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

The fifth complaint regarding Goldman Marcus continued failure to pay me the funds from a CD that matured on XX/XX/24 - the fourth being Complaint Number XXXX. After speaking to XXXX in the complaint department on XX/XX/24, he indicated that the XXXX day period ( the time period XXXX XXXX they " have to wait '' before paying me on a lost check ), would be XX/XX/24 and I could receive the funds ( approximate value {$26000.00} ) plus interest. He indicated they could be wired on that day, and that someone would reach out to me. 

Today is XX/XX/24 and I called Goldman- no one reached out to me, and nothing happened. After speaking with a supervisor, they gave me a case number to start addressing the problem (! ) now that 90 days had passed. The case number is XXXX. 

So, here we have a US Treasury primary dealer, who issues FDIC insured CDs, that has not paid a customer on a maturing CD for three months. If the CFPB can not force banks to do the most basic functions of a bank, I just do not understand what the purpose of the agency is? I suppose I can get an attorney friend to help me file a lawsuit, but not sure I understand why any of this is necessary. Simply wire me the funds that I am owed, plus interest and - if there is any justice - compensation for the hours wasted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with SYNCB/CARECR. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and SYNCB/CARECR with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

These account was open up fraudulently without my knowledge, And any proceeding that was used I didn't receive any. 

Brandsmart-Sync/BRMART Acct # XXXX Open XX/XX/XXXX Credit Amount : {$1200.00} Used Amount : {$1500.00} XXXX XXXX- Acct # XXXX Open XX/XX/XXXX XXXX XXXX : {$300.00} Used Amount : {$600.00} XXXX XXXX XXXX Acct # XXXX Open XX/XX/XXXX Credit Amount : {$4500.00} Used Amount : {$4500.00} XXXX Acct # XXXX Open XX/XX/XXXX Credit Amount : {$2800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report had an account listed from that are not mine. I disputed the accounts with the credit bureau as " not mine '' but it recently came back as verified ... I have never had an account with these companies. Please delete immediately before further harm is done.. Remove XXXX XXXX
Product: Credit card or prepaid card

THE XXXXXXXX XXXX/CITIBANK has NO Permissible purposes to report or share my non public information with third parties compines or Permissible purposes to obtain my personal information, iv'e contacted this company about this fraudulent account that was open without my consent I've notified this company over and over about this identity theft account this company still contacting me and trying to collect on a charge off date I don't owe, I never open up this account or used goods, services from this company its a result of fraud, MY MAIL WAS FRAUDULENT TAKEN OVER ALSO MY PHONE WAS XXXX SWAP fraudsters took over my whole life I'm fighting to get my life back in order please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX- Capital One, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : 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: Credit reporting, credit repair services, or other personal consumer reports

I recently became aware of several inquiries on my credit reports. I discovered that a previous tenant of mine had fraudulently acquired and used my personal information to obtain credit while he lived with me. I contacted the police and due to a recent outbreak of XXXX XXXX  and XXXX  XXXX in my city they were unresponsive and advised me to take the matter to civil court and because the tenant had moved to another state there wasn't anything they could do. XXXX promptly and professionally removed the inquiries in question but XXXX  and TransUnion have refused to do so, telling me that hard inquiries can not be removed unless there is a police report. I will gladly list the inquiries that were done fraudulently for both XXXX  and TransUnion individually if they contact me so I can list them. 
Additionally, XXXX just lowered my credit score XXXX points with no new negative information being listed as the reason. I will attach a copy I obtained showing the drop and the " reasons '' they have done so. 
I am now not able to obtain credit and am in need of a new roof for my house ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I get a call XXXX times a day about student loan, I have no student loans I told them, they said they will call everyday until I pay but they do n't know my name. Phone number calling from is XXXX. We got in a heated argument I told them I will get a lawyer take me off the list. The lady said she will call everyday.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX self XXXX account number XXXX I have been disputing this account since XX/XX/2022, every month. This company has not been able to validate the debt. Ive noticed Ive been violated pursuant to the FDCPA, there is evidence of the use of abuse, deceptive and unfair debt collection practices. These practices resulted in infringement of my intellectual property rights. 
According to 15 USC 169c ( c ) ( 2 ) and 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604A section 2 : it also states consumer reporting agency CAN NOT furnish an account without my WRITTEN consent and I am demanding all of the following : -Stop illegal negative reporting to ALL consumer reporting agencies and report positive reports or remove this account from my consumer credit report. Remove late payments from XXXX of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i WAS TOLD BY CAPITOL ONE REP TO APPLY FOR THE VENTURE CARD I ASKED HER TWICE IF IT WAS A HARD PULL OR SOFT PULL SHE SOFT, WELL IT WAS NOT ... ... ..I WAS THIS REMOVED, FROM MY CREDIT REPORT ... ... ... ... ... ... THAT REALLY MAKES MY CREDIT SCORE SUFFER WRONG INFO GIVEN TO ME
Product: Credit reporting or other personal consumer reports

