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

This bank needs to be investigated. I complained that when I deposited the initial amounts of over {$300000.00} they promised me to give me {$500.00} a bonus. The bonus was never given to me. They told me I didnt fulfill a direct deposit. This was never told me I was in the hospital. They told me they were going to put it in a high interest account. Opening up a private client account and giving me another {$2000.00} bonus They never did this when I found this out over a year later they said they would fix it. They dragged their feet. They didnt fix it And now when I took my money out retaliation, I asked them what I needed to keep the amount and they told me {$1500.00}. I did this and now they keep deducting {$12.00} every single month putting it below the XXXX causing another feed the next month this bank is misguiding and making life difficult for me. I tried to talk to the management. They didnt get back to me for months and then when they did, they just blew me off. They owe me money. At least the deposits that were in at 4 to 5 % current CD rate, they also keep charging the {$12.00} every month even though Im over XXXX
Product: Credit reporting or other personal consumer reports

Not able to dispute online. 
Can not access dispute center. 
Account login is blocked.
Product: Mortgage

paid off home equity line of credit on XX/XX/XXXX the company Specialized Loan Servicing still has not filed a lien release with XXXX XXXX in Pennsylvania. I have made several phone calls, emailed and they just have failed to follow thru and get the lien released filed with XXXX XXXX. I filed a complaint withXXXX CFPB on XX/XX/XXXX complaint # XXXX Specialized Loan Servicing has responded to that complaint and acknowledge that the loan was paid in full on XX/XX/XXXX. In their response they attached a copy of the Satisfaction of Mortgage that was dated XX/XX/XXXX. However as of Friday XX/XX/XXXX The Lien Release had not be received in XXXX XXXX Pa. In Specialized Loan Servicing letter dated XX/XX/XXXX they reference a number to call of XXXX XXXX XXXX XXXX when I called that number I was redirected to another number at Customer Care XXXX XXXX XXXX when I spoke to the Customer Care they could not assist me as they did not know why the Lien Release had not been filed with the XXXX XXXX Pa They told me to call back in 3 to 4 days. 
I have gotten nowhere with getting this company to file the Lien Release with XXXX XXXX Please help.
Product: Debt collection

Ad Astra claims i owe their client XXXX XXXX a {$310.00} for some kind of loan i never got.I filed a complaint against them here recently to which they said that they still believed the debt was mine and that they sent me some kind of proof, which of course I did n't get.They also said that if i really was a victim of identity theft to file a report with the FCRA and contact them and they will remove it.I did call them numerous times and sent them a copy of the report i filed with the FCR, report # XXXX but instead of removing this collection they keep reposting it to my CR 's!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Late XX/XX/2023 a bank ( XXXX ) called me to find out if I had applied for a credit card. I told them that I did not apply for a credit card. They told me that they would not approve the card and asked that I file a report with Identitytheft.org I filed a report with XXXX XXXX XXXX XXXX mobile account also alerted me that there were recent Hard Inquiries on my credit for credit cards or accounts that I didn't apply for. 
I also found out through my work that there was a breach with our personal information through an insurance company called XXXX XXXX XXXX last year and that we could get free credit report surveillance through a company called XXXX. 
I then filed an account with XXXX ( phone number is XXXX XXXX XXXX ). 
They asked that I freeze all of my accounts through XXXX, XXXX, and XXXX. I went ahead a did that. 

When I called XXXX to request that the hard inquiries are removed from my credit report, they asked that I file fraud with either my police department or with FTC.gov. 

When I went to the FTC.gov website, it brought me to this website to make my report. 

I would like to have the following hard inquiries removed from my credit report as XXXX are fraudulent : XXXX ( Don't know what bank this is ) XX/XX/2023 ( Shows up on my XXXX XXXX account ) XXXX XXXX, XXXX XX/XX/2023 ( XXXX doesn't have this listed but it shows up on my XXXX XXXX account ) JPMCB Card service XX/XX/2023 ( XXXX has the date listed as XX/XX/2023 JPMCB Card services XX/XX/2023 XXXX XXXX Bank XXXX XX/XX/2023 XXXX
Product: Debt collection

On XX/XX/ XXXX a collection was added to my credit report in the amt of {$330.00} with a collection agency EOS CA, which dropped my score 100 points. On XXXX XXXX, XXXX, I reached out to the company to see if I owe a debt and what company is saying that I do. Both representatives could not verify an account with me providing my full name and social security number. The last representative XXXX XXXX. ( she could only provide me with the last name initial ) is the individual who stated there was no account in their office.
Product: Checking or savings account

capital one XXXX XXXX XXXX XXXX Ca Was closed for stealing my 1099 from my mailing address and the terroristic attack of XXXX from my bank account. They are complicit in multiple crimes all including corrupted local law enforcement ( staged looting and riots ). 

This was a crime prior to the onw the COMMITTED here in my other complaint
Product: Credit reporting or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I took out a personal loan with XXXX XXXX XXXX to build my credit. All payments from this loan were made on time. At the time of the loan, I selected the insurance that if my job was lost, payments would be made. Sometime later, I increased the amount of the loan in XXXX, KY. Again, I checked the box for insurance that if I lost my job, payments would be made. All payments were made in a timely manner. In XXXX of 2015, I was laid off. XXXX was notified and I requested that the insurance that I had taken with the loan and paid additional for, to make payments since I had lost my job, be implemented. I heard nothing from XXXX until an amount was reported on my credit report. I have disputed this many times with the credit bureaus but again receive " complies with FCRA '' within a day or so. There isn't anyway that a thorough investigation could be done. Contracts were signed and XXXX should have them on file or they were sold to another company. I may owe a portion of this debt but that would have to be determined from the contract and the insurance that was on the contract. LVNV Funding is reporting XXXX due which is an incorrect amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that FRAUDULENT inquiries that had been made on XX/XX/XXXXand on XX/XX/XXXX are still being reported on my credit report. I contacted XXXX XXXX BANK, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX BANK, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX BANKs ( XX/XX/XXXX and 1XX/XX/XXXX ) inquiry on my credit report to determine who authorized these hard inquiries. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiries. ( Do not send me anything via US mail. ) Please note that although the inquiries shown on my credit report are a factual record of the company who accessed and reviewed my profile and although they are only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiries referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with these FRAUDULENT hard inquiries. Thank you for your assistance in this matter. Very Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I attempted to transfer money from my checking account to my Kikoff and noticed that I was logged out. I attempted to login but received an error code that the service connection could not be established. I went to the Kikoff website online to try to log in that way and an error code appeared instead. I have contacted the companies customer service for their card services numerous times and was told that they were escalating a ticket. I have asked for manager after manager to try and get this issue resolved because they do not have a telephone number for their credit repair services you have to rely on an email and the app. I have sent numerous email and received some replys advising me that someone was working on it and they would update me soon. It has been XXXX days since I have been unable to log into the app of a company that has ALL of my personal information. This is a very uncomfortable situation to be in especially when you cant do anything about it.
Product: Debt collection

I received a collection of {$100.00} I on XX/XX/year>. I believe this amount is incorrect which is why i never paid it back
Product: Credit reporting or other personal consumer reports

writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  decline to correct their reports ... I have contacted the creditor, and I was told that they actually informed Experian and XXXX  of the inaccurate info ; yet they both will not remove the negative account ... and the creditor said Experian and XXXX  only recently contacted them ... However, I have disputed this account 3 or 4 times ... my rights and F.C.R.A. law is being violated ... Neither one of them will give me a document or name of so-called verifier of data, because he or she does not exist ... Yet XXXX  has removed the account ...

Experian Date Submitted XX/XX/2018 Report Number XXXX Account Number XXXX  Company XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had noticed something strange in my credit report ( year of XXXX ) once I made this bad discovery, I quickly called the two banks ( XXXX XXXX XXXX XXXX XXXX XXXX  ) to tell them that I had not applied for their credit cards, it was then that they told me yes I had applied, the cards had already been delivered, I quickly asked them to block the cards and I quickly informed the police of this situation .... once I got the police report I sent it to the two banks asking them to remove this information from my credit report, especially XXXX XXXXXXXX refused and reports until now periodically to the credit bureaus, however, I am not aware of these credit cards, I had not applied or used these cards, what's worse, I don't even know the card numbers. 
And now the amount is up to XXXXXXXX XXXX and XXXX one insist that i should pay it while i dont have no idea about it!
Product: Debt collection

Name XXXX XXXX Date of birth XX/XX/scrub>XXXX  Social Security Number XXXX  This debt is not my debt to be owed. Never got a notice on this debt or an explanation. Im trying to avoid going to court. But if I have to I will most certainly open a court date against these false amount and false debt. I have good credit. I would go above and beyond to make sure this false debt collection is removed.
Product: Credit reporting or other personal consumer reports

on XX/XX/2025 i received a notification about a credit card inquiry on my credit from capital one, i have not requested any credit card at all from them or anybody, this was not me and its wrong the inquiry was CAPITAL ONE BANK USA NA XXXX CAPITAL ONE XXXX XXXX VA XXXX
Product: Credit reporting

Equifax is still reporting a loan default, that 's over 7-years old on my credit report. They are the only credit reporting agency, that 's keeps on Reporting. This has affected me on purchasing a loan for my lending company, i was denied. XXXX & XXXX did their investigation and deleted it from my credit report already. This has been going on over 4- months. That 's the reason this investigation. Thank you!
Product: Debt collection

Deed for my property XXXX XXXX XXXX, XXXX, VA XXXX ( property ID XXXX ) received on XXXXXXXXX ( XXXX XXXX XXXX Equal Housing Lender NMLS ID XXXX Home Lending Officer-XXXX Virginia. XXXX, VA US effective XXXX. No escrow/financing is available for XXXX XXXX XXXX ). Deed for ownership of The Estate at XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX ( property ID XXXX ) Deed for price points earned with XXXX ( Product Development ) through XXXX. I have decided to use the third-party clearing agency, XXXX XXXX due to life insurance policies being used as collateral by XXXX XXXX XXXX. I would like to issue a lien for her estate in XXXX, VA until a payment is made. I would like to report an {$300.00} penalty for unauthorized use of deed. This document is for official business use only. I would like to associate the IRS link from XXXXXXXXX with this document ( https : //www.irs.gov/XXXX ). This link also traces to the First Quarter Income for XXXX dated XXXXXXXXX in the amount of {$200.00} XXXX. My mortgage with XXXX XXXX has been overmodified. The reconciliations have been made. Please reference the IRS judgments issued on SEC report XXXX dated XXXXXXXX and the attached document of VHDA penalties for XXXX XXXX. I would like to adjust the judgments for XXXX XXXX, XXXX XXXX, and XXXX XXXX. All three parties will be responsible for a judgment in the amount of {$83000.00} that totals {$250000.00} for life securities fraud. Each party will be responsible for a yearly payment of {$2300.00} for the next three years. The payments are to be made monthly in the amount of {$190.00}. XXXX XXXX 's total judgment is a {$XXXX} XXXX payment for the next three years. She is responsible for a yearly payment of {$500000.00} for the next two years. Payments are to be made monthly in the amount of {$41000.00}. XXXX XXXX is responsible for quarterly payments in the amount of {$560000.00} to XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX and XXXX XXXX ) until the {$XXXX} XXXX balance is paid in full. All other judgments are as imposed. A quarterly audit will be imposed on XXXXXXXXX. There should be a discharge for all properties effective XXXXXXXX. There should be no lien on my properties. Insurance for all properties and entities are covered through XXXX XXXX. An amount of {$34000.00} should be left after closing costs that were computed and sent to the FDIC yesterday upon appraisal of my property XXXX XXXX XXXX, XXXX, VA XXXX.
Product: Debt collection

Disputed debt on credit report asked for validation with my signature, and they have start legal action against me. So in turn i have started a class action against them. Debt buyer Midland Credit Management, Inc
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it May concern : After recently reviewing my credit report I noticed several inconsistencies regarding the account ( XXXX XXXX XXXX XXXX -- -- XXXX ) in the ( BALNCE ) & ( PAYMENT STATUS ) section. XXXX  is reporting a balance of {$22000.00} with a current payment status, Experian is reporting a balance of {$22000.00} with a current payment status and XXXX  is reporting a balance of {$22.00}, XXXX with a current payment status now all three of these balances cant be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different. The balances listed on all 3 reporting agencies is the current balance on my account either. My current balance is {$21.00}, XXXX. It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE the erroneous item immediately Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried reporting this information to credit bureaus that the information is incorrect and there should be no collections or balance. Please update and remove from my account! 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been trying to get a loan modification on an FHA loan for over 2years. I was unemployed and now working XXXX jobs and my father has committed to assisting me with paying my monthly bills. Bank of America has refused to assist in making my monthly payments affordable, continuously request the same documents, change contact representatives, refuse to provide documents related to the loan, account and other information, and failed to review the most recent application and requested that I resubmit. I believe I am a victim and the bank is guilty of improper handling of my account and it is more of a financial incentive for them to foreclose at this time versus modifying the account and allowing me to remain in the home and make an affordable payment. I have done everything I know to do asked what income will allow me to stay in the home to get additional income and they have refused. I was told by a representative to " make sure I have a plan B ''. 
I would appreciate any help as it relates to this matter.
Product: Credit card

We opened a secured credit line with Wells Fargo for our business for {$2000.00}. After a year, they declined to move it off a secured line. We chose to close the card because there 's no point in keeping a secured line if they refuse to graduate it to unsecured, it 's just a debit card with cash you ca n't withdraw at that point. On closing it, we were offered the choice between depositing the cash into our business checking, or having a cashier 's check mailed. We chose to have it deposited to our checking account and were told it would take 7-10 business days. 11 business days later, we still do n't have our money. I returned to the branch and the same reps that closed it tell me their credit team put it in to be mailed to us as a cashiers check, and that it will take 30-45 calendar days. They offered no reasoning for why they switched methods, and no restitution for the fact that we will now be going up to an extra 21 days without our money.
Product: Credit reporting

after research and tracking down information discovered the credit bureaus and companies have reported false accounts that are a result of identity theft on my credit report i am including copies of my credit report passport ss card and police report with the fraudulent accounts that are reporting and need to be removed
Product: Debt collection

RADIUS GLOBAL SOLUTIONS is reporting a false debt on my XXXX  credit report on behalf of XXXX XXXX. I have health insurance through XXXX ( XXXX XXXX XXXX XXXX XXXX ) via my employer. At the time of service on XX/XX/XXXX I paid my co-pay and had no other financial obligations due. After a few months passed by RADIUS GLOBAL SOLUTIONS reported a debt of {$370.00} to my credit reports. I never received the right to dispute this debt upon it being entered onto my credit reports which has affected my credit worthiness and brought down my XXXX scores drastically since it's initial entry around XX/XX/XXXX I believe. I called my insurance company to figure out why this company is stating that I owe such debts, I was reassured that the original creditor XXXX XXXX entered the wrong codes which is the result of a billing error. I am requesting that this debt be removed from my credit report because I do not owe XXXX XXXX nor RADIUS GLOBAL SOLUTIONS. I have attached proof for your review.
Product: Checking or savings account

I recently opened a Citi Bank High Yield Savings account. At the time of opening the account is was disclosed to me that I could transfer funds out of the account 6 times per statement period. ( this was a government rule ) When I finally tried to transfer funds out of this account, I found out that I was limited to a maximum transfer of {$10000.00} per day. And the transfer maximum was also limited to {$10000.00} per week. Therefore, I was only allowed to transfer out {$10000.00} in a week 's time period. 

This transfer policy should have been disclosed to me when I opened my saving account. 
If I would have know this, I would not have opened this account. Citi is more than happy to take my money, but acts entitled to hold onto my money. I feel deceived and I am harmed by this lack of disclosure.
Product: Credit reporting or other personal consumer reports

I am disputing an account listed on my credit report that I believe is fraudulent and does not belong to me. 

- **Account Number : ** XXXX - **Status : ** Negative - **Original Creditor : ** XXXX - **Creditor Type : ** Collection services - **High Balance : ** {$5600.00} - **Open Date : ** XX/XX/XXXX - **Last Reported Date : ** XX/XX/XXXX On XX/XX/XXXX, I discovered this account on my credit report. I have no knowledge of any debt owed to XXXX and have never entered into any contract with the debt collector associated with this account. I believe this account has been incorrectly or fraudulently reported under my name.