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

My cheaking, saving and credit card account was flagged due to frau. I was told someone had opened another bank account under my name and DOB but with a different SSN. I was not notified of this until I attempted to log into my account using the mobile app. On XX/XX/XXXX I rushed to a branch where I met with the branch manager XXXX in XXXX, AZ. I was told to submit an appeal to have my count reopened. I submitted XXXX & XXXX XXXX, Social Security Card, XXXX XXXX XXXX and 3mo current paystubs as proof of my personal information and SSN to a bank I've been a member with of 5yrs. I was told that the review of the appeal would take up to 15 days. On XXXX XXXX I recevied an email stating that my appeal had been carefull reviewed and the information provided. " In veiew of the unsatifactory manner in which I maintained my previous accounts they are unable to remove th restriction at this time. Not understanding what this means, I drove back to XXXX branch which is a 3hr drive for me for understanding. He was told that the incident is still under investigation. As of now we are past the 15 business day the appeals process states. My account is deposit only, meaning money can come in, but I will have to go into branch to remove funds which is a 3hr drive for me. I have no way pay my mortgage, auto and many other bills electroniclly. Not to mention my direct deposit go 's into this account. Nor do I have a way to pay my credit card bill in which I have with Navy Federal Credit Union. This is no way to treat a Veteran who give 20yrs of service to this company.
Product: Credit reporting

I have never lived at XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/scrub>XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving dispute. 

XXXX XXXX XXXX {$200.00} XXXX  XXXX {$910.00} XXXX  XXXX XXXX {$130.00} XXXX XXXX XXXXXXXX {$150.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

# XXXX items purchased for {$90.00}, {$53.00} and {$110.00} on XX/XX/21. 2 items returned XX/XX/XXXX and 3rd item  returned XX/XX/XXXX ( could not take them to store for faster credit due to Covid-19 as the stores were closed ).  Refund of {$90.00} has been supposedly processed as a credit 3 times including today. They claim this item is still sitting in their warehouse as unprocessed. Item for {$53.00} was credited but still shows on balance through Macys/XXXX XXXX XXXX. Item {$110.00} has been successfully credit to account. When I look at Macys.com the balance finally shows XXXX but when I call in to them to talk about it, I am told by their automated system that my balance is still {$140.00}. Please help!!!
Product: Credit card

I have a Chase Freedom Unlimited credit card. On XX/XX/2024 I received both email and text message from Chase regarding a fraud alert charging me {$600.00} from XXXX XXXX XXXX with {$18.00} XXXX XXXX XXXX and {$2500.00} from XXXX XXXX. I immediately responded " NO '' to both email and text message, denying both transaction. In fraud alert, it stated that the transaction was declined. I called Chase personally and had my credit card cancelled. Now XX/XX/2024, I received a letter from Chase saying that the transaction was valid and charged my credit card {$600.00} with {$18.00} XXXX XXXX fee. I called Chase why was I charged and how did they come to a conclusion that I made that transaction and I was told that it verified using my phone number. I called Chase and sent the screenshot of the message they sent with my reply " NO ''. I was told they will re-submit the fraud claim and to wait another XXXX business days. As far as the {$2500.00} from XXXX XXXX, they haven't send me any letter regarding this and remained off of my credit card charges.
Product: Mortgage

Fay Servicing is " Double Tracking '', refuses to provide the reinstatement amount, did not notify the party in their records, and repeatedly requested duplicate documents : I inherited the family home as Trustee and Executor when my mother died. I paid on her mortgage but it remains in arrears. Fay Servicing, ( Fay ), told me their " preferred option '' would be for me to assume the loan. I sent Fay a completed mitigation application and all the documents requested. Fay asked for more and more documents, some twice. On XX/XX/2019 Fay asked for " Letters Testamentary '' which the XXXX  small estate process does not even use. I sent everything else requested. 
Then, to my surprise, Fay recorded a Notice of Default, ( NOD ), on XX/XX/XXXX. Soon after, I talked to XXXX XXXX, ( XXXX ), at Fay by phone. XXXX requested a new, notarized copy of the Certification of Trustee already sent. I asked XXXX specifically if Fay was " Double-Tracking '' and planning to foreclose. XXXX said " No, the NOD is just part of the 'process ' ''. I never received a written, ( or verbal ), determination of the mitigation process from Fay. 
Instead, Fay suddenly recorded a Notice of Sale. So I repeatedly phoned Fay for the reinstatement amount, finally reaching Account Manager XXXX XXXX XXXX, ( XXXX ), on XX/XX/XXXX. XXXX said that I could not get any information because someone, ( X ), was actually the Trustee and owner, not me! I never heard of X. No mail had ever arrived for X. XXXX said he would help, anyway : XXXX  would call in a day or two, and I could try to guess the reinstatement amount! XXXX never called.
Product: Credit card or prepaid card

I applied and got approved for CitiBusiness AAdvantage Platinum Select card on XX/XX/XXXX. The card had a bonus offer of XXXX AA miles after spending {$3000.00} in purchases within the first 3 months of account opening. On XX/XX/XXXX I called to inquire about not receiving the card. Also, I wanted to confirm the above XXXX bonus miles was attached to my account. To my surprise, XXXX an Account Manager in XXXX XXXX in Florida claimed that I was n't eligible for any bonus offer since I had another CitiBusiness  account closed within the last 24 months. I explained to XXXX that I did n't have any Citi Business cards for the last 4-5 years. He claimed that I had the same account type closed in XX/XX/XXXX which is not true. I asked if he could tell me when was the last time I paid the annual fee on that card, but he claimed that Citibank had recently migrated their data to a new system and therefore he was unable to retrieve any data for that account!
Product: Credit reporting

This is regarding fraud that occurred on XXXX/XXXX/2015, when a XXXX account was opened in my name. I have a police report, and documentation from XXXX that they are aware it is fraud. They also reported the same to Equifax on XXXX/XXXX/2015, and again on XXXX/XXXX/2015. I disputed it as fraud, on XXXX/XXXX/2015 and again on XXXX/XXXX/2015. Each time they came back stating this was a valid inquiry. I have a fraud alert on my report with all XXXX bureaus, yet they refuse to remove the inquiry from my report.
Product: Credit card

My partner has a credit card account with Bank of America. I am a authorized user on the account, which means that I have a card with the same number, and my partner receives the statement for the charges from both her and my credit card. One day we noticed fraudulent charges on the statement, so my partner cancelled the card and requested that new cards be delivered to XXXX us. These cards arrived in the mail and we each began using our new cards. I received a separate statement for my card. My partner called the bank to ask why I was receiving a separate statement. The customer service representative acknowledged the error and apologized, saying that the charges from my card would be transferred over to my partner 's statement, that I did not have to pay the bill, and that I would be issued a new card with the same number as my partner 's card. I did not pay the bill, and I never received the card. My partner called back to Bank of America requesting an explanation, and was told by a different customer service representative that the representative was not able to discuss my card. As it turns out, the card I had been sent as the replacement for my original authorized user card on my partner 's account was actually an updated card for an old Bank of America credit card account that I had not used for years. I had not requested an updated card for this account, and there had been no activity on this card since 2013. When I called Bank of America, the customer service representative told me that I had failed to pay the bill for that card -- which my partner had been told I did not have to pay -- but agreed, based on my explanation, to remove the late fee from the charges. I paid the bill. Later, I discovered that the bank had reported the late payment to the credit agencies, and my credit score decreased dramatically. I called the bank to try to remedy this, but they wrote me a letter stating that " no bank errors have been made concerning XXXX my ] payment record. Therefore, the delinquency on your credit report is valid and will not be removed. '' The initial customer service representative assured my partner that the bank had erred, that they apologized, that they would redirect the charges at issue to my partner 's account, and that I did not have to pay the bill. In light of this, to report a delinquency on my part to the credit agencies is certainly a bank error. It is grossly unfair and highly damaging to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) These accounts have been billed incorrectly. These charges should have been submitted through my childrens medical insurance, not my insurance. I have attached copies of their insurance cards for reference. This false reporting of collection/chargeoff accounts that do not belong to me is seriously harming my credit score and these line items needs to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Mortgage

We signed a contract for a home and submitted the contract to Pentagon Federal Credit Union XXXX Penfed XXXX. We were assigned a loan officer, XXXX XXXX, and assigned a closing date of XXXX XXXX. She requested MANY documents for the underwriter, which we returned within only a couple of days. She never confirmed that she received the documents. She did, however, note that she had ordered the appraisal on XXXX XXXX, 2015. The appraisal occurred, but there was an issue with the names on the document. She was given contact information for all parties involved XXXX appraiser, realtor, homeowner 's insurance agent, etc ). She had multiple weeks to get all of her work together. Because I had not heard from her and it was the week of our closing date, I called on Monday, XXXX XXXX. I received no answer, and no response to my voicemail. I called again on Tuesday and received no answer, and no response to my voicemail. On Thursday evening, she calls to say that she is missing signatures on a contract and needs it immediately. We sent it to her within an hour, even though our realtor claims it was sent to her before ( and I believe this because she has continuously lost documents that I have submitted ). Tonight, XXXX nights before closing, she tells me that now that she has the contract, she will have to get an appraisal done, and that I should contact the seller and request a new closing date. I do not want a new closing date, and everyone has done their part to make sure closing happened on time except for her. And if she had answered the phone earlier in the week, or returned a phone call, perhaps we would n't be in this situation.
Product: Debt collection

I have been sued by the company without notice of the debt. 
The company is, XXXX XXXX XXXX, they represent Cashlink USA .

on 04/23/2024, they filed the lawsuit in court. 
On XX/XX/XXXX, I was served the notice. 

I was very confused, I did not remember this debt or company. 
I wrote an answer to the summons and a pre-trial date was set. 

In that time, the company did not serve me notice of the debt. 

I sent the company a discovery request for all documents. 
The documentation sent to me confirmed the last date I was contacted about this debt was XX/XX/XXXX. This notice was about making a late payment, and did not present the proper letter. 

This company skipped the entire debt collection process required by the The Fair Debt Collection Practices Act, and just sued me. I was unable to verify the debt, have the chance to make an agreement or pay it off.

To add more confusion to the issue, they also claimed on their lawsuit as follows " Though often requested, Defendant ( s ) has failed and refused to pay the amounts due and owing. Plaintiff has had to employ an attorney, a process server, and pay court costs, to its damage. '' Which confused me as I thought perhaps I had missed communication but I had not.
Product: Debt collection

CKS Prime Investment has placed a nonverifiable debt on my credit report. It is badly effecting my credit score. I have notified them of the inaccurate information and noncompliance. They will not stop collecting after I told them to Cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters to XXXX, XXXX, and Equifax disputing inaccurate personal information and inaccurate accounts reporting to my credit report. These letters were sent out on XX/XX/2023 and the letters were received by the bureau by XXXX XXXX. I never received any response from neither credit bureau. I have attached all the dispute letters to my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In previous months, I requested to update the inaccurate account which another credit reporting agency found to be inaccurate and had corrected. Due to CREDIT BUREAUS ' lack of response which I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. If Credit Bureaus wish to correct this dishonor, I will give them one more chance to correct errors and FIX my records. Please update the account, which have failed to provide proper verification and another bureau has found to be inaccurate. CREDIT BUREAUS have 30 days to FIX the account listed below in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). 
XXXX XXXX XXXX XXXX Balance {$16000.00} Please provide documentation that the account belongs on my credit report and that my rights have not been abrogated. Otherwise please CORRECTY this damaging data immediately.
Product: Debt collection

I tried reaching out the spring oaks capital llc reference to a collection account added to my credit trying to get information about this account and was not able to speak to anyone who was able to explain to me why this account was added to my credit profile or how to fix it. Its been a couple years and Im still not able to resolve this issue.
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 XXXX financial loss, and I seek appropriate redress for these financial violations.
Product: Credit card or prepaid card

A fraudulent account was applied for in my name and an inquiry was submitted to my credit report. The company when called was unable to help and I also did not feel safe giving an individual information due to there being a credit fraud alert on my account. The company is : Alliance Data XXXX XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX They would not assist me. I need this credit inquiry taken off my credit report as well as any cards issued closed as I am not responsible for transactions for this as this was fraud.
Product: Credit card or prepaid card

On XX/XX/2022 I applied for the Apple Card in good faith because of the advertisement I received stating my credit match the approval. Unfortunately I was denied and the description of my denial is a violation of the Equal Credit Opportunity Act 15 USC 1691.

I have attatched the denial letter as proof I was discriminated aginst and can hold your company civilly liable under 15 Usc 1692k for violation of 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 4. 15 U.S Code 1691
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XXXX The above mentioned account is being reported as an unpaid charge-off on my credit report. After several statements and confusing correspondence I do not believe that this account is accurately being portrayed on my credit report. I have strong reason to believe that some of the information that is being reported on my credit report is inaccurate. So to clarify the accuracy of the reporting of this account I am formally requesting the following : TO PLEASE REMOVE THE ACCOUNT FROM ALL OF MY CREDIT REPORTS.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain XXXX.
Product: Money transfer, virtual currency, or money service

I used Cash App to send {$30.00} from my debit card to another user who ended up never giving me the goods for the money. Cash App refused to help and when I filed a chargeback dispute with my bank, rather than comply with the dispute, Cash App closed my account.
Product: Bank account or service

I have had an account with Key Bank for going on 3 years. I do not have overdraft coverage, do not have a substantial amount of savings, do not have anything in my bank account due to loss of work. 

Recently, a foray of payments have hit my bank account - XXXX or better. Obviously, I do not have overdraft coverage, and I have asked the companies who are taking automatic payments out to stop. I 've gone online and even deleted my bank account from each company 's site. 

I have an equal number of overdraft fees - XXXX. Each XXXX, {$37.00} each. As I do not have overdraft coverage and since I obviously can not afford almost {$2000.00} in overdraft fees, my local branch is calling me and asking me how to square this up - I can not believe I 'd be asked such a question since these were automatic actions not initiated by me. 

This is another case where Key Bank ( with customer service that has gone downhill since the First Niagara acquisition ) is simply capitalizing on another man 's misfortune.
Product: Credit reporting or other personal consumer reports

The economy is bad but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense XXXX XXXX XXXX. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a XXXX for that because my cards will just get declined due to my credit score being low with all these wrong information.
Product: Credit reporting or other personal consumer reports

I recently reached out to Experian in XXXX and XXXX of XXXX regarding information and items on my credit profile that were inaccurate, outdated, and even fraudulent in nature. I have reached out to try to correct this a couple of times since my original request. They willfully neglect my requests for correction of the information and now I find myself needing to make this complaint. 

According to XXXX XXXX XXXX XXXX, Experian is required to ensure MAXIMUM POSSIBLE ACCURACY. Because they refuse to comply and remove the information that I requested to have deleted, my credit report violates these laws : 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ), and 15 USC 1666b .

I have incorrect names, address, phone numbers, employers, and inquiries which were allowed without a permissible purpose or written authorization from me. All inquiries NOT tied to an account that are 30 days or older must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is reported on my Credit Report and needs to delete immediately : Wrong Name : XXXX XXXX XXXX