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

I am unable to access all my accounts ; savings and credit card. They locked my accounts without informing what the issue was. I called the customer service a few times and directed me to the security team department, but to my surprise, the Dept is only open M-F XXXX  to XXXX.I spent HOURS to call the security team department, while at work, with NO luck. Finally, I had to give up and so I called the customer service number again and requested to talk to the Manager but AGAIN, they told me that I had to talk to Security dept since that the dept the only one with access to unlock my account, not even their manager.  They also said that the sec dept had very high call volumes and the wait is long and to try calling them early morning. So, the next day, which is today, I called them exactly at XXXX ET and waited for 1 hour without no one still answering the phone. Its been over a week and I still dont have the access to my account! Me too, as other people stated with the same exact issue, concerned about the possibility of fraud and my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account XXXX XXXX  XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX. I made a payment on Friday XX/XX/XXXX of {$300.00}. Never received any email confirmation that payment was made. I checked spam folder, all mail folder and anywhere e-mail might be and nothing. I went onto credit card website no info about payment made. I checked pending payments and history, nothing. As of Sunday XX/XX/XXXX no indication payment was made on their website. Still showed minimum payment due on XX/XX/XXXX. Thinking payment didnt go thru I made another payment of {$300.00} because I didnt want a late payment fee. After that payment within several hours website finally showed pending payment of {$300.00} processing. ( Still never received any e-mail confirmation ) I thought, I guessed I missed first payment or something went wrong with first payment. Today XX/XX/XXXX website shows I made XXXX payments of {$300.00}. Tried to call number on card and after confirmation my personal information, automated service tried to assist me, but needed customer support. Finally I get transferred to customer service only to be told that they are working on restoring service. Call back another time. I called several times starting on Saturday after not seeing my payment posted got same message. Even called today at XXXX XX/XX/XXXX and received same response. I now made XXXX payments totaling {$600.00} when I only wanted to make XXXX payment of {$300.00}. This puts me in a poor situation for the budget for the rest of the month. Their website site had no way of canceling XXXX of the payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTICED A CHARGE OFF ACCOUNT WITH WESTLAKE FINANCIAL SERVICE THAT I DIDNT OPEN ON MY CREDIT REPORT. IT IS A FRAUDULENT ACCOUNT. IVE CALLED WESTLAKE FINANCIAL AND HAVE SPOKEN WITH MANY SUPERVISOR AND HAVE EXPLAINED TO ALL OF THEM THAT I DIDNT APPLY NOR OBTAIN A AUTO LOAN WITH WESTLAKE FINANCIAL. IVE EXPLAINED TO THEM THAT MY IDENTIFY WAS STOLEN A ALMOST 2 WHOLE YEAR BEFORE THIS CAR WAS PURCHASED AND EVEN EMAILED AND FAXED OVER THE POLICE REPORT TO VALIDATE MY STATEMENT.THEY IMMEDIATELY APOLOGIZED AN SAID HOWEVER SINCE THE DEBT WAS SOLD TO XXXX XXXX XXXX THAT I WOULD NEED TO CONTACT THEM .XXXX   DISREGARDED MY CONCERN AND SAID I STILL WOULD HAVE TO PAY THIS AUTO LAON THAT I DIDNT SIGN UP FOR NOR AUTHORIZED TO BE IN MY NAME. I THEN CALLED WESTLAKE FINANCIAL BACK AND THEY SAID THEY WONT REMOVE IT AND THAT I NEEDED TO PAY TO HAVE IT REMOVED. THAT IS AGAINST THE LAW AND THIS ACCOUNT WILL BE REMOVED. I DIDNT OPEN THIS ACCOUNT, IT IS FRAUDULENT AND I NEED IT REMOVED FROM ALL THREE OF MY CREDIT REPORTS AND RECEIVED ALL OF THE POINTS BACK THAT I LOST FROM THIS FRAUDULENT AUTO LOAN ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was transferred from XXXXXXXX XXXX to XXXX XXXX. I received notice of the change in XX/XX/XXXX. I have made all of my payments on time to both companies. 

My credit score decreased anywhere from 17 to 20 points because XXXX XXXX   shows my account as being closed and not transferred. XXXX XXXX does not show up on my credit report at all. 

The information is inaccurate and needs to be updated. 

Date of Loan XX/XX/XXXX Date Loan was sold to new lender : XX/XX/XXXX Prior Loan Number ( XXXX XXXX ) XXXX XXXXXXXX XXXX  Loan Number XXXX My contact information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX
Product: Credit card or prepaid card

Synchrony Bank closed my account stating it was due to the number of credit lines open. Apparently they run soft credit checks even when your balance is zero and you have not requested any credit. I had received an offer of 12 months no interest. I paid the entire balance off within the 12 months and currently had a zero balance when I received the alarming email saying they were closing my account. I had not asked for any credit so there was no reason to run a soft credit check. I work in customer service and finance so I called them to ask for some assistance. I spoke to three supervisors all of which repeated the same scripted response the company has set forth for them to provide. None wanted to look into the matter further or even look at the fact that I was a good customer and had not asked for any recent credit. While it may be in the fine print, it is a violation to run soft checks without the knowledge of the customer especially when the customer is not asking for any credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally contest the inclusion of a fraudulent account in my Transunion credit report. Despite submitting a dispute letters and the required documentation to the Federal Trade Commission ( FTC ), as per your guidelines, this account persist on my Transunion report. After uncovering this fraudulent account, I contacted the relevant company, which acknowledged its fraudulent nature and assured me of its removal from their records. Subsequently, XXXX and XXXX have both expunged this account from their records after verifying its fraudulent status. I am puzzled as to why Transunion continues to report this fraudulent account, especially since the other credit bureaus have already removed them. I have completed all necessary steps and furnished all relevant documentation to substantiate my claim of identity theft. 

XXXX XXXXXXXX XXXX  XXXX XXXX
Product: Credit card or prepaid card

I have had two credit cards with citibank for over 20 years. A Master Card and a Simplicity Card. I live XXXX miles away from the USA, in the XXXX. So the cards were used mostly for online purchases like XXXX XXXX XXXX and international and domestic air travel and hotels. I have always kept a XXXX, Ca. address for doing my banking business. I have over {$71000.00} in Citi Bank. I have never been late on paying any of the credit card bills, In XXXX, w/o notice to me and w/o any valid reason, citibank cancelled both credit cards. I have lost my computer security protection due to not being able to renew online due to no credit card..and .have had to cancel my upcoming XXXX due to no credit card to pre-pay the XXXX bills, along with other associated problems caused by the cancellation. 
It is only with great expense of time and money that I can make a long distance call to the USA. On XX/XX/2021, when I was finally able to get such a call through to the Citi credit card dept, I was told that the cancellation was due to me not having a USA mailing address. I then asked the lady assisting me to pull up my profile page maintained by Citi and check my address. She did ... and she admitted that I have a XXXX, CA. address on my profile page. She said she was sorry but she could not re-open the cards because they were cancelled. She told me to go online with citi and " apply for a new card '' and it could be mailed to me immediately. 
Well, guess what. I went on line, filled out the application for a new replacement card ... .and ... my application was DENIED immediately. Now, I am a non-person. I have no credit cards, I have no access to my {$71000.00}. I don't exist to Citibank anymore. 
In my opinion, this is nothing short of common FRAUD, committed against a XXXX year old senior citizen by a bank who is cutting out the dead wood ( the older customers who no longer deposit money each month into citi but instead, are with drawing their money each month ). I'm tired of this dishonesty. It's causing me XXXX XXXX and great stress. Their CHAT people do nothing but tell me to call XXXX miles to the USA. When I call, they tell my to go online ... which I can not do because they have blocked my online page, thereby freezing my accts. I pay a minimum of {$10.00} every time a have to call citi USA ... and I tell them I'm calling long distance from XXXX miles away ... and what do they do..they put me on HOLD for 5 minutes every time they transfer me to a new department. If this is " XXXX XXXX '', then they are XXXX  me with their pro service. I want to go back to the old days ... when banks were honest and treated their customers with respect and dignity. I feel like ( opinion ) that citi has stolen my funds and have wiped out my identity as a person.
Product: Money transfer, virtual currency, or money service

I am filing out 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 and address fraud on their platform, leaving my 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 or other personal consumer reports

I am disputing a late payment reported by XXXX XXXX XXXX  for my mortgage loan in XX/XX/year>. This negative mark on my credit report is unfair and does not accurately reflect my payment history. 

Lack of Proper Notification : I was not informed of a payment shortfall until XX/XX/year>, when XXXX XXXX called me about the issue. I was not aware that my {$15.00} escrow shortage would result in a reported late payment. 

Immediate Payment Made : As soon as I was notified, I paid the full balance immediately to bring the account current. 

Strong Payment History : I have made 47 consecutive on-time payments on this mortgage, and this was a minor escrow-related shortfall. 

