23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have requested on multiple occasions the removal of the following addresses and Experian is giving me the run around. The most recent request was on XX/XX/year>. 
I requested the removal of XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX They updated the address to XXXX XXXX XX/XX/XXXXXXXX, XXXXXX/XX/XXXXXXXX. Both are non existing addresses. I have never lived at either address. Furthermore I requested the removal of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX which they updated to XXXX XXXXXX/XX/XXXX XXXX, XXXX XX/XX/XXXXXXXX. Lastly I requested the removal of XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX and they updated to XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX If you notice here they'll remove the address and change it to a variation to an address that they removed. I do not understand why they will not just remove the address all together. As I've stated before, I have never lived at this address. This is a nuisance!
Product: Checking or savings account

Cash App closed my bank account and refused to release my funds or give me a cashiers check for the funds in my account. They are holding my money and want me to only withdraw a limited amount of money per week. I am no longer a customer of theirs and they do not have the right to hold my funds after they chose to end relationship with me. They are using my money charging interest to people they lend to and I am not retaining any benefit. They are holding my funds hostage. I am losing money because I can not reinvest my funds.
Product: Credit card or prepaid card

I ordered a pair of shoes on XXXXXXXX back in XX/XX/XXXX for XXXX. Was sent a pair of shoes on XX/XX/XXXX that were supposed to be shipped to someone in Texas instead, when I live in New York. I called customer service to send a replacement for my order and the correct shoe shipped in on XX/XX/XXXX. I returned the shoe through mail on XX/XX/XXXX that cost XXXX  since it did not fit, but never received the refund. Contacted Bloomingdale 's customer service through email and phone multiple times with responses on their end saying they received the product back, but no one was able to credit the money back onto my credit card. Disputed the charge with Citibank for the amount of XXXX  on XX/XX/XXXX since Bloomingdale 's was not crediting me back. Citibank contacted the merchant XX/XX/XXXX and Macy 's responded to the dispute on XX/XX/XXXX saying " We are providing an online order and pod. The customer reported the original delivery as not received. A reshipment was processed. The reshipped merchandise was delivered on XX/XX/XXXX at XXXX by XXXX  and received by XX. The customer received the merchandise as an even exchange and was only charged once. No credit is due. '' I returned the item through mail back on XX/XX/XXXX with a traceable tracking number back to Bloomingdale 's saying it arrived at their facility XX/XX/XXXX, but they are not addressing the fact they received the item back. On XX/XX/XXXX Citibank concluded that I am responsible. I emailed documents on XX/XX/XXXX and XX/XX/XXXX to Citibank 's dispute email address including information from Bloomingdale 's website and emails where I contacted Bloomingdale 's customer service stating they received the item. After submitting the document, Citibank reopened the case on XX/XX/XXXX. On XX/XX/XXXX, Citibank sent a letter to me stating " We previously requested necessary information from you concerning this dispute. We did not receive a valid proof of returned confirmation email from the merchant. As a result, we have completed our investigation based on the information available. Please contact the merchant directly if you wish to pursue this matter further. We now consider this investigation complete. '' Citibank is unwilling to handle this case and told me to contact the merchant instead again. The merchant is not providing proof of my return because they are stealing money from me and Citibank is siding with the merchant to commit fraud together. I tried contacting Citibank 's dispute center through phone calls, but my call was cut off every single time. An agent says they will transfer my call, then the call ends immediately afterwards. Citibank does not want people sending photographs or smartphone pictures as proof, but yet they are pushing everything to become accessible through their mobile app. They are using every method possible to push the blame to the customer instead.
Product: Mortgage

In addition to my first complaint I wish to add this information. On XXXX/XXXX/15, after supplying Contour Mortgage with the last of the requested documents, which was an updated bank statement and gift letter. Contour Mortgage informed my loan officer, XXXX XXXX there was more documents and inspections that needed to be done. Well I also found out that XXXX XXXX was not XXXX certified. In my state of aggravation Contour Mortgage I proceeded to make phone calls my way from XXXX XXXX to XXXX XXXX then finally, XXXX XXXX XXXX. After speaking with XXXX, who said he was the person in charge of XXXX and the underwriter XXXX XXXX ), he made it perfectly clear that my loan was locked in and he would go over my loan file to make sure it was processed expeditiously, because I had advised him of the XXXX XXXX 2 ) extensions that had already been made with the seller and we were now going into the third extension with the seller ( HUD XXXX and there would be added expenses relating to this extension. On Monday, XXXX/XXXX/15, I called XXXX to find out how things were moving along and he said he would get back to me by the days end, which he did not, but I did receive an email from Contour Mortgage through XXXX XXXX. In this email there was a PDF attachment which states the new and " XXXX '' Conditions ( Prior to Approval XXXX. In the conditions it said I, ( the buyer ) needed to provide contractor estimates for Lead based paint, electrical, and HVAC system. These estimates have been provided and there is a lead disclosure and credit for work to be done. Also, the utilities can not be turned on to provide an inspection, because the repairs have to be done first, which there is an estimate that was provided as well. Contour Mortgage is also asking that the new estimates they want, MUST come from contractors that hold a valid license and XXXX policy and have Contractor Identity of Interest Certification etc, etc, etc. So, the requested documents I needed to provide went from XXXX to XXXX in a matter of a couple days. I am able to provide a PDF copy of the final demands that Contour Mortgage is requesting. All the information they are asking for was information they had in hand at the beginning phase of this loan application. I am upset they have me jumping through hoops that seem to never end. I can not seem to satisfy the underwriters requests. I have read others reports on the XXXX web site and found there have been others who are dissatisfied with Contour Mortgage Company. My realtor and I have been transparent through this process, but when we ask questions and demand answers, Contour Mortgage employees never answer, never return emails or phone calls or simply put, do n't have the answers, other than a XXXX loan has many steps.
Product: Bank account or service

We bought a certificate of deposit in the amount of {$250000.00} from www.eloan.com and instructed them to send the interest each month to our local bank. The first payment for the period ending XXXX/XXXX/2015 was added to our account with them.They now say that they can not send that interest payment to our local bank.
Product: Checking or savings account

XXXX On XX/XX/2023, I opened a checking account with Truist which had a promotional bonus of {$300.00}. The term on the advertisement was that I needed to have a direct deposit total of XXXX XXXX/month. 
I satisfied the term. 
However, I was denied the bonus. 
On XX/XX/2023, I reached out to Truist customer service and was told that I needed to wait after the Q3 promotion ending date on XX/XX/2023. 
After which, their bank would do a review of my account. 
On XX/XX/2023, I reached out again to Truist online customer service since I still havent received my bonus. They told me to continue to wait Oh XX/XX/2023, I went to a Truist branch. The banker helped me talk to the promotion customer service, which they now informed I would not receive the bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and recognized these hard inquries I did not approve or recognized. 

XXXX Inquiry from XX/XX/2018 Inquiry from XX/XX/2018 Institution Information XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several complaints against the company and they continue to ask for the same information. In there response of XX/XX/2020 they write they have received my drivers license however need a copy of my Social Security Card. The social security card as well as my drivers license were both mailed in the same envelope via certified email. A number XXXX XXXX XXXX was provided for my custodial parent XXXX XXXX XXXX XXXX to call if there was any further question. On XX/XX/2020 XXXX contacted the number and was advised there would be a delay due to COVID 19 AND SHORTAGE OF STAFF ( UNDERSTANDABLE ). After a 15 minute wait he spoke to XXXX of customer relations who transferred him to another number which he was on hold in access of an hour before he hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute these inquiries : XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019. These actions were initiated without my consent to the following companies. These inquiries are not factual since I never authorized them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went online to signed up to view my credit report and i noticed there's alot of accounts on their that i didn't authorized, Also there's a list of address that's incorrect. 

