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

They let me open a saving account, but when I tried to open a checking account, they rejected the application under the following statement This decision was based on a number of factors, including a report from XXXX XXXX XXXX, a consumer reporting agency. Their report is like a credit report, but looks at your deposit account history rather than your history with loans which makes no sense, since I dont have any other bank account nor credit history. XXXX XXXX  referred me to XXXX XXXX XXXX  and they referred me to XXXX XXXX  again. Nobody is giving a resolution.
Product: Checking or savings account

I submitted a checking account dispute on XX/XX/XXXX for a purchase in the amount of {$590.00} from XXXX made on XX/XX/XXXX. I stated in my dispute that I attempted several times to contact XXXX but have been unsuccessful. I specified I reached out via phone multiple times ( voicemails not returned ), through XXXX messenger ( no response ), and through chat via their website ( no response ). My dispute with Ally Bank was denied. I was informed I needed to attempt to resolve the issue with the merchant. As I stated in my dispute, I have exhausted every possible option available to me to reach out to this company to resolve the issue and have not received any type of response from them. My order has not been received and my refund request has not been completed or acknowledged. Ally Bank clearly did not do their due diligence when investigating this claim and blatantly ignored the facts of the initial dispute. I was promised protection by Ally Bank for fraud, yet they are not following through on that guarantee.
Product: Debt collection

I received a summons and complaint from a process server stating I was being sued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca bar # XXXX. I was server at my place of residence where I have resided for almost two years. Attached to the complaint is a letter mailed to a address other than mine. I never received and letter to my place of abode. The plaintiff never attempted to resolve this matter without taking action, but false claims to have in there complaint. The current and original creditor is n't listed on any documents and again no documents or communication was made with me. I was denied my rights to dispute.
Product: Mortgage

MY HOUSE WAS FLOODED IN HURRICANE HARVEY.  CHASE BOUGHT THE FLOOD INSURANCE BUT DID BUY FOR THE CONTENTS. WHEN I CALLED TO ASK THEM WHAT WAS COVERED SO I COULD BUY ADDITIONAL CONTENT INSURANCE. THEY WOULD NOT TALK WITH ME BECAUSE THEY SAID I WAS NOT ON THE LOAN WHICH WAS NOT TRUE I HAD SENT THEM ALL THEM ALL DOCUMENTS WHEN MY MOTHER IN LAW PASSED TO SHOW MY HUSBAND AND I WERE SOLE OWNERS OF THE HOUSE. SO I LOST EVERYTHING IN THE HOUSE BUT SMALL ITEMS AND SOME CLOTHES AND LOTS OF XXXX COLLECTABLES. THEY HAD LOST NUMEROUS PAPERS I FAXED TO THEM SHOWING THIS. IT TOOK FROM XX/XX/XXXX TO XX/XX/XXXX FOR A LADY IN SOLUTIONS TO FINALLY FIND THE RIGHT PAPERS SO I COULD COMUNICATE WITH THEM. I GOT A PAYMENT IN MAIL AND IT HAD GONE DOWN {$300.00} SO I CALLED TO FIND OUT WHY AND WAS TOLD THE LAST GUY THAT CAME OUT THERE SAID THE HOUSE WAS UNINSURABLE. WAS TOLD TO WRITE A LETTER, WHICH I DID TWICE BOTH 3 TO 4 PAGES LONG AND TOLD THEM I WOULD SURRENDER THE HOUSE IF THEY WOULD GIVE {$10000.00} TO HELP COVER SOME OF MY SMALL LOOOSES. THEY KEEP DENING ME AND THEY NEED TO COVER THEM SINCE THEY MADE THE MISTAKE FROM THE START.. THE CHECK IS FOR XXXX AND HAVE IT IN AN ESCROW AND HAVE ADDITIONAL ESCROW OF XXXX. THERE IS A MORTGAGE ON IT WHICH THE HOUSE IS NOT WORTH NOW. MIGHT 20 TO 25,000 NOW WITH THE DAMAGE. THEY CAN GIVE THE XXXX AND STILL BE AHEAD AND MAKE UP THE XXXX, XXXX WHEN THEY SELL PROPERTY AFTER HOUSE IS GONE. I HAVE GOT RUN AROUND AND PASSED FROM ONE TO THE OTHER AND TOLD LIES TO GET ME OFF THE PHONE. MY ORIGINAL ADJUSTER SAID HE WOULD NOTIFY THEM AND ASK THEM TO SEND CHECK BACK TO HIM AND HE WOULD REISSUE THE CHECK TO ME. BUT THEY SAID NO,. WE ARE NOW IN HURRICANE SEASON AND HAVE HAD BAD RAINS AGAIN AND PART OF THE ROOF HAS CAVED IN ALREADY AND IT HAS SEVERE STRUCTURE DAMAGE AND CRACKS INSIDE HOUSE AND HAD WATER ALL THROUGH HOUSE. THERE ARE RATS IN HOUSE NOW THAT HAVE COME IN AND BEES. I HAVE TALKED TO ISURANCE CLAIMS, HAZARD DEPT, AND MORTAGE DEPT AND BEEN ON THE PHONE ALL XXXX WITH THEM TRYING TO GET THIS RESOLVED. CALLED CORPERATE AND GET NO HELP THERE EITHER JUST PASS THE BUCK AGAIN. THEY NO NOTHING ABOUT CUSTOMER SERVICE ALL I WANT IS TO BE TREATED RIGHT AND GET CLOSURE. THEY TELL YOU WHAT TO DO AND WHEN YOU DO YOU FIND OUT YOU HAVE WATED YOUR TIME.
Product: Credit reporting or other personal consumer reports

