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

My complaint is against the company '' CreditKarma " specifically about the " CreditKarmamoney Spend '' checking account and " CreditKarma money Save " savings account they offer to consumers, where I have made electronic deposits from my XXXX bank account, and this Company has been illegally freezing my deposits and will not allow me to put back my money into my XXXX  account or withdraw in any way. 

In XX/XX/2021, I have linked my XXXX bank account to the 2 CreditKarma bank accounts and deposited {$10.00} dollars into the Creditkarma checking account, and {$20.00} in the CreditKarma savings account. 

After I linked my XXXX Bank account and made the deposit, this Company froze my CreditKarma savings and checking accounts without informing me of anything, and will not allow me to get my money back.

They are illegally keeping my money, in fact stealing it since I can not withdraw my own money from these 2 accounts.

I contacted them several times by phone and by email.

No explanation was given as to why they froze my accounts.

When I called The credit karma call center to get a resolution ( from the accent of the agents I assume it is a call center located in XXXX  ) they asked me to email my documents to them, picture Id and bank statement AFTER taking my money from XXXX. 
I do not trust this Company whatsoever, and I am not going to send my personal documents to fraudsters. 

I reiterate, after I linked my XXXX bank account and made 2 deposits on Credit karma bank accounts, they froze my money.

I recorded the phone call with them, and they even admitted that they froze many other accounts.

They are keeping the money of consumers and making profits from the money of others.

I want to be able to withdraw my money that I deposited into these 2 Bank accounts that this Company is illegally keeping an hold of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : Equifax : XXXX XXXX XXXX XXXX XX/XX/20 Equifax : XXXX XXXX XXXX XXXX XXXXXX/XX/20 Equifax : XXXX XXXX XXXX XXXX XX/XX/20 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/20 XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XX/XX/20 XXXX  : XXXX XXXX XXXX XXXX XX/XX/20 XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/20 XXXX  : XXXX XXXX XXXX XXXX XX/XX/20
Product: Mortgage

My mortgage was transferred from XXXX XXXX to Cohen Financial. It is very important to me to pay my real estate taxes on time. My mortgage payments are always on time so they have plenty of money in my tax escrow account. My taxes were due to the City of  XXXX on XX/XX/2020. They have not been paid. When I asked the mortgage company they came up with some excuse that they sent the money and the City sent the money back. I have owned this home for 26 years and the City never sent the money back before. What tax collector sends money back? The mortgage company said they gave the City my correct address and tax parcel number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Dispute was opened on XX/XX/XXXX with claims of inaccurate information on account credit report under XXXX XXXX XXXX. The original account, which was sold to XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX contacted the account holder and the account was settled on XX/XX/XXXX. XXXX XXXX XXXX did not properly report to XXXX XXXX XXXX and/or the Credit Bureau Reporting Agencies that the account was taken over by XXXX XXXX XXXX and settled with the customer XX/XX/XXXX. 

The results from XXXX XXXX through the Experian dispute came back with results allowing XXXX XXXX to add a " FAILED TO PAY '' mark on the XX/XX/XXXX month of the XXXX XXXX Experian account that was closed on XX/XX/XXXX and settled by XXXX XXXX XX/XX/XXXX. 

FALSE REPORTING A dispute against the result from Experian, came back with no results. Report number XXXX. 
A complaint was submitted to CFPB against both XXXX XXXX and XXXX XXXX. Complaint ID XXXX. 

CFPB Complaint ID # XXXX resulted with no results from XXXX XXXX and a letter from XXXX XXXX stating that they reported to all three agengies to remove the collection tradeline for the consumers account number associated with XXXX XXXX. Please review all documents that have been uploaded with this dispute.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for the question to be asked. In response, I'm writing to contest this inquiry and ask that it be removed from my credit report. 
XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

