23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I tried taking out money at an atm but it did n't let me {$600.00} instead it blocked my card and it said to contact my bank for this matter.this happened after work around XXXX. So I have my mobile bank app I go paperless..I open my app and first thing that pops is a alert saying if it was me trying to take out money at a near atm..so I pressed yes, this after me going back home. After I press it i t takes me to my bank balance where I see that automatically it debited XXXX which I never even took out. I called right away after an hour on hold I get a bank of america person to help me..he tells me the card is now ready to use, I say ok what about the money? He says it should be credited within 48 hrs, so I check the following day, nothing. Until the second day I check and it got erased from my statement history like it never happened but the total is the same as when it was deducted. I call right away and they say they credited back and it was cleared because it was done so it had n't happened but I told them the balance is still XXXX less she said is not, I told her I knkw the total I had before the XXXX were deducted. XXXX I was asked if I wanted to open a claim I said yes, so they credited the XXXX temporarily until the investigation took effect, a month later I receive a letter that it was denied after being investigated and that the money was going to be reversed, I call the bank again very disappointed and mad, and tell them about the situation again they said XXXX case is closed I ca n't do anything about it anymore, I said how is that I ca n't just loose XXXX just like nothing, I 'm a single mom of XXXX and XXXX is almost a whole paycheck for me, she said sorry I ca n't help you she said only I can help by moving the date of the money being reversed back to a month away, I was like moving the date or not is not going to give me back the money I lost..I do n't know what else to do I am very dissapointed, sad, upset..I have bills to pay and my schooling as well, I hope you can help
Product: Debt collection

I received a letter from online information services, a debt collector located at XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX  XXXX. 

They were attempting to collect a debt for a company named XXXX XXXX XXXX XXXX When I called online information services, they were requesting that I give them my full and complete Social Security number. When I would not give them my my Social Security number, they would hang up on me. I would call back, providing them all the information provided in the letter mailed to my home, and they said that I had to still provide my complete Social Security number. When I would not give them my Social Security number, they then placed a deficient collections onto my credit report. I have contacted the local state police in North Carolina regarding this matter. I spoke with XXXX XXXX badge number XXXX this debt collection was then disputed with the three credit bureaus and determined to not be accurate and was removed from my credit report. I am contacting this office to notify you that this company is fishing for people, Social Security numbers and when not provided with your SSN they will place a false claim against your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lending Club Corp is being reported as a delinquent account every month after several disputes. It is affecting my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made arrangements for credit card payments last year w ith Amex and representatives advised that my credit would not be reported as " negative '' as long as I kept the arrangements. A manager pretended to have listed to the phone calls were I was misleaded and now my credit report shows 120+ late payments which could have been avoided if Amex had provided correct information to me and reported the payments as agreed. Amex reported late payments to credit bureaus when I was making payments under their payment plans. Amex denie d removing false data.
Product: Checking or savings account

The Huntington National Bank, XXXX XXXX  XXXX XXXX, OH XXXX sent me a promotion. That I can open a Business checking account and if I meet some criteria I can get {$750.00} bonus. So, I called the Local Huntington Branch at XXXX, IL and wanted to open the account. They said due to COVID 19 I have to set up a time and come in. I said OK. Then she asked if I have all the required docs, I said yes. She confirmed I could use my SNN and Dl to open the account as sole proprietor. As we were deciding on a good time, I told her I have a coupon whereby I can get {$750.00}. She said I am only going to allow you to open the account if you do not use the coupon. I said why? She did not, could not give a valid reason. She refused to open my account.So I called Huntington National Bank helpline and raised the issue. The agent told me that the branch manager who had refused did not have a right to and she said someone would call me back to resolve the issue. This was about 2 weeks ago. Today was the last day to use the coupon, no one called me. XXXX who had noted my complaint was called " XXXX ''. The branch manager that refused to open my account was XXXX XXXX. 
Can they do this? Is this legal for a bank or its rep to do?
Product: Credit card or prepaid card

I have reached out to Capital One to have the {$39.00} membership fee since my card has been restricted for well over 2 years to only be advised that they are unable to remove the fee. The card company is a rip off how can you continually charge a membership fee yearly but yet the customer card is restricted and unable to be used. I want all my membership fees refunded or the card unrestricted immediately or I will reach out to my attorney to file a class action lawsuit.
Product: Credit reporting or other personal consumer reports

I am writing these purposes to dispute specific information in my credit file ; and to request a reinvestigation, correction, and removal of inaccurate information from my Credit Report, as well as measures to prevent its re-insertion. 
XXXXXXXX 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 attached an FTC report with 4 fraudulent accounts and fraudulent inquiries
Product: Credit reporting or other personal consumer reports

