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

My Experience with XXXX as a consumer my information was on their data breach my identity was stolen and shear with more than one third/parties Trans Union and XXXX. according to 18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information. This affected my credit score in every way emotionally I am stress this really made my life uncomfortable which has lots of negative, and a charge-off. All this was place on my credit history report without my consent I made calls to let them know that is a Violation of the CFPB they told they don't know what am talking about I would like for all this to be deleted asap with and update information it was taking off thanks.
Product: Bank account or service

Due to a bounced deposit check, Bank of America closed XXXX checking accounts of mine and reported the accounts to XXXX as " possibly fraudulent ''. This was without contacting me in any way, shape or form to discuss the check. I tried contacting BofA through the phone but get pushed around between departments without any department being able to correct the issue for me with XXXX. Because of the closing of the account, my wife and I are unable to obtain any bank account with any bank and are on the verge of being evicted because checks are the only form of payment our landlord accepts. 

I have taken multiple steps to get in touch with BofA 's risk management team to correct the issue with no avail. I have even mailed formal letters of intent to sue with no response. Unfortunately, BofA 's headquarters are outside of my state and the process of suing them over this is far more expensive than I can afford. All I want is the information to be corrected and updated with XXXX. I appreciate your assistance in the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX IS INCORRECTLY REPORTING THIS ACCOUNT TO XXXX AND XXXX AS OPENED CHARGE OFF, WHEN IN FACT IS CLOSED PAID IN SETTLEMENT.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Bank of America allege that I am XXXX payments delinquent. I have written bank of America for over seven years trying to fix this problem but they will not tell me what payments I missed. Instead they send me documents that always refer to previous payments. I need them to tell me what payments were missed so I can correct the situation. They always say a supervisor call me back. 

When someone calls me, I go through the same explanations that usually keep me on the phone over an hour but nothing ever happens. I recently applied for a loan with another company and everything went through except this, they told me I had to get this corrected with Bank of America before we could proceed. I have written and called them on several different occasions. I have requested to escalate the call to higher management, but again nothing happens. I pay my mortgage every month. They have been charging me {$17.00} for years for an inspection each month but no one has been by my house to inspect it.
Product: Credit card

Discover denied me a XXXX XXXX  card on XX/XX/year> in outrageous consumer disregard. The reason which i quote verbatim is ; we could not approve your request due to " THE NUMBER OF ACCOUNTS WITH DISCOVER FINANCIAL SERVICES '. Exact date of application XX/XX/year>XXXX  i had 3 active Discover accounts ; my credit card, a checking and savings account. Understand these are usually a bundle or package service especially with checking and savings and finance marketing invests Billions aiming if every customer could have all three. The Discover correspondence has failed to respond to my inquiries if 'number of accounts ' means many or multiple accounts, and what the measurement of many accounts is numerically. Are consumers not allowed to have multiple cards which they qualify and that meet their financial need. Is there a Discover back-end policy that states the Discover XXXX and XXXX XXXX credit cards are mutually exclusive one to the other? reveal in your subsequent publications, because it may have meant a easier let down to me. And my XXXX cents, if you don't have a Discover credit and hope to, take your checking and savings banking elsewhere. If you do, consider to close all your Discover before you ever apply again.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, several fraudulent accounts and inquiries have been added to my credit file without my authorization. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be blocked and deleted from my credit report as they were not opened or authorized by me.

Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Left voicemail threatening arrest, then sent a collection letter trying to obtain information and requesting paying a debt that is not mine or do not owe, or is likely over XXXX years old from when I was a XXXX.
Product: Vehicle loan or lease

On XX/XX/18 I applied for a Military Discount for XXXX XXXX families at a XXXX dealer in XXXX, DE. I presented an official copy of my father 's Certificate of Death, a copy of his entire military record, and signed an application for the XXXX Military Reward Program. 
The dealer 's financial representative told me that he would not submit the application because XXXX XXXX XXXX  would not approve it. 
I talked with 4 different XXXX dealerships, and all 4 told me that I could not get a Military Discount as a XXXX XXXX family member. 
I talked with several folks at XXXX XXXX XXXX about this problem, and most of them did not know what a XXXX XXXX family is. 
I wrote to the Chief Executive Officer at XXXX and was given what can only be kindly described as the run around. His office told me to call the dealership, then to call XXXX XXXX XXXX, then to call the XXXX XXXX XXXX XXXX XXXX coordinator.
Product: Credit card or prepaid card

