23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I opened an account with Chase Bank XX/XX/XXXX and immediately after began to receive pre-screening offers for their XXXX and XXXX XXXX. XXXX of that year I requested a credit limit increase which required Chase to pull my full report. At the time that the report was pulled I had XXXX accounts which had been opened within the past 24 months. Chase granted the credit limit increase and continued to send the pre-screening offers for both their XXXX and XXXX products. From XX/XX/XXXX to XX/XX/XXXX I was sent an offer for the XXXX and XXXX cards once a week every week for the 8 months. In XXXX I decided to apply for the Chase XXXX and I was declined. The only reason listed on the decline letter was " Too many credit cards opened in the last 2 years '' which at the time was XXXX. I contacted Chase and asked them why they would send so many offers for the XXXX if they knew I had a high number of accounts opened in the last 24 months? They stated that its not their obligation to inform their marketing department of any information obtained from pulling my credit. I do n't think that 's right or fair. They pulled my report 8 months before and saw the number of new accounts yet continued to send me offers for a product I was n't unqualified for. Now I have to have the inquiry negatively effect my credit simply because they refuse to share information between departments.
Product: Student loan

I was on a payment plan, paying on time every month. My refund was snatched from me XX/XX/2018 without me knowing I was never sent out a letter or told that my income would be garnished. I called the bureau of fiscal services, and was told my offset was ok and I was ok to file my taxes for the year. Well, I file and student loans took my entire refund and didn't sent me out any letters, e-mails, or phone call. I am a single mother of XXXX, I am about to be evicted, cars repossessed, ect. I need immediate help Please and thank you.
Product: Credit reporting or other personal consumer reports

I just viewed my recent credit report from XX/XX/2024 and I discovered some inquiries that I did not authorize and also have no permissible purpose. I am now a victim of identify theft I have also attached the evidence. These inquiries have no permissible purpose to be on my report, delete these inquiries due to violation of 15 USC 1681b.

According to 15 USC 1681 : As the consumer I have the right to privacy and I did not give ANY written permission to furnish these accounts.
Product: Credit card or prepaid card

I was notified that DISCOVER had frozen my account in order that it be verified. They requested 3 months of bank statements which I sent on XX/XX/2021. I called on XX/XX/XXXX and was told they had not received them from their portal. I resubmitted that day and saw on their website that the documents were received. Ive called every few days and keep being told it takes several days. It is now two WEEKS and Was told that since they did not receive documents by the deadline the account is CLOSED. After a long discussion I am told the representative will note that I am upset. There bas been NO EFFORT on the part of Discover to address this issue, and will not expedite. It will be handled in the order in which it was received - which means I am starting the process all over again! 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX Email : XXXX XXXX : XXXX
Product: Checking or savings account

On XX/XX/2022 I placed a XXXX XXXXt for {$590.00} for an XXXX for XXXX by XXXX that could impact my Checking Account at Wells Fargo. A {$31.00} fee was assessed for the XXXX XXXX on XX/XX/2022. 

On XX/XX/2022 - the ACH was received by Wells Fargo and they negligently did not fulfill their obligation to return the item and paid it. 

On XX/XX/2022 I contacted Wells Fargo and informed them of the error and requested that they return the item or refund me, as my XXXX XXXX order was not followed. 

On XX/XX/2022 I received a notification from Wells Fargo that confirms the investigation requested for the stop payment. However, seems that Wells Fargo included a Date Requested of XX/XX/2022 - which do not know if this is the date of the investigation or the date of stop payment, which in the event it is the date that the stop payment was requested, it is NOT accurate. 

On XX/XX/2022 - Wells Fargo sent me a letter indicating that the XXXX is closed and the reason provided is that " We are not able to reimburse you because the rules for these types of payments do not allow us to reverse authorization after the payment has been made ''. 

Wells Fargo showed that they are unable to follow their fiduciary obligations and negligently paid the ACH in error. Now that are claiming not liable, despite XXXX XXXX was places prior to the XXXX payment.
Product: Credit reporting or other personal consumer reports

The account was sold by XXXX  and paid not reporting accurate
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion for its failure to conduct a thorough investigation into inaccurate items on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I diligently submitted a dispute letter to TransUnion via USPS certified mail Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX, requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report. I took great care to include a copy of my photo ID, social security card, and a recent bill with my current address to assist TransUnion in verifying my identity and address. Despite these efforts, TransUnion refused to conduct their investigation. 

Subsequently, I received a response from TransUnion, dated XX/XX/XXXX, which stated : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This response is unacceptable as it fails to acknowledge the substance of my dispute and disregards the evidence provided. 

TransUnion 's failure to conduct a reasonable reinvestigation into the disputed items on my credit report is a direct violation of my consumer rights under the FCRA. As per the FCRA, credit bureaus are obligated to conduct a reasonable reinvestigation when the completeness or accuracy of any item of information in a consumer 's file is disputed. 

Enclosed, you will find a copy of the dispute letter I sent to TransUnion, along with proof of USPS certified mail delivery and TransUnion 's subsequent response. This documentation serves as irrefutable evidence of my efforts to rectify inaccuracies on my credit report.
Product: Consumer Loan

I submitted an application to purchase/finance a lawnmower. The company outsources their financing to Synchrony Financial. The address on my drivers license was used for the application. At the time, I advised them I just sold my home ( closing was within the next XXXX weeks XXXX and needed to have the mailing address updated. The following week, I received a phone call from Synchrony Financial requesting I give them my updated mailing address. I gave them the new address and was advised of a future payment date. Today XXXX/XXXX/15 - my payment is due. However, I have not received any documentation regarding the loan and account number. Upon calling the bank, customer service tells me that it was sent to the old address and returned. I advised I would only issue payment if I had supporting documentation for the payment. The company mailed paperwork to an address they knew to be incorrect. The company refused to provide me with an account number although I verified my identity through my date of birth, social security number, old and new addresses, and amount of the loan. They stated they are unable to update an email address over the phone for security reasons. This makes no sense as they are able to update a mailing address over the phone. My customer service rep, XXXX - showed no empathy or concern. After telling me a payment was due today - he snarkly responded to my request for a bill in order to make the payment due with the words, " I 'll mail it and you can get it XXXX business days. '' This type of service is rude and unacceptable. It almost appeared to be a personal attack and deliberate attempt to elicit a late payment fee because they have not provided me with a copy of the payment due/invoice. Nor have they used common and acceptable methods of communication in order to ensure the customer has the information necessary to make prompt payments.
Product: Checking or savings account

XX/XX/2024 my account was frozen due to someone trying to change my debit card pin and it was not me. They sent me an email to verify who I was using my license and a selfie. Said would take 72 hours. Today is XX/XX/2024 I have sent 2 emails to their legal department and I still have no access to my money. I call and they tell me the department I need doesn't take phone calls and only uses email. I have not been able to pay my rent, my vehicle loan, and all my auto pay bills have been declined. I am getting sick over all this and nobody will help me. My issue is with XXXX Credit Karma
Product: Student loan

My name is XXXX XXXX, I am a XXXX XXXX  of XXXX at a non-profit small XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I still have almost {$40000.00} in student loan debt. Under the government 's expanded public loan service forgiveness plan, my previously unacceptable XXXX payments became acceptable for the program. I have applied numerous times and had my employment verified. My 1st application was now more than one year ago. I have been on the phone with PLSF service providers multiple times for hours of wait time only to have someone tell me I need to keep waiting. They say everything is approved and I must wait. It has now been over a year. my loan is again coming due in XXXX and I can not budget for it. I am single and am struggling to pay my rent as everything has gotten so expensive. I have filed a XXXX with their ombudsman department. No one has ever answered me. This debt remains on my income to debt ratio and is impeding me From buying a home until I get this debt off my credit. I would like for my debt cancelation to be completed and I want to receive a refund for the 50 payments that I have overpaid. Thank you endlessly if you can help.
Product: Credit reporting or other personal consumer reports

This account ; Creditor name XXXX/XXXX  Account number XXXX Account status Collection Available credit XXXX  Reported balance {$1900.00} Credit utilization XXXX  Date opened XX/XX/year> is being reported to my Transunion account XXXX and this is a fraudulent account. I did not open this loan, nor did I receive the proceeds of this account.
Product: Money transfer, virtual currency, or money service

XXXX XXXX not include personal informatio., suchoas your name, account number, address, Social Secirityshumber, etc. We may ask for somgof this information later, to help the company identify you and your account. 


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

I was approved to borrow {$100.00} on XX/XX/XXXX. I was told the money was deposited, but it was not. 
On XX/XX/2023, they helped themselves to {$100.00} from my bank account and are still refusing to pay it back. 
I have made several attempts to retrieve the money only to be told that a specialist will be emailing me or they boot me from the live messaging.
Product: Payday loan, title loan, or personal loan

DO NOT APPLY FOR ANYTHING WITH THIS COMPANY!!! THEY ARE A SCAM AND WILL XXXX YOU OVER! THEY FALSEY APPROVED MY APPLICATION ONLY TO DENY MY APPLICATION AFTER A GUY CALLED FROM THIS NUMBER XXXX AND DIRECTED ME TO GO TO THIS XXXX XXXX AND CLICK ON 5 STARS AND WRITE SOMETHING NICE ABOUT A LADY NAMED XXXX. I DO NOT EVEN KNOW XXXX!!! WELL ONCE I DID EVERYTHING HE ASKED ME SAID AGAIN, THANK YOU AND CONGRATS AGAIN ON YOUR LOAN APPROVAL. WELL IT GETS POSTED THEN ALL OF A SUDDEN THEY SENT A EMAIL STATING IT WAS NOT APPROVED!!! WOW!!! I WILL BE CONTACTING THE BBB AS WELL AS WELL AS THE CEO OF THIS SO-CALLED COMPANY
Product: Consumer Loan

I Held the check Pioneer Credit sent me for about 30 days before cashing it. I call Pioneer credit before cashing the check asking them if I pay off the loan early will there be any prepayment or other fee 's and what will the pay off amount be since I will not have the loan for the full term. I was advised there are no additional fee 's and I can call in to get a payoff amount anytime. After cashing the check, more then 30 days later I never received a statement in the mail. Pioneer Credit called me stating I have a pass due balance, I told them I never received a bill, I was advise that they do not send out bills, I ask why did n't you disclose that? They said they just do n't do that and waive the late fee and advise me to go to the website and create a account. When the next billing period came around there website would not allow me to register, so I called them and was told there is nothing they can do about the website but they can manually send me monthly statements as a courtesy. I never received any statements from this company. Once I realize my bill was coming up with them, I call to pay and get the payoff amount. I was told by a female ( note I misplaced were I wrote her name down at ) it was {$2500.00}, I ask why is no money getting applied toward the principle, she stated she do n't know and put he on hold several minutes to look into, when she came back she said its only based on the full loan term. I stated I 'm not keeping this loan the full term I want to pay it off because there 's too many problems with this loan. She then became irate saying you signed for it just look at the paperwork. I then stated this company seem like loan sharks and ask to speak to the manager. I ask him the same questions he gave me a higher number XXXX and XXXX if I wait until next month. I stated what? that makes no since why is n't my balance going down? The manager stated he was not educated in that field and cant answer my question and apologize for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX : XXXX, XXXX 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 instructons 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 vears.

15 U.S.C. 1681s-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Transunion is in violations of 15 USC 1681a, The Fair Credit Reporting Act [ XXXX5 USC 1681 ( a ) ( 2 ) ( B ) ] :
Product: Credit reporting or other personal consumer reports

I have called in XX/XX/year> to get my credit report. Lexis Nexis did not send it. 

I called Lexis Nexis to order for my credit report for the XXXX  time. Lexis Nexis sent me a letter with an access code. 

The access code does not work.
Product: Credit reporting or other personal consumer reports

I am REWRITING to WESTLAKE SERVICE INC to dispute inaccurate information on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My date of birth is XX/XX/year>. The FTC report number related to this complaint is XXXX. I have identified entries on my credit report that appear to be either duplicated or incorrect, and for which I did not provide authorization. As a consumer, I am entitled to have inaccurate or unverifiable information removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please review my report and remove any entries that do not comply with the FCRA, specifically under FACTA Title 1, Section 151, which mandates accurate and verifiable reporting. I request that you address this matter promptly and provide confirmation of the resolution
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I uploaded to Experian ( XXXX XXXX XXXX - see attached screenshot proof of upload ) my dispute letter with the required identification ( see the attached dispute letter having color copies of : my drivers license, social security card and utility bill ) In it I disputed several inaccurate 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 XXXXXX/XX/year> I still have not received a response from Experian.
Product: Money transfer, virtual currency, or money service

i wired coinbase XXXX XXXX and they are confirmed sent by my bank and never received or sent back by coinbase
Product: Credit reporting or other personal consumer reports

XX/XX/year> I've tried RELENTLESSLY to contact EQUIFAX after several failed attempts to access my credit online. After calling three [ 3 ] different phone numbers, inputting my personal information as instructed, I have been put through the ringer to be on hold after FINALLY getting to an agent. I've been on hold over an hour- I put a credit freeze on my other two Credit Bureau 's without issues. I can not access EQUIFAX at all. They say I have an existing account and instruct me how to change my password. I THEN receive notice I already have an existing account. I've gone back and forth online with complete mixed messages from EQUIFAX. I can not access my credit. Now after 3 different listed online phone numbers to call them, I am exhausted in my quest to simply find myself on hold for well over an hour - CONSUMERS SHOULD HAVE MUCH EASIER ACCESS to this company holding our most valuable information. I had absolutely no problem with the other two bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate the immediate action done and respond to my CFPB complaint, however, I totally disagree with what the Creditors and Credit Bureaus claims that the disputed accounts are reporting as accurate. I took the liberty to investigate my own Credit File and I will point out the inaccuracies I noticed : 1 ) the disputed accounts are reporting as late even though I never missed a single payment. I keep my own Payment Records and what the Credit Bureaus present is different from what I have ; 2 ) the disputed charge off account was not charged to me. The account reports as paid and agreed : and 3 ) there are inaccurate personal information that are reporting and must be immediately removed. I am submitting this CFPB complaint to request another investigation to be done and have the disputed accounts and information deleted from my Credit File as soon as possible. Also, the Credit Bureaus have been claiming that the disputed accounts and information are verified without sending me copies of the result of their investigation. Once again, have the disputed accounts and information corrected or deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

Hello An account was reported on my credit report today stating that I opened it in XX/XX/scrub>XXXX XXXX  which is not true ; that's deceitful practices from this collection agency that I don't even know who they are. I want this removed off my credit report immediately. I will be consulting an attorney as well. This company has XXXX business days from today to do so. I will also be contacting the Attorney General
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account Number XXXX {$9300.00} XX/XX/2019 XXXX/XXXX  Account Number XXXX {$380.00} XX/XX/2019 XXXX/XXXX  {$100.00} XX/XX/2019 XXXX XXXX Account Number XXXX {$40000.00} XX/XX/2019 XXXX Account Number XXXX {$4400.00} XX/XX/2019 I've now also filed with the attorney general office. The above need to be deleted by law in accordance with section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity
Product: Credit reporting or other personal consumer reports

This is a notice to demand the consumer reporting agencies to update my utilization or delete. I, the consumer, have the right according to congress law, to remove or update any information reporting on my consumer report.

Utilization information of my credit card experiences is a violation under 15 USC 1681a2.

Please apply to all reporting credit consumer agencies.
Product: Checking or savings account

On XX/XX/XXXX I informed Chase bank an employee deposited a fraudglent check on XX/XX/XXXX. This employee duplicated her check that she cashed on XX/XX/XXXXwhich was a valid check. The new check was a duplicated she printed and I had her XXXX. The bank stated I did not report it in a timely manner one day! This employee was XXXX however, the bank should have never allowed this check to process. 
Second check I also found while investigating. was for {$4500.00} I told them how did you let this process it is not my check nor my signature. This was in XX/XX/XXXX and they told me its too late. I asked where the check was cashed they stated they had to protect the person who cashed this fraudulent check on my acccount. 
This bank allowed my company too be ripped off for {$5200.00} an they will not help at all!
Product: Debt collection

This company has repeatedly called 2xs a day and leave messages on a work phone after being told the number is a work phone and to not call or leave Messages previously. Messages were left on the work phone on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Today, I found unauthorized inquiries on my credit report and I dont understand how they got there. I reviewed my credit report like always, but for some reason, there were discrepancies that hadnt been there before. I tried refreshing my browser, hoping it was just a temporary issue, but the inquiries are still there. I am incredibly frustrated and need you to carefully check the documents I've provided so this can be resolved immediately.