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

Sat XX/XX/XXXX I attempted to purchase a product for marketing my business. The product was a XXXX motorcycle that I figured would be a great Sales incentive for my company. At the dealership I called Suntrust to approve the transaction as I knew it would surpass my daily limit, they ( employee named XXXX ) said no, I asked for supervisor ( XXXX ) which also said no. I told them ( XXXX and XXXX ), that this was an indication that I would not be able to do business with suntrust if thats their attitude, I apologize to the vendor and paid XXXX $ to hold the bike until I could walk in to get a cashiers check. Upon leaving I try to use my card again and I get denied. After multiple attempts to use my card I got error messages denying me from my checking the account. I also was told I could not speak to any additional supervisors and I had been now placed on no debit, by an employee named XXXX, this was a third call. I told XXXX that I needed a supervisor because this was unacceptable, I called to get approval and Im then resulting blocked from debits? Thats strange I thought, but XXXX said all supervisors where busy I asked her to have one call me. They didnt, 1 hour later I call back and find out from an employee named XXXX that it has been frozen due to suspected fraud. Not only is that insulting but its almost robbery. I asked to have a purchase cleared, pre purchase in respect to their rules and I end up with a frozen account and a fraud accusation. Can you help
Product: Credit card

On XXXX/XXXX/15 someone contacted synchrony bank ( walmart ) and requested a change of address to florida and had my credit limit changed from {$400.00} to {$3400.00}. No one from synchrony questioned theses changes, called me to verify or anything. This person made a lot of charges. on XXXX/XXXX/15 I recevied a letter from synchrony asking if these changes where made by me. I know mail only takes about three days to get XXXX. Upon receipt of this letter i called and was told what had happened and that i was not responsible for the charges. they gave me a new credit card number but because they were unable or unwilling to tell him how they allowed this to happen in the first place i had the card canceled. On XXXX/XXXX/15 they mailed me a fraud letter and i received it on XXXX/XXXX/15. I want a full explianation as to how my security with them was breached and why i was not called the day for this major change was requested. I also want a written apoligy for the hardship this has caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I currently have a loan from my former university XXXX that is and always has been in good standing with Navient. I continue to get mail from XXXX XXXX who claims they are the lender for the same XXXX loan and have been reporting non payments to the credit bureau negatively affecting my credit. I reached out o FASA who confirmed that the loan in question is in fact in good standing with Navient. I also filed a dispute with XXXX and have a file # XXXX thus far XXXX XXXX has not responded. Using the account number from them XXXX they claim that XXXX sold them the loan and that they are the new lenders. Again this loan has been under Navient for a few years and there can not be 2 lenders for 1 loan. FASA also confirmed that they only have Navient and has no knowledge of XXXX XXXX and according to their records it appears that XXXX XXXX maybe engaging in fraudulent activities. I do have fraud alerts with all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft I have been struggling with keeping up with all the products that were open in my name. I have to check my report almost everyday because product are opened fraudulent in my name. I haver opened a dispute on this item over to month ago and today I got a alert that XXXX XXXX  was reinserted back on my account I asked for a investigation on the other two account I am a retired vet with a limited income to hire a lawyer for services that I'm paying XXXX to protect my identity by notify my if anything is opened in my name by putting a extended fraud alert on my credit report before extending a new account but they have yet to do so. please hold these company accountable for this because If there are no consequences it will continue to happen. I have attached my FTC REPORT and a new police report so I am asking for help. thanks
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX  # XXXX, Account name : DEPTEDXXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are supposed to 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: Debt collection

I opened a Credit Card account in XX/XX/XXXX and had a charge off in early XX/XX/XXXX, I opened the account while living in XXXX. I moved to XXXX in late XX/XX/XXXX and in XX/XX/XXXX I received a letter saying that I was being sued for this debt but in XXXX, I read online that the credit card agreement and laws of XXXX applied to the account I even spoke with XXXX XXXX and they said the same thing. I wrote to the Law office and they sent me a letter saying that they couldn't pursue the case I than called them and spoke with them and they said the case was over. In XX/XX/XXXX they opened the case again and are trying again to the get the money for the zombie debt. I went to court and the judge kinda agreed with me about it, but wasn't 100 % sure I have to go back to the court again. The XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX is violating my rights. Statute of Limitations in XXXX is 3 yrs and XXXX is 10 yrs.
Product: Checking or savings account

