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

On XX/XX/year>2024, a deposit was made into my checking account at Fifth Third Bank. Since that time they have held the funds and refuse to release them. I have called the bank to inquire why this has taken so long, well beyond the 3-5 business days that are customary and I was told the funds would be released on XX/XX/scrub> 2024. They have not been. They told me they could not get in touch with the bank from which the funds originated, which is also false.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. 
I sent a dispute letter to the credit reporting agency to have the fraudulent, inaccurate, incomplete personal information removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm simply wondering how long its going to be before the credit bureaus remove accounts from my credit report which are 7 years old. Even more so because I disputed the accounts with them and its been 41 days without a response from any of the three bureaus. I even sent them a copy of my social security card and my license to tell them who I am because my name is common.

These collections are really hurting my credit and I need them gone because they shouldn't be on there anymore.
Product: Consumer Loan

Have had a loan from One Main Financial for less than one year and recently have had personal events that have made it difficult to repay this loan. To preclude filing bankruptcy I contacted a company called XXXX XXXX, ( a XXXX party company ) in an attempt to set up a repayment plan. Recently, One Main Financial has been contacting me at my place of business in attempts to collect this debt. I am a XXXX work for the XXXX XXXX and these calls are starting to annoy others in my office. At the request Clear One I had not made contact with any of my creditors in order to let the entire restructuring process take effect. If there is anything else you need regarding this matter please contact me.
Product: Payday loan, title loan, or personal loan

I applied for a loan of {$820.00} in XXXX of 2022 which I received knowing there would be interest and such however, I was unaware in the end I would be charged roughly {$3000.00} in repayment with a payment of {$210.00} each paycheck. As of now Ive already payed {$1300.00} back which is well above my loan already and at a substantial interest percentage and Im roughly half way done paying it. This is a ridiculous amount to charge someone and I feel as something needs to be done about it and that I bring to attention what this company does.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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: Credit card or prepaid card

Synchrony Bank continues to discriminate and lower credit limit based on my creditworthiness, having no late payments and without my permission to make a hard hit on my credit through the credit bureaus. This is the second time with 2 store cards I have had with Synchrony Bank. Synchrony did this several times through XXXX with my Amazon Store card. I received a letter today, XX/XX/XXXX ( same as came with Amazon Store Card ) for my Old Navy Credit Card stating Synchrony was lowering my credit limit due to credit bureau report through XXXX XXXX. Their key factors are the following : Lack of Real Estate Secured Loan ; too many revolving accounts with high balance compared to credit limit ; unpaid collections ; not enough balance paid down over time on retail accounts ; number of inquiries was a factor in determining score. The letter includes this statement, While the date of the credit score may not be recent, your score has not likely changed significantly since this date. The date of the letter is XX/XX/XXXX. Number of inquiries is because Synchrony Bank does the inquiries!!! I have had 4 store accounts and PayPal Credit with Synchrony Bank. On this date, I closed 3 of the accounts. I closed the Amazon account in XXXX and closed HSN in XXXX due to these unfair, dishonest, and discrimination practices. I feel being able to continue this discrimination based on my prompt payments, and good creditworthiness should be investigated as it has gone on for years. I have all recent credit reports and these key factors are not accurate. It is unacceptable to hit my credit report causing number of inquiries to damage my credit without my permission. This company has been continuing these discrimination practices because no one investigates.
Product: Debt collection

Truthfully, I wasnt sure which box to check because this company has stooped to almost every single one of them.

1 ) They have communicated after my asking them to stop via verified letter.

2 ) They have made false statements and misrepresented themselves 3 ) They sent a letter to my parents address thus improperly sharing my information 4 ) They have attempted to collect a debt not owed as I have no record of this bill and they said that they had closed the account due to an inability to verify it I submitted a complaint against XXXX for the same matter earlier this week. While their response was satisfactory, it is clear that it was not true as I continue to be contacted by XXXX Collections for the same alleged debt that XXXX attempted to collect and then subsequently discharged according to their response to CFPB complaint number XXXX. 

