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

I was using my account normally, I made a deposit via cash & check. All my funds cleared and have been held by for over a month. My account has been frozen and walked into the branch multiple times to just close it and called every number but they've done nothing and at this point I feel like I've been robbed of {$280000.00}.
Product: Credit reporting

I have sent Numerous notices to Equifax to delete the inaccurate accounts they could n't verify or Validate to me. This is a Agreement for validation made pursuant to the Fair Debt Collection Practices Act Section ( 15 U.S.C.A. Section 1681 & 1692 XXXX. ). These accounts are not mine & need to be delete from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy the reported payment history on some accounts is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX XXXX : {$100.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX Balance : {$690.00}
Product: Debt collection

In XXXX, My ex wife applied for a title loan through Personal Finance Company on her car and in doing so the company wanted me to cosign the loan for her. The original amount of the loan was for {$1000.00} she then got into a car accident and stopped making payments. In XXXX I received a wage garnishment order for {$20000.00} from this company and received no prior communications about the debt because I was not living with the original account holder since XXXX, on the garnishment order that I received from my employer shows a mailing address of a XXXX XXXX that I never used. Being a cosigner I know I am also responsible for the note but do not agree with paying accumulated interest of the loan, I have been in contact with the finance company and also with the collection company handling the account trying to come to a resolution. I have paid {$4000.00} so far on this account, however they are not attempting collections on the original account holder and trying to collect back interest of 29.22 %. I believe that this is a very unfair practice from this company I believe that I have fulfilled my obligation as the cosigner on the note paying the original loan amount plus other costs for the loan going into default. All the payments that have been made, came from me and not the original account holder. I believe that forcing me as a cosigner to pay accumulated interest since the loan has been in default is just wrong. I was informed by the collection agent handling the account that I have paid more then the original submission of the account. How is it legal for a company to keep accruing interest on {$1000.00} loan for many years that the account has been in default?
Product: Credit reporting or other personal consumer reports

billing error on my credit report XXXX XXXX XXXX
Product: Debt collection

I voluntarily repoed a vehicle 3 years ago. I am NOW being told I owe almost {$5000.00} to a debt collection company by the name of Stenger and Stenger. I had to agree to pay them {$180.00} a month for 24 months. I complied with the first payment out of pure fear due to the fact that the paperwork I was sent threatened wage garnishment as well as arrest and up to 180 days in jail. I can not afford to pay this debt. I have XXXX paperwork showing actual proof of this debt other then the XXXX letter I received from them threatening me. When i asked if I can give them less per month I was told no. I need help desperately.
Product: Debt collection

I am receiving repeated phone calls from XXXX XXXX at Bayview Loan Processing, LLC while I am at work about a debt that belongs to someone with a similar, but not same, name. The debt is attached to a property I do not own now nor have I ever owned. My phone number is attached to the account and Bayview Loan Processing will not remove it because the last XXXX of my social does not match the one on the account. They will not give me any information regarding the loan. The name on the account is XXXX XXXX though I am uncertain of the spelling
Product: Money transfer, virtual currency, or money service

Robinhood brokerage is not allowing me to withdraw money from my account. They are refusing to respond to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : 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, credit repair services, or other personal consumer reports

Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with CFPB regarding a fraudulent car company listed on all three credit bureaus, credit acceptance. within a week, transunion was able to remove the given creditor however experian and equifax refuse to due so. I am requesting that the given creditor be removed immediately due to being fraudulent.
Product: Credit reporting or other personal consumer reports

Hello XXXX I asked XXXX, XXXX, and Equifax to XXXX these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested to update the inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or responses that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update/correct the following accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes with Equifax about hard inquires that O have no knowledge of nor did I give my permission to run my credit to these companies. Equifax refuses to help me. They refuse to tell me who they are confirming their info with.
Product: Credit reporting, credit repair services, or other personal consumer reports

AXCSSFN/CNGO # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report
Product: Credit card or prepaid card

Please reference complaint # XXXX. 
I made a deposit into my account, ending in # XXXX, at Chase Bank on XXXX/XXXX/XXXX in the amount of {$150.00}. This was the exact amount required to be able to close my account. After speaking with a Chase representative and making this deposit, I again ordered that my account be permanently closed, with no further transactions of any kind. 