XXXX residents -husband & wife ( Borrowers ) existing CitiMortgage clients. CitiMortgage ( Lender ) maintains current mortgage, originating XX/XX/XXXX. 
XX/XX/XXXX, borrowers initiate refinance effort aimed at paying off existing lender loan. Initiation with lender rep complainant will refer to her as " XXXX '' - XX/XX/XXXX : Lender : " unable to originate a new loan '' due to XXXX Assessment on property. Twelve weeks after initiation. Why twelve weeks?! 
XX/XX/XXXX - XXXX County Tax Assessors Office forwards borrower 's updated/most current Property Tax Information to CitiMortgage Tax Department. Tax statement reflects the obvious and significant increase to borrower 's property tax bill as a result of an " XXXX '' ( XXXX Assessment ) loan. 
Elevated tax bill, increases borrower 's monthly payment to lender from XXXX to {$3100.00} - These increases additionally reflected in " CitiMortgage Escrow Account Disclosure Statement '' funds of which disbursed on XX/XX/XXXX and reflected in the " Annual Escrow Analysis '' produced/forwarded to borrowers by lender XX/XX/XXXX. 
XX/XX/XXXX, - Borrowers email, PdF full color copy of their XXXX County Tax Assessor 's Statement to XXXX, text includes directing XXXX 's attention directly to line item where the XXXX Loan ( XXXX Assessment ) is listed. Increase to the tax bill-again-clearly reflected and assigned directly to property tax bill. 
XX/XX/XXXX Borrower apprised by XXXX Program Subordination Mgr, that not only has lender previously entered into refinancing with XXXX Loans appropriately and satisfactorily subordinated to second position, lender loans have been funded - fully recorded - and are part of the public record. 
Is there some type of discriminatory or other bias against these borrowers present in this failed transaction? 
It can not be articulated strongly enough, that XXXX provided not XXXX, but XXXX separate, fully binding and compliant subordination 's to Citi upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX XXXX XXXX/lXXXX XXXX XXXX XXXX/XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I sent Experian a dispute letter by Certified US mail (  XXXX   XXXX   XXXX   XXXX   XXXX  ) to dispute " the ONLY  XXXX  items '' on my credit. They did not respond within 30 days. I called and spoke with several managers to no prevail. Spoke with a manger by the name of "  XXXX  '' and he told me he could see that they received that letter  X/XX/2017    but they must have misplaced it. I told him I was going to turn this matter over to an attorney.  XXXX  then told me to give them until Monday,  XXXX   XXXX  no later than Tuesday,  XXXX   XXXX  to have the  XXXX  items deleted from my credit report and to please not contact an attorney. I waited until  XXXX ,  XXXX   XXXX  and the  XXXX  items are still on my credit. Called back and spoke with another manager by the so called name "  XXXX   XXXX  '' who was rude, argumentative and insulting. He told me that the letter i sent could have been " any kind '' of letter, insulting my intelligence because it 's clear the letter was sent to the " DISPUTE DEPARTMENT ''  XXXX   XXXX  then lied and said they already responded to my dispute letter and also said he would put in my notes/file that this situation has already been taken care of.  XXXX   XXXX  then told me to stop calling. I also sent a follow letter CLEARLY STATING it is a FOLLOW UP LETTER to let them know they have not responded within the 30 days. NOW experian is trying to use my FOLLOW UP letter as an initial letter to give themselves another 30 days. smh I have sense called back and spoken with a manager by the name of  XXXX  who took my information and said she would look into trying to get the  XXXX  items deleted and she never called me back. I called today AGAIN  X/XX/2017    spoke with a employee who tried to get her manager and  XXXX  on the phone AGAIN on hold fo r 45mins. Neither one of t he managers came to the phone. The employee then asked for my phone number AGAIN and said  XXXX  the manager will give me a call back. I am now seeking legal actions. This has stressed me out beyond belief having to call from work over and over again being put on hold f or 45 min s at a time. Not being able to get a car for work and a place of my own to live because of the " ONLY  XXXX  items '' on my credit report. I am suing for defamation and intentional infliction of emotional stress and whatever other damages i can sue for. Instead of them simply correcting this issue and taking responsibility for not responding within the amount of time allotted by LAW, they chose to ignore the issue, LIE, give me the run around and stress me out. I also have several RECORDED conversations between the managers and I. I made sure to inform them at the beginning of the calls that the calls were being recorded. I have also attached the letter that I am sending to their corporate office.
Product: Vehicle loan or lease

I had purchased a car thru same car lot and bank 1803 capital 2 or 3 months prior to going down with a friend to get XXXX XXXX a car I was under the impression that because I already had good standing with bank I was a co signer my credit at that time wasnt good enough to be co buyer Then XXXX XXXX went to XXXX  I did my best to keep up with payments I had two different managers at the same bank calling me constantly Then I found out I was co buyer after going round and round there was nothing I could do. So then I found out at that time the bank had told the car lot to buy a bunch of cars an they would accept the credit it no matter what So I felt like I was set up by the bank they collected money every week for one or both cars I was beside myself I also learned that even thou XXXX had never made a payment on the XXXX  she would be able to take car any time in a civil case So I gave the car back they told me it would be sold, so now they are saying regardless the car is being resold its still in credit report for the same amount I gave for the car I made 6months worth of payments on both cars XXXX XXXX XXXX and XXXX XXXX XXXX both show the original amounts that I gave as balance please help I was set up for this XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a response from you CFPB in reference to my last complaint against Transunion that the company needs more time to respond to my request. I am beyond appalled that you would even allow this response when the complaint filed showed proof that Transunion had already violated my rights under the FCRA section 611. My request was sent on XX/XX/2020 with no response or resolution by the 15 allotted days. How could they be allowed more time to be in violation of the law? I am now seeking legal counsel for your company allowing credit reporting agencies to knowingly and willingly violate consumer protection laws.
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying computer science help me out by finding a way to check if my Gmail emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Debt collection

I am in financial distress and had previously tried to get current with XXXX XXXX. They call my business phone everyday at all hours. They have been harassing my mother at her home phone number for many months now. She does not live with me and has no connection to this debt. Now they are calling my boyfriend on his business phone trying to reach me. I am in the process of getting my financials in order but the harassment of my family is not acceptable.
Product: Credit reporting

I XXXX have been married for 27 years. maiden name was XXXX Before this my birth name race XXXX DOB Is XX/XX/XXXX Last four of SS # XXXX. 
The Issue with credit service keeps putting A XXXX on my credit reports this women Race is XXXX. For the past 8 years I been trying to get a red flag on my credit report that the credit service would stop and look. My name is XXXX has been maiden name was XXXX before this. I have lived at address XXXX for passed 11 1/2 years. 
I WANT XXXX BAD CREDIT REMOVED MY MY CREDIT. THIS LADY HAS BAD CREDIT AND HAS HAD FOR SOMETIME. I CANT EVEN OPEN NEW ACCOUNTS BECAUSE OF A ERROR THAT THE CREDIT SERVICE IS DOING. THIS IS NOT FAR. I KEEP GETTING CALLS FOR THIS LADY AND MAIL. I DO N'T EVEN KNOW WHO THIS LADY IS. I SHOULD N'T HAVE HER INFORMATION ON MY CREDIT. PLEASE REMOVE XXXX FROM MY CREDIT REPORT. 
ANY QUESTION CALL XXXX
Product: Credit reporting or other personal consumer reports

As I was checking my Experian account, I noticed my addresses was wrong. I only have one address that the post office knows XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX any other address will be inaccurate.
Product: Debt collection

I owed money on a cable bill that was in collections with CBE Group. I have paid the bill on XXXX/XXXX/2015 and asked that the collection agency sent me something in writing showing that I settled the bill and they refuse to do so telling me that they do n't send out anything in writing. However, my wife just settled a debt she had with XXXX and have since received a written statement that the account was settled. I know I could get something in writing to show I paid but CBE Group is not willing to do so. I do n't know if this is legal and need for someone to look into to this and force them to comply and send a notice saying the account was settled.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXXg debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete all following accounts list Account 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
Product: Checking or savings account

I had an existing 11 month CD  with WellsFargo at rate of 4.25 % for {$14000.00} from XX/XX/XXXX thru XX/XX/XXXX. 
The CD automatically renewed at a lower rate of 2.47 % and a shorter term of 6 months on XX/XX/XXXX, where as the advertised rates on WellsFargo website is 4.25 % for 11 months. 

When i questioned this to the banker, i was told i needed to make an appointment with local branch within the 10 day grace period and get it renewed at the branch to get the higher rate. 

First of all, i did not get any letter from WellsFargo about my renewal or i was made aware that automatic renewal would be done at a much lower rate. When i stopped by the branch to request the higher rate, i am told to close the automatically renewed CD, pay a 3 month interest penalty and re-open a new CD at the higher rate. 

I am unhappy with such a business practice, which is targeted at misleading customers and defrauding them their savings.
Product: Checking or savings account

my wife is an identity fraud victum since 2017 with the XXXX data breach. since that time our lives have been ripped apart by identity theft. countless hours spent trying to repair credit and restore her name. my usaa account with over {$800.00} a cd of {$500.00} and 3 other accounts have been froze after her countless attempts to have credit and bank  account disputes resolved she contacted consumer finance and ftc. usaa instead of helping us as fraud victums accused us of fraud and froze all of our money and threatened to sever ties. I believe we are being retaliated against for our complaint to the FTC and here and having served our country am discraced and embarrased by their unethacal practices. Besides not rectifyung inaccurate information off of her report and mine for nearly 2 years. which we should get retribution for, they are now bullying us with our only source of funds. As fraud/identity fraud victums there is very little help and someone needs to be standing up and helping. please someone help us! To conduct business like this and freeze victums funds is criminal. Now we have unpaid bills, late fees and more problems to deal with. Identify theft has taken so much and now usaa has further caused unspeakable stress and loss! Serviceman and women beware! Do not trust your funds or your identity or credit! I will be attaching files so that you can see the lengthy history of disputes with usaa and for how long they failed to resolve issues until our claim And the retaliation began. The attached are only a few of what we have submitted. A history of negligence, discrimination and retaliation
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS REMOVE OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Product: Debt collection

The invoice was paid to the billing department at the medical facility on time. This is not a debit and there is no reason the debit collector should be contacting me. I sent a Certified letter to the collector with a copy of the invoice and a dated payment conformation. A cease and desist was included in the letter, the letter was sent on XX/XX/XXXX, on XX/XX/XXXX Universal Collection Systems contacted me via phone using an automated system violating the cease and desist demand. I now consider this harassment and will press charges upon a second violation.
Product: Vehicle loan or lease

This is a follow up complaint in addition to my first one that was sent on XX/XX/17 evening, after sending my first complaint, my wife was finally able to reach a representative of BBVA, after trying for almost two weeks ; however, after speaking with the BBVA rep, they told my wife that BBVA did not receive our XX/XX/XXXX payment, and that we were 43 days late, and they had turned our account over to collections. 

We paid our car note payment for the month of XX/XX/XXXX on time, and my wife sent a copy of the payment to the BBVA representative, and after the BBVA rep received our proof of payment that was made in XX/XX/XXXX, they refused to receive our payment for XX/XX/XXXX ; and stated they had to get the XX/XX/XXXX payment issue fixed first. 

This shows incompetence on BBVA part, because they somehow lost our payment that was sent on time in XX/XX/XXXX, and to make matters worse, they were showing us being 43 days late, which means they could have scheduled our vehicle to be repossessed without us knowing it ; all because of their incompetence. 

We dont understand why BBVA is being so difficult, and I cant reiterate enough, that it does not make any good sense as to why BBVA will not allow us to make our car note payment online anyway! 

BBVA have been so unprofessional, we have wondered if we were really making payments to the real Bank!
Product: Payday loan, title loan, or personal loan

I have copied communication this company has sent me over time, but does not include the multiple calls from different numbers using a robo dialer. As you read you get a feeling that they are trying to coerce me and threatening with legal action. I was able to call the company today Wednesday, XX/XX/2019 at XXXX XXXX. Spoke to XXXX a text XXXX and still offered a settlement. 



Thursday, XX/XX/2019. XXXX XXXX Want freedom from this loan? At this time we are offering to settle your debt for 40 % ( {$480.00} ) of your outstanding contract balance ( {$1200.00} ). To take advantage of this offer. text " SETTLE '' and we'll get you enrolled in our LAST CHANCE program today. 

Thursday, XX/XX/2019 XXXX XXXX CFW- A payment hasn't been applied to your account for more than 30 days. You have an outstanding balance of {$1400.00}. To avoid further collection activity, an arrangement must be set. We offer a hardship program which lowers your current payments. Text " HARDSHIP '' if you are in need of financial assistance. 


Monday, XX/XX/2019 XXXX XXXX  Want freedom from this loan? At this time we are offering to settle your debt for 40 % ( {$480.00} ) of your outstanding contract balance ( {$1200.00} ). To take advantage of this offer. text " SETTLE '' and we'll get you enrolled in our LAST CHANCE program today. 


XXXX  XX/XX/2019 XXXX XXXX  CFW-Final Warning! Your account has remained in our office for the max allotted time! You have 72 business hours to enroll in our LAST CHANCE program. The final amount listed on the LEGAL claim will be $ {$1400.00} +court costs+attorney fees as permitted by your contract. Text " ENROLL '' to start saving. 


Wednesday XX/XX/2019 XXXX XXXX WARNING! XXXX XXXX, Your loan is in default and is being prepared for LITIGATION. You will be responsible for your BALANCE OF {$1400.00} + court costs + attorney fees as set forth in your contract. To avoid action, please contact our office NOW @ XXXX XXXX XXXX so we can assist you. CASH FOR WHATEVER.