23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had " XXXX XXXX XXXX  XXXX '' run inquires on credit reports without my consent. I asked them to please stop. They are constantly pulling my credit report. 

My name is XXXX XXXX, I'm not sure why its showing XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX continues to attack my credit rating even though it is past the statute of limitations in XXXX.
Product: Credit card

On XX/XX/ XXXX XXXX  I sent a payment in to my BJs Mastercard. At the time it was serviced by XXXX. Now by Capitol one. I sent capitol one all information twice in the mail as the fax number they gave me never answers. They keep telling me my information is not sufficient and I need to contact XXXX. XXXX said they sent all files to Capital One. I sent Capital one a copy of my bill pay app page showing the payment, A copy of a portion of my bank statement showing it was paid as well as A Mastercard RPPS sheet that mastercard and my bank showing me it was paid. Capital One again charged me the {$500.00} dollars and told me I have not submitted enough information. There is no more information to submit. The Mastercard RPPS sheet has every transaction number and routing number, time and destination etc for the transaction that is possible. It is the absolute definitive evidence that can be had, yet they are still trying to steal my {$500.00}
Product: Credit card or prepaid card

Over the last several moths I have had three disputes on Amazon refunds on returns for my Amazon Store Credit Card with Synchrony Bank. I returned three items with confirmation from  Amazon  and my refund was taken out of from my card leaving a deficit. Synchrony Bank said they were working on the problem so I paid off the card. After months of Synchrony Bank sending me forms requesting information I already sent to them they closed my account. I sent the the information they requested on three separate occasions as they requested. Synchrony Bank would close the disputes each time without consultation to the consumer.
Product: Credit reporting or other personal consumer reports

I became a victim of identity theft, my personal information was stolen and in results I've got seven fraudulent inquiries on my credit report which belong not to me and which I have never authorized before. Also I have never submit them all, so all these inquiries are fraudulent : 1 JPMCB CARD Bank 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: Bank account or service

SunTrust has continually been charging me bogus overdraft fees and they also charged me {$51.00} in account maintenance fees. I 'm tired of it. Occasionally I have to transfer money from my savings account to my checking account as my paycheck fluctuates. Despite the fact my account balance never goes negative, they now charge {$12.00} for the privilege of me transferring my own money. They have also recently revised their rules so that even if the money is in the account before close of business, they will still be able to charge the {$12.00} overdraft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was talked into a card I didn't need.It had perks such as a hat, tote bag and a discount.Cabela 's Club card issued by World foremost bank.Made a {$52.00} XX/XX/XXXX and did not receive a bill for quite a while.First bill arrived with a {$27.00} late fee.I attempted to pay the card but mu account information was not recognized.On XX/XX/18 I called and talked at length with a rep and tried to pay the balance and get the late fee expunged.XX/XX/18 a confirmation number of XXXX was assigned.Next bill came with additional {$38.00} late fee.At this point I couldn't believe this was happening and emailed them concerning the oversight, ( Picture of email attached ). Now the charge is {$53.00}, {$80.00} and $ XXXX.I am a senior citizen who has strived to maintain an excellent credit score all of my working life.On XX/XX/18 I paid the full amount {$91.00} because nothing else was working.At that point I sent an email ( attached ) to Cabela 's customer service so they would know what was happening with the card.Apparently my credit score has taken a big hit due to this unethical business practice of Capital One.
Product: Credit reporting or other personal consumer reports

Transunion is reporting XXXX current XXXX  warrants that are XXXX and have been resolved over 2 months ago. Additionally, they are reporting a XXXX  in XXXX Ca court has been paid back in 2020 and I have the receipt. The court said what they are reporting does not reflect their system, at all. They also are reporting an address in Connecticut that I never lived at. They have not updated my credit profile as well after several requests and are reporting to agencies that I do not have enough credit to register a score and report me as XXXX XXXX XXXX and are informing agencies my profile is BAD as an evaluation.
Product: Credit reporting or other personal consumer reports

Kindly remove these inquiries, as I am unaware of them, and they were conducted by the company without my permission.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX  has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

On XX/XX/2023, I instructed Optum Bank to close my HSA account. The balance at that time was {$0.00}. I requested written confirmation of account closure to be sent via USPS first-class mail within one week ( no later than XX/XX/2023 ). It has now been three weeks since I instructed Optum Bank to close my account, and I have yet to receive any written confirmation from them. 

