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

I was searching for information on Home equity loans via Rocket Mortgage website and it specifically said that only a soft credit pull would be conducted, however, within 2 weeks, I received a full loan package with a full hard credit pull, score and report in the mail for us to sign and return. I have never spoken to anyone, Ive had to block phone numbers and text messages because the phone calls were relentless.
Product: Money transfer, virtual currency, or money service

On the XXXX XXXX, when transferring XXXX $ to XXXX on TransferWise, it will be XXXX until it's finished, after waiting until today, My account has been deactivated. site signs of appropriating money, my account was deactivated by no reason. TransferWise don't send any email about the completion then blocked my account for no reason. 
Please give my money back
Product: Checking or savings account

I have a fraud transaction in my bank account, I bank with well Fargo.This transactions was occur in XX/XX/XXXX and XXXX 2022 and the total amount is {$13000.00} which I called the bank immediately I found out, they blocked the debit card immediately and issued me another debit card and they told me it will take 10 business days for them to review the claim on the account. Surprisingly, I didnt get a call from them and I decided to call the claim assistant myself .which I was told my claim is been denied and I ask the claim assistant why, he told me he will mail me the letter of reason of denied, and I said ok I will be waiting. 
Surprisingly, I got the letter in my mail but I didnt see or understand why the claim was denied. Am frustrated, I dont know what to do, I didnt use my debit card for such amount of money. Please help me out
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$800.00}, {$1600.00}, {$1900.00}, {$590.00}, {$0.00}, {$900.00}, {$6000.00}, {$1200.00}, {$1100.00}, {$110.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX BAN with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

3. XXXX BANK XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

5. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on APR XXXX, XXXX with a balance of {$590.00} -This is not my account. 


-- AUTO LOAN OR LEASE 6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOAN 7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

9. XXXX FUNDING with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$110.00} -This is not my account.
Product: Credit card

m filing a complaint against Synchrony Bank on discrimination and trying to obtain my personal information for a XXXX Credit Card, that did not require a Personal Guarantor when I applied for the Business credit card 9 months ago. The XXXX XXXX Credit Card for XXXX XXXX is well known amongst business owners for building Business credit, without the need of the XXXX XXXX personal credit securing the credit card. 

I applied for this Business credit card 9 months ago and I was asked if I wanted to personally guarantee the card, I stated no as I wanted my own Business to stand by its own credit history. I was approved by Synchrony Bank at the time with no issues and apparently with a review of the account that Synchrony Bank approved with a $ XXXX staring credit line. 

I recently applied for a credit line and Synchrony Bank pulled my companies credit profile for the increase. Again Synchrony Bank reviewed my account and approved my credit line increase from $ XXXX to $ XXXX with no issues or requests for more information or personal information. 

I had my online access to my account blocked as I was checking to see if my payment has posted, I called into customer service to see what happened and the agents had no clue what was going nor indicted that my Business credit card had been turned off or required information. 

I was sent a letter from Synchrony Bank that a review was completed on my Business credit card account and stated that certain information is required regarding XXXX XXXX of the account holder is required or else they will close my account within 20 days. 

I called in and spoke to a Account XXXX, who stated the information that Synchrony Bank is requesting is Personal Guarantor that will secure the Business credit card. After 9 months and XXXX recent reviews Personal Guarantor is now being requested by Synchrony Bank? I asked the account manger if other business owners had this account without Synchrony Bank requesting a Personal GuarantoXXXX, she stated yes and doesnt understand after 9 months, why Personal Guarantor information is now being requested. 

I feel that Synchrony Bank now requesting a Personal Guarantor on my 9 month old business credit card is based off discrimination. This business account has been opened 9 months and has had XXXX reviews XXXX approval of the credit line and XXXX of a credit line increase. If other business owners are not required to have a Personal Guarantor on the account, discrimination is the number XXXX reason why Synchrony Bank is doing this. They have no explanations why after 9 months of the business credit card being active and perfect payment history, why they are requesting a Personal Guarantor
Product: Checking or savings account

My husband bank with firts citizens bank and he wan na add me to his account I provided my ssn and my state license and my credit card from another bank took all my information them someone called me and ask me to bring my ssn and license again them called me to asked me to bring my visa  and passport them they said that there were a problem with my documents and they want another visa, I told her that I was calling an attorney because all my documents are correct and I wanted a email or letter printed telling that my documents were not accepted by this bank because I was on the phone with an attorney because they being XXXX and I have all mydocuments a few minutes later I when to pick up the letter and she apologized and said that everything was her mistake but is alright I don't need to bring any more visas to be added to my husband 's account they know him by name is a small town they never requested any information when he goes by they took copies of all my immigration documents plus my ssn and license and passport this is XXXX
Product: Credit reporting or other personal consumer reports

I DEMANDED, they remove my natural person information from their records. There is NO " Specific Agreement form '' from any foreign corporation to conduct international commercial business with our natural person. Our natural person has been harmed by these actions. 