I have disputed this account several times directly through the company as well as transunion and experian. i have also sent supporting documents from the company that directly disputes what they are providing to the credit agencies. they said they reached out to the company and updated my account with what the company reported but not the facts that i sent from the company via email.they also have the account being closed in XXXX of XXXX when it was actually closed in XXXX. I have read numerous complaints about this company and how they will not remove items from report even if they are incorrect. i also requested a copy of the sale of the vehicle and got a response via email that they have a copy of the sale
Product: Credit card or prepaid card

Discover is sending me aXXXX for debt that is over XXXX years old
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed the following credit card companies and loan companies on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whom I've never established any kind of business with. I have also included multiple inquires in my credit report that needs removed, as I have never gave these companies permission to run my credit report. I have included the accounts and all inquiries to my Identity Theft Report.
Product: Prepaid card

Tried to use the American Express gift card I got at XXXX, XXXX, and various other stores. Charges 10 cents per purchase but no actual purchase is made because the card keeps getting declined. It has {$100.00} on it.
Product: Money transfer, virtual currency, or money service

Specifically Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.
Product: Prepaid card

I bought XXXX Amex gift cards and they don't seem to work anywhere online. I have called them so many times and they keep telling me that I can not get a refund so I have XXXX cards that have my money on them that I can not use anywhere I want to use them at. I bought the first card in early XXXX and I bought the second one on XX/XX/2023. I just want my money back since I can't use the cards where I want to use them. I never had these issues before using their cards but I guess they changed or something because now I can't use their cards anywhere online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just pulled my annual credit report and noticed several accounts that were opened in my name without my consent and was told to file a complaint to get the situation taking care of with the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX, Discover Financial, and XXXX XXXX. The Account Opened is XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a national data breach. When reviewing my credit reports, I noticed some accounts, XXXX XXXX XXXX XXXX , that I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my personal information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national breach and a Validation of Debt Letter.
Product: Credit card

On XX/XX/2023, my son and I arrived in XXXX XXXX, XXXX XXXX. We went to XXXX XXXX XXXX office and rented an automatic vehicle for our stay in XXXX XXXX since we were going to be visiting different cities throughout the country. 
I am a XXXX XXXX XXXX so there could not be a misunderstanding in regard to the final price for the car rental. I was initially told the total price was going to be {$300.00} and extra expenses if the car was damaged in any way. For which I returned the vehicle in perfect condition and was accepted the employees. Soon after coming back to the XXXX, I noticed I was being charged for a total amount of {$800.00} plus another transaction of {$150.00}. I disputed the transaction with Citi bank and they requested more information which I provided. After weeks of waiting for their response, they declined my claim. I called them to get more information from them and I was told there was nothing else I could do from their customer service. I decided to stop the claim and let it go. I was recently told by a friend of mine about CFPB and decided to file this claim to be treated fairly.
Product: Debt or credit management

Complaint Against XXXX XXXX  XXXX  for Lack of Service and Unethical Practices I am writing to file a formal complaint against XXXX XXXX XXXX  regarding their failure to deliver the credit repair services I paid for, unethical practices, and lack of communication. 

In early 2024, XX/XX/XXXX to be precise I signed up for XXXX XXXX XXXX credit repair service, which was to be paid in six installments of {$300.00}, totaling {$1800.00}. I have already paid {$1500.00} over five installments. Unfortunately, due to unforeseen financial circumstances, I missed the last payment of {$300.00}. Instead of working with me to resolve this issue, XXXX XXXX XXXX  took the following actions : 1. Lack of Service Delivery : Despite paying {$1500.00}, the services I was promised about a year ago have not been rendered. No meaningful progress has been communicated, nor have any results been delivered. 

2. Blocked Access to Customer Portal : XXXX XXXX  XXXX  removed my access to their online customer portal, preventing me from reviewing any updates or progress on my account. 

3. Unresponsiveness : The company has failed to answer my phone calls or any attempts Ive made to contact them, including writing the business owner personally on his instagram account for clarification or assistance which he promised but did not. 

4. Termination of Services : Without notice or explanation, when my cousin contacted the business owner on his XXXX  account, he confirmed that they terminated my service entirely, citing the missed {$300.00} payment as the reason, even though I had already paid 83 % of the total cost. 

I believe these actions are unethical and unacceptable. Not only have they failed to honor their contractual obligations, they have wasted my time and have also demonstrated a lack of professionalism and accountability. 