XXXX initially mailed a statement to my parent 's address in XX/XX/XXXX. When asked, the representative at XXXX said that they mailed a letter on the same date as XXXX despite me having no record of a second separate letter. Upon hearing this, I realized that XXXX and XXXX must be part of the same group and that he was talking about the same letter, but your representative assured me that that is not the case and that he has never heard of XXXX. When pressed further, your representative said that the debt no longer belonged to the original medical group he had initially said that it did and that Cascade Capital Funding LLC was the new owner of the debt. On XX/XX/XXXX, I called Cascade myself and asked the representative what their relationship to XXXX and XXXX was. She candidly said " Oh- that's us! We're all the same! '' Knowing this, it is clear that Cascade Capital, XXXX, and XXXX are all engaging in deceitful and fraudulent collections practices. XXXX assured me that the debt had been written off as of XX/XX/XXXX and that they would no longer contact me in large part because they could not produce sufficient proof to verify the debt, but it is clear that XXXXCascade CapitalXXXX have resumed their contact albeit under a different name and that they have escalated to lying about their practices. Should these deceitful tactics continue, I will have no choice but to escalate the issue further.
Product: Money transfer, virtual currency, or money service

I am writing to express my serious concerns regarding XXXX handling of disputes, especially in light of the recent CFPB lawsuit that exposed major issues with the platform. Despite being a frequent XXXX user and reporting discrepancies on multiple occasions, neither XXXX nor my financial institution adequately investigated my claims. I was told that recovering my lost funds was impossible and that tracking these transactions was not feasible. The CFPBs findings reveal that XXXX has failed to protect its users, allowing repeat offenders to exploit the system and leaving consumers vulnerable to scams. This lack of accountability and transparency is deeply troubling and raises significant concerns about the platforms commitment to consumer safety.
Product: Debt collection

XXXX XXXX was paid in a refinance of home in XX/XX/XXXX through debt collectors Bllatt, Hasenmiller, Leibsker & Moore LLC. However now my mother is trying to sell the house and 10 years later XXXX XXXX is indicating a lien on the house from a debt that was paid in full, listed in Assets & Liabilities, listed on the HUD-1 settlement statement and Blatt, Hasenmiller was paid multiple times ( see all attached documents ). On XX/XX/XXXX XXXX XXXX of Law Office XXXX XXXX XXXX claims there is an open lien on me XXXX XXXX from XX/XX/XXXX although no confirmation. No one can provide a SSN, DOB or a signature indicating this is mine.I was sent a copy of judgment which was clearly a cut XXXX paste of a XXXX MI and yet they claim it was mailed XX/XX/XXXX from Blatt Hasenmiller. XXXX XXXX XXXX rep XXXX XXXX admit no payoff ltrs were mailed to XXXX XXXX XXXX and they had no records of anything pertaining to XXXX XXXX but yet it remains on me personally and the credit bureaus have allowed this which violates the FCRA and FDCPA. The type set that was sent of judgment does not match from the name to the rest of the alledged judgment. XXXX, XXXX refererenced XXXX but doc # XXXX from an alledge judgment entered XX/XX/XXXX # XXXX XXXX XXXX ( which was paid ). At that time they were paid in full accordingly of XXXX. Same account raised to! XXXX and now over 10 years later they are asking for {$2500.00} on closing documents in which my mother was trying to sell her house under a Short Sale. XXXX XXXX XXXX indicated there were no liens on the house in a previous letter. XXXX XXXX Bank did an illegal loan modification signed by a Vice President in XX/XX/XXXX with no liens mentioned. XXXX XXXX XXXX ran their own trac search in which no liens were reported however a place called XXXX XXXX XXXX XXXX indicates lien and sub-prime lender. I learned in XXXX that I had became a victim of Identity Theft in which I got a FTC report # XXXX and police report because my social security check was stolen through my bank account. I have had ongoing trouble since then. XXXX XXXX is trying to EXTORT money that was already paid over 10 years ago. Now because of XXXX XXXX my mother ca n't sell the house and now the house is going to go into foreclosure because of illegal, mismanagement, fraud and deceptive practices of all of the above and yet they are continuously allowed to get away with it! Please help me out here! See all supporting documents! Thank you. It was bad enough my name was added to a mortgage and I was put on a Mortgage Note illegally without a SSN, DOB or any other identifiable information and now XXXX XXXX can not produce or their debt collectors a SSN, DOB or any other information and want more illegal money from me of a debt over 10 years old of {$2500.00}! Pure extortion and for the Credit Bureaus to allow this to remain, I hereby will file complaints against them as well!
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I are looking to begin going through the home buying process and googled a pre-qualification online, and found QuickenLoans. They explicitly stated the difference between pre-qualification and pre-approval on a very helpful article on their website. The main difference being for pre-qualification it is not hard pull, and amount can vary and change, while pre-approval was a hard pull on your credit and more concrete amount for mortgage. Since we just started looking my husband and I opted for pre-qualification, while going through the process on Quicken Loans it prompted me to put in my personal information ( social security #, address, DOB ), and then the next screen was consent for Quicken Loans to " access my credit ''. The next page when I selected to continue, did not give me a pre-qualification number only a phone number to call. It was Sunday so we called on Monday, which Quicken Loans could not find my pre-qualification application, we were then notified later that day by our credit monitoring that Quicken Loans had done a hard pull on our credit. When we called them back we spoke with XXXX XXXX who stated that we gave " consent '' we expressed that it was misleading and we didn't even get a pre-qualification number, which she was also never able to provide us with. We asked her to remove the hard pull, ( XXXX said they have the right to remove the inquiry by law ), but they have refused to do so and will not direct me with anyone else to speak with.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX at XXXX who works at the special handling department should be fired from her job for lying to me and violating my rights. I have the right under the FCRA to dispute any information on my credit report deemed fraudulent. I called on XX/XX/19 and she told me that even though there was fraudulent information listed on my report it would be there for 2 years and that is not true. She is stupid and should loose her job or I will sue you and Equifax for a violation of the fair credit reporting act and fair debt collection practices act.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The actions I took towards this issue was requesting the purchase agreement from the collection company in question because I know that the amount on the collections are not correct and should be removed at once the collection company is Calvary Portfolio
Product: Credit reporting or other personal consumer reports