Failed to meet my request and opt out of reporting as a federally protected consumer per fcr 8 after been given notice both verbal, non verbal. written and unwritten
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to XXXX in the past. They sent me a letter ( see attachment ) stating that they didn't have any accounts for me. Later, they inserted information into my credit report with a different account number and almost doubled limit. XXXX is blatantly reporting information and changing account numbers to fit their purpose. I continue to attest that I have no accounts with XXXX.
Product: Bank account or service

I have power of attorney on my mother 's charge card, # XXXX, and am on my mother 's checking and savings accounts. The branch at XXXX XXXX XXXX, XXXX XXXX, XXXX, Bank of America adamantly refused many times to let me be added on my mother 's accounts. 
In XXXX I went in again and asked XXXX XXXX, personal banker and XXXX XXXX, Asst Mgr to let me move the points over from my mother 's charge card ( approx. XXXX ), worth about $ XXXX to my mother 's checking account and they adamantly refused. In fact, the Asst Mgr said I should have my sister just do it as she is a joint on the charge card but she does not have access to the checking account. My mother lives in an XXXX and has XXXX issues.
Product: Mortgage

In late XXXX, I contacted Chase Bank to inquire about re-financing my mortgage to lower my rate and take out some equity. Even with the new amount, I would have lowered my monthly rate by {$10.00}. I have been with Chase about 18 months and never had a late payment. I have a XXXX credit score and my wife has a XXXX score. They said I could do it but, would have to have 18 months of payments in my savings account and charge an additional {$500.00} for processing fee. I am XXXX years old and my wife is XXXX. We wanted the money for some home repairs and pay off some bills. Chase is discriminating against middle income people. Plus, they get re-financing substitutes from the federal government. Can yu help with this problem. Oh, I am also a veteran - Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX e-mail : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Inquiries have left hard inquiries that I did not authorize or was falsely explained to that it would NOT impact my credit. 

-- Was first told it was a soft pull like " utilities '' and then when I tried to talk to someone there when it showed up I was passed around for an hour and then told to just file a dispute with the Credit Companies. 
XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX, CO XXXX ( XXXX ) XXXX -- ( three companies same issues on inquiries ) Did not even get or ask for credit from these people. They told me that did it to see if I qualified and couldn't even let me know where they obtained my information XXXX Inquiry from XX/XX/XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX -- This company I was talking to about a student loan. Before I finished the application they informed me that I could not defer the loan and I asked to cancel the application. They called me back and said I qualified for a small loan. I asked them later to remove the hard Inquiries and they said that they weren't able to at all. They have TWO hard inquiries. 

XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX - XXXX XXXX has run my credit three times! I tried signing up for a student loan once when my credit was brand new. I asked them to remove their inquiries and they literally told me that it would take a lawsuit to remove the inquiries (? ) XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX - I have no idea who this following company is, and they don't even have an address or phone number that I can even call to question their inquiry XXXX XXXX. 
Inquiry from XXXX XXXX, XXXX -- The company doesn't even have a place that I can contact to dispute the inquiry. 
XXXX XXXX Inquiry from XXXX XXXX, XXXX -- A local bank isn't even allowing me to question the second inquiry when they told me that they were not re-running my credit. And they said I need to call that department to request it removed. And there is no department listed or even anywhere to ask for the service to be looked over. 

XXXX XXXX Credit Inquiry from XX/XX/XXXX XXXX XXXX Credit Inquiry from XX/XX/XXXX -- XXXX Has issued an authorized Credit Pull. I got a card from them almost four months ago and now there is a new credit pull that I did NOT authorize. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX,
Product: Debt collection

XXXX XXXX has sent me a bill to XXXX different collectors from my mother in laws XXXX account when we lived at her address. The account in reference does not belong to me or my wife.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX Balance Owed : {$210.00} ; XXXX XXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX Balance Owed : {$7100.00} ; XXXX Balance Owed : {$0.00}.
Product: Money transfer, virtual currency, or money service

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 obvious violations. Also my account was closed one day randomly and I had no way to recover it. My tag was XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

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

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 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 XXXXXX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer in fact, recently checked my credit report and I saw an unauthorized inquiry from AMEX on XX/XX/2022. I did not authorize nor give any written consent to this inquiry on my credit file. This is identity theft from American Express and I have been injured.
Product: Debt collection

XXXX  notified me of its credit bureau data breach where an unauthorized user accessed the names, addresses, social security numbers, date of birth and other personally identifiable information of XXXX XXXX XXXX customers stored on the XXXX  server. As a XXXX client for over 10+ years, I was directly affected by this breach and had to file a FTC ID Theft report. After reviewing my XXXX  credit report, I noticed an unauthorized loan from Upstart Network , Inc . I do not recall making such a loan transaction or authorizing a loan application to be executed in my name during the questionable period. UpStart Network previously removed the disputed account from my XXXX  credit report, only to have the trade line reinserted back into my credit report in violation of the FCRA. Further, UpStart Network has not provided me with any valid documentation to verify the applicant source or copies of the executed loan documents. This unverifiable information continues to report on my XXXX  credit report in violation of the FCRA even after the XXXX  data breach and my filing of the FTC ID Theft report highlighting my victimization from the data breach.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXX  : # XXXX, Account XXXX XXXX : # XXXX, Account XXXX  XXXX XXXX : # XXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I recently pulled my reports and noticed you are reporting the following account as no payment history from XXXX and XXXX is reporting the account as paid as agreed ( OK ) from XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX Because the balances being reported by your company and XXXX are different, this means the account has not been properly verified. Please delete this account immediately.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Consumer Loan

My wife and I applied for a car loan from our local bank and were denied because the underwriter rejected my wife 's expired XXXX card ( XXXX ) with an attached XXXX Notice of Action from XXXX. We were told she would need an unexpired green card for approval. Her green card expired on XXXX XXXX, 2016 and the XXXX language extended her green card for a period of one year while her removal of condition was pending. XXXX memoranda and the XXXX website XXXX state that an expired XXXX with an accompanying XXXX " indicates that the card is valid for an additional year ''. 
We requested the bank produce their guidelines or regulations that allows them to ignore valid government documents and provided the bank with both a XXXX memorandum and link to the memorandum indicating the XXXX extended her green card for a period of one year. 
The Bank responded to inquiry by merely stating : " Unfortunately, PNC can not contact 3rd party vendors to verify documents. '' They ignored the fact this is the same XXXX party vendor they relied on to verify my wife 's Social Security Card. Further, they flat ignored my request for the specific guideline that directed them to treat the memorandum as not applicable. 
Also, we applied and successfully closed on a house on XXXX XXXX, 2016. The mortgage lender, following housing underwriting guidelines, did accept the expired XXXX with the XXXX as valid documentation. We requested from the bank a reason for the disparity of treatment. Again, they ignored our request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Told dealership I am pre-approved with XXXX XXXX and asked if they could submit my info to XXXX XXXX only as I do not want multiple inquiries on my credit report. They said that would not be a problem. This was on XX/XX/19. I got an alert XX/XX/19 that the dealership submitted info to other creditors. Three times I demanded not to have my info submitted anywhere else and three times I was told it would not be. XXXX the finance manager calls me back and says the rep was trying to help me get a lower rate and now he is the villain for trying to help out. She mentioned that she can't read his mind and doesn't know what made him do that. He is your employee, how about ask him why he went against the word he gave me. She said if he would of gotten me a lower rate that I would be happy but since he couldn't he is the villain. I explained this is not about help, this is about you telling me you are going to honor my wishes and then completely disregarding what I said and doing what you wanted to do. I told her to remove the inquiries outside of XXXX XXXX and she states we already submitted the information and we cant remove them and that she doesn't know how. A professional would apologize and see what they could do to correct their mistake. If you do not know how then ask your manager or their manager until you find the solution.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX of this year I saw a notification that a collection account was added to my credit report. I immediately filed disputes with all three credit bureaus. I also filed Identity theft charges against my twin sister because she was the one living at the address on the account. I also made multiple calls and disputes with the collection agency. I also filed a FTC REPORT on XX/XX/. After deeper investigations by the other two credit report agencies, they did delete the fraudulent collection account and I was informed by the debt collector agency representative that my twin sister did in fact used my social security number and her name on the application that was used to approve the rental property. TransUnion refuse to remove it!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive asked these companies transunion and XXXX repeatedly to remove these inquiries because they are not mine and Ive done the steps required and the inquiries still are on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXXDOFED Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b : 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 XXXXXX/XX/XXXX. You have noe sent me any document supporting your claims that the disputed items belong to me. The disputed items shold have been removed if you are unable to prove that the disputed items are mine. Kindly comply with the Federal law and have the disputed items removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Ive been having someone trying to open accounts under XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX documents below includes the following. Thanks
Product: Money transfer, virtual currency, or money service

While searching for other documents I ran across a cashiers check that was made from My shares acct with XXXX XXXX XXXX XXXX that was made payable to navy Federal credit union. I have never been affiliated with navy Federal credit union. The amount withdrawn from my XXXX XXXX XXXX  was for {$10000.00} date of withdrawal was XX/XX/year>. 
I contacted both institutions regarding payment and neither institution was able to provide me with additional info. I realize this was quite awhile ago but the amount is very large. Navy Federal could not find any accts under my name and XXXX XXXX stated that date the payment was made was to old. I'm very concerned as to why payment would have been made to navy Federal credit union since I have never been affiliated with navy federal.