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

I need access to my {$20000.00}. I need to withdraw my {$20000.00} to close the nasty discrimination account that they have me XXXX times to go to the branch to verify. I have bring this case up to the multiple times. and then disgraceful workers that not know how to do their investigation. I know the money was clear from XX/XX/XXXX we are not talking about this that money we are talking about accessing that {$20000.00}. The letter that you sent me does not allow me to get access to my money so find a solution take your discrimination self and find a solution your discrimination says not helping find a solution telling me to visit our branch. I already visit our branch. They are telling me to go back to you guys to fix the problem so I can close the account and go somewhere that is not being discriminated against me. I am XXXX and XXXX glad that XXXX XXXX. I do not have nobody for insulting me over the phone telling me Chase can hold onto my money as long they can hold it on for go and listen to your nasty work is over the phone and release my money.
Product: Money transfer, virtual currency, or money service

I used XXXX money transfer service in Bank of America online to transfer {$3000.00} to my mom on XX/XX/2020. The transfer service requires that you use a phone number or email to send to the recipient : in this case, I used my moms cell phone number. My mom registered her XXXX account a few hours later the same day of transfer using her cell phone number. The transaction was marked completed ; however, the money was never deposited into my moms account. I contacted the XXXX Recall Team at Bank of America to file a claim. They said it would take up to 40 days to investigate. After 40 days. Bank of America said that the money was deposited to the recipients account, which it did not. I reached out to the XXXX team again this time with my mom on a 3-way call to verify that she did not receive the funds. Bank of America said that the money was deposited to an account that had the same phone number as my mom, before my mom registered her phone number with XXXX the day of transfer. My mom has had the same cell phone number for over 15 years. This fraudulent activity is due to a token error during transaction processing. Someone was able to verify a phone number to set up their XXXX account as the same mobile number as my mom causing the deposit to the wrong account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have made late payments before with the following companies below : - Capital One ( Vehicle Loan ) - XXXX  XXXX XXXX ( Personal Credit ) - XXXX XXXX ( Personal Credit ) - XXXX  ( Personal Credit ) - XXXX ( Personal Credit ) I admit that I have missed and late payments with them before, but I already paid them all off. To this day, even when Im doing better with my credit cards, old information from them still hurts my credit score. 

With Capital One, the full Vehicle Loan was to be paid within 6 years. I have paid it full, 2-3 years early ( XX/XX/2022 ). 

With XXXX  XXXX XXXX, XXXX XXXX, XXXX, and XXXX, I have paid them all off, before closing them. 

I couldnt find nor provide my Statement Accounts information from them, because as I said, all my accounts with them were already closed. 

Please do help me resolve this problem. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

We are refinancing our home and our bank stated there were two outdated phone numbers on my account ( one old home landline and one old employer number ), and these needed to be fixed before the loan could be processed. I tried numerous times to contact equifax on the phone and they would not verify my identity over the phone. They asked me questions related to my accounts and I was reading directly off my credit report. They wouldn't be specific any what they actually wanted. They wanted minimum payments on a credit card and they asked if I ever had a credit card or store card or loan. They would provide a time frame they wanted. After 37 years of marriage, we have had many loans but they wouldn't clarify what they actually wanted. I asked for a supervisor and she wouldn't try either. I had no problems changing this information with XXXX and XXXX. This delay is creating my loan to be held up and my interest rate on the loan to increase. The other companies asked for my pin and the answers to my security questions. Equifax would not verify my identity even with my name, birthdate, SS #, address, zip code and reading the information to them off the XXXX report. 

The customer service was rude and unhelpful. I called again today after faxing my information to them 2 days ago and they still wouldn't help.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Upstart Loan Operations and Holdings, due to their persistent bad business practices, including inaccurate and inconsistent credit reporting, failure to comply with federal consumer protection laws, and negligence in handling the transfer of an account to a third-party debt collector, XXXX XXXX XXXX XXXX These practices have caused significant harm to my creditworthiness, financial reputation, and overall well-being, and reflect an ongoing pattern of noncompliance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), and Unfair, Deceptive, or Abusive Acts and Practices ( UDAP ). The account in question originated with Upstart, opened on XX/XX/XXXX, and was later sold to XXXX XXXX XXXX in XX/XX/XXXX. Despite my repeated efforts to resolve inaccuracies and inconsistencies related to this account, Upstart has failed to take corrective action or provide adequate documentation to substantiate the accounts legitimacy and reporting. Furthermore, their transfer of the account to XXXX XXXX XXXX was done under flawed and incomplete documentation, creating further confusion and inaccuracies in the reporting of this account to the credit reporting agencies ( CRAs ). This issue began when I identified discrepancies in the reporting of this account across all three major credit reporting agencies : XXXX, XXXX, and XXXX. These discrepancies include conflicting payment histories, improper charge-off timing, double reporting, inconsistent account open dates in attempt to misrepresent the debts age, defamation, and willful and negligent noncompliance with federal laws and regulations. I find Upstarts actions to be unacceptable and believe that the XXXX CFPB, and other consumer protection agencies should be informed of these practices. I have attached evidence, including credit reports, dispute records, and correspondence, to support my claims.
Product: Debt collection

