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

XXXX XXXX XX/XX/19 Hi XXXX, Please refer to the message titled " Please Verify Your Account '' We no longer will be able to assist you in these additional threads. 

Thanks, Simple Support =================================== This is the latest response they sent to me. It appears that since the account isn't verified, the account that they refuse to verify despite a copy of my driver 's license and social security card, they intend to just hold my money as long as they feel like it. 

A screenshot of the response I received after the above message is attached. Showing, apparently, no intention of communicating with me or returning my money. 



On XX/XX/19 I opened an online account with simple.com. I deposited $ XXXX with two $ XXXX deposits. On XX/XX/19 the first of those deposits was processed. Shortly thereafter I received an email saying my account had been frozen and required verification. Despite being told it takes one day to complete the verification, it has now been over three days and I still do not have access to my money. If you've followed along, you will have realized they had over a week to verify the account and only decided to do so after they received the money I sent to fund the account. Once they received those funds I was almost immediately contacted and told my account was frozen for verification. The account had been open for NINE DAYS at that point. They refused to accept the information I sent for verification, including very personal information such as my driver 's license and social security card. Despite receiving sufficient information to verify my identity, they demanded still more information including mortgage info and more which is not even applicable to my situation. After being told everything should be resolved in one day, I spent much of the second day dealing with their incompetent and condescending employees. I was informed that they would not give me access to my money, or allow me to close the account in question. We're talking about XXXX XXXX DOLLARS HERE. After business hours I received an email from a XXXX XXXX  saying they would not accept my calls to address the situation. The next morning I realized my phone number was blocked so that when I called I would be disconnected immediately. As of this time, I can't reach them by phone and they ignore my emails. Of course, they are still holding my XXXX XXXX DOLLARS and denying access to my funds while providing no banking services whatsoever. I WOULD CALL THIS A THEFT OF MY XXXX XXXX DOLLARS. I WANT MY MONEY!!!!! WHAT KIND OF COMPANY IS THIS?????
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I requested a pre-qualification that was not supposed to affect my credit. When I later checked my XXXX report, I saw an inquiry. There was supposed to be no inquiry per their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am active duty sailor in the military I have contacted XXXX XXXX XXXX  and USAA XX/XX/XXXX, XX/XX/XXXX , XX/XX/XXXX XX/XX/XXXX I have spoken to ther credit card department, auto loan department and the XXXX XXXX XXXX banking on several occasions requesting proof of my signature for over 20 inquires for XXXX XXXX XXXX for USAA listed on all three of my credit reports . I get transferred and one is able to assist me to let me know why my credit is being pulled . I have only authorized XXXX XXXX   to pull my credit on 2 occasions XX/XX/XXXX credit increase and XX/XX/XXXX auto loan  . I have authorized Usaa to pull my credit for auto loan XX/XX/XXXX  I have placed a fraud alert and requested I be contacting via phone (celluar number) before my credit is pulled . I have contacted XXXX XXXX and XXXX to have these inquiries remove each time I have called I was told to contact the merchant (XXXX XXXX)(USAA)I hired a credit repair company to send letters to both the merchant and credit agencies I have gotten no where out of XXXX fromXXXX XXXX . I’m mostly away out on deployments so I’m not sure why I’m getting these inquires monthly .
Product: Mortgage

I've been in my home for 15 years and never had financial issues or problems paying my mortgage. Several years ago my mortage was sold from XXXX XXXX to Nationstar to Mr. Cooper. I have never missed or been late on a monthly payment. My payment has always been set up as an automatic bank payment set to arrive before the first of the month. Once a few years ago when I was still with XXXX my payment amount changed to due an escrow change and I did not notice the need to change the payment so I was charged late fees for short payments. Once I noticed I called customer service and they were helpful and credited some of the late fees and I payed a portion settling the past due amount and adjusting to the new payment. All was well. Months later with the new mortage company the 'computer system ' re-applied the previously credited late fees. When I called to question the fees ( as my payments had been in full and on-time since the last issue I was told by the CSR that there was nothing they could do to readjust the latefees which were now compounding. I escalated and got no where. I'm in the professional services industry and the service I received at this time was the worst that I have experienced in the past 30 years. This was multiple years ago. Since then I continue to make my prompt and full payment and the amounts are applied to Principal and Escrow however the fees just keep piling up and now are several XXXX dollars which I can not absorb. I don't receive any threads of foreclosure but my statements show me being months behind in payments even though I have NEVER missed a payment in the history of the loans. The lender seems happy to continue to take my payments an pile on ridiculous fees. Do I have any recourse or am I at the mercy of this lender and their software system applying fees on top of fees even thought I keep meeting my monthly payment amount?
Product: Credit card or prepaid card

