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

I contacted the Bank Of America Claims Resolution department via phone on XX/XX/2021 and advised them of the issue with my account. They promptly responded just this time 10 days after I contacted them about the issues with my account. They advised me that they would be contacting me in 10 days and would have a resolution for me due to the issue pressing on for months and months. They did not contact me 10 days after so I filed a complaint with the comptroller of currency of Texas due to the lack of order shown by the Claims Resolution department. They then contacted me and advised me that they would contact me 10 days additional with a resolution since they received and complaint via the comptroller of currency with the issue they hadn't resolved as they advised they would. They then closed the account that the issue associated with and now have told me that they have no information pertaining to the dispute and this is after they have opened me a new checking and savings account number under my same name and have no information regarding the claim from the prior account that was supposed to be resolved per consumer rights laws and regulations. I have been trying to get them to resolve and correct this issue since XX/XX/2021 and am now waiting again on the phone for almost a hour and still no resolve. I'm not sure who this department is that I was sent to to have this issue corrected but I'm very distraught not only to the lack of adherence to Federal laws and regulations required of large corporate banks such as Bank of America, but also because of the fact that a total of {$3300.00} has just mysteriously vanished and they have completely fandangled their way into somehow saying that this dispute doesn't exist at all. The original claim number is XXXX I'm certain that this is a mistake and they hopefully will correct this error. I'm not speaking with XXXX in Delaware in the fraud department. I advised that I would be submitting a new complaint with the issue. Please help me I feel like I just completely have been disregarded as a loyal customer of Bank of America for over 13 years. I was just advised that the original issue was established XX/XX/2021 per Bank of America Representative.
Product: Credit reporting or other personal consumer reports

To the Consumer Financial Protection Bureau, I have a problem with Trans Union and I would like some help. Today if I check my credit report, there is a hold or lock on my credit report that is exempting me from applying for XXXX credit card. Every single time I try to go to TransUnions website with the intention of trying to solve this matter, the blocked message will appear no matter the browser or device used. I have not been able to find any solution by seeking assistance from TransUnion customer care, and therefore I leave for the CFBP to try and sort this out for me. I kindly humbly request you urgently to instruct all freezes, blocks or holds to be lifted from my TransUnion report to enable I go on with my credit applications unhindered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a report from XXXX XXXX XXXX XXXX XXXX. I do not think they used the correct information when I applied for a loan with them. My Credit score shows XXXX on the disclosure they sent. I have monitoring and the score is XXXX. I do not think they used updated and accurate information and that may have cause a higher interest rate. I would like this looked into. They should be following proper Procedures.
Product: Checking or savings account

Bank Information : CHIME BANK Towards the end of XXXX, i had a debit card stolen while out in the city ( XXXX ). I subsequently cancelled the card which ended in numbers XXXX. A new card ending in numbers XXXX was issued, received by me, and activated, on XX/XX/XXXX. 

Due to financial constraints, i opted to not give my new card numbers out to any of the recreational subscriptions my previous card ( XXXX ) was attached to. 

On XX/XX/XXXX at XXXX, i received a notification that my account had been charged by a subscription service for {$14.00}. I immediately checked the subscription in question, and verified that i had not attached any new banking information, and retrieved the invoice showing that card " XXXX '' had been charged. Upon looking in by bank account transaction history, it shows the same transaction, but approved under XXXX " XXXX ''. 

I never authorized this transaction on this card, nor did i authorize these numbers to be disseminated to ANYONE by any third party. 

Upon trying to open a dispute against this charge, it quickly became apparent that CHIME has created a process through which questions that have no clear answer are asked, or are irrelevant to the report of fraud, which causes the process to break down leaving no room or medium to argue against the charge.
Product: Credit reporting or other personal consumer reports

DEAR, EQUIFAX I WOKE UP XXXX, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF IDENTITY THEFT... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/year> ALSO A FRAUD ADDRESS NEED TO BE REMOVE FROM CREDIT REPORT. I HAVE NEVER STAY AT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After XXXX XXXX XXXX XXXX reported a false debt that didn't belongs to me, I file dispute many times with Experian and they kept saying that the collectors said that it was mine, then I came on here XXXX and file a complaint against the collector, the complaint number was XXXX, after I get things resolved with the collector, they ask Experian to remove it off my credit. My problem is that before the debt was place on my account, my credit score was XXXX, after disputing it and the collector let them know to remove it cause I dispute it and it's not mine, Experian were suppose to put my score back to XXXX, I worked hard over the years getting credit card, loans, to get to XXXX but Experian only give me XXXX points putting my credit to XXXX after removing the debt. I feel like I'm being punished by Experian for a debt that was not mine, which I dispute many time with them. I called them, and the agent I spoke to said she can't help and give me FICO phone number XXXX, I called FICO they told me that Experian supposed to take care of that. I log in into my account and contact Experian to let them know that I need my credit back to XXXX because it wasn't my fault that my credit goes down. An agent reply by email and I didn't understand what she was saying because it wasn't about my subject, I understand creditors send them updates but creditors doesn't put points. I need this fix please, I can not spend another 2 to 3 years to get to XXXX again. I have children that I need to buy house for, and get scholarship fo. themr. I need this fix please. I need my credit back to XXXX please.
Product: Vehicle loan or lease

I recently submitted a complaint to CFPB regarding Credit Acceptance. In their response, they submitted false information and provided a document that I DID NOT SIGN. In the letter that they submitted ; they state that they have received multple phone calls from someone who states that they are me. I have never called Credit Acceptance and I'm sure if someone would pull phone records it would show that it was not my voice. 
In the letter, they also state that I submitted a driver 's license on XX/XX/2022, when I " redeemed my vehicle after it was repossessed ''. This car has been sitting at a repair shop for most of 2022, and in fact, most of the time since my daughter acquired this vehicle. This car has never been repossessed and no one has a signature where I signed to redeem that vehicile. Why would anyone redeem a vehicle that has been broken down for years and never been paid on? Why would anyone pay to get a car from repossession when they haven't paid on the car for years? That makes no sense. This company does not know what they are doing and they are making fraudulent claims against innocent people. Again, I did not acquire any loan with Credit Acceptance. It is also ironic that they claim that I signed for redemption of a vehicle on the day that I filed a complaint with CFPB. This company has me mistaken with someone else. I have not been calling and speaking with anyone at Credit Acceptance and they can not produce any recordings of me speaking with anyone.
Product: Credit reporting or other personal consumer reports

Someone used my information for accounts without my knowledge. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : XXXX XX/XX/2022 and XXXX XX/XX/2022. Please remove these inquiries ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a name that pops up on every background check and it is XXXX XXXX XXXX, that has never been my name. Today XX/XX/2022 background check was ran for a job and her name is on there as a previous name that I have used. I have never used that name my previous name ( maiden name ) is XXXX XXXX XXXX which is on there also. I have been declined housing and jobs because of this name because sometimes her charges shows up under my name. It has been reported to the cops, they have done nothing. This name is ruining my life.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention multiple incorrect addresses listed on my credit report. I have never resided at these addresses and have no knowledge of them. I believe these inaccuracies are a result of identity theft, as multiple accounts, loans, and credit builders were opened in my name without my consent or knowledge. 


I have been a resident at the following address for the past 5 years and 5 months : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX However, upon reviewing my credit report, I discovered the following incorrect addresses associated with my name : XXXX XXXX, XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX  XXXX, IA XXXX XXXX XXXX XXXX  XXXX, AZ XXXX I can assure you that I have never lived at any of these addresses nor had any financial dealings associated with them. The inclusion of these addresses on my credit report has had a detrimental impact on my creditworthiness and financial reputation. 


I kindly request that you update your records and remove these incorrect addresses from my credit report. Furthermore, I urge you to conduct a thorough investigation into the fraudulent accounts, loans, and credit builders that have been opened in my name without my consent. 


I have taken the necessary steps to report these fraudulent activities to the appropriate authorities, including filing police reports and placing fraud alerts on my accounts. I have also contacted the following financial institutions listed on my credit report, which were involved in authorizing these fraudulent actions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I kindly request that you work with these institutions to update their records and reflect the fraudulent nature of these accounts. 


I understand that resolving this matter may require some time and investigation. However, I kindly ask that you keep me informed of the progress and provide regular updates on the status of my dispute. 


I appreciate your attention to this matter and your assistance in rectifying the inaccuracies on my credit report. Please feel free to contact me at the address provided above or at [ Your Phone Number ] if you require any further information or documentation. 


Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account number XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

In XXXX of XXXX I lost my job due to COVID and was required to move across country to survive. I was told by my landlord that I could find a pay XXXX to list my home again and get out of my lease only paying anything my deposit didnt cover. They never listed my home, I found the renter personally on social media, then we were responsible to show them the home. The company fulfilled none of their duties for the money I was required to pay. The renter loved the house, I had the home cleaned and the renter wanted a wall mural ( removable ) that we had on the wall. The rental company employee XXXX said all of this was fine. We had the bone cleaned and it was in Better condition than my move in condition : I have photos. Of move in and video of move out. 

XXXX called me on XX/XX/XXXX said everything was perfect they found a renter and I was good to go. She asked me to have the utilizes shut off on the 1st. They then proceeded to retain my entire deposit and attach this monies to my credit report stating gone in disarray and damages and that they could not move the renter in on time. 

I requested specific invoices and proof of said damage and received nothing. My calls were avoided. They have never sent me any verification of the damages or invoices for the repairs that were made to take the entire deposit and I dont care, they can have it, I do care however that they are bullying me through my credit report and have never sent me anything to validate the amounts they put on my credit report. 

I want to be done with this company I refuse to pay more money that they are trying to fraud from me and I want the manipulation of my credit report to stop.
Product: Checking or savings account

Capital One has refused to send a check to my residence address for the balance of my closed savings account. This is despite the fact that the Bank has had my correct residence address since I opened a credit card account in XX/XX/XXXX. In fact the Bank still sends me monthly credit card statements to my correct residence address, which has never changed. The Bank 's response to my first CFPB complaint ( XXXX ) was that they sent the check to a different mailing address, which was returned as invalid. I have never had a different mailing address. The Bank 's response to my second CFPB complaint ( XXXX ) was that I should reopen the account and have the money transferred to an external account. When I called customer service to do that, I was told it could not be done. I have also completed the Bank 's verification procedure multiple times by uploading my driver 's license, but never to the Bank 's satisfaction. The Bank is acting in bad faith when the simple solution is to send a check to the residence address they have had for over 9 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently took a loo at my credit report and I noticed that there were some XXXX XXXX  accounts on my credit report that aren't mine. Below are a list of XXXX XXXX accounts that i need removED ACCOUNTS : 1 ) XXXX XXXX XXXX -AMOUNT {$3600.00} -DATE OPENED XX/XX/2017 -ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex husband while we were legally separated tried to file bankruptcy twice with my name on it and I didnt know about it, agree or sign anything and it is showing on my credit report and I tried to dispute it and it wont give me a reason why they are keeping it on my credit just saying it will stay on there. This is preventing me from renting an apartment and buying a car. Along with it not being legal or right for this to be on my credit. There is a chapter XXXX and XXXX showing dismissed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : This morning, I became aware of the Equifax breach which happened between XX/XX/XXXX and XX/XX/XXXX and I entered the last four digits of my social security and my last name on the following website to check if I was a possible victim of identity theft : https : //www.equifaxsecurity2017.com/XXXX. After checking, I was given the following notice, " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I went ahead and ordered my credit reports through XXXX, checked for any discrepancies and followed up with a 90 day fraud alert as well.
Product: Credit card

I bought airlines ticket from XXXX XXXX XXXX to go to XXXX XXXX. I arrived XXXX but my 2 suitcase did not. I field a report with XXXX  XXXX at XXXX airport. 6 days later my 2 suitcase was found and shipped to the address I was staying in but was damaged and missing items. I reported that to the airlines when I returned back home in XXXX but they denied my claim. I reached to my Credit card company US Bank and the refuse to dispute the charges because I used the ticket to travel but I am disputing the misses handling my the delay, damage and missing items. I received no help or compensation from the air lines. I spoke with my travel agency and they said I should get compensation for the delay damage and missing items. More than 6 reversative from the travel agency has contacted the airlines but no one was able to get any respond.
Product: Debt collection

Number comes up and restricted/unknown but they leave a message demanding that an debt for insufficient fund for my sons account with Wells Fargo. Then also called my son who is on my wireless account. My son unfortunately my son did call them back, they said they where calling form a Law firm and demanded that he pay $ 1400+. We immediately went to the bank to confirm that he didn't have an account that had that was either closed or opened that he owed money for. All accounts where closed and in good standing.. They continue to call. I called back today and after giving them the account that was left on VM but refused to give them my name, they hung up on me
Product: Money transfer, virtual currency, or money service

I am filing complaint against cash app ( block. Inc. ) Due to inadequate customer service and unfair practice which violates the consumer financial protection act ( CFPA ) .specifically cash app failed take timely and effective Measure 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 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 for these violations.
Product: Debt collection

On XX/XX/2021 received notification that a medical bill was in collections, for {$1500.00}. I call the company to get further information about the debt. Upon doing more research I see that the actual debt is for {$1400.00} from the emergency services given. I now find out that Credit Systems , Inc company is charging me interest on the medical bill debt. I've never had interest on a medical debt and I think that they are illegally doing it.
Product: Debt collection

I am being harassed about debt thats not mine, its been on my credit for 8 years my wallet was stolen and my IF was taken, I have summited this over dozen times these people refuse to accept my ID theft issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I ( XXXX XXXX ) was involved in a XXXX case along with my boyfriend XXXX XXXX XXXX XXXX and we were both sent to XXXX XXXX by XXXX, she was a representative for the XXXX XXXX XXXX XXXX XXXX XXXX and who we were ex clients of. We were sent to XXXX XXXX for treatment for our injuries. XXXX had stated that we won't have to pay for any bills whether it was a win or loss case. After the case was over, we both were getting bills from XXXX XXXX sent to our mailing addresses. XXXX notified XXXX about the bills and she said not to worry about them, she wanted XXXX to take pictures of the bills and send them to her so that she can handle it. She stated that we should not be paying any bills to any doctors that she referred us to. As time passes by, we checked our credit scores and we been wrongfully sent to collections when we were not at fault nor responsible. My boyfriend had contacted XXXX about the collections but, she has been little to no help whatsoever, she does not respond to his messages. We both filed and submitted a dispute late XXXX with XXXX and XXXX with mixed results. My boyfriend XXXX XXXX XXXX XXXX had his collections removed from his credit score account by XXXX but XXXX has not so he submitted his own complaint. As for me, XXXX has removed the collections from my credit account on XX/XX/XXXX. For unknown reasons, XXXX added the collections back to my account on XX/XX/XXXX. I tried calling them to find out why, no pick up. For XXXX, I filed the exact same dispute and I was not satisfied with my results. I do not understand why XXXX removed the collections and put it back into my account 5 days later. This is not a game, it is a serious problem and I do not appreciate how this is being handled by the credit bureaus. I also do not understand why my boyfriends collections has been removed by XXXX and mine has not when we both filed the same exact dispute, no changes or differences between our disputes. I have supporting evidence to back up my complaint, screenshots my boyfriend XXXX XXXX XXXX XXXX took of his conversations with XXXX. Side note ; XXXX contacted XXXX XXXX XXXX himself, he said that he will be of assistance and send a letter soon stating that we were not at fault and that we shouldn't have gotten sent to collections by XXXX XXXX.
Product: Checking or savings account

On XX/XX/XXXX at XXXXXXXX XXXX  I made a deposit to a US Bank branch. This machine had an error And did not credit my account. I went into the branch and they said that they could not do anything because They do not service theATM machine. they instructed me to call US Bank directly and make it a claim. 
Ive been calling almost every day for the past nine days and still have not received any provisional credit nor a response from the bank. The amount was {$1500.00}. 
I need to pay bills and rent and I might lose everything. 
Every time I call they said they will get back to me within 24 hours and I have not received any thing yet. I was hoping to contact someone else such as CFPB to expedite this process