Midland Credit Management is contiuously harrassing and getting accounts wrong. They are saying that I owe a debt that not only has been paid but also others that are beyond 7 years old and somehow are only showing on my report in the last year. 

There are 11 derogatory marks on my credit report 9 of which are coming from midland and all have been " bought in the last two years '' for older accounts than 7 years ago. They have threatened legal action, call at all hours, mail harrassing letters, and when contacted threaten further. I am also being contacted through email as well. 

This has to stop. They have to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see iterns ; that aren't mine. I got in contact with the police and FTC. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit report XXXX/XXXX.XXXX, XXXX ( acnt # XXXX, ) XXXX  ( accnt : # XXXX ), XXXX XXXX XXXX ( accnt # XXXX ), XXXX XXXX  XXXX ( accnt XXXX ), and these inquiries are not mine either XXXX/XXXX   XXXX  XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX. Please help me.
Product: Debt collection

I received a debt collection notice from Southwest Recovery Services for the amount of {$370.00} in XX/XX/2019. Upon which I sent them a letter formally disputing the debt and requesting that they verify the debt on XX/XX/2019. 

I haven't seen or heard from the collection company since and today, XX/XX/2019, I noticed the collection on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting wrong personal info such as my name and address
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is intentionally blocking positive payment history from two accounts in my credit file. I have a credit account with XXXX and XXXX XXXX XXXX XXXX XXXX opened in XX/XX/XXXXand in XX/XX/XXXX,  however ; they only display 3 years worth of payment history for these accounts. I have confirmed with the data furnishers that all years of payment history have been reported to TransUnion. <P/>I feel this is intentional to prevent my score from being as high as it should be for retaliation of previous complaints. I feel this way because my accounts that have negative information are reported in their entirety. <P/>I need my file to be completely accurate, as it is essential to earning a living. I am the XXXX of an XXXX XXXX and my personal credit is being considered to close a loan for a major acquisition. The intentional omission of my payment history with XXXX and XXXX XXXX XXXX XXXX XXXX is causing actual financial harm that, if unchanged, I will have to seek recovery of in court. <P/>I have attached my credit file obtained directly from TransUnion to display the lack of payment information for the above mentioned accounts.
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 violates 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 of these violations.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

My landlord uses the website XXXX to manage rent payments. To utilize this, I must connect my PNC checking account to the site. When I tried to connect my checking account, I was presented with the message " PNC has made a change that prevents you from being able to link your accounts. '' This prevents me from paying rent. This issue must be rectified by PNC.
Product: Credit reporting or other personal consumer reports

The company refuses to send me bills or statements for my card. The only communication I receive from them is the occasional phone call telling me to pay the bill. In XXXX, they updated my mailing address but still sent me no bill and then in XXXX took payment and marked my account late/delinquent. The account would be paid on time and in full if proper notification would be sent. I cant pay what I dont know.
Product: Debt collection

Company is requesting debt form me from a charged off account. When I reached out to company case manager was rude and belligerent towards me. I asked him to provide me with contracts that state I owe his company a debt over six months ago wasn't provided.
Product: Credit reporting or other personal consumer reports

Experian didnt do a real good investigation it came back valid when I never open checking account online nor agreed to any debit that does not bare my signature nor my knowledge of such debit
Product: Debt collection

Told collectors to ceast & desist on XX/XX/XXXX after multiple calls to my work phone from XXXX all tran financial
Product: Credit reporting or other personal consumer reports

This is my six 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXXBalance : {$12000.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX XXXXXXXX : {$14000.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX  XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXX  XXXX XXXX : {$17000.00} XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$25000.00} XXXXXXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing.
Product: Credit reporting or other personal consumer reports

