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

On XX/XX/XXXX, I opened a XXXX XXXX checking account online. On XX/XX/XXXX, I signed up for online banking and was able to deposit {$2000.00} through the app ( mobile check ), from my other account at XXXX XXXX. By XX/XX/XXXX, I was not able to access my account online or on the app because it said that the account was locked. I called back and it was because the check was still being processed and my account was put on hold and that I should contact them by the XXXX. In the physical letter I received, it also said that I should have access to the money by the XXXX. In the meantime, I also deposited XXXX through ACH directly from the other account ; this is in order to meat the XXXX minimum balance for avoiding the monthly fee. 

I called back on the XXXX, and the representative reported that the holds department is not letting go of my account until after Friday. I called back today ( Saturday, XX/XX/XXXX ), and they now say that I will not be able to access my account until XX/XX/XXXX. I feel as if enough time has passed such that the original {$2000.00} check should have cleared through the bank. Checking my XXXX XXXX account, they sent both {$3700.00} and {$2000.00} on XX/XX/XXXX, and 8 business days has passed by since then. 

I believe a hold on the mobile check is reasonable, but even that given time frame has passed. However, I do not understand the hold on my account such that I can not log in and such that I can not access any of my money at all. Even though I have received my debit card, I have not been able to activate it in order to deposit or withdraw money ( even the amount they said was " available. '' Additionally the customer service agent hung up on me today after I told them I wanted to file a complaint with them.
Product: Credit card or prepaid card

I went in  to US  Bank to deposit money in my account and the guy kept on about a credit card. He said let me send you some information. I said okay send information, next thing I know I had a credit card sent to me with a higher credit rate than what I had. I kept telling the teller I had a credit card with a lower rate than he was offering me. The account was opened  XXXX  /2016  and I shredded the card and have never used ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX XXXX. I am reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent charges are showing negative results on my credit report. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commission 's Identity Theft Affidavit. Please remove these items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to talk to the XXXX people which are called the XXXX XXXX XXXX. I have paid off my account of {$130.00}. And the same with eauifax it is not showing that I paid it. The same with my XXXX account on my XXXX account I have paid XXXX and it it suppose to be taken off? Just when I paid my XXXX XXXX XXXX  account it is off all my credit bureaus. 
Why is it so hard for these people to take off bills that we paid off? We try our hardest to get these off our credit, but your credit people want to linger on n keep them on there. This is no dang fair. And XXXX XXXX charges you {$59.00}?? To help you close acvounts they take more money then getting our accounts closed. More money n less accounts are closed. Charge extra for them in their pockets.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. 

To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : XXXX. Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report. 
XXXX. Update my credit profile to reflect the correct information as listed above. 
XXXX. Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 
Specifically, I request that the following incorrect information be removed : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I moved in XXXX of XXXXI notified Care Credit that I had a new address. 
I paid my account to XXXX  before moving. 
You don't get a statement when you owe XXXX 
Today XX/XX/XXXX I called number on card to check on.I found out they ( Synchrony Bank closed XX/XX/XXXX ). 
They say they sent out a new card & was returned XX/XX/XXXX by post office. ( case/service request # XXXX ) complaint filed XX/XX/XXXX today with USPS. 
THEY SAID THEY CAN NOT ISSUE ANOTHER CARD.THEY NEVER INFORMED ME OF ACCOUNT BEING CLOSED THRU E-MAIL OR MAIL. 

XXXX XXXX
Product: Credit reporting

Contacted Experian after getting a credit report from XXXX XXXX showing my Social Security Number for only their credit reporting agency was completely wrong. This caused a lot of negative reporting items to show up on my credit report and is keeping me from closing my loan. I sent proof of social security and my identification as well as a form from the social security administration. They claimed it would be taken care of immediately. I have been trying to get it resolved since XX/XX/XXXX. My loan is clear to close and still it has not changed with Experian and I am not able to close my loan. this is causing me financial distress. I have called in to Experian and have had my loan officer as well and each time they claim it will be fixed. When I asked them to send me proof its been changed they tell me they will send it and never do. I need this resolved right away!
Product: Student loan

I asked for copy of the promissory note because this account was fraudulentlty opened without my knowledge. They have failed to provide me with XXXX. The loan was with XXXX XXXX whom I disputed with. The Promissory Note has wrong California XXXX, wrong address, wrong employer and contact referrences. Even the signature do not match. However the lenders Navient and XXXX want a passport from that date 2005. I submitted police report and FTC fraud report. Still they have failed to delete this from my credit report. Violation of FCRA.
Product: Payday loan, title loan, or personal loan

Borrowed XXXX from Tower Loan on XXXX XXXX. In XXXX, La. XX/XX/2019. Never missed a payment. XX/XX/2019, a hard inquiry on my credit report. I called to ask why, the girl XXXX couldn't answer. Asked her to please make sure it didn't happen again. come XXXX I go to buy a car at a dealership and there's ANOTHER inquiry from Tower Loan. I call over, this time furious! I begged them once again to PLEASE not use my social for anything! There was no need, I'm in the car buying process. XXXX offers to finance for me, I tell her ABSOLUTELY NOT. No thank you ... well unbeknownst to me, she refinanced my loan, then called me two weeks later and told me they lost my account folder and needed me to come in to re-sign all the documents. I didn't go right away I felt it strange. A few days later she called, needed my " LOST '' paperwork signed. I go sign the papers not knowing what she had done! I realize my balance increased after my payment yhe very next month. I called for 3 weeks spoke to 3 different reps, was told three different stories. Finally they tell me it's time to pay again, I refused until they told me why XXXX renewed this loan without my knowledge or approval. This guy XXXX tells me, '' that girl doesn't work there anymore & he has nothing to do with that ''. I requested 3 times afterwards to speak to a manager " XXXX " who was on vacation! He finally called, I explained everything, he told me she doesn't work there anymore & they can't do anything because I signed the papers. I asked for a supervisor, he ( XXXX ) told me I just didn't want to pay my bill! I get to the supervisor XXXX, I Tell him I'm about to call the XXXX & FTC because what his employee ( s ) did is/was against the law ... he apologized and told me, what XXXX did only cost me a little over XXXX ... 
I told him I never want to deal with that location or any employee after the way they cursed & treated me, he assured me I would not have to ... low & behold, they started calling me this month ( XXXX ) 4 days before I was due. I went to another location in person, they wouldn't accept my payment! I get an alert today, there's a hard inquiry on my credit report from them, TOWER LOAN ...
Product: Checking or savings account

On XX/XX/2022 the Bank of America closed my checking account with {$1900.00} in it. They said they would send in a special request to have it released, but it would take 3 days for approval. Today, XX/XX/2022, I called them again to get that money. Again, they said it would take a special request and I was to call them again to see when it would be released. To call them is to hold at 20 minutes each time and I want my money!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$3500.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$32000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$47000.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1300.00} ; XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX : {$2500.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$590.00} ; XXXX XXXX XXXXXXXX Balance : {$9000.00} ; XXXX XXXXXXXX Balance : {$2000.00} ; XXXX  XXXX Balance : {$1900.00} ; XXXX XXXX Balance : {$340.00} ; XXXX XXXX  XXXX Balance : {$1300.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

CHASE BANK has facilitated the financing of my vehicle, with the account number XXXX and VIN # XXXX I have rescinded the transaction via 15 U.S.C. 1635, to no response from the company.

They, along with the help of the consumer reporting agencies are knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non repayment thereof. This is a violation of 18 USC 1028A, 18 USC 894, The Gramm-Leach-Bliley Act, RICO.

I have demanded they cease communication with me with regards to this debt, per 15 USC 1692c ( c ), and they continue to make harassing phone calls and threatening statements.

I have demanded they validate the alleged debt, pursuant to 15 U.S. Code 1692 ( g ), and UCC 9-210, to which they have failed to do so.

I am reaching out to your office to hold this company accountable and to uphold my federally protected consumer rights.

Thank you for your time and attention to this matter. 

Respectfully, XXXX : XXXX, XXXX on behalf of XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

My name is XXXX XXXX and I have a car loan through United Auto Credit. My Consumer right according to XXXX Harassing, oppressive, or abusive conduct, ar being severely violated. United Auto credit has been harassing me for months now and calling me everyday. They are using auto dialers in which I am told that the system can not be adjusted or altered by any employee. I am getting calls multiple times a day and I have repeated myself time and time again to tell them not to call me at while I am at work and have specified on numerous occasions the time that are best to call me which are after XXXX when my shift ends but they still call and call. They are calling from multiple numbers trying to trick me into answering. Agents also call making it seem like they know me by addressing me by my first name. I am XXXX  and this is very stressful and damaging by they way they are treating me. I have asked to be contacted by mail but that didn't work. They are using electronics to collect debts but I have rights and what they are doing is unfair treatment to me and causing me extreme stress to the point I have been on the phone going back and fourth with agents.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Hard Inquiry XXXX XXXX  XXXX & Hard Inquiry XXXX XXXX XXXX XXXXXXXX, 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: Credit reporting or other personal consumer reports

I am resending my letters today to all the credit bureaus, to advise them of the inaccuracies that they kept on furnishing on my credit report. Once again, I am requesting these credit bureaus to kindly erase and pull-these invalid accounts out of my files immediately, as these are all incomplete and unverifiable to me. I have already stated everything on my letters.
Product: Credit card or prepaid card

On approximately XX/XX/XXXX ( while traction was pending ) I filed a fraud report with Barclays Bank Delaware related to transaction with XXXX XXXX XXXX with the initial transaction date of XX/XX/XXXX for  {$39.00}. On XX/XX/XXXX I received a return phone call from Barclay Fraud department where the result of the call was agreed to have a 3-way conference call with the merchant the next business day ; I did not receive the follow-up call as agreed. On this call I was also advised that the merchant is to be notified of the new credit card number. Which authorizes them to continue charging me for services that I have terminated and continued fraud. On XX/XX/XXXX I received a notice dated XX/XX/XXXX that my fraud complaint was denied. 

I have attempted and completed as required by the agreement with the merchant XXXX XXXX XXXX. As well as all other possible means prior to the transaction date to terminate and cancel all services before the anniversary or renewal date. 

Attached to CFPB complaint is a copy of " XXXX XXXX XXXX '' agreement, e-mail notice of termination as required by agreement, and the Barclays denial notice from the initial fraud report.
Product: Mortgage

Our mortgage got sold to BSI Financial towards the end of XXXX. In XXXX, we received an escrow refund check from them. I called to see if they could cancel the check and just apply it to the next year 's escrow account so that our payments would not increase. The person I spoke with told me they could do that, but then called back right away to tell me that it was too late to do anything because the escrow account had already been calculated. He also said I should call back in XXXX before XXXX ( no exact date ) to make my request. I called in XX/XX/XXXX and spoke with XXXX, who said that I had to send an email request in. I did that. I also emailed again several times : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. In each email, I asked to have any and all escrow overages applied to the next year 's escrow account instead of sending us a refund. I also asked not to be called back ; I sometimes have a hard time understanding people on the phone and I also wanted a response in writing. BSI tried to call a few times, but I didn't answer. They finally emailed via their secure site on XX/XX/XXXX. That email stated, " We are currently processing your request. '' I then looked on my account on the BSI site on XX/XX/XXXX to find that they had sent an escrow refund check. I emailed them again XX/XX/XXXX to make a complaint about it. I just got off the phone with XXXX, who called today ( XX/XX/XXXX ) to talk about my escrow overage request. She put me on hold for over 10 minutes and I ended up getting sent to a generic voicemail. All I wanted was for any excess money to be applied to the next year 's account so that our payments would not increase and they wouldn't even communicate with me in writing, even though they had 3 months to do so.
Product: Checking or savings account

We r call this company not fully cooperation Hang up my phone And still fraudulent activity seen my several account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All transactions is fully name by cash app I need to fully investigate this company and stop in the market plus I request consumer fraud strictly notice this company me and my husband have a proof we r not authorized nor open this cash app account they used our names is take my money transfer
Product: Debt collection

I received a letter from XXXX and telecheck/XXXX XXXX XXXX I was cashing checks from a bank that I do not bank with which is called XXXX XXXX  tried to XXXX XXXX XXXX I wouldn't help me told me that account wasn't on my name or is not existed I promptly send telecheck/XXXX XXXX service a fax of my police report and I called XXXX received a second letter and the information in their system was accurate I will send a police report on XXXX that fix the problem ... but please if you can also assist me
Product: Other financial service

On Friday XXXX/XXXX/2016 i went in to Money Mart at XXXX LA. I had to cash a payroll check, The check cashing fee was 3 percent. This is an outrageous rate to cash a payroll check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Data breach information was compromised. Don't recognize account
Product: Debt collection

Per CFPB COMPLAINT ID XXXX on XXXX XXXX XXXX  : " McNeil & Meyers did not buy the account. We are a servicer of the account. We have coded the account to be closed and removed from XXXX XXXX credit bureau. We do not want to fight the dispute at this time. It should update on his credit report in about 45 days. Thank you '' As of XXXX XXXX XXXX, the {$220.00} account balance to MCNEIL & MYERS remained on my XXXX credit report. 

Per CFPB COMPLAINT ID XXXX on XX/XX/XXXX : " McNeil & Meyers will submit an AUD to have this removed immediately. 
DESCRIPTION OF NON-MONETARY RELIEF Remove from credit report '' Why is this account still listed on my XXXX credit report as of XX/XX/XXXX, in opposition to the claims made by MCNEIL & MYERS XXXX  months ago and XXXX  month ago? Why is MCNEIL & MYERS continually lying to me and the CFPB over the past 5 months? 

This false account must be removed immediately. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX  XXXX Balance : {$420.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are in violation of US 15 1666b : 1 ) XXXX XXXX XXXX XXXX ( Account Number : XXXX ) Time of delinquency : XX/XX/XXXX I also have a goodwill adjustment letter from the CEO of the bank XXXX XXXX. And the three credit bureaus are refusing to honor this letter. 

2 ) XXXX  XXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX XXXX ) XXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX ) XXXX XXXX : ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX These four companies are all in violation of United State code 15 1666b and also United state Code 15 1681n. As a direct violation of my rights and the US code, the following late payments must be removed from my credit file : 1 ) XXXX XXXX XXXX XXXX ( Account Number : XXXX ) Time of delinquency : XX/XX/XXXX 2 ) XXXX  XXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX 3 ) XXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4 ) XXXX XXXX : ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

Company - BSI Financial Services Loan Number - XXXX On their website, I am unable to make payment using my name, SSN or Loan Number No one is picking their Toll Free numbers XXXX XXXX They keep adding late fees which is incorrect as there is no option to make a payment. 

Now they want to foreclose Please help.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.