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

Hold on my checking account. I was told I am not able to withdraw any funds in my account because my account has been restricted. They told me it was due to my address, which is a XXXX XXXX but has a physical address : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Ii do not have another physical address to give to the bank therefore they are holding my funds till XX/XX/2024. This has been effective since XX/XX/XXXX. XXXX. 
I wanted to also tell you that the money in the account was put in as a direct deposit from social security. 
They are closing my account XXXX XXXX. 
They have told me that the funds will be mailed to me, while I don't have an address to have them mail me a check. Why should I get a check from the bank when they have my direct deposits already there. I don't see how this is legal for them to hold my funds when they should have been available immediately. 

Thank you for your time and consideration into this matter. Your timely response is much appreciated.
Product: Debt collection

I received phone calls and texts from a XXXX XXXX from Hillcrest, Davidson and Associates regarding debt collection for a person of the same name as myself in Utah. i explained that he had the wrong person, and I have nothing to do with this person or company. I sent a cease and desist letter on XX/XX/XXXX certified with return receipt explaining this debt is not mine and that they have the wrong person. In addition, I asked for verification of the debt. The collector said he found my contact on linkedin and thinks it's me because there's so much information out there apparently. 

No response was received and no verification of debt was sent. I kept receiving collection notices with threats of legal action and credit bureau reporting on XX/XX/XXXX and XX/XX/XXXX. 

I checked this person on XXXX that he was pursing. The person is a different ethnicity, age, education and lives in a different state. My first and last name match this person but the middle name is incorrect as well. 

The debt is for a company named XXXX XXXX for {$15000.00}. Again this is not my debt and they have the wrong person. They ignored my cease and desist letter as well as request for debt verification.
Product: Debt collection

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMER COL ENT. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute in reference to an account that being reported on my business credit report that doesn't belong to me. It's been over 60 days now and they haven't finish the investigation.
Product: Mortgage

Following up on complaint No.  XXXX . Please reference all documents and summary regarding this claim. Unfortunately, we just received notice by email from you it has been closed due to receipt  from Clear Springs (  response attached ). This was just a paper shuffle. I would appreciate the opportunity to speak to a member of your staff to discuss the avoidan ce by Clear Springs  to settle this short sale.  XXXX   XXXX   XXXX  has offered {$8000.00} to payoff the 2nd ( HELOCK ) and close out this file.  Clear Springs  would rather have foreclosure filed by  XXXX  and wipe out their receipt of any payoff amount. Very conceited approach. Homeowner distressed by this process!     Please phone my on my cell at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Debt collection

URGENT ; ILLEGAL TRUSTEE SALE XXXX by XXXX XXXX XXXX in XXXX XXXX : XXXX I own a valuable property in XXXX CA. I have in my possession the Court Ordered Final Examiners report from the Washington Mutual bankruptcy 2008. In this report is goes into great detail how XXXX Bank stole information from XXXX 's data room. XXXX was denied any further access once it was discovered they were acting in bad faith during the FDIC receivership. XXXX SOLD ALL ASSETS to a private bank in XXXX XXXX XXXX week prior to the FDIC take over. I have an audit showing XXXX attached the wrong loan and wrong loan amount to my property. XXXX bank is foreclosing due to this fraud. The claimed payoff is $ XXXX, when XXXX XXXX stated only $ XXXX was owed. I have tried numerous times to settle. I've demanded a full accounting to support the claimed debt and was told that's not possible. XXXX bank does not own the note, nor can they support the claimed debt amount. I'm asking for Arbitration of the CFPB to clear up this matter of fraud against me and my property that XXXX caused when they stole information from XXXX 's data room. 

