23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This is a credit card with Synchrony bank ( CareCredit ) this is card is for medical purposes. I went to a XXXX  and had a special XXXX step XXXX XXXX done and they charged me {$520.00}. I got an XXXX from the process and had to lose work and go to the XXXX  office numersous times for extra treament including and antibiotic. The XXXX  at the time said they were sorry and would reimburse but to give it time because since it was done thru care credit it would take about a week. I never received the credit after XXXX weeks and called the office and they said to give it time. I called cared credit to dispute and they said no problem they would help me with the claim. XXXX  months go by and nothing. Everytime I would call care credit they would put in a new dispute because they could not find it. It was very dissappoitning. I called the dental office and the dentist had gone on maternity leave and was not coming back. The office called cared caredit with me on the line and carecredit said they would take care of it. a Year goes by back and forth and I called numerous times to carecredit and they said they had no record. We are now in XXXX  and nothing has ever been done. Now they are charging me {$720.00}. I am not paying for something that caused me harm and pain. The credit card company never helped till this day. I dont know what to do anymore but I am not paying this .I have excellent credit and never miss my bills but this company is very disturbing to customers.
Product: Checking or savings account

I have a checking account and a savings account with Discover Bank. I tried to add an external account, and I was locked out of the online banking ... .twice. When I called to get assistance the second time, I was transferred to the security department, and they froze my account for no valid reason. My phone is disconnected, which I explained to them REPEATEDLY, so they couldn't verify me via text. They requested that I upload proof of identity, and said it would take 48 hours. I did what they requested, and uploaded my passport, as well as a copy of my driver 's license front and back, and even a letter from them clearly showing that it is me. It has now been 49 hours. They claim that they can not see my documents yet in their system, even though I received an email confirmation from them on XX/XX/22, which said that the uploads were done successfully. I am a single mother, and I could not even do our laundry this weekend because Discover is holding my money hostage. I need to pay my bills! Including paying for an Extended Stay, and my direct deposit goes to this card, so I need access to MY OWN MONEY! I am appalled at the lack of business intelligence and also the unfair business practices. This is not acceptable! And I want a resolution immediately! I have gone through their verification process from the hotel phone about 10-15 times. No one is doing anything to resolve this matter. They are not following their own protocol. I demand access to my accounts!
Product: Mortgage

I was instructed by PNC BANK Mortgage Loan Officer XXXX XXXX ( XXXX ID XXXX ) to complete a Homebuyers course offered by XXXX XXXX. Upon completion of this course that took multiple hours to complete, I was promised a {$1000.00} grant. I passed the course with a XXXX score, and received a certificate indicating I completed the course. As of XX/XX/21, PNC Bank refuses to honor this agreement, because they decided on that day that they will not proceed with my loan application. PNC Bank has lied and reneged on my loan application two times in the past 90 days, and now they refuse to honor the compensation that was agreed upon for my participation and completion of this course. I want the money that is owed to me for my cooperation and time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies are still showing accounts that should have been removed because of fraud. Multiple complaints have been filed to no avail, without the negative information, my credit score should be over 700.
Product: Credit reporting or other personal consumer reports

My account has been affected by the exposure of the Data Breach. I have the right to privacy 15 USC 1681. Under section 605B this information should be removed of my credit. I need this information to be removed.
Product: Credit reporting or other personal consumer reports

I am writing to formally challenge the accounts and inquiries listed on my consumer credit report ( referenced below ), as they appear to have been caused by a data breach or fraudulent activity. I request verifiable proof, including documentation with my signature or electronic signature, to validate these actions. 

This letter is submitted on my behalf, not through any third party, and I ask that you review it with careful consideration. These actions were not authorized by me and violate my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

I have reached out to the companies linked to these accounts and inquiries, and it has been confirmed that these actions were initiated without proper validation or original documentation. Since I did not authorize them, these accounts and inquiries are incorrect and likely result from a data breach or unlawful reporting by creditors or third-party data furnishers. 

I respectfully request that you investigate these issues promptly and take immediate steps to remove the unauthorized entries from my credit report. I greatly appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past year, I have been attempting to dispute ( to remove ) inaccurate and fraudulent accounts and information from my credit report with the 3 credit reporting agencies " Experian, XXXX, and XXXX, '' and it has been extremely difficult because they are not cooperating and have also made it difficult for me to dispute items on my own credit report. As an identity theft victim, I have had to obtain a credit monitoring subscription with Experian where I pay a monthly fee to be able to log into my credit report frequently to monitor my credit report ; Doing so has allowed me to see continuous inaccuracies and fraudulent activities being posted on my credit report with the 3 credit reporting agencies monthly. My most recent dispute of inaccurate and fraudulent activities on my credit report with the 3 credit reporting agencies was this month XX/XX/XXXX, and luckily " ( after much difficulty ) '' Experian has seem to be the credit reporting agency closest to accurately maintaining accurate updates on my credit report " with the exception of an old ( XXXX ) bankruptcy under public records. '' XXXX and XXXX are currently reporting inaccurate personal information, addresses, and fraudulent accounts to include alleging that I have two credit cards, so to make it easier, XXXX and XXXX should update my credit report in their system with that of my credit report with Experian. Such should be reflecting across all 3 credit reporting agencies, as standard procedure.
Product: Credit card or prepaid card

I was NEVER late on SYNCB/WALMAR account with the account number XXXX. This shows that the Bureaus and the furnisher did not investigate nor responded to my request. This account was not supposed to be late. The payment status does not state any late days that occurred and yet the payment history is showing a 30 Days late? Please update or fix this matter for legal and accurate furnishing.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I have been trying unsuccessfully to reach someone at multiple numbers for Experian due to an issue with a loan application that was due to information provided by Experian on XXXX XXXX  as well as XX/XX/2024. 

