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

I initiated international wire transfer from my Citibank account on XX/XX/2021. I transferred XXXX $ to beneficiary account. Beneficiary has account with XXXX  XXXX XXXX located in XXXX. 
Since money wasnt received by beneficiary, I called Citibank to get the update. They asked me to provide few more details ( IFSC Code of beneficiary bank and purpose of transfer ) and amended the wire transfer. Citibank provided XX/XX/2021 as available date for transfer. 

I contacted beneficiary after XXXX XX/XX/2021 to check the transfer status. The beneficiary hadnt received amount. 

Citibank suggested me to check with beneficiary bank. I asked beneficiary to contact his bank. Beneficiary banks manager informed that they havent received any amount for his account while Citibank said that they have already sent an amount to beneficiary bank. 

Since then, I have reached out to Citibank multiple times to get the status on transfer. I also requested to initiate trace request for the transfer but they dont provide me any meaningful update. Every time I call, they assure me that they are escalating this case with Citibank back office and will call me back with update. I receive no call or message from them and this cycle repeats. 

Last time I called, they mentioned that theyre unable to get any response from Citibank XXXX ( intermediary bank ) and dont know if fund is with Citibank XXXX ( intermediary bank ) or XXXXXXXX XXXX XXXXXXXX ( beneficiary bank ). While earlier they clearly told me that fund has been made available to XXXX  XXXX XXXX ( beneficiary bank ). 

Ive called multiple times Citibank to know the status. Ive also asked them if they need any extra information from me or beneficiary person. It has been more than 2 months since I initiated the transfer. But I havent received any solution yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX XXXX {$3800.00} XXXX XXXX  XXXX {$53000.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$40000.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$780.00} XXXX  XXXX XXXX {$430.00} XXXX XXXX  XXXX {$150000.00} XXXX  XXXX XXXX {$150000.00} XXXX XXXX XXXX  XXXX {$1400.00XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my mortgage in XX/XX/2020 with PRMG. We set up auto-pay with our bank XXXX XXXX. We had 5 months of successful payments. Our XX/XX/2020 payment was issued promptly by XXXX but was not processed by PRMG. The money left our account & was returned after the XX/XX/2020 payment had been issued. When the XXXX payment was returned to our account we contacted PRMG, discovered that there zip code was incorrect ( fixed that issue ) & immediately direct re-sent them the payment & made our account current. PRMG ( or their loan servicer XXXX XXXX reported to the credit bureaus that we had a 30 day late payment. My XXXX credit score took a 120 point hit. 
I have spent hours with them on the phone & sent dozens of e-mails to both XXXX & PRMG trying to get resolution. I have promptly provided both companies every piece of documentation they requested from XXXX XXXX clearly showing the payments leaving the bank on time. 
At this point in time, despite promises & advocacy from PRMG my credit remains damaged. They claim that XXXX is the obstacle in repairing my credit. My problem with this situation is that PRMG/XXXX  happily processed our payments in several past months prior to XX/XX/2020 & never alerted us to any problems with our auto-pay. We in good faith engaged PRMG & set-up a payment program. Even after concrete documentation provided to the lender showing this to be true, their position has not changed. 
All I want is my credit fixed
Product: Credit card or prepaid card

In XX/XX/XXXX, American Express extended an offer to switch to a card with {$95.00} annual fee and as inducement they offered {$150.00} when I spend {$1000.00}. As further inducement to spend more they offered 0 % APR for 12 months. I made the switch, spent required amount and on XX/XX/XXXX received the {$150.00} bonus. 

In XX/XX/XXXX, without notice and explanation, American Express lowered my credit limit from {$16000.00} to {$7100.00}, depriving me of the possibility enjoying roughly 5 months of no interest on {$8900.00} in spending, which at their current APR of 12.99 % is worth about {$480.00}. 

I called and asked them to reinstate my credit limit and when they said that they can not, I acted in accordance with their good faith belief that I can not pay and switched back to a card with no annual fee. 

Now, they are claiming that I engaged in " abuse, misuse or gaming '' and on XX/XX/XXXX, charged back the {$150.00} bonus. See the specific terms of the offer that PLAINLY REQUIRE that I engaged in one of the above to claw back the bonus. 

If American Express believes that I can pay extra fees then they acted in bad faith in lowering my credit limit. Alternatively, if they acted in good faith, then they can not consider my actions, which are consistent with their actions " abuse, misuse or gaming ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX 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

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND XXXXM HIGHLY PISSED ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO 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, id passport, driver 's license, and insurance card. 
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. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF 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! 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!! 
DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!! 

XXXX XXXX XXXX XXXX XXXX/Equifax/XXXX XXXXXXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX/Equifax/XXXX  Inquiries : XXXXXXXX XXXX XXXX XX/XX/2022 Equifax XXXX XXXXXXXX Bank Credit Cards XX/XX/2022 XXXX XXXX XXXXXXXXXXXX BANK Bank Credit Cards XX/XX/2022 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX
Product: Credit card