Sent certified mail to Transunion, XXXX, and XXXX. Sent Certified Mail on XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Prior to XXXX I had Impeccable Payment history 800 credit score, I value being a financial responsible client/consumer. However, during XXXX I suffered from a major hardship, I had great death in my family I lost my former husband, who at the time was my primary source of income. I also was laid off my Job due to major cutbacks. Being a Widowed wife and a mother XXXX XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. In XXXX I reached out to XXXX XXXX  XXXX XXXX  XXXX in reference to 2 Accounts that I had at the time with them. ( XXXX & XXXX ) and requested Hardship options, I agreed to do a settlement with lender account was paid. I was informed me that account would be kept current, no late payments will be reported due to me agreeing to settle account. According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I contest that creditor remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditor adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amends Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during XXXX XXXX. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing issue I have reached out to them in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts still remain the same inaccurately Late Payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX made hard credit inquiry that was unauthorized.. 



Thank XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I noticed several fraudulent charges from the car rental service XXXX. I called TD Bank, alerted them to these charges, and it was dealt with immediately. I was issued a new card, and the charges were removed. On XX/XX/XXXX, charges totaling XXXX} were transferred back on to my new card ( as a balance transfer from TD bank, though my statement shows the charges are from XXXX ). On XX/XX/XXXX, this happened again ( totaling XXXX  ). I have since called numerous times and waited on hold several hours with no resolution. I have opened two separate investigations via TD bank, the most recent of which was closed XX/XX/XXXX with no resolution. One representative told me, " sometimes this happens, maybe you should call XXXX '' and offered me no other recourse. My most recent experience lead a representative to file another internal investigation to try and get some answers. 

From what I gather by piecing together varying information from these calls is that the balance transfer was simply to balance out a credit I had received for the original fraudulent charges. However, the charges to my card never posted because they were caught in time, and I never received nor needed to receive a credit for them. I have a letter from TD Bank stating that the charges never posted, and no action was needed to remove the charges. My statements from the past two months verify that I never received a credit, and it simply appears that XXXX charged my old card a total of XXXX. Unfortunately, TD Bank seems to have deemed this matter " closed '' and does not seem willing to investigate further ( pending the results of my last call ). I am not sure how to proceed to get these charges removed.
Product: Credit card or prepaid card

An unsolicited card was sent to my XXXX XXXX XXXX daughter. We do not consent to this card. However, when I try to contact the company, I can't get through to anyone without entering her SSN. This I will not do! XXXX XXXX should not be issued to underage children without consent. We should be able to cancel without giving personal info.
Product: Credit card

A hold of {$110.00} was put on my american express server One VIP card Saturday XX/XX/2016 while checking into the XXXX XXXX in XXXX. I called the the hotel today Monday XX/XX/2016 to ask why the hold was still on my card when I checked out Sunday morning XX/XX/2016. XXXX advised they released the hold upon my checkout that it was my card merchant American Express Serve that still had the hold on my card. I contacted American Express Serve and they advised the could n't release the {$110.00} until XX/XX/2017, because the do n't have the authority to in their system. Even though I had the XXXX XXXX on the line and told them I had no other pending hotel charges. It 's a blatant attempt to keep my money on their books for at least 30 additional days, and I consider this flat out FRAUD ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND EXPERIAN HAS INFORMATION ON MY CREDIT REPORT THTA NOT MINE AND THEY REFUSE TO DELETE. 

I demand the followingBE deleted immediately. 
I received a copy of my credit report and found the following item ( XXXX ) to be in erR Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle had not only neglected protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

XX/XX/2018 someone opened a new account in my name and it wasn't me. AMCOL SYSTEMS .. I CALLED THEM THEY TOLD ME TO CALL YOU
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Transunion for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX  XXXX XXXX Account Number : XXXX I have previously disputed the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, Transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Transunion 's refusal to comply with this law is a clear violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase a vehicle a few months ago and every lender that I spoke with stated that they could not pull my Equifax report. They were able to access my XXXX and XXXX without any issues, but they could not access my Equifax report. On the lenders end it stated that there may be consumer fraud or some type of freeze on my report that will not let them access it. I called Equifax about 5 different times to get this matter straighten out as I do not have any idea as to why lenders can not pull my credit report. I have never in my life placed a freeze on my credit and have no knowledge of any consumer fraud. Equifax told me every time I called that they do not see any freeze on my account and they are not sure why lenders can not pull my credit. They stated that it may be because the wrong address was listed on my credit report and the only way to change that is to mail or fax them a picture of my social security card, my ID, and a cover letter with my correct address. I did that and I am still having the same issue. I am now in search of a new home but lenders still can not access my credit. I am desperate at this point, please help me.
Product: Debt collection

I continue to get phone calls from a company XXXX XXXX, XXXX. They claim I have a debt from a XXXX Credit Card from 1998 which is in my maiden name. The debt totals {$1400.00}. I called XXXX and this debt does not exist.
Product: Credit reporting or other personal consumer reports

After viewing my credit report there are a few inquires that i did not authorize and would like them removed from my credit report. 

