23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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 believe the employees at Barclays are using my credit card. My first call to Barclays was to tell them someone got a hold of my card and is making purchases. They sent me a new card and the new card was compromised with fraudulent purchases. Next call was to close the account. Customer service said they closed the account and I would receive a letter. No letter received. I noticed new pending charges on the card, after they told me it was closed. Next call to Customer Service was to speak to a XXXX regarding not receiving a letter and not closing the account. XXXX said it was closed and I received a letter saying it was closed. Today, Friday XX/XX/2022, I see a charge of {$60.00}. Will call Barclays again to find out what is going on. I am convinced the customer service employees at Barclays are using the account that I was told was closed.
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 process 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: Credit reporting or other personal consumer reports

I believe your actionsor lack thereofconstitute.

Your personnel 's inability to communicate effectively in clear English and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity.

I demand an immediate investigation and resolution of my dispute, as well as a written confirmation of corrective actions taken. If this issue remains unresolved, I will consider escalating the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Georgia Attorney General 's Office, and pursuing legal action under applicable state and federal laws.

I look forward to your prompt attention to this matter and expect a response within 15 days of receipt of this letter.
Product: Mortgage

My mortgage was sold to a new company without any notice to me or my wife. I tried to make my monthly mortgage payment to the company I had been paying ( Stearns Lending ) and was told that they no longer held the mortgage and that I should contact the new company. I only have XXXX pieces of information for the new company the name " XXXX '' and a phone number of XXXX. When I tried to call XXXX I received an automated message that if my loan was recently sold that they 're customer service agents would not have access to any information for my loan and was not given any options to speak to a live operator.
Product: Credit reporting

For the past several, years I have gone on line to try to obtain free report and have been unable due to not be able to enter the jungle of numbers/laters OR not seeming to get the numbers things correct such as today about XXXX to XXXX question related to XXXX and all were not related to me or my history,. they were on a mortgage and I have XXXX not since XXXX.
Product: Checking or savings account

I'm an XXXX XXXX XXXX XXXX  XXXX XXXX and has Navy Federal Credit Union online banking ( there is no local branch, neither does Navy Federal Credit Union have shared banking with other Credit Unions ).

I requested Navy Federal Credit Bank {$50000.00} personal loan, which was immediately approved and I had it transferred to my savings account with Navy Federal Credit Union. 
I requested Navy Federal Credit Union to wire transfer {$25000.00} to an external personal Credit Union XX/XX/2022. They asked me to put it in writing and email to XXXX with a copy of my govt issued ID card, three signatures and 3 signatures and Code word. I submitted request as instructed. I didn't receive any confirmation of receipt of email, so I called them 48hours later. They informed me they received the email but my govt ID was blurry. I resubmitted XXXX XX/XX/2022 and once again waited to no response. Since XXXX XX/XX/2022, I have called Navy Federal Credit union on their toll-free number XXXX numerous times trying to get the security department to verify me, all I got was over 2 hours wait time then the call drops. On XXXX XX/XX/2022, I called the toll-free number, I was asked to resubmit my request and change my code name, which I did and resubmitted the request. On XXXX XX/XX/2022, I once again called and was asked to give the Security team 3-5 business day response. When I requested to speak to the department head, they once again put me on a 2:27 min hold before the call dropped. 

I have gone to the extent of sending a friend to local Navy Federal Branch in XXXX Texas to verify the email and my current situation ( keep you on hold for 2 hours, and not respond to any emails ) and provide me their local branch phone number While the branch refused to confirm or deny, they handed him a business card with the same toll free number XXXX. I called the call center and had them patch me to the XXXX branch, who refused to verify me or help me and asked me to call the toll free number. 

My online account has been blocked ; any efforts to have Navy Federal Credit Union activate it has been futile since they say they can not until their Security verify me or clear the situation. The loan payment is due XXXX XX/XX/2022 and I can not get access to my account nor the money they loaned me. 

