23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is 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 items 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 items. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$610.00} ; XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$780.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

The XXXX XXXX XXXX XXXX has illegally sued me regarding a small fire that was very easily contained and controlled, which was extinguished and completely put out well before the XXXX XXXX XXXX Department had even arrived. They stuck me with a bill of {$1300.00}, which was originally declared as {$1500.00}. The fire in question occurred on a property that I didnt even own! I told the Chief of the Fire Department that the fire was not an emergency, but he ignored what I tried to tell him. It was extremely visible that the fire was fully extinguished, and Chief XXXX XXXX of XXXX XXXX XXXX Department continued to order his crew to deploy the fire hoses and douse the no longer burning fire. I had NOT signed and actually refused any documents he angrily demanded I put my signature on, declaring the incident my fault. For the last 4 years he has been pursuing collecting money from me that I Am NOT responsible for or to pay.
Product: Credit reporting or other personal consumer reports

I have been in contact with Transunion since XXXX on unauthorized inquiries on my credit report. I called several times as well as talked online and submitted proof ( i.e. FTC reports, etc. ) saying I did not inquire about credit. 

I do not have a mortgage or seeking one at the moment so why are all of these inquiries on my report?

I asked for verified proof and to date have not received any.

Transunion has lied saying they removed them and they are still here. I will be contacting legal as well as the attorney general.

Because of these inquiries, my credit score has fell substantially.
Product: Mortgage

2nd time today, 5th time in three weeks to get a payoff quote. Deadlines agreed upon and not met.
Product: Credit reporting or other personal consumer reports

I pulled my credit report on XX/XX/year> from Experian and I am seeing old information and they are not complying with the information that XXXX and XXXX has both updated within 7 days. They are still reporting in accuracy. At this point my rights are being violated and I Feel like this is being done intentionally under the metro 2 reporting because this is a document that the credit bureau has created and under factual disputing and consumer law. this is wrong and there are consequences. They are in violation under FDCPA and FCRA. I am very concerned about this matter and it needs to be investigated as to why they are still reporting inaccuracy.
Product: Checking or savings account

Imagine having a business bank account open for 5 months, and after the first 30 days, all of your deposits are available the next day, as promised. The bank account has never had any NSFs, nor any returned deposits. One day you deposit the same $ XXXX check to your account, which has been deposited multiple times before. The check is from the same customer, drawn on the same bank, and the same amount, as all of the times before. The online banking system and mobile app, show the deposit, and clearly states " Credit pending ( available to cover items posting on the same day as the deposit '', available next business day for withdrawal and debit card purchases '' ).

Imagine writing a check that same day, to one of your customers, and paying some of your bills, knowing that you have more than enough in the bank to cover the transactions, but the bank returns the checks as NSF, because they decided to place a 5 business day hold on your deposit, AFTER the fact, and with no notice to you at all. Imagine not having access to your operating funds for days, the embarrassment of the returned checks, and the fees that the bank charged. This has been my experience TWICE now! 

This happened again last week, and XXXX XXXX, the " Regional Market Leader '',  apologized, and assured me via email, that " he shared my concern about the lack of communication regarding the random holds, and committed to being diligent in digging into why this keeps happening. '' On XX/XX/XXXX, I deposited the same monthly check, that I have deposited for the past 6 months. Once again, the " system '' placed a hold on the deposit. The online system states that the funds will not be released until XXXX. I alerted my branch office about the hold, and the staff verified that there were more than enough funds to cover the deposited item, from the bank from which it was drawn. When presented with this information, XXXX XXXX refused to release the funds. This blatant disregard, and lack of urgency in me having access to my operating funds, has placed me and my company in a position of not having funds to cover my company payroll. 

I know that banks place holds on deposits to protect themselves, and we the consumers. What is unacceptable, disingenuous, and should be illegal, is the fact that they place holds on deposits, after the fact, randomly, and with no notice to the customer at all. There is no clear policy of when or why the holds are placed. I did not get an email, text, phone call, or letter, that a hold was being placed on any of my deposits. I know that the banks have lots of attorneys on staff, and really don't care about the small business customers, but I would love to know if there is anyone else out there, who has had the same experience, and if there is any action initiated against this deceptive practice.
Product: Payday loan

I sent an email on XX/XX/2016 to Big picture Loan and stated I wanted to close and settle the account and have the ACH Debit and Credit authorization stopped effective XXXX no response for XXXX days. I sent another followup email on XX/XX/2016 and I still have n't heard anything and to contact me by email only. My account with XXXX XXXX Loans is stating that they have been attempting to contact to discuss the loan and that in order to resolve and bring the account current, please contact us immediately at XXXX. I have spoken to the customer representatives to resolve the debt and I have been met with rude and nasty reps and they are telling me a different story. I have made a a total of {$250.00} worth of payments and I still have a large outstanding balance due to the interest and fees that have incurred on the account. No representative can explain to me the details of the interest which seems to be extremely high. I have attached documentation showing the payment and emails that I have sent to them. Please help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This lettter is a formal written request for you to investigate the following unverified accounts listed bellow : Accoording to the fair credit reporting act, 15 U.S.C 1681 your company is required by federal law to verify through the physical verification of the original signed comsumer contract- any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email fraudulent account. 
I demand to see a copy of the verifiable proof ( an original consumer contract with my signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed bellow then you must remove these accounts from my credit report and remove all none account holding inquiries in my credit report .Please provide me with a copy of an updated and corrected credit report showing these items removed.
Product: Credit card or prepaid card

I purchased a phone from XXXX through XXXX XXXX XXXX. I read their terms and conditions and then I finished my purchase which led to them automatically applying for a XXXX XXXX XXXX XXXX on my behalf. I was notified that my XXXX XXXX XXXX XXXX was approved with {$3200.00} credit line. I was given an account number and I am registered in their system. I got the confirmation for the purchase and was notified that the order will be delivered within 2 business days after shipping. XXXX never shipped the phone! After waiting a week, I talked to XXXX customer service and they told me there is some unknown issue with the XXXX XXXX XXXX XXXX and I have to talk to them and advised me to cancel and reorder. I eventually canceled the order and tried to reorder in their website but it wasnt working, telling me that I dont have any credit line available in my account. I checked my account and it was showing {$0.00} credit line available and no record of any purchase or transaction on my account. Then I talk to TD Bank and they said the problem is not from their side and my account is under review and they are waiting for XXXX to confirm my order and there is nothing they can do about it. They kept passing me to the other party, XXXX and TD Bank, and none of them was taking any responsibility for the matter. Right now, I have a credit account opened in my name with {$0.00} credit line and a hard inquiry on my credit record as a result. It seems that they prefer to do nothing about it. I didnt get the product I ordered. I didnt get any credit line. Just an account opened in my name with zero use for me. 

I checked XXXX online forum and there are so many people having the same issue and they all got nowhere and very unhappy about it. It is definitely a known issue for them, XXXX and TD Bank, and it seems they decide to ignore and not recognize it. 

Here is some other people who experienced the same thing and got no help : https : XXXX https : XXXX https : XXXX https : XXXX
Product: Debt collection

Grant Mercantile age has 4 bills open up on the same month and day XX/XX/2018. I have tried to talk with them and telling them that is not mine I have filed a police report it was my sister she has all of my information and I have press charges on her so when I talked with the company they were very rude, so I filed small claim court paper to take them to court and someone called me from there company and told me that they would take care of this so I never went to court thinking everything was going to be okay, so now they have put 4 collection on my credit report there was only 2 before I was taking them to court
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with consumer protection, in my complaint I specified the credit act requires permissible purpose, to request credit and specified that Experience is citing 'no specified purpose ' as the reason for the credit enquirer on  XXXX  counts.   There  1st reply  to this complaint says ' they are only loged when an enquiry is made '. Experian has ignored the law and is allowing companies to 'certify they have a valid reason ' for requesting my credit. Experian is accepting a 'certified valid reason ' as 'non specified and nothing specific '.   To give out a consumers credit report on  XXXX  counts for No specific reasons, is a violation of consumer rights.   The company Experian has also ignored the subject of  three le tters sent by attorney and not addressed the subject on the attorneys letters.     Failing a satisfactory response from Experian we will be forwarding all letters my attorney sent to Experian and all of  Experians r eplies to - Federal Trade Commission to read and investigate and enforcement.
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts. Thank You XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXXXXXX XXXX XXXXXX/XX/2024 EXPERIAN XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Chase is holding a rent relief check. They closed my account of 20 years and are holding the funds. We deposited a third party check and followed all the instructions from them. They keep saying that that the number for the owner of the check does not have a verified number but it is verified. We got a notary with a signature. All the information is fine except the number that they keep saying is not verified. It is verified from XXXX. They closed my account after 20 years of business with them.
Product: Money transfer, virtual currency, or money service

I am filling 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 the timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Further more Their dispute resolution process was unfair and deceptive, as they did not with error resolution requirements under the Electronic Fund Transfer act ( EFTA ) and Regulations E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I WAS CHARGED FOR SOMETHING I DID NOT AUTHORIZE AND I CONTACTED AMERICAN EXPRESS AND REPORTED FRAUD ON MY ACCOUNT. THEY TOLD ME THAT I DID DO BUSINESS WITH THIS COMPANY AND ACCUSED ME OF THIS TRANSACTION WHICH I DIDNT MAKE. THIS IS SENIOR CITIZEN ABUSE AND ITS NOT RIGHT THAT THEY DONT BACK THERE CLIENTS. THE CHARGE WAS PUT ON MY CARD ON XX/XX/16 FROM TIMESHARE XXXX XXXX-XXXX PLEASE HELP ME GET MY MONEY BACK.
Product: Debt collection

XXXX XXXX XXXX, I have requested from you and your alleged furnisher XXXX XXXX XXXX for documentation Proof of service my wet ink signature and you nor XXXX have furnished those documents I have asked for. a notice of fault is now presented to you, ten days to answer { AL } L the enclosed question, Not hearsay or copies actual documents my signature of service and the information of your company that I requested. The Hippa Violation need to be addressed also
Product: Mortgage

USAA Federal Savings Bank ( hereinafter referenced as " USAA '' ) charged-off my mortgage debt subsequent to my ex-wife filing for Chapter XXXX bankruptcy protection. I did not file for bankruptcy protection and through my ex-wife refused to reaffirm the debt in question, I am still a valid consumer who has made timely and fully payments since the inception of the debt. USAA is likely the servicer for a securitizied mortgage debt. They are currently reporting the debt as charged-off on my public credit record and causing great financial harm. While USAA may have " charged-off '' the debt, they did so unlawfully as I am a borrower who has made timely and full payments and my financial liability has not been resolved by a bankruptcy petition. Because I believe USAA to be a servicer, I believe they have violated several provisions of the FDCPA. Moreover, because they are wantonly and willfully slandering my credit record I believe they are violating the FCRA.
Product: Checking or savings account

I had my Navy Federal Checking Account and Navy Federal Credit card for over 3 years and Navy Decided to close my checking account do to fraudulent funds received. Navy didn't provide me any information on how the funds were fraudlent or provide me any documentation proving that I knew any funds were fraudulent. I am highly offended for any institution to characterize me as a person involved in any such activity. The closing of my checking account and credit card has a dramatic effect on my current credit and future credit abilities. I've had no problems with Navy Federal for these years and can't believe they closed my accounts in this manner
Product: Credit card

Ive had this card for about XXXX months and it seems like every month. Theyre charging me a late fee saying that I did not pay my bill. On this particular month, yesterday to be exact, I was told that yes I did sign up for automatic payment, but then later I cancelled it. This was XXXX representatives explanation. The other representative after the call dropped told me that my bank canceled the automatic payment. These sort of things make me very suspicious because I have numerous credit cards and have had no problem with the automatic payments on any of them. This, problem with this company is an ongoing issue
Product: Debt collection

Hello! My name is XXXX XXXX on XX/XX/2023 I pulled my credit report so I can see what was on it. Im looking into fixing my credit and noticed an unknown collection on my credit report I dont recall having this account. I then sent XXXX XXXX XXXX and MIDLAND CREDIT MANAGEMENT a debt validation letters via certified mail on XX/XX/2023 with a return receipt. I received nothing what I asked for I only a received an itemized billing statement with an addressed thats not associated to me. I ask for proof I agree to this debt with my signature, proof of the amount they claiming I owe is correct and legal, which require all statements and payments history from original creditor. Proof the amount is within the statute of limitation and has not expired. Proof you are the owner of this account, which will require the contract and terms between them and the original creditor. Proof that they are legally licensed, bonded and insured if applicable to collect this debt in my state. For verification purposes, I will need their business license number. They failed to send my requested documents only thing they sent was a itemized billing statement. I then contacted via phone and ask why wasnt the documents I requested for validation wasnt sent. They said they only have what they mail me is a billing statement they brought from the original creditor and they dont have anything with proof with my signature on it. I feel like they have violated my consumer rights and failed to follow FCRA guidelines and also ignored my request to not contact me and cease and desist all future attempts contacting me.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I tried to cash a refund check for {$540.00} from the state of California. It was declined, and I was refused any reason or any kind of answer of why from Certegy, except go somewhere else. Although I tried three times, receiving 3 reference numbers, they were unable to bring it up on their system though their system was still declining and issuing out reference numbers. After over an hour of asking for a supervisor I was finally connected with one to tell me Im more than welcome to go somewhere else.
Product: Mortgage

I have recently accepted a trial mortgage modification with Nationstar Mortgage. They are a XXXX company, although they did not disclose that in the initial offer. The three month trial period is over and they have sent me the final documents to sign. The letter that accompanied the loan document offered an extension if necessary. I have made two attempts to request an extension due to business travel. They gave me a deadline of XXXX XXXX, 2016 and I will be away from XXXX - XXXX for business. I was unemployed for almost five years, working jobs that kept me below poverty level to get by ... it was so bad, I was on food stamps. In XXXX, I finally got a permanent job and now would like to get back on track with my payments. I need to focus on this business trip and keep this job. I also need to speak with a family friend who is an attorney who will review the document for me, without charge, but he is busy with court dates and it will take time to connect with him. 

When I called to request the extra time, I was spoken over, yelled at, and never given a straight answer as to whether or not I may have the extension I requested. The document is ambiguous and I need time to have it explained to me and understand fully what I am signing. I kept asking for a simple yes or no and the rep just kept talking over me, arguing with me, asking me why I need so much time. I need time to research what I am getting into and it is not unreasonable to request the extension, especially since they allude to it in the letter. The last two reps have been male and very aggressive. The conversations were recorded ( so they say ). It certainly does not make me feel confident about entering into a business transaction with them.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in removing the accounts from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to remove them from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX
Product: Bank account or service

Hello in XXXX of 2015 I submitted a web application that said I was preapproved for a basic checking account with HSBC. I was then declined. Customer support said I needed to hard pull my own credit report and then send it in to them for a deposit only basic checking account. After several weeks I then called them with my credit report and they said that instead I needed to reapply. I reapplied and received another pre approved status. This after several more weeks was declined again. They said that it was because they thought I would use it for business purposes. This was obviously false. I needed XXXX factor web banking and a bank that I could physically walk into a branch internationally if necessary. I had numerous other checking accounts in good standing as well. I have never mismanaged a deposit account and I have excellent credit. 

I then reapplied for HSBC premier. This was then forwarded to security and fraud based out of the XXXX subsidiary. They requested additional documentation that deviated from their stated acceptable identification. I supplied what they asked for anyway. HSBC then failed to communicate with me and apparently allowed my application to expire stating they were unable to verify my identity. My documentation exceeds XXXX requirements. 

Previously I moderated XXXX and have an extensive track record of accurate predictions regarding financial, economic and geopolitical events. This includes but isnt limited to every major fed QE and rate decision since the financial crisis, the recent pullback in XXXX, numerous XXXX decisions and many others. The fact that a preapproved basic checking account is being declined for someone who has never mismanaged a deposit account and has excellent credit undermines confidence in HSBC 's ability to competently conduct basic banking activities and the security of its current deposits.