On XX/XX/XXXX of 2022 two checks coming from XXXX title and escrow were cashed by Goldman Sachs. One of them had been sent to the wrong address and was canceled by the XXXX title and escrow bank and the other one was free to be cleared. Somehow Goldman Sachs got a hold of both checks and cashed it on XX/XX/XXXX of 2022. After the checks cleared, I called Goldman Sachs and asked if the positive balance left on the account after the payment could be used and I was advised that it could be used and I went ahead and used the balance. On XX/XX/2022 my account had been deducted both checks, when I called, I was advised that something went wrong with the checks and that it had been sent back to the XXXXXXXX XXXX XXXX XXXX XXXX to this day XXXX XXXX XXXX XXXX have not received the refund. I have asked for proof from Goldman Sachs that the funds had been returned. I have spent countless amount of hours on the phone with Goldman Sachs racing disputes and complaints. That just circle back to nothing. I keep getting the same email about the money being returned by the title bank on XX/XX/XXXX. I have been calling Goldman Sachs almost every day for the past two months and nothing is resolved I get told that its been sent back and then Im told that theyre not sending anything back because the checks had no funds but if the checks had no funds how could they have sent something back. XXXXXXXX XXXX XXXX XXXX representative. XXXX called with me to Goldman Sachs asking for proof that a payment was issued as refund and a representative on XX/XX/XXXX of 2022. advised that there was an error on their part and that even though they said a refund was sent there was no proof because nothing was sent and they were gon na issue a check immediately but nothing was sent. These are calls that Goldman Sachs has recorded and they can check. I have been going back-and-forth with them for two months everyone tells me something different. They are stealing my money, and I have a huge balance on the account collecting interest. It is a violation as they are trying to collect a debt they were already paid as well as they arent letting me fulfill my contract with the title company by crediting my account. I have spoken with Goldman Sachs and the bank that issue the checks and XXXX XXXX  they have provided me proof of cashed checks as well as checked their account for XX/XX/XXXX there is no return of money. I asked that Goldman Sachs does the same and shows proof that the money was returned and how it was returned because if it was returned with a check, then there is paper trail, as well as the ability to re-issue a check that was never cashed by XXXX XXXX, because they never received it.
Product: Debt collection

Synchrony Bank/Credit Care hired a debt collection agency, XXXX XXXX to collect a debt that is not mine. I never recieved any correspondence through mail, phone CALL ETC ... I found out about this debt through checking my credit report. At the time of this account being open fraudulently in my name I was hospitalized at XXXX XXXX XXXX. I was told to send proof of this and I did. I was later told that this was illegal on the part of Synchrony Bank and XXXX XXXX. This is an invasion of my privacy according to the Privacy Act and HIPPA regulations. I also disputed with credit bureaus in which these companies did not reply within the 60 days FCRA regulation requires them to. Synchrony XXXX requested to see a police report and I sent them three different ones to different departments over and over again. XXXX XXXX also made this request and I obliged but after 60 days was not made aware of any changes to my credit reports.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following accounts : XXXX XXXXXXXX Account Number : XXXX Balance : {$700.00} XXXX Account Number : XXXX Balance : {$14000.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX Balance : {$790.00} XXXX XXXX  ( Original Creditor : 12 XXXX ) Account Number : XXXX Balance : {$230.00} XXXX  ( Original Creditor : XXXX XXXX ) Account Number : XXXX Balance : {$790.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I enrolled in Freedom Debt Relief in XX/XX/2021. During my time in their program, they negotiated settlements with several creditors. However, for the first three debts they settled, they never discussed their fees for the settlement. I only found out after reviewing my account that I had been charged undisclosed and substantial fees on top of their monthly service charges. 

Once I found out how high the fees were, I would have to ask how much I was going to be charged after each settlement attempt. They never once disclosed their fees in a settlement offer, I had to ask each time. 

I believe these practices are highly deceptive and designed to make you to believe you are saving much more money than you actually are.
Product: Mortgage

I am requesting all information regarding XXXX XXXX XXXX XXXX XXXX, GA XXXX.As stated in my previous communication, my spouse filed personal bankruptcy in XX/XX/XXXX XXXX in the XXXXXXXX XXXX XXXX XXXX My spouse is currently in XXXX as a form of Retaliation. After we discovered the excessive Mortgage Fraud on our personal properties the court ensured we lost of properties knowing we NEVER received a loan. Our ID was stolen and our information was utilized to obtain loans for others. We were require to pay HOA dues, Taxes and Insurances. The ring of individuals were basically stilling from us for years and the XXXX added to the theft. The purpose of my spouse filing Bankruptcy was to obtain assistance with the investigation of fraud. The presiding XXXX denied the request several times in order to take possession of the properties for her colleagues. CoreLogic was located to pay the taxes on the home without notifying us, As a matter of fact we traveled to the court to pay the taxes on the homes but, we were sabotaged and the taxes were paid in order for us to not pay them. In other words a third party stole our homes. We are requesting all communication sent to CORELOGIC by the entity who basically sold our property to them via paying of taxes and the amount the entity was paid to obtain possession of the home. The mortgage we thought was our mortgage included both taxes and insurance which came from the Escrow account. Taxes were paid in XXXX. XXXX, XXXX and XXXX while the properties were under automatic stay. WE WERE NEVER NOTIFIED of any tax payments, The name of the individual who contacted CORELOGIC name to be provided. This is totally criminal and illegal. THE XXXX Trustee is definitely involved.
Product: Vehicle loan or lease

I initiated a payment from my personal bank XXXX XXXX  to my lienholder PNC Bank on XX/XX/2021 check number XXXX. XXXX XXXX  indicated a paper check would be mailed to PNC Bank and arrive by the XXXX. PNC Bank stated it will take them 10 days process the payoff essentially costing me a total of 16 days additional interest on this loan.

I have made several lump sum payments electronically that went through without issue in the past. My problem is that when trying to pay the loan in full PNC requires a paper check and adds 10 additional days for processing. I believe this is an abuse of the consumer by padding interest on a loan that should be able to be paid in full electronically.

Neither XXXX XXXX nor PNC Bank can provide information where my check is and the status of my payoff.
Product: Credit card or prepaid card

Paypal MasterCard, issued by Synchrony has closed my card without any prior information. They delay payment processing which resulted in my monthly balance increase ( {$920.00}, on XX/XX/XXXX which I paid already ), dropping my credit score. Now they claim that they closed due to my current credit score.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX, I went to a Chase Bank ATM, and it just ate my {$2000.00} cash and broke on me. I can't believe the bank straight up robbed me. My money hasn't shown up in my account. I called for help, and all they said was they can only give me a temp credit, and who knows when that could happen. I feel scammed and robbed. I cant trust this institution anymore, and considering closing all my account, credit cards and mortgage. What a horrible place!
Product: Credit card

I was instructed by Customer Service to mail in the details of the charges that I am disputing as fraud. Please find enclosed a list of all charges that I am disputing. Hopefully, the ones where a phone bill was paid will provide you with a name and more information. I have never had service with these companies. All of these charges took place more than two hours from where I live in XXXX, XXXX Several of the merchants I do not recognize. 
I did not initially identify these transactions as fraud because I am XXXX and XXXX. I, therefore, require assistance. Unfortunately, I only did a cursory review of my statements and obviously not a detailed and thorough analysis because of the medical conditions that I was experiencing at the time. 
I was unaware of the extent of the fraudulent charges especially since I was using the card at the same time and my primary method of reviewing the statements was by phone and not all of the relevant information was available to me, such as the city where the charges were made. Furthermore, my bill was due and I wanted to avoid late charges and extra interest and to maintain the good standing of my account. 
I am certain these transactions are fraudulent. I had to provide an agency with the last twelve months of statements. As I was reviewing my statements I noticed a fraudulent charge on another card. This prompted me to examine all of my past records/statements for all my cards. With assistance and hours of close examination of all my statements I discovered charges for cell phone companies that I had never had an account with. 
I was instructed by a representative to mail my explanation and charges to XXXX. I originally mailed this letter to Fraud Claims Department, CitiCard, XXXX XXXX, XXXX, XXXX XXXX on XXXX XXXX, 2016. It was returned to me as " Not Deliverable as Addressed '' on XXXX XXXX, 2016. On XXXX XXXX I spent over 2 hours on the telephone trying to dispute the XXXX charges with XXXX XXXX XXXX and the XXXX toll free numbers listed with the XXXX charges. Neither number worked. XXXX XXXX XXXX wanted a phone number, account number or a transaction code. These do n't appear on the statement. So I called CitiCard. They could n't provide any of this information so it makes it impossible for me to file a police report and they did n't offer a correct mailing address for sending my fraud claim and they claimed there was no fax number that I could fax my claim to. I have already been waiting for 3 1/2 weeks for a response.
Product: Money transfer, virtual currency, or money service

I am falling a complaint against cash app ( block Inc ) due to inadequate customer service and unfair practices which violates the consumer financial protection act ( CFPA ) specifically, cash app failed to take timely and effective measures to prevent and address funds on their platform leaving my account vulnerable and unprotected furthermore their dispute resolution process was under the electoral fund transfer Act ( EFTA ) and regulation E.theses action have caused significant inconvenience and financial loss and I seek appropriate redress for theses violations
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent XXXX XXXX {$960.00} XXXX XXXX   {$440.00} XXXX XXXX {$540.00} XXXX XXXX {$4600.00} XXXX   {$1700.00} XXXX XXXX {$220.00} XXXX XXXX {$77.00} XXXX   {$150.00} XXXX XXXX {$690.00} XXXX XXXX {$590.00} XXXX XXXX {$130.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX  {$910.00} XXXX XXXX {$53.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd or 4th time reaching out to Transunion regarding incorrect information being reported on my file. Please delete immediately or risk the pursuit of a lawsuit for violating FCRA ... 

The following inquiries were not authorized by me ; therefore, they should 't be on my report. 
XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX
Product: Debt collection

Under distress I am filing a complaint against ( Creditors attorney ) XXXX XXXX for continuation of garnishment after completion of filing bankruptcy Chapter XXXX. The timeline of dates and monies will support the attorney has lacked to proceed with proper protocol to discontinue garnishment ; which is considered illegal. XX/XX/XXXX - Initial garnishment ( {$300.00} / 25 % of wages ) XX/XX/XXXX- Paid {$1500.00} legal services to file Chapter XXXX Bankruptcy XX/XX/XXXXXXXX Attorney filed Chapter XXXX petition ( garnishment total {$4300.00} ) XX/XX/XXXX - Attended mandatory court hearing ( informed trustee and attorney garnishment has not decease ( garnishment total {$5200.00} ) XX/XX/XXXX - I was contacted by my attorney office to inform garnishment has been resolved to expect post garnishment check within 10 business days from creditor XX/XX/XXXX - Contacted my employer Human Resource and XXXX XXXX I was informed by both parties no communication has been received to discontinue garnishment Also I contacted my attorney and explained the continuation of garnishment XX/XX/XXXX My attorney office called me to advise a check for {$310.00}. I refused to accept the check considering the amount is totally incorrect XX/XX/XXXX - ( Creditors attorney ) XXXX XXXX XXXX @ XXXX : XXXX XXXX ( spoke w/ XXXX ) Asked the following : What was the dollar amount of check issued for post garnishment? ( {$310.00} ) When was creditor notified of bankruptcy? ( XX/XX/XXXX ) When did creditor notify my employer to stop garnishment? ( In XXXX with no specific date ) After asking why the delay in stopping garnishment and incorrect dollar amount, XXXX became combative and indicated no monies will be given. Regardless of their unethical behavior until they receive all monies garnished. She emphasized no monies prior to filing bankruptcy will be given back. Although my attorney has requested the 90 days and I might the requirements. The called ended abruptly with no explanation of process and how this error will be corrected. XX/XX/XXXX - Called XXXX Garnishment XXXX @ XXXX XXXX XXXX indicated no release details and no modification status
Product: Credit card or prepaid card

A vehicle was rented at XXXX XXXX on XX/XX/2019. 
I used Citi Visa credit card. 
Instead of apx. {$24.00}, a charge of {$420.00} was made on my card claiming damage to vehicle. I disputed the charge with Citi cards but after cursory communication with XXXX/XXXX where they produced fabricated repair bill, closed my dispute and re-charged me for {$420.00}. 
Citi cards are not willing to argue with the fraud but rather charge me.