23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has a Charged of Account appered as New. It is over 5 years old. First I signed to Equifax for the first time but I was  denied to access and to see my Credit Report. The Screen came back to call 800 #. I called Equifax told them the issue that I would like to dispute. The Equifax person want to Verify me, I gave him Full name, DOB, SS, Address and he told me he can only help me that I have to send Equifax with Photo ID like driver license or passports. Why do I have to furnish all this, after I gave the Important Info. 
I am XXXX  XXXX  for STATE of XXXX- XXXX ( XXXX ) I know my job how to Verify Someone. 
Now, I believe my information was compromised when Equifax had DATA HACKED. Probably I May be one of them, I have never was notified me that my personal info was COMPROMISED. 

1. I want Equifax to remove those collection Account from XXXX XXXX. 
2. I would like Equifax to FREEZE selling my name or to be used promtional. 
3. I want a letter from Equifax that my personal DATA Status.
Product: Bank account or service

I called into the bank about a credit limit increase. I was concerned about a hard inquiry to my credit report. The representative informed me she would make a change to my online account, informing me to preceeded and assured me it would be a " Soft '' pull inquiry. I applied and called back to confirm my previous call and was again assured that it would be a soft pull. Well it was n't and they Lied like really lied. They are refusing to remove a hard inquiry that I did n't not authorize.
Product: Bank account or service

I have XXXX checking and XXXX credit card accounts with Bank America. The credit accounts had limits from {$25000.00} to {$50000.00} and all had zero balances when this all began. These cards are rarely used since most daily transactions are by debit cards. XXXX of the cards provides {$20000.00} in overdraft protection on the checking account. Approximately a month ago the XXXX XXXX charged {$100.00} for a subscription to the same account that provides the OD protection. This charge occurred without my knowledge or consent and must have been automatically made at the end of a subscription term which was originally paid with this card. The credit card payment became due XXXX XXXX with {$25.00} minimum payment required. I did n't check my balance on this account because I had n't used it so I failed to make the {$25.00} payment. BofA immediately shut down my credit card without notice nor warning for non payment. 
Of course, all this happens in the month where I had to pay property taxes on XXXX XXXX and income taxes on XXXX XXXX. I needed to pay about {$11000.00} in extra taxes so I counted on the availability of my OD protection to cover a portion of these tax checks. But, BofA also shut down my OD credit along with the card for failure to pay the {$25.00} minimum payment. So, now they are potentially returning XXXX or more of my tax payments which will certainly cost me additional money in penalties and late fees. 
I immediately contacted the bank to make arrangements to correct the situation. Here is where it gets crazy. I spoke with XXXX different customer service folks at BofA on Saturday XXXX XXXX in XXXX calls lasting a total of XXXX hour and XXXX minutes. Each person would promise some quick resolution but need to forward me on to another person in a different department. Both of my calls were terminated without warning by their system while I was holding on the line. No one ever provided any solution to my problem. On Monday XXXX XXXX, I tried again and spent XXXX more minutes in which some effort was made but nothing was accomplished toward rectifying the problem. They refused to accept my offer to use another bank 's credit card to pay for any shortages. They refused to allow the use any of my BofA cards, too. They insisted on cash at the bank. This is simply unreasonable and clearly appears to be designed to trump up penalty charges. 
The bank effectively shut down my access to money over the weekend without notice for {$25.00} that was 5 days late. That is unreasonable. Then they kept me on a circle-jerk phone conversation for almost XXXX hours without offering any solution. This was unreasonable. They refused my offer to make any kind of payment over the phone using any of the XXXX or more cards I offered. That was unreasonable. 
All of this was more unreasonable considering my financial position. I have been with this bank continuously for 46 years, I run about {$200000.00} through the account each year, I have never in my life bounced a check, I have an XXXX FICA score and a net worth of at least {$XXXX} XXXX. I am good for this little debt and the bank should XXXX well know it!
Product: Money transfer, virtual currency, or money service

I was scammed of {$5000.00} on XX/XX/2023 on Cashapp. I immediately reached out to support and held multiple conversations over the past few days. I also spoke with my bank but the issue occurred with Cashapp not my bank XXXX. Cashapp support suggest blocking the scammer and reporting their profile, however I was unable to receive my funds back. I request a refund as suggested and no results. Cashapp even tried to shut down my account and stopped effectively responding. There has not been any measures taken to fix this issue or prevent it from happening to anyone else. I would like a full refund of my {$5000.00}. I am a college student with bills and tuition to cover.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