I received a notice from Chase dated XXXX/XXXX/XXXX advising that XXXX had been paid {$30.00}. This is yet another payment by Chase from an account that I ordered closed three times. They also paid XXXX knowing there were insufficient funds in this ac- count. 

On XXXX/XXXX/XXXX I received a letter from Chase executive office acknowledging the receipt of my previous complaint. Chase advised a detailed research was being con- ducted. I received yet another letter from Chase dated XXXX/XXXX/XXXX advising that my alleged unpaid balance would be charged off and reported to XXXX XXXX XXXX. 

On XXXX/XXXX/XXXX I received yet another letter from Chase advising that a deposit of {$160.00} was required in order for my account to be closed.

Chase was paid any outstanding amounts and were advised to close this account on three seperate occasions. Yet they continue to pay from this account, without my consent, so that they can charge overdraft charges.
Product: Credit reporting

Equifax did not take my statement or investigate my dispute. When I spoke to their customer rep they stated to me more than once they do not investigate. They asked the company who reported to Equifax to investigate. When I spoke to one of their supervisor 's by the name of XXXX XXXX stated to me that they investigate by sending supporting evidence to the company who reported to Equifax. I asked XXXX XXXX is there a way that Equifax could do their own investigation by looking at my bank statements, proof of payments, and my electronic automatic payment statement from XXXX, and she stated to me no! I asked XXXX XXXX why would you accept the statement of XXXX and not look at my proof from a accredited bank that has been in business for over 100 years. She stated to me it is not Equifax responsibility to look at the customers information, but only accept what has been reported by the company who has reported to us. I said to her that they could report anything to you guys without proof, and the only thing she stated to me was " If XXXX lies I could sue them '' When I asked to speak to another supervisor she stated to me that she was the only one I could speak to. I requested to speak to her supervisor, and she stated to me that I was the only person I could speak to. Then I asked her that I need to file a complaint, and she stated to me what the complaint is about? I said to her that I prefer to speak to someone else about the issue. She stated to me that I need to mail my complaint. I asked her why I could not file my complaint over the phone, and she stated Equifax does not accept complaints over the phone. Then she said if there is nothing else she could help me with she was going to hang up. I tried to ask her some more information, and she hung up on me. I called back and talked to another person who stated to me that they will take down my complaint and send me an apology letter. 

I have all of the conversations with Equifax recorded as proof. I would like for Equifax to correct this problem by thoroughly investigate this problem, and not just accept what XXXX will give them as proof. If not I will share my conversations with the people that will read this complaint.
Product: Prepaid card

Purchased vanillagift.com-branded XXXX debit product XX/XX/year>. Card was declined multiple times at online vendor using XXXX payment processing. The card was also never recognized by the company 's own website XXXX, and neither the status nor balance of the card could ever be validated. 

Called customer support XX/XX/year>. Agent attempted misdirection and misinformation about the product and its status multiple times. Eventually resorted to re-attempting both the original purchase as well as logging into XXXX for card balance query, live while on the phone with the agent. Both attempts again failed, after being assured card was now 'active '. 

Agent agreed to process a refund. Case number provide : XXXX. XXXX indicated XXXX weeks for XXXX delivery of refund check ( from XX/XX/year> ). 

Still have not received a refund ( XX/XX/year> ).
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 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 FundTransfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

The information that they have sent to the bureaus is not mine. I did not open an acount in 2021 for those amounts or from recent years. They have reported incorrect information to all three credit bureaus.
Product: Checking or savings account

On XXXX, I received an email from US Bank about Savings Loyalty Bonus Offer ( XXXX XXXX ). It stated that I will receive {$300.00} bonus if I deposit {$15000.00} or more in new money from an external source into my existing savings account by XXXX and keep it in the account until XXXX. 

I transferred {$15000.00} from my XXXX XXXX  account to my US Bank savings account on XXXX and maintained it until XXXX ( XXXX  XXXX ). According to " the terms and conditions '' from US Bank, {$300.00} should be credited into my savings account no later than XXXX. However, I still have not received it. 

On XXXX, I used the online chat room from US Bank to talk to a representative named XXXX, she told me to contact them later if {$300.00} bonus is not credited on XXXX. 

On XXXX, I called US Bank hotline at XXXX. Representative named XXXX confirmed that they will get back to me within three business days. However, nothing happened yet.
Product: Debt collection

A company by the name of Jefferson Capital Systems , LLC contacted me and informed me that I owed {$360.00} in unpaid debt. I am unaware of this debt or the account to which it is linked. The account is fraudulent, and I've placed a fraud alert on my credit report as a result of things appearing in my name that I'm not aware of. This collector has been harassing me about this account for weeks, and I've already stated that I do not know the account in question, nor did I open or operate it. Please help me with this because I've never owned or operated the account they're looking for. They are stating that they contacting on behalf of XXXX but I've reached out to XXXX countless times about the account in question and reported to them numerous times that the account is fraudulent and that the account is operated does not belong to me also that it is a fraudulent account and my notifications were ignored countless times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Statute of Limitation on credit card debt and most other debt in New jersey is six ( 6 ) years ( It is four years for auto loans ) I have made a settlement payment to Chase bank in order to deelete the account but it s still there years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to file a complaint for fraudulent items listed on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I have reached out to these companies for more information to no avail. I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review and removed this fraudulent information from my credit report immediately.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I received a letter from Synchrony / XXXX XXXX stating my obligation to XXXX XXXX had been cancelled. Of particular note, the letter does not state the matter was satisfied, nor does it clarify that the matter was resolved through insurance company claim settlement, which represents a true statement of facts. 

Since I was making regular monthly payments prior to XX/XX/XXXX, I had made several telephone inquires to understand how reimbursement would be handled.1st called followed receipt of the correspondence dated XX/XX/XXXX and I was told that I was due payment of {$1400.00} and that I should have it by XXXX. 

Not having received any reimbursement draft, I called a 2nd time and spoke with XXXX who indicated that checks are sent for processing on Fridays and assured me the reimbursement would be sent out on Friday XXXX. 

Assuming the draft is sent via XXXX, I would like to hope that by the following Friday ( XX/XX/XXXX ) I should receive the reimbursement in hand, being sufficient time for the mail system to function as designed. 

Well, Friday XX/XX/XXXX came and I did not receive any item in the mail system. I called customer service a 3rd time and spoke with a pleasant representative named XXXX who reiterated that I was due refund and that these are sent for processing on Fridays and this would have been XXXX and should take 2 - 3 weeks for me to received it. Since I was on a recorded line, I asked for the check number to give me some level of evidence that there was an item on its way, but she was unable to provide. These are recorded calls so I was sure not to take my frustration out on her - she's doing what is scripted for her, and I fully understood that. I asked for executive info as my intent at this point was to escalate my concerns ) ( a.k.a. COMPLAIN ) XXXX She provided email to Corporate and I appreciated that. 

The nature of my complaint is that Synchrony ( XXXX XXXX ) is holding " patient '' funds XXXX under the banner of policy/procedure and they likely do not understand, or care to understand the full context : patient needs financing because they need to bridge a financial gap in order to obtain equipment while they have to engage in a fight with their insurance company. 

If I had the means, I would have gladly chosen not to go the finance route and I wouldn't be here. And I am sure there are many others out there in the same predicament, but just have to " eat what they are served. '' If am sure if the debt was still active and I was late/missed a payment, I'd likely be penalized with a late fee and reminded in a sternly worded letter or receive a call reminding me that " If you go 30 days late it could impact your credit. '' I've had to struggle and fight through this entire ordeal. I won the battle with my insurance carrier only to have to suit up and do it again with the company holding my hard earned funds. 

( NOTE : Figuratively ) At this point, if I could wield the regulator stick, I'd take a swing and hopefully it has intended effect! 

Respectfully,
Product: Checking or savings account

On  XXXX / XXXX /  XXXX   I deposited 3 checks totaling {$1700.00} into my Chase checking account. The checks were initially put on hold for 2 days  ( 2 checks from other financial institutions )  and 9 days ( a personal check ). Subsequent to those delays my account was frozen and I was not allowed access to any of the money in my account including those checks. I called Chase on the  XXXX  and the  XXXX  of the month trying to understand the issue. On the  XXXX  I was informed that there was nothing that they could do and that my account would be closed and I would receive a check for the balance. After my call on the  XXXX  I contacted and confirmed with the three issuers of the checks that all  3  checks had been cashed and the money had been withdrawn from the accounts.     On the  XXXX  I received a check for the balance in my account less the {$1700.00} and on the  XXXX  I called Chase a  XXXX  time. I was informed again that there was nothing they could do and the balance on my account had been zeroed. During the call I suggested to the Chase rep that the money had been lost by them and he said " that is correct. '' He then retracted that statement when I challenged him on it. At this point I do not know how to proceed.
Product: Debt collection

Bank of America reported a debt owed on my credit report of XXXX. I was Never given any written notice as to how this amount came about. This dropped my credit score. 

Since I only have a mortgage with Bank of America Im assuming the amount has something to do with my mortgage. My mortgage is not past due. 

I Never received a past due notice or a late notice or a pay by this date notice??? 

But yet they reported this on my credit report.
Product: Student loan

During the course of servicing my loans, Sallie Mae ( later Navient ) would not allow me to consolidate ANY of my loans. Further, i was not given the opportunity to enter into an IBR plan. I was constantly told I could only do a temporary " economic hardship '' or defer my payments. Over the course of the servicing period, I had to do BOTH economic hardships and deferments on my payments. Sallie Mae also attempted to claim I defaulted on a payment due to their own mistake ( luckily, I was able to prove to them that the payment was made and the mistake was on their side ).

In 2015, my loans were moved to another carrier in which I was able to consolidate the loans AND enter into an IBR plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Received a call from XXXX XXXX from XXXX XXXXy stating i need to pay off my bill it was illegal and i would be sued in federal court If i did not pay the bill and possibly throw in Jail, I paid the capital one bill in full even though it was paid prior, I also was told after it was paid in 30days it will be delete off my credit report and it is still there. This company have over 2000 complaints here at the CFPB and I demand something be done about this company and this fraudulent account be removed off my credit report as it his hurting my living. Thank you.
Product: Debt collection

We received written correspondence from a debt collecting agency called Lamont, Hanley, and Associates stating that our health insurance company, XXXX XXXX XXXX sent us to them for a debt that we owe them and hadnt paid in the amount of {$180.00}. I spoke directly to XXXX XXXX XXXX who said that there was no debt that we owe them and that they suspected this was a scam. I called Lamont Hanley and associates after this and the individual I spoke to refused to speak to me unless my husband called and said that I likely spoke to the wrong department in my health insurance company and that we in fact did owe this debt. I informed them that I believed them to be a scam. They denied this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was negligent and did not securely hold my information. My name, Social Security number, Birthdate, Address. Phone number, and Drivers License number has been taken by unknown entities during the 2017 cyber attack. There is a chance they were also able to access my credit card numbers. I am a victim of identity theft and now at high risk of credit and identity fraud.
I believe financial compensation is a fair resolution to the crime of negligence and allowing identity theft. I recognize many Equifax users were impacted. I am at higher risk of future identity and financial fraud being an individual with a high net worth and a high credit score. I am requesting with all the others damages in the State of Missouri for the crime of negligence.