23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On approximately XX/XX/XXXX I received a XXXX policy for another person that I supposedly paid for. The person of question hacked into my credit card account and paid his policy. Chase credit card company allowed this person to enter and use. my account with a misspelled name of mine with no security needed ( per XXXX customer service ) and charged {$390.00}. When I contacted the Fraud dept at Chase they were closed and the Chase person from customer service stopped my card ( s ) immediately. There has been no response from Chase which I was advised there would be. This credit card company allowed someone into my account committed fraud and there was no security by this company to prevent. Supposedly this multi billion dollar company has advanced security which is clearly not correct. The person who did this act was approximately 2000 miles away, misspelled my name and took whatever he wanted to use for his policy from XXXX since a security code on the back of the card was not needed. I have taken proper action against the company XXXX through the XXXX. of XXXX. and now must turn my attention to Chase for their horrible service and vulnerability which is clearly evident and need your help because I am a victim of incredibly incompetent and uncaring service by Chase Bank. The Attorney General 's office that state is involved. I am sure Chase won't be proactive because their only concern has been the money I spend through their card rather than protect the consumer.Thank XXXX
Product: Checking or savings account

Saving Account was closed by Chase bank on XX/XX/2018, in the letter sent by the bank it said they will send me a check for the remaining balance of {$300.00}, but the bank holds that check and refused to give me my remaining balance until now.
Product: Money transfer, virtual currency, or money service

My account in Conbase has been blocked and I can not access my virtual currencies or my XXXX money
Product: Consumer Loan

On XX/XX/2016 I purchased a XXXX XXXX from XXXX XXXX in XXXX XXXX, Maryland. I told the salesperson XXXX to pull my credit for XXXX XXXX XXXX, he replied ok and proceeded to give my loan application to the Sales Manager. XXXX returned and stated that the Sales Manager stated that XXXX XXXX XXXX XXXX was offering me a lower interest rate then XXXX XXXX and that will keep me in the price range of my car payments that I am seeking. I responded yes and instructed him to inform the XXXX not to pull my credit no more after he pull it for XXXX XXXX XXXX. He proceeded to the Sales Manager desk to inform him that I agreed to be financed with XXXX XXXX XXXX XXXX. After everything was done. I went into the finance officer 's office to sign the contract. The signed paperwork stated XXXX XXXX XXXX was my finance company. As time progressed, I did not hear anything from the dealership or XXXX XXXX XXXX so I decided to contact them on XX/XX/2016 since my 1st car payment was to be due on XX/XX/2016. I learned on that date from the finance manager that my car loan was financed with M & T Bank and not XXXX XXXX XXXX. I informed the dealership that I have not received any phone calls from them telling me that the lender changed from XXXX XXXX XXXX to M & T Bank. The finance manager provided me with the number for M & T Bank. I contacted M & T Bank and spoke with XXXX, Bank Manager. She apologized and stated that I can make a payment over the phone. I told her that I was not aware that they were my finance company and that I had no paperwork stating such. She said my simple contract has my signature with their bank name on it. I asked her to send me a copy due to my simple contract stating that XXXX XXXX XXXX is my finance company. To date, I have not received any information from M & T Bank and feels very uncomfortable with giving them any monies without seeing some type of paperwork from that bank. My car payment is already past due from them not sending me no paperwork. I am concerned about XXXX XXXX stating that my paperwork was a typographical error and they were not doing anything deceitful. At the present moment I am in limbo because I do not know where to turn to go to get this matter resolved. I was seeking legal advice. I contacted Maryland States Attorney Office and await a return call. Could someone please assist me in this matter?
Product: Credit reporting

I have sent Experian numerous requests to investigate, verify and remove accounts from my credit report and they are not responding.
Product: Checking or savings account

XX/XX/XXXX : Made deposit from XXXXXXXX XXXX to Citibank saving account for {$17000.00} XX/XX/XXXX : Another deposit from XXXXXXXX XXXX to Citibank checking account for {$1300.00} XX/XX/XXXX : Tried to app my Citibank app but was denied and told me that I made received a new debit card with a different number or changed my pin. When I did not request a new debit card or pin. So, I called that why they told me that my account was closed and I had to wait 30 to 60 days to and a letter and final check with the amount. 
Couple days pass and this time called XXXXXXXX XXXX and ask them to do an claim with Citibank which I did. They told me that before XX/XX/XXXX I would receive their respond would be. Till this day have not received a respond. 
This is the claim number for XXXX bank : Claim # XXXX Its frustrated to not have respond from either bank when it is my money and would like to receive the money as soon as possible because I need of it. 
This is my Citibank bank number : XXXX Citibank debit card is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I had made a payment on my Chase credit card account. Due to XXXX and a job XXXXXXXX XXXX, I was unable to make a payment in XX/XX/XXXX, and went ahead and ensured COVID-19 payment assistance was applied to my account. By adding the payment assistance, it made my minimum payment {$0.00} so I did not pay for XXXX. I resumed payments in XX/XX/XXXX after the assistance expired. 

I have contacted Chase numerous times because my account was reported as late to the credit bureaus. My account payment for XX/XX/XXXX should have been {$0.00}, and I was affected by a natural disaster and delinquency was still reported. 

I have been in contact with Chase since XX/XX/XXXX and the issue has not been resolved. I have attempted to dispute the item on my credit report and that has not been resolved either, because Chase reports it as accurate.
Product: Credit card or prepaid card

XXXX was charged to the XXXX XXXX XXXX store credited card on XX/XX/XXXX for an online order at XXXX XXXX XXXX. The order was never delivered and I called back to XXXX XXXX XXXX. And XXXX XXXX XXXX said the refund will be issued within 2-3 business days. That was XX/XX/XXXX. I also called on XX/XX/XXXX to the customer service at XXXX XXXX XXXX credit card for a dispute. I have not seen a refund or hear anything from XXXX XXXX XXXX credit card back about the disputes. I feel XXXX XXXX XXXX scammed me with the credit card company, and I would never get back the {$1700.00} back!
Product: Checking or savings account

I moved out of state, open a new account online and changed my address and at that point I got a mail stating I needed to call to verify identity. When I called and identified, they then told me I needed to come in and show my id to close the account. I then explained that I couldnt afford to leave due to low funds. And flights being to high from Alaska to Florida. They proceeded to explain theres nothing to be done because I need to come in to prove my identity in order to close an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Automotive Credit Corp.is maliciously reporting to all XXXX credit bureaus : XXXX, XXXX, and XXXX.Incorrectly wth regards to my status on account XXXX.I have 2 accounts with Automotive Credit Corp.One of which was closed due to refinancing.That is account XXXX.I 'm disputing there error of not acknowledging my last three payments in XX/XX/XXXX, and XX/XX/XXXX.Made on account XXXX PRIOR to Automotive Credit Corp.closing my account due to refinancing.Automotive Credit Corp in response submitted an XXXX credit report.Noting there was no error and there report was accurate.It was submitted on XX/XX/XXXX.I went on XXXX credit reporting site as well.Submitted as proof that Automotive Credit Corp.needs to change the status on account XXXX as current/closed refinanced.On my new account XXXX I was instructed to make a payment of {$100.00} towards my previous account XXXX prior to making my first new payment arrangement of {$130.00} on my new account XXXX.I made the payment on my new account XXXX before it was due on XX/XX/XXXX.That was my contractual obligation.To Automotive Credit Corp.in order to have my previous account XXXX refinanced.I made three payments on account XXXX.Prior to my new XXXX account being opened.I have bank statements documenting payments made twice to Automotive Cedit in XX/XX/XXXX, and a {$100.00} payment made to Automotive Credit Corp inXX/XX/XXXX.Both payments were made on account XXXX 'm asking that Automotive Credit be held liable for accepting payment in the months of XXXX, and XX/XX/XXXX.FCRA states that a consumers account status should reflect the most recent activity.Lastly, on my XXXX credit report.Automotive Credit Corp.is reporting my closed account XXXX as open, and delinquent.That status is inaccurate.
Product: Debt collection

Account # XXXX I called on XX/XX/XXXX and spoke with XXXX XXXX, I informed him that I had send multiple request to validate this debt as I did not recall it. He reviewed the information that they had on file and noted that the service address was an address that I have never lived at. He closed the account as fraudulent and let me know that the information would be updated with all three credit bureaus immediately. 

I called them this morning XX/XX/2017 to get a status update as the credit bureaus have not received anything stating that the account needs to be deleted. I was told by the agent that this information has not been sent to the credit bureaus. The agent acknowledged that the account was closed as fraudulent but still reporting negatively to my credit bureas.
Product: Mortgage

we have insurance payment funds and Rocket mortgage will not release the correct amount of funds to me they are keeping over {$51000.00} over the unpaid principal balance even thru federal llaw which states XXXX XXXX of the insurance loss proceeds ; or the amount by which the release funds exceed the sum of the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I co-signed a loan with my son in XXXX. He missed two payments earlier this year, but called and resolved the issue before the end of XXXX. He called them as soon as it became an issue and was told that they would work with him. While he did resolve the issue prior to XXXX, the company reflected a delinquency for XXXX on both my and my son 's credit reports. I am currently in the process of building a home, and the delinquency dropped my credit score by more than 110 points, jeopardizing my loan with the  mortgage company, and I am now in danger of losing the home that I have been building for the past six months. I am scheduled to close on my home in XXXX, and if the negative information is not removed from my credit report only ( not my son 's ), I am in danger of losing my home. 

The effects of this action on my credit score have been dire. I track my scores regularly, and when I checked them on XXXX XXXX and they were XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX ( XXXX XXXX. When the mortgage company pulled my report on XXXX XXXX the scores had dropped to XXXX, XXXX, and XXXX respectively. As you can imagine, my mortgage company was concerned. This is the ONLY issue on my credit report that has caused my scores to drop, and it seems extreme. 

Following are some relevant facts about the loan : 1.  The car being financed is XXXX car with a value of about {$5000.00} that was purchased used. 
2. My son took out the loan in XXXX, XXXX and XXXX was the ONLY month when he had late payments reported. 
3. He only owes {$1800.00} on the car. 
4. The account is now in good standing. 
5. This is the only thing keeping me from being able to close on my home. 

While I understand that co-signing on a loan does imply certain consequences, I feel like this particular consequence would be a bit unjust considering the circumstances. I did not act irresponsibly with this account, I did not personally miss any payments, and the account -- which I would have been responsible for paying if it had gone into default -- has been brought current. 

I called the bank on XXXX/XXXX/XXXX and discussed the situation with four different customer services agents and a member of the Executive Review Team, and while every one I have spoken to has sympathized with my situation, said that they have no problems with the account as of now, and agreed that the negative information was not a fair representation of my credit worthiness, they said they did not have the proper authority to remove that information from my account. I feel that someone at that organization should be able to remove this information, given the relative minor nature of the offense, the fact that I did not commit it, and the fact that the delinquency is no longer an issue. My son called the company today to try to refinance the loan in his own name and they declined to do so.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

EQUIFAX is withholding my credit file and report.its been 3 years and it shows XXXXive called them and sent in documents to verify my identity but still having issues..I am uncomfortable sending my personal info via mail to Equifax especially considering the data breach that keeps happening.i uploaded it thru a secure portal and got an email confirming equifax received said documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I sent in information on a credit card, inquiries, and charge off on my credit report that is not correct and fraudulent. I gave them all the information and the charges are still there. 
Transunion, XXXX  never responded to my complaint. XXXX  added 2 more inquiries to my credit report. Those are not my debts from XXXX and XXXX XXXX. As well as late payments showing on my account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. these are the accounts attached bellow.
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 violates the consumer the consumer financial protection Act. Specifically cash app failed to take timely and effective 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 and regulation E. These actions caused significant inconvenience and financial loss, and I seek appropriate redress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been making complains to the credit bureaus about 2 deragatoriy items on my credit report that is unverifiable and the credit bureaus has refused to removed them although I have followed the guidelines established by the FCRA. I had written to the creditors Via certified return mail and they have failed to provide the documents to verify the XXXX and XXXX accounts. I sent the documentation to the bureaus which showed that the creditor has failed to provide proof of verification. I am asking the credit bureaus to please follow the law and delete the XXXX and the XXXX derogatory items from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into a XXXX XXXX to apply for a car loan and they applied to multiple companies for me on XX/XX/XXXX. Since then I have received multiple letters in the mail with offers, counter-offers, or denials of loans. The issue is this : one of the companies, Ally Bank, sent me two letters in the mail I received today, XX/XX/XXXX, denying my loan application and lists my credit scores from XXXX, and some odd credit reporting agency I've never heard of called XXXX XXXX. My credit score from XXXX listed by the letters is XXXX but the XXXX agency lists it at XXXX and both letters state they used XXXX as a deciding factor in the loan denial. 

After a visit to their website to find out why my score is so low through XXXX I found out that the only way XXXX will give me a copy of my credit report from them is to send off copies of personal information such as my social security card and drivers license through the mail. Their company phone number just led me through a chain of robots without any real help from an actual person. I am reluctant to send off any personal information to a company I have never heard of for credit history until today and all reviews I read of this company have labeled them as a scam. 

Listed on the letters from Ally Bank under XXXX reasons for adversely affected scores are " Limited history for consumer at address & phone ( Applicant ), Length of time accounts have been established too short ( Applicant ), Not enough bankcard debt experience ( Applicant ), Not enough debt experience ( Applicant ). '' I've had my phone number since XXXX, lived at the same address for 20 years, had my bank card since XXXX with zero delinquencies or overdrafts, and I've had my credit card for over a year with perfect payment history. 

To have an unknown company with false information and who tries to use shady tactics to obtain personal information be the adverse factor in a bank 's decision to offer a loan to me has sent many red flags and is the reason I am filing a formal complaint against XXXX XXXX and Ally Bank for partnering with them and for potentially sharing my personal information with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experience wont let me remove several companies from my credit report. Many of the transactions were handle already like the XXXX XXXX XXXX. That one was an account that got transferred to XXXX XXXX who then paid the account off. The XXXX charge was unfair because my vehicle had flood damage from hurricane and they still repossessed my car even before the date that they told me they would and this remains on my credit report. Experien refuses to remove it even though XXXX  did. A tropical storm that happened in XXXX caused master debt solutions to remain on my credit profile which is causing me rental issues during pandemic. Experian refuses to remove it even though XXXX did. I am sick of making pointless disputes when experian seems to constantly contribute to a system that attempts to keep XXXX Americans in debt. I am getting so sick of their ability to cause me setbacks
Product: Checking or savings account

I received a text message today from phone number ( XXXX ) XXXX that said Dear Customer, Your [ J. P M0RGAN ] Account is on hold due to odd actions being identified. Visit XXXX XXXX XXXX and update your details to solve I do not have an account with JP Morgan Chase XXXX The link brings me to an unauthentic Chase website at the following web address : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CJ penny Credit card in reporting incorrect balance on my credit card
Product: Mortgage

I am filing another complaint on behalf of my client. After my last complaint regarding the manner in which my client 's loan modification application was reviewed, XXXX different Wells Fargo representatives contacted me from the Executive Office ( XXXX and XXXX ). After speaking to them and my client I told them that my client wanted to forgo the loan modification review and instead be reviewed for a short sale. I asked XXXX if that was possible. She said it was but that the review had to be expedited. I agreed. I told her that we had secured an offer for the property and that we could send it over immediately. I stressed to her that because a sale date had been set for XXXX XXXX that it was IMPERATIVE that someone contact me ASAP to review the file. I told her I did not want to delay ONLY to be told that we were too close to the new Trustee Sale date. She assured me that the review would be expedited that and someone from the executive short sale department would be contacting me. It has been nearly a week and no one has contacted my office. My assistant calls Wells Fargo 3 times a day trying to get in touch with someone. We have not heard from XXXX or anyone else. Customer Service does not seem to know what is going on. I am concerned and believe that time is going to fly by until we are once again close to a sale date. As I was writing this my assistant just spoke to someone that said the offer is being reviewed but they have not asked for anything NOR do we have a representative to discuss the matter with. 
I have always worked well with Wells Fargo so I am VERY confused by this. We are trying to resolve this matter amicably and avoid a foreclosure sale. The offer that we received is a good offer especially considering the condition of the property. I do not know what value Wells Fargo has for the property but an INTERIOR BPO is needed. Trust me, Wells Fargo needs to get someone inside this home to check out what is going on. 
I am only resorting to communicating through the CFPB because Wells Fargo will not return our calls. 
I want to believe that Wells Fargo is working in good faith but the run around that we get from customer service tells me otherwise. I do not trust what is going on right now. My client is willing to do whatever it takes to resolve this matter FAST. 
I have a funny feeling that time is going to pass and I am going to be given some XXXX excuse. I am documenting all of our calls and attempts to work with Wells Fargo. 
Please have someone contact me ASAP at XXXX to discuss this situation. Time is of the essence.