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

I have been trying too close a savings account with Citi bank but have not been able too get them too. I have screen shots of them saying they have done this request but it was never completed. In XXXX I had a notice that a deposit was made in my account that I did not make! I called them and advised that I didnt do this or authorize anything. They advised me they sent the deposit back and froze my account with all of my funds in it stating they would send a check. I never received a letter stating this had happened or any correspondence. I am on social security XXXX my checks are put into my Citi account. I requested my account too be updated too a new account however the funds have been put into my frozen account at Citi. This is all the income I have and I have tried several times too get through too Citi I get hung up on and placed on hold then hung up on or told they will call back! I have no access online yet get statements I can access due to frozen status. How long can they hold deposits from the government for? How do I get them to release the funds and close that account? I have tried everything except for going to a physical location with would be several hours from my home. I no longer can live like this what harm this has caused, after looking this bank up online its just theft! The amount of complaints just about the same as mine is criminal and this must be taken seriously. Thank you for your response ahead of time
Product: Payday loan, title loan, or personal loan

on XX/XX/2021, I received a message from XXXX  that the company California Business Bureau, address XXXX XXXX XXXX XXXX, XXXX, CA XXXX, phone number ( XXXX ) XXXX, made an installment Loan Inquiry, hard inquiry. I didn't consent or allowed this company to make a request and I didn't request or summit any request for any type of loan. I believe this company is using my information illegally to obtain my personal information. I had spoken to this company about a collection account that I was not aware of. This company later made an installment loan inquiry. I am concern that the above company will continue to violate my privacy.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I made a transfer on PayPal to a seller I was buying a tv from the amount was XXXX   US Dollars. The seller is in the XXXX XXXX, we had been in contact for about a month about a tv, when we agreed on a price he said he only takes PayPal so I made an account on the same day before sending the money, He told me sending it as Friends and family is a faster, safer and costs less than a business transaction, being new to PayPal I had no idea that if I did not pick it as a business transaction I would have no buyer protection. After the money was sent he blocked me on all contact medias I could use to communicate with him. I asked PayPal if I could open a dispute or refund but they said the only thing they can do is contact the seller which I have gkt no feedback since then. I tried contacting my bank to revert it but they said the transaction has already occurred.
Product: Credit reporting or other personal consumer reports

I need you to attend the following show items in this letter which contains data taken directly from my credit report which you have provided. 

1. XXXX XX/XX/year> 2. XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a deletion request that was sent to each credit bureau from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since COVID I have been on credit card payment deferment. XXXX, Transunion and XXXX have all lowered my Score which is now making it difficult for me to aquire a new mortgage. There should be taken into account and not used to hurt the consumers. I am on time with everything and i dont just pay the minimum.
Product: Credit reporting or other personal consumer reports

Care credit was paid off XX/XX/2023. They are reporting me 30 days late for XXXX ( not late and paid off ) and XXXX with XXXX XXXX ( XXXX ) and XXXX ( XXXX ) I can not be late in XXXX as I paid it off before Due date and in XXXX there was a XXXX balance. XXXX statement came out on XX/XX/XXXX and was paid off XX/XX/XXXX, so can not be late for XXXX. I would like this rectified immediately with the credit bureau's.I keep trying to have them fix it but they just say they are correct ( which clearly they are not ) and refuse to correct their erroneous information ( which they are legally liable to do ) which is affecting my ability to get credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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
Product: Bank account or service

Fed up with XXXX XXXX charging excess overdraft fees I open up a checking account at tdbank. In one month tdbank charged me {$250.00} in overdraft fees and XXXX of them occurred when I was transferring money from XXXX account to another account over the XXXX XXXX weekend. TD Bank twice charged me overdraft fees on the same day I got a direct deposit I spoke to the bank about it and while they promised to refund XXXX of the overdraft fees they still have n't done it. I am really fed up by being ripped off by Bank XXXX XXXX XXXX XXXX and now TD Bank. I am guessing I 'm not the only person who 's really angry about the exceessive fees being charged. I did not receive a bail out for extravagant behavior. I understand about the practice of reordering withdrawals so that banks can charge excessive overdraft fees.
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. 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 furish a 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: Credit card or prepaid card

On XX/XX/2021 I applied for an Hilton Honors American Express credit card ( reference number XXXX ). I completed the application in its entirety, and I honestly answered each question, including the income disclosure question. 

The income disclosure question states that if the applicant is over the age of 21, he should include all income accessible to him. To be certain I included the right number, I contacted American Express New Accounts and asked a representative what this means. I was told it is money that is typically deposited into a joint bank account or spousal income if it is used to pay expenses. As such, I stated my income to be {$120000.00} per year. 

A week after completing the application, I received a letter from American Express stating that in order to complete the processing of my application, my income needed to be verified. To this end, I was asked to sign and return the enclosed IRS Form 4506-C. A day after receiving this letter, I submitted the signed form. In addition, I submitted bank statements to confirm that my husbands income and mine combine to equal the amount I stated on the application. 

When I contacted American Express to inquire on the status of my application, I was told it was denied because the income I stated on the application was not consistent with what was revealed on my IRS transcript. 

I am perplexed as to why my application would be denied simply because I followed American Expresss own directions when disclosing my income.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. I have expressed myself numerous times over the years especially the past year to have TRANSUNION accurately verify this alleged account. I have sent proof of my entity, and I've also expressed that I have the capacity to overstand my federally protected rights. They claim that the information is accurate and valid but have yet to see any proof. They have NEVER provided me PROOF of ANY documentation of my red wet-ink signature, that show I gave them written or verbal instructions to furbish information on my credit file. TRANSUNION has successfully humiliated me. As a consumer under my federally protected rights, I have NOT given any company or persons written instructions or verbal permission to list these alleged accounts. THAT IS A VIOLATION ACCORDING TO 15 U.S.C 1681b. I will not keep putting up with these violations and will be seeking litigation in a small claims court against your company, seeking {$1000.00} for EACH violation for EACH month for DEFAMATION, NEGLIGENT ENABLEMENT OF IDENTITY FRAUD, VIOLATIONS FOR THE FAIR CREDIT REPORTING ACT, FINANCIAL INJURY, PENALTY OF PERJURY ( 18 USC 1028 AGGRAVATED IDENTITY THEFT ), VIOLATIONS OF 15 USC 1692g, 15 USC 1692a ( ABUSIVE PRACTICES ), 15 USC 1681b ( PERMISSIBLE PURPOSES OF CONSUMER REPORTS ), 15 USC 1681 4A B2 ( MISLEADING FALSE REPORTING ), 15 USC 1666b ( TIMING OF PAYMENTS ). I hope this issue can be resolved PROMPTLY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX XXXX, XXXX credit report agencies reporting any public records must contain name, address, SSN or DOB in order to appear on credit file. All XXXX credit bureaus have failed to update information per new law. Bankruptcy on file does not meet law requirements and needs to be removed from consumers credit file.
Product: Credit reporting or other personal consumer reports

My wallet with all my information was stolen around XXXX of 2023. All my important information was taken and used without my knowledge. My Discover credit card and my XXXX XXXX XXXX XXXX credit was what took a hit. Both were disputed, however, the impact on my credit profile was not handled on both. 

Moreover, the disputes with XXXX is now resolved, but Discover still has an open account where my utilization is over 100 % due to the fraudulent charge on my Discover account. I got a police report and met all requirements that were asked of me, but the fraudulent charge is still on my Discover account. My credit score plus my credit profile is taking a beating because of this issue. I hope this can be resolved as soon as possible because I take my credit profile very seriously and utilize my credit for business purposes. 
Thank You!
Product: Student loan

I currently have two student loans with Sallie Mae i graduated in XX/XX/19. I am working with XXXX XXXX to help me fix my credit. In XXXX my credit scored was XXXX. I am first generation American single mother of two. I went to college to end my cycle of poverty. I fell behind on my student loan payments. i was effected by the pandemic and other life factors. I called sallie mae and informed them that I sent a notice from XXXX XXXX informing them about my financial hardship. I am trying to purchase a cheap condo to no longer pay rent and obtain an asset for my children and myself. Sallie Mae sent negative reports to the credit bureau and my score dropped over 100 point back to poor. when i called to follow up on the notice i sent, i was told they did not receive it. Why is sallie mae reporting late payments to the credit bureau when the country in the middle of a financial crisis?. I plan on paying my student loans. i will be getting evicted from my apartment soon. I need my credit score to move. Now i will have to go into a shelter until my credit improves. They should not be reporting late payments to the credit bureaus during these times. listen i am not here to get pity or sympathy, my story is my story. My ex boyfriend hit me and stole rent money from me and i also lost my job. I have worked and studied hard and sacrificed alot to empower myself, and sallie mae just crushed a goal/dream of mine. this is emotionally distressing and extremely reckless and unreasonable on sallie mae 's behalf. please help me rectify this. i know i am not alone
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from the XXXX Dealership located at XXXX XXXX XXXX, XXXX, MD XXXX. I authorized only this company to hard inquire about my credit report once. Without my consent, 700 CREDIT inquired about my credit report twice on the same day. I did not approve for two separate inquiries.
Product: Credit card or prepaid card

After filling the application online and being denied credit, I called American Express customer service on two different occasions to get a manual reconsideradion from American Express, and both time I was told no, which now lead me to believe that I was XXXX  against because I did my credit application in good faith and credit was not issued. Attached is the denial letter from American Express and another document. Furthermore, American Express claims that the reason I was denied credit it's because I have too many new bank card cards, pursuant to federal law based on the response I received from American Express, that is not a reason for me to be denied credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Checking or savings account

The XXXX Bank  has canceled my previous checking account for no reason and without notifying me in advance, and they also have frozen my deposited money for half a year without returning it to me. 

I filed a complaint ( COMPLAINT ID XXXX ) on XX/XX/XXXX, and the bank is under pressure from the complaint, on XX/XX/XXXX, the bank asked me to go to their branch ( located at XXXX XXXX XXXX. XXXX XXXX NY XXXX XXXX to resolve the case. 

I went to the branch on time upon the appointment. first, the branch representative ( name : XXXX XXXX XXXX asked me to show my ID for verification and signed all the documents they required. During the process, another representative ( name : XXXX XXXX XXXX stepped in and stopped the process, Put me on hold for 2 hours for nothing, and then finally came over to claim that I did not have Notary, did not meet their requirements, and refused to refund the previous balance amount of my checking account. 

Obviously, they turned the simple things became more complicated and they just wasted my whole afternoon time failing to solve my problem, until now the bank still owes me about {$3000.00} in deposits. 

Additionally, My Checking account info with the XXXX  Bank : Account Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Checking Account Routing number : XXXX Checking Account Number : XXXX
Product: Money transfer, virtual currency, or money service

On Thursday XX/XX/XXXX I was scam by a tutor. How I met this person was through XXXX. He claims to be a tutor and offer up services including help with essays, assignment, tests etc. I contact these individual by the name XXXX. I contact about needing help to pass a test. He first charged me XXXX, but I later told him no and I give him XXXX. I trust him because He even post me his testimony and reviews he got for working with other students. After I pay He did assistance me on the but didnt follow up truthfully of the agreement. on the day of the test there was issue and I couldnt take the time in that hour. I contact him about this issue and that I need to reschedule my exam and he told me that it will be a XXXX reschedule fee to give him. I did a I scheduled that test for a different time that say. Still it was given me issues and I had to canceled the test again.The programmer was having issue with me taking the test online and wanted me to take it at a test center. I contact him about refund my money and he said no. The services were no refundable and that I was scared. Its funny to me that he said this because previous he told me that he will return me if I didnt get a A or B. The money that I transfer was through Zelle  with XXXX. I contact XXXX  to see if they can reversed the transaction and they said no because they have no recovery rights to do so. I contact Zelle and they said that there nothing that they could do even though I file a dispute to XXXX  about the transaction and XXXX  telling me the Zelle decline my dispute. I want my money back. I was scared heavily and Zelle isnt doing nothing about it.
Product: Debt collection

I have never done business with this company and do not owe {$760.00}
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. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, 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 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 informationisinaccurate. 
Please remove these Inquiries from my credit report. 
These inquiriesarelisted : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Debt collection

this company keeps calling my home number asking for me. then ask for my personal information which i will not give out. they claim i owe a debt and i do not owe anyone or company anything. then they hang up in the middle of me talking which is very rude but yet continue to call my home when i have asked them to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found a collections account and multiple inquiries that do not belong to me. I have reached out to the companies involved and am not getting any sort of response. I've had enough patience waiting for them to fix the problem.
Product: Mortgage

Citizens Bank continues to place road blocks to our ability to make payments on our home loan, and then refuses to provide customer service to their customers. I went to make a payment and the login page is different, bank website is different, and my username and password is unrecognized. Is this really my bank? I attempted to contact their customer service and still unsuccessful. I have only 1 week until my payment is due. If I can't make a payment and I can't communicate with the company I am unclear how we do business.

In 2 years and multiple complaints I have had yet to successfully contact even one live person who works for Citizens Bank. I have never gotten through to customer service about my home loans and have never been able to connect with anyone at executive or corporate offices at Citizens One despite all the federal and XXXX  complaints. Lucky for me Citizens One leaves me sitting on hold for hours and hours which gives me some much needed down time to be able to file all these complaints and find other solutions to my problems and questions since Citizens One sucks so bad and refuses to provide support on my home loan. 

Also- Citizens One automated phone system is quite confusing. The recording begins by saying this is an effort to collect a debt. Then the recording goes on to say this is not a debt collection effort if you are in a court case or foreclosure. I am very confused as to what point this stops being an attempt to collect a debt since Citizens One gives conflicting information to their customers. Is it no longer an attempt to collect a debt once I stop paying? At what point does an attempt to collect a debt stop being an attempt to collect a debt? I am so confused and unfortunately I am unable to reach anyone at Citizens One in two years to ask my questions or provide me with any support whatsoever on my home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to XXXX XXXX XXXX several accounts dated past seven years still remain on my credit reports. This matter is creating stress in my life and preventing employment. I have disputed the accounts and requested for removal but the credit agencies have not removed the old and closed accounts. In addition to that the creditor have submitted false information ( open dates ) on my 3 credit reports.
Product: Credit card or prepaid card

I went to CapitalOne 's web site to pay my credit card bill for the month before it was due. After logging on, I received an error that said 'We 're sorry, we hit a snag Looks like something went wrong, but we're working on it. Give it another try it a bit '. I went back a few day later and paid the bill. I was then assessed a 'late payment fee '. I complained about the fee after I had paid it. I told CapitalOne about the web site error and the refunded the late fee. I told them to remove the late payment from my payment history. They keep saying they refunded the late payment fee because of the server problem. I have demanded that they remove any record of a late payment in XX/XX/2018 and they say they can't do it. I want it removed immediately.
Product: Money transfer, virtual currency, or money service

I am filing a complaint. Against Cash App block incorporation. Due to inaccurate customer service. And unfair practice. Which violate the customer Financial protection act pacifically cash app fail to. Time and effective measures to provide an address fraud on there platform leave in my account vulnerable and unprotected
Product: Checking or savings account

Huntington reported to credit that my account was closed and they removed my access to that account and today I received a letter stating my account was 54 days past due dated for XX/XX/23 today being the XXXX would make 57 days. They are supposed to close within 60 days of account being overdrawn and did so close it early and also removed all of my savings from my account to apply toward that account