23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Lendmark Financial XX/XX/XXXX in the amount of {$1700.00}, XX/XX/XXXX {$1200.00} and XX/XX/XXXX {$0.00}. Accounts are charged off and closed on my account and tried to dispute why 3 different accounts that I'm not aware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX trying to collect a debt for {$440.00} reported XX/XX/2021. 

Account was fraudulently on XX/XX/XXXX using unrecognized email address. 

I attempted to call XXXX XXXX  and they require a report to move forward already filed and spited error with the credit bureaus.
Product: Credit card

XX/XX/XXXX, I did a wire transfer in the amount of XXXX XXXX to my American Express platinum card to further my my credit spending power to purchase a car that I ordered. Also to secure my reward points of XXXX. However, the car dealership would not accept the card payment in that amount due to the fees they would incur. On XX/XX/XXXX I requested a refund via wire transfer to my account, as I have not been able to secure the down payment for the vehicle until I am refunded. Amex originally told me that due to the amount of the refund, it would take 2-3 days for the transaction. I called 2days later to check the status and was told the wire transfer would take 10 days from the XXXX XXXX XXXX. I then called another 3 days later and was told it would be 12 days from the day of this call. 
I requested for written policy on why the funds were being withheld. To no avail. Today is XX/XX/XXXX, called Amex to check status of refund and was told that it would be wired 10 days from today. I asked to speak to a Supervisor, who then told me, the transfer would be initiated XXXX XXXX XXXX XXXX XXXX XXXX and would deposit into my account XXXX XXXX 
I have been completely taken advantage of. I was able to speak to someone in the back office to get the wire trans for done. It took 2mins for the transfer to hit Amexs acct and for them to credit my account within 20 mins. 
I call to have my transfer escalated and no such back office is available to a customer.
Product: Debt collection

Received an automated phone call at XXXX EST today. The message referenced a " recent transaction involving your bank account '' and then a case number was provided. After researching the number online, I found that it was yet another scammer ; they seem to love me. I 'm thinking they might be trying to collect on the same debt as the company in my previous complaint were.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've contacted Equifax, XXXX, XXXX, & Creditors listed below regarding credit inquiries on my credit report that I do not approve. However, I 've contacted Equifax, XXXX, XXXX & All Creditors onXX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX via mail, fax, certified mail, & phone. I also mailed out certified letters to all companies.No actions were taken. 

HARD INQUIRIES DATES XXXX XXXXlXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX Off Lease Only XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile. You have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

I see that the accounts have a collection charge off status and yet there is a past due balance on this report, do you know that this is a violation? I urge your agency to re-investigate these accounts and ensure that correct, fair and complete reporting is given. I dont believe the status of these accounts are accurate either. Delete this due to multiple violations.

I demand that the following accounts be verified or removed immediately : XXXX XXXX Charge-Off account XXXX XXXX  XXXX Charge-Off account
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Addresses : 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 XXXXXXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XXXX XXXX XXXX  XX/XX/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 XXXXXXXX Employer : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX Addresses : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Employer : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit reports contains a late payment reported on XX/XX/2020 for my XXXX account. I want to dispute this as inaccurate.
Product: Credit reporting or other personal consumer reports

I declare that the information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Balance : {$9700.00} : Date Opened : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX  XXXX : # XXXX : Balance : {$730.00} : Date Opened : XXXX XXXX, XXXX It is unacceptable, and a violation of federal consumer protection laws, that I continue to face harassment and fictitious debts due to the unauthorized account and unauthorized inquiries. Your agency failure to delete these fraudulent entries will be direct violation of my rights under FCRA Section 605B ( 15 USC 1681c-2 ) ( a ). The FCRA requires immediate removal of fraudulent information from credit reports following a valid identity theft report, which I have provided. Such inaction is further aggravating the distress caused by this identity theft. There has been no legal proof of the marks has been provided or proven. I have reported the theft of my identity to the Federal Trade Commission ( FTC ) and have enclosed copies of the supporting documents, including the FTC Identity Theft Affidavit & Other documents This unauthorized reporting has negatively impacted my credit standing. I respectfully request that the FTC, FDIC, & CFPB investigate this matter and take appropriate action to ensure that the erroneous and derogatory information is removed from my credit report. I am also pursuing complaints at federal levels to address these violations.
Product: Credit card or prepaid card

The fact that I always make timely payments on this account is causing me a great deal of XXXX.
Product: Credit card or prepaid card

I signed up american express delta skymiles card late in XX/XX/XXXX, which offers sign-in bonus for XXXX miles after meeting {$1000.00} in spending. I met the spending amount in XX/XX/XXXX. I did n't see the bonus being posted. Called customer service 4 times since, each time I was given a different excuse on why it is not posted on my account. Last two conversations, I was told that they have technical issues and no idea on when the miles can be posted. I am going no where with the company and no idea when this can be resolved or the whole thing is just a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account 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 furnish a account without my written instructions.
Product: Credit card or prepaid card

I am a northeast resident and three ( 3 ) fraudulent charges were made from California on my XXXX XXXX card in a two-day period. The charges were made on XX/XX/XXXX and XX/XX/XXXX of 2019. The values were {$55.00} with XXXX in California, {$40.00} with XXXX in California, and {$450.00} with XXXX in California. I reported the issue to Citi three days after I noticed the charge on my statement, and twice a week since the initial call. They have refused to remove the fraudulent charges from my account and have held me liable for the charges in my revolving credit. I've even paid the charges to avoid accruing interest and damaging my personal credit. I have never seen a credit card company do this before. Holding the customer liable for fraudulent charges is highly unethical ( maybe even illegal ).
Product: Credit card

I reported to the XXXX XXXX XXXX XXXX Department an account that was opened fraudulently without my knowledge or consent and received report number XXXX. I then contacted Bank of America on XX/XX/year> about this action gave them the police report number and requested that they investigate and remove this item from my credit report. I was told at that time that it would be investigated and if found correct the account would be removed within thirty ( 30 ) days. On XX/XX/year> I contacted B of A to inquire about the status of the investigation and after being hung up on three ( 3 ) times and transferred over ten ( 10 ) times I was finally told at that time it would take an additional 60 to 90 days. I have been disputing this item for over a year and B of A refuses to delete this fraudulent account from my credit file stating that it is valid without ever showing proof that the account is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, 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 furnish a account without my written instructions
Product: Credit reporting, credit repair services, 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 : Account Number : 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 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: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME. THE CREDIT BUREAU DISMISSED MY COMPLAINT AND INSTRUCTED ME TO CONTACT THE COMPANIES. I CONTACTED THE COMPANIES AND ASKED THEM TO REMOVE THEM. I WAS TOLD THAT THE CREDIT BUREAU NEEDED TO REMOVE THEM. 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX - XXXX
Product: Mortgage

My loan was sold several times after the purchase of my home and was with XXXX XXXX XXXX XXXX, XXXX ) before supposedly being transferred to Freedom Mortgage XXXX freedommortgage.com, XXXX ). I make all my payments via the Freedom Mortgage website and when I needed to contact the company in regards to the servicing of my loan I was unable to enter my phone number or loan number into the automated system without being told it was n't valid. 

Once speaking to a rep with the company I was told that my loan is not with them or in their system because it 's with XXXX XXXX XXXX a sub-servicer of Freedom Mortgage XXXX. They gave me the phone number for XXXX XXXX and said to contact them. I contacted XXXX XXXX and can not even get through to a representative because neither my social or my loan number is being recognized with the automated system. The system says to call back when I have a valid loan number or social and hangs up. 

Why would XXXX XXXX tell me my loan was with Freedom Mortgage and how am I making my payments on Freedom Mortgage 's website if neither company is able to recognize my information for me to discuss my loan with anyone?
Product: Debt collection

I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX hasn't allowed me to get my Experian credit report online since 2015 -- that's FOUR YEARS that I've had to get my reports by XXXX mail for no reason other than their own sheer incompetence. The big three companies ( including Experian ) are required by law to maintain XXXX as a functional site. Currently it's a broken pile of garbage that pretends to work but never does. Experian needs to be fined for letting their site be broken for FOUR YEARS. I didn't even get to the ID verification questions this time -- I just entered my name, address, SSN, selected Experian, and then got the error message. What an obvious farce!
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX I was going over a copy of my credit report and noticed that I had some unauthorized Hard inquiries that were supposed to removed in XXXX of XXXX. I immediately contacted both credit bureaus Transunion and XXXX. To make a long story short they did nothing to remove these inquiries. Can you please check into this for me Pleases and Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed certified letters in XXXX and in XXXX of 2023 to all XXXX credit bureaus to update or remove inaccurate information off my credit report. The creditors just verified the accounts. Law requires that they report accurate information on my credit report. The information is not accurate at all. They are reporting different information on different credit bureaus, and not updating or deleting the inaccurate information. It is so frustrating how they can just say the account is verified and not fix the errors all on my credit report. I feel like the credit bureaus are teamed with the creditors on my account and just hoping that I will go away and forget about the errors. I was told that I can come to you ( CFPB ) to get the credit bureaus to do what is right in this situation.
Product: Checking or savings account

I requested a wire transfer of {$240000.00} from my online saving account ending XXXX in Marcus by Goldman Sachs to my XXXX XXXX checking account in the morning of XX/XX/2023. Their web site says the wire transfer should be processed in the same business day if the request is initiated before XXXX that day. Because I did a wire transfer from the same saving account in Marcus by Goldman Sachs to the same XXXX XXXX checking account on XX/XX/XXXX and the transfer was processed on XX/XX/XXXX, I am expecting this wire transfer should be processed on the same day because the money is wire transferred to the exact same bank and account. But my wire transfer was not processed on XX/XX/XXXX. So, I contacted Marcus in the evening of XX/XX/XXXX and the agent has no idea and submitted an expedited request for me. In the morning of XX/XX/XXXX, a customer representative from Marcus called me and said they need verification of my ownership in another bank to process the transfer and another bank customer service representative is in the conference call already. I answered all the questions from another bank customer service representative in the conference call and they verified my ownership successfully. Then I ask the Marcus representative when my wire transfer will be processed since you already verified, and I need this wire transfer be processed asap. Then she asked me why you are moving this money to XXXX XXXX. This really made me feel not comfortable, but I still told her because XXXX XXXX has better rate and promotion to open an account and that is why I need this wire transfer to be processed asap so that I can meet the promotion deadline. Then she told me she can not tell when, the wire transfer will be approved by another group. 
Again, my wire transfer was still not processed by the end of XX/XX/XXXX. So, this morning on XX/XX/XXXX, I contacted Marcus again and the representative told me it is still in process, and they don't know when. 
This is ridicules. I chose wire transfer because I think this is the fastest way to transfer money from XXXX bank to another bank. I followed their procedures to initiate the wire transfer and verify my ownership in another bank account, but Marcus seems trying to hold my money and doesn't want to lose my deposit to another bank with no reason. The domestic wire transfer should be completed within 1-3 business days and normally within 24 hours. I already did a wire transfer before from the same account in Marcus By Goldman Sachs to the same account in XXXX XXXX and I even verify my ownership of another bank account with them again and told them to contact me if anything is needed and I just need this wire transfer be processed asap. But still my wire transfer is not processed.
Product: Mortgage

We received notice that a Sheriff sale of our home was scheduled for XX/XX/2022 at XXXX, Eastern time by the collection firm of XXXX XXXX and XXXX XXXX XXXX. Attorneys at Law, XXXX XXXX XXXX XXXX, Suite XXXX, XXXX, Illinois XXXX. 
We immediately contacted the representative Bank of America, for the Master Servicer, XXXX XXXX, XXXX, XXXX XXXX, Bank of America XXXX and advised him my wife and I have a deed to the property at XXXX XXXX XXXX XXXX XXXX XXXX, Indiana XXXX, and signed authorizations from borrower XXXX XXXX XXXX ( See attached ) After we provided those prior signed authorizations to him, he stated they were sufficient for the prior master servicer XXXX XXXX XXXX XXXXk XXXX ( these two firms XXXX XXXX XXXX XXXX  XXXX XXXX have lied to courts of law they ever received these authorizations so as not to have to prevent us with a payoff letter ) but in order to discuss stopping the Sheriff sale and to allow him to send us a payoff so we could purchase the property as allowed by Indiana law before the Sheriff sale, Indiana Code Section 32-29-7-77 we had to provide him signed third party authorizations in their name. After he was provided same on XX/XX/2022, he left a voice mail Thursday XX/XX/2022, acknowledging he received it and saying he could now speak with us and he would respond in writing to our request for a payoff letter, cancellation of the Sheriff sale and giving us 90 days to obtain a VA mortgage ( I am VA certified as a veteran. See attached ). In violation of 15 U.S.Code Section 1630g, 15 U.S.C. Section 1611, FDCPA ( 15 U.S.C. 1692c ( b ) XXXX XXXX, XXXX, XXXX XXXX, Bank of America XXXX has not responded to our calls, nor has the collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

With the Equifax data breach, my wife and I spent hours trying to 1 ) get our credit reports from XXXX, Equifax and XXXX, and 2 ) trying to freeze our accounts. I have finally received my credit reports from XXXX and XXXX on line but Equifax is requiring me to send them a letter with all kinds of documentation. I do not have time for this XXXX. My wife had to call XXXX to get a freeze on her credit and spent an hour on hold. Once connected the representative she could not understand the person due to a heavy accent. Why are these agencies permitted to hire non-American to deal with our sensitive information? How do we know they are n't selling it? I have disputed several mistakes on my credit reports ( wrong addresses ) without resolution. I have a very good credit score - I have never missed a payment or defaulted on a loan so my score should be perfect yet it is n't because I " do n't have the right kind of loans and I do n't keep a balance on my credit cards. '' What? I am a superb credit risk yet they judge me because I do n't take risks. Finally when we put freezes on our accounts we had to pay a {$6.00} fee to Transunion and XXXX for a total of {$24.00}. Equifax should be paying this not us as they made the XXXX up. This entire process needs to be shut down.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent : address fraud on their platform, leaving m, account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cosigned for my Son on a loan. He got into financial trouble. He was embarrassed and did not tell me.

I did not receive one letter or notice from the creditor. I would have made the payment to avoid the delinquency. My credit is ruined. I am trying to buy a home and my score has dropped over 150 points.