23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My checking accounts were closed without giving me justifiable cause and they don't want to open personal checking accounts for me and they also don't want to open business accounts for me and I have an employer identification number ( EIN ) that the IRS assigned to me, preventing me from starting to operate with my business which contributes or is a cause of recession, if I can not have a checking account they are preventing me from meeting my financial obligations and paying my debts
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Debt collection

I never live in the property and then I found out that my identity was stolen. Please and I demand the credit bureaus delete this terrible debt off my credit ASAP. Which is XXXX I dont owe you have 5to 10 days to remove it. If you dont Im going to sue. And report to FTC.
Product: Checking or savings account

I am submitting this complaint against Credit Karma for continuing to withhold my funds from my account without a valid explanation and for not providing a clear resolution to the issue. This situation is not only inconvenient but also troubling, as it has occurred multiple times without satisfactory clarification. I have an account with Credit Karma, and I have been experiencing issues accessing my funds. On XX/XX/year>, Credit Karma first withheld my funds without providing an explanation. I contacted Credit Karma to inquire about the issue, and after several attempts, they did not offer a clear reason as to why my funds were inaccessible. 
On XX/XX/year>, I again found myself unable to access my funds, and when I called Credit Karma to resolve the issue, I was informed that it was a " small error '' on their end. The representative assured me that the issue would be fixed promptly and my account would be restored. However, as of today ( the fourth day ), I still can not access my funds. 
This delay in resolving the issue is concerning, especially given that the same problem occurred a month ago, and I was not provided with a clear or satisfactory explanation at that time either. Despite receiving verbal assurances from Credit Karma that the issue would be fixed, I am still unable to access my account or use my funds. 
The ongoing withholding of my funds is causing significant inconvenience and financial strain, as I rely on this account to make purchases as needed.
Product: Debt collection

Hello, I requested validation of an alleged debt from Sage Capital Recovery around XX/XX/2021. I then responded back immediately, via certified mail requesting validation. 

This request was not honored. I have not received validation after 2 attempts which span over 1.5 months. This is against the law. 

In addition, the collection letter does Not bare my name which i informed them of yet they still attempt to collect... 

Furthermore, I this correspondence stated that Sage Capital Recovery now owns this alleged debt ( Once held by XXXX XXXX XXXX ) and that they will now be solely responsible for perusing it. However, XXXX XXXX XXXX continues to correspond with me illegally. 

They are adversely affecting my credit rating with this invalidated, alleged account. I informed them that they must stop reporting this account to my credit reporting bureaus while this account is in the validation stage Yet they continue to report it unlawfully. 

I wont this alleged deb/invalidated account off of my credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their agency has on file that was used to verify the accounts I disputed. The 30 day mark has passed and Transunion can not verify these accounts. Under Section 611 ( 5 ) ( A ) of the FCRA-they are required to... promptly delete all information which can not be verified. " that I have disputed. I am demanding that this issue is resolved as possible. 

Name and Address : Incorrect Name 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account placed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts XXXX XXXX XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, and 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 : 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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: Student loan

I called fedloan servicing on Wednesday. Once I was identified as a servicemember, they transferred me to a Military Team member. This person rattled off a list of services that were available to me a servicemember. I told her that I knew about them and was not interested in them and that I was calling about a credit verification letter only. On Friday morning, I received notification that my general forbearance had been approved. At no point was this ever discussed with me or requested. I called fedloan servicing. Their representative said that she removed it but that was all she could do, and that it might still capitalize my interest, as are the terms of the general forbearance. I spoke with a supervisor who said he would submit a complaint on my behalf internally but could not assure me that they would even listen to our phone call or do an audit of the other accounts this person worked on. Further, if my interest was capitalized then I would have to call and address it again at that time. I do n't know if this is a general practice for student loan borrowers identified as military members but I am concerned that it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on several different occassions to resolve this issue with the credit bureaus regarding   XXXX    accounts being reported on my credit report. There are  XXXX  accounts that are reporting as account settled less than full balance for   XXXX   XXXX   XXXX   however that information is not correct. I previously sent a letter to  XXXX  and they responded with a letter stating that the balance was settled in full. I forwarded a copy of this to all  XXXX  credit bureaus. However, instead of fixing this merely obvious error they just updated both accounts to reflect account meets FCRA requirements. Clearly this was lie and no verification was completed or the response would be different. I sent a previous complaint using this system and they denied the investigation stating the address I provided is not on file however that to is a lie!!! I have attached a copy of my printed credit report that has my address reflected. This company is attempting everything in its power to negate my request and violate my rights. FCRA states I must provide my identity by providing my social security number and I have done so. I will NOT provide any of my bank statements or personal identification to a 3rd party agency that I am not required by law to do so. The address I provided is listed on my credit report and an investigation must be completed!
Product: Debt collection

Someone called me yesterday about a file in the courts for me and they stated that I will be arrested for this debt and they would like to serve me papers because a lawsuit is being filed against me. I tried to ask what is this about and they do not know and they do not have any information for me and stated I need to call a number XXXX, when I called the number again. Someone answered and I said you are calling for the wrong person, the person said he is looking for XXXX XXXX not XXXX XXXX. This place continued to call all my friends all my family and leaving derogatory messages about a lawsuit against me. The other number I called is XXXX. This is embarrassing because my friends and family wants to know what bad business Im doing. I also told them to delete my number and quit calling other people and leaving these legal messages as well.
Product: Credit reporting

I signed up for a one-off credit report from Experian - a service I wanted to receive. After a few months I noticed that I was being billed monthly for {$19.00}. I did not notice this the first 2 months but then I phoned to query it. I was told that when I signed up for the one-off payment there was some small print that said I was given membership of a monthly credit check service that was initially {$5.00} but would increase to {$19.00} if I did not sign out of it. I do not recall this and would not have signed up for any monthly membership - even at {$5.00} - because it is a service I do not want and do not need. I called Experian to cancel the account and get a refund. They canceled the account but would only refund one month 's payments. I want all the payments refunded as they are for a service I did not want or need - and one that I was tricked into consuming when I was only trying to get a one-off credit check - which was the advert that I saw and to which I responded. I am extremely careful with my financial affairs and would not sign up for a service like this. The advertising is particularly misleading as it relates to buying a one-off report but has set up a monthly service in an underhand way. 

I spoke with a manager for whom I have the name and contact ID which I can supply as well as my Experian account number. 

I would be very grateful if you could pursue this case - and publicize the misleading and unfair way in which Experian has acted.
Product: Debt collection

I was scheduled to move out of my unit on XX/XX/year>, in which I moved out on XX/XX/year> due to me XXXX XXXX in another city. I moved out and left the unit in the same conditions that it was given to me with. I soon received a called stating that I owed {$530.00} in which no one ( XXXX  XXXX and the property ) can tell me why I owe such an amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX XXXX, Account # ( XXXX ) added a derogatory mark on my credit report per Experian credit monitoring service. Upon, further research, this account was transferred/sold by the original debtor, and I am not responsible for the account. Debtors ' creditor did not verify this collection and the information contained as accurate. Also, there was NO written form of communication, contract or signature for this accused debt. A bill without a signature does not validate the debt and the information contained within this collections account contains false/inaccurate information, which has been furnished too the credit bureaus illegally. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting

PLEASE STOP DENYING ME AN INVESTIGATION! 
I would like to dispute lien XXXX in the matter of {$5500.00} which appears on my credit report. I have been attempting to communicate and contact Transunion regarding the incorrect and invalid lien and they continue to harass me and ignore me. I have been denied all requested descriptions and procedures and realistically asked to go away and not bother them over the phone regarding the matter. I am appalled at their behavior they are sternly refusing to provide me any proof, documentation and evidence of their investigation and have told me repeatedly that it is not in the " law '' to provide me with any information. 
They have also claimed that they have received NO communication from me reading the matter and that is in fact false. I have faxed and mailed the LIEN Release form XXXX and Form XXXX regarding the disputed lien and they claim to have not received such documentation and communication. This company is clearly not doing their job nor anything legal for that matter. I would like to escalate my matters further. I have suffered tremendously due to their ignorance and refusal to follow the federal guidelines. I have asked for public record documentation an the best that I have seen was a form from 2009 regarding the initial lien. The dates or incorrect and the legitimacy is incorrect and this account should NOT be reporting on my file. I am no holder of a lien nor am I indebted to anyone. I have told them over an over again that the address of the lien was incorrectly linked to my name, as I live their as well. The lien is under a XXXX XXXX at the SAME address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Citi Bank credit card account for over 14 years one of my oldest accounts, that has stopped reporting to credit bureaus which have affected my credit score and credit history, especially now that I was looking to get a new mortgage.

How can you help?

I have talked to Citibank much time, they told me they have email credit bureaus with my account information, but is still not showing in my credit reports. 

Thanks, XXXX XXXX XXXX XXXX Here is my account Information : Member Since XX/XX/XXXXAccount number ending in : XXXX Billing Period:XX/XX/XXXX-XX/XX/XXXXRevolving Credit limit {$20000.00} Available Revolving credit {$20000.00} Account number ending in XXXX TTY-hearing-impaired services only XXXX XXXX   XXXX XXXX XXXX, SD XXXX Includes {$1100.00} cash advance limit
Product: Checking or savings account

XXXX XXXX has been charging me multiple overdraft fee. XX/XX/XXXX ther was XXXX - {$30.00} overdraft fee. XX/XX/XXXX there is XXXX {$30.00} overdraft fees. XX/XX/XXXX for XXXX {$30.00} draft fee.
Product: Checking or savings account

I took out 4 Trust Account before Wellsfargo took over from XXXX. I'm missing one. Your office needs to find it. I took one out for XXXX XXXX (Found); XXXX XXXX (Found); XXXX XXXX  (Found) and XXXX XXXX (Missing). I am very disappointed with Wellsfargo Bookkeeping that causes them to loose this account. None of the children (young adults) cannot close out or should have access without my permission or me being present. The last time XXXX Account was accessed was in XXXX XXXX, South Carolina at the XXXX XXXX They need to get their record and the information. If I have to dig, I am going to charge for my time. I have called about this account numerous time. My last time visiting a facility was last week in XXXX XXXX I have filed several complaints with the department of Banking and Insurance and the Consumer Finance Protection Bureau (CFPB) regarding this account.?
Product: Credit card

On XX/XX/XXXX I paid XXXX to XXXX XXXX to pay off my credit card and the company charged me XXXX in interest following my payment. XXXX usually sends me an email for payment. I did not receive email regarding needing to make a payment. Now XXXX XXXX want a late fee. The XXXX was due on XX/XX/year> which I was not aware of. This bank only wants more money because I payed off my credit card.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma XXXX XX/XX/year> Equifax Information Services LLc XXXX XXXX XXXX XXXX, Georgia XXXX I, XXXX XXXX XXXX am writing with Regards to your Response Letter and notification of Your Completed Investigation. For Acct # XXXX, # XXXX, and # XXXX. Im asking for a Reinvestigation. So after reviewing My Credit Report I question Your Methods of Investigation. 

Debt Collection Violation : under 15 U.S.C. 1601 ( Fair Debt Collection Practices Act ) and 15 U.S.C. 1681n ( Fair Credit Reporting Act ), IT IS MY RIGHT AS A CONSUMER TO DISPUTE ANY INACCURACIES OR DISCREPANCIES IN THE INFORMATION YOU ARE REPORTING! Under the FAIR CREDIT REPORTING ACT ( FCRA ) I am requesting Validation of Debt, under XXXX. How was this Investigation conducted?

Please provide me with Copies of the following information. All Documentation and Communication regarding this matter including but not limited to Names, Dates, and Times Emails, Phone Number, Addresses etc.

( 1 ) Who did you Speak to ( 2 ) What form of communication ( 3 ) What Day ( 4 ) What time ( 5 ) Results Found I have reason to believe that your actions violate the following provisions : Fair Debt Collection Practices Act ( FDCPA ) : Section 809 ( b ) : Communication in connection with debt collection must not be false, deceptive, or misleading. Section 809 ( c ) : Section 809 ( e ) : Validation of debts is required upon consumer request. Fair Credit Reporting Act ( FCRA ) : Section 1681n : Provides for civil liability for willful noncompliance with any requirement under the FCRA. 
I request the following actions to resolve this matter : Provide validation of the debt as required by FDCPA Section 809 ( e ). Cease all collection activities until validation of the debt is provided. Provide documentation demonstrating compliance with FCRA Section 1681n regarding the accuracy and reporting of the debt to credit reporting agencies. If you fail to provide the requested information or continue collection efforts without validation, I reserve the right to pursue legal action under the provisions of 15 U.S.C. 1681n and any other applicable laws. Please respond to this dispute in writing within 30 days from the receipt of this letter. I expect a prompt resolution to this dispute in compliance with federal law. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/XXXX at XXXX pm {$660.00} was withdrawn from my cashapp account. I woke up the next morning to find out the money was missing on my account. And was sent to another cashapp that is not mine. I did not authorize this transaction so I contacted cashapp support on the app, they said they would get back to me in a few hours and never did. I then tried to call and they keep saying they cant verify the information on my account. When I try to ask why they just hung up in my face. I feel so hopeless I work hard for my money. I cant believe they would play with my money like that.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App XXXX XXXX ) due to inadequate customer rvice and unfair practices, which violate XXXX Consumer Financial Protection Act FPA ). Specifically, Cash App failed to take nely and effective measures to prevent a 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 caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Better mortgage has failed to issue a closing disclosure 3 days before the closing date, despite having all documents in hand well in advance. 

Attempts to reach the agent and his team via and phone were completely ignored. An assistant scheduled a callback at XXXX PT on XX/XX/2021 which XXXX XXXX did not call.
Product: Checking or savings account

On XX/XX/2020 I made a {$60.00} purchase via XXXX XXXX. The {$60.00} XXXX XXXX   charge cleared XX/XX/2020 per Capital One and XXXX XXXX. I was expecting a {$60.00} refund from Costco. XX/XX/2020 I checked my account and I had an available balance of {$0.00}, the Costco refund had not yet hit my account from where I could see. XX/XX/2020 I see the {$60.00} credit from Costco hit my account and I now had a available balance of {$0.00}. Capital One held my {$60.00} refund and stated it was for the {$60.00} XXXX XXXX  that cleared on XX/XX/2020 and my account is less {$0.00} with no explanation. According to my Capital One Statement I have one paid {$60.00} XXXX XXXX and 1 pending {$60.00} XXXX XXXX, but they are the same. According to my XXXX XXXX, it only shows the {$60.00} that completed on XX/XX/2020. I called and spoke to XXXX as well as a Supervisor to get this cleared up as the {$60.00} was needed. Capital One refused to help me despite me informing them of my hardship this incident has created. My children and I are stranded away from home and unable to buy food as a direct result of this incident. I was looking forward to the {$60.00} that Capital One stole from me to repair my vehicle and buy food for my kids. My children and I are stranded away from home and without food because Capital One refused to remove the hold for a transaction that had already completed. Now my children and I are faced with an even bigger hardship during COVID-19.
Product: Credit card or prepaid card

XX/XX/XXXX a business partner stole my Navy Federal credit union credit card and made $ XXXX in unauthorized charges buying a truckload of inventory for her personal store. 
I contacted Navy Federal as soon as I found out. They said I didn't report the fraud in time. I filed a lawsuit against the person and won. But she can't/had n't made any payments. 
XX/XX/XXXX I contacted Navy Federal to once again try to be covered by my fraud protection now that I have a court order showing they were not my charges. Once again Navy Federal didnt care, and I'm still stuck paying {$300.00} a month on a card I didn't use. 
Navy Federal did how ever offer a payment reduction plan which I agreed to on all 3 of my cards. 
I had to do an application for all 3 cards which was time consuming and I was instructed not to make any payments until the application was approved which could be up to 30 days. 
Not even a week after applying Navy Federal collections department took payments from my savings account. I wasn't on ach and they hadn't contacted me that they were going to do this. I called the bank they apologized and v refunded the money. The payments caused the applications for my payment reduction to be thrown out the system. I had to reapply again. 
A week later... Same thing happened but on top of cancelling the apps and taking my money they reported all 3 cards 30 days late! During my 7 unit income property being refinanced. My score dropped over 80 points and I was denied a refinance..I spent hours on the phone the last 3 months with supervisors who promised to fix them. Now 6 months later they still haven't fixed anything. 
So I emailed 8 corporate officers including Navy Federal credit union legal team .. Not one person has called. except the cc collections people ... .I now have less then 2 months to save my life and refinance my only income over a banking error that the bank promised to fix but has not.. Causing me great stress, lose of sleep, little appetite, XXXX and more.