Thank you for your time and attention to this matter.
Product: Vehicle loan or lease

I paid off my lease, and I requested a payment receipt because I'm applying for a mortgage, but they refused. and the monthly payment doesn't have a balance either.
Product: Debt collection

I have a Judgment against me District Court XXXX County, Civil Action No : XXXX, amount of Judgment {$850.00} plus interest. From XXXX XXXX XXXX, represented by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX. 
My girlfriend got a letter from XXXX XXXX dated XXXX/XXXX/XXXX, notifying her that a hold has been placed on her safety deposit box at XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, Utah XXXX. The reason for this was because my name is on her safety deposit box, which has her family property in it, nothing in there is mine. I called XXXX. XXXX XXXX who is handling this for XXXX XXXX XXXX, the account in question has been closed for over a year, there is a XXXX XXXX debit card assigned to that account which has also been frozen, I explained to XXXX XXXX that all my money at that bank is Social Security monies, he told me that I had to send him the last 3 months checking account statements, that they would look at them and then decide if they would release the block. I myself have a safety deposit box there also which has been blocked from, they can have it as it only has XXXX XXXX XXXX dollars in it. I also explained that according to Section 207of the Social Security Act ( 42 U.S.C.407 ) states " The right of any person to any future payment under title shall not be transferable or assignable, at law or in equity, and none of the monies paid or payable or rights existing under this title shall be subject to execution, levy, attachment, garnishment, or orher legal process, or to the operation of any bankruptcy or insolvency law ''. Subsection 207a or 207b do not apply to this matter. 
He also refused to accept my award letter as proof from the Social Security Administration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a derogatory mark on my credit report from XXXX XXXX XXXX  for {$380.00}. This was on both Experian and XXXX. I contacted XXXX XXXX  XXXX  who was sent the credit account to collect and we settled for the above payment which would be resolved in full for less than full balance. This payment was made to XXXX on XX/XX/2020 and was taken out of my checking account on XX/XX/2020. I am in the process of obtaining a mortgate and this still shows on my Experian Report as being owed to XXXX 's. I called Experian and they said they can't do anything until XXXX 's send them notice it was paid. I called XXXX 's and they said it was sent to both Equifax and Experian. I checked my XXXX  report and the report shows that the account was paid and taken off their credit report. I am trying to buy a house and this is hindering me from moving forward. I asked to talk with a supervisor and every time I ask there is no XXXX available at the time and am told they will call me back, but they never do. The last conversation I had with Experian XXXX who I was talking to said that she would attach my documentation to my complaint and send it to XXXX. I told her no because I did not want to open another dispute because I would have to explain this to the bank and it will not look good. Shortly after that I checked my email and found that another dispute was opened for XXXX which I did not want. I immediately contacted Experian to have it removed and was told it would be. I have copies of both the original letter showing the account was paid and the new dispute that i never wanted. I had XXXX call on XX/XX/2020 from a supervisor named XXXX. I did not get that message until after XXXX p.m. He called me around XXXX XXXX that night. He left me a message stating he would call me in the morning ( XX/XX/2020 ) which he never did. Saved the message on my phone. during the day on XX/XX/2020 I talked with a XXXX, XXXX, XXXX, XXXX and all said they would have a supervisor call me which never happened. I called them at XXXX ; XXXX XXXX for a total of about 1 hour and 35 minutes and every time got disconnected. they have made my problem worse by their response. There was not one person who even made an attempt to help me and get a supervisor to talk with me.
Product: Checking or savings account

I have an account at Capital One bank. I deposited a check from a friend for building him website on XX/XX/2020 for {$1200.00}. Capital One froze my account without contacting me. I found out because my debit card was declined and I called. The check was apparently flagged for verification. I have no idea why. The check had since cleared completely and its been over two months and capital one refuses to unlock my account or give me access to ANY of my funds. The balance of my account is {$1300.00}. They've stated that they need to call the person who wrote the check. Well ... he moved to XXXX XXXX. I haven't been able to get a hold of him yet. It's been two months now, I have an eviction notice and I'm going crazy. I've never been treated so baldy.
Product: Credit reporting or other personal consumer reports

As Per the FCRA as a federally protected consumer. I am now opted out of any and all authorization. I the consumer may have giving you written unwritten verbal or non-Uverbal, per 15 USC 6802. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( XXXX ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. As Per the FCRA as a federally protected consumer. I am now opted out of any and all authorization. I the consumer may have giving you written unwritten verbal or non-verbal, per 25 USC6802, 15 usc 6803.
Product: Checking or savings account

I got an email from Chase about my monthly statement but I cant login. I received a letter saying my account would be closed so Im kinda confused. I didnt do anything for my account to be closed and I dont think its fair that other people can have a relationship with Chase Bank but XXXX cant.
Product: Checking or savings account

In XX/XX/2018 I lost my wallet which had my debit card inside, do to memory issues from a head injury I had my pin hidden in the wallet. I Advised USAA of this and the provided credits for the purchase made after card was lost. Then on XX/XX/XXXX they took back the credits. On XX/XX/XXXX I called USAA and I was told the case would be reopened and the money returned to my account. I have called over 6 times and was told that I would receive a call about this with in 1-2 days. Each time no one has ever called me. I am on SSI and every penny counts and now they have taken back over {$400.00} on things I did not buy. USAA refuses to do anything to correct this issue. USAA also claims that stores are required to ask for photo ID when a debit card is used if not then it is there fault.