I tried numerous times unsuccessfully to sign into my account and am unable to access technical support of any kind because your automated system does not allow you to speak to an agent, which is very frustrating. 

I will be filing a complaint against experience with the Consumer Finance Agency due to this but I need assistance with why my credit application was denied due to information provided by you that could not verify my identity. 

Recently I had placed a fraud alert on my account due to a breach of my cell phone provider, although according to your automated system no fraud alert appears on my account but I imagine it's the reason why my credit application was turned down. 

Ask that someone please contact me at your earliest convenience at XXXX to resolve my issue. Thank you for your attention to this matter. 

XXXX XXXX, XXXX
Product: Credit card

I had opened a complaint with the cfpb regarding an investigation on XX/XX/year> regarding the These closures were not initiated by me and do not appear to align with legal guidelines. I request an immediate review and dispute resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to file a dispute with Credit bureau in regards to inaccurate account on my credit. XXXX XXXX XXXX is reporting on my credit and can not provide a contract with my signature proving that I opened this account. It was opened falsely years ago. I would like to the valid proof that I own this account because I never did. Its also been on my credit for 7 years. Please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

trying to get my credit report from Transunion for three days, and they keep on giving me the runaround.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash appm ( Block Inc ). Due to inadequate customer service and unfair practices which violates the Consumer Financial Protection act. ( CFPB ) specifically cash app failed to take time timely effect measures to prevent and address fraud on their platform. Leaving my account vulnerable and unprotected. Furthermore the dispute resolution process was unfair and deceptive, as they did not comply with air resolution requirements under the electronic fund transfer Act. ( EFTA ) and regulation E, these actions have caused significant inconvenience and financial loss, and I seek appropriate retribution for these actions.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I XXXX have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

These inquiries need to be removed, please. I'm not familiar with them, and the company acted without consulting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

First I asked XXXX, XXXX and Experian to check the information on my report and to delete certain items. 
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate and multiple Collections reported monthly. This is ground for removal and monetary relief.

They also violated the law because according to the FCRA the Credit Bureaus never did a proper *investigation* according to the FCRA, The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics ; or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information they did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

In accordance with the Fair Credit Reporting act 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. I never gave XXXX, XXXX or Experian my written consent or 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.

15 U.S.C. 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 cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I had a Ink Chase credit card that was all of a sudden closed. They would not explain anything on the phone and said I would receive a letter in the mail. The letter came with no explanation. I called Chase again they basically said that some affiliate ended their relationship with me so they are closing the card. They refused to explain anymore claiming they don't know more. I said how can you close a card if that's all you know. I also must know what information they have because I have no idea of anything at all wrong with my credit anywhere and suspect some foul play or some real misunderstanding. I
Product: Debt collection

I have made numerous attempts to have this issue resolved with Discover regarding a negative charge off account on my credit file. The account is not my account and I have never had any business with XXXX XXXX XXXX. I have asked that I be provided with validation and verification of the debt including an authorized signature. This has not been provided. My consumer protection rights are being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

in acoordance with the credit reporting act this creditor comenity bank account number XXXX violated my rights under 15 u.s.c 1681 section 602 i have the right to privacy. 15 u.s.c 1681 section 604 a section 2 states the consumer reporting agency can not furnish an account without my written instructions. Under 15 u.s.c 1666b a creditor may not treat a payment in a credit card account under an open and comsumer credit plan as late for any purpose. Update on all three credit agency bureau XXXX, XXXX and XXXX
Product: Checking or savings account

Ive called to resolve this issue and I have asked to resolve this continuing issue with Wells Fargo but they insist on asking for a payment of {$1300.00} and the account was said to be closed on XX/XX/scrub> 2021 this has affected my eligibility to open a new bank account and apply to be a part of a credit union. I demand that the company resolves this issue by immediately taking this negative item off of any and all reporting agencies/services permanently. A big part of this issue was during the time that the said account was opened Wells Fargo representatives country wide were using malpractice and coercion to open up accounts under peoples information with the customer unknowingly being a victim of identity theft. 
Ive given Wells Fargo enough time and have said enough. Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I have tried to use the XXXX to get my Equifax credit report since the beginning of the year but failed. After I entered my personal information as instructed and chose Equifax, XXXX redirected me to Equifax website. Equifax then further required me to put my name and contact info to verify my identity. However, Equifax says " its system can't process my request '' after that even though I could verify my information was correct on Equifax 's own portal or customer care representative ( CSR ). 

The request for Equifax credit report worked in last year and before but it stopped working earlier this year. I contacted Equifax to report this issue on XX/XX/2022. The CSR could not figure out the reason and solve it. I requested to open a ticket but I still have not heard anything. And the problem persists. Equifax should investigate the issue and fix the glitches as soon as possible. Thank you! 

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

Their is a charged off account from XXXX XXXX XXXX XXXX XXXX account number # XXXX in the amount XXXX that should not be reported on my account : it is either another persons with a similar name or identity theft. 

I have maintained a fraud alert on my credit bureau profiles for more then XXXX  years with strict instructions on how to verify me and validate that it is actually I, that is taking out the loans. 
I asked for proof that it was my loan and the lender has failed multiple times to provide it under the rules and regulations outlined for the fair credit bureau reporting process.

I have filed disputes with all the credit bureaus to remove and block said account.i want them to delete and block the following account from being reported now and or in the future.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of a fraudulent account and inquiry on my credit report due to identity theft related to a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), please take immediate action to block and delete the following : Fraudulent Account XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$0.00} Fraudulent Inquiry XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

In late XXXX of this year a contacted a lender about refinancing my current mortgage. During that process it was discovered that I had a past due amount for property taxes totaling XXXX. I checked with the county and sure enough my property taxes had not been paid. This was the first time that I became aware of this. I escrow my property taxes and insurance into my mortgage payment which has been paid on time every month. I contacted my current mortgage company, Freedom Mortgage to find out why they had not paid the taxes. They assured me that they made the payments. In fact, they claimed to have made three ( 3 ) payments ( XXXX, XXXX & XXXX ). After some research on their part they discovered that the payment they sent in XXXX was returned because it was for the incorrect amount. When it was returned they failed to issue a new check and get my taxes paid. I inquired as to why so many checks were written to pay my taxes ( as they were not partial payments but full payments ). They did not give me a clear answer, only that they send bulk checks to the county. However, they claimed that the three checks that they sent on my behalf were not bulk checks but individual checks just for my account. Despite this, they do not know what happened to the XXXX and XXXX check as it was only the XXXX check that was returned for the wrong amount. It would appear also that they waited until the very last minute to pay the taxes because the bills go out in XXXX ( in XXXX county we have until XXXX the following year to pay ) yet they did not send a payment until XXXX. 

In good faith I make my monthly mortgage payments which includes escrow so I expect my mortgage company to pay my property taxes in full and on time. I have now suffered harm as a result because in the process of my refinance the delinquent taxes will now cost me money because it will have to paid by new lender and added onto the loan. Therefore, Im forced to take a higher loan amount if I chose to go through with the refinance due to my current lenders incompetence and what appears to be funneling of money. They need to be thoroughly investigated. Ive uploaded a copy of my annual escrow statement which was sent in XXXX which shows how much was paid into escrow and how much they claimed to pay out, yet my taxes are delinquent. Also uploaded is a copy of the county 's invoice.
Product: Debt collection

Received call from Premier Portfolio Group about a " bad check '' involving my name and social security number. They did not address be my name and only called my unlisted work phone number. I immediately found out there was a scam by searching phone number they left on message. XXXX Premier Portfolio Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX I believe this is the fraudulent company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is continuing to to show that I was late back in XX/XX/2018 when in fact, I was not. I submitted the payment before the account would be considered 30 days past due. However because of the payment cycles, XXXX applied the payment to the following month, instead of making the payment to current month that I originally made the payment. I have called this institution several times, and all they could do is send me statements. Even though XXXX is the CREDITOR they cannon change the information that the CREDITOR provided. Even when I disputed with the credit bureaus, XX/XX/XXXX, XX/XX/XXXX and Experian kept saying that the information was verified. So if the information was verified, and in fact not 30 days past due, then why is it still showing up on my credit report? This is my frustration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Credit reporting Agency Transunion multiple letters regarding alleged loans on my credit report, and asked them to do an investigation on alleged loan accounts. In response I would get letters from them saying accounts were verified through e-oscar with no proof, but computer generated responses. They did not do a thorough investigation. 

Also, these reports appear to have been generated by the same lender so why is the data reporting inaccurate? As the governing credit bureau it is their responsibility to report consistent and most importantly accurate information. Transunion the governing bureau have failed to report correct data for other lenders/potential lenders to view and determine me as credit worthy. Information on accounts are different from other 2 credit reporting agencies.
Product: Checking or savings account

XX/XX/2020Someone gained access on my betterment cash account. Link their external account to my betterment account and transfer all the money amount {$390.00}. I did not receive any email about linking the external. But I did receive email about transfer were made from my account. I checked email 2 day after the transfer was made. I called betterment to inform I did not make any transfer. Betterment try to retrieve the money back, but they could not do it. They also inform me they are unable to help on that matter and can't reimburse any money.
Product: Credit reporting

I HAD A STATE TAX LIEN GARNISHED FROM ME XXXX TIMES AND ITS ON MY CREDIT REPORT AS BAD CREDIT
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX