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

Ok so i have a cash app account and XXXX XXXX XXXX is XXXX XXXX company they rent scooters here in XXXX XXXX California where I'm currently living they have been trying to take {$6.00} cents out of my account almost for a year they were successful three times on taking {$6.00} out of my account on three separate occasions and I called Cash app and said I've never ridden their scooters I've never used their services or their products don't let them take any more money out of my account I put a block on them and I've been trying to get this {$6.00} * 3 refunded back to me from cash app and they just refused to do so and I don't know why and I can't get them to fix this problem. Again I've never used lime scooters I've never rented one of their scooters and the XXXX is like a monthly recurring fee if you become a member of their whatever but I've never done that so I don't even know how they got my card number cash app has put a block on them so they understand that it's a fraudulent charge yet they refuse to refund me the XXXX times that they charged me {$6.00} which makes no sense to me I've tried everything I've got lots of correspondence between me and cash app and they just seem to be running me in a circle. This started back in XXXX of XXXX  and I've been trying to get the money back ever since. Again the XXXXXXXX XXXX XXXX who shows up on cash app as XXXX XXXX XXXX .... XXXX, novemeber XXXX  and XX/XX/2022. And on a side note if you XXXX XXXX restore balance you'll find thousands I mean thousands of people who are experiencing the same problem as me with them just fraudulently taking money out of their bank accounts everything it's unbelievable that these people aren't being held to some criminal charges
Product: Credit reporting or other personal consumer reports

I received an alert that a 3rd party agency reported a balance to my report on XX/XX/. They stated that it was opened on XX/XX/. I have not opened an account with this company.
Product: Checking or savings account

I have an existing checking account with Chase which is used to pay my mortgage with XXXX XXXX. XXXX XXXX has a checking account to receive the funds from Chase to pay my mortgage.

Now Chase is transferring all XXXX accounts to Chase, my checking and mortgage accounts are still sitting with XXXX. I have no access to the XXXX to either do transfer or to use the mobile deposit to transfer. I have spent 2 hours with Chase, got dropped 5 times, and 6 transfers with no results. 

My accounts with XXXX are still there.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

my vehicle was repossessed. 

but no right to cure letter was made. 

I checked my mail everyday after I recovered from a medical issue with XXXX XXXX recurring. 

their was no letter from the company office title max for right to cure.

I went into the website to do a payment and I was told that the only payment to make is in cash only. 

the option to use check or debit card is blocked. 

this option is not blockable I believe
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was in email contact with XXXX XXXX at XXXX XXXX XXXX   (XXXX & XXXX) in regard to financing a used vehicle through that dealership.  After discussing financing options, I informed XXXX  by email on XX/XX/XXXX that we decided against purchasing through XXXX XXXX XXXX XXXX. In XX/XX/XXXX, after receiving multiple credit denials from multiple finance companies for both my husband & I that we did not authorize, I check our credit reports, and learned that on XX/XX/XXXX multiple inquiries were made to our credit report on behalf of XXXX XXXX XXXX XXXX.  My husband contacted XXXX XXXX XXXX finance dept & informed them of these unauthorized inquiries & he was told (did not get persons name) that they would take care of it. On XX/XX/XXXX, we received yet another credit denial letter for both my husband & I.  This time it was from XXXX XXXX on behalf of XXXX XXXX XXXX.  So I again, checked our credit reports to find another unauthorized credit inquiry on XX/XX/XXXX
Product: Credit card

I have credit monitoring from various services since my identity was stolen someone tried opening a credit card under my name with JPMC. I contacted JPMC of the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

opened online XXXX account was approved for checking account as long as i went into a local branch and made cash opening deposit. THAT NEVER HAPPENED BECAUSE MY EMPLOYER had used a pay card for our checks and i continued to use pay card. well they were wrongfully charging a monthly fee for this account when i had not deposited initial required deposit or made any kind of withdrawl etc. never used it and now it is stoping me from opening a bank account becayse its comming up owing them hundreds of dollars on XXXX report
Product: Bank account or service

This complaint is about a checking account in Suntrust bank ... ... On XXXX/XXXX/2017 I deposited a personal check from my brother in law for the amount of {$1200.00}. 
{$510.00} of that money was available in my account on Tue XXXX/XXXX/2017 morning. So I registered my car in the state ( I just moved from another state ) paid {$250.00}, paid my water bill {$65.00}, made a purchase of {$31.00}, so when I went to check the balance in my checking account around XXXX because I was in the process of insuring my vehicle, my account was overdrawn for {$370.00}. The bank put a hold on the {$1200.00} deposit until XXXX/XXXX/2017 I 've called numerous of times I even went to talk to XXXX, GA XXXX. branch manager an no one can do anything. The check I deposited already cleared my brother in law 's account, he gave me the name and phone number from a representative of XXXX Bank ( bank where the check is drawn from ) so a representative can call her so she can corroborate the funds were already cleared. I 've tried to have someone from Suntrust call XXXX and my message never gets forwarded. All I get is " your deposit is being held and it will be available on XXXX/XXXX/2017 '' it looks like the bank refuses to help. Oh before I forget I do not have a dime on me.
Product: Mortgage

In the month of XXXX my husband and I were sick with XXXX  and were unable to work due to covid isolation and symptoms x 14 days each for a total of 28 days in the month. My mother had a XXXX  XXXX causing XXXX  which also required out of state travel and was unpaid work leave x 3 months. Our in laws had their house burn down. My husband lost his job. We provided proof of all of these events and paid our Mortgage XXXX  days late. Freedom mortgage applied a late payment despite our requests for them not to with proof of hardship. Our credit scores dropped by over XXXX points despite our repeat attempts to work with their resolution department without this removed from our credit reports.
Product: Credit card

I requested XXXX benefits to be applied to my account. I am XXXX in XXXX. I included the statutes from Louisiana, XXXX XXXX, and proof of XXXX XXXX status. And was denied benefits adjustments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The below listed accounts are in violation of my federally protected rights and privacy under 15 USC 1681 XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) ( XXXX ) XXXX ( XXXX ) XXXX XXXX  XXXX  ( Original Creditor : 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 5 USC 1681, section 604 A Section 2 : also states, a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime, which add a date to the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is in accurate.
Product: Credit reporting or other personal consumer reports

I filed complaint last time, about my Credit file items to remove. However, after reviewing my credit file, the accounts and inquiries I listed in my letter last time, still reported on my credit report. There is no investigations made for my file. 


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 Equifax 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: Payday loan, title loan, or personal loan

I borrowed {$300.00} from CheckSmart in late XX/XX/2019. I made a payment of {$100.00} om XX/XX/2019. I receive a monthly pension. When I went to pay off the balance, I was informed I still owed {$310.00} to get rid of the loan. The other option they were trying to get me to agree with, was to sign a contract to pay {$57.00} for 12 months. Then at the end of 12 months pay {$370.00} in one lump payment. Facing further entrapment if I failed to pay off the loan in full, I chose to sacrifice, and get it over with. I thought the new guidelines were written to help consumers get out of the payday advance trap by making sure payments went toward the actual balance. Instead, Checksmart is  defiant, and making matters worse for consumers. It's an insult, the way they take advantage of people who aren't good at math or don't have the option of paying the whole balance then and there. Wasn't the new rules supposed to start in XX/XX/2019? It seems like part of the {$100.00} I paid at the beginning of XXXX, should have gone toward the balance since the new regulations were supposed to have gone into effect then, or do I have it wrong?
Product: Mortgage

I was transferred to Roundpoint at the beginning of the new year without my knowledge. I was unable to obtain any information about the new account, who my account manager was or even how to pay once I found out in XXXX 

They immediately put me into pre-forclosure after repeated attempts at remediation/repayment and assistance. 

I am now having a mental leave of absence from my job and this is partially responsible for my stress and anguish.

I finally got a 'payment ' plan which is {$1000.00} more than my normal mortgage I am expected to pay even with limited income. They are reporting me as delinquent and I an unable to get any assistance from Roundpoint or any creditors due to this. 

Phone calls to the company end up with them constantly talking over me, telling me it's my fault and they don't want to do anything. I can not speak to management or get a call back. 

Do all companies have this broken model?
Product: Credit card

Equifax is reporting wrong information on my credit report as they are saying I was late but I was never late!
Product: Debt collection

I got a phone call from Procollect Inc in XXXX XXXX about a debt that I did not know. This debt is based on the leasing contract of the apartment that I have never lived. I thought it was scam and ignore it. But I got a mail from this company in XXXX XXXX. After checking my credit record, I found that it was appeared in my credit record in XXXX XXXX. 

I requested Procollect Inc to send the proof showing I owed this debt in XXXX XXXX. They sent a leasing contract between DTN management and the person who had a similar first name and same last name, and went to the same University to me. However, that person is a clearly different person from me based on the full name, gender, passport number, and student ID and degree based on the record in the contract. 

I sent a letter stating that I am not the person who owes that certain debt with a proof ( a copy of my passport ) in XXXX XXXX via certified mail. However, Procollect did not respond after that. 

Now I find that the name of the person who made the contract with XXXX was added to my credit record as XXXX of my names and this debt is still in my credit record ( as in XXXX XXXX ). My credit scores have been dramatically decreased since they called me.
Product: Credit reporting

I have initiated XXXX total disputes with Equifax over the last year to contest a debt that I never signed for and want removed from my credit report. XXXX XXXX is the debt collector that I contacted to get this handled. They responded with a " lease agreement '' that has no signature anywhere on it. I 've sent XXXX XXXX XXXX letters referencing violations under the FDCPA and FCRA. 

After further investigation, I went through the FEDERAL MANDATES and noticed several violations against Equifax 1. Equifax did not complete a proper investigation with the collection agency. 
2. I requested Procedure on how Equifax verified the account. They never responded [ 15 U.S.C 168I ] 3. Equifax has taken more then 50 days to respond on every letter I sent. 

Attached is the evidence I have compiled against Equifax , I have exhausted all efforts to get this corrected on my own to no avail. 

Please help me take action agianst this incompetent company, It 's unbelievable that the government still allow Equifax to do business in America. Thank you CFPB for being a voice for the consumer. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Account # : XXXX I'm writing to bring to your attention a troubling issue involving XXXX XXXX and the major credit bureaus TransUnion XXXX XXXX XXXX and XXXX. It's regarding some inaccurate and unverified charge-off information that's hanging around on my credit report like an unwelcome guest. 

Despite my best efforts, this charge-off account hasn't been adequately backed up with any solid documentation, despite my repeated requests and disputes. According to the Consumer Financial Protection Act ( CFPA ) [ 12 U.S.C. 5511 et seq. ] and the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], XXXX XXXX and the credit bureaus are obliged to play by the rules. This includes ensuring that any disputed information on my credit report is thoroughly investigated and supported by proper documentation. 

But here 's the kicker every time I've asked for some proof or documentation to back up this charge-off, I've come up empty-handed. And the responses from TransUnion, XXXX, and XXXX? They've been pretty vague, just saying the info is " verified, '' without showing me any proof. 

This lack of documentation is more than just frustrating ; it's a clear violation of my rights under the FCRA and CFPA. As a consumer, I have the right to accurate and verifiable information on my credit report. The fact that there's no evidence to back up this charge-off raises serious doubts about its accuracy. 

So, I'm asking no, I'm demanding that this unverified charge-off be taken off my credit report with TransUnion, XXXX, and XXXX immediately, in accordance with the FCRA and CFPA. If XXXX XXXX and the credit bureaus don't comply, I'll have no choice but to explore all available legal options to seek redress for the damage this has caused. 

I'm counting on you to help me out here. Let 's get this sorted and put this whole mess behind us. 

Thank you for your prompt attention to this matter. I eagerly await your response and the resolution of this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the incorrect information on my credit report for several months with XXXX, Equifax, and XXXX and I have not been able to get the errors on my credit report corrected. There are several erroneous accounts on my credit report from creditors that I have never had an account with and I want this information to be removed immediately. I have never had an account with XXXX XXXX for {$740.00}, XXXX XXXX XXXX XXXX for {$630.00}, XXXX XXXX XXXX XXXX for {$910.00}, XXXX XXXX {$680.00}, XXXX XXXX  {$1200.00}, XXXX XXXX XXXX {$740.00}, XXXX XXXX XXXX {$440.00}, XXXX  {$740.00}. Please remove the incorrect information from my credit profile as it is negatively impacting my scores.
Product: Checking or savings account

For the second time in a year, Bank of America has sent emails saying an account was requested and opened in my name. I do not and never will use Bank of America.
Product: Bank account or service

I checked my credit monitoring report via XXXX XXXX and saw that ALLY Financial had instituted a " hard inquiry '' for a national credit card/airlines on XXXX/XXXX/2015. I never authorized or applied to Ally Financial for a airlines credit card. I never gave them authorization to pull a hard inquiry on my credit. This is the first reporting of this inquiry from XXXX/XXXX/2015 on XXXX XXXX. I check my credit every week thru the XXXX site and I would have seen it earlier if it had been reported. I want this hard inquiry removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information from my profile. The items are from XXXX XXXX and they are listed in my credit report. These should not be reporting to my profile. I ask that the items be deleted immediately to correct my credit report. I reported the theft to the FTC and I have enclosed copies of the FTC XXXX. Please delete these items as soon as possible. 

After numerous attempts to mail these disputes to Experian and to provide the the necessary documentation to them they were still not able to comply accordingly. I have taken further action and asked the CFPB to monitor this. As of recently I mailed out a dispute to Experian on XX/XX/XXXX, to date they have not started on my dispute even though it was delivered. 

Best, XXXX XXXX
Product: Debt collection

About 1 year ago I started to get calls about a payday loan which I never took out. I have never taken a payday loan. Over the past year, Ive received no less than a dozen calls to which I responded this debt is not mine. About 1 month ago I got a call threatening legal action and offering quick settlement before having to go to court. I explained the debt did not belong to me and that Id see them in court. My wife received a call on XX/XX/XXXX and again on XX/XX/XXXX. attempting to locate me. My sister in law received a call XX/XX/XXXX attempting to locate me. I received a call XX/XX/XXXX. I did not take out this loan and want the calls to me and my family to stop. There is no identifying company calling and when I call back the voice mail is only a series of numbers. Online search of the phone number returns XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Approximately 10 days ago my wife received a letter from Chase Bank telling her she was declined for a credit card. It was her correct name - including middle initial - but the credit score they showed was not hers. I called Chase, gave them her SSN and info and they said they couldn't find anything with her info in their system. 

Last night I was checking my credit reports and found hard pulls by JPMCB CARD SERVICES. I called Chase this morning ( NOTE : If you do not have a CHASE account it's almost impossible to get a human there, let alone someone in fraud since all avenues of communication are blocked by " please enter your account number now '' prompts ). 

They DID locate a card application using my information. When pressed as to why they sent the letter to my wife he could provide no information or explanation. When asked why they did not contact me about the fraudulent application he could provide no explanation other than " we do contact via phone and email ''. I asked how he could do that when I didn't apply nor am I a customer he could give no explanation. 

Something isn't right at CHASE. They clearly processed a card application with my SSN and my wife 's name and address. That should be a red flag right away. Also where exactly did the low credit score on her rejection letter come from? Also the representative that I spoke to said he " cancelled the pending application '' - so what application was declined with my wife 's info? He also said they've received a lot of complaints about fraudulent apps for this card - so again, why was I not notified. If I hadn't checked my credit reports I would have never known about this. At best they are horribly sloppy with PII and customer data. At worst they simply don't care and are willing to deal with a certain amount of fraud. 

My concerns now are they have my data, my wife 's data ( and somehow have those mixed up ), and the 3 hard pulls on my credit reports. The rep said they would contact the credit bureaus to have those removed but could give no timelines.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX This account is reporting on my credit report to all XXXX credit bureau as Account charged off. {$22000.00}, written off. {$24000.00} past due as of XX/XX/year>. 

I have yet to receive a XXXX form which I have requested. I am concerned this is some fraud going on with this account. Due to the reporting on my credit? If not actually written off why is it reporting as so on my credit report that is in violation of the fair credit act.
Product: Credit card or prepaid card

Contacted CapitalOne and advised I needed to dispute a charge from XXXX for Case Number : XXXX AMZN Mktp XXXX billed on XX/XX/2023 for {$120.00}. After several attempts back and forth with capital one they continue to tell me to work it out with the merchant which I am unable to do. XXXX has closed that account and is not willing to assist in refunding the charge for the returned merchandise, proof of return and receipt that XXXX has merchandise back has been sent to capital one. Capital one has advised me XXXX has sent documentation to support the claim which capital one has not provided me. I have provided a written statement as well as proof of return to capital one and they continue to not assist in the matter. Capital one supervisor advised me via phone the first agent submitted the case with the incorrect reason code in which I was asked to write the written statement. Still I have no resolution.