Thank you XXXX XXXX XXXX XXXX
Product: Debt collection

Earlier this year ( around XXXX ), I found out through my checking Account, the credit card company unauthorizedly charged my account multiple times for a transaction I did not make. I made an effort to resolve the issue with them but Initially rejected my effort, until I involved my bank, where my Bank help me reverse all the money charged into my checking account. Then they called to explain to me the transaction made in my name in New York, I Immediately rejected the transaction, because I was living in North Carolina, not in New York, plus I had never been to New York for the past Ten Years. They agreed to Investigate the transaction and I was told that my store card would be temporarily placed on Hold. A few weeks later, they get back to me and agreed that it was a fraud detected on my account. they explained to me that they will mail me a new card, and they had already made corrections to my account, and according to them, I do not owe any money. 
However, a few months later, I started receiving mail from the credit card company regarding the same problem again, this time I was unable to talk to a single person, whenever I call them they always transfer me from one department to another, sometimes, I was told this CITI bank credit not XXXX XXXX, I will be given a different number to call all to no avail. please I need to resolve this problem because with each month passing by I was charging ridiculous late fees, and they never stop. I called them yesterday morning I was just been pushing around different departments and at some points they kept me waiting for over two hours, and then cut off the phone.
Product: Vehicle loan or lease

Lgm finance company on XXXX XXXX in XXXX Ohio, claims that the balance of my account is accurate, however everytime I make a payment the remaining balance increases by at least {$100.00}, a month. 
When I inquire, I'm told that the APR, increases daily, and I was told when I purchased the car. I'm a XXXX year old woman and I wasn't informed of that. 
My source of income is social security, and at this point I don't have a clue what the daily costs are, or when I will own the car. 
One time I was told to get a personal accountant to explain and train me. 
In XXXX I made a payment and the balance was increased by almost {$100.00}, I don't understand. Whenever I try to get an explanation, they are rude, nasty, ABRASIVE, HOSTILE and evasive. The total cost of the car was {$11000.00}. I've paid over $ XXXX, and I'm told that as of today that I have a balance of over {$2300.00}, and it will increase daily Please help me
Product: Credit reporting or other personal consumer reports

Asked for accounts to be removed XX/XX/XXXX and company just responded today XX/XX/XXXX which is over the 30 day response deadline.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has yet to explain complaint # XXXX response to a fraud application that shows on XX/XX/18 XXXX XXXX XXXX in which on the application is not my date of birth as social security number as not my drivers lic number. There is clear fraud committed by XXXX XXXX XXXX XXXX> I'm also filing with the US Attorney office with the document by XXXX XXXX XXXX XXXX fraud commited as well as to Equifax not removing the information and have inform my attorney to file a law suit regarding the fraud committed by XXXX XXXX XXXX in regards to the application not been removed.
Product: Debt collection

Date XX/XX/XXXX. Amount XXXX. This debt is a collection company Steven A Booska Attorney at law, the debt is for a federal student loan, which is in for bearance with a server XXXX, the 2nd account is a personal loan with XXXX XXXX XXXX, that has been discharge under bankruptcy in XX/XX/XXXX I have sent all documentation to this collection, company, they have refused to except any of the documents, they keep sending, letters that are not appropriate and harass and using threating tactics, please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete Late payments XXXX XXXX # XXXX from XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states. ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Reported 2 years ago I asked to be billed by mail instead they emailed me was late not a email person at that time showed on credit report negative
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 ) I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

TRANSFORM CREDIT INC XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX I disputed these inquiries because I do not recognize them nor did I authorize them!
Product: Credit reporting

Equifax is reporting my information with multiple negative comments on my report. After debt has been paid. Disputed XXXX more then once. XXXX has been paid and they keep selling my account and the other companies threatening a lawsuit. Harassing calls. Tried to pay XXXX directly and they wo n't speak to me they send me to the other company. Whom I paid and then they sold it to another company. Equifax has report other paid credit card debts as charge off. As well as stating it 's paid another count again adds more negative comments. It 's rediculous. I have had false medical accounts deleted from XXXX credit report but equifax refuses. This credit bureau is ruining my credit with ittsnpaidts in accuracies. As well as XXXX not reporting information correctly. Please help
Product: Checking or savings account

I went into a local XXXX XXXX banking branch and attempted to open a basic checking and savings account. At the end of the application process I was denied due to being flagged from a third party credit reporting agency, XXXX XXXX XXXX, XXXX. I called XXXX and they stated that there was two discrepancies on my consumer report that could be preventing me from opening a bank account at a reputable banking institution. One was from XXXX XXXX with a charged off balance of {$510.00}. This was entirely my doing. The second was a charged off account from Citibank , N.A . for a total amount of {$1100.00}. I have NEVER banked with Citigroup XXXX Inc. for the duration of my life. After further research, this fraudulent account was opened on XXXX XXXX, XXXX. My identity was stolen and fraudulently opened a checking account with the unauthorized use of my social security number.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a {$2000.00} loan on XX/XX/year>. Since then I have paid a total of {$2200.00} but it says my balance is XXXX. The loan agreement has the interest rate being over 200 %. This is an illegal tribal loan in MT. I have paid back more than the loan was yet still owe more than the loan was. I have contacted them, submitted a XXXX  complain and submitted a dispute on my credit report all to no avail.
Product: Debt collection

They sent me the letter on XX/XX/XXXX and I thought it was fraud. Its a debt collector trying to collect a debt for another debt collector, that doesnt seem legal at all, for the original creditor XXXXXXXX XXXX XXXX. Now its on my credit report so i sent in the validation of debt letter yesterday by USPS with a tracking number : XXXX. 
They should receive it by Monday, XX/XX/XXXX. Im filing a complaint cause this practice doesnt seem legit. How can someone who does not own the debt have it placed on a persons credit report. And actually stated this in the letter. So if I did owe the debt how could i be sure it would be paid correctly or will i have to worry about another creditor trying to collect the debt.
Product: Checking or savings account

BBVA has assumed responsibility for accounts previously held by Simple ( Compass Bank XXXX. The accounts were supposed to be automatically transitioned and accessible through BBVA 's system on XX/XX/XXXX. A majority of customers attempting to access their accounts after the transition experienced technical difficulties when attempting to activate their new accounts per BBVA 's instruction. Since the issues started nearly three days ago, many people are still without access and BBVA has done very little to provide support or information. I have called the bank over thirty times in the past two days, spending over three total hours on hold. I have yet to reach a CSR. Many of my hold calls were abruptly ended when BBVA hung up the line. I have not received one official communication via phone or email from BBVA during this completely failed transition period. They are attempting to minimize the impact this is having but I have a great deal of funds currently in limbo because they are in a protected savings account not accessible via the ATM or paper checks. BBVA needs to address this issue immediately ; they have yet to show any interest in simply communicating with customers about the situation let alone taking action to resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent me a letter this past week stating they reviewed my account that I was disputing a late payment that was reporting on my credit report for XX/XX/XXXX. The letter states that they will fix it with the credit reporting agencys to update my credit reports and put this account as accounts that are satisfactory with no late payments. I wish to note I have 2 XXXX XXXX credit cards. I am disputing the account that was opened in XX/XX/XXXX with a {$500.00} credit limit not my other XXXX XXXX account. I received my XXXX  credit report today and the 30 day late payment is still reporting it was supposed to be removed according to the letter from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve my problems with EQUIFAX but they continue to retaliate against me for REPORTING them to the CFPB. 
I informed them that there were irrelevant items on my report and that I was in the process of filing litigation because they refused to fix the errors.After informing EQUIFAX about it they immediately increased my score by the 36 points that they had decreased in response to being awarded a XXXX increase on my credit card for maintaining good payments. 
Since then I have informed them of additional items that were on my report that had been removed in XXXX by XXXX XXXX, acredit repair company.I just found out that EQUIFAX did not remove them. 
I disputed the ancient and irrelevant accounts. One of the accounts was removed on the XXXX XX/XX/XXXX. 
That account, named XXXX was transfered to XXXX  on XXXX XX/XX/XXXX for unknown reasons. XXXX then immediately decreased my credit score by 36 points as a result. Seemingly the same 36 points that were TAMPERED WITH by EQUIFAX. 
It's obvious that there is tampering and malicious interference in my credit reporting of my score. I have no choice but to begin a lawsuit that will include XXXX. They are sabotaging my accounts because of my continuous reporting to the CFPB out of sheer retaliation. I have consistently reported infactions related to my account and in return receive improper treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion for months was billing me for a service they had blocked me from about 2 years ago. After filling a complaint with cfpb the finaly coincided and canceled service and was suspose to refund my prior billing charges. Its XX/XX/XXXX, no refund has been received from Transunion at current date. In previous complaint they sent the following reply below. 

Transunion, We have reviewed your complaint along with the information you previously provided regarding this issue. According to our records, on XX/XX/XXXX you enrolled into a service provided by TransUnion. With this service, you were billed {$14.00} per month from XX/XX/XXXX through XX/XX/XXXX. Per your request, we have cancelled the auto-renewal of the service. As you have already been billed for this month, the service will still be accessible until XX/XX/XXXX. We regret any misunderstanding that may have occurred. We have issued you a courtesy refund in the amount of {$290.00} back to your credit card for charges incurred from XX/XX/XXXX through XX/XX/XXXX. Refunds generally take three to five business days, but may take up to 30 days depending on your banks policies. If you have any additional questions, please do not hesitate to call our Customer Service call center toll-free at ( XXXX ) XXXX, XXXX, XXXX XXXX - XXXX XXXX ET or Saturday-Sunday, XXXX AM - XXXX PM ET. For more information please visit our Frequently Asked Questions page at www.transunion.com/consumerfaqs.
Product: Mortgage

On XX/XX/XXXX, My husband and I called M & T Bank advising to inquire about options for families impacted by covid. The first representative very blatantly lied when we asked her what Covid options were available. The representative rudely told us that there were no options available for us. I checked the mail and received a notice from M & T Bank. I called back immediately on the same day. ( XX/XX/30 ). I told the young lady that we'd called early and the person on the phone told me that no COVID options were available for me. The new representative apologized and stated that she found no options. We asked the new rep what options were available, and she stated that Covid options had ended earlier in the month. ( XX/XX/XXXX, I believe ). We went through a financial interview so they could provide us with a package to see what options were available to us. It was a detailed interview as she inquired about several of my credit accounts. She offered no such COVID options. When we called today to make a payment, we were informed that we could only make a payment for two months and that they could only take the two months if we could tell them when they'd receive the 3rd payment. We went through a series of questions. The young lady today mentioned to us that we had covid options available. 

While I can not be sure, this feels like XXXXXXXX XXXX. We do not have a recent history of non-payment and did not take any concessions during the height of the pandemic. The first two reps discounted what we told them. The 3rd representative attempted to counsel us through a process for repayment despite us telling her we were not unemployed ; we'd just experienced a bout with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent information to remove accounts on my report and they were unverified
Product: Debt collection

these people keep claiming that i opened an account with them I NEVER opened an account i never signed anything anyone can sign my name to look like forgery again its fraud and there still refusing to remove this account at this time i filed a police report as my attorney stated and im giving you guys once final opportunity to delete this account from my name before i file a lawsuit against your bank XXXX XXXX XXXX and call for a national boycott of the XXXX XXXX XXXX XXXX XXXX against your bank and there willing to do that there email is XXXX and go public on XXXX  im sick and tired of your XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so these matter can be handled swiftly. 
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: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT NAMES : 1. XXXX XXXX XXXX 2. XXXX XXXX 3.  XXXX XXXX XXXX XXXX FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX 2. XXXX XXXX XXXX XXXX, XXXX XXXX FL. XXXX 3. XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 5. XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX FRAUDULENT PHONE NUMBERS : 1.XXXX 2. XXXX 3. XXXX 4.  XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX 9. XXXX 10. XXXX 11. XXXX 12. XXXX 13. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX