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

I have a CD with Bank of America since last year CD. It had a maturity date of XX/XX/XXXX. I started calling the bank on XX/XX/XXXX since then I've made XXXX subsequent phone calls to have my CD release. For the last two weeks the situation has been escalated to the CD escalation line of Bank of America every time they kept saying it's going to be released. It's been two weeks, I spoken to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX all managers and all have told me it would be released. Today is XX/XX/XXXX one month later and the CD has still not been released this has been an absurd situation with Bank of America. I have been banking with Bank of America for 32 years and I've never ever seen this issue. I am so frustrated that I'm about to pull my account that's why I'm filing a complaint. Im filing another one with the United states Federal Reserve. PLEASE HELP THIS SITUATION IN UNEXCEPTABLE At times it feels like the bank is going insolvency they just don't respond.
Product: Checking or savings account

Capital One has not released my payroll direct deposit as scheduled this Thursday, XX/XX/year>. They said it would be rectified by the end of day XX/XX/XXXX, but today, Friday, XX/XX/year>, at XXXX  EST, no funds are available from my paycheck direct deposit.
Product: Debt collection

Please refer to previous complaint # XXXX with Capital Accounts, in which they agreed they could not validate the debt from the original Creditor, and closed out the account. On XX/XX/2020, they simply opened up a new account, and state that I now owe {$9000.00} to the same creditor ( although it is phrased slightly different XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. Just as before, they will not be able to validate this debt, and although I will be forced to submit another dispute in which they will most likely ignore once again, they will undoubtedly submit the collections to all three credit agencies ( once again XXXX, and I will be once again dragged through an extremely painful and draining process. I can't begin to express the damage this has done to our family, both emotionally and fiscally, and we now seek resolution above and beyond a simple cancellation letter. We now wish to sue Capital Accounts for their unethical behavior and damages done to our personal well being.
Product: Student loan

I was instructed at the time of signing that if I paid the minimum, which at the time of signing was {$100.00} a month, I would pay off the loan in 10 years. I started to pay off the loan in XX/XX/2004 and I am still paying, but the minimum payments have gone down over the years while I have still payed {$100.00} per month till two months ago.
Product: Vehicle loan or lease

Dear Capital One Auto, PLEASE LISTEN TO ME. 
On XX/XX/21 I purchased a vehicle online through XX/XX/XXXX It has been nearly two months now and XX/XX/XXXX still can not get the paperwork together to register the vehicle or show a title for the vehicle. First they claimed they were " missing insurance '', I sent it again. Then they claimed they were " missing '' the limited power of attorney paperwork, I signed and sent it again. Now, 2 weeks later, they are " missing '' the limited power of attorney paperwork AGAIN and told me they could not process registering the vehicle because there was a name error on the paperwork, compared to my driver 's license. 
I asked the representative where's the title, I was told XXXX still have not located the vehicle 's title and I am starting to believe all of these " errors and missing documents '' are just a way for them to buy time. 

As a lienholder, you should not fund a deal and have not received the title almost two months after a car deal. I am warning you that this deal is bad and XX/XX/XXXX has thousands of 1-star reviews of them selling vehicles with missing titles and vehicles reported as stolen! 

My temp tag expires next week and I will no longer be able to legally drive this vehicle!!! I have already made my first on-time payment on this vehicle and it's not registered to me, nor do you have the title. 

May Capital One PLEASE give me a manual approval to go purchase another vehicle from a local dealership? I tried applying for Capital One Auto XXXX a few days ago, but the application quickly got denied ( i'm assuming because I just opened a Capital One Auto account ). 

XXXX you PLEASE give me a Capital One XXXX XXXX approval for the same amount and rate as this deal, so I can go find another vehicle at a BETTER and LOCAL dealership. I AM BEGGING!!!!! Once I get the Capital One XXXX XXXX approval and purchase another vehicle, XXXX can take this car back and Capital One unfund this horrible deal. I have 8 days to find another vehicle. PLEASE HELP. 

Contact me here : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I called this company on or aboutXX/XX/2018, spoke to XXXX ext. XXXX and requested an itemized statement. I did not receive what I asked for. Then I called back on XX/XX/XXXX, XX/XX/XXXX. On XX/XX/XXXX I spoke to operator XXXX she was very rude requested to speak with a supervisor, I was placed on hold then transferred to a voice mailbox that kept requesting for a password. I have been trying to verify weather these accounts are mine. I am still awaiting on a response because I am not going to pay for something that's doesn't belong to me. I have attached a copy of the letter they sent me, as you can tell this is not an ITEMIZED copy.
Product: Payday loan, title loan, personal loan, or advance loan

Says loan was taken out XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00}. XXXX. Ref XXXX. Online loan never received.
Product: Credit reporting or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I noticed multiple U.S. Department of Education loans on my credit report that were opened/ originated in XX/XX/XXXX. These accounts are not mine. I have not been enrolled in school since XXXX, I did not enroll in any schools nor have I accepted or signed any legal documents accepting ownership to any student loans. I disputed them through the 3 main credit bureaus and was informed that the information was accurate. I recently attempted to apply for college and while applying, the application came back with prefilled information attached to my SSN including an address Ive never lived at in XXXX, WA and a high school in XXXX Washington. I am concerned I have been a victim of identity theft and my disputes were not properly investigated. I have photos of the random information that popped up on my school application.
Product: Credit reporting or other personal consumer reports

I discovered some unauthorized inquiries on my credit report this morning, and I have no idea how they got there. I regularly check my credit report, but this time there were unexpected discrepancies. I even refreshed my browser to make sure it wasnt a glitch, but the inquiries remained. I am extremely frustrated by this and request that the documents I've sent be carefully reviewed to resolve this once and for all so I don't have to deal with this again.
Product: Debt collection

My name is XXXX XXXX. I just received an attempt to collect a debt from American Express. I have never authorized this debt with American Express and I have never received any type of communication related to this fraudulent account as well. Therefore, I am filing this complaint to get further assistance from the Consumer Financial Protection Bureau. I hope the matter can be amicably settled.
Product: Credit reporting or other personal consumer reports

The following account is reporting in an inappropriate manner.The account is showing a payments history reflecting a continued charge off after this account was closed on XX/XX/year>. This situation is detrimental for me and my family. 

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

XXXX and Transunion are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX XXXX XXXX partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) I have already called them and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Credit card or prepaid card

Cash app scammer said XXXX send me money and I gave him my information and he threat to use my ssn for a loan
Product: Bank account or service

Savings account at Synchrony was LOCKED due to invalid password. 

Synchrony after 2 horus of repeated calls COULD NOT unlock account due to internal Synchrony security procedures. 

1. I have NO mobile phone which Synchrony REQUIRES to get a text message. 
2. I have NO internet at home so can not request CALL of code and be near home phone. 
3. When requesting CALL it goes to recorder where Synchrony will NOT leave code. 

Thus a {$300000.00} accoutn can not be accessed due to incompetent Synchrony security procedures and manager said no other ooptions. 

As I tarvel world-wide I can not call from multiple countries if account gets LOCKED due to password issues. 

very sad and incompetently manged banking institution to implement such incompetent security procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account i have been disputing with XXXX  is the account BPPR - Banco Popular de Puerto Rico Mortgage. The information is wrong because in the report the say last payment received was XX/XX/XXXX and in the history they said that no payment was made First dispute XX/XX/XXXX Second XX/XX/XXXX Third XX/XX/XXXX XXXX. XX/XX/XXXX Still this situation hasnt been resolved when is a clear mistake in my report just by looking at it. All other companies had eliminated this from my report except XXXX
Product: Prepaid card

My uncle bought me an American Express gift card for my birthday, it contained {$100.00}. After just a day, I did make a purchase in the card in XXXX. I used {$54.00} in the card, FYI I made this purchase like the same day I got the card. But after a few days of deciding to order for the second time, when I was about to checkout and place my order, the app said the payment can not be processed. I checked the credit balance on my account, ( which I only placed the giftcard, I don't have a credit card registered in ) I didn't have any money left, only {$0.00}. I swear I only purchased one time and the second order I was about to place is {$41.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to XXXX, Experian and XXXX. I got a response stating that this item was verified. I submitted another dispute letter stating the reasons why this account should not be reported on my credit report and to remove it immediately. I received a deletion for this account on XX/XX/XXXX. This account was permanently deleted off of my credit report. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, XXXX XXXX XXXX from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  known as XXXX XXXX  wasnt opened or authorized by me. Please remove! Report attached!
Product: Credit card or prepaid card

I am writing this comment on behalf of my mother who is seeking service from Chase Bank. Her husband passed away in early XXXX, 2021. Since his Chase credit card is frozen, she needs to apply for a new credit card to pay her bills. Chase Bank sent a letter to her on XX/XX/2021, with a direction for her to contact the credit reporting agency, XXXX XXXX, to allow Chase Bank to access her credit report. Then, call Chase Bank once she contacted XXXX XXXX within 14 days of the date of this letter. 
On XX/XX/2021, after XXXX XXXX was contacted, I help her to contact Chase Bank via the phone number and reference number provided on the letter because of the language barrier as she speaks XXXX. It was about XXXX XXXX. We made 3 attempts over an hour of our time but failed to talk to a representative with the direction prescribed by Chase. This phone line has no language option, only in English. They put us on a long hold uninformed. Another representative left us on hold for 35 minutes insisted to find a XXXX-speaking representative without even asking my mother which XXXX language she speaks ( XXXX ). 
The lack of Chase Bank representatives to assist customers because of a language barrier failed to provide a fair opportunity of credit card application to my mother. It is absolutely unacceptable from a big bank like Chase. Additionally, they misspelled her first name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to remove this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please delete these immediately : 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: Mortgage

Ocwen Loan Servicing is showing on my credit report that I owe {$55000.00} on a mortgage that was discharged in a charged in XXXX XXXX bankruptcy on XXXX XXXX, 2013. I have attached my credit report, the Bankruptcy Trustee 's Report of Receipts and Disbursements, a letter showing that I completed all of my bankruptcy payments, XXXX from the bankruptcy filing showing that Ocwen was included in the bankruptcy and the letter from the bankruptcy court showing that my bankruptcy was discharged and my plan was completed.
Product: Credit reporting or other personal consumer reports

On email received, date XX/XX/XXXX XXXX AM. Experian stated my XXXX XXXX dropped which prompted me to log in to my Experian account. Upon logging in I saw that my account freeze I had engaged due toXX/XX/XXXXXXXX. XXXX had a breach. I initiated the freeze on XX/XX/XXXX and it was removed XX/XX/XXXX by Experian with out my permission or notification to or from either party. While still logged in I again initiated the freeze. XXXX and I contacted Experian XX/XX/XXXX, spoke to XXXX XXXX, who could not explain or give me a just cause that this occurred. I made sure it was in fact froze as I had again requested on XX/XX/XXXX while I was logged into my Experian account. XXXX said it was in place as froze and apologized but could not explain why it was removed and offered my it was a system error. This leads me to question Experian 's integrity or protection of my account/credit/reporting. For XXXX months they had my account unfroze with out notifying me, and with out my permission. I want a reason and remedy so this does not happen or continue to happen. It is assumed they are doing their job accurately, the American people do not log in to keep checking. I pay my bills and debt on time and in good standing- I have no reason to doubt my accounts or accounts integrity to keep checking. Also, they show my mortgage transferred and it remains with the same mortgage holder. The servicer that was only servicing not holding note to mortgage was ended and no longer servicing, but XXXX XXXX still holds the mortgage and payments. They do not understand and asked I do all contacting to straighten this out for them and to understand. I do XXXX XXXX XXXX only a servicer for XXXX XXXX XXXX not the note or mortgage holder. XXXX XXXX is holding the credit and still has my note/mortgage, that has not ended or transferred or changed I have always had payment go to them for my mortgage. However according to Experian I no longer have a mortgage. My XXXX XXXX has dropped and after XXXX minutes on the phone with XXXX separate XXXX 's this day, XX/XX/XXXX with Experian I have to no resolve, answers, or understanding with what they are doing or business practice they exercise.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove all fraudulent accounts as i have no knowledge of them. due to the Equifax data/identity theft breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over
Product: Credit reporting, credit repair services, or other personal consumer reports

Denied employment because of inaccurate background check records
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INFORMATION SHOWED UP ON 3 OF MY CREDIT REPORT FROM XXXX XXXX   AND I WAS ABLE TO MOVE FROM XXXX like around XX/XX/XXXX AND AFTER SEVERAL MONTHS I TRIED TO WORK EXPERIAN IN XX/XX/XXXX AND I ASKED TO FILE A DISPUTE AND I WAS GIVEN A REPORT FROM experian and THEY SAID THEY IN COTRACT WITH XXXX XXXX AND THEY SAID IT WAS MINES. SO ON XX/XX/XXXX AT XXXX XXXX I CALLED THERE OFFICE AT XXXX AND THE ACCOUNT # XXXX AND I WAS TOLD IT WAS FROM XXXX XXXX OF XXXX IN FLORIDA AND I TOLD ITS NOT MY AMOUNT I HAVE NOT HAD DENTAL WORK IN FLORIDA AT ALL. IN XX/XX/XXXX MY DAUGHTER XXXX XXXX XXXX XXXX XXXX IN XXXX, N.Y. AND FROM XX/XX/XXXX UNTIL XX/XX/XXXX I WAS TRAVELING FROM XXXX, N.Y. TO FAMILY COURT IN XXXX, N.Y. SO I WAS HOME TRYING TO FIX THESE HARD TIMES. AND I SAID TO THEM THE ONLY FROM IN XXXX, FL. IS MY WHO IS XXXX YEARS OLD AND MY SISTER WHO WATCHING OVER. I KNOW AFTER THING BACK I REMEMBER MY WHO IS XXXX XXXX XXXX WHO LIVES IN THAT AREA WHO TOOK MY XXXX XXXX I.D . IN XX/XX/XXXX WHEN I WAS IN XXXX, N. Y. SO THE DEPT. OF SOCIAL SERVICE TOLD I WAS RECIVING XXXX XXXX IN FLORIDA AND I SAID NO AND I HAD TO THEM HIS NAME AND ADDRESS AND I WAS CLEARED OF ALL CHARGES! SO I TRIED TO EXPLAIN THIS XXXX XXXX THEY COULDN'T HELP ME CAUSE THEY ONLY COLLECT MONEY. SO I SAID I CAN'T PAID SOMETHING I DON'T OWE AND I DON'T KNOW ANYTHING ABOUT THOSE CHARGES AND WANTED TO PAY THEM FIRST AND THEN DO IDENTITY THEFT OR HE ME TO GO TO THE POLICE DEPARTMENT BUT, I LIVE IN XXXX AND NOT XXXX, FLA. AND THE INFORMATION ON MY CREDIT REPORT IS DIFFERENT FROM WHAT THEM TOLD ME THE AMOUNT IS {$420.00} DATE STARTED ON XX/XX/XXXX AND IN REPORT IT'S {$470.00} AND STARTED ON XX/XX/XXXX! PLEASE HELP ME I AM TRYING TO FIX THESE ITEMS IT'S HARD GET HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a XXXX XXXX XXXX XXXX, card holder. 
I was suppose to receive cash back for my gas purchases. 
I was not receiving it. 
I Contacted XXXX. 
After several months of being reassured that the issue would be taken care of and being sent to different chase employees I was told that because the card was n't actually going in the fuel pump machine and the company I was purchasing the fuel from was charging once a week that chase would not being giving me my percentage on fuel purchases although it clearly stated the company as being an oil company. I felt as though XXXX owed me money and they were refusing to pay me so I refused to pay them. 
XXXX started calling me trying to receive payment and it might have even be an outside agency that was calling me. After receiving threats on these calls I decided to contact a law firm that I found on the internet. ( XXXX XXXX XXXX ) This firm supposedly started dealing with XXXX but it was a long process and I eventually quit dealing with the firm because I felt they were just draining me for money. Today I contacted XXXX to try and receive information and maybe workout a resolution. I asked to speak to a manager and when I got to him I was told that he could not give me any information on the account because a lawyer was listed on the account information. 
I was recently told by someone that checked my credit report that XXXX had reported in XXXX a charge off. 
I also remember receiving a XXXX from XXXX that I sent to the lawyer regarding the charge off debt.
Product: Credit reporting 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 XXXX XXXX XXXX. 

Account Name : XXXXA Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXccount Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 instructions 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 years.
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.
Product: Credit card or prepaid card

Synchrony bank has never contacted me requesting any information for review in this case. One of their letters states that they mailed me a letter requesting information, but I never received the letter, the letter was to be resent out, I never received that letter either. When I was finally able to send information in through this process the information wasn't used ... they used the result of a previous review where my signature was forged. Didn't take into consideration that the wrong part was ordered that didn't fit my vehicle, that the owner of the XXXX lied in his response and I showed proof that he lied. Now I have receipts that show where XXXX got the parts from and the date they received them ( which is after the date the owner states they were installed in my car ). I also have a receipt that shows when XXXX RETURNED the parts to the dealer for a full refund. Way to do your research Synchrony! I will use a credit card company that looks out for it's customers in the future. I will be canceling all of my Synchrony credit cards ( Care credit, JCPenney, XXXX, SteinMart TJMaxx