This is unacceptable, and is yet another example of Optum Bank  's poor customer service.
Product: Mortgage

The lender is aware that I am XXXX in the military and they scheduled a sale date on my property. They have advised me that it should have never happened and they can not stop it now.
Product: Checking or savings account

I received a targeted promotion from M & T Bank with a specific promo code, XXXX, via mail. The requirements were to open an account, access the online system, and maintain a balance of {$1000.00} for both XXXX and XXXX ( see attached mail for details ). By XX/XX/XXXX, I had successfully transferred {$1000.00} into the account and called the bank to confirm that my deposit would still qualify for the promotion. The customer service representative assured me that both the {$600.00} I had already deposited and the pending {$400.00}, which appeared on XX/XX/XXXX, would meet the requirements. 

Since XX/XX/XXXX was a Friday and XX/XX/XXXX and XXXX were a Saturday and Sunday, the {$400.00} didn't officially post until XX/XX/XXXX. Concerned about the delay, I called again to verify whether my deposits still met the requirements. Once again, the representative confirmed that everything was fine, even after I mentioned I would close the account if this wasn't the case. As a result, I maintained the required balance. 

However, when XX/XX/XXXX camethe date by which I was supposed to receive the {$250.00} bonusI did not receive it. Upon calling the bank, they refused to honor the bonus, despite XXXX separate employees confirming that I had qualified for it.
Product: Checking or savings account

In XX/XX/2022 my account was inaccessible when I attempted to use my debit card. In looking at my mobile app it said my account was suspended. I never received a letter, an email or a phone call stating why this occurred. I called in and was told my account was under investigation for a check I deposited on a closed account. This was a check for a class action suit .. how was I to know it was closed. It was a check for less than XXXX. This consideration to close my account went on for XXXX MONTHS!! During that time I had no access to my funds, my direct deposits and could not pay my rent or bills. I CALLED HSBC OVER XXXX times and never once received anything in writing or my funds until I filed with the FDIC. I LOST EVERYTHING IN THOSE XXXX mos!!
Product: Money transfer, virtual currency, or money service

XXXX transfer of XXXX dls to number XXXX, name XXXX XXXX, he was an impostor saying that he worked for XXXX, because I dialed the supposedly eBay number to talk to a representative and because I just got authorized for a new XXXX credit card he said he needed me to send money to link my bank account to XXXX, the number I dialed was XXXX, the last name of employee was XXXX and he gave me employee ID XXXX, that when XXXX contacted me they said they employee ID, are all numbers, hope you can assist me with this situation I have screenshots of the transactions if needed, thanks XXXX XXXX XXXX
Product: Mortgage

completed intake information with Quicken loans on XX/XX/2020 by the time i hit submit - Quicken Loans called me. 
with in a few minis, I had to complete the information requested in order to get a current rate. 
The intake asked me for my SS # and Date of Birth - by doing so - I asked will I get a copy of my report? I was advised to speak with another department after the service for that information. 

Afterwards I was transferred to another department - Client relations where I was told - That I can not get my full report that they pulled - but I can go to another website to get my information. That Quickenloans / DBA Rocket Mortgage - did not disclose to me that before taking my information - they refuse to give me a copy of that credit report - it's their policy. 

1 ] Upon their web Site - it does NOT Disclose that information before submitting your information. That it's Quicken Loans / Rocket Mortgage Does NOT Provide the applicant with their Credit Report. 

2 ] While on the call - that information is NOT DISCLOSED to the applicant before giving that information. - I was advise that Client relations will give you that information? 

