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

On XX/XX/XXXX, I attempted using my debit card to buy coffee at XXXX XXXXXXXX XXXX when my card declined. I went to attempt to login to my account to see what was up and immediately got an error logging in advising me to contact the fraud department as my account may have been compromised. I contacted the fraud department and was told my account would be closed and I would not be given a reason as to why it was closed. I was upset and attempted to plead with customer service to keep my account as I am a XXXX and the transactions on my account were valid and there had been no suspicious activity. The account in fact had a daily average of XXXX in there at all times. I was confused and went to multiple branches provided all my identity documents and employment information along with the checks deposited just to make sure that from my end everything was normal but the bank refused to change their stance of keeping my account open and had informed me I can not ever open a Chase account. I informed them that such a drastic response at least warranted a reason for this happening and I was declined that. I did not want to accept this fate but I had no choice so I had asked them to give me my funds. I was instructed that I can not withdraw the funds as the account is under review for closure. This is after they instructed me it is closed. I was told I can not take my money and go elsewhere until that review is completed which can take until XX/XX/XXXX. I am a XXXX  who has to pay rent and find it not only unacceptable that I can not withdraw my funds after my account was closed and I can not be provided a valid reason as to why this is happening to me. I understand the security measures the bank has to take to ensure legit transactions but when a customer comes in to provide all the information needed & they still get the same disgusting resolution it is upsetting. I am not the only one confused at this as so have many branch bank employees that I have spoken with who attempted to help me as well but Chase has not only closed my account but held me hostage to receive my funds with rent being due at the end of the month. I am incredibly frustrated and have attempted to cold contact as many bank executives with Chase but to no avail.
Product: Debt collection

In 2013, I settled a Capital One account with XXXX XXXX, I accepted and paid their settlement offer. Since settlement, XXXX XXXX has removed their entry from all XXXX of my credit reports and is no longer reporting debt. Capital One has also removed their account from my XXXX report but failed to remove it from XXXX and XXXX and has failed to update the balance. I would like the following : 1. Explanation as to why Capital One removed XXXX of XXXX reports and not all. 
2. What collection agencies have been assigned to the account. 
3. Proof the debt is still owed, including information from the assigned debt collectors. 

If Capital One can not provide me with the above mentioned information I ask that they delete their final XXXX entries from XXXX and XXXX. The debt collector is assigned by Capital One, it is Capital One 's duty to report accurate information. The assigned debt collector has removed their reports from my credit report and Capital One has removed this account from XXXX, they should finish by removing the other XXXX reports.
Product: Credit card or prepaid card

Sears closed my account with out any notification to me prior to closing the account. 
A week before my card was due to expire, I called customer service and ordered a new card. 
They never mentioned the account was closed. 
The new card arrived after my account was closed with out my knowledge. 
When the new card arrived with the expired card date I called Sears Card Service. 
That is when I was told the account was closed. 
I had a very large amount of rewards points that disappeared when the account was closed. I demanded that they be returned. They quoted me that the request had to be made with in 60 days of the account closing. I was calling less than 1 week after the account was closed, well with in the 60 day period. 
I spent many hours on the phone between three different areas of the credit card company and also the rewards management company. 
They all stated they would follow up with the proper people necessary to restore my rewards points. They lied. That never happened. 
The rewards points have a cash value and I want them restored. 

Now I have another problem. 
I went in person to a Sears store to make my last payment. I now have no valid credit card but, I did have the bottom portion of my statement with my account information. 
I made a {$300.00} payment to the statement that was mailed to me 0n XX/XX/18. 
This week in the mail I received two statements.

One statement has a late charge and no payment shown. 
The other statement shows a {$0.00} balance with a {$300.00} credit. 

