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

Fraud accounts were opened with my social security number. I've went to every measure to have these accounts removed from my report including contacting the Nevada Attorney Generals office because XXXX XXXX  refused to remove the account from my credit report. I have requested documentation from the from the company proving that the account did indeed belong to me but i was denied because of verification!! Obviously because it doesn't belong to me but now I don't know where to turn fighting this corporate giant and have them remove this account off of my credit. 3 Credit Bureaus removed the account from my report as of XX/XX/2021 but XXXX reported the fraudulent balance once again and it is back on my on my report. It was recently removed from XXXX but I am still having a hard time getting this problem resolved with XXXX and and Transunion.
Product: Credit card or prepaid card

There have been 3 occasions in the last 18 months where I was charged with a late fee, one of which was dismissed, the other two were not. There is a pattern here that I find disturbing. Every month I mail my XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, CA ) and Comenity ( XXXX XXXX XXXX, XXXX XXXX, TX ) at the same time as they are both due on the XXXX of the month. The receipt of payment for the two companies is interesting : XXXX and Comenity Sent XX/XX/XXXX XXXX received XX/XX/XXXX Comenity received XX/XX/XXXX ( late fee {$25.00}, dismissed upon contacting Comenity ) XXXX and Comenity Sent XX/XX/XXXX XXXX received XX/XX/XXXX Comenity received XX/XX/XXXX ( late fee {$25.00}, not dismissed upon contacting Comenity ) XXXX and Comenity Sent XX/XX/XXXX XXXX received XX/XX/XXXX Comenity received XX/XX/XXXX ( late fee {$34.00}, not dismissed upon contacting Comenity ) The post office tells me that the delivery to XXXX XXXX should be 3-5 days. My online research has indicated that Comenity is highly reported to charge late fees inappropriately. I find it very concerning that no matter when I send payment, it posts a shortly ( 2 times, 1 day ) after the due date. 

Since I am a semi-retired senior who is on a limited income and who values my credit rating, I will not be doing business with Comenity again.
Product: Credit card

My banking/checking account with Bank of America was compromised. I received several new debit cards after the others were closed, somehow they, too were compromised. I asked Bank of America if it could be a specific vendor I was using, possibly they were obtaining my information. The claims totaled to nearly {$5500.00} over the course of about XXXX weeks. Bank of America denied my initial claims, I had them reopen the claims and explained to them that I was out of the country during a portion of the time when the charges were made. The charges were all foreign transactions, with untraceable web addresses, Bank of America said they denied the initial claims because it did n't seem " suspicious '' enough. That is literally what they told me. They said if it was a true act of fraud, the thieves would have made larger transactions instead of back to back, repetitive, same or similar amounts, less than {$50.00}, over an over. I do not understand how they can justify their reading on that. They asked me to send them information proving I was out of the country, on a cruise, which I promptly did. They postponed the " resolution '' of my claims XXXX different times. The whole process has taken over a month and a half to come to them denying the second round of claims. They told me after the initial denial that it seemed suspicious that the thieves were able to get my new debit card numbers from the temporary card and the second permanent card. Well of course it 's suspicious. The whole thing is suspicious, that 's why I reported it in the first place. I explained to them that I initially thought that the foreign transactions had something to do with the cruise line having my card & perhaps they were " charging as I went '' on the vacation, that was n't the case, the charges had nothing to do with the cruise line. This whole situation has been extremely stressful, as the amount is quite large, it 's irritating to me that Bank of America seems to not really care whether or not the money is credited or not. I thought that there were laws and Acts in place to protect consumers from things like this. Situations like this is why people do n't trust banks. I just need some advice or assistance in getting my money back, I 'm to the point now where I 'd almost accept even a portion of what was stolen, I just need some sort of resolution. ASAP. Thanks
Product: Payday loan, title loan, or personal loan

Check Smart ran my check through the bank on XX/XX/2018 for {$470.00} after a collector in at the corporate office Community Choice Financial advising me that they were going to set me up on a payment plan on XX/XX/2018. They refunded some overdraft fees, but not all. The check went thru my bank on XX/XX/2018, and they still have me in a database with XXXX that says that I have an outstanding loan for {$400.00}, even though I have emailed my banking statements to them, per thier request on two different occasions. I have received a Paid In Full letter on Friday, XXXX XXXX but they still havne't taken me out of the XXXX database which prohibits me from dealing with anyone else that utilizes the XXXX database. I spoke with them today, and was advised that they submitted a request to refund the remianing {$12.00} that they owe me. However no information can be provided to me as to why I am still in the XXXX database 13 days after they were paid in full. Thee people involved are the original collector that I spoke with on XX/XX/2018, but I don't remember his name. The other people involved are XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. XXXX was involved, but she is the only one that has truly tried to assist me by emailing me a Paid In Full letter on XX/XX/2018. However, no one seems to be able to give me any information as to when I will be taken out of XXXX.
Product: Credit card or prepaid card

XXXX A transaction of {$11000.00} went through to a citi autopay that I did not authorize nor have this citi account. I have called citi about this weird credit card that was opened and someone making transaction on it before. I have called some few years? before back to have it closed when I noticed the first attempt of this credit card being used. I called citi to have it closed and/or was told I do not have this citi credit card account? as far as I remember. However, a transaction was made today from my XXXX under the same citi credit card issue I have complained about it being used/opened not under me. I have asked for investigation from both XXXX and Citi. I do not know from Citi if there is an investigation under way XXXX made multiple attempts spending hours on hold and being transferred to different people. Had gotten hold of multiple individuals stating they will start an investigation, close the account/credit card and will refund the credit back. Had requested for names but customers service members refused to give their name. 

XXXX ( time is XXXX ) called Citi multiple times, reach someone stating there is no such investigation opened at all. I requested for a supervisor but the person on the phone cut me off. She hanged the phone up on me. phone number- XXXX
Product: Money transfer, virtual currency, or money service

So Ingo Money initially through XXXX XXXX XXXX XXXX was a great banking alternative for me. I work full time, and am unable to get to a bank due to my hours. However, they closed my account with no explanation and the only banking I did was with my payroll check as well as money orders. So there was no " iffy '' transactions being made. I am sitting here at work on a Saturday still trying to figure out what happened. They made $ money off my deposits etc. tried to cash two checks. Both were properly endorsed and made out to me, both were returned for nondescript reasons. They were tax return checks so I highly doubt there was insufficient funds. The first time it waited about an hour then returned it as declined. The second time it said my transaction was processed but the next day said it was rejected. Again, these are tax refunds so they didnt bounce. 


App doesnt do at all what it claims and the errors it kicks back are useless making it all the more frustrating. I realize they wont tell you about the writers bank because they claim they cant. Even though thats not true because if I took the check to the bank they would say the funds werent there to my face. 


I expect an actual reason why my checks were rejected but no just got a vague heres a list of possible reasons none of which apply to YOUR checks ... .infuriating. 


Lastly, there is no resubmission of a check. Once they reject it they basically tell you to go somewhere else not how to fix it so they will cash it. Again, useless.
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress andXX/XX/XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Wellsfargo account being reported to my XXXX credit file Ive contacted Wellsfargo and XXXX for months now Im still have not resolved my the problem. Ive provided to them supporting documents including a police report and the identity theft affidavit from the FTC showing proof Ive been a victim of Identity theft and that this account does not belong to me and they have refused to remove this account. I have contacted them via phone, email, mail and reported this fraudulently opened account and they just keep giving me different excuses each time of why they do not remove it! I do not know what else to do.
Product: Debt collection

After reviewing my credit file I noticed a derogatory account from mcm.I sent a debt validation letter to MIdland Credit XX/XX/2021 certified mail. Midland never spoke to me in person before reporting this alleged info. They also never sent a debt validation notice.they never gave me information on how to dispute the debt. They also NEVER included a tear off form for me to send back to dispute the debt or take other actions. They also never sent me any information about my debt collection rights before reporting this alleged information. Pursuant to XXXX5 usc 1611 Midland Credit Management is criminally liable. They are also liable for each FDCPA violation pursuant to 15 usc 1692k.
Product: Debt collection

They call and ask for location information. They fail to identify themselves as a debt collector. Saying it's a legal notice, but they don't even say who they are looking for.
Product: Money transfer, virtual currency, or money service

Coinbase has received XXXX tokens which were directed by the developers to be distributed to participants who participated in the XXXX XXXX XXXX. It uses the same infrastructure and method of airdrop as the XXXX  token which Coinbase publicly announced that they will support it. The XXXX and XXXX XXXX  are 2 XXXX  using the exact same infrastructure and method of distribution from the same developers but Coinbase is claiming that they can not distribute it because the infrastructure does not support it ( blatant lie ). Coinbase is currently holding millions of dollars worth of XXXX tokens from their rightful owners.
Product: Mortgage

Home Point Financial has not paid my property taxes, which were due in XXXX, nor my insurance which just became past due. I have spoken with them three times since XXXX trying to get the taxes paid and have been assured each time that a check was being sent. However, I called the county today and they still have not received payment. So the taxes are now two months past due and I am also concerned I am going to lose insurance coverage for the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was in forbearance status from XX/XX/2020 to XX/XX/2020. My first payment was due XX/XX/2020 ( see attached letter ). I paid the XXXX payment on XX/XX/2020 and the XXXX payment on XX/XX/2020 ( see bank statement ). The late fee is not added until the XXXX of the month. Both payments were made well before this date. I called XXXX XXXX XXXX  in XXXX and was told that my account had not been coded as being in repayment and so the XXXX payment was never applied instead it was placed in a holding account. So, a late fee was incorrectly accessed and it made my XXXX payment appear short. Accordingly, no payment was reflected for XXXX or XXXX XXXX because it was indicated as a partial payment ). I was told in XXXX that the problem created by the bank failing to apply the XXXX payment had been corrected. I was also told that there had been no negative reporting to the credit bureau. I obtained my credit reports and the bank reported a 60 day late mortgage payment in XX/XX/2020 although my payment was never late. The bank created this issue by not applying the XXXX payment. I have been denied credit due to the bank 's negligence. I need this problem corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle for a 2020, due to the fact that I have an old car and it it soon going to break down. I was at the dealership and they denied giving me an auto loan. I asked them why and I didn't get an explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site, pulled a copy and now I am even more upset that someone has been using my name to open up accounts that should of never been opened. These accounts are not mine, I need them removed as soon as possible from my name. Thank you. 

XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX {$900.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX {$170.00} XXXX XXXX  XXXX {$200.00} XXXX XXXX  XXXX {$850.00} XXXX  XXXX {$4200.00} XXXX XXXX  XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX {$1000.00}
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to seek your assistance with an ongoing issue involving XXXX XXXX XXXX. Despite numerous attempts to resolve this matter through dispute processes, the inaccuracies persist and are affecting my credit profile adversely. 

Account Information : Account Name : XXXX XXXX XXXX XXXX XXXX : Repossession and sale of vehicle, missing Right to Redeem, 1099-C, and Notice of XXXX XXXX XXXX XXXX repossessed and auctioned off my vehicle but failed to provide me with the following essential documents : Right to Redeem : I did not receive a notice or any opportunity to redeem the vehicle before it was sold. 
1099-C Form : I have not been provided with a 1099-C form, which is required for reporting canceled debt. 
Notice of Deficiency : I did not receive any notice of deficiency that details any remaining balance or deficiency after the auction sale. 
I have disputed this account on multiple occasions with the credit bureaus, yet the inaccurate information continues to appear on my credit report. This lack of proper documentation and notification constitutes a violation of my rights and is being inaccurately reported on my credit profile. 

I urgently request the CFPBs intervention to rectify this situation. I demand the immediate removal of this account from my credit reports due to the absence of proper documentation and the failure to follow legal requirements regarding repossession and debt collection. 

Your prompt assistance in addressing this issue and ensuring that my credit report is corrected is greatly appreciated. 

Thank you for your attention to this matter.
Product: Checking or savings account

I had an account with Chime and on XX/XX/2023 there were 3 transactions into my account that I didnt make or approve, actually 2 of 3 transactions and the 2 of biggest ones were even for an actual company. There was a debit at XXXX for {$650.00} USPS XXXX ( fake ) and then the same fake company again debited {$700.00} at XXXX XXXX. There was also another smaller debit at XXXX for {$28.00} from XXXX of which I didnt make. I disputed these charges with Chime and notified me after 2 days and said they had investigated and the dispute was closed and I wouldnt be getting any of my money back. I asked for information on the investigation to no avail, I only received the same information I had given them. I am a disable dialysis patient. I had to borrow money to pay my rent after incurring extra fees. I lost my car insurance. I need help getting my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number : XXXX  Account name : XXXX XXXX XXXX In Date opened : XXXX  Balance : XXXX This account was opened I had no acknowledgment of it it is not my account it should be not on my credit it should be taken off immediately I have reached ou
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed a complaint against Car Credit for their unauthorized inquiry reporting on my Consumer Report, and the company responded on XX/XX/XXXX, stating there's no record in their database of me. 
Asking for the date of the inquiry, which was on XX/XX/XXXX, through XXXX and XXXX. 
Also, the company has asked me to provide a screenshot of the inquiry in which i have done!
Product: Credit card

I found  XXXX   XXXX  CA  XXXX   US h as charged me on my  Chase Visa card  since  XXXX  {$0.00},  XXXX  {$9.00},   XXXX   {$19.00}. I do not have an idea about  XXXX  and how they got my visa card information? I have looked up  XXXX  and found many people were charged without any idea of  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 - XXXX XXXX I have no knowledge of this inquiry and didn't authorize this company to check my credit.
Product: Credit card or prepaid card

XX/XX/XXXX service plans at best buy cancelled finally XX/XX/XXXX and XX/XX/XXXX refunded to Citibank but Citibank says they don't really have credits and the refund can take 30 days from the time they are refunded from best buy to my credit card to get credited toward balance and I will need to pay them in order to avoid interest. This is unacceptable to expect me to pay on something that has been refunded already and it not there will be late fees and interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , 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 and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their 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 actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

" Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding an issue with a bank account that was paid off and closed with XXXXXXXX XXXX  XXXX. '' This action was taken in XX/XX/2020. I have reached out several times about the matter. I was told by customer service everything will be update
Product: Mortgage

i made by last mortgage payment on XX/XX/XXXX But back in XXXX I was in a foreclosure process and I apply to the Hardest Hit Program and they paid what I was behind to bring my mortgage current But because of the foreclosure there were lawyer fees and the Hardest Hit Program will not pay lawyer fees. In XXXX when I spoke with customer service with Bank of America they said I could make payments on the lawyer fees. So in XXXX i made a {$200.00} payment When I called in XXXX to Make a {$500.00} payment they refuse the payment Because they said my loan had mature on XX/XX/XXXX so I can no longer make payments on the lawyer fees. So now I needs to pay the lawyer fees in full by XX/XX/XXXX or if fail to satisfy the fees may result in a foreclosure. So any information or help you could give me would be greatly appreciated Thanks
Product: Credit card

We, XXXX XXXX XXXX, encountered a credit cards transaction problem. The received credit card payments were reversed at some point of transaction and did not come to our account. 

We have lost {$36000.00} for the XXXX through XXXX years because Wells Fargo XXXX XXXX returned payments to our clients. They said that account closed since XXXX  without our knowledge, but we have all the receipts from the transaction. We worked extremely hard to earn this money. Any attempt to recover money from our clients was unsuccessful. Wells Fargo XXXX XXXX is responsible for their action.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), it is illegal for any company to pull or access my credit report without my explicit consent. The presence of this unauthorized inquiry on my credit report not only violates my rights but also negatively impacts my credit score. I expect the credit bureaus to uphold their legal responsibility to ensure that only authorized and legitimate inquiries appear on my report. This entry is a direct violation of that responsibility and needs to be corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last year I have submitted numerous disputes about incorrect reporting and nothing was done. I found my payment history finally and sent it to Equifax and XXXX on XX/XX/XXXX, with my payment history showing incorrect reporting. XXXX deleted it Equifax sent me an email on XX/XX/XXXX and said that they verified it as accurate and then after a phone call asking why, she said they go buy what the debt people send back to them even if I sent in proof. The next day my XXXX and Equifax score. Dropped XXXX points. My XXXX stayed the same. They have done this every time I disputed it causing my score to be drastically low. This is illegal and my rights are not being protected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to unlock my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an APPROVAL letter from the IRS that was sent to  XXXX   County Circuit Court instructing them to remove the Tax Lein entry on my credit repor ts, I contacted the courts and they stated that they have no procedure to verify records with the credit reporting agencies. But the Credit Bureaus TransUnion, and   XXXX   did not remove the entry, but  XXXX  remove the entry after I sent a certified letter to them concerning this matter.