Capital One has no complains system. The only way os over the phone and there is no record of this.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my credit was ran without my permission. I had been lied to and deceived by XXXX XXXX XXXX XXXX XXXX, who had already previously ran my credit on XX/XX/XXXX. There was no need or permission given to Nissan to run my credit check a second time. As a result of Nissan 's violated action against me, my account received multiple hard credit inquiries from various auto lenders, which stay on your credit for 2 years, not to mention a reduction in credit score. I have attempted to contact Nissan, lenders, and credit bureaus, but I have only gotten the runarounds between these entities, with no resolution in sight. I was even told to file a police report from one credit bureau against these lenders if they were not willing to cooperate with me and help me remove unauthorized inquiries from my credit. I have not filed a report and hope that my complaint here will be resolved successfully, without any need to file a police report against these lenders- especially since Nissan was the one in charge and at fault in allowing this to happen. What's so disheartening is that after I was lied to by a Nissan rep and he ran my credit against my knowledge and permission, I was told by his boss that he would help me resolve the duplicate and erroneous hard inquiries made into my credit report ; but he flat out lied as well, and that left me with little to no option unfortunately.
Product: Debt collection

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX RADIUS GLOBAL SOLUTION XXXX RADIUS GLOBAL SOLUTION XXXX RADIUS GLOBAL SOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious RADIUS GLOBAL SOLUTION XXXX RADIUS GLOBAL SOLUTION XXXX RADIUS GLOBAL SOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting act. The list of accounts below has Violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Account # XXXXXXXX XXXX XXXX A acct # XXXX, XXXX XXXXXXXX ACCOUNT # XXXX, XXXX XXXX 
Account # XXXX, XXXX ACCOUNT # XXXX Has Violated my rights. 15 USC 1681 section 602 A. States i have the right to privacy. 15 USC 1681 section 602 A section 2 : it also states a consumer reporting agency CAN NOT furnish a account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

In XXXX XXXX Specialized Loan Services ( SLS ) assumed servicing of my mortgage Loan XXXX. Such time, SLS has misappropriated funds, charges misc. fees never explained, raised payments without justification, payments have not been posted to my account properly, I 've been reported to the credit bureaus for late payment when not late and most recent, they have increased my principal balance. For almost 4 years I have filed complaints like this, I 've spent over {$200.00} in certified mail communications to SLS and every week a new issue arises. This week, per a recent CPFB complaint filed, I received an accounting ledger from SLS from XXXX XXXX to present of their payment history which differs greatly from mine. XXXX documents are attached to this complaint along with a screen shot of my account on SLS 's site showing increase of principal. I provided their account ledger to my accountant who notified me that she can not make heads or tells of their accounting. She stated that it is so convoluted and there is no pattern to the way they apply and note funds. In addition, they never recorded my XXXX XXXX payment which was paid to SLS by Check # XXXX and cashed by SLS on XXXX/XXXX/XXXX. 
If someone from SLS does not contact me to review my account in full, line item by line item, within 30 days of the submission of this complaint, I will retain legal representation and SLS will reimburse for all costs involved in reclaiming my lost funds and correcting my account status.
Product: Mortgage

In XX/XX/XXXX I recieved a XXXX for XXXX XXXX XXXX XXXX. As if XX/XX/XXXX, I discovered that the company no longer operates in the United States. The website provided this number XXXX, and instructed me to contact the address below. 

Another link provided this address : HSBC Attn : XXXX Customer Resolution Department XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Illinois XXXX The number states to notify in writing the request for release of lien. Unless you are a lawyer the information needed is confusing especially when all you have is the XXXX.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I contacted Chime at the following number : XXXX to report that my Chime debit cards had been used by someone else at XXXX in Illinois and needed to get that taken care of and issue new cards. The call was dropped, and someone called me back from XXXX stating that he was a representative from Chime and that he would help me to resolve my issue and cancel my debit and checking cards, as they had both been compromised. He got me to download an app to share my screen and he took my {$2.00} without my authorization. I called him back at the number and he told me that I had been scammed and to call my bank. I need the money to be refunded as it is my rent money which is due before the XXXX of XXXX. I have uploaded the screenshots of the text they sent me and the page I was directed to give access to my screen. I have filed four disputes with Chime, called them continuously, and asked for them to refund my money since I did not authorize it, but they keep denying them and giving me the run around telling me that I have to keep submitting more documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX  XXXX account number *** XXXX has violated my rights. 
XXXX XXXXXXXX XXXX XXXX account number XXXX has violated my rights. 
XXXX XXXX XXXX account number XXXX has violated my rights. 
Us Department of Education account number XXXX has violated my rights. 
Us Department of Education account number XXXX has violated my rights. 
Department of Education account number XXXX has violated my rights. 
XXXXXXXX XXXX XXXX account number XXXX has violated my rights. 
XXXX XXXX account number XXXX has violated my rights. 
XXXX XXXX account number XXXX has violated my rights. 
XXXXXXXX XXXX XXXX account number XXXX has violated my rights. 
XXXXXXXX XXXX account number XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX  account number XXXX has violated my rights. 
XXXX XXXX XXXX account number XXXX has violated my rights. 

15 USC 1681 Section 602A. States I have the right to privacy 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 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.

15 U.S. Code 1681s2 ( E ) ( i ) ( I ) ( II ) States I have the right to ask that a financial institution remove a default from my consumer report if the financial institution offers a rehabilitation program which requires me to make consecutive payments in a renewed and willingness ability to pay. Notwithstanding any other provision of this section, a consumer may request a financial institution to remove from a consumer report a reported default regarding a private education loan, and such information shall not be considered inaccurate, if the financial institution chooses to offer a loan rehabilitation program which includes, without limitation, a requirement of the consumer to make consecutive on-time monthly payments in a number that demonstrates, in the assessment of the financial institution offering the loan rehabilitation program, a renewed ability and willingness to repay the loan ; and the requirements of the loan rehabilitation program described in subclause ( I ) are successfully met.
Product: Payday loan, title loan, or personal loan

The account is paid off and closed but it is reporting as open
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions