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

I have had an account with Golden 1 Credit Union for almost 30 years and was able to continue with the account when I relocated to my home state of Alabama. I have an ATM ( only ) card which is tied into my savings account. I do not have a debit card due to the fact that privilege was taken away back in XXXX when I had an issue with my checking account. I always receive a new ATM card via mail upon expiration of the old one. I had not used my ATM card since XX/XX/XXXX due to to the pandemic and attempted to use it on XX/XX/XXXX when I discovered I could not remember my pin number. I called Golden 1 Credit Union in an attempt to recover my pin number, but discovered that the ATM card had expired XX/XX/XXXX, so I needed a new ATM card and could not remember if I had received a renewed one.Instead of the telephone teller stating that a new ATM card will be mailed out immediately, she copped an attitude and stated that I needed to apply for another one. I immediately quipped that was not the proper procedure for an ATM card, perhaps a debit card which I do not have. She demanded I apply for a new card which was very odd because I had never encountered this problem with my ATM card ever!! It arrives in the mail like clockwork when the old one has expired. She refused my request for a supervisor and demanded information for an application. I complied because I know I have a XXXX credit score and excellent credit and she stated it would be a soft pull. She immediately comes back to the phone and states " you're not qualified. '' Not qualified for what I replied. I then remembered that there is a freeze on my credit report and wandered how she pulled the credit. I received the denial letter today, XX/XX/XXXX, and refers to XXXX XXXX which I am assuming goes back to XXXX when I had a problem. I have never done a credit pull in the past for the renewal of my ATM card. I hung up the call and called back and demanded a supervisor. The supervisor investigated the situation and was perplexed and stated " there is absolutely no reason why you should be denied an ATM card '' and that she would send one out immediately. The bogus denial letter is attached.
Product: Credit reporting

A credit inquiry was done on me today which I did not authorize by CredCo out of XXXX XXXX.
Product: Mortgage

In XX/XX/2017 we decided to refi through HPF. We were to expect a lower monthly payment for the same services. We were refunded taxes " paid in full '' by the law firm. Those funds should have been returned to escrow. During the annual escrow analysis it was discovered that we had not had two escrow items included at on-boarding. I went back and forth with the we care team and were promised they would add the items into my escrow. That did not happen. Our previous mortgage company did pay the landlords insurance policy and our fire tax. HPF refused to do so. To settle the issues of the increased monthly payment and the escrow expenses HPF branch offered us a {$1200.00} reimbursement in addition to a settlement from HPF corporate. We signed the settlement under the advise of the branch employees and on good faith this long drawn out process would be solved. However once we received the corporate settlement we were refused the branch payment. Corporate says the branch can not offer the refund. The branch still maintains that they did offer the refund and stand by it. 

During the course of this transaction i have been in communication with countless members of the we care team, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the beginning of the year I was a victim of identity theft ( FTC affidavit attached as well as proof of fraud alerts on all three major CRAs ). This caused me to look deeper into my credit. After doing so I discovered several inquires I did not recognize. One being from XXXX XXXX. On XX/XX/18 I sent a certified letter to XXXX XXXX requesting proof of " written authorization '' by me with my signature to pull my credit. XXXX XXXX  failed to provide me with such proof. Thus I am assuming they have no such documentation and do not have written authorization from me to run my credit. I also did NOT authorize anyone to have XXXX XXXX  run my credit. According to section 604 permissible purposes are : Firm offer of credit, insurance, employment and court order. Section 604 also states the consumer MUST give " written instructions ''. I have attached an FTC advisory opinion ( below ) which interprets Section 604 of the FCRA on what is both permissible and considered " written instruction ''. According to this FTC advisory opinion XXXX XXXX is in direct violation of Section 604 of the FCRA. I again request that the UNAUTHORIZED inquires be removed from my XXXX  and Equifax report or be provided proof I have given " written instructions ' to pull my credit. I am also aware according to FCRA Section 604 ( A ) ( 3 ) that XXXX XXXX is liable for a monetary fine if they fail to provide such documentation. XXXX  and Equifax are liable for the monterey fines as well for reporting unverified information.

https : //www.ftc.gov/policy/advisory-opinions/advisory-opinion-landever-10-12-99
Product: Checking or savings account

