23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has misused my personal information I would like all information corrected and removed as soon as possible, all accounts and aliases and addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this letter on my behalf, requesting that the extended fraud alert that I have on my credit report be removed as soon as possible. Attached are my proof of ID, Proof of address and proof of social security number
Product: Credit card or prepaid card

In XX/XX/2022 I purchased round trip airline tickets using my Chase Sapphire preferred card, the trip was to be taken in XXXX. On my return flight ( XX/XX/XXXX ), a mechanical issue with the aircraft resulted in a 4+ hour delay that result in my party having to miss our connecting flight. We had to spent the night in a hotel nearby, pay for dinner, and incurred other expenses related to the overnight delay. My card benefits include travel insurance if a trip is delayed and results in an overnight stay. I submitted a claim upon return to my home city for the plane tickets, and for the dinner expenses. My claim was submitted around XX/XX/XXXX and was in the amount of approximately {$1500.00}. Once I submitted all of the requested documents to XXXX line, the company Chase uses to process their claims I have been repeatedly asked to submit the same documents over and over again over the course of these last 5 months. When I call them over the phone, the line disconnects almost every time. When I am able to get through to them they tell me that they have received all of the necessary documents and that I need to wait 5 business days. At the end of those 5 business days I receive an email asking for more documents. The process just repeats itself. My claim has been in the final stage of review for the last month and they have yet to make a decision on my claim. I have showed up to Chase bank in person to speak to an associate, the associate had no power to advocate for me. The associate was not even aware that Chase uses XXXX line to process claims. It is very obvious that XXXX line delays and stalls so that people will give up, and I am sure that this tactic is very effective- the whole thing seems illegal to me. As a Chase customer I feel deceived into doing business with a shady company that does not act in good faith. I also have come to understand that the benefits of the card are a scam.
Product: Credit reporting or other personal consumer reports

This is my 17th 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. 
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
Product: Credit reporting or other personal consumer reports

There are numerous inquiries on my reports that I did not make. These inquiries are violating my right to accurate credit reporting. They need to be deleted from my credit file ( s ). FTC advised me to report them to CFPB directly. 

Experian : XXXX ( XX/XX/2023 ), XXXX XXXX ( XX/XX/2023 ), XXXX ( XX/XX/2023 ), XXXX XXXX ( XX/XX/2023 ) XXXX : XXXX XXXX XXXX ( XX/XX/2023 ), XXXX ( XX/XX/2023 ) XXXX : XXXX XXXX ( XX/XX/2023 ), XXXX XXXX XXXX XXXX XXXXXX/XX/2023 )
Product: Credit reporting or other personal consumer reports

Dear human being, To whom it may concern, Listen I am going to be brief with here. 

Do you think that messing with people 's financial life is a joke or is fun. 

Ever since 2020 when I first when I first became that there were corrupted items on my consumer credit report and I file complaint about them to you ( Entities : XXXX, TransUnion and XXXX ) this the same response that you have always given " Company is still working on your issue. '' All the all you have done is using stall tactics even I hired multiple credit repair agencies to help deal with those corrupted items that you had placed on my consumer credit report. So you used all kinds of stall tactics and even blocked me from having access to my consumer credit reports. Till when are you planning to keep on working on my issues and never doing anything worthwhile. Listen, I have plans to start a business I haven't started because I need finances but with all those corrupted items on my consumer credit report the interest on any loan would be to high and also the loans are hard to get. 

My question is till when are planning of working on my issues and never doing anything worthwhile? 

