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

I went to my BB & T bank located at XXXX XXXX XXXX XXXX XXXX, VA XXXX on XX/XX/18 at approx. XXXX ET to deposit a check from my home insurance company so I can begin work on my home after last months catastrophe. The check was in the amount of {$7700.00}. I went to the only teller available and was told that BB & T would not accept the check because on the back it was stamped with " Without Recourse XXXX XXXX XXXX XXXX By : Assistant Treasure signature. I explained the scenario to the teller that this check was originally sent from my insurance company to my mortgage company to make sure the funds would be used for the catastrophic repairs. I escalated the issue to the Branch Manager and he concurred with the teller that BB & T would not accept the check. I called XXXX, they were kind enough to educate me on the process of this sort of check and advised me that the language used on the rear of the check was standard legal language that is between XXXX  ( the mortgage company ) and myself the homeowner. In addition, XXXX suggested that I contact BB & T once again and have the branch contact their compliance team. I called the XXXX BB & T at approximately XXXX ET number for assistance and the representative advised that this decision is decided at the branch level. I asked if she could at least call the branch and have the branch contact the compliance team so that we could settle this issue. The BB & T rep from the XXXX number reached out to the branch and the representatives at the branch once again stated that they will not honor the check and that their compliance team will support that decision.
Product: Credit card

On XX/XX/ Military STAR ran a credit check with the credit bureau that affected my credit. I did not complete a credit application with this company, nor did I authorize them to complete a credit check. When I called they informed me that I just needed to contact the credit bureau myself. They did not open an investigation into this fraud nor deal with the fact their company processed a fraudulent application in my name which has affected my credit report. 

Application Number XXXX
Product: Money transfer, virtual currency, or money service

identify you and your account.

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 proce 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: Debt collection

I moved out of the rental property on XXXX XXXX in XXXX of XXXX. In XXXX of XXXX a bill for {$2500.00} pop up on my credit report. When I went to challenge and dispute the claim with XXXX XXXX XXXX I was told that the individual that I make my last payment no longer worked with XXXX XXXX  and new management had no longer and that they didn't have way to verify my statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am ( XXXX XXXX XXXX ) requesting that the negative payment mark on my credit report be removed. I've been a member of USAA for 23 years, and I have a strong history of making payments on time. However, through my credit monitoring service, I discovered that I was given a late payment mark. I was unaware of the late payment until XXXX notified me. I had never received a statement, email, or phone call stating I was about to receive this late charge and only became aware of it when it appeared on his monitoring service as a late payment. Once notified, I immediately called and made that payment in full on that same day. 

I'm not a frequent user of the card, and I traditionally pay more than the minimum, and I was not expecting to make any payments that month. In addition, I have never been late with any fees in the past, and I'm a loyal customer. 

In addition, this issue has had a severe adverse effect on my credit score.

If my points are being considered. I request that you rescind this late payment charge and delete the late payment entry from my credit report with any credit reporting agency to which you report. 

Thank you for your prompt attention to this matter and your courtesy in this regard.
Product: Credit reporting or other personal consumer reports

I am writing to express my utter frustration and disbelief at the abhorrent level of service I have received from XXXX, XXXX and Transunion in regard to incorrect information on my credit report. Since XXXX, I have tirelessly and diligently attempted to rectify this matter, only to be met with sheer obstinacy and an unwarranted refusal to correct a glaring error on my report. It is nothing short of infuriating that these company entrusted with such sensitive financial information, has displayed such blatant disregard for the wellbeing and integrity of its customers. This relentless stonewalling is not only unprofessional, but it undermines the very purpose of the Consumer Financial Protection Bureau and its mission to safeguard consumer interests. It is high time that XXXX, XXXX and Transunion be held accountable for its disgraceful conduct. The intransigence displayed thus far is nothing short of a gross injustice, and I implore the CFPB to take swift and decisive action to rectify this egregious situation. Your immediate attention to this matter is not only warranted, but demanded, as I refuse to accept anything less than a fair and just resolution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX A XXXX XXXX XXXX XXXX, GA XXXX XXXX A XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$2.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$3800.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$5500.00} ( Original XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$150.00} XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion was tasked with investigating and running disputes for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After making arguments about a disputes items being investigated incorrectly and being put in XXXX XXXX for 1 hour I was transfer to who a supervisor was who verbally stated on record that they have 1. Received all documents for verification XXXX. Received all deletion files XXXX. Received a updated and accurate credit report from XXXX XXXX. Received fraud reports XXXX. Received CFPB Reports All other credit agencies that received this documents removed files for fraud and irregularities and Transunion only admitted to not running disputes at FCRA standard as prev
Product: Debt collection

Every month since XX/XX/year> they have marked my account as charge off. 
It seems this is a tactical to make sure this account never falls off of my credit report. 
On top of that, I have no idea what this account is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and it showed a low score due to having too many inquiries. I did not authorize any inquiries besides the XXXX XXXX and the XXXX XXXX XXXX XXXX inquiries. XXXX XXXX did not have authorization to use my social security and pull my credit, nor did any other companies that show up as inquiries on my credit report. There have been no more than 2 inquiries in the last year. Please correct this false information it is hurting my credit score and preventing me from getting a loan!
Product: Credit card or prepaid card

Sunday, XX/XX/2021 Affidavit XXXX  Dispute/Invalid Charge - CLAIM ID : XXXX To whom it may concern and with all due respect- I have made reservation on XX/XX/XXXX at XXXX 7 nights starting XX/XX/XXXX - XXXX, Now Due to covid 19 outbreak I have made sure I have the right to cancel to receive a full refund and I have a receipt/proof supporting that as well. 

On XX/XX/XXXX at XXXX I have asked to cancel the reservation at once. 

Late On JXX/XX/XXXX, XXXX/host got back to me admitting full refund policy if cancel before XX/XX/XXXX before XXXX at that day. 

Since then Im trying to get my money back from XXXX- they keep ignoring my requests and send me around to a different support team member or not taking responsibility at all till these days. 

For further questions, I can be reached anytime at XXXX Thanks in advance.
Product: Checking or savings account

I opened a new checking and savings account at First Citizens on XX/XX/XXXX, with a promotion to earn {$300.00} bonus after meeting certain terms. I met all of those terms on XX/XX/XXXX, and still as of XX/XX/XXXX have not received the advertised {$300.00} bonus. Attempts to discuss this with representatives at First Citizens on XX/XX/XXXX by secure messages on their website, and on XX/XX/XXXX by phone, were unsuccessful. Representatives indicated they had no knowledge of this promotion or that this promotion was not attached to my account. When I opened the accounts, I used the direct link to apply for the bonus ( see attached screenshot - " OPEN NOW '' ). There was no field or option to enter any promotional code on the application form, so the link I clicked ( attached screenshot ) should have been adequate to apply properly for this promotion.
Product: Mortgage

Caliber offered a permanent modification, it was signed, notarized and sent back on XXXX XXXX, 2016. On or about XXXX XXXX, 2016 the payment was increased by about {$150.00}. When Caliber was questioned about this on XXXX XXXX, 2016, the customer service representative said it was because of an escrow shortage. They also said that an analysis was done in early XXXX, so the analysis was requested and the rep said she would not send it out. She finally relented and said it would be sent out, but to this day the analysis has not been received. It was questioned as to why the shortage was not included in the monthly payment or the balloon payment, the final mod was offered XXXX XXXX, 2016, but when that question was posed, the rep abruptly ended the phone call. Now the payment has been decreased to the original modification monthly payment.
Product: Debt collection

I noticed some unauthorized accounts on my credit report that are impacting my credit score.
Product: Credit reporting

TransUnion file number is XXXX. The Transunion credit report dated XXXX/XXXX/15 has numerous ( at least XXXX ) charged off authorized user accounts that should have been removed. I am not legally responsible for repayment, nor am I under any legally binding contract with any of these authorized user credit cards. In fact, both XXXX and XXXX has removed these accounts immediately upon dispute.
Product: Credit reporting or other personal consumer reports

It's impossible to close a complaint while working on the complaint but those fraudulent company dose ot everyday
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  accounts # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX account number 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 a account without my written instructions
Product: Student loan

I attended XXXX XX/XX/XXXX -XX/XX/XXXX, XXXX closed and every class I took it considered worthless as the school no longer exists..I wasted my time and money. XXXX put this loan in collections.
Product: Money transfer, virtual currency, or money service

In response to cfpb complaint XXXX robinhood sent me an email at XXXX XXXX  with instructions to follow this link and do as it says. https : //robinhood.comXXXX Clearly someone incompetent reviewed the case, as usual... 
Then at XXXX XXXX they sent me an email from a " no response '' email address informing me that " We regret to inform you that after careful consideration, Robinhood will no longer support your account. '' and then there are instruction about closure. It also says " Please note that this is a final decision. Let us know if you have any questions. We will do our best to assist you with the transition. 
- The Robinhood Team '' Ironic .... there is no contact information, and I've been trying nearly daily to speak with someone licensed. Additionally I have been trying to transfer my assets out of robinhood for literally MONTHS but the transfer fails because robinhood fabricated documentation so the plaid integration does not function which is how acat transfers are processed to XXXX. Again, I have tried to remedy the situation with robinhood and they just spew some boilerplate and fraudulently mark the case as closed. I reopen it until eventually a manager looks at it, threatens me, and then markes it closed. No matter how many times I reopen the case they just do nothing and keep stealing from me. They do not know how much my account ought to contain, because they fabricated information with regard to my mstr holdings, which is why there is no metadata for the position in the application. When XXXX initiated an account sweep, it did not match... 
In addition to the retaliation, there was another unexplainable transaction in my account today where XXXX $ disappeared at XXXX The account is currently in a fraudulent margin call and robinhood has restricted my ability to deposit XXXX currency to meet the margin call in response to cfpb complaint XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYXX/XX/2019 WHEN I WAS APPLYING FOR MY SONS AUTO LOAN, I GOT DENIED FOR HAVING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. I NEVER APPLIED FOR ANY OF THESE LOANS LISTED IN MY FTC REPORT NOR HAVE I GIVEN ANYONE PERMISSION TO APPLY FOR THEM, I HAVE NEVER AUTHORIZED 17 INQUIRIES THAT ARE REPORTING ON MY CREDIT REPORT EITHER. 

XXXX REPORTING 7 FALSE INQUIRIES AND XXXX XXXX XXXX TRANSUNION REPORTING 13 FALSE INQUIRIES XXXX  7 FALSE INQUIRIES AND XXXX XXXX
Product: Debt collection

They said i opened an account and i have never used XXXX XXXX XXXX XXXX  and i didnt even have social security in that time. 

I contacted them and asked for proof of ownership and they said they cant provide me anything just to pay off the debt.
Product: Credit reporting or other personal consumer reports

I lost my wallet on vacation in a nightclub XXXX, that included my personal information. I was advised by law enforcement a report was filed. I recently pulled a copy of the report and noticed accounts that I have no knowledge of nor gave any written permission to be furnished to my credit report. I contacted the credit bureaus in XX/XX/XXXX and alerted them of the incident and requested verification for the fraudulent accounts, XXXX XXXX XXXX XXXX XXXX. I have no affiliation or knowledge of these accounts. I have yet to receive a correspondence. 
I have the right to privacy. These accounts were furnished to my credit profile without my written consent. This is in violation of 15 USC 1681B I also noticed credit inquiries from : XXXX XXXX, XXXX, XXXX XXXX. I have not authorized any transactions from these creditors. 

Furnishing accounts to my consumer in direct relation to identity theft further violates 15 USC 1681c-2 I requested that all fraudulent addresses be removed from my profile to further prevent any confusion or tying me to accounts that are not mine and the bureaus are still reporting inaccurate information. Being linked to accounts that I have not authorized is affecting my ability to obtain credit.
Product: Mortgage