US Bank This started in XXXX of 2024. I received an e-mail from the CDDO department with U.S. bank. CBD OC stands for consumer outreach. They requested that I fill out a form called the Beneficial Owners Certificate. I complied with their request and filled it out and sent it back to them, they contacted me and requested changes to the form. I made the changes and sent it back to them, this continued through XX/XX/year> they had closed the credit card that was associated with this business account. I went to see the branch manager to show him a letter that stated that they were going to close my accounts by XXXX the XXXX if I did not reply. And they did close the credit card on XX/XX/year>. This caused several problems for my company as I have marketing fees that are taken out along with other company related fees. The branch manager called the department CDDO and they stated that they had received the form and that we were good. After waiting a couple of days, the credit card would not work again so I went into the branch location and talked to the branch manager again and he presented me with a form that he helped me fill out that they had rejected the one I had sent in previously, and said my credit card would be opened again. 
On Monday XX/XX/XXXX I got a notice at my checking account that was overdrawn and there was no money in the account. I went into the branch and the branch manager got a hold of the department again and they stated that they had closed the account, but had determined this was a mistake and they closed it on Monday morning and opened it again with insufficient funds, and they said that they had mailed me a certified check that I would receive in a week or so. The problem is that they drained all the money out of my corporation, and I am not able to pay my bills or to pay my payroll. 
I'm still waiting to receive the certified check, there is no way to track the check or to know if it's even in on the way and I can't make payroll. When I mentioned to the branch manager that this was a concern and that I would be turning this over to an attorney, he stated that I signed a waiver that the bank could close my accounts for any reason whenever they wanted to. 
The Branch manager offered to put the funds back into the account for me from the banks general account and when I received the check I would give it to them. The Department said that they would not do this. I feel they are punishing me for making life difficult for them
Product: Debt collection

This company has ruined my life. They are reporting Im deceased and Im alive. I was XXXX and a hospital commuted malpractice and now is falsely reporting things that has delayed my tax return, caused problems with jury duty, and got me denied among other things. This isnt fair and Im not dead. I pray to XXXX people stop saying that and speaking bad things on my life.
Product: Credit reporting or other personal consumer reports

There is a substantial amount of incorrect information on my consumer report including Addresses i have nerved lived at. identity theft has occurred. the amount of debt is to be around {$30000.00} grand all info will be submitted to you on paper.
Product: Checking or savings account

On XXXX XXXX I have a XXXX investment payment transfer {$120000.00} to my USAA account. After the initial hold the funds were released so I was able to move money around to pay bills and whatnot. On XX/XX/XXXX without notification USAA froze and closed my account stating fraud. I was also told that because the name on my XXXX had a different last name, old married name, that was the issue. The issue is not resolved they say it takes 60 days to close my accounts and issue me a check for any funds in the accounts, which doesn't work as I have bills and life saving meds to pay for.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would not believe if I have something in my report but when I went through my credit report I found information that is not mine absolutely. I kindly ask you to help me and to remove account that is not mine. I would like to dispute and have it investigated. I believe that I may be a victim of identity theft. Actually I have never incurred debt with these creditors. It could also be possible you are mixing up this account with someone that has a similar name as me. Please delete this account immediately as I need it asap. When you delete this account please inform all credit reporting agencies.
Product: Checking or savings account

My Employer sent my direct deposit 2 days ago as of today XX/XX/year> it does not reflect on my account. They won't answer my calls, haven't sent me any message or email to let me know status. It's affecting my mental wellbeing and anxiety.
Product: Money transfer, virtual currency, or money service

Between XX/XX/XXXX and XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXXXXXX, which involved me making deposits for a total amount of XXXX XXXX  from my XXXX XXXX  account to fraudulent investment firm ( XXXX ).
Product: Payday loan, title loan, personal loan, or advance loan

I paid my loan in total for a full deletion from my credit report. I have the emails to prove the deletion from my credit report. After I paid {$300.00} the company only put paid in full on my credit report, which caused my score to drop XXXX points. When I tried to reach the company to hold up hold their end of the deal, they responded they could not delete this from my credit report.
Product: Checking or savings account

I have a checking account with JP Morgan Bank and made a mobile deposit on XX/XX/2023 of a check drawn from my XXXX employee XXXX account. This check is a U.S. Treasury Check in the amount of {$1600.00}. 
My account was and is not in the negative and is well over 30 days old. In fact, I have been a Chase bank customer for years.. However, not only was there any amount made available to me within 24 hours but there was a hold placed on this check until XX/XX/2023. According to Chase 's own policies as well as General Rules ( 229.10 ( a ) 229.10 ( c ) ) of the Federal Reserve Bank Consumer Compliance handbook and U.S. Treasury bank check can not be held. 
I spoke with customer service twice on XX/XX/XXXX and was referred to the fraud line and was told that the check was valid and should not be held... However, the representative stated that the hold would still be in place and funds would not be available until XX/XX/XXXX no matter what.
Product: Credit card or prepaid card

I paid my PayPal extra MasterCard full balance {$270.00} XX/XX/2020, came out of my bank account XX/XX/XXXX. As of XX/XX/XXXX, it has still not posted. I called a rep and I was told there was a 14 day hold on the payment with 9 days left. I was not notified when I made the payment. Rep said customers have to call in to find out there is a hold. 
I spoke to a supervisor, but got no where. I have been impacted by covid19 and the money I was to use to pay bills is on hold.
Product: Checking or savings account