Listen, I am disputing any negative items that is fraudulently reporting on my consumer credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I reached out to capital one via phone to request information showing why my closed accounts were shared with the credit bureau and late payments if there were closed and asked for a written response. I have not gotten one
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXXXXXX  between XXXX to XXXX XXXX XXXX XXXX I made a deposit of {$50.00} to my cash app at XX/XX/XXXX on XXXX and XXXX  in XXXX XXXX ca. cashiers name is XXXX. The payment went through so i didnt bother to check cause i was in a hurry, so i got home and put my groceries away after that I was going to pay something I have owed and my money was not on my cash app. Right away i contacted the support team through cash app link and explained the situation and that person whom i was chatting with confirmed the transaction and it was going to take 24 hours to appear in my account. I have screenshots of the conversation I had and email and still til this day I have got my {$50.00} from cash app how can i go about my money
Product: Mortgage

I had started a loan Application with M & T Bank on XX/XX/23. On this date, I had spoken with XXXX XXXX, a mortgage officer at M & T. 

On the very first call, within the first few minutes I had mentioned the house NEEDED a roof and asked if this would be able to be tied into the mortgage, he said he's not sure and we'll see what we can do. By the end of this ~hour long call, after I've given him all of my information I can, I follow up on the roof. He responds " what roof '' ... The first sign of issues. He ends up saying that we can see what we can do, and that we can move forward for now. 

I had given all of my financial information, bank accounts, active payments, loans, etc. From the start XXXX had misconstrued this information, however I did not find this out until later down the line. 

At this point XXXX told me I should go forward with getting an inspection for the house, and I had scheduled with a third party to get this done. 

Over the next few weeks, the roof was a topic of discussion I kept bringing up, as I knew it was a major part of the decision for them to approve the mortgage. Through the entire process he kept just reassuring me that " we'll figure it out ''. 

At this point I had gotten to underwriting. While working with them he had reached out to me to get some clarification on my income and other information, and at this point I found out he was " crossing off '' my car payment since the beginning, and that was inflating the view of what I could afford. 

Additionally, while it was at underwriting, i was mistakenly sent a message by XXXX that was meant to be internal to M & T, and it stated that the " {$5000.00} grant '' was not eligible, and that the bank would have to " cure '' it. Once again, showing that XXXX was not following due diligence for this process. 

Overall it is my strong belief that if XXXX had appropriately reviewed my information and the situation, and that if the team at M & T actually reviewed these calls and processes, that it would be seen that I should have never been told to move forward with inspection, as the house would not have fit within the DTI ratio from the start. 

The manager I have spoken to that was reviewing my case did not know what I was referring to when we discussed it, showing that he had not efficiently reviewed my case, and only referenced it not being something they would refund as it's a " third party expense ''.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Someone was trying to purchase several items using my credit card information. I got a text message asking if I made these transaction. I replied " NO '' and received a phone call from XXXX asking me about these transactions. Apparently this text was PHISHING for my personal information. I would like to report this number as being a fraudulent organization trying to exploit consumers.
Product: Checking or savings account

Capital One is not allowing me to access or close my account. I called into customer service on XX/XX/2022. The representative told me that I would need to speak with another department. She transferred the call to a department that did not have any live personnel available, so I left a detailed message with all of my information. I allowed 24 hours to pass, as instructed be the representative but no one called me back. I called in the morning, XX/XX/2022, the customers representative transferred the call to the customer protection department. I was connected to XXXX XXXX agent id XXXX ), she was very rude antagonizing and accusing me of fraudulent activity. She went on to say that Capital One has decide to discontinue business and services but I can not withdraw my funds or close the account. Also, I can not check my account to retrieve any supporting documentation to submit for my claim against Capital One. I asked XXXX to connect the call over to a supervisor because she refused to assist me any further and decline to give me her agent id number. I has able to speak with XXXX XXXX agent id XXXX ), she identified herself as the acting supervisor. I asked XXXX to explain the following : If Capital One has discontinued financial services why is the account still open and if the account is still open why can't I have access to check my account to access bank statements? She told me that I will not have access and the only communication will be through email. I told her that if my account is still open legally I should be able to access my account to acquire bank statements. This leaves me at a disadvantage because I can not provide any supporting documentation to assist the CFPB with my claim. Capital One is yet again using shady business tactics to hold consumers responsible for their inability to protect financial accounts and accept any responsibility for the failure to do so.
Product: Credit reporting or other personal consumer reports