Fraudulent Accounts on Report XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX listed twice on report XXXX XXXX XXXXXXXX XXXX  listed twice on report 7.XXXX 8.XXXXn Inquiry 9.XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX 11.XXXXXXXX XXXXXXXX 12.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Address on Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$160.00} INQUIRIES : XXXX XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I took advantage of a balance transfer offer with Barclay 's bank credit card. Shortly after requesting the transfer I noticed one of the receiving bank 's account number was wrong. I requested they stop or reverse the transaction, or make the transfer to the correct account number. It took a week to get someone on the phone to report the issue, although I used their " secure message center '' that seems to provide only canned responses. They continually said it would be escalated to the correct department with a resolution, first in 1 week, then it would be 2 weeks, then it would be a month. After 2 weeks, though, they tried to close the complaint and said it could not be re-opened, but would have to file a new complaint. After following up, they advised the matter was closed! It then was re-opened only this time for yet another 30 days. Within this interim and after more than a month, Barclay 's agreed to temporarily credit the account during investigation. They were uncooperative and seemed to want to wash their hands of what they consider a completed transaction. After almost 3 months and no resolution, I contacted the Delaware Banking Commissioner ( DBC ). The result was Barclay 's  contact the other credit card bank to verify the transfer. Barclay 's was told by the receiving bank that the account number was " a '' valid account, but did not verify it wasn't mine ( so now someone else has had a transfer credit to their card with my funds ). The DBC shared with me their reply, provided me with the transaction numbers used for Barclay 's transfer to the other bank. I also was told that I should give this to the receiving bank so they can located the funds. Barclay 's again, washed their hands of the issue, posted the funds back to my account lowering my available credit, increasing what I owe and finance charges, and now reports to the credit bureau an incorrect usage of my card that has a negative affect to my credit score. Upon contacting the other bank, the other bank could not find any transaction of this amount on or about the respective dates, but they said they would look into it. Next, a series of requests from the other bank ( XXXX, where I have 3 accounts and best they verified was none of my accounts received the funds ) for more information from me including the erroneous account number that I do not have nor could obtain from Barclay 's, and proof of payment by Barclay 's that they won't supply. I am at a loss. Further details with conversation logs are in my attachment. Over the years, I was licensed under various state Department of Financial Regulations and have never seen something so incompetent or treated with such disinterest and lack of customer service.
Product: Checking or savings account

On XX/XX/XXXX there was an unauthorized charge of {$2900.00} on my debit card. I filed a dispute with the bank, had to continually follow up with them in order to get any feedback, and then was told that they were closing my dispute because they werent sure how to charge back to the vendor. I responded and told her she had to simply state that I didnt authorize this transaction. I then also asked for them to provide me a copy of the transaction to see who signed it- they couldnt. Initially the dispute was to be reopened when I gave them a reason to charge back- however it would not show open in my checking account online ledger in order to do redisoutw. Today I was told they closed the dispute and I cant re submit a dispute. I would like to know how they investigated this manner when I did not sign any receipt nor even authorize this transaction! They took nearly {$3000.00} from me that I need in order to provide for my daughters back to school items and other necessities. Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XXXX   XXXX   XXXX     I went to  XXXX   XXXX   XXXX  in  XXXX , LA seeking to purchase a vehicle. I asked the sales rep to identify the lenders they use. He stated  XXXX   XXXX  and  XXXX . I explained to him that I am working on improving my credit score and I have accounts with   XXXX   XXXX   and I only want him to try to get financed through   XXXX   XXXX   or  XXXX  and if those  two  companies did n't approve the loan to not run my credit again. I repeated this several times before he went to the finance  manager. I w as told they could not get in touch with   XXXX   XXXX   and they would let me know once they received any information. The next day I received  7 a lerts for credit inquiries. I called Equifax to dispute this to no avail. I immediately called the sales rep and the finance  manager  because I specifically told the sales rep to only submit my report twice. The sales manager stated by law he was required to run my report as many times he needed in order to get approval. I told him he had no right to do so and I felt violated. Needless to say my credit score dropped tremendously.
Product: Consumer Loan

I am complaining about XXXX accounts that I have with Wells Fargo. They have them listed as a charge off. I do not have the last XXXX numbers due to the age of the loans. The first is XXXX and the second is XXXX. I have tried for years to pay on these accounts and each time I try I am told that these accounts are sold and they supply me with the name of the buyer and the phone number. I call the number and they say that these accounts have been closed and to call Wells to ask any questions. Nobody will let me pay on them and nobody will let me settle on them. They just keep calling me late month after month. I have tried for years to pay or settle and nobody will let me. I recently wrote another dispute and attached is the response. I am not disputing the amounts even though there was clearly charges that should not have been on the accounts. I am disputing that these accounts should not be called late when they are closed. I am disputing these accounts that they are calling them late and will not let me pay on them. I am disputing these accounts because they say they are a charge off and still calling me late. I have disputed with them many times in the past. I never get a reason and they only say that the info is accurate. No it IS NOT!!!!! It is a crime to call someone late when the account is closed. It is a crime to report someone late when you do not accept a payment. I also want to make a formal complaint. I have been told by an employee that is in management at Wells Fargo, that Wells has reached out to all the local banks in XXXX and told them not to lend to me. If I do stop in a bank for money that Wells is to be contacted. I have this from an iron clad source and I want action now. Black balling is against the law and if this is not corrected, I will file suit and sue for as much money as humanely possible. This bank has mad a personal vendetta to black ball me and hurt mine and my wifes name and I am done tolerating it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus to remove incorrect name, addresses, phone and to correct date of birth with no success. Some of these are connected to an ex-spouse that was not on any accounts with. There are also names and address that I have never used that are on my credit reports. My name changed in XXXX and I still can't get them to update it correctly. All of my creditors have the correct information on file and say they report it correctly. I have provided proof of my personal information with no success. This has been done several times in the past but the most recent was XX/XX/XXXX. 

The following should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX IL 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

Experian will not give me a credit score. I clearly have a lengthy credit history. I have addressed this with them and have not received a response. Because of them not scoring me I have been denied credit. I was even denied credit to try to buy the home I was living in and because of no score I was not able to even get help for people with poor credit. It has rendered me and my daughter homeless. It continues to be an issue most times I apply for credit because I get denied for lack of score. Which has made it still difficult to find housing. I am still homeless and creditless.
Product: Mortgage

BANK OF AMERICALOAN # XXXX XXXX INVESTOR ESCALATION NUMBER # HomePath Inquiry : Case # XXXXPROPERTY ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX XXXX : To whom it may concern : On XXXX of 2015, my title company submitted a short sale to Bank of America, ever since then it has been nothing than a nightmare ; if it was n't for the persistence of the negotiator from the title company, my home would have been foreclosed. Bank of America made mistake after mistake, finally we received a short sale approval on XXXX/XXXX/15, the Title company 's negotiator sent the approval to the buyer as the XXXX XXXX requires a copy in order to process his Condo approval application, this was on XXXX/XXXX/2015. 
The file was transferred to closing to order estoppels from the condo HOA. and the approval expires on XXXX. 
The title company 's negotiator received a call at:XXXX from XXXX XXXX XXXX arepresentative from BOA XXXX stating XXXX the investor, was selling the servicing rights of the loan to XXXX XXXX XXXX XXXX/XXXX/2015 and that we MUST close by then, otherwise we needed to deal with XXXX XXXX and start all over from the beginning. 
I am in tears, I am a single mother with XXXX elderly parents and a small child, we applied to an apartment on XXXX, when we received the short sale approval from the bank. 
This is not a fair resolution from these financials institutions, to tell us get up and leave or you lose the short sale, is less than 7 days, there is a {$10000.00} deposit from the buyer on the unit, the buyer can not close until they are approved by the Association otherwise the transfer of title is not legally completed. 
I am asking your agency to intercede on our behalf, the title agent has disclose you have strict regulations on time frames as to before the submission of a Loss Mitigation options as well as time frames after approval has been issued. 
How can they just go up and sell the loan to a servicer than according to my agent is known to foreclosed on the properties and not honor approvals. 
I do not know what to do, we fought so much to move this forward, now they want to take this away, is time these institutions get fined for taking advantage of consumers.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX