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

( XX/XX/2020 ) My loans was cancelled and account suspended for 90 days because : " Your loan request has been cancelled for the following reason ( s ) : Unable to verify identity, employment, credit history, income or other information on the application. '' ( email from XXXX ) I applied for a loan on XX/XX/2020 on the XXXX Website. In their loan documentation, they stated they would call if further information or clarification was required. They did not contact me before suspending / cancelling the loan. I called this morning ( XX/XX/2020 ) to find out what was missing or going on. ( XXXX XXXX  ) The recording I heard about my account, before talking to someone, said the loan was incomplete. I talked to agent # 1, who could really do nothing or tell me what was missing, I asked for a manager but that department was closed for another 15 min. This person also told me that my credit report from " TransUnion '' may not have matched what I wrote in the application but when I checked everything matches, maybe how I named my employer is different than the report. That in my mind could have been solved in a 30 second phone call. This agent # 1 put me on hold to then disconnect my call ( XXXX ). 
Called back the same number and had to explain the entire situation again to agent # 2, who couldn't do anything and passed me off to the " XXXX XXXX '' group, which was now open. Talked to agent # 3 and once again could not tell me anything on why, what information was needed or what happened. Instead the answer was : " we can have a different department email you '', but no one from this department takes phone calls. I even asked for someone else that could help on the phone to get this solved quickly, but the answer was that there is no one else that I could be transferred to. 

So now I can't do anything for 90 days to correct the whatever information didn't match, or to even find out what is actually wrong. Their contract said that they would contact me if any issue was encountered during the verification process, but I received no phone calls nor emails. 
My credit score is going to take a hit because of the hard inquiry, and I have worked hard to recover the score after a bad divorce where I was stuck with all of the marital debt. I have no one to contact because I have to wait for THEM to email to me, if they even bother. 

The time frame from the submittal of the loan request and suspension was less than 24 hours with no information, requests or phone calls. At no point does it say I was denied or the loan was cancelled for reasons of credit or credit history.
Product: Credit reporting or other personal consumer reports

Subject : Illegal Credit Report Inquiry by ELAN FINANCIAL SERVI FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against ELAN FINANCIAL SERVI for unlawfully accessing my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b ( f ). On XX/XX/year>, ELAN FINANCIAL SERVIperformed a credit inquiry without my authorization or any permissible purpose as defined by the FCRA.

Under 15 U.S.C. 1681b, companies are required to have a permissible purposesuch as a credit transaction initiated by the consumer, a court order, or a business transaction that requires access to my credit informationto lawfully pull my credit report. I have no such relationship or outstanding debt with ELAN FINANCIAL SERVI that would justify this inquiry. This unauthorized credit pull has negatively affected my credit score and caused undue stress.

As such, I am seeking the following : 1. Statutory Damages : Pursuant to 15 U.S.C. 1681n ( a ), I am requesting statutory damages in the amount of {$1000.00} for willful noncompliance with the FCRA.

2. Actual Damages : I have suffered harm, including emotional distress and potential damage to my credit standing, due to this unlawful inquiry. I reserve the right to seek actual damages in addition to statutory damages. 
Please investigate this violation of my consumer rights and take action against ELAN FINANCIAL SERVI to prevent future illegal activities. I also request that the unauthorized inquiry be removed from my credit report immediately. 

Thank you for your attention to this matter, and I look forward to your timely response.
Product: Credit card

I contacted the company by telephone on XX/XX/2023 to inform them of my new mailing address and that I required a new card to replace my expired XXXX. I was told that my account would be updated, my new card would be mailed and that this would be initiated without any issues. 
On XX/XX/2023 when I attempted to activate and use my new XXXX, I was unable to do so. When I then contacted Destiny MasterCard/Concora credit, I was told that there was a security block placed on my card due to suspicious activity. When I inquired as to what this activity was, I was informed that it was the change of address that I had requested ( the only such change I had ever requested or listed on my history in approximately XXXX years ). Subsequent to XXXX phone calls and conversations with no less than XXXX different XXXX credit representatives, I was told that there was no solution available that would lift the block on my card short of my mailing in a paper copy of my drivers license ( also disregarding my " electronic communication '' account preferences ). Despite my requests to speak to XXXX different account managers and my insisting that my license would reflect my prior mailing address, my offer to email in the license instead and my telling the representatives of my need to access my card, there was no solution offered to me aside from long telephone holds. 
I this closed my account out of sheer frustration and disgust with these business practices. Credit card companies are known for their predatory behavior, but this company goes far beyond what I've experienced in terms of total disregard for customer service and desire for expediency in any realm aside from collecting capital from its customers. 
I don't know whether anything can be done with this complaint, but I hope that it brings some degree of awareness to someone with the ability to hold Concord credit accountable.
Product: Money transfer, virtual currency, or money service

Binance has locked my account and given NO way to reverse this unlawful action. They have NO physical address, no mailing address, no email address, no contact portal, no customer service department, and no phone number. They locked it because I took too long to transfer my money out. I took too long because NONE of the processes on their website allowed me to transfer my money. And now, NONE of the processes they offer on their website to correct this situation leads to any resolution, proving they are participating in an illegal act of stonewalling and deception. Every link leads to an endless loop of links and logins that circle back to the beginning. I have spent XXXX weeks attempting every possible solution with XXXX success. They suggest you open an account at their sister company, Binance.us in order to transfer your funds over, but that entity also participates in this illegal activity by holding your account status until your Binance account gets locked. I opened an account at Binance.us, at the suggestion of Binance, to transfer my money, but the " verification process '' has taken so long, that my Binance account was frozen. As of today, some XXXX weeks later, my Binance.us account is still not verified. I doubt it will ever be. This is XXXX, plain and simple.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was exposed in the XXXX, Transunion, XXXX XXXX breach. I pulled my credit reports and noticed that I had a lot of unauthorized and inaccurate accounts that I did not consent to. I didn't consent to opening these accounts and I did not consent to the credit bureaus furnishing these unauthorized and inaccurate accounts. this is not fair to me because this is ruining my reputation with the banking system. I need these accounts removed immediately.
Product: Mortgage

Hello, This could also be under XXXX exploitation during a healthcare crisis. My dad signed on with Reverse Mortgage Services in the fall of 2014 right after his son died in the home on hospice and his wife died a year prior in the home on hospice as well. After my younger brother died in the home my dad also began to have symptoms and later that fall discovered he had XXXX XXXX He began XXXX that summer into fall. Somewhere inbetween his diagnosis and his XXXX XXXX began phone calls in the area and my dad was confused from XXXX and beginning signs of XXXX and lonely. He felt the salesman was like a friend. I didn't get involved until it was too late. My dad was stubborn but his confusion was evident and he also contracted another XXXX after beating the XXXX XXXX. His second XXXX was XXXX. He got much worse. I stepped in and came over when I could. I covinced him to do a durable with me and so I began to look into his many financial problems. XXXX was sent my durable POA which was drafted by an attorney. They refused to speak with me and charge my dad fees. I was working in the medical field and trying to also get my dad on VA benefits. My job was jepordized numerous times due to the stress and all the faxing and paperwork trying to stay on top of things. I hired a caregiver to live with my dad but still not having any luck with fees. I paid taxes and set up insurance on the home. I found out that they had hit my dad numerous times with insurance fees because they did't bother to verify the insurance was still in effect. Many threatening letters came but no information as to why. Then I decided to buy the house. At closing they slapped a {$1000.00} fee for an appraisal which I did not order. Plus another {$3500.00} estimated by the closing department. My loan was approved for $ XXXX less than the additional anticipated closing charges they slapped on my dad and I was never sent anything in detail until up to closing which is tomorrow. I still don't know what the other fees are for and why they were taking advantage of my dad like this. I sold my land in Idaho which I lost money on to buy my dad 's house so he could continue to live there. These people are predators who took advantage of a sick and desparate old XXXX war vet and they should be held accountable. Please Help!
Product: Debt collection

Spoke with Legal department and clarified that I had never received a validation of debt, have no clue the reason in XXXX 2017 they invaded my privacy and pulled my credit report without permissible purpose. My wife had made a complaint about them as well. This is fraud and a person should not be able to snoop or pry into a credit report unless given permissible purpose. Please have company state the reason and the debtor they were representing when they invaded into my account and the reason they never sent a validation debt letter.
Product: Mortgage

We were sent a letter from Freedom Mortgage stating our XXXX XXXX, 2016 payment was not received. This information was incorrect. My bank sent the check via automatic bill-pay on XXXX XXXX, but their records showed that the check was not cashed. When I called Freedom Mortgage to explain, they eventually found the check and claimed it was an " accounting error '' on their end and they would take care of it. Despite this conversation and several more over the last 6 months, along with letters from my bank and copies of cashed checks showing they have been receiving my payments, I continue to get collection letters in the mail stating the contrary. I checked my credit report only to discover they have reported my account as 60 days overdue & worse, my credit report shows the payments have been late from XXXX to XXXX, which is a complete lie. Once again, my bank provided documentation proving that all payments have been received AND cashed ( except XXXX 's which was deposited later, after they located the check ). Despite my many attempts to rectify the issue, Freedom Mortgage continues to be non-responsive. It has been 7 months now and they still have not corrected THEIR " accounting error '' so I filed a dispute with XXXX and CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Michigan, XXXX XX/XX/XXXX XXXX Consumer Dispute Center XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, Subject : Dispute and Request for Investigation of Inaccurate Information on my Credit Report I am writing to dispute certain items on my credit report provided by XXXX, XXXX, and Equifax. After recently obtaining my consumer report, I have discovered inaccuracies related to the collections accounts associated with the following creditors : XXXX ( account number ending in XXXX ), XXXX ( account number ending in XXXX ), and XXXX XXXXXXXX ( account number ending in XXXX ). 

The inaccuracies that I am disputing are as follows : Incorrect Date of Birth : My date of birth is inaccurately reported as XX/XX/XXXX However, I can provide concrete proof through my official identification and citizenship papers that my correct date of birth is XX/XX/XXXX. 

Account Opening Date : The accounts with the above-mentioned creditors were reported as opened before I turned XXXX years old. As per my correct date of birth, I was born on XX/XX/XXXX. Therefore, it is evident that these accounts were opened before I reached the age of XXXX, which is incorrect and a violation of credit regulations. 

I kindly request a thorough investigation into these matters to rectify the discrepancies in my credit report. The presence of these inaccuracies negatively impacts my creditworthiness and financial standing, which may hinder my ability to obtain credit and loans in the future. 

I can provide copies of my identification documents and citizenship papers to support the verification of my correct date of birth. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I understand that you have 30 days from the date of receipt of this dispute letter to conduct your investigation and provide me with the results. I request that you promptly send me a written response outlining the actions taken to correct the inaccuracies on my credit report. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this dispute and look forward to a timely update of my credit report. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Michigan, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern I recently reviewed a copy of my credit report and notice my personal information including my name and address were incorrect .My legal full name is XXXX XXXX XXXXPlease delete any of all phone numbers addresses and employers from my XXXX, Equifax and XXXX report credit reports that not belong to me, such as inaccurate personal informations my ability to obtain credit.I request a manual review of this information due to the complexity of the inaccuracies .I have attached copies of my identification such as my most recent utility bill and my social security card. Please investigate this matter and remove the inaccurate information from my credit report.Notify me in writing of the results of your investigation and any actions taken.thank you for your assistance with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all the companies on my credit bureau that is showing an inquiry that has been made and they have stated its a matter of record. I explained to them that I have been a victim of identity theft and that I have not requested credit from there company. I was told that they would not really affect me to there is nothing they can do to help me. I have contacted the credit bureaus and they have told me that they can not help me although I have a fraud alert and have explained to them that someone has try to obtain credit in my name. I have cell phone bills on my report that I am fighting to get off now. I am very upset about these inquiries and that the creditor nor the credit bureau is willing to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I filed Complaint # XXXX involving Chase with Consumer Financial Protection Bureau ( CFPB ). Chase deemed the complaint quickly as duplicate by end of day. I was submitting XXXX NOTARIZED Identity Theft Victim Affidavit that was notarized just earlier in the morning prior to submitting. I left a message few days ago for XXXX at the Card Executive Office to see how to submit. When I didnt hear back from him ( which is not unusual ) I submitted the affidavit with CFPB. I get more done with submitting with the CFPB instead of trying to contact companies direct. Plus after 4 years, I am ready to be heard, have the fraud and theft recognized, and regain my credit.
Product: Debt collection

I received a phone call from XXXX XXXX XXXX, and spoke with XXXX XXXX. The phone numbers she called me on are XXXX ( registered to an auto repair company ), and XXXX. She said I owed HSBC over {$2000.00} and that I have not been responding to any of their correspondents. I have no received anything in writing, email or phone calls until XXXX. She would not give me any information except the last four of the account number. I checked my credit report and let her know this was not my account. She proceeded to tell me it did not matter because it is associated with me and I have to pay it. She also proceeded to tell me that it XXXX I received the short end of the stick. Also, she informed me all credit agencies do not report to the credit bureaus. In my experience, I have always had all of my loans, credit cards both in green and collections how up on my credit report. Once she bullied me enough, I asked her if there were options since I started to believe I did something wrong. She let me know I can make 6 payment of {$270.00} or a one time payment of {$1200.00}. I proceeded to call HSBC and spoke with a gentlemen ( I could not understand his name ) who confirmed I do not have any accounts with HSBC. When calling her back she let me know I should not have done that and that is illegal. At that point, I was done and just wanted to speak to her supervisor however was railroaded and bullied again stating this is my debt and if I am trying to by time or skate by and not pay it was not going to work. I told her I would call her back since I still did not believe I should pay for something that is not mine. I spoke with my parents and researched the numbers to find it was SPAM and others have dealt with the same thing. I decided to not call her back and let it go since i knew it was not my debt. She has since called me three times leaving voice messages telling me again how sorry she was that I got the short end of the stick, that i should not have wasted her time and she will still file for employment verification to garnish my wages on Monday. She has also called my sister, mother, father and aunt looking for me and said a few choice words to my father. When speaking with my father she told him, " sir, your daughter likes to spend a lot of money and buy things. '' When calling my sister, aunt and mother she continued to bully, harass and hang up on them each time.
Product: Debt collection

I received a 3rd party collection notice from IQ Data International. I immediately called and questioned the validity of the debt in XX/XX/2018. I found out that this was due to a broken lease by someone who I do know that used my personal information to obtain the lease and I as the sole person on the lease. I was only to be used as a reference however I was used as the lessee. I never signed any papers or talked to anyone in the leasing office during this transaction. I only found out that my name was attached due the the phone calls and finally a bill in the mail. I stated this was not mine, I do not live in XXXX and this is a result of identity theft. I immediately filed a complaint with the FTC which did work in terms of getting this negative collection off my credit report for XXXX. XXXX  and XXXX  have contacted IQ Data and they continue to state that this is a valid debt. IT IS NOT VALID AS IT IS IDENTITY THEFT. Please see letter sent to IQ Data as another follow up as well as the FTC report
Product: Bank account or service

My corp chain # XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, Pa XXXX Business Name : XXXX I was charged {$75.00} to remove a feature offered by XXXX XXXX when using their " quick shopping cart '' product. 

The feature is on the " Set Up '' tab, " Operations '', " Payment Options '' tab on the XXXX XXXX Website. As a merchant, you must select this " credit card ( Recommended ) '' option, in order to get customers who would like to pay with credit cards. This is a {$10.00} a month charge from XXXX XXXX which is managed by First Data ( known as " XXXX '' ). 

I switch products with XXXX XXXX by removing the " quick shopping cart '' product and added the " online shopping store ''. With the online shopping store you no longer need the feature " credit card managed by first data '' because now it 's all included for free in the " Online shopping '' product that XXXX offers. 

When I enrolled with the " Quick Shopping Cart '' I never received information on a fee would be charged if I cancelled. I was also not aware that I would be put on a contract for 3 years until XXXX 2018. I clicked the green check marked within the XXXX site and then received a call from First Data on how to put a code into the website in order to start receiving customer credit card statements. 

I am disputing this because I never received paperwork that a cancellation fee of {$75.00} would be charged, therefore I should receive my {$75.00} back.
Product: Money transfer, virtual currency, or money service

I have several accounts at TD Bank and frequently use their online banking service to transfer money between them that are immediately credited to the receiving account, with ONE exception. 

When I transfer money from a checking account to pay the credit card account, the money is deducted immediately from the sending account and not credited on the receiving credit card account until several days later. 

Recently I began traveling to a TD Bank branch and withdrawing the funds from my checking account then paying the cash directly to my credit card. That worked only for one month, the next month the Teller entered the wrong code for my cash credit card payment and I again had to spend hours on the telephone getting the paid amount posted to my credit card. This month, I am sick in bed and unable to visit a branch which I probably should not be doing anyway given the current pandemic. Again, I did an online transfer, received a receipt saying the transfer was successful and have been told I have to wait 1-2 business days for the payment to be posted to my credit card. Anything that can be done to address this problem will be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported my account 30 days pass due XXXX XXXX. When the money has came out of my account. I have prof of funds from my bank statement this loan was payed in full before it was even reported.