take to rectify my situation and reapply for the credit card. 
- An opportunity to review my credit application data for accuracy. 
- Consideration for reevaluation of my application considering the above points. 

I trust that the CFPB will help resolve this matter in compliance with federal consumer protection laws. I look forward to your prompt response and assistance in this matter. 

Thank you for your attention to this issue.
Product: Payday loan, title loan, personal loan, or advance loan

I revoke authorization from Lend a dollar automatically withdrawing payments from my checking account and debit card per my signed loan agreement. The company is still processing automatic electronic checks. The company stated I am unable to revoke authorization from them processing electronic checks. I would have to do so through my bank. The company processed a check on XX/XX/year> and it returned due to insufficient funds. The payment was processed on the incorrect pay date. I am paid on the XXXX and the XXXX of each month. This payment caused me a {$29.00} return fee. On XX/XX/year> the company ran a payment using my debit card in which they insured me they had stopped because they received my revoke authorization. The payment on XX/XX/year> was unauthorized. When I called to inquire about the unauthorized payment being processed management informed me that I am unable to make scheduled installment payments on my own. My only option was for them to automatically withdraw my payments. This isn't right and I should be able to make my payments on my own on the due dates of my installment.
Product: Debt collection

RADIUS GLOBAL. 
XXXX XXXX XXXX, MN. XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, FL. XXXX XXXX. XXXX XXXX. XXXX Has called multiple times calling about XXXX debt that I did not have contract with and I had as requested XXXX to stop service and they kept charging me. Also I have not lived at that address going 2 years now. I requested " cease and desist ''. They have called 12 times in the last 4 months. This is clearly harassment and I do not owe this company or XXXX and would like a monetary settlement.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because i was a victim of the Equifax Data Breach.I want these items Deleted from my credit reports effectively immediately.I am attaching proof that Equifax has admitted that i was a victim of this Data Breach and Equifax has done nothing.Please help me Delete these illegal accounts from my Credit Reports. 
XXXX XXXX  ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX  ACCT # XXXX I ALSO WANT ALL HARD INQUIRIES DELETED FROM ALL XXXX CREDIT REPORTS BUREAU 'S MADE FROM YEAR XXXX TO XX/XX/XXXX IMMEDIATELLY DELETED.15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.
Product: Credit card

XXXX of XXXX, Synchrony bank changed my credit limit for no reason. Although I had been making my payments on time and never been late.
Product: Mortgage

On XX/XX/2021, NationStar Mortgage ( dba Mr. Cooper XXXX drafted two mortgage payments of {$2100.00} - one of which was not authorized. Attempts to rectify this with Mr. Cooper customer service via email and online chat were unsuccessful. On XX/XX/XXXX, I saw news coverage outlining that Mr. Cooper was aware of the problem, as of XX/XX/XXXX, and would have all unauthorized debits reversed by the end of day on the XXXX. On the XXXX, the two debits of {$2100.00} on XX/XX/XXXX were still present, so on the XXXX I reached out to the reporter, XXXX XXXX of XXXX, to inform her that the press release was not accurate. She reached out to Mr. Cooper bout it who ask for my name. Shortly there after, debits and credits showed up all over the place. Including a debit on the XXXX, that was not there previously, two debits on the XXXX and two credits on XXXX. Both Mr. Cooper and my bank, XXXX  XXXX XXXX, say they can not see this activity. NationStar is lying to regulators, the press and customersXXXX XXXX XXXX XXXX is not keep adequate audit records of how accounts and statements are being changed.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX an XXXX tranaction was mistakenly sent back to the Kraken XXXX XXXX  after withdrawl. XXXX XXXX for XXXX XXXX. 

Kraken support was contacted immediately for assistance in recovering the coins. 

Kraken acknowledged the receipt of the coins and said it will take some time to recover them the same evening. 

Multiple attempts to contact support have been unanswered for the past XXXX XXXX 

Whenever I start a new ticket to recieve an update I am referred back to the original ticket in which support refuses to respond on. It has been more than XXXX XXXX now with no resolution
Product: Checking or savings account

Well I was informed by the police someone as stole my identity and making accounts on my name and making checks with my information. With Wells Fargo and I dont own an account from this bank. So Im trying to report this
Product: Checking or savings account

I had a two accounts at chase bank, Sunday everything was fine come Monday I tried to use my debit card and the card was declined. I called Chase Bank and was told my accounts were closed and no reason could be given. My chase accounts were in good standing, no overdraft, funds stayed above a certain limit. Im stuck and confused, they really could not give me a reason why the account was closed the representative could only say they have no reason and when I receive an official letter that as well will be vague. I am highly disappointed and very angry.
Product: Debt collection

Calls started from Conns XXXX XXXX XX/XX/XXXX every XXXX on the hour all day. Then this morning XX/XX/XXXX they have progressed from XXXX to every min this morning. I also received a text stating that I do not want to have to face escalation and pay my bill today. I'm in the process now with my cell company XXXX to retrieve all the calls as well as the texts I am receiving. My bill is due on the XXXX of every month and today is XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : XXXX. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Update to Open/Never late. 


XXXX. 15 U.S. CODE 1692e - False or misleading representations XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Checking or savings account

i was to recieve my stimulus payment to my account via IRS, and was told that my money can not be deposited in my account because i am married and have XXXX dependants. this is how the IRS sent the ACH in. it has been mishandled and is now the banks problem to fix this issue on a timely manner. i had no issues in XXXX when a married couples stimulus payment of XXXXx2 was deposited. i would like this matter fixed in a timely manner and at no time was BBVA BANK encouraged to fix the problem in a timely manner
Product: Credit card

I have had a checking and saving card with TD Bank for at least XXXX XXXX  After that I decided to get a credit card with them and since I do not have an XXXX  they gave me a secured card on which I put {$300.00} in advance to spend. 
They had promised me that after XXXX XXXX my card would automatically become a normal credit card ( not secured ) and my {$300.00} would be credited to my checking account. After XXXX XXXX I went to the bank branch where I opened the account at XXXX XXXX XXXX, XXXX, XXXX. They told me that the credit card I had still had to remain secured for XXXX XXXX XXXX ( that is, a total of XXXX XXXX XXXX  when they themselves told me that after XXXX XXXX  it would be released. I accepted. 
After XXXX XXXX  I went back to the bank branch and they told me that the card could not be released. After that, my XXXX account was closed, so I couldn't send or receive money to my account. At that time, I went to the bank again, to the branch at XXXX XXXX XXXX, XXXX XXXX XXXX. There they told me that due to attempted fraud, they had canceled my XXXX and that it couldn't be reactivated again. I asked for information about fraud and they told me that they couldn't say anything and that they didn't have any information, since I was the account holder. So I never had any information about the " alleged fraud '' After that, they closed my checking account and my savings account without my permission. Also, all of my TD bank cards stopped working, so I couldn't make any purchases. And they started charging me interest every month on my secured credit card. I called the bank several times and I was never able to close the account. They transferred me to the credit card department and they transferred me to another department while I waited in line for a long time. To this day, I can't close my account and the interest keeps increasing. 
In the attachment I leave the account statements from XXXX of last year. My credit card stopped working in XX/XX/year>. In the statements you can see how to charge interest of {$40.00} every month to a secured credit card in which my spending credit is money that I paid in advance to the bank. Not only did they have the money but they also charged me interest of {$40.00} a month. And I couldn't do anything, even without being able to use the card for any expense. I really think this bank takes advantage of people with fewer resources.
Product: Credit reporting or other personal consumer reports

Hello to whom it may concern I was looking over my credit report and noticed that I had some unauthorized inquiries on my credit report from XXXX and from XXXX and I want removed from my report asap because it's hurting my credit THANKS 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 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

Transunion furnaced information on my credit report incorrectly. I reached out and disputed items and they updated the report to information that was correct regarding employer and late payments. Transunion had and Incorrect employer. They also had a late payment reflecting with credit one that was incorrect and in violation of reporting regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes on what I believe to be inaccurate information on my Equifax credit report. I can't get into the Equifax dispute system because they are constantly having problems with their website. I only have one of the dispute results readily available. 
There is a derogatory remark on my credit file for XXXX XXXX XXXX XXXX from XXXX XXXX XXXX for a collection of {$70.00}. I called XXXX XXXX for a copy of a bill as I have never received one. They tell me that they can't get a copy because it has been turned over for collection and I need to call XXXX XXXX XXXX XXXX. I call XXXX XXXX XXXX XXXX  to see if they can help me figure out what this is for. I get NO HELP from them. I am not going to pay something if I can't get a copy of a bill for it. 
This was on both on XXXX AND EQUIFAX. I file a dispute with both. XXXX cleared it off of my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX I am writing to inform you that there is 100 % improper use of the credit report attached to the XXXX! XXXX, EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY PISSED ABOUT THIS. I looked over the credit report and FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, birth certificate, driver 's license, and a w2.This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, EQUIFAX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, EQUIFAX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, EQUIFAX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN. POTENTIAL LAWSUITS LIST : XXXX, Equifax and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. 15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 
Account Name XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX - Account Number XXXX XX/XX/XXXX XXXX I never XXXX XXXX CONTRACT WITH THIS COMPANY. PLEASE REMOVE THIS. 
Account Name XXXX XXXX XXXX Original Creditor : XXXX - Account Number XXXX XX/XX/XXXX XXXX / Equifax / XXXX I never HAD A CONTRACT WITH THIS COMPANY. PLEASE REMOVE THIS. 
Account Name XXXX XXXX Original Creditor : XXXX XXXX  - Account Number XXXX XX/XX/XXXX XXXX / Equifax / XXXX I never HAD A CONTRACT WITH THIS COMPANY. PLEASE REMOVE THIS. 
XXXX Inquiries XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

In XXXX, our company received email communication about change of bank information of XXXX of our suppliers. Our Company made a payment to this supplier ( XXXX ) to their new account with SYNOVUS bank on XX/XX/XXXX. On XX/XX/XXXX ( XXXX  ), at XXXX XXXX, XXXX XXXX  called us, stating that the receiving bank found mismatched payment information and had held the funds, asking us to confirm. We immediately called XXXX again and realized they had never changed their bank account! We promptly called XXXX XXXX  at XXXX XXXX, instructing them to stop the payment immediately and asking SYNOVOUS Bank to hold the payment. My manager also sent a text message to ensure they would try to freeze the funds. 

Subsequently, XXXX informed me that their accountant 's email had been cloned. The emails I had received about the account change and confirmation were not from their accountant. That day, after notifying XXXX XXXX, XXXX contacted SYNOVUS Bank ( we are currently obtaining the communication content and timeline between the XXXX banks ) and initiated the fund recovery process. On the next day, XX/XX/XXXX, we reported the incident to the FBI online and the XXXX Police Department. I also personally went to the police station to file a report ( case number : XXXX ). The police said the case would be transferred to the relevant department for handling. 

Today ( XX/XX/XXXX ), we received information from XXXX XXXX  that the online recovery of the payment had failed. During this period, we also contacted SYNOVUS Bank, but they said they could only communicate with the remitting XXXX XXXX. Today, we communicated with XXXX XXXX  again. It is currently unclear whether the funds are still in the SYNOVUS bank account, and it may require legal action or assistance from the FBI and police to recover the funds.
Product: Debt collection

I am filing another complaintsince you failed to resolve this issue regarding my previous complaint [ XXXX ] In your response, you said that you sent thedocuments to my address but I never got anything like a debt validation letter. I am not sure who and where you sent it to but I never got what I have been asking you, and to be clear, I am NOT REQUESTINGFOR A VERIFICATION, but DEBT VALIDATION LETTER. This time to make it easier for both parties. I want you to attach the debt validation letter to your response to this complaint, this way the CFPB will also see that you really are doing your part infulfilling my request. I assume that since you claim to have sent it alreadyto me, it won'tbe an issue to send a copy through CFPB. right? You only have within 7 days to complete this request, failingthat, you need to clear my records.