23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I applied on  XXXX   XXXX  for the   XXXX   XXXX   credit card which the sponsor is Bank of America. At the time of the application, m y credit score r eturned as  XXXX , my debt to income ratio was under 30 % and my annual income is more than  XXXX . This credit card offers a range  of APR betwe en 12.99 % to 19.99 %. The result of my application was a line of credit of  XXXX  and a high-interest rate of 19 % . First of all   we are talking about a credit card with incentives for travel, therefore, if I would like to travel to  XXXX  and I would like to buy more than  XXXX  tickets it would be almost impossible because my credit limit, also if we consider that this offer does n't have an introductory 0 % off APR and m y credit score is clos er to the category of excellent, I am wondering if I am applying for a mortgage? I have been spoken 2 times with the department of credit card services from BOA and they only say that they are sorry, they can understand my frustration and they sent me a letter telling me how to build  a credit score and how I can keep a good one as  well. Please if someone needs to have a position of 1 % of the wealthy population in order to receive a fair deal from BOA and their credit cards they should let this know to the hard working people.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX has violated my rights. 

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

on XX/XX/2020 I sent to Equifax a certified letter Detailing my private information. I told them I had only the information of : Name : address : Phone : DOB : SS # : Work : And that no other past information was to be reported because I can only be reached at the current information provided. 

With this letter, I sent a second letter detailing companies who affected my credit by pulling credit inquires without my written permission and none of these issues have been fixed. 

I have called several times and even tho they state they have been fixed when they send me a new credit report the information is still showing. 

Attached is the first set of letters. I have sent a second set of new credit inquires which has not been responded to which I will file at a later date when the 30 day mark is reached
Product: Credit reporting or other personal consumer reports

Hello CFBC, I hope all well. I was appalled today when I login into my credit report and saw multiple unauthorized inquirys. Please see below the unauthorized inquirys. 

XXXX - Unauthorized Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2021 I refinanced my mortgage for a lower rate and to consolidate debt. I paid off several credit cards. No problems there except one company said they did not receive the check. Comenity Bank aka XXXX. 

On XX/XX/XXXX, said payoff check was still not received by Comenity. On XX/XX/XXXX, a stop payment was placed and new check was issued. Comenity was advised. It was overnighted ( on a friday ) and received and signed for by Comenity on XX/XX/XXXX. 

On XX/XX/XXXX I received notice that Comenity received the check, paid off my credit card, and sent me a refund of {$20.00} because it was overpaid. 

On XX/XX/XXXX, I receive notice that the check was returned for a stop payment. 

What happened, was they applied the check that was stopped, which they were informed of, and added Interest, return check and past due fees now to my account. 

I have proof from XXXX and a tracking number that they received and signed for the new check. They ( comenity ) are telling me they never received it.

So i had to call yet again ... ( this is now XX/XX/XXXX ) ... .and they are sending me dispute papers ... but there is nothing to dispute ... they received the replacement check and lost yet and I am being crucified because of their ineptness .... They said there is nothing they can do to help me. 

So i am paying on my mortgage for the XXXX dollars that was mailed to them and signed for and they lost it .... and its still on my credit card balance. 

When i asked how to rectify now ... .. I was told ... .This is how we do things here. 

They wont even help anymore.
Product: Consumer Loan

Hi, I am looking for some help or answers. I have a car with local finance company. I have had car for about 2 years. XX/XX/2015, I had to go though XXXX and a XXXX in XXXX and still recovering. Unfortunately since ca n't work I have fallen behind on loan. The company has now again for the third time called my parents no I am not a minor, they have called and told my parents directly that I am behind on loan, amongst other private information. Today they again called my parents BEFORE calling me even first today ... my mom called me and said they had called her telling her I was xx amount of days late, that I did not have valid insurance, and they were coming to repo the car today or tomorrow. I am very upset yet again they have called my parents and revealed personal information. What can I do here ... .anything??
Product: Credit reporting, credit repair services, or other personal consumer reports

hard inquiries were fraudulently added to my credit report..These are not my inquiries XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX Co XXXX XXXX XXXX XXXX Acceptance XXXX Service XXXX XXXX Bank XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Also remove XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ..XXXX XXXX was settled in XXXX Court my security deposit was kept
Product: Debt collection

FINAL WARNING TO NETCREDIT TO STOP YOUR ILLEGAL, FRAUDULENT, UNLAWFUL AND ABUSIVE PRACTICES.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 or other personal consumer reports