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

XXXX XXXX XXXX is in violation of the Fair Credit Reporting Act. California Rosethal Act. I paid my payment before the XXXX day on 4 payments reported by creditor strting in XXXX Two times I was credited on the XXXX day and the creditor reported it 30 days late. In XXXX of XXXX they reported XX/XX/XXXX payment 30 days late in retaliation to my complaint. 2 month after. I have sent them the proof. I was able to use the proof with XXXX  who removed the 4 30 day lates
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a dispute to the credit reporting agencies requesting proof of each account as well as a fair investigation for each account. On XX/XX/XXXX, the disputed items came back as verified. Experian, XXXX  and XXXX  has not properly verified a bankruptcy record on my credit reports. The bankruptcy record is inaccurate and is found to be incomplete. An affidavit ( a sworn statement of facts ) was sent to the Federal court asking them if any information was released to the credit reporting agencies. I sent Experian, XXXX and XXXX  a notarized Affidavit and correspondence directly from the Federal Court stating that no information has been given to them. If the agencies did not verify a bankruptcy record with the courts, how did they complete the investigation? This investigation is incomplete. If the court did not send them information on the bankruptcy record, then my disputes were not properly verified. I do plan on taking legal action per [ 15 U.S.C. 1681i ], Section 611 ( 5 ) ( A ) ( i ) If, after any re-investigation 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. This inaccurate and incomplete bankruptcy record is causing me unnecessary financial hardships due to the incomplete investigation of these credit reporting agencies. I need would like assistance on this matter asap before taking further legal action.
Product: Payday loan

I received a called from wertern sky stating I have a default loan from XX/XX/XXXX of XXXX which is now XXXX. 
I did n't take the loan out with WS but with XXXX. WS had made several calls to relative and friends giving out by social number and threating to send legal documents for me for court. I have n't heard from WS nor XXXX in 5 years. It 's my understanding that CFPP filed a lawsuit for unlicensed loans XX/XX/XXXX. 
The representative who called was very rude not only to me but to the others who they called looking for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Georgia, written contracts have a statute of limitations period of 6 years from the time in which the debt becomes due and payable and the period runs from the date of last payment ( OCGA 9-3-24 ) Balance {$750.00}
Product: Bank account or service

I have money in my bank account one day my money was gone and the bank told me the was a legal order debit
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE BEEN A VICTIM OF IDENTITY THEFT NONE OF THESE INQUIRIES BELONG TO ME AND IT'S RUINING MY LIFE
Product: Consumer Loan

XXXX 2012 we charged The Home Depot card for kitchen redo. Set up auto payments from account that had more than enough money to pay off total amount ( account not used for anything else ). Went fine for a few months, then got notice of late payment. Money all still in acct, THD/CBNA did not pull the XXXX payment, showed us as 30 days late -- we argued it was their fault, not ours. They agreed to fix on credit report. We talk to them numerous times a year and they claim they fixed it back in 2012. Credit bureaus have no record of anything from THD/CBNA stating it should read XXXX late payments. 
We are sick and tired of calling credit bureau, calling THD/CBNA back and forth for 3 1/2 years and it still not corrected. Credit bureau says has never gotten word from THD/CBNA to correct, THD/CBNA says they have sent it numerous times since 2012. PLEASE HELP! We have perfect credit except for this false information. We have also asked THD/CBNA to send us copies of the letters they send to credit bureaus -- we have been told " we do n't send letters to customer '' to " we have sent to you each time ''. We have NEVER received ANY communication about correcting this false report. They ( credit bureau AND THD/CBNA ) have asked us to send letters describing problem, and we have - numerous times- with still no luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX SSN : XXXX Experian XXXX. XXXX   XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, you are required by federal law to verify-through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately Name of Account XXXX XXXX XXXX Provide Physical Verification Creditor 1 XXXX C/O XXXX XXXX XXXX UNKOWN XXXX XXXX XXXX XXXX, SC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

issue 1 ) Equifax keep adding XXXX  XXXX BANK back to my credit report. it was removed once based on the information provided to them years ages ago. now it is reshowing again. 