Navy Federal Security department contact me via email ( as they have send me verification codes every time I call so they verify my phone call ). In addition, they say they can not call me because of time difference. Even though I've indicated am available 24/7 and there is only an 7 hour difference between us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the process of reviewing my consumer report and noticed many inaccuracies regarding Account # XXXX including but not limited to, Account Status, Date Opened, Last Reported, Date Last Active, Date of Last Payment, as well as Payment History. 
15 U.S. Code 1681e Compliance procedure states : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Please investigate and provide proof that the consumer reporting agency was in compliance with this matter. 
Please delete from my report from this agency for violating compliance procedures. 
Thank you in handling this matter.
Product: Checking or savings account

I havent received my payroll deposit that should have been deposited at XXXX XXXX today Tuesday XX/XX/2018 due to another vendor of American Express which has been being dealt with since Friday morning. This is unacceptable.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, our business checking account was compromised at around XXXX. a wire template was created an authorized user was created and a wire for {$49000.00} was sent out, we informed the bank immediately at around XXXX and stated they would recall the wire and shut the account down. We immediately went to the bank following the call and as we were explaining the situation To the banker, there was XXXX additional wires for XXXX each. The banker had stated the fraud department was on the line said we gave a verbal authorization while we were sitting in front of the banker. The bank said they would handle it from there and took all the necessary steps on there end to retrieve the money back. This was about XXXX. We had called chase bank via telephone and the fraud department said no one filed a recall or recalled the wire at the bank and I had to get the banker on the phone to recall both of the XXXX at XXXX. I went back to the bank immediately and they stated they didnt have the option to recall the wire after we stated we had the ability to do it when we called in the first time and again after we left the bank and have all the time stamps when it was initiated. 

They told us to come back on Friday XX/XX/XXXX. 

On XX/XX/XXXX, the bank manager XXXX at chase XXXX XXXX XXXX XXXX XXXX ca XXXX informed us the claim have all been approved and we would be getting all of our money back {$99000.00}. She said come back Tuesday XX/XX/XXXX for more info. We went back XX/XX/XXXX and at the bank managers desk XXXX again informed us the claim has been approved letters have been sent to the receiving bank and well hear when the timeline for the money would be returned and that we dont need to worry about anything further because it was approved, but an hour before that the fraud team told me they recovered the first XXXX, and they are sending me a hold harmless agreement to sign for the receiving bank to release the XXXX. We then thought so if the first wire was recovered, why didnt the fraud dept lock and secure the accounts after the fact we had told them our account was compromised. We again went to the banker and she stated we would get all the money back 100 % just come back again next Tuesday for an update. 

During the wait we call in and the escalation team then said only XXXX was received not the first XXXXXXXX XXXX and When I called in XX/XX/XXXX, they at first claimed there was no update on any of the claims and we need to wait 30 days. After pressing them about the hold harmless agreement, they then said they sent out the letter on XX/XX/XXXX. I asked to speak to an escalation supervisor who then informed me the fraud claim was approved then later denied. Then after pressing him about the hold harmless letter he informed me it was for XXXX not XXXX and they need 30- 90 days before they have an answer. We keep getting the run around and no one seems to be telling us the truth and there have been multiple stories since the fraud occurred. We desperately need help as this money will keep our business afloat. Our account was comprised.
Product: Credit reporting or other personal consumer reports

Personal information was leaked due to the Data breach leak from Equifax. Submitted multiple disputes for inaccurate information reported on my credit report and fraudulent use of my information & accounts. Equifax " investigated '' and determined inquiries and information was correct.
Product: Mortgage

I filed a complaint with the Consumer Financial Protection Bureau ( XX/XX/2021 ), complaint # XXXX against Bank of America XXXX 

I had been communicating with Bank of America 's Escalation Department for the months of XXXX 2021 ( in regards to the Deed of my property being incorrect ). 