Chase has frozen access to my funds in both my checking accounts and my savings account. I am unable to access my money in any way for about XXXX weeks and am now behind on bills. I have been to the branch twice with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I formally requested for XXXX/XXXX # XXXX to remove this fraudulent account wich is not mine and the result of Identity theft, i have provided then with all documentation of th illegality of the same account
Product: Consumer Loan

On XX/XX/XXXX I scheduled a payment online to Ally Bank. I had done one payment for XXXX and then scheduled another payment for XXXX at the same time because I was going to distribute the payment over XXXX different accounts. I went back in and edited the payment back to my original account after receiving my XXXX bonus. I tried logging on XX/XX/XXXX to check and make sure everything worked out and could not log into my account because Ally was updating their website and no one could access their account online nor were any representatives available from XX/XX/XXXX through XX/XX/XXXX because of the holiday. I finally got a representative on XX/XX/XXXX who gave me a reference number XXXX and said she saw that I did indeed make a payment. I also explained to her that Ally was reporting my payment as late and because of their error my credit protection monitoring sent me a message that my credit dropped XXXX points. She told me to call back on XXXX XXXX and give the ref. number and speak with a supervisor. I called back XX/XX/XXXX and was told to call back on XX/XX/XXXX they were still working on my case. Om XX/XX/XXXX I called back and the matter was resolved my payment schedule was update and Ally also reported this to the credit agencies. I made my next payment on XX/XX/XXXX and I also my XXXX free credit reports. I am a single mom who wants to buy a home, works full time and XXXX so I have been working very hard on building my credit. I saw that Ally had reported the payment I had called and resolved again as late. I put in a dispute through my free credit report agencies and uploaded the information that showed the resolving of my matter. In the mean time I had called back in hopes that I could resolve the matter with Ally and talking to a supervisor named XXXX who I told check my payment record I was told in the notes it said I paid on time and I also printed my payment list. She was very rude and told me there was nothing she could do. I checked my payment history after speaking with her and she had gone in and changed the history to make it look like the second half of my payment was late which I consider to be fraudulent. I am attaching the history on XX/XX/XXXX which reflected my on time payments made on XX/XX/XXXX. I am asking that my payments be corrected to reflect the correct payment history and that my credit be restored to what it reflected after XX/XX/XXXX. Thank you
Product: Credit card or prepaid card

I used my Chase IHG credit card on a recent trip to for two hotels to use as secure deposit. A few days after the trip, I noticed a charge of {$240.00} appeared on my card from an unrecognized merchant " XXXX XXXX XXXX XXXX XXXX ''. At first I thought it might be a DBA name of one of the hotels. So I called both hotels and they confirmed that charges from them would not appear as that name. 

I then contacted Chase to report the charge as an unauthorized charge, the charge was removed from my account, and I was issued a new card. However, about two weeks afterward, I received a call from Chase fraud department. The agent asked me a few questions ( why do you think this is an unauthorized charge ... etc ), and I explained the details again. He told me that they will continue to investigate, and that the charge will be rebilled on my account, but I won't have to pay it while they investigate. 

I received a letter from Chase fraud department a few days later. The letter states that because the charge is a " merchant dispute '', I'm responsible for the charge. 

I have tried to contact the fraud department to understand why is this a merchant dispute ( since I have no relation with any merchant called " XXXX XXXX XXXX XXXX XXXX '' ) using the phone number listed on the letter, as well as an email address provided by a Chase agent. However, I have yet received a response from Chase fraud department.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refuses to remove the address of XXXX XXXX XXXX XXXX XXXX, XXXX, wv XXXX from my account. I have never lived there. I have lived at XXXX XXXX XXXX, XXXX XXXX XXXX, fl XXXX since XX/XX/2013.
Product: Money transfer, virtual currency, or money service

On Thursday, XX/XX/XXXX, XXXX XXXX  XXXX, XXXX XXXX   XXXX wrote : Hi, Thanks for contacting us. Your XXXX account is currently restricted to cashing out any funds that are currently in your Cash Balance.

Our Account Services team does perform periodic reviews of restricted accounts. If we review your account and find reason to remove these restrictions, we will reach out to you to let you know. 

Thank you for your patience. 
Cash Support ref : XXXX : ref Mon, XX/XX/XXXX at XXXX XXXX  Hello, I reached out exactly 57 times about all those accounts because I couldn't cash out or be sent a card with the remaining money or receive any solution for how I can receive the funds for those accounts. I requested for XXXX  to contact you for a solution as I've been trying for 2 years. The preferably outcome being cashapp sending me a check of my remaining balances. 
Also I had used cash app for work in the past as I'm a contract worker, I wanted to continue using cash app but I dont know what rules were violated to deactivate my accounts repeatedly. 
Respectfully, XXXX XXXX Sent from my XXXX XXXX smartphone. 


-- -- -- -- Original message -- -- -- -- From : Cash App Support XXXX Date : XX/XX/XXXX XXXX XXXX  ( XXXX ) To : XXXX XXXX : RE : Someone Paid Me Hello XXXX, My name is XXXX. and I am a manager with Cash App. I'm reaching out about a XXXX XXXX XXXX complaint that you filed on XX/XX/XXXX. In reviewing your case history with us, I see that we previously assisted you with this issue on XX/XX/XXXX. For your convenience, I have included a summary of the resolution below : On XX/XX/XXXX, you reached out to Cash App about an account with a {$12.00} balance, explaining you were unable to add a bank, send funds, or Cash Out. This case did not have an update. 

On XX/XX/XXXX, you reached out to Cash App about a separate account with {$30.00} balance explaining you were unable to Cash Out. On XX/XX/XXXX a Cash App representative notified you that your Cash App account had been determined to be in violation of our Terms of Service and had been closed. You were advised that you could add a bank account, link a new debit/card, or re-link a previous card to Cash Out. 

On XX/XX/XXXX, your reached out regarding the account with {$30.00} in the balance, stating again that you were unable to Cash Out. A Cash App representative responded re-iterating the previous correspondence, stating your account was closed and the options around Cashing Out. 

I was unable to locate any other accounts with a balance or correspondence regarding them. 

I would like to re-affirm the information provided previously is correct. Your accounts have been closed as found in violation of our Terms of Service, and will not be reactivated. In order to Cash Out, you will need to link a bank account or bank-issued debit card which you have not used with Cash App before. 

I understand that this isn't the answer you were looking for and I appreciate your understanding. If you have any additional questions related to this issue, please respond to this email directly. I am happy to help. 


XXXX. 
XXXX XXXX ref : XXXX : ref
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I was a victim of a online scam. I was in search of a car part and had posted a want to buy. A random guy reached out to me and said to email his buddy that he has the part I need. I did after some communication via email and text I sent him {$500.00} via Zelle XXXX and he disappeared. I immediately filed a fraud claim with XXXX its been over a month and the bank has no updates no provisional credit, nothing. I call once a week and get a run around. Finally called one last time today and they told me that sorry we wont be able to get you your money back because you paid with Zelle.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a complaint against Equifax for failing to comply with my rights under the Fair Credit Reporting Act. I have sent multiple letters disputing inaccuracies on my credit report, yet Equifax has not fulfilled its obligations as outlined in 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). Despite multiple written disputes regarding inaccuracies on my credit report, Equifax has refused to conduct proper investigations or correct the errors as mandated by law. 

In XX/XX/XXXX and XX/XX/XXXX, I sent dispute letters to Equifax regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I provided detailed evidence supporting my disputes, yet Equifax either failed to respond adequately or continued reporting incorrect information. This failure has caused harm to my credit score, impacting my ability to secure credit. 

Furthermore, I would like to draw attention to the recent CFPB order for Equifax to pay a {$15.00} XXXX penalty for improper investigations of credit reporting errors, as this reinforces my belief that they are not adhering to the law. 


Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help
Product: Debt collection

I get repeated calls from several numbers and have been trying to track who exactly is trying to collect a debt. Apparently they say the company 's name is ZFN & Associates. They say to call XXXX back on the voicemail but a XXXX is on the caller ID. Finally, this morning XX/XX/2021 at XXXX XXXX  I call them back to get the name of the company, of course, they talk extremely fast and I politely asked for whoever answered the phone to spell the company name. He was EXTREMELY RUDE and hung up on me. After researching ZFN & Associates I see they are connected with XXXX XXXX XXXX XXXX XXXX. 

I never confirmed whether I was who they were looking for. I wanted to send them a cease communication letter because I do not want them to call my phone number or anyone associated with me EVER again over the phone. I rather this company communicate with me through the mail, but after today I do not want any communication because they are rude and I will not do business with anyone or a company that doesn't know how to properly communicate with people. I do not acknowledge whether or not the debt they are collecting is mine, or not. But they need to be shut down. It's absurd and they should have another line of business.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of receipt. I HAVE ATTACHED MY FTC TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTIC FROM TRANSUNION
Product: Payday loan, title loan, or personal loan

On approval of my XXXX loan I called SoFi to change my autopay date. Their customer service told me I needed to make one payment before I was allowed to change It and that I was only able to either have the Autopay date of the XX/XX/XXXX or XX/XX/XXXX..  My payment was made on XX/XX/XXXX and i proceed to change the date of the my new autopay. I successfully changed it to the XX/XX/XXXX and only afterwards did I realize when I logged in again that I was being forced to make two payments in XX/XX/XXXX. I called the company and spoke to a supervisor XXXX who told me that there was nothing I could do about this and I would be responsible for making two payments because I had changed my autopay date. If I had been told that this was in fact the case either online or via the three calls I made to their customer support I never would have put myself in financial peril by doing that. At this point I am being forced to pay twice for something that I was never notified about the repercussions of doing this even after having spoken to more than two agents. I feel ripped Off and so upset at what has happened to me. This is unfair practice and should be illegal.
Product: Debt collection

I moved out of XXXX XXXX XXXX  in XXXX, XXXX I gave 2 months notice provided my new address. The end  of my lease was XX/XX/2021. I moved out XX/XX/2021. 

Started getting calls XX/XX/2021 from XXXX XX/XX/2021 XXXX did not answer, missed call XXXX I did not answer call, at work 2 seconds  XXXX XXXX kept saying hello, no one answered hung up after 47 seconds XXXX XXXX women asked for XXXX, said that my number was the number she always contacted her at. told her I had, had the number for 15 years. She asked me if I knew XXXX. I said no and said I did not live in XXXX anymore. 

XXXX 2 min talked to debt collector person, said I owed a {$54.00} utility bill from XXXX XXXX XXXX XXXX I told her I had not recieved a bill ... she told me I had to pay now, I told her she sounded like a scammer. To quit calling me and that I had never received a bill. Told her to XXXX XXXX and hung up. I had drank 1 beer and was tired. 

XXXX I called back got the answering system. IQ Data. 

Received a call XX/XX/2021 at XXXX XXXX from IQ Data a 3rd party collections agency. 

Asked why she was spoofing an XXXX phone number. Asked her where she was actually calling me from .She finally said Washington state. 

Asked when the debt went delinquent, why I had not received a bill. 
XXXX said she did not have to tell me anything. 
Yelled at me that my move out date was XX/XX/2021 so therefore my debt was delinquent. Didn't I give them a forwarding address to send the bill to? I said obviously I had since in both calls she sited my new address ( XXXX XXXX XXXX, XXXX, XXXX XXXX I asked when the due date was. She went back to my move out date. 
Told her I had not received a bill. 
I told her I had email the complex to find out what was going on. She told me they would not help me since I owed them money. 
She would not tell me details. Threated to ruin my credit Told her not to call me again, they could send me the information via USPS. I asked her to quit calling me several times, the last pointing out the law. Finally hung up on her. 

I felt threatened, I have a very good credit score and this is feeling more like a scam. 
XXXX XXXX nor XXXX XXXX XXXX XXXX have not replied to my email request. They normally did not when I lived there. 

I would love to turn them and XXXX XXXX holding into the XXXX XXXX XXXX but both are in different states.