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

I went inside the XXXX Bank now XXXX XXXX on XX/XX/XXXX to inquire about a charge in the amount of {$88.00} on my account on XX/XX/XXXX. The branch was unable to give me a number for the merchant. The desk representative sent an email to XXXX XXXX XXXX called me back on Friday evening and told me without a XXXX ID at the time she was unable to help me and would return my call. Unfortunately, she never did which prompted me to reach out to XXXX XXXX on XX/XX/XXXX stating : I'm trying to cancel services with the POS vendor I was setup with. I never received {$450.00} credit that was promised. My nonprofit, XXXX XXXX XXXX XXXX XXXX is small and the charges at this point are rising and not something we would like to move forward with. We were just charged {$88.00} and I'm not sure what that is for. 

Since, the XX/XX/XXXX I have been given the run around regarding my {$450.00} promotion for signing up for the services was never given to me. It was suppose to be credited to the account within 60 days of me signing up. I have been charged a fee of {$88.00} and not sure what it is for. The merchant also told me in order to receive a paper statement that would be an additional fee of {$10.00} a month. I have been unable to access an online account to receive online statements. They sent me a cancellation form but have not offered a refund or explanation of charges or given me the {$450.00} promotion that should have been credited XX/XX/XXXX. I would not have signed up for the service had it not been for the promotion. The monthly fee should be {$9.00} month.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2020 ) I wrote to XXXX and TransUnion about inaccurate accounts on my credit report and still haven't received any investigation results back. Today XX/XX/2020 makes a full 30 days and from what I know they have 30 days to do an investigation.
Product: Credit card or prepaid card

On XXXX I loaded {$60.00} on a XXXX  prepaid debit card to pay my phone bill. I asked the cashier at XXXX before I did that if it would be ok to put it on my old card since I hadn't activated the new one yet. And she said that would be fine, she took the cash and swiped the card and the transaction went through. She gave me 2 receipts and I went to pay my bill and it got declined. I went back in the XXXX and told her it didn't load she said well maybe you should activate your new card and then it will be on that one. So I did this, and still nothing happened. Then I asked to speak to a manager and she said " you just got ripped off '' and that they couldn't help me. I called the XXXX card and finally got someone and told them what happened and they said they do not see where the transaction came through and that they couldn't put the money on the card nor refund my {$60.00}. Hopefully you can help me get this resolved soon because my phone bill isn't paid in full and I need this please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have been sending disputes to all XXXX credit bureaus for the past 4 months regarding this issue. Citi has been harassing me and my family regarding an account that is not mine. They are saying that I owe them {$3000.00} and they are reporting this on my credit report without my permission. When I sent them the police report and identity theft affidavit they ignored them and sent me none of the information I requested in order to validate this charge. If they do not stop contacting me and do not stop reporting this fraudulent information I will be contacting my attorney and filing a lawsuit for defamation.
Product: Checking or savings account

Chase bank froze my bank account on XX/XX/XXXX due to suspicious activity. When i called them to find out what the issue was, they advised me that they needed acceptable documents. I can understand if they would have helped me apply for the loan which is a service they offer their customers, but I myself applied for these grants, i submitted proof of my business, and the grants ( XXXX XXXX, XXXX XXXX  XXXX & XXXX XXXX XXXX ) were awarded to me and deposited into my bank account. XXXX has no right to hold these funds or my personal funds or even try to implement their own requirements 2 months after it was deposited into my account. Chase has yet to release my funds and they keep giving me the run around asking for one document, telling me its all they need and when i send what they request, they come back and throw a new document request! This is ridiculous! I have submitted more than 20 documents to prove my business is real and still nothing! I sent JP Morgan chase emails on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX and nothing has happened! I have also submitted a complaint through the XXXX  and have reached out to several media companies to bring this issue to light since i have been finding out they are doing this to several people. out of all the emails i have sent with documents, they have not physically responded to a single one and only give me an answer over the phone and claim the conversation is being recorded if it ever turns into a legal issue. How do i know this is true? I have also contacted the SBA directly and advised them of the issue and they have also advised that Chase has no right to hold the money and it is not their concern whether or not the funds were deposited into a checking account instead of a business account which is how this all started! I just think Chase is upset that i do not want to open a business account with horrible bank like theirs! Unfortunately SBA can not intervene due to Chase already having the money.
Product: Credit reporting or other personal consumer reports

Unauthorized Credit check inquiries to my report .... 

Only listed 3 companies, Unable to list all companies due to CFPB input Limitations!?
Product: Credit reporting or other personal consumer reports

I received your stall letter regarding the investigation of my previous dispute. According to the Fair Credit Reporting Act ( FCRA ) XXXX XXXX Code XXXX ( XXXX ) & XXXX XXXX Code XXXX ( XXXX ), you're supposed to investigate and respond promptly.
Product: Mortgage

Property Address : Complaint Against : Cardinal Financial I would like to file a formal complaint against Cardinal Financial to have my escrow removed. On two separate occasions, my escrow account has been mishandled. In XXXX of XXXX, I made serval attempts ( in writing ) to request that my taxes be paid to the appropriate agencies. I was told that my taxes were paid and that the balance reflected was correct. An improper escrow analysis was completed in XXXX of XXXX and an overage was sent to me in the amount of over {$4500.00}. I questioned this statement various times and was told that the taxes for XXXX were collected during my refinance closing to set up my escrow in XXXX of XXXX and that a proper escrow had been set up and that this amount was indeed an overage due to me. 

I recently checked my escrow account to find that a large escrow amount in XXXX of XXXX in the amount of {$4500.00} was removed from my account leaving me a significant shortage for the upcoming XXXX tax bill. I was told that this was an error made on the part of the servicer and that the funds had never been removed from my escrow account for the XXXX tax year. I am now at 20 % LTV in the home loan and am requesting the immediate removal of my PMI and immediate removal of my escrow account. As a consumer, any escrow servicer that is handling an escrow account should provide accurate information in an escrow analysis to a borrower. Failure to do so can create a significant hardship for the borrower. I am seeking assistance as Cardinal Financial has sold my loan to a servicer who is acting in negligence in handling my escrow account. 

Thank you for your prompt attention. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This creditor COMENITYBANK/VICTORIA engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement XXXX days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations.
Product: Debt collection

I received a call today from a company claiming to be XXXX XXXX, XXXX, from telephone number XXXX. The person speaking said their name was " XXXX XXXX. '' They claimed to be trying to collect on a XXXX debt in default since 2012. This debt is one which I settled with XXXX XXXX approximately 6 months ago in an out of court settlement. I informed them the debt had been settled and they requested confirmation of this. The e-mail they gave me was : XXXX ( very suspicious ). 

I can find no record of this company, beyond complaints about it and suspect it is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently applying with my bank, XXXX  XXXX XXXX, to refinance a property in XXXX XXXX. My representative total me what my credit scores are and I was suprised because they greatly differ from the scores provided to me by XXXX. XXXX  said that my score was XXXX before the lender pulled the score and after the lender pulled the score. I also asked a second lender who performed a soft pull (? ). Both of these lenders received a score of XXXX for XXXX. Even XXXX  ( XXXX to the Banks and XXXX to me ) and Trans Union ( XXXX to the banks and XXXX to me ) scores were different than the score given to me. Both banks received the same score - XXXX. 

Note, I paid XXXX  to see what your lenders see. Yet, the scores given to me were remarkably different that the scores given to the two banks. I dont know how this is not fraudulent. 

This has resulted in a higher interest rate of a {>= $1,000,000} loan, very frustrating. They tell you that you can " see you credit score, '' however, this is meaningless if the credit score they show you is different than the credit score that they supply to others. I am sure there are people who have paid these credit reporting agencies to access their files and to raise there scores ( At least that is what they advertise to borrowers. ), yet the information provided is not accurate and is horrifically misleading. I am sure that many borrowers are mystified when they are denied loans. All the while, these credit reporting agencies are raking the money in from millions of people with false hopes of being able to see what the lenders see. 

I have tried to reach XXXX, but their numbers are automated, recorded responses. There is no option that provides a human on the phone and no choice for a disparity between the credit report given to the lender and yourself.I have written a letter, and have not received a response. I asked my Bank to inquire why there is a difference and the bank said that it is always different. How is this OK?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX  and XXXX  i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these company. I also saw XXXX is reporting 3 late payments on my credit report which is incorrect and false. I have never been late. I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

i pulled my report and saw fraudulent inquiries PLEASE REMOVE ALL THIS INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Credit resolutuon LLC is reporting inaccurate collection on my XXXX credit report for a debt not owed. 


CREDIT RESOLUTIONS LLC Original creditor : XXXX XXXX XXXX XXXX Balance details 0 % paid off Balance {$3600.00} Balance updated XXXX XXXX XXXX  Original balance {$3600.00}
Product: Credit reporting or other personal consumer reports

I used to have an XXXX XXXX credit card, which I closed on XX/XX/year>. It's been 11 years, and this closed account is still showing up on my credit report. I would like the credit card company to remove this record from my credit report. Thank you.
Product: Money transfer, virtual currency, or money service

I was using Zelle and I sent money to the wrong person be the user name was very similar this was before the warning of do you know this person you are sending money too with the full name and user name was being used like it is now they did not help me get my money back
Product: Debt collection

I am writing to address the inclusion of unauthorized transactions in my consumer report, for which I did not provide authorization or instruction. Consequently, I formally request the blocking and removal of these accounts without any error or misrepresentation of facts. Below are the specific accounts in question : It appears that your organization may be in violation of 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from containing : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' This statute explicitly states that Transunion making the report should not be included in my consumer report, as transactions or experiences associated with the line of credit extended between the consumer and the reporting entity should not be encompassed in the consumer report. 

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or expunge all utilization from the mentioned accounts.

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is detrimental to my reputation and is adversely impacting my creditworthiness.

Therefore, I demand the removal of these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, in addition to the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action being taken against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

They did not contact me when my deferral was nearing it's end in XXXX and did not put any " dings '' on my credit until XXXX of 2025 when I was " more than 90 days past due '' dropping my credit score XXXX points. All of my other creditors can manage to find my information, phone number, current address, email address, and everything else but they did not try. This is not acceptable behavior.
Product: Credit reporting

Due to a recent ( successful ) credit card application, I received a notice that I could get a free credit report within 60 days. The notice gave a phone no. for Experian ( XXXX ) which I called. After answering the prompts on the phone tree, I got a message that said if I did n't have internet access, to stay on the line to get a report mailed to me. I waited and the message cycled through 3 times then said something like, " I 'm sorry you 're having trouble. Pls try again later. Goodbye. '' I called again and this time, pressed " XXXX '' at that same point, which was for people who wanted their free annual report. ( Since I was n't trying to get that, well, I did n't know if it was the same thing or not, I did n't go that direction on my first pass. ) So, from " XXXX '', I got a message that said to go to the website and, eventually, ended the call, similar to the first time. ( One of the options in the phone tree was for those who had received a negative response to a credit application. I did n't go that route because I had received a positive response. ) The bottom line is that Experian says they will mail you a copy of your credit report and that you can order it by phone but then, it does not let you do that. Now, I came over to a relative 's house to use the computer and went to Experian.com, where they list a 2nd number to call ( XXXX ). I did so and got the exact same phone tree and the exact same recordings that led nowhere. It was the same as the first time, I called and pressed " XXXX '' and waited there until they hung up on me, called back and pressed " XXXX '' until they, again, hung up on me. 
Luckily, for me, I have fairly reliable computer access, so it 's not a big deal but what does someone with no access to computers do? Experian 's phone response is all automated, so it 's impossible to actually talk to anyone and ask questions, get help, etc. Experian is not servicing our consumer community as it purports to nor is it servicing us as I understand it is obliged to by law. What do you think?
Product: Checking or savings account

Today I wanted to open a bank account was told to call XXXX  XXXX   and I filed a dispute last year still on XXXX as not approved. I was a victim of fraud.
Product: Credit reporting

Transition file # XXXX My name, data of birth, address, phone All have wrong info. As well as my inquiry of report, and documented violation
Product: Mortgage

On XXXX XXXX and XX/XX/XXXX I went through a VA Loan process with DHI Mortgage of Texas and I was denied because of my XXXX status. 
Also, Lender Reps states my denial of VA Loan was rejected because it was also because of my filed and incircumstance Bankruptcy Chapter XXXX of XX/XX/XXXX and Foreclosure of XXXX XXXX XXXX XXXX.XXXX, Texas.XXXX. 

In which Foreclosure was unlawful conducted by the Law Firm of the VA XXXX XXXX XXXX XXXX to protect the best interest of XXXX XXXX XXXX Texas, XXXX XXXX XXXX XXXX Texas, XXXX XXXX XXXX  XXXX XXXX, New Jersey in which VA Loan and Appraisal value was inflated to make a huge profit over {$80000.00} for builder. 

In regards of this respectful complaint against DHI Mortgage VA Loan consultant XXXX XXXX stated to my Texas Real Estate Agent XXXX XXXX XXXX that my VA Loan wasn't going to be approved because of my Bankruptcy, XXXX Status and Foreclosure. 
My Real Estate Agent had to refer me to VA Lenders to support me in obtaining a loan and purchase of XXXX new construction inventory home. 
DHI Mortgage and XXXX has a business partnership and for me to get the incentives for cost of closing cost paid in full, Washer & Dryer, Stainless Steel Refrigerator and blinds throughout the house and motor for garage door with remote control. 
I would have to go through DHI Mortgage.to get all the incentives and 2.9 percent buydown. 

Did DHI Mortgage violated my ADA Disability Civil Rights Act under the Department of Justice. 
I appreciate the support of XXXX builder Rep Mr.XXXX XXXX in supporting me as a Military Veteran in getting me financial Assistance through Home For Heroes and Military Veterans Programs through XXXX incentives. 
But respectfully I need much more financial incentives assistance to purchase the home to keep mortgage payments affordable under {$1600.00} a month with property tax and home insurance and HOA dues included in escrow. 
Full closing cost paid in full by DHI Mortgage and XXXX and less money out of my pocket is what I need to be in prosperity.
Product: Debt collection

XX/XX/scrub>XXXX Amount : {$1500.00} & {$1800.00} Company : Mindland Credit Management.

To whom it may concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection practices Act. ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual that is binding on me to pay this debts. 
This is NOT a request of verification or proof of my mailing address, but a request of VALIDATION made pursuant to 15 USC 1692g Sec.809 ( b ) of the FDCPA. I respectfully request that your officers provide me with components evidence that I have any legal obligation to pay you.