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX Balance {$1400.00}, XXXX  XXXX Balance {$500.00}, XXXX XXXX Balance {$29000.00}, XXXX XXXX XXXX Balance {$720.00}, XXXX XXXX  Balance {$1600.00} XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX Balance {$200.00}, XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX co XX/XX/XXXX
Product: Credit card

I called Citibank on XX/XX/year>, on or about XXXX pm XXXX. I called the credit card department. I called Citibank from my phone number ( XXXX ) XXXX. I spoke XXXX  a supervisor by the name of XXXX. He indicated he was in Florida. I said the reason for the call is XXXX  waive a late fee from my XXXX billing dates. I informed him I spoke XXXX  an agent in XXXX who said he would waive the late fees XXXX notated my account, however, it was too early because the late fees havent been accessed yet, XXXX XXXX call back on Friday. XXXX said he doesnt see those notes. I asked XXXX XXXX  submit a complaint on my end because customers should not be told XXXX different things. XXXX showed no empathy or sympathy. XXXX refused XXXX file my complaint. XXXX he refused XXXX find a resolution when I was told false information from an agent. I told XXXX I would file a complaint for his perfunctory behavior with the : BBB, CFPB, XXXX, and XXXX, and he actually encouraged me XXXX  do so then he disconnected the phone while I was speaking. XXXX was unprofessional. I seek XXXX hold XXXX accountable. In addition, I never used profanity or made threats.
Product: Debt collection

Received a call from XXXX at XXXX on XXXX/XXXX/2015. The man on the phone kept asking for personal information, but when I asked him any questions he would only state that it was a personal business matter and could not provide any information until I verified my identity. I hung up on him without getting his name unfortunately. Today ( XXXX/XXXX/2015 ) I got another call from the same number. This time I made sure to get the woman 's name : " XXXX ''. She kept asking me to verify my information, and I kept refusing to verify any information until she told me the name of her company. She said it was " IC Systems ''. I asked for the company 's mailing address and she refused to provide it ( like actually refused! ) unless I would verify my identity. I could n't believe it and incredulously asked if she was really refusing to give me their address so I could send a cease and desist letter. At that point she said she was terminating the call and hung up.
Product: Checking or savings account

Around XX/XX/2020 my " Chime Bank '' checking account, which I later learned issues their debit card thru " The XXXX XXXX XXXX  suspended my account and filed a " Suspicious Activity Report ''. Under the SAR 's Act I am unable to withdraw ANY of my funds which total approximately {$4000.00}. 

ALL of my deposited funds were ethically and legally acquired thru my small business. The account is in my legal name. The Social Security Number and Date of Birth I provided were both 100 % accurate. 

This account was approximately 6 months old at the time of suspension or closure. I am not sure which action was taken. 