I opened my business account 2 years ago and since then Bank of America has been very poor on services and supporting my business. Since recovering from a pandemic, the business has already crossed the {$300000.00} revenue but Bank of America continues carelessness. I asked for a credit card so many times until giving up and find other cards elsewhere, including from other banks. Recently, I received an invitation to join one of Bank of America 's cards and decided to apply, and surprisingly got denied. Where is the rep to call me and understand my business needs? Why all other banks and institutions gave me credit cards like XXXX XXXX, XXXX, XXXX XXXX, XXXX, but the bank where I have 3 accounts, 2 businesses + personal have zero support and care?? Hasn't offer one single product to support a small business like ours in spite of our growth. Why sending invitations if even the cheapest card can not be approved?
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

1. XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C  1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 C. ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing of the following items of information.Any other adverse item of information other than records of convictions of crime which antedates the report by more than seven years.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPAs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with Federal law and provides consumers with the necessary proof of investigation. These are the accounts listed 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

I have disputed two accounts from XXXX XXXX on my Experian credit profile that show late payments for the month of XX/XX/2022. The account numbers are XXXX and XXXX. The balance and payment history of the account is incorrect and hindering my credit profile. Both accounts are completely incomplete and inaccurate. I sent in my payment history to Experian so they can remove the inaccurate information but they did not do so twice. The accounts were first reported on XX/XX/2022 as late for the month of XXXX which isnt possible. Both accounts are reporting one month as being late but show no other payment history even though the accounts were open on XX/XX/2022 and XX/XX/2022. This needs to be removed immediately and Experian and XXXX are not acting under the fair credit act.
Product: Bank account or service

Please see my report OCC filed on my behalf with the CFPB XXXX and the XXXX filled by myself with the same agency I would like this matter dont be achieve and be proper investigate it. 

Citibank is not addressing my issue correctly, Its response does n't show the time of the amount withdraw of the amount of {$500.00} from its report. You said you machine gave me the exact amount that report it does n't show it and I know this Citibank ATM Machine located in the city of XXXX the XXXX I withdrew the money it has Cameras built in as matter fact it has XXXX, XXXX next to mirror and another XXXX below where you insert your card Im attaching picture hereto. Citibank, is denied me due process on this matter to have the proof as I requested Them, If their ATM machines wouldnt have cameras I 'd undestand but my proof shows otherways.They instead choose to denied me as saying " you cant have it '' to me is like steal/take my money based on a general report, I would like to have US regulator to look into this matter to request Citibank to show its proof of the money given at the time when I did the withdraw.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my family we have three generation ; many creditors and bureaus tend to use the wrong person. What I dont understand is how it happens so frequently. I have a XXXX XXXX credit on my credit report that doesn't belong to me. However, the credit card was open was open by the third generation. This issue was reported XX/XX/2018.
Product: Prepaid card

I've tried to use an Amex Gift card I received from work for {$120.00} to make purchases at XXXX, XXXX XXXX, and in a XXXX XXXX. Initially I thought it was a balance problem but every time I went to the Amex balance website it showed the full balance. After further research it appears many vendors are blocking the use of this type of card making it unusable for me. This should be a class-action law suit since they know many people will never be able to use the full balance of their gift cards. These types of unusable gift cards should not be restricted. The gift card expires in XX/XX/2024.
Product: Vehicle loan or lease

Demand Letter to Porsche Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PMB XXXX XXXX GA XXXX XXXX XXXX Porsche Financial Services RE : Demand for Resolution of Uncompensated Securities Trading and Excessive Repair Delays Dear Porsche Financial Services, I am writing to express my extreme dissatisfaction with several issues related to my account and recent experiences with Porsche. This letter serves as a formal demand for immediate resolution to these concerns.

Unauthorized Securities Trading : I am aware that Porsche Financial Services engages in trading securities based on customer auto purchases. While I understand this practice exists, I have never received any form of compensation for such activities, which I believe is legally required. I demand a full disclosure of any and all trading activities conducted on my behalf, along with any associated compensation I am entitled to. 
Excessive Repair Delays : I have recently encountered severe delays in repairs for multiple Porsche vehicles I own. These delays, exceeding XXXX years for parts manufacturing and delivery, are unacceptable and have caused significant inconvenience and disruption to my life. 
Furthermore, my XXXX XXXX remains unrepaired due to this ongoing parts issue. I find it particularly concerning that Porsche has illegally NOT ALLOWED THE release OF the car from the car from the repair shop as well! LEAVING ME WITHOUT transportation. 
Demand for Immediate Resolution : I demand immediate action to address these issues : Full disclosure and compensation for any unauthorized securities trading. 
Expedited acquisition and installation of necessary parts to complete repairs on all affected vehicles, including my XXXX. 
MATTER FACT REPLACE MY XXXX I WANT A XXXX ASAP I have been a loyal XXXX customer for many years, owning multiple vehicles and engaging in financial services with your company. However, the current situation is utterly unacceptable and has severely damaged my trust in XXXX. 
I expect a prompt and comprehensive response outlining a clear plan to address my demands. I am available to discuss this matter further at your earliest convenience. Failure to provide a satisfactory resolution within a reasonable timeframe will force me to pursue legal action to protect my rights and interests. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple hard Inquiries on my credit report that are not mine or that are duplicates and should be deleted because they are violating the FCRA. I feel that I am a victim of the shotgunning of inquiries on my credit report or possibly even misplaced hard pulls on my report that do not belong to me and they need to fix my credit report. I have tried to mail both the creditors and XXXX already with no results. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please investigate such occurrences and delete the following : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX   XXXX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX of XXXX  Transform Credit Inc has been opened not on my behalf in the amount of XXXX XXXX its been charging my bank card XXXX XXXX ever since. Last time charged was XXXX XXXX, resulting in current amount owed XXXXXXXX XXXX making a great impact on my credit score. I disputed this claim twice and t he results remain open. I have no knowledge of what this is and why its still impacting my credit history.
Product: Credit card or prepaid card

I am interested in citi prestige credit card and went to citi XXXX branch in LA last Saturday XX/XX/XXXX. 

I was waiting in the lobby for about 20 mins then a lady named XXXX showed up to help me. XXXX tried to get rid of me the moment that I mentioned I want to apply for prestige credit card. She does n't know this particular credit card very well and also try to persuade me to apply for another cards. She keeps selling other credit cards to me and meanwhile she said if I want to have prestige card then the annual fee is {$450.00}. I asked if she could let me open a priority account to reduce the annual fee to {$350.00} ( which everyone else is doing ). She did n't want to help me at all at that point and said I should JUST GO HOME AND APPLY ONLINE because " if you apply online, the annual fee is {$350.00} '' - which is a totally lie! I know that If I apply online the annual fee is still {$450.00}! 

After I told her this is not true, she went to ask her manager. Then she told me that I have to have a cashier check with {$50000.00} to open a checking account. I am highly doubt this is the truth. They are just trying to get rid of me. The general fee for the checking account is $ 30 monthly and hold {$50000.00} in the account will waive the monthly fee. That 's it. It 's not a criteria at all to have {$50000.00} to apply for the checking account!!!
Her manager even told me that they are afraid I 'll close the checking account after I got the discount for credit card so that they are not willing to open the checking account for me. They want to see the cashier check first to prove " I am serious about it ''. I told them that I would go home and ACH the {$50000.00} to the priority account from other bank. But they just do n't trust me at all and treat me like a liar or trick me like a fool. 

XXXX and her manager can not just trick customers like this! They are so unprofessional. I drove more than two hours to the XXXX branch because there is no citi branch in my town. XXXX and her manager has wasted another 40 mins with their bad and inpatient attitude!
Product: Credit card or prepaid card

I had a bank of America credit card. They stole my wallet and made purchases with my credit card. I file a police report and contacted my bank. This incident took place a while ago and Bank of America refuses to correct the situation with the credit agencies.
Product: Debt collection

I have been receiving calls on a regular basis from a company who claims that I owe a debt. I have asked on multiple occasions for the calls to stop and advised that I do not have any debt, and that I can look my credit report up right now and prove that, yet the calls keep coming in. I advised that I know my rights and that if I ask them to stop calling that they have to yet I am met with rudeness and nastiness and the calls continue. I advised that I would be filing a complaint with the last phone call.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to formally dispute an incorrect address that appears on my Equifax credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that you remove the following incorrect address from my file as it is not associated with me and may lead to potential confusion or misrepresentation of my credit information. 
Incorrect Address : XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My actual address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Please note that I have not resided at or used the above address in any capacity, and I am concerned that its presence on my report may affect the accuracy of my credit file. 

As required by the FCRA, credit reporting agencies are obligated to ensure that only accurate information appears on consumers ' credit reports, and I respectfully request an investigation into this matter. 

Please complete the necessary investigation and provide written confirmation that the incorrect address has been removed. I trust that you will treat this request with urgency to ensure the accuracy of my credit file. 

Thank you for your attention to this matter. I look forward to a prompt response confirming the removal of the erroneous information from my report. 

Sincerely, XXXX XXXX
Product: Student loan

I received notification of a {$17000.00} loan forgiveness award from the state of Florida ( FRAME program ) that was sent directly to my loan servicer EdFinancial. Around this time, Edfinancial was in the midst of changing there website over to a new one, which also resulted in clients receiving a new account. During one of my 5+ calls with EdFinancial, it seems like the money was caused by Edfinancial but was sent to the old Edfinancial account number since their system had not swapped over to the new one yet when Florida sent over the funds. After 5+ calls, noone from Edfinancial has been able or possibly not even attempted to search for my missing {$17000.00}, resulting in me having to pay higher interest rates because the principal is higher than it actually should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage from XXXX XXXX was opened in 2002 under my name. I fought for a long time to get it removed, however I no longer have the police reports. 

It looks like whomever stole my social security number has been making payments this entire time, which is why I never noticed it. I should have been looking at my credit reports yearly, but it was never an issue until I looked at buying a house. 

I've tried reaching out to XXXX XXXX but have gotten nowhere. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX This mortgage is not being reported on either of the other two credit reporting agencies, so I assume back when this first happened, the other two actually removed it, as this is only showing up on the Equifax report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transfinancial Companies placed an account on my credit reports in the amount of {$330.00} and after several attempts to get validation of the account the company has failed to provide said information. I would like the account removed promptly from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, while looking over my credit report I noticed The following accounts, Addresses and inquires were opened/Listed fraudulently without my permission or authorization, I demand for them to be removed immediately by law- I also want this investigated and solved. 

Addresses i have never been associated with : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Accounts that were opened fraudulently without my knowledge or permission : XXXX. XXXX XXXX Account numberXXXX XXXX Open date- XX/XX/XXXX XXXX. XXXX- original creditor- XXXX XXXX XXXX XXXX Account number-XXXX Open date- XXXX XXXX, XXXX Inquires that were created fraudulently on my credit report without my knowledge or permission : XXXX. XXXX XXXX Inquiry dateXXXX XX/XX/XXXX XXXX. XXXX XXXX Inquiry dateXXXX XX/XX/XXXX XXXXXXXX XXXX- inquiry date- XX/XX/XXXX XXXX. XXXX Inquiry date- XX/XX/XXXX XXXX. XXXX- inquiry date- XX/XX/XXXX XXXX. XXXX XXXX Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX, XXXX XXXX- Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX  XXXX Inquiry date- XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX  Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date- XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry date- XX/XX/XXXX XXXX XXXX XXXX- Inquiry date- XXXX XXXX, XXXX XXXX XXXX XXXX- Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date- XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry date- XX/XX/XXXXXXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

We've paid in over XXXX in payments yet they've only taken XXXX off the loan balance. 

Loan started XX/XX/2021 at XXXX... We've made 30 payments at over {$600.00} each time. Current balance is XXXX.