I find it to be a bait and switch - misuse of personal information This is a violation of-. The Fair Credit Reporting Act. 



Phone number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mich. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by phone by XXXX XXXX ( XXXX XXXX, XXXX ), who said I was looking for auto insurance for a XXXX XXXX online. I was not looking for auto insurance information, and I do not own a vehicle corresponding to that information. They stated my information was provided to them by a company called XXXX XXXX, whom I have never contacted or otherwise authorized to distribute my personal information. 

I am concerned, as I have previously been the victim of financial fraud after XXXX breaches. 

I pulled my free annual credit reports, and found that today unauthorized Soft Pulls were made for my information through XXXX ( XX/XX/XXXX ) by the following insurance agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of inquiry XX/XX/XXXX I have placed freezes on my accounts in the past, and asked all the agencies to put blocks on providing my information for promotional purposes. Despite asking for my information to not be used for promotional purposes, Transunion continues to distribute my personal information to Transunion Interactive on a regular basis.
Product: Vehicle loan or lease

I purchased the vehicle, and a few days after I bought it, the transmission heated up, and it stalled on the highway. I took it back to the car lot where I bought it because the transmission was under warranty. They told me they fixed it, and the car continued to have the same issues. I returned to the car lot, and they informed me that they could not do anything about it because they did not have a car of the same value and that I had to take the car home. On my way home, the car stalled on the highway, and I was almost rear-ended by a semi-truck. I drove the car to the main XXXX XXXX dealership in XXXX, Texas, and informed them that I was leaving the car there because of the transmission issues that I had been complaining about. This account was opened in mid to late XXXX, and I requested information about the vehicle and if it had been sold and, if so, for how much, and I never received a response. XXXX XXXX XXXX continues to report this on my credit report every month. Due to them doing this it has greatly affected my chances at several job offers with the federal government.
Product: Debt collection

Company called Westhill Exchange LLC claims to be collecting a debt from another party. I have never heard of Westhill Exchange and have not received any communications from them. The first time I heard of them was XX/XX/XXXX when they sent me a purported " receipt '' for XXXX that they said they were taking out of my XXXX XXXX XXXX account without any authorization from me whatsoever. I contacted them and told them not to remove any funds, they have no authorization, and to please provide me with a debt validation letter with proof I have a debt with their company or anyone they represent pursuant to the FDCPA. It turns out they did issue a check to my account, with random check numbers and indeed took XXXX out of my account without any authorization from me. XXXX  XXXX XXXX has been notified and they have advised me to freeze and close account. This is my main account that everything is tied to, so it will cost me time, money, and stress to transfer everything to a new account. The first time I ever even heard of this company, Westhill Exchange LLC, was five days ago and I believe they have violated FTC rules by taking money out of my account without any notice or authorization. I didn't have time to receive or review any paperwork in order to dispute or deny such an allegation of debt.
Product: Debt collection

My name is XXXX XXXX I went to a clinic that was outside of my medical insurance network and unknowingly they charged me a copay. When I presented the receptionist with my insurance card she assured me that They were in my insurance network which was deceptive and misleading. This debt has been ruining my credit making it hard for me to get a job or bank credit cards I reconciled this bill already with the medical company. Please help me to remove this debt from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX   XXXX and XXXX XXXX XXXX
Product: Mortgage