I filed my initial complaint on XX/XX/year> & have yet to hear anything back regarding this matter, but Conns was quick to send the wrong information to XXXX. On XX/XX/year> I received a notification that my Conns account balance increased by the credit bureau {$440.00}. So, I reach out to Conns via chat and email regarding this matter to see why I they added this to my account and XXXX via chat stated she didn't know and didn't have access to see why. So, I then reach via email to be told they did see this to check back and they would possibly provide me with an answer. So, I reach back out to be ignored and not receive a response when I reached back out. Conns has went bankrupt and is trying to get over on people. I WILL NOT PAY ANOTHER DIME UNTIL MY ACCOUNT IS FIXED PROPERLY. I have called several times and advised them to come pick up the merchandise since they want fix my account and falsely reporting to the credit bureaus. They keep saying since Conns is going out of business they can't come get it.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX 
Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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
Product: Credit card or prepaid card

I am writing this complaint as I have exhausted all other options. For several years, my family and I have been victims of credit card fraud, bank fraud, and have all had our credit scores immensely fall. 

My mother, a government worker ( USPS ) for over 30 years has a credit score of XXXX after 2 fraudulent accounts were opened in her name by XXXX XXXX XXXX and Discover Bank.For 20+ years my mothers credit score and credit history was perfect, 750+ credit and fico scores for over 20 years and in a matter of two years her credit devastated. 

I, a XXXX year old college graduate have been unable to even open a credit card. There is one account that is currently on my credit report and several Hard Inquiries. I have filed FTC reports but that did not help. I have filed fraud for these inquiries and account and yet no proof is provided that they are my accounts. The credit card account in question is a discover card with a balance of {$1200.00}. Please help me get my credit back on track.
Product: Credit reporting or other personal consumer reports

Subject : Disputed Inquiry on Consumer Report I hope this message finds you well. I am writing to bring to your attention an issue I have discovered while reviewing my consumer reports. Upon inspection, I noticed an inquiry on an account that I have never associated with or initiated.

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 USA 1681. The accounts below have violated mi rights. 15 u.s.c 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 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 them of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.SC 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate delete the accounts below.
Product: Checking or savings account

I have tried to solve this problem with the representatives of the bank but have been unable to. 

My daughter was included in my account under my name as a minor. The employer XXXX gave her a bad check dated XX/XX/ and the bank took the money out of her account in full. You are affecting my credit stating that I owe to you {$130.00}, which is not true. 

A complaint against XXXX is open under the XXXX XXXX XXXX in XXXX 

I want to stop the harassing for my person, take my daughter out of my account since she is over 18 and stop with the collections and harassing actions against me. The Florida Statutes 657.023 under Membership ( 3 ) establishes that : a credit union may close the account and terminate the membership of any member whose actions have resulted in any financial loss to the credit union or for good cause. 

On this one, I am referring that all this situation happened and I have explained as a good cause. So, I beg that you take my daughters name XXXX XXXX XXXX from my account and stop damaging my credit and sending me to collections agencies. You took the money completely from her bank account. Stop with the harassment, and damaging my credit. 

Enclosed documentation. 


XXXX XXXX, mother XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have disputed with Midland Funding before. I do not know what this is for and have not opened up anything in XXXX 2012. I believe that either someone fraudulently opened up an account or this may be for something way past the statute of limitations from years ago possibly. I am in the process of purchasing a co-op and I must have this removed from my credit report asap if they can not provide answers or if they are " parking '' this forever on my credit.
Product: Checking or savings account

On XX/XX/XXXX, I asked M & T Bank to close my personal checking account. However, M & T Bank said I must physically visit a branch to close the account. This was, and still is, impractical for me because I moved to a state, California, which has no M & T branch locations. The closest branch is roughly XXXX miles away in West Virginia. Today is XX/XX/XXXX and for 476 days, I have been unable to close my account and withdraw the remaining {$750.00} balance.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$2000.00} INQUIRIES : XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX Account XXXX, XXXX  Account XXXX, XXXX XXXX XXXX, has violated my rights. 

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 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX XXXX, XXXX to remove the unverifiable items that is UNKNOWN to me. I called XXXX and XXXX after I purchased a credit report from XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Name : XXXX, XXXX Addresses : XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX , and Accounts : XXXX XXXX, XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by XXXX and XXXX not blocking these accounts is inadvertently resulting in me being extorted.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX Owed : {$70000.00} XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX Balance : {$14.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$660.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00} XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Trans Union are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports/files that were opened fraudulently.
Product: Money transfer, virtual currency, or money service

Coinbase has locked my account and refuses to return my money. I have asked for a password reset to get into my account and Coinbase refuses to send a password reset link. Coinbase has stolen my money without my permission and will not return it. 

In my previous complaint, Coinbase claims I can access my money. However, Coinbase also refuses to let me access my account. 

Since Coinbase has locked me out of my account, Coinbase should be compelled to return my money to my bank account which it can do, and which I have asked to be done several times.
Product: Checking or savings account

On XX/XX/24 I paid {$88.00} at XXXX XXXX. I called chase so they can dispute a transaction where they added {$90.00} extra. XXXX XXXX didnt give me a receipt and chase is adamant about needing a receipt. I explained how I wasnt given a receipt and it was an even how can I possibly request a receipt 2 days after the fact. They dont want to help me get my hard working money back
Product: Credit card or prepaid card

My name is XXXX XXXX I am a consumer and natural person. On Monday XX/XX/2021 I spoke with XXXX at Old Navy/Synchrony Bank . Today I went to Old Navy to make a purchase for my child 's school clothing and was bewildered to learn that my Old Navy account had been closed without my knowledge I contacted the number on the back of my card and spoke with XXXX a customer service agent he informed me that he did not have any idea as to why my account had been closed. He then informed me that a letter had been mailed out to me on XX/XX/2021 that is a direct violation of 12 CFR 1002 Equal Credit Opportunity Act. I am XXXX beyond measure.
Product: Payday loan, title loan, personal loan, or advance loan

I spoke with the loan manager for 2 weeks in request of XXXX XXXXXXXX loan for my business. Discussed sba products and covered the requirements for the loan. My credit score is sufficient as they noted they look for a XXXX at XXXX. I have a XXXX at XXXX. They ran my application and denied me but did not provide any information. Manager has ghosted. No contact. No reference number.
Product: Vehicle loan or lease

Im XXXX, I called Santander to inform them to come and pick up vehicle because it was involved in an accident and was not drivable. I did not want to pay for a car I could no longer drive. They eventually came to pick up vehicle and sold it according to their records for {$3400.00}. I did my due diligence and found that the car was worth {$15000.00} and now the bank wants me to pay almost close to what the car was financed for after the sale of the car ( XXXX XXXX ). I am not sure why I owe so much after they sold the vehicle which they could have sold the car for so much more making my balance next to nothing I owe.
Product: Mortgage

Ocwen survices my Mortgage Loan and they have the worse customer service I have ever seen. I have had my loan on automatic payment since I have had my loan and last year I a got a past due notice that I had not paid my payment. after many hours of trying to get someone & answers they finally discovered that they had just deleted the ACH from my loan. I finally got that resolved and then on my statement a {$5.00} charge showed up for something I did not request. that was never resolved. and now yester day I got a late notice for my payment and when I looked it up on their system this payment was credited to my account with them on XX/XX/2016! I also discovered that the amount I prepay them with that payment is held until the XXXX of the month and applied. that is just wrong! I have been in banking for 25 years and we apply any extra amount immediately. I have been calling for 2 days and have yet to get anyone. also if you just call the customer service number you get someone in XXXX, XXXX, or the XXXX and all you get is their standard responses. THIS IS NOT RIGHT! I have looked into refinancing just to get my loan away from them but why should I have to pay closing cost again because they ca n't or want handle business properly! I paid closing a few years ago to get it away from XXXX XXXX and this is not right!!!!!!!!!!! I had not choice about my loan being taken over by someone else and winding up with these horrible, incompetent people handling!!!!!
Product: Mortgage

Our mortgage was sold to Fifth Third Bank and from the beginning we experienced billing related issues. Our mortgage payment has been and is alway auto-drafted from our account each month. We paid our XXXX bill of XXXX in full and on time on XXXX XXXX. The payment was never applied correctly to our account. Now the XXXX payment has been mailed back to us? We are not sure why. We have spoken with someone every week and nothing has changed. " XXXX and XXXX '' have both assured us that something that will be done about it via a " task '' system. XXXX XXXX follow up XXXX nothing change, XXXX XXXX follow up with XXXX, nothing done, XXXX XXXX follow up with XXXX, nothing done. XXXX XXXX we had a very disturbing call from their collections department about non-payment for our mortgage. 
We were assured there would be no effect on our credit, yet checking our credit report it has been reported as late payments. We are in the process of attempting to purchase another home and have been warned that this will effect our rate unless resolved. 
After again calling on XXXX XXXX " XXXX '' has assured us that something will be done but after all we have been through we desperately need help in resolving this matter.
Product: Debt collection

Amount was paid in full in 2014 but still appear on credit report plz remove
Product: Checking or savings account

{$5000.00} was fraudulently transferred out of my First Horizon Business banking account XXXX on XX/XX/XXXX to someone in XXXX. I become aware of this when I became victim to other Identity Theft crimes in early XXXX. I contacted First Horizon to open a claim and they were unhelpful and did not assist at all. This is a serious matter and they were unwilling to assist in any way.