I had XXXX back in XX/XX/2021 and I was out of work for 2 weeks because I was so XXXX. I was concerned about making that months payment ( since I did not have sick time left and my company did not offer any XXXX payments for being out XXXX ), so I called Flagstar bank and asked about a forbearance. I only wanted to skip that one months payment but they told me that the standard forbearance is 3 months but I could call anytime to start making payments. So far I have called 3 times to start making my payments and every time I am told that the paperwork is taking longer than expected to complete and that I can't continue making payments until I get this paperwork. Meanwhile, my past payment balance is up to {$15000.00} and there is no way I can come up with that amount all at once. I want to be able to at least make my regular payments while this so-called paperwork is being worked out to settle the past due amount. The website shows that this has been processing since XXXX. I am convinced they are doing this on purpose so that I lose the house. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was searching for my trade-in value on XXXX and there was a link to XXXX to look at possible car loans. I thought it was just rates. There was no indication that a hard credit pull would be made, let alone multiple! I filled out an online form on my mobile device. Then I started receiving multiple alerts of credit inquiries. I contacted Lending tree and they said I should have clicked on some grayed out " i '' that would have shown disclosures. They have completely destroyed my credit. Inquires from " XXXX '', " XXXX XXXX XXXX '', " XXXX XXXX XXXX  '', and I think one directly from XXXX that is not showing right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a XXXX XXXX member since 2005. In an effort to eliminate debt I voluntarily placed my accounts with a debt management program. The debt management program did not make timely payments to all creditors. XXXX XXXX was one of those. XXXX XXXX removed itself from the program and I took over making the payments myself. I continue to receive statements from XXXX XXXX and make payments using the XXXX XXXX website and its auto pay feature. The current minimum payment is {$100.00}. I make monthly payments of {$240.00}. A review of my statements and credit report reveal that I have made no late payments, but my account has been placed with collections. I learned this information when I contacted XXXX XXXX to change my due date and was referred to a collection agency. I have not been able to contact a representative or department at either organization that can provide me with a reason the account has been forwarded to collections. Each time I contact either organization I am referred back to the other. 

I have copies of my statements and credit report that can be submitted, but the files are large. I can provide ALL documentation upon request.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, the list of accounts below is violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 2. It also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1681a-Definitions ; rules of construction ( 2 ) Exclusions.- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing. information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666 b ( a ) Time to make payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15USC 1681 ( 2 ) ( A ) ( I ) Titiled Rules of Constructon ( 2 ) exclusions and subparagraph.A ( I ) Transaction are not apart of consumer reports Also they are'nt even in compliance with meto 2 credit reporting. 
Accounts listed below : XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX
Product: Mortgage

My wife and I work on XXXX XXXX XXXX in the XXXX XXXX XXXX XXXX world. 
About XXXX XXXX of our XXXX are in Florida and a good majority of them in the Florida XXXX area. In XX/XX/XXXX, Hurricane Michael effected about half of our commission business and houses that were supposed to be closed were damaged, destroyed or delayed due to the hurricane and subsequent flooding. 
reached out to my mortgage lender and auto loan companies for Hurricane Relief. 

All auto loans are now fine, they all granted relief and regular payments resume on XX/XX/XXXX and we are excited that are sales are up and income has been restored. 

We asked over 2-3 months ago for relief with our FHA mortgage payment and call, send documentation, call, send documentation, now they are wanting bank statements from my adult son 's account ( not on the loan ) where he loaned me money via bank transfer, etc ... Although in Hurricane relief they are reporting late to the credit agencies and their collections department keeps calling me simultaneously to the hurricane relief consultant asking for more data which we keep sending. 

They promised that on XX/XX/XXXX, we can catch up by making 1 1/2 payments per month, but could not put the missing payments on the end of the loan ; yet that still has not kicked in as well. They seem to be confusion Hurricane Relief with non willingingness to make payments. 

We are ready to go based on resumption of our business/income to make the 1 1/2 payment on XX/XX/XXXX ; if this is what they need ; although, noone there seems to be processing this. 

Please help them get organized. They have so much documentation. Past year 's tax returns, XXXX  's ( we are XXXX  XXXX XXXX XXXX, etc ) This is not a preforeclosure modification, just asked for Hurricane Relief per federal guidelines. 

Thank you for your help.
Product: Credit card

Applied for an American Express credit card XXXX XXXX ; American Express ran my credit, got access to the treasury & did not give me anything. 
Subsequently I was denied and I now have a hard inquiry from them with no goods or services delivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under XXXX XXXX. See the documents attached. 

XXXX XXXX XXXX Date Opened XX/XX/2019 Balance {$10.00}