Hi, my name is XXXX lent and I have a serious issue with td bank and my home equity line of XXXX received the loan account number XXXX on XX/XX/XXXX.everything was well until XXXX, XXXX and XXXX of XXXX and here is what happened, I noticed on my XXXX statement that my account was in arrears, I called td bank customer service XXXX to find out what happened, and together we figured out that the branch were I got the loan had closed, and my payments were never forwarded to the proper place.so I understood and remade the payments with a check from my ready cash loc from my personal institute, hvfcu.i was told all fixed, but then on my next statement it said I was still behind, so I called again this time to be told they do n't take checks from a line of credit? what is going on they do n't know there own policies.paid again with my debit card and received a new address to send my bill pay payments which I use for all my bills including this XXXX from the start.i have proof I 've never missed a payment.bank statements to prove it.all was good until XXXX XXXX when a loan XXXX called to say I needed to refinance this loan for the next XXXX year draw and interest only pay period, well thanks to td bank I was reported to the credit bureau that I missed these payments and could not refinance.wich I was never made aware of, I was told it was a XXXX year draw and interest only loan.now the payment went from XXXX to XXXX and by the way we raised your interest rate to XXXX percent from XXXX. I have made several attempts to resolve this over the phone and in person. I was even told I was not a customer by a mr.dewight gillens of the XXXX, XXXX, ny XXXX and was told to leave he would not look at my statements.also was giving a name and number of someone who I was told was handling this case, XXXX crow phone # XXXX whom has never once answered my calls or called me back.please help me, save my home from this obvious predatory lending.next step is a lawsuit with the help of my attorney XXXX 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 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, has violated my rights.

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 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 XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : 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 an 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 reporting, credit repair services, or other personal consumer reports

I have been battling with a few old student loan collections that should n't have been reported as such because I was not out of school and servicer knew that and did n't communicate to other departments. This balance was handled with a new transfer, and I had disputed with the credit bureaus, and they either did n't investigate, or they did but did n't update and remove the collections. Through Equifax, they even  have  XXXX  of my collections listed as " medical ''?? but they " verified it,    XXXX    '' and there was a " key derogatory '' that showed  XXXX  times in 2016 ev en though this account was handled years prior. Very odd and this is keeping me from buying a house. I 've attached letters and info. Thank you so much for helping
Product: Checking or savings account

ChexSystems had no option to correspond yet I keep getting emails about corresponding. The link provided takes me to the front page of their website. There is no account options for a individual to open in order to receive direct correspondence. 

I am being denied XXXX opening a bank accountdue to my credit report allegedly. I requested my report. And there is ABSOLUTELY NOTHING IN MY REPORT HISTORY IN REGARDS TO OPENING A BANK ACCOUNT EXCEPT THE XXXX XXXX OVERDRAFT CHARGE OF {$130.00} THAT I HAVE ALREADY FILED COMPLAINT ABOUT TO CFPB. REFERENCE TO MY COMPLAINT HISTORY. 

XXXX XXXX FRAUDULENTLY ALLOWED UNSURPRISED TRANSACTIONS ON A ACCOUNT THAT HAD INSUFFICIENT FUNDING. 

PLEASE REMOVE THE XXXX XXXX OVER DRAFT FEE THAT IS ABSOLUTELY ILLEGAL AND REMOVE THIS DEROGATORY MARK FROM MY CREDIT REPORT CREDIT REPORTING THAT IS VALIDATION FOR CHECK CASHING ABILITIES, EMPLOYMENT ( although I have NEVER had my employment history reporting reviewed for potential employers ONLY CRIMINAL HISTORY LOL ) and never has my CREDIT REPORT AFFECTED MY CHECK CASHING ABILITIES OR OPENING A BANK ACCOUNT. IM NOT WRITING THE CHECK, WHY DID MY CREDIT HISTORY EVEN BE REGARDED? WHY IS MY CREDIT HISTORY BRING REGARDED FORT OPENING A BANK ACCOUNT?? HOW DOES DEBT COLLECTION REGULATE A BANK ACCOUNT?!
Product: Checking or savings account

Capital One failure to make available my Direct Deposit money coming from my employer, also not releasing the payment ( ACH ) to a loan I submitted payment for.
Product: Credit reporting or other personal consumer reports

THESE HARD INQUIRIES WERE NOT AUTHORIZED AND I WOULD LIKE THEM REMOVED FROM ALL THREE BUREAUS IMMEDIATELY. 

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 called them about a cashier check ask them to check them numbers on it and they said it was good and I deposited it the next business day my account was closed saying it was a fake check after I asked them to check the check my account was under XXXX XXXX but Ive remarried now so have new name