For the past 9 months I have done what I was instructed to do by Chime bank employees : I faxed them a copy of my Driver 's License. a copy of my Social Security Card, Utility Bills, and an explanation of how I earned these funds. I have spoken to at least a dozen employees and none are helpful. They have no information for me. 

I learned my account was frozen when at the grocery store and attempted to use my debit card. It no longer worked. Chime never initiated communication with me, nor have they ever emailed or called me about this issue. It is almost like they are trying to just steal my money or are hoping that I will just forget about it or give up trying to have what is legally mine. Well, I am a single woman with no job and a small XXXX based business which has suffered greatly because of the pandemic. I am also in very poor health and need access to my {$4300.00} immediately as I am about to be XXXX  since I can not pay my rent. 

I am demanding that Chime Bank or XXXX XXXX XXXX  or whoever has my money to issue me a check for the full amount immediately. 

Thank You CFPB. Your help in this matter is greatly appreciated. 

Respectfully, XXXX XXXX
Product: Credit card or prepaid card

Charge on statement for transaction dated XX/XX/XXXX posting XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX REF # XXXX ACCT # ENDING XXXX ( {$210.00} charge ) XX/XX/XXXX - called BOA fraud department to report unknown/unauthorized charge listed above. Was told by agent that it was an online purchase, my card was cancelled, new account issued, and temporary credit issued. 

XX/XX/XXXX - received letter stating, " We're happy to let you know a credit ( s ) has been placed on your account that includes any interest charges and fees that you were charged. You don't have to do anything on your end -you 'll see the credit ( s ) on your monthly statement. We appreciate your patience and are happy we could resolve this for you. '' XX/XX/XXXX - received letter stating credit was reversed and " the merchant provided documentation confirming you received the merchandise or service. '' Upon calling BOA fraud department, I was told that after investigation, this was a physical purchase, and another request for investigation was done with the same end result. This was in no way a physical purchase as I never lost my card, the charger is not a physical merchant after conducting my own research. 

I was told the only option I had was to call this charger myself. I was given XXXX to call and after calling a total of 15 times between XXXX, each time only a voicemail stating the company was " on holiday '' was received. No voicemail option nor human interaction. 

I tried calling BOA fraud department multiple times on XX/XX/XXXX and got disconnected each time so I felt I have no choice but to file a claim with CFPB. 

In closing ; this is an unauthorized charge, and I am in need of this to be taken off of my account immedietly. Thank you.
Product: Credit card

Charged interest on a XXXX balance! Balance was XXXX when the statement closed and they stated that even though the balance was XXXX, it wasnt paid by the due date in full, which should only apply if your being charged daily interest, which should only apply to cash not purchases. I attempted to resolve it but they failed to help so I just paid it and now my statement balance will report as just an interest charge!
Product: Credit reporting or other personal consumer reports

I checked my credit report recently and noticed some unauthorized inquires that wasn't from me and they are listed below. 



navy fcu XX/XX/XXXX navy fcu XX/XX/XXXX navy fcuXXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I discovered that a collection account was posted by XXXX XXXX XXXX ( XXXX ) to my Equifax consumer credit report. The report indicated that the amount owed was {$140.00}, and that the original creditor is XXXX. To date, I have yet to receive a letter from XXXX regarding this collection account. However, based on the information provided by XXXX to the three credit bureaus, this debt is not mine. Together, the credit reports indicated that the last payment made to the XXXX account was XX/XX/XXXX ; that the date of first delinquency was XX/XX/XXXX ; that there was an account review inquiry to Equifax by XXXX on XX/XX/XXXX ; and that the collection account was opened on XX/XX/XXXX ( see attached supporting documentation ). While I previously had an account with XXXX, that account was closed in XXXX of XXXX. That account was also in good standing at the time of closure. All fees had been paid as the account was set on credit card autopay, including a close-out payment of {$18.00} on XX/XX/XXXX, and all equipment returned ( see attached supporting documentation ). Since closing my XXXX account in XXXX, I have not opened another account with XXXX, and am not the person who made the XX/XX/XXXX payment to the XXXX account in collection. 

I submitted a dispute regarding the collection account referenced above to Equifax via certified mail on XX/XX/XXXX ( see attached supporting documentation ). 

As a XXXX XXXX  the COVID-19 response, this matter is distracting my attention and time from serving Oregonians. I would, therefore, greatly appreciate the CFPBs assistance in resolving this matter expeditiously.