Equifax has an address on my consumer report that is inaccurate. According to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) -Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Vehicle loan or lease

I received a temporary permit from the XXXX on XXXX. On that day, I called asked what documents they needed from me to complete this process. I faxed them over within XXXX mins. It took me XXXX separate phone calls across XXXX weeks for them to comprehend that I needed my name changed on my title and personal accounts. I am still waiting for them to send the documents required for a title transfer to the XXXX XXXX in XXXX. I was promised that a branch supervisor would call me on XXXX and no one called. They have called me to ask for the address and phone number, which I have provided on multiple occasions. It has been XXXX months and I have received XXXX different notarized letters. This time with a note attached. The XXXX refuses to compromise and so does TD bank. The XXXX XXXX requires that these same documents be sent directly to them instead of me. I was told on XXXX different occasions that TD Bank is trying to help me without any resolve. The last time I called, they just hung up. I was told that they couldnt expedite my paperwork. Theyre unable to mail these documents to the XXXX and theyre making it, so that I can not register my car. According to the XXXX, any other bank is capable of accomplishing this small goal without any hassle. Its sad. Today is XXXX. I would like help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out numerous letters to the credit bureaus, XXXX, Equifax and XXXX in regards to an account that is listed on my credit report. I simply requested for them to perform an investigation to confirm the validity of this account. The account in question is also being reported inaccurately with all XXXX bureaus. Each of them are stating different information on the date last reported as well as in the payment history. After months of sending them letters they have only sent me back a generic letter or so stating the account was verified as accurate. This is simply not true. I have attached reports from all XXXX bureaus that I pulled yesterday proving that they are lying. How can they all have different information and the account be proven accurate? It can not. Not only that, but I never even received the required notice of dispute in the mail and from what I understand is a violation of my rights under the FCRA if I do not receive this letter once a dispute is entered. Letters were sent out XXXX, XXXX, XXXX and XXXX respectively. I have also attached copies of these letters for your records. I do not believe any formal investigation was done because the errors on my report are clear as day. This has been a total nightmare and financial burden for me. I would like to have resolve on this matter ASAP. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are all hard inquiries that were not authorized by me buy a signature, Credit Card, or the option to opt out of having these cards reported. This is a violation of my privacy according to the federal laws of Congress. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of Ameri ca Privacy Assist r eports the  XXXX  credit bureau scores on their service website. They represent that the scores are ones  XXXX ,  XXXX , and  XXXX  scores. THE SCORES ARE NOT THE CORRECT SCORES although they title them as such. I used their service to try to improve my credit prior to applying for a loan using the exact same bureau scores, but when the lender pulled them and when I pulled them from the  XXXX  companies, the scores provided by Bank of America were a fraudulent misrepresentation and were not the  XXXX  scores provided by the bureaus. When I contacted privacy assist, they said the scores are " educational '' and not the real scores. I have been paying for the service for years for the purpose of monitoring my ACTUAL scores from the  XXXX  bureaus only to come to find out years later that they are fraudulently misrepresenting the scores of the bureaus in what I believe to be a " feel good '' fashion although they are not correct. If Bank of America wanted to provide me " educational scores '' they should have titled the scores as such and not used the bureaus names in the scoring. I WANT MY MONEY BACK!!!
Product: Money transfer, virtual currency, or money service

In XX/XX/year>, my Robinhood account was locked due to concern for unauthorized access. I contacted the company support, explained my issue. A help ticket was opened on XX/XX/XXXX. On XX/XX/XXXX, I received instructions for how to request a phone call. None of the instructions worked over the following XXXX weeks, as the instructions will not allow me to request a phone call without having an account. Since the account is locked, I can not log in to the app. On XX/XX/XXXX, I attempted to reply by email requesting additional support and received an automated message saying the help ticket was closed. I have attempted to contact support through their website on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and have not received confirmation that a case has been opened. My funds have been locked in my Robinhood account for over XXXX weeks.
Product: Payday loan, title loan, or personal loan

My mother XXXX XXXX was told by a rep from XXXX XXXX that if she got their services she would not have an electric bill and more and just make her loan payments reg loan payments which are XXXXWe were told wishing XXXX days the panels would be up and running, till this day the project isn't complete and our roof was damaged plus we have been paying both electric and loan payments since this started in XXXX of XXXX.From the time the contract was singed we asked for a copy and could not get one.We had to get an attorney to give us a copy of the solar power contract, just a little bit before that we got a copy of the goodleap contract.We asked and waited and waited.We found that there was an erroneous email listed on both contracts which is why we did not receive then until mush later.The loan company gave no explanation as to who's email address it is and who gave it to them.There was an erroneous yahoo address that had my mothers name in it, we have never seen it ond no one could tell us who gave it to them.The solar power company claimed it was pulled from the electric company contract which was false.the electric company contract had the correct one on it.That means someone put this address that they had access to on my mothers contracts and had been getting her emails. THESE PEOPLE ARE FRAUDS AND WE WANT LEGAL ACTION TAKEN. THEY CAN NOT TELL US HOW THIS HAPPENED. CONVENIENTLY THE XXXX-DAY CANCELLATION PERIOD WAS UNKNOWN TO US UNTIL WE FINALLY RETRIEVED IT, HAD PASSED. WE WANT THE CONTRACT ELIMINATED, THESE GUYS ARE CON ARTISTS.ALSO, WE LATER FIND OUT THAT AFTER XXXXMO PAYMENTS GO UP TO {$450.00}, WHICH WE WOULD NOT HAVE MOVED FORWARD WITH HAD WE HAD OUR CONTRACT TO REVIEW, WE HAD A HEARING WITH THE ROC AGAINST THEIR CONTRACTOR WHO FRAUDED US AND THEY WERE FOUND GUILTY ON ALL CHARGES, THEY CONTINUOUSLY LIED IN COURT JUST LIKE GOODLEAP AND NOW IT WILL GO TO A COURT OF LAW.LYING DID NIETHER ONE OF THEM ANY GOOD.
Product: Credit reporting

The issue is the continuing of reported information that has been previously disputed. I have requested that Chex-Systems removes these following items from my consumer report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Also I have requested that the inquiries from these credit unions to be removed as well. Also the inquiries from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

Syncrony Bank send me to collections for an account that is already paid! 

XXXX XXXX  XXXX called me a few times to try to collect on a debt that is paid off. 

I called Syncrony Bank and they said the account was send to collections with " XXXX XXXX  XXXX  '' I have called a few times already, to take care of the issue, I dont get any help from both parties. and it shows on my credit as collection account.
Product: Payday loan, title loan, or personal loan

I was denied for a loan on the basis of not being able to provide a copy of my college transcripts. When I called in the representative that I spoke with on the phone told me that it was okay not to have them and that most people are able to provide copies. I believe that I'm being treated unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, due to identity theft, account compromise, fraud, this account, was closed, the new account create was using a different name, as it references the information that I was given to correct this concern/issue. However, recent reviews of each of the credit reporting agencies, Experian, XXXX, and XXXX, each of these accounts year to date credit reporting ends in XX/XX/XXXX. There appears to be no credit reporting since XX/XX/XXXX on or for most of these accounts that are reporting to each of the three credit agencies.

May I ask how this can be corrected immediately? Some reporting companies are reporting inaccurate information as well. It is important to note that I have a contract on some property, and an agreed upon mortgage, it is requiring a large down payment. These errors are significantly impacting each of my credit scores. Can you or will you assist me in resolving these concerns, in a timely manner, I do not want to lose my contract, I really would like to be a home owner. This occurs each time, I attempt to purchase a home. Thank you in advance for any consideration that can be given.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inaccurate information on my report from a company name XXXX for a creditor XXXX XXXX XXXX. XXXX is reporting multiple accounts for the same account number and balance which is a direct violation of FCRA. Each XXXX account shows open XXXX XXXX same amount of {$210.00}. I've never been to this place so how do I owe this company.