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

My chime account was closed without my permission and then when I called to ask why they closed my account no one could explain. I need received my funds from my account. I had XXXX in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX XXXX XXXX XXXX they pulled my credit report where they were they said there would only be 1 inquiry that was on my credit report but i recently recieved a copy of my credit report and noticed a bunch or inquires that i dont recognize nor did i authorize them to access my crdit report. There is also a bunch of inquiries that are showing up as unspecified that i Definetly do not recognize nor do i give the commpanies Permissible Purpose for whatever they are connected to ive never even heard of most of these companies.

15 U.S.C 1681b refers to permissible purpose of consumer reports 15 U.S.C 1681 section 602 A. States I have a Right to privacy 15 U.S.C 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions 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

I am a retired XXXX  on a fixed income, and to put it bluntly, LoanCare LLC has on two separate occasions attempted to steal money from me through their systemic process of ignoring my wishes regarding how to allocate additional principal payments to my account. 
As it relates to mortgages, it is always to the benefit of the borrower to have the lowest principal balance possible, while it is to the benefit of the lender to keep that principal balance as high as possible. 
LoanCare as a matter of policy, procedure and practice has twice ignored my principal payment allocation directives to my detriment and to their benefit. 
In XX/XX/2020, I made an additional payment of {$10000.00} to LoanCare LLC. I sent the check, along with a letter directing them to use the funds for payment of principal ONLY. I told them that the funds were not to be used for any other purpose, including interest payments, advanced monthly payments, escrow or other costs and fees. They ignored my directions and improperly allocated the money to future payments and used a considerable portion of the funds toward interest and escrow payments, thereby deliberately reducing the amount of funds that could be used to reduce my principal balance. 
THEY DEFIED MY DIRECT REQUEST, BREACHING THEIR FIDUCIARY DUTY. THEIR ACTIONS WERE CLEARLY TO THEIR BENEFIT AND TO MY DETRIMENT. 
I had to call their customer service department to get their actions reversed and to get the total amount of my payment credited toward principal as I had directed. 
In XXXX of 2020, I sent in another additional payment XXXX {$5000.00} XXXX which was to be credited toward principal only. I have attached a copy of the check along with my letter of direction. I made it very clear, in no uncertain terms, what I wanted them to do with the funds, and what legal steps I would take if the ignored my wishes for a second time. They completely ignored my direction and once again made advanced payments with a large portion of the funds. Once again, they consciously acted to my detriment and to their benefit. A clear violation of their fiduciary duty. In addition, it is very possible, given their defiance of my clear directives, and the pattern of such behavior, that they have committed criminal acts as well.
Product: Debt collection

Synchrony Bank has been reporting falsely to the credit reporting agencies since XX/XX/2015. I paid off my debt to Synchrony Bank through a debt consolidation program called XXXX. Synchrony received the payments from XXXX and the last time I wrote the credit reporting agency to address Synchrony 's false reports. Synchrony sent me letter back with the contact info and copies of the last 3-4 payments confirming they received them ( attached documents ). Synchrony reports my high balance as {$3500.00} It shows they confirmed the final payment {$710.00}. The original balance I was supposed to pay through the debt consolidation program was {$2700.00} I ended up paying {$4200.00}. I have tried calling Synchrony Bank 16x on several different numbers they had given me and transferred me to only to to get sent to an automatic disconnected dial tone everytime. This is the only other option I have left to resolve the discrepancy. 

They falsely reported on my credit reports that it is unpaid and they are falsely reporting a balance on my account. They actually made way more money than I even owed.
Product: Debt collection

This account was included in my bankruptcy and has resurfaced after discharge with new account open and closed dates. This account is inaccurate, listed as open date : XX/XX/year>, past due {$1600.00}
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer I have the right to maintain an accurate, up to date, and % 100 true consumer credit report. Please understand that I am fully educated on the Fair Credit Reporting Act. 

As a consumer I am also educated on the dispute process and XXXX and I feel that I have invested a great deal of money disputing items that are in error which should not be reporting on my credit report. XXXX, XXXX, and Transunion continues to validate propagated errors throughout XXXXXXXX. No human being is actually handling these disputes and this is just plain illegal. As a consumer my credit report should be % 100 accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX associated with XXXX XXXX XXXX ( XXXX XXXX XXXX, has violated my rights. 

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 a
lso states a consumer reporting agency can not furnish a account without my written instructions. 

The following Accounts : XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX On XX/XX/XXXX Credit Card Opened by the Thief {$900.00} Company or Organization : XXXX XXXX On XX/XX/XXXX {$300.00} Fraudulent Auto Loan Company or Organization : XXXX XXXX XXXX XXXX On XX/XX/XXXX {$43000.00} Fraudulent personal Loan Company or Organization : XXXX XXXX XXXX XXXX On XX/XX/XXXX {$1300.00} Fraudulent credit card Company or Organization : XXXX XXXX XXXX XXXX On XX/XX/XXXXXXXX  {$700.00} Company or Organization : One main On XX/XX/XXXX {$8300.00} Company or Organization : XXXX XXXX On XX/XX/XXXX {$14000.00} Company or Organization : XXXX XXXXE XXXX XXXXXX/XX/XXXX {$580.00} A FTC Identity Theft reprt was filed for all accounts. A affidavit will be attached.
Product: Credit card

someone trying too get credit cards in my name and not getting accepted or approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This compliant is against Experian and XXXX XXXX  XXXX ( XXXX ) XXXX is reporting 5 accounts on my Experian account that I have no knowledge of. I have contacted both companies and neither company has provide me with the information to identify the outstanding balance and that the account are mines. Experian has continues to ignore my request. They stated off by saying my letters looked suspicious, I called and let them know that I wanted the account disputed. Now they are telling me they would not re-investigate without proof. How can I prove an item is not mines. What prove will I have. This doesn't make any sense to me. If they say the account have been verified, how was it verified. What information was provided. I have requested documentation from XXXX and all they provide was a list of the accounts. 

XXXX and XXXX has remove the account because XXXX didn't verify the account but Experian is claiming the account were verified. 

I feel that Experian feels I am working with a credit report company and is not taking my request serious. i have researched and know my rights.
Product: Debt collection

Bank is billing me for purchase that was returned and I was credited for. I have been sending them letters and copies of credit received from account but they continue to bill me. They added interest onto amount that was credited. The bank calls me several times a day and night. Harassing is out of control. Such fraud going on. 

Account : comenity bank - XXXX Amt. billed : XXXX of which XXXX is late charge
Product: Credit reporting or other personal consumer reports

To date, I have not received any written notice from the BRCLYSBANKDE  regarding this debt, as required under the Fair Debt Collection Practices Act ( FDCPA ). This initial written notice is crucial as it provides me with essential information, including the amount of the debt, the name of the creditor, and my rights to dispute the debt. According to the FDCPA, I am to receive written notice within XXXX days of their initial contact with the consumer. Since I have not received such notice, I have not had a fair opportunity to review the details of the debt and respond accordingly. 
Therefore, if BRCLYSBANKDE records indicate that attempts have been made to contact me regarding this matter, I need to receive proof of such attempts. 

Please also consider this letter a request to remove any negative reporting related to this debt from my credit files until such proof has been provided. 
Best regards, XXXX XXXX
Product: Mortgage