Company closed my account with no warning after 4 or 5 years of having the account in good standing. They will not provide a reason for the account closure and will not issue my funds to me in a timely manner. They are holding all of my funds from my direct deposit from my job. I have no other funds available to me, and now have no way to access my money. After speaking with the company, they would only say they had the right to close the account at any time for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the credit bureaus and to XXXX - CARD SERVICE for the following account numbers : XXXX, XXXX, and XXXX. Please notify them of their error posting for this account on my credit report. It does not complement what the Credit bureaus may claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical firsthand documentation of the payment history and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.
Product: Debt collection

I have contacted this collector numerous times without response. They have been paid in exchange for payment. They have not removed themselves from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX and XXXX XXXX XXXX XXXX, IL XXXX. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and XXXXnder 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Credit reporting or other personal consumer reports

I entered a loan agreement for furniture with XXXX The loan agreement states I could return the furniture at anytime without penalty in XXXX I contacted XXXX to try and return the furniture due to financial hardship and they requested I take pictures and send it to them which I did they then said I needed to find a charity and donate the furniture to the charity then send them the receipt showing I donated it. This was not in the contract I even asked XXXX to come get the furniture and they could donate it themselves they refused. In XXXX XXXX reported on my credit report I had a delinquent account with them and I owed money which caused my credit score to drop XXXX points and has hindered me from obtaining credit elsewhere. The agreement states I could return the furniture at anytime without penalty upon me trying to return the furniture they refuse to take it and messed up my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax stored my personal information for their own benefit. In doing so, they did not provide adequate protection for that data. My information has likely been stolen according to their website lookup tool.
Product: Credit reporting or other personal consumer reports

Companies LexisNexis and XXXX XXXX failed to adhere to letter specifically from the bankruptcy courts stating that they don't sell, share nor release this information for the purpose of furnishing to credit reporting agencies and to remove it immediately which did not happen. Also I requested to have all my personal financial information removed from all databases and instead both companies deflected by saying the count not identify me.
Product: Credit card

Everytime I make a transaction, I get a text message asking to call their fraud department. They then provide me with steps to prove my identity. I provide them with these items they requested and when I try to use my card again, they restrict it and ask me to submit the same documentation that I already sent. Its almost as if Im being punished for having a fraudulent transaction happen on my card so now they assume all of my transactions are fraudulent. Its causing an inconvenience and unable to use my card for necessities
Product: Credit card

Subject : Request for Reinvestigation of Multiple Disputed Claims with American Express Dear Consumer Financial Protection Bureau, I am writing to request your immediate intervention and assistance in the reinvestigation of XXXX separate disputed claims that have been denied by American Express. Each dispute involves a clear case of service not rendered, unauthorized charges, and a severe breach of privacy. 

Dispute Details : XXXX XXXX XXXX I returned items to XXXX, following the merchant 's agreement to a refund by providing a return label. Despite shipping the items back and the merchant receiving them, I have not received the promised refund. 
XXXX XXXX XXXX Unauthorized Charge A vehicle purchase from XXXX XXXX XXXX XXXX a series of unauthorized transactions, including a failure to refund an initial down payment of {$5000.00} and an additional unauthorized charge of {$2500.00}. The purchase agreement was eventually canceled by the merchant due to their inability to repair the vehicle, which also necessitates a refund. 
Ref. XXXX XXXX XXXXXXXX, a XXXX Property Privacy Violation During a stay at XXXX XXXX, which was confirmed to include an awarded suite night upgrade, I encountered not only a retraction of this upgrade but also a serious violation of privacy. A spy camera was found in my hotel room, and the issue has been largely dismissed by the hotel and inadequately addressed in my dispute with American Express. 
XXXX
Product: Mortgage

Contact my mortgage broker, XXXX XXXX on XXXX. He advised me to contact to contact XXXX XXXX. XXXX was hired by myself & the private sale purchaser hired to draw up the Legal documents and accepted payments which were submitted to Wells Fargo, they failed to process the necessary paperwork on their behalf. Currently house hunting to actively purchase and was provided the same information from both realtors. My credit report still actively reporting against me for the property in WI, negatively reporting and affecting my credit score, and ability to purchase a new home. This is almost 5 years of damage to my credit report and now negatively affecting my ability to have a roof over my head, as my apartment lease is up and I cant get an approved for a loan. I called Wells Fargo XXXX and the employee sent me an email with the same exact document that I received from XXXX XXXX on XXXX, stating that it is paid in full and the deed has been satisfied, fully cancel, and discharged from me.