issue 2 ) Equifax also refuse to let me have access to myequifax portal to review my information. When I sign into my account it inform me to call customer service and I do. I explain that i am trying to log into my equifax portal account and it told me to call customer service, the representative i have spoken with have been no help and this has been going on for 2 yrs now. of trying to get access to my personal information.
Product: Checking or savings account

My account has been debited by the bank itself ( TD BANK ) for {$140.00} saying it 's a photo adjusted amount.When I call customer care as I 'm in XXXX right now calling them overseas the customer care represtative gives me wrong information saying I deposited the same check twice and that 's why the amount was debited.His information was completely XXXX XXXX just like the banks customer service. I have deposited two different checks on two different days and I have a picture to prove it from the banks app itself. Check number XXXX was submitted on XX/XX/XXXX. Check number XXXX was submitted on XX/XX/XXXX. I need this amount of {$140.00} back into my account as I have copies clearly mentioning two different checks deposited on two different days. I have sent TD bank emails for a reply too as they convince us customers they would reply in 24 hours but their customer service is so pathetic, it makes me wonder why do such people open banks like this if they ca n't help customers when they are overseas!
Product: Mortgage

Currently in a process of a getting a new construction townhouse being built. The builder has a rule of being pre-approved with their preferred lender which we did. The townhouse we are buying will not be 100 % built until XX/XX/2023 ( estimate ). There are some rules on having a mortgage application within 21 days of the purchase agreement, but we have already been pre-approved with the lender, credit has also been pulled. There has been no communication in regards to this matter. 
When I mentioned to the mortgage loan officer about the timeline of the loan is so far out, and why is he pressuring us on submitting the mortgage application along with locking down interest rates ; loan officer did not attempt on answering the questions.. 
While I was asking about what to expect if prior to closing the mortgage, we decided to switch to another lender due to more competitive rates. The loan officer said, " if you will be switching a lender, then I am not going to waste energy and labor on this loan ''. 
The conversation and communications we had with this loan officer is very unprofessional, and he may have sent us someone else 's loan estimates. 
I have reached out to my agent, and have her see if there's a way the builder can assign us a new mortgage loan officer.
Product: Checking or savings account

On XX/XX/year>, a friend attempted a XXXX  payment, it was declined, so he went to his bank and gave me cash. On XX/XX/year>, a representative from sofi called multiple times. They asked me about the transaction, I stated it was for money owed, then they wanted more personal information. I declined because the transaction did not go through and i have a right to privacy in California. Sofi sells information to third parties. They made threats to freeze my account if i did not provide the information. On XX/XX/year>, the froze my account and disabled my debit card and all balances in the account. Again, the did this for a transaction that was declined by them. I asked them to close the bank account and send a cashiers check with the balance, the declined and would not give a date for their " investigation '' to conclude. Now I have to wait for my money to be released which was never subject to any hold before this declined transaction.
Product: Mortgage

On XX/XX/2020, I applied for a refi loan ( as well as debt consolidation ) with Loan Depot. I was repeatedly told that my application had been approved. I emailed and asked for a call-back many times from XXXX XXXX, the loan manager, who refused to call or email me back with a response unless I reached out to the loan officer. 
On XX/XX/XXXX, I signed the closing disclosure document. 
On XX/XX/XXXX, the closing disclosure was emailed to me again. 
On XX/XX/XXXX, I emailed & requested a new loan manager who would actually work on my file. They responded that my file was ready for losing. 

On XX/XX/XXXX, I was informed by XXXX XXXX that my closing docs would be available for signature on the next day, XX/XX/XXXX. I was not available on the XXXX so we scheduled for the XXXX. I was informed by the notary that the lending company had not provided the documents to the title company so we rescheduled for Friday the XXXX. On the XX/XX/XXXX, I signed the closing documents. 

On XX/XX/XXXX, I received an email from XXXX XXXX requesting verification of my employment. This is 60 days after my application XX/XX/XXXX - received an email to review the closing disclosure for the 3rd time XX/XX/XXXX - checked online & my existing mortgage was not paid off & none of the other debt paid off. Called Loan Depot customer care x2 - left message. Also sent chats x2 requesting resolution. Paid my existing mortgage payment for month of XXXX. 