Possible Reporting Error : Given that my principal and interest were paid, and only escrow was short, this should not have been reported as a full delinquency. In addition, there is a money buffer built into my escrow account to account for changes in escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M HAVING A VERY HARD TIME WITH THE CREDIT BUREAUS HELPING ME CORRECT ERRORS REPORTING ON MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with an accurate consumer. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely, AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

I received notification from Lowes that my credit account was closed even though it was in good standing, never missed a payment and actually had a payment scheduled for 3 days after they closed it. I will still continue to make the payments because the balance will be paid off after the payment that's scheduled for Friday and I have already scheduled the one for XX/XX/XXXX. I am concerned because my credit score dropped because if it and they had no good reason and gave no warning. All they said is that I could reapply
Product: Checking or savings account

I have been the victim of friendly identity theft recently. Paypal and my bank say they are not on the hook for the money. the money way taken from   XX/XX/XXXX   to   XX/XX/XXXX .   <P/> my bank refunded me {$3000.00}  USD for the first 60 days of transactions. they also Refunded {$19000.00} USD w hich was fraudulently used on my credit card. the problem is i still have {$35000.00} missing from   XX/XX/XXXX   till   XX/XX/XXXX .   <P/> I was wondering if this money was stolen out of my business checking account is there any insurance on it?
Product: Debt collection

im unaware of this debt. I didn't have an opportunity to dispute this information. if in fact you believe you gave me proper notification then please send me the certified receipt with my name on it with my signature.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I purchased a product online from a company called XXXX XXXX -- at the time the company 's website was active at XXXX. The site uses Afterpay, a buy-now-pay-later type of website to process the customer payment. 

After the purchase, I started researching XXXX online and found multiple consumer complaints that items were purchased but never delivered, often in the hundreds of dollars, and that the company would never respond to inquiries requesting a status or purchase update. 

I contacted XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX demanding that the order be canceled and my initial XXXX of XXXX Afterpay payments be refunded. Concurrently since XX/XX/XXXX, I have at least XXXX back-and-forth emails begging Afterpay customer service for a refund due to the fraudulent transaction. At every step, Afterpay refuses to resolve the matter, only providing vague updates that their merchant business unit is looking into the matter. I have demanded but been denied an opportunity to speak directly by phone with a company representative to explain the issue.
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 16 XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am attaching two sets of documents. The first document is written in full detail what I think happened to my second mortgage. The second set of documents is the entire accounting of my second mortgage. It is a very difficult case and has taken me over 50 hours to compile this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 at approximately XXXX, I made my monthly payment of {$580.00}. At the time of my payment, my account was 29 days past due. Once my payment was processed, XXXX listed my date as XX/XX/2021 on my confirmation receipt. They used this deceptive tactic and incorrect date in order to place a " 30 days '' late on my and the co-signer 's credit report files with Experian, XXXX, and XXXX. 

This incorrect information caused BOTH credit scores to drop drastically and has had a NEGAVTIVE impacts our credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking Experian, XXXX XXXX XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violations. 

15 USC 1681- Experian, XXXX XXXX XXXX have 30 days to investigate and send me a reply. 

They also did not record the current status of my disputed information which is another violation. 

XXXX ACCOUNTS TO BE REMOVED : XXXX. XXXX XXXX account # XXXX amount {$18000.00} XXXX. XXXX XXXX XXXX XXXX ACCT # XXXX amount {$0.00} XXXX. XXXX ACCT # XXXX amount {$0.00} EXPERIAN ACCOUNTS TO BE REMOVED XXXX. XXXX XXXX ACCOUNT NUMBER : XXXX AMOUNT {$18000.00} XXXX. XXXX ACCOUNT NUMBER XXXX XXXX, XXXX XXXX BANKRUPTCY ACCOUNT NUMBER XXXX XXXX ACCOUNTS TO BE REMOVED XXXX. XXXX XXXX ACCOUNT NUMBER : XXXX XXXX. XXXX ACCOUNT NUMBER : XXXX
Product: Debt collection

i have disputed this account and have had it removed twice now, an it keeps popping back up on my credit report, XXXX XXXX  has been contacting me none stop trying to collect a debt i do not owe them i have never had any services with them an i have never signed any contract regarding them contacting me for a debt, they are contacting me regarding XXXX XXXX, XXXX XXXX reps have revealed information that they should not have access to an i have asked them to stop contacting me they have not stopped calling me trying to collect a balance of {$2800.00} that i do not owe
Product: Checking or savings account

First Bank Florida held a Cash Deposit until the next day causing a NSF Charge. I made a Cash Deposit of {$140.00} on XX/XX/XXXX. This brought my Balance to {$680.00}. Later that same day I made an Electronic payment in the amount of {$650.00}. First Bank Florida held the Cash deposit until the next day and processed the Payment before the CASH CREDIT. Despite they chronological order. First Bank Florida held the Cash Deposit until the next day causing am NSF Charge Product_Or_Service : UNCOLLECTED FEE CHARGE XXXX Account_Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I recently pulled my credit report and saw that Incorrect information was listed. I sent a goodwill letter to Capital One and disputed with them and no one would help me. Ive disputed several times because Ive never been late making payments. Im very frustrated at this time because the inaccuracies were not updated to a positive status. Ive been a loyal consumer since XX/XX/2014.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) Due to In adequate 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 and address fraud on their platform, leaving my 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.