On XX/XX/22, I contacted Lakeview Mortgage company requesting to apply for a home equity loan. The agent that answered began to collect my information as part of the application process, and also sent me an email in which I had to consent for electronic delivery. Once we got to the portion of the application involving income, I explained to the agent that I was recently self employed, and provided my business information. The agent abruptly advised that in order to utilize my business income, I would need to provide two years of income tax returns. I explained that my business hadnt been established long enough to have two years of tax documents, however I did file my taxes with my corporate job for the last two years. The agent then advised that I would have a hard time getting qualified for a home equity loan, and ended the application process. I explained that my husband does work, and could be a co-applicant on the loan since he could provide the necessary tax documentation. I also advised that I was concerned, as my husband did have a bankruptcy on his credit, and wasnt sure how that would impact our approval odds. The agent then stated that he didnt think we would qualify with a bankruptcy on my husbands credit, and would not accept any of his information. The agent ended the application and stated he would reach out to underwriting for clarification, and call me back later in the day with a response. Needless to say, the agent never called me back. The following morning I called the agent back to follow up on the application, and to find out why he did not call back as promised. The agent proceeded to tell me that he was still waiting for a response from underwriting, which is why he didnt call me back with an update. I then advised him that, there are laws in place for companies that prohibits agents from discouraging applicants to apply, and for declining to accept an application. The agent told me that hes been doing his job for 20+ years, and was doing me a favor by not submitting the application in which he knew wouldnt be approved. He stated that there was no need for me to get a ding on my credit for no reason!! I promptly asked to speak with his supervisor, in which he provided me with her phone number. When she called me back, she simply stated that she would provide this information to her team, and apologized. At no point did she ask who I spoke with, my loan number information, or offer to complete the application. Makes me wonder how she would address the agent I was dealing with when she didnt bother to ask any information about him. Ive worked in the banking industry for many years, and know for a fact that the actions of the agent could fall under discrimination, and violate the equal credit opportunity act. To this day, Ive not heard back from the agent, and my application still has not been submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX BOX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX BOX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX Permissible Purpose : IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX Permissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX CREDIT MONITORING EQUIFAXUSOPM XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX I contacted the credit bureaus, and they refused to help me dispute these items over the phone. Their customer service would not help and take care of the negative inquiries reporting to my credit report. They told me they ca n't do anything about it.
Product: Vehicle loan or lease

I'm deeply dismayed by the ongoing nightmare I've endured with my XXXX Honda XXXX XXXX Hybrid, purchased from Honda of XXXX on XX/XX/XXXX. I expected nothing short of perfection upon acquiring my first Honda vehicle, eagerly anticipating the modern marvel of in-car Wi-Fi. However, to my dismay, I've been ensnared in a baffling web of incompetence and indifference. 

Since the date of purchase, I've been subjected to a relentless cycle of finger-pointing between Honda and XXXX XXXX XXXX  each blaming the other for the failure of the Wi-Fi service to function. Despite my best efforts to seek resolution, I've been met with a barrage of excuses, delays, and outright rudeness. 

On XX/XX/XXXX, I dutifully submitted a ticket to address the issue, only to receive radio silence in response. Follow-up attempts on XX/XX/XXXX and XX/XX/XXXX yielded nothing but frustration and wasted time. During a grueling five-hour ordeal at Honda of XXXX on XX/XX/XXXX, I discovered that XXXX XXXX XXXX  had the wrong VIN number associated with my vehicle. Yet, even with this critical information in hand, the impasse continued. 
The nadir of my experience came during a call on XX/XX/XXXX, with a Honda representative assigned to my case ( number XXXX ), whose demeanor was as callous as it was unhelpful. This individual not only displayed flagrant disregard for my concerns but exhibited a level of rudeness and dismissiveness that left me speechless. 

Despite my pleas for assistance and escalation, I was met with a cold indifference, with the representative refusing to take any meaningful action to address the situation. She adamantly refused to escalate the matter or provide any additional assistance, callously asserting that she was under no obligation to do so. 

As if the lack of resolution weren't distressing enough, the utter lack of accountability and professionalism demonstrated by this representative has left me feeling utterly abandoned and disheartened. The prospect of being without essential Wi-Fi services for over five months, coupled with the abysmal communication and abhorrent treatment I've endured, is simply intolerable. 

In light of these egregious failures, I have no choice but to explore other avenues for recourse, including lodging a complaint with the CFPB and invoking lemon law protections. I can only hope that the company takes swift and decisive action to rectify this situation and restore some semblance of faith in their brand. 

This ordeal has taken an immense toll on me, both emotionally and practically, and I implore Honda to take my grievances seriously and provide the redress I so desperately seek.

Please note that I have several copies of emails that were never responded to along with several legally obtain recordings of the phone calls. I am a resident of a one consent state.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Once again i have tried to resolve this issue with the lender going on 7 times. I was offered a payment match program that I was at first not interested in. I ask the lady what would be the outcome of me paying my account and letting them match it. The young lady said that I would just have a zero balance and it is a special that they are running. I could have paid off this card had i knew all of this would come about. They took my payment of {$330.00} and STILL DID NOT MATCH MY PAYMENT.. ( Again never asking them to do this ).. They then proceeded to put this account in collections and not telling me I still owe them {$330.00}. I have also ask for the recorded conversation which again is what was stated on the phone call. Which will explain