XX/XX/XXXX - checked online & mortgage & debt still not paid off. Called Loan Depot customer care who said she would check and call me back. She called back & said the funds were wired to XXXX XXXX to pay off mortgage & checks for other creditors were fed exed to me on XX/XX/XXXX. Emailed loan officer, XXXX XXXX, and his supervisor requesting extension of 1st mortgage payment from XX/XX/XXXX to XX/XX/XXXX and refund of part of the processing fees for my inconvenience. Call to XXXX XXXX - out to lunch. 

I am requesting that Loan Depot refund a portion of the processing fee for their lack of communication, lack of timely processing my file, failure to timely fund my loan, and terrible customer service!
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). 

Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. 

As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. 

As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF ED/NELNET XXXX, DEPT OF ED/XXXX   XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Credit card or prepaid card

A few weeks ago, I called Citibank to complain that I was mistakenly enrolled in paperless statements, which caused me to be late twice making payments on the card. I asked that they refund the late fees they charged, due to my long and perfect credit history with Citibank. Citibank said they fixed the paperless statement issue, although I have yet to see a paper statement from them, but they refused to refund my late fees. I told them I planned to write a complaint letter. A few days later, I received a letter from Citibank saying that the credit limit on both of my Ciribank cards was decreased. They said I owe debts, which is true of most Americans. I have an impeccable history paying Citibank and any other debts I owe. I have no late payments showing on my credit files.

I am very upset that my credit file was checked and my credit limits decreased on my Citibank credit cards for no reason other than I asked to receive printed statements rather than paperless and asked that my late charges be refunded. My credit limits were decreased thousands of dollars for no reason. I have had one of the Citibank credit cards for over a decade, in my maiden name, XXXX XXXX XXXX, with thousands in credit limits available to me, which I never abused. Please look into this matter for me and find out why Citibank punishes their longstanding customers when they complain. Thank you.
Product: Money transfer, virtual currency, or money service

Hey, I use Gemini XXXX for XXXX XXXX. They list XXXX XXXX and support XXXX XXXX. I mistakely send XXXX XXXX to my XXXX XXXX XXXX, my usdc coins are sitting in my Gemini XXXX XXXX address and they are refusing to help. Its easy to recover and really easy to send back to me because all exchanges doing that. Can you help me to recover this. 

No ne helping me from Gemini all they are saying ''we will inform you when we have update, when we support sol-usdc bla bla bla ''. Can you help me please its a lot of money. 

This are the information you need Gemini XXXX XXXX : XXXX Chain : XXXX XXXXXXXX XXXX XXXX XXXXXXXX : XXXX email : XXXX XXXX
Product: Mortgage

My hardship started in XX/XX/XXXX. I was injured at work by making a wrong movement pulling a heavy object. I underwent XXXX immediately after and went without work for many months, which caused me to fall behind in all of my bills including my mortgage payment. When I came back to work I encountered earning s reduction and decreased in working hours. I had been searching for a 2nd job to supplement the loss. I reached out to JP Morgan Chase, the servicer of my loan to request for a loan modification. My first attempt was XX/XX/XXXX. They cancelled my application stating that I did not supply all the documentation they needed, when I have evidence I did. The single point of contact was XXXX XXXX. The second time I reapplied was XX/XX/XXXX. I submitted a complete package to Chase and from there on I've been given the running around with respect to my income. I utilized my wife 's income as she is a contributor to the family budget, which Chase neglected to recognized so they declined my application again. Meanwhile, I was able to secure income by start working for myself. I presented the Chase, with my bank statements reflecting the necessary income to qualify. Now Chase, more particularly XXXX XXXX who acknowledged the reapplication out of XXXX, TX stated that short after that the modification was declined due to the fact that they will not take in consideration my self employment income because is not reflected in my XXXX tax returns, knowing that I have been XXXX XXXX only in XXXX. 
Per representative the only time they can use the XXXX XXXX to apply for assistance is when said income is on the tax returns for 1 year, which contradict FHA Guidelines. I have an FHA LOAN. 

SUPERVISOR XXXX IS THE SUPERVISOR VP MANAGER AND XXXX IS THE REP.
Product: Credit reporting or other personal consumer reports

I got an email this afternoon about a credit application for a credit card I did not apply for. The credit card was for XXXX XXXX. Because I had credit freezes in place, the application did not go through. I immediately got a credit alert from Experian and called them to try to dispute. Experian told me that they can not remove hard inquiries and that I needed to contact the creditor. I called XXXX XXXX and was transferred to 5 different departments before I was told I needed to file a FTC report and then email them the report to try to remove the inquiry.