XXXX XXXX XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX.. I am a Consumer natural person.. CAPITAL ONE BANK is in violation of my Consumer rights pursuant to the Truth In Lending Act & the Fair Credit Reporting Act.. On XX/XX/2021 CAPITAL ONE BANK closed my account without written consent or permission from myself the Original Creditor.. CAPITAL ONE BANK has no documentary evidence that states I extended authorization or gave them permission to act on my behalf.. My damages from such actions have exceeded & XXXX. I am filing this claim to notify CFPB of the wrong doings of CAPITAL ONE BANK
Product: Debt collection

I have gone through my annual check at my XXXX  XXXX. They had a tie up with XXXX  XXXX. I have paid my co-pay amount at the time of payment. 

All of a sudden, XXXX XXXX start following up for the {$21.00}. I have been unnecessary follow up to pay this amount and literary harnessed by XXXX & now Credit Control , LLC. 

These agencies are giving threat of reporting to my credit and spoil my credit records. 
It`s stressful situation for me. 

These companies are behaving like they have no control and keep harassing clients without evaluating situations.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a $ XXXX purchase on my Comenity XXXX. My plan was to pay off the balance the following month. However, I was unable to due to issues with the company 's website. I made many attempts to contacting them with no success. I even sent a letter to them informing them of my difficulties to pay off my balance. On XX/XX/XXXX, I manage to pay $ XXXX towards my balance. Since I didn't pay off the balance, {$75.00} interest was added on my balance despite their website was under update, so I was told. the company still charged me even though I asked for waiver. On XXXX, XXXX, I made a payment of $ XXXX which and additional interest of {$64.00} was added again to my balance. On XX/XX/XXXX, I contacted customer service to pay off the balance once and for all. I asked for the current balance to be paid and was told {$2100.00} I paid it off. Then a week later I checked my account and noticed I still had a balance which now increased to {$2100.00}. So, XX/XX/XXXX, I called customer service once again and was told that the payment I had made was returned, so extra fees was applied. I told them that I would pay the balance and requesting that my account be closed permanently. They agreed to comply with my request. The following month I received a statement for a balance of {$49.00} I have been trying to dispute the balance ever since and as of XX/XX/XXXX, my balance is {$300.00} of just fees which I have asked to close the account not including any purchases. I made several attempts to resolve this concern, however, Comenity made no effort to assist me. I even reached out to the CEO of the company. This issue has affected my credit score and wants it resolve. Please help me for I'm running out of options.
Product: Student loan

I am unable to pay the full payment amount which is $ XXXX+ per a month for my student loan. I called Loan Science to set up a reduced payment plan. They are only able to offer me a reduced payment plan of {$360.00}. I advised that I am unable to pay that amount. I am only able to afford to pay {$200.00} per a month. They told me that there is nothing that they can offer me right now. But, to check back with them at a later date to see if they have any new programs. I told them that I was trying to set up the {$200.00} payment plan before I received a late payment on my credit report or before the loan went into default. They then told me that once my payment becomes more delinquent they will have other programs that they possibly can offer me for a reduced payment plan. But, why ca n't they just set it up now - why do I have to wait until I have a late payment on my credit report or my account is in severe delinquent status before they will adjust my payment amount. They 've done it before, but only after they dinged me on my credit report for XXXX days late - why do I have to have my credit destroyed before they 're willing to reduce my payment when they could set it up now and I could avoid dings on my credit. That seems wrong to me.
Product: Debt collection

I have spoken to your company and stated it was not my debt. I did have XXXX XXXX  and that has been resolved and the equipment has been returned. I owe XXXX XXXX nothing. I have NEVER had phone service or anything else from them. Please STOP this trying to collect money from me that I do not owe and do not allow this to become part of my credit report. 

Thank You, XXXX XXXX
Product: Debt collection

This was a long time ago so my memory is sketchy. In 2014, I think, I bought XXXX phones under a 2 year contract from a XXXX store. I made regular payments and finishing the 2 year contract and stopping my automatic payments. XXXX then came back and claimed I owed them another near {$400.00}. I disputed this and asked them over the phone for the original contract document to verify their charge claim. They said they send them. They did not. They continued to contact me with calls and increasing bills up to around {$600.00} after I'd canceled my phone plan with them. I went into their satellite and corporate store to personally ask for the contract documents. They informed me they did not have them there and could not access the digital copy but that they would retrieve them and contact me when they were available. I never heard from them and the bills and calls stopped. At least I think. I do not answer spam and scam call from unknown numbers so I can't be certain they tried to contact me further. Then, XXXX weeks ago I saw an attempt from a collection agency, JEFFERSON CAPITAL SYSTEM, to collect the Sprint charge claim. I tried to contact them but with XXXX callers ahead of me I did not wait the necessary hours to finally, hopefully communicate with a person. If JEFFERSON CAPITAL SYSTEM can produce the original purchase contract and my history of payments with which I can verify I in fact do owe the charges I will make an immediate payment. But I will not be threatened to make payment nor have my reputation and good credit rating XXXX further damaged by money hungry corporate entities. Reputable businesses, no matter how large, must keep and make readily available, accurate transaction records and contract documents or they risk being at fault when filing claims. In this case, and until those documents are produced, I refuse to pay any amount when XXXX, has multiple times agreed to produce them, but never did.