After I filed my complaint with the Consumer Financial Protection Bureau, my ability ( XX/XX/2021 ) to pay my mortgage ( online ) was blocked by Bank of America. 

I recieved an email, after speaking with several representatives from Bank of America, telling me that my account ( to pay my mortgage online ) was blocked because I am currently in an adversarial proceeding with Bank of America, such as active litigation, mediation, or arbitration & that all further communication will be from Bank of Americas counsel.

This seems unethical and illegal to block my ability to pay my mortgage as a result of my filing a complaint against Bank of America.
Product: Credit reporting or other personal consumer reports

When XXXX sent me a new card Equifax started showing that account as being closed. When I noticed that I disputed the status with Equifax. Now Equifax is telling me that the account has been deleted from their system as per XXXX  request. I've contacted XXXX several times and I've contacted Equifax several times and they both point the finger at the other. Meanwhile I'm stuck in the middle with a credit report that's not accurate. Please help.
Product: Mortgage

Hi, I have XXXX mortgages with Nationstar Mortgage, all of which are automatically deducted from my checking accounts. In XXXX, I was the victim of identity theft which prompted my bank to lock out access to my accounts. Unbeknownst to me, this prevented my accounts from automatically paying XXXX of the loans ( XXXX ). 
Nationstar did not notify me of this problem in writing ; its agents called, but inexplicably failed to leave messages so I had no way of knowing who was calling. Moreover, I was on extended travel in a remote location and so could not access my accounts to investigate any potential problem. 
I called Nationstar and paid the past due amount, the current amount, the next installment and restored the auto-pay feature. I even paid the {$4.00} penalty. 
I asked Nationstar to consider removing the derogatory incident from my credit report given that it was caused directly by identity theft and that I had made a good faith effort to correct it. Nationstar asked me to submit proof - which I did - via email but then did not respond. In addition, it assessed an inexplicable {$3.00} charge to my next statement.
Product: Money transfer, virtual currency, or money service

On XXXX I received a call which appeared as JP Morgan Chase XXXX # XXXX and the lady that contacted me told me I was a victim of a fraud. She indicated my account showed a transaction for {$400.00} and another for {$700.00} from a XXXX in Texas. She advised that I needed to send her XXXX separate XXXX transactions in order to protect my account and the immediately I would get my funds back. She requested one charge for {$700.00} and another for {$1300.00}. After speaking with them I realized there was an issue. I went to the bank the next morning and they advised to contact the Fraud Department however, after 10 days of waiting for a response from Chase they advised they couldnot help me and didnt return my funds because I was not a victim of Fraud but a victim of a scam. I have submitted a request via XXXX for assistance and I am still pending a response. I need help in getting my funds back and any help would be appreciated. AT this time I am not sure where to turn. I am an elderly person and a victim. Thank you
Product: Mortgage

Over the past month I have talked to multiple people at the bank and they made many promises to me to get it fixed and Huntington National Back has not fixed my credit limit. I owe {$0.00} my total credit limit is {$32000.00}. Bit my avsilible credit shows $ XXXX less than XXXX.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9100.00} XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Bank Of America for over 35 years I have no lates no inquiries within the last 12 months and length of time my credit has been established has been over 30 years all that is incorrect I Make enough money to cover my bills I dont see why they declined me for a credit increase please explain what category do I fall under everything they wrote is incorrect and my credit cards are not at the max so please explain you say fair and equal credit opportunity I dont see how. Please explain ... thank you
Product: Student loan

In XXXX of XXXX, I received a statement from Heartland ECSI requesting {$12000.00} on Perkins loan with the due date on XX/XX/XXXX. I called them and placed the loan into forbearance as I did with all my other federal loans. This statement included one account with XXXX XXXX. At the same time on XX/XX/XXXX, XXXX XXXX requested Tax offset for debts owed to XXXX XXXX to Franchise Tax Board for  {$1000.00}, and in XXXX, I did not get any state tax refunds. 
Now, XXXX XXXX is withholding my transcripts and placed me into default, although, I was supposed to be in forbearance. XXXX XXXX together with Heartland placed me into collection while I was supposed to be in forbearance. When I called to Heartland, they didn't have my account at all. This is a retaliatory action. I found this all out because I applied to XXXX XXXX XXXX XXXX to study XXXX XXXX, and now I can't further my studies due to default issues on my record with XXXX XXXX. They are withholding my graduation, my transcripts and asking for monies that should've been in forbearance. This is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was studying abroad in XXXX ( about a month after graduating ), Nelnet stated that I made a late payment. The entire time I was in XXXX, which was for over 1 year I never received any information regarding the loan nor payments. I was unable to see any mail sent to my house as I was abroad. Before I left for XXXX, there was no communication between Nelnet and myself. I never received any form of communication from them telling me I was going to have to pay soon. I also have loans with XXXX XXXX, a private lender, and was paying on those while in XXXX. Had I known about Nelnet loans, I obviously would have paid them in a timely manner. I have provided proof of my time in XXXX and they have consistently denied my requests to fix my credit report or even negotiate with me. Upon returning to the US in XX/XX/2017, I checked my mail and saw the letters from Nelnet. I immediately called and started a payment plan with them. I have never been late on any payment. They have marked my credit score with 9 late payments ( 1 for each loan ). This is creating havoc in my life and is forcing me to find cosigners for each and every major purchase needed. I have been denied by various credit advantages due to this incorrect information on my credit report. All I am asking if for someone to try and understand my situation. This is making my life very difficult when it should not be.
Product: Credit reporting

Good Morning, I am reporting a creditor the XXXX XXXX XXXX because on Friday I went online to pull my credit report to look into purchasing a home in 2016 only to discover that this creditor has reported to the credit agency that my debt was essentially charged off and a written off on my credit report which is totally inaccurate. The debt in question has indeed received full payment and satisfied. The creditor I assume sold the debt to a debt collection agency who I had absolutely no contract with to collect the debt. I am requesting this debt be deleted off my credit report for inaccurate reporting and any funds I paid after the charge off date be refunded to me for the false information they have reported to the credit agency on all XXXX bureaus
Product: Credit card

Dispute XXXX For not receiving the bracelet There was nothing in the boxphoto attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported wrong address twice but it hasn't changed I live at XXXX XXXX XXXX XXXX XXXX do XXXX for 20 years not at XXXX XXXX XXXX XXXX XXXX do XXXX my husband and his mistress are at that address
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I had 12 charges to my card on XX/XX/2021 from a XXXX account using XXXX XXXX  to send money to another XXXX channel. These charges were not made from my XXXX account or my XXXX account.. there is a very clear list of charges that date back further so i can prove that. I have also never sent money on XXXX with XXXX XXXX so its not even something I do. These charges happened after i went to sleep i believe XXXX ish. I didnt notice them till a few weeks later because my email linked with the card gets a ton of articles and sale notices so i get like 30-40 emails of nonsense a day sometimes. I disputed this because ive had my card stolen from businesses who use foreign processor usually a few times a year because they do not disclose what cc processor they use, and I have never once been denied and this one is classic fraud tactics ton of small charges thru intermediaries funneled XXXX channels. I was not provided any information and I even disputed this thru XXXX who came back with unable to confirm fraudulent activity ... makes no sense the card was used from another account and they did not provide me with any details of why their investigation ended in a denied claim. Didnt get told who actually used it or who they sent it to, and I have no further way to follow up with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report my ID stolen. I was looking to buy a car this weekend and I pulled my credit report and found addresses and bills that do not belong to me. 
someone is using my Name and ID to open accounts. I have never had a loan with XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX , I cant find any bills or records of me doing any business with theses companies. I have filed a report with the FTC and CFPB. Not sure what else to do. I have turn in the paperwork to the companies as well