My personal information was breached in the XXXX data breach. Adverse information was furnished to my consumer FICO report. Please review the attached items for more details. I expect these fraudulent accounts to be removed in 4 business days according to the FCRA
Product: Credit card

after giving a substantial amount money to Discover card for a prepaid card & waiting for it ; after I received it, I activated it and tried to set up an account on their app. 
they took a substantial amount of information to set up the card, they took my money. Immediately, they had me enter more private information to try open up the account, so I can actually see, and use my account on their app, and the system would not work to let me set it up. 
I followed their parameters meticulously. I took precious amounts of time to follow their customer service direction that sent me to another customer service that sent me to another customer service. 
during one of these brief encounters, they had me set up a different way of addressing this failure of their IT or business practice being set up to exploit lower income & credit disadvantage people people. The last attempt at trying to set up the account. They had me enter four digit code instead of a user ID and it said it can not do it. yeah after all the grief they gave me and canceling my card this morning I get congratulations. Your four digit code is ready to go after it told me it could not work. I have many screen shots of my attempts and names, ids attempted of setting up the account user ID and enter the four digit code, along with a copy of their parameters for these, and it would not let me. With their customer service less than motivated to solve the problem or address information, I gave them basically completely ignoring it, I was terrified that they had all of my information and they're now making my credit worse putting it at Jeopardy more. after I went to close the account, they tell you that you don't get your money for over two months.

I am not a lawyer I can not afford a lawyer I can not afford to have them sitting and rolling around in my money that they took so easily, but will not address their failures in their IT. I hope this agency has some understanding of what they may be at fault of or if you just all in bed with them I am shocked at how this played out. I am terrified of what they've done to my credit now and they have my money.
Product: Debt collection

I had a collection beacuse I have not paid to   XXXX   XXXX   and They pass the account to Van Ru Credit Corporation. I talk to this company and agree to pay the amounted owned. So they will sent me a paid of letter.   That happened  XXXX   XXXX  After paying they told me that they will send that paid off letter and I was expecting that letter and I never get it. Finaly in  XXXX   XXXX , the collection company send me a paid off letter, however I do not need that letter from them.   I want to buy a house and they do not provide me the letter from  XXXX   XXXX , which is my original company that I used to own money.   I have contact them many, many times ... they told me sometimes yes, we will send you the letter, another times they keep telling me No ... You need to write a letter to request us that paid off letter, and I did so  XXXX   XXXX , and I receive a letter from them this time they said that they are unable to fulfill my request.   I see no reason for them to do so if I have paid off what they ask me ....   What is the problem I have contact them at  XXXX   XXXX   XXXX   XXXX  as many times as i can.. Almost  four  times a week..   They even record the communications Also they said ok I will let you speak to another department and they tranfer me as many times as they want It is like they are playing with me and my time.     Even when I said that i summit a complain with you. They said that I can do what ever I want ... .Thay do not try to stop me ....   Help
Product: Credit reporting or other personal consumer reports

This is my second 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 Items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXXXXXX XXXX Balance : {$670.00} ; XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$740.00} XXXX XXXX XXXXXXXX Balance : {$140.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$310.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} ; XXXX XXXX XXXXXX/XX/2022.
Product: Mortgage

My loan was purchased by BSI Financials- a company that seems to be a shady unreliable and untrustworthy lending company. I spoke with BSI financial about recasting my loan as well as dropping my PMI back in XXXX of XXXX when my lawn was a little more than XXXX months old and I had made full and on time payments for the loan 's entirety. I was told that I could do both and they sent me information on how to do just that. The process was to take XXXX days. I officially completed the improvements to the home in XXXX of XXXX and sent {$250.00} and an email with a signed letter requesting the actions of dropping my PMI and recasting my loan on XX/XX/XXXX and received a confirmation number ( XXXX ) and was told that I would hear from them soon, It had even explained that I would hav veto pay for the appraisal but that everything else was on them to handle. I was also told that I would not be able to use the online portal to make payments on my mortgage while the loan account was in review for these tasks ( recast and PMI drop ) I have had to call in with routing and account numbers every month in order to make payments. I emailed and called and have had no luck. I was lied to and told that the loan was in underwriting - I asked how that was possible when I have not been assigned an appraiser or paid for the appraisal to happen. that email was never answered. I emailed again and I was told that the loan was under review and I should wait for more information. I called and emailed again - finally getting the situation escalated to a supervisor who seemed to realize that I had been being lied to by the account manager as NOTHING had been done with my account this whole time. I was assigned to another account manager who has no gone radio silent and will not respond to email or VM. We are now XXXX months ( XXXX days ) into a process which really should only take a few weeks but is long past the lender 's XXXX day window. I do not what to do. I invested a lot of money into the property based on materials of information provided to me by the lender that I would be able to drop my PMI and recast the loan. NOTHING has happened. I feel that I have lied and stolen money from me. PLEASE HELP ME