I was just looking over my credit report on XX/XX/2024 and found some addresses that appear to be incorrect. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Equifax continue to report my address incorrect on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for this vehicle loan with the help of the sales agent, XXXX XXXX. The entire deal was sketchy but the outcome was promising. I do not have a driver 's license and I was told " Come back tomorrow and you will ''. I was also told, " The manager doesn't like to move forward with a fake driver 's license because he doesn't want to mess up our relationship with a lender, but we do this all of the time ''. The total downpayment was XXXX. I was told that I could pay {$1500.00} on my initial visit and on my next payday I could pay the remaining {$500.00}. I was also told that I would get a " welcome call '' that Thursday and that I was to tell the lender that I paid the full {$2000.00}. I informed XXXX that I was not comfortable with that and I would try to make the remaining payment before the welcome call. On the first day of test driving the vehicle, the brake fluid light came on. I informed XXXX and he had his maintenance team work on the issue. On the second day of having the vehicle, the check engine and oil light came on. I notified XXXX and he told me that I could take it to their repair shop in XXXX. I took it to the XXXX XXXX to have a maintenance check on it. I have a repair estimate sheet dated XXXX that list many different issues 1. pump replacement 2. oil change 3. brake fluid exchange ( this was not fixed on day one they just turned the notification light off ) 4. engine air filter replacement 5. cabin air filter 5. oil cap is leaking. I sent XXXX a picture and he gave me the car shop number in XXXX to call. I called them and they informed me they were a third party and do not speak with customers directly. I informed XXXX and he told me it would be best if I came to the shop and spoke with the manager XXXX, who was out at the time until Monday. I went to XXXX and provided XXXX with the Repair estimate and he was very unhelpful and rude. He stated that XXXX only wanted money from me and that the XXXX XXXX was false and that they will get the lights off. I informed him that I did not want the lights off but the vehicle fixed. He told me it was a used car and there would be problems. I informed him that is understandable but I would rather purchase a used vehicle with minor problems that don't classify it as a lemon. XXXX interrupted, walked me outside, and said that he will accompany me to the XXXX location that weekend for maintenance. on XX/XX/XXXX I messaged him after he was a no-show and informed him that I was returning the vehicle on XX/XX/18, which I did. I returned the vehicle on XX/XX/18 and no longer have it yet I am still receiving collection calls in an attempt to collect. I informed XXXX and they called the carlot and they stated that I have the vehicle but did not pick up the plates. I did not pick up the plates because I do not have the vehicle. I never intended for them to be deceptive and not report that to the lender or they are forcing me into a vehicle I do not wish to purchase as an investment. I have attached the estimate repair and the message thread between XXXX and I.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a XXXX certified letters XX/XX/2018 USPS in regards to multiple inquiries that I did not consent to as well as late payments being reported. I contact each company directly in regards to the inquiries and late payments both stating they don't have my consent for the inquiries and they don't have records of me making late payments. My letters asked for the bureaus to properly investigate and remove the late payments and the inquiries that I did not authorize. I did not receive updated report or notifications with outcome within 30 days.
Product: Debt collection

I have requested this company to no longer call my place of employment and they are continuing to do so.
Product: Mortgage

I have applied for a Principal Reduction and Loan Modification since the original Mortgage documents where made and signed by Chase representative without my consent and knowledge. Chase has not given me any compensation for the losses suffered by me and now trying to trick me into signing Home Affordable Modification Agreement documents which make the new documents take the place of the original documents since chase found that the initial documents were fraudulent. During the trail period time Chase send me letters stating that they will short sell or foreclose my house etc which puts very much stress on my family
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX are stating that I do not have the right to opt out when in fact Equifax, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are a financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are a financial institutions and the Consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to Equifax, XXXX, and XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked in reporting late payments under 15 USC 1666AAND 15 USC 1666B as it states " '' a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor. '' Lastly, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX need to thoroughly look up each and every one of these laws and understand these have been in place for much longer than the FCRA. The USC backs the CFR which the President has signed for to put in place. The USC is to enforce the CFR. Previous letters were sent as well with no response. 
I will be filing a lawsuit for improper reporting on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If XXXX, Equifax, and XXXX do not remove this information from my report, I will be filing a lawsuit on them as well. See attached documentation as proof.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning matter regarding my credit report and recent inquiries made by the following companies without my explicit consent.
Product: Credit reporting or other personal consumer reports

Equifax is reporting the same account twice with two different opening dates. I requested these accounts to be deleted but Equifax failed to respond. 



XXXX XXXX Account : XXXX
Product: Debt collection

CAINE & WEINER Original creditor : XXXX Balance details XXXX XXXX paid off Balance {$1400.00} Balance updated XX/XX/XXXX Original balance {$1400.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$1400.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX Contact info Name CAINE & WEINER Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Product: Prepaid card

On XX/XX/XXXX, I purchased a {$490.00} Vanilla Gift Card visa gift card from XXXX for a total of {$500.00}. I was able to use the card for a few transactions and then it was frozen with a balance of {$280.00} still left on the card. When I called in to the number on the back of the card ( XXXX ), I was told that I would receive a replacement gift card. I waited until XXXX and then called in due to not receiving the replacement card. They told me they would send an " expedited '' card but no tracking number was provided or available. After waiting for this card, I called in XXXX to request a refund check due to not receiving the " expedited '' replacement card either and not having much confidence that the replacement card would not be frozen in a similar manner to the original card that I purchased. I was told the refund check would take XXXX weeks, same as the replacement card. I waited until early XXXX and called again. I was asked to wait another week due to the holidays. I waited an additional week and a half and called in on XX/XX/XXXX. The representative told me that they had requested an " expedited '' check and that I will have to wait another XXXX days, again with no tracking number.
Product: Credit card

Received a call from Synchrony Bank today that my credit card issued by them was used fraudulently ... this is the second time this month I have got a call from them that my credit card issued by them ( XXXX different cards - XXXX is my Walmart card and the other is my Toys r us card ) was used fraudulently. I had XXXX cards still in my possession and the charges that were made were far from my home. I am concerned at there is a data breach at this bank. I have not heard anything in the news about this bank and the customer service rep helping me did not give me any information but this seems more than coincidental to me.
Product: Mortgage

I had a n 80/20 loan with Ocwen. I ne ed to hurry and sell my house because of losing my job and relocating to another city with my fami ly. Ocwen offered me 2 o ptions ... short sale and turn my house back over to them. I picked short sale and filled out the paperwork with them on  XXXX / XXXX /  XXXX  . I hired a realtor on  XXXX / XXXX /  XXXX  . I received a cash offer 2 days after hiring my realtor. I have the entire signed contract from our buyer to prov e it. Ocwen refused  to release my file. We lost that sale. They made us put the house up on their auction page. We did exactly what we were told to do b y Ocwen and we received another cash over on my house for the same amount. Ocwen still refused to release my file for the sale. We lost that sale also. In the meantime, Ocwen  sold my  2nd  mortgage off to  XXXX   XXXX  during all of our selling processes. My realtor got a  3rd  cash offer on the house with the new amount which only covered the first mortgage and Ocwen still would not release my file for the sell and we lost that buyer also. Our firs t 2 c ash offers were for {$100000.00} and the  3rd cas h offer was for {$85000.00}. In the end,  Ocwen fo reclosed on my house, sold it for {$74000.00} and wrecked my credit. We did everything we were told to do  by Ocwen.
Product: Credit card

I was issued a SYNCB/SAMS CLUB DUAL CARD # XXXX on XX/XX/XXXX. On that day I charged {$140.00} on that card. I never received a bill from SYNC/SAMS. The first letter I received with my balance and interest and fees was from XXXX. My bill at that time ( early XX/XX/XXXX ) was {$170.00}. I immediately visited the customer service department at XXXX 's in XXXX, Ohio to complain about the process stated above and the new balance. Although the agent from Sam 's made several attempts to permit me to pay my bill without fees, she was unsuccessful. She informed me that the reason I never received a bill was that SYNCB did not include my suite number on the bills, and the post office returned the bills to them. Subsequently I had conversations with representatives from XXXX offering to merely pay my original {$140.00} and none were able to accept my offer. I informed them that my offer seemed reasonable under the circumstances, and I would write a check immediately if my offer was approved. In the spring I attempted to purchase a dishwasher and was denied credit. This is the first time in my life I have ever been denied credit. On every prior occasion I was told that my credit score put me in the best range which permitted the lowest interest rate. Prior to this event the longest period of time that I have missed a payment has been one month, and this has occurred about 5 times in the past 45 years. I finally spoke to an agent at XXXX who thought my offer to pay {$140.00} was most reasonable, and I mailed a check to them for that amount. I have a letter from them dated XX/XX/XXXX stating that my account has been settled. However my monthly XXXX statement has a credit report that indicates that my credit continues to be in the poor range ( some lenders may issue credit ). 
I am looking for resolution from SYNCB/SAMS CLUB DUAL CARD. I am asking that they not only request that my delinquency be removed as an adverse account from all credit reporting agencies and that they also contact XXXX and ask them to do likewise. I hope that satisfying these requests will restore my credit to previous levels entitling me not only to credit but to the best interest rates available.
Product: Debt collection

I received a collections letter for XXXX  XXXX XXXX  which is the XXXX  I attend. I have a full scholarship and have not been asked to pay anything. I am not aware of this debt or what is it for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrectly is still on my credit report ; Please remove the accounts as requested previously. All of these were already dismissed via XXXX claim etc // Should've been removed YEARS ago. 

Thank you for your help.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XXXX, XXXX, XXXX of XXXX and XXXX of XXXX. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action!
Product: Credit reporting or other personal consumer reports

To file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Experian 's refusal to remove a charge off account based on the Fair Credit Reporting Act ( 15 USC 611 ), you can use the following template : Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Creditor Name : XXXX XXXX  Account Number XXXX XXXX I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 
Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 
Sincerely, XXXX XXXX XXXX