I am completely frustrated trying to deal with these people and need your help please. 
I have been trying very hard to restore my good credit rating. This company seems to be doing everything possible to help destroy my credit. 
They are also very dishonest as they promised that my rewards points would be restored. That never happened. No one ever bothered to follow up with my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

dear cfpb, i just got a response from XXXX stating that Account from XXXX is accurate and Verified...... i will attach my credit report and you tell me if its accurate or not?!? this is really annoying how they cant recognize the issue .... attached is their response and my credit report which i highlighted the errors between the 2 bureaus.. I DONT THINK THEY UNDERSTAND WHAT ACCURATE MEANS!!

well you guys are violating my rights you need to stop or i will sue ... what kind of company are you guys running here!! a XXXX XXXX XXXX can see the inaccuracies!

1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 


SIMPLE TO UNDERSTAND I DONT WHY YOU GUYS CAN'T!!
Product: Payday loan, title loan, personal loan, or advance loan

Illegal payday loan with unreasonable interest rates. 
Moreover, according to Section XXXX of the Georgia Code, any interstate financial corporations caught at payday lending operation in Georgia will be immediately punished for it and their license suspended. This includes any out-of-state lenders and online tribal lenders.
Product: Vehicle loan or lease

I had a loan opened up in XX/XX/XXXX with XXXX. A couple of months later Santander Consumer USA bought the XXXX company or loan. I made over 100 payments ( some not all the full amount but still made what I could ) on this account. I have spent my entire weekend computing the charges they charged me and the payments I made against THEIR copy of my payment history. They repossessed my vehicle in XXXX or XX/XX/XXXX. They charged off the account well before that while I was still trying to make payments and are still saying that I still owe them over {$4200.00} on the loan. They say that I was not paying off the loan because I kept accruing Interest fees DAILY when the front page of my original contract ( because Santander kept telling me THAT PAGE is ALL THEY had ) states that my loan was for {$15000.00} and that by the time all payments were made at 18 % as a YEARLY Rate, that my payments would amount to {$26000.00}. I made payments of WELL OVER {$26000.00} to their company. I know that they have had illegal allegations and lawsuits against them for this very thing. My husband and I are trying to buy a house and because Santander says that I still owe them over {$4000.00} when I have paid off every penny and then some of the original {$26000.00} loan I had with them, we are having trouble getting financed for our home. Santander has been asked MANY times by me to give me a FULL ACCOUNTING REPORT of my Account and they REFUSE to do so. They also REFUSE to give me a copy of the ORIGINAL LOAN PAPERWORK. They told me many times before repossessing my van ( which I finally just let them have voluntarily ) that I was accruing interest daily but would never give me a copy of my original contract to prove that to me. Most of the payments that I made to them they never even split up between Principal and Interest, they credited the whole payment to INTEREST and then they added fees that I don't even know what some of them were for. I do know a few were for the couple of times that they repossessed my vehicle because I got behind in the payment. They continually call my phone with an automated message to call their " servicing department '' when they took my van over TWO YEARS ago. They sold the vehicle for over {$2500.00} at auction. My payment history that I was able to get from their site before they took my vehicle shows a balance of {$2300.00} but they are still reporting to all CRA 's that I owe over {$4000.00}. Which the amount should have covered the balance due on the account. I have tried to work with this company but I know that they have a lot of illegal practices and have read a lot of complaints about them from other consumers for the very same thing on the internet. I can't find anyone else to help me get this taken off my credit or at least to have them fix it showing that I really do NOT owe them anything. This is why I am reporting them to the CFPB.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX  Account number : XXXX Account name : XXXX XXXX  XXXX Account number : XXXX Inquiries : XXXX XXXX XX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfrauXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage / Real Estate account is reporting incorrectly as closed. Should be Current / Paid, on time, with a balance of {$190000.00}. Attached is XXXX  the creditor 's response to the Consumer Financial Protection Bureau, and North Carolina State Attorney 's General Office, stating that it's been reported to the three major credit bureau 's. Yet, this information has not yet been updated on my personal credit report, for over 90 days now this information has been incorrect, disputed, and still not reporting correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having tons of problems with the spelling of my name on my credit file. My Birth name is XXXX XXXX XXXX My SS XXXX My DOB XXXX. Please delete any other names, DOB or SS variations of my personal information they are not mine. I am in need of a new report with the following addresses deleted that do not belong to me. Please delete the following : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX LA XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX OH XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2013 I obtained a cashiers check using {$23000.00} from checking and {$160000.00} from savings. I was assured there was no expiration date. However I was never told about escheating. I realized I needed more funds in my checking so I returned to bank and had {$3000.00} put back in checking and was given another cashiers check for {$160000.00} on XXXX XXXX and was again assured there was no expiration date. Last week on XXXX XXXX I went back and told them I want this cashiers check put back in my savings acct. I was then offered a private clients account ( which at the time I did not know is not federally funded and based in Texas ) Banker had me type last 4 digits of my SSN in her computer or this private client account.She then left with my check several times and was given a number by another employee. Check was run through and she left again with my check. She then went back to her computer and said my check is unclaimed property in Ohio and told me to go home and see if my name came up.I could not find my name in Ohio or Ca where I live.I went back to bank and was told it is Texas. I later found out  the clients acct is in Texas. I also got a case # by phone from Ohio and also the name she was e-mailing to the person in bank which was the same name I was in contact with. I was told another employee was waiting for the e-mail. I was told they would call me back. I never received any calls and my calls have not been returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I submitted an Identity Theft report to the FTIC and later on mailed in to Equifax regarding some fraudulent accounts reporting on my credit. It submitted an updated report in XXXX of XXXX and they have yet to update my credit report to reflect accurate information. Both fraud reports have been attached below. They are illegally reporting inaccurate information and are violating my FCRA Right act. My next step is to take legal action if reporting information is not updatetd accordingly.
Product: Mortgage

FIRST YOU SHOULD KNOW THAT I AM XXXX FOR LIFE, XXXX with all the extra doctor bills, I fell behind on mtg pmt and applied for loss mitigation with Dovenmuehle mtg to have them help me in modifying the terms/pmt amt/interest rate or how ever they can help. THE FIRST PACKET WAS CLOSED because of the required info requested was not received. When indeed I sent the INFORMATION REQUESTED upteen times and I have all the saved sent emails w/attachments ( unfortunately, I cant attach emails ). It got so BAD that I got XXXX XXXX XXXX XXXX XXXX XXXX to assist with the paperwork because I sent everything in. They agreed and I filled out there packet and they refused to look at it and closed the case for help. Consequently, XXXX put a ESCALATED FILE STRAIGHT TO XXXX. So they reopened a new file after being contacted by XXXX ON XXXX I received that letter and I had NO FURTHER CONTACT FROM THEM ( letter recieved states THEY WILL INFORM ME IF COMPLETE/INCOMPLETE ), UNTIL I CALLED THEM ON XXXX see whats going on because I WAS BEING HARASSED BY SERVICER FOR PAYMENT EVERY 2-4 DAYs, which started even before pmt grace period over, because after 30 days of no info, this case would have been closed. I am ALSO FILING A COMPLAINT AGAINST the servicer of Arizona XXXX XXXX. for HARASSMENT FOR THEIR IMPROPER COLLECTION PRACTICES. The loss mit dept then told me they are missing information which I emailed to them. THEY STILL REFUSE TO DEAL WITH XXXX AT XXXX LIKE INSTRUCTED, her phone is XXXX. I even emailed a stern letter to Dovenmuehle Mtg loss mit dept asking what they are doing with all my emails and attachments. I have them all saved, luckily. 

IT BASICALLY LOOKS LIKE THEY WANT THE HOUSE/LAND BECAUSE I OWE $ XXXXAND IS WORTH {$110000.00}. THERE IS NO WAY FOR THEM TO LOOSE. 

My printer is broken, so I have to send backup paperwork thru a email address as an attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently asked credit bureau for investigation credit file and they claim it wasn't ever filed I have proof that I submitted certified mail I also got proof I sent numerous disputes for 2 month straight. I consulted a lawyer and this is my final step before I file a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Equifax several letters but I can not get them to fix their errors. Ive sent dispute letters about account errors and about my personal information they are incorrectly reporting but hey just keep verifying them. Im not really sure how they are verifying any of this information because Equifax is not even reporting my correct birth year. Equifax is reporting my birth year as XXXX but my year of birth is XXXX. I have tried numerous times to have them correct that information but they just keep verifying their information is correct? I only have one year of birth and I am pretty sure of what it is, in fact I have legal documents showing my year of birth, and I have also provided those legal documents to Equifax, multiple times. I have also reported a misspelled name Equifax has on my report as well as they are reporting numerous addresses that do not belong to me, but they continue to fail to remove those addresses. These addresses do not belong to me, are not correct and are not deliverable to me, therefor these addresses are not reportable as per the FCRA and need to be deleted. They are putting my information at risk, especially during a national pandemic when fraud had increased significantly. I am also confused how Equifax has verified the disputes I have sent when they can not even verify my correct personal information, as basic as my year of birth? Both XXXX XXXX XXXX Acct # XXXX and XXXX XXXX Account # XXXX have been reaged to appear as newer accounts, as recent as XXXX and XXXX of XXXX when these accounts are TWO and THREE years old, respectively. Both accounts are also reporting past due balances ( when a collection account is, by default, past due ) and reporting the past due balances are in violation. ( See Attachments ) I am really confused why Equifax is reporting these accounts in such error as if they are intentionally trying to damage my credit even more and preventing me from even getting credit by failing to report MY correct information? I feel my only option is to retain a lawyer, it seems reporting my basic information should be extremely simple, especially after I have provided them with the correct information.
Product: Checking or savings account

Hello I had a bank account with Wells Fargo a few years back and I had money taking out of my account. I was negative and they closed my account. They never attempted to help me and figure it out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit agencies with regards to several accounts that is reporting on my credit file that do not belong to me. These accounts are reporting as a result of identity theft. The following accounts below are reporting on the following credit agencies report.XXXX XXXX - XXXXXXXX XXXX XXXX - Experian and XXXXUnknown account - XXXX on XXXX
Product: Debt collection

Four times in the last 10 years, a debt collection agency has written/called to collect a debt of a person who, by marriage, had the same first and last name as me. Each of the XXXX previous agencies has ( after every excuse in the book ) finally left me alone. And then apparently sold off this issue to yet another agency. When & how do I get relief from this abuse? At no time has any of these agencies ever been able to establish that this debt is mine. But they have obtained my SSAN and lie to me, saying my SSAN was on this debt, threaten lawsuit and credit reporting, and say that since I can not prove that this debt is not mine, they will continue to attempt collection. Well guess what? If the debt is not mine, how could I possibly have any proof about the debt, one way or another?
Product: Credit reporting or other personal consumer reports

XXXXXXXX  was reported in my credit reportlatte payment in XXXX, XXXX and TransUnion .. this is a mistake because this account was pay off for XXXX XXXXXXXX to XXXX XXXX on XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint under my rights granted by the Fair Credit Reporting Act ( FCRA ) due to a data breach involving Experian, which has raised serious concerns about the accuracy and integrity of my credit report. Upon reviewing my report, I discovered student loan and charged-off account information, along with other account details that also contain inaccuracies or lack proper validity.

I exercised my right under the FCRA to dispute this information ; however, I was unsatisfied with the inadequacies of the dispute process. Despite my efforts, the investigation conducted was insufficient, and the inaccurate or unverified information remains on my report without proper validation. This failure to properly investigate and correct errors violates my rights under the FCRA, which mandates that credit bureaus ensure the maximum possible accuracy of consumer reports.

Given these concerns, I am formally requesting the immediate removal of the student loan and charged-off account information, as well as any other accounts containing inaccuracies or lacking verified original details from my credit report.

Please address this matter promptly in accordance with federal regulations. I expect a response confirming the corrective actions taken within the timeframe outlined by the FCRA.

Thank you for your immediate attention to this issue.