23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, I am submitting this complaint on behalf of myself, and in connection with ( 3 ) three letters I sent out approximately XX/XX/2020, to XXXX, Equifax Information Services, LLC, and XXXX  XXXX. They were addressing, several errors and certain unverifiable accounts. I discovered on mu credit report. I requested removal of all errors and such accounts, which could not be verified, after ( 30 ) thirty days passed without a response, I sent out a demand letter of removal on XX/XX/2020, where in had not been provided a response of the nature of any investigation or disclosure. FCRA section 609 ( a ) ( 1-5 ). I did receive a response XX/XX/2020. To my understanding when a Credit Bureau doesn't respond to a consumer 's initial response within ( 30 ) days, they are required to remove all errors and unverifiable accounts, which have not been verified within the prescribed time FCRA section 611 ( 5 ) ( A ) ( i ). Neither have they responded to my demand letter, so I am disputing the credit reporting agencies right to report any unverifiable account which hasn't been validated, by the procedures set out in the FCRA 611 ( a ) ( 1 ) ( A ).
Product: Money transfer, virtual currency, or money service

Transfer to " XXXX XXXX. ", XX/XX/23, {$50.00} via the business Chime. 
Chime apparently sent the money to some XXXX XXXX XXXX ' that had a Chime account, and NOT to the only " XXXX XXXX '' in my contacts, XXXX XXXX, resident of XXXX, XXXX. ( Note the ". '' in Chime 's recipient name. This may be significant. ) Chime app said that it contacts intended recipient, for recipient to give banking # XXXX, if they are not already a Chime account. 
First solution offered via Chime was to contact " XXXX XXXX. '' via the original transaction, and ask, whoever or whatever " XXXX XXXX. '' is, to please return funds erroneously sent to them. I did so. More than a week and no response. 
I filed XXXX disputes with Chime about the original transaction. I explained that " XXXX XXXX '' received XXXX contact or funds via Chime, and that " XXXX XXXX. ", whom Chime sent funds, was not " XXXX XXXX '', or, more fully, " XXXX XXXX '' that existed as the only " XXXX '' in my contacts. I explained that Chime never asked nor confirmed by asking about confirming phone or email or banking contact that they had the correct " XXXX XXXX. '' Chime " denied '' both disputes within a few hours with no explanation. 
I, perhaps foolishly, assumed, that as I had only XXXX " XXXX XXXX '' ( spelled out, " XXXX XXXX '' ) in my contacts, that that was to whom Chime was sending the {$50.00}. 
XXXX a fraudulent scheme where accounts are created with common first name and XXXX versions with first letter of last name : XXXX XXXX XXXX ', XXXX XXXX. ', XXXX XXXX ', etc.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXX AUTO Date of Inquiry XX/XX/XXXX, COAF Date of Inquiry XX/XX/XXXX, XXXX MOTORS XXXX Date of Inquiry XX/XX/XXXX, XXXX & XXXX BANK XXXX Date of Inquiry XX/XX/XXXX, CAPITAL ONEDate of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, TBOM/MILESTO Date of Inquiry XX/XX/XXXX, XXXX & XXXX BANK Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Credit card or prepaid card

On XXXX around XXXX XXXX, I was making payment on one the credit card accounts by Citi Bank . I noticed that the available credit shows {$0.00}. I contacted the bank, and they told me that credit card closed on XXXX/XXXX/XXXX. They did not disclose the reason and said that I would receive notice by mail. After I hang up the phone, immediately checked the other 2 credit card accounts from Citi Bank and they were closed as well. 

THE ACCOUNTS CLOSED BY CITI BANK : Citi Shop your way- XXXX Citi XXXX XXXX City Best Buy- XXXX After conducting researches, I found out that the bank must provide reason over the phone. I contacted the bank again and spoke to XXXX from team XXXX. He told the same, I would receive notice by mail. When I said XXXX, that he can not refuse to disclose the reason over the phone, he placed me on hold for about 15 minutes and transferred the phone to account specialist. 
XXXX from crew XXXX provided following reason : " Due to the amount of recent inquires for the credit line increase, they decided to close all the accounts. '' I replied that never been late on any of the credit cards payment, some of them recently were paid off and have spending limit less than 30 %. 
Some credit inquiries are old and some credit line provided to me automatically by the bank without even requesting credit line increase. 
I requested to reopen the accounts and received the following reply from XXXX : " Once accounts closed they can not be reopened. '' When I advised that I spoke to Consumer protection agency and they said that bank could reopen closed credit card accounts, she just replied, " This is a Citi Bank internal policy, and she can not reopen the account. '' I advised XXXX that I am now recording our conversation because she is lying and she hang up the phone. 

After all this, on XXXX/XXXX/XXXX, I noticed that Citi Bank charged me {$27.00} late fee on card ending XXXX. The due date of the card was XXXX/XXXX/XXXX. The payment of {$100.00} was made on XXXX/XXXX/XXXX around XXXX XXXX. I called Citi Bank, and without reviewing the account, they said that they did not receive payment. When I advised conducting researches the account specialist reply that she will waive the fee. I made additional {$18.00} payment close the balance over the phone and specifically asked to email me that the balance is {$0.00} but of course still waiting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXXXXXX ) XXXX  Balance : {$2100.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX XXXX Inquiry : XX/XX/2022.
Product: Vehicle loan or lease

Last year XX/XX/XXXX Our company bought XXXX XXXX XXXX XXXX account number : XXXX. 

Right after ( XX/XX/XXXX ) we found electrical problems dealership fixed them but problem continued and a XXXX  complaint was filed, On XX/XX/XXXX our truck was in an accident the electrical problems continue and dealership blamed them on the accident, we file a complaint with XXXX resolutions management XXXX XXXX with phone number XXXX ext XXXX was the person in charge, dealer continued to blame problems on accident kept the truck for longer than needed and a rental reimbursement was implied on our email, phone conversations at the end XXXX resolutions and dealership denied the reimbursement and due to their very busy schedule they didn't begin any work, we picked up truck and fixed it with someone else, all conversations were recorded and emails kept on our files for future escalation. Our insurance paid for the repairs with checks that were sent to XXXX according to their procedure, repairs were actually paid from our pockets and now we are requesting our reimbursement, when we call customer service it seems like the information is not properly managed with people telling us different information. 

We ask for our reimbursement to be completed as soon as possible if you need to review the case ( s ), complaints internally that would be great, it would help us all very much, We are very disappointed with all this negligence but XXXX has better quality than XXXX for our line of work please help us to stay with you.
Product: Payday loan

I had a cash payday loan with cash express have been paying until I got in a finical bind, I tried to talk with them to see if they had some kind I payment plan or something I could do to make paying easier they said no and refused to work with me, now they have started harassing me by calling my home demanding money and also come to my home demanding their money and leaving letters on my door when I am not at home is there any way to stop them from coming to my home
Product: Money transfer, virtual currency, or money service

I wanted to transfer my money from Robinhood to my bank. They asked me to verify my is on app. I tried like XXXX times but it didn't verify that. So without verification, I couldn't transfer money to bank, but from bank to Robinhood works perfectly fine. 
Then I was contacted and asked questions. I called them and replied. I was told on XXXX XXXX that they'll respond me by XXXX. They on midnight, they extended to XXXX and on XXXX they extended to another day. 
I am in need of my own money for some medical purposes immidiatly. Neither they are verifying my id nor they are replying at all.
Product: Mortgage

In XX/XX/XXXX my ex husband abandoned our family and the debt acquired together. Since then I have tried to assume the HELOC in my name, unfortunately, to no avail. In the process I have requested a copy of the loan, again, to no avail. In addition, I found out that Bank of America changed my address, without permission or reason, and all of my personal and confidential information was being sent to an unknown person/address. I contacted them for years to rectify this and they refused. I did everything asked of me including sending a letter stating that never was my address and provided the correct address, which by the way is the address on the loan. With that said, I continued to make my payments through my online account, which I set up to avoid lack of payments. In the Fall of XX/XX/XXXX, Bank of America blocked my payments from the site. When I called to inquire, they stated that the payments have increased yet, still refused my payments or to send me a copy of my loan. I contacted the NYS Banking Dept who referred me to you. At this time I have been in constant contact with multiple representatives who have refused to either return my calls or help resolve this issue. They have also refused to provide information on why they sent my protected, confidential information illegally to a random address. Some of the mailings had requests that had an expectation of an answer from me and of course could not happen since I was unaware of the mailings because they were sent to an unknown person. Lastly, I recently spoke with a representative from Bank of America, XXXX XXXX, who refused to settle the loan and told me that I must file a loan modification. I am not looking to modify the loan, I am looking to be free of this loan with this bank who has taken no accountability for the trouble it has caused me. They sent my confidential information to an unknown person, they refused my payments and then put me in foreclosure, and now they are refusing to settle the loan so I can pay them off. I am begging for help. Thank you.
Product: Credit reporting or other personal consumer reports

AMERICAN EXPRESS improperly used my report and got a inquiry on my report on the date of XX/XX/2022. Which they fail under the consumer law, the FAIR CREDIT REPORTING ACT.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX - XXXX - XXXX - {$14000.00} XXXX XXXX XXXX XXXX XXXX - XXXX - {$500.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

I have taken out three different credit cards that all were through XXXX XXXX. One was with XXXX XXXX XXXX, one was with Care Credit, and the other was with H.H. Gregg. I became past due on paying my bills back in XX/XX/XXXXXX/XX/XXXX. Since then, I started receiving phone calls five or more times a day from various phone numbers that all were connected to XXXX XXXX. When I would pick up the phone to answer, I would have to wait while it automatically transferred me to somebody who was going to be speaking to me on the other end. This was the first red flag to me that showed they were violating my rights protected by the Telephone Consumer Protection Act by using an automated telephone dialing system to contact me. I made them aware of how my rights were being violated without my consent and asked them to please stop, they did not. Another example of how my rights were violated began in late XX/XX/XXXX when they began to leave automated voice mails on my phone without my consent. This too was a violation of my rights protected by the T.C.P.A. and I once again made them aware that my rights were violated and asked them to stop. They did not stop leaving those messages either. I have saved voice mails dating back toXX/XX/XXXX that show how they left those automated messages daily, sometimes even multiple times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... When I investigated my credit report, I realized that some of the information was erroneous. The Transunion credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX, XXXX XXXX PA, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Debt collection

On XXXX around first week of 2023. I noticed there was a debt collection {$6800.00} on my XXXX XXXX account opened on XXXX XXXX from XXXX XXXX XXXX with original creditor XXXX XXXX. I disputed it with transunion discussing I never opened a XXXX and has been with XXXX XXXX XXXX  for 10 years now. I have never missed payment with XXXX XXXX XXXX and always completed my payments. I will also not spend this much amount in wireless. My dispute was denied and this is still showing on my credit report on debt collection. I have been working hard to pay my student loans and credit card payments and to have a debt that is mine is heart breaking.
Product: Debt collection

Per the FCRA, as a federally protected consumer, Im now opting out of any an all authorization I the consumer may have given you. written unwritten, verbal nonverbal Per 15 USC. 6802
Product: Credit card

Incident Summary : On XX/XX/XXXX, Navy Federal Credit Union withdrew {$1900.00} from my account without my consent, about a credit card that I reported to them as fraudulent and now appears to be in collections. 

I have an Identity Theft Policy, as my identity was stolen in XX/XX/XXXX. My credit report has multiple inaccuracies, including three names I did not provide, and a house purchase I never made. These issues have significantly impacted my credit score. 

I previously filed police reports and contacted Navy Federal numerous times regarding the fraudulent nature of this credit card. Despite informing them of the identity theft and the fraudulent activity on the account, they have not assisted in resolving this issue. 

In XX/XX/XXXX, Navy Federal sent me a letter offering to settle the debt for {$900.00}, but before I could respond, they debited {$1900.00} from my account, citing the credit cards collections status. This action was taken despite my long-standing claim that the card was obtained fraudulently and should have been handled as part of the identity theft case. 

I have already provided police reports and other documentation proving my identity theft, and I am requesting immediate assistance to reverse the unauthorized withdrawal and resolve the ongoing issues related to this fraudulent credit card.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I requested withdrawal of my XXXX XXXX from Coinbase. They told me that I would receive an email to authorize the withdrawal in 48 hours. I have followed their directions and have yet to receive the email to initiate the authorization and withdrawal. XXXX ID : XXXX I have not received any correspondence back from Coinbase.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Bloc, Inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected. Furthermore they're dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These Action 's HAVE CAUSED SIGNIFICANT INCONVENIENCE AND FINANCIAL LOSS AND I SEEK APPROPRIATE REDRESS FOR THESE VIOLATIONS.
Product: Checking or savings account

I received letters from the risk management dept of Wells Fargo telling me they were closing all my accounts. my 2 business accounts, my business savings, my 2 business lines of credit, my 2 personal accounts, my personal savings, my personal credit card, my personal line of credit, ALL my accounts. I have been a loyal customer of Wells Fargo for 34 years and all my accounts were in good standing. I thought this had to be a mistake so I spent endless hours on the phone talking to supervisor after supervisor seeking higher authority asking them to please correct this or give me an explanation. No matter who I spoke with all they said was it was a business decision and they don't have to give me a reason. This caused me thousands of dollars of my time and has caused me so much stress trying to seek answers and spending endless hours on the phone and searching for a new banking institution, setting up all my account, bill pay, ACH withdrawels, etc. My business is complex and this caused me at least 2 months of my time and the stress has been overwhelming. I even went in to the local branch and the manager could not give me any answers as they have no authority and I suppose if they stuck their neck out too far they would get fired. Wells Fargo is a Dirty bank that abuses their customers because they can get away with it. This has affected my credit score because of them closing my credit card and credit lines. I owe a balance on 2 of my business lines of credit totaling {$150000.00} and they are telling me because they are closed I need to pay them in full and they can not restructure them into a simple interest loan. They turned me over to their small business collections and offered me to pay 60 % of the loan and they would write it the rest off but it would affect my credit score. I can not come up with that kind of money nor do I want to harm my credit score. They have put me in difficult position along with the many hours, money and stress that comes with it. Last month I saw a few articles regarding Wells Fargo closing peoples accounts that shouldn't have been closed. A year ago we refinanced a home though a broker and Wells Fargo bought the mortgage. This last XX/XX/XXXX we moved and bought a home and Wells Fargo bought that mortgage so we are good enough for them to buy our mortgages but they cancel all my other accounts? This company needs to be accountable for their actions. I have attached some of the letters I received from them cancelling our accounts. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that these inquiries was not going to be hard pulls due to the fact I was apply for business funds. 

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

I recently opened a American Express card. I love the card, using it, and its benefits. 

But my question that I am unable to get an answer, is when I applied I was told and led to believe it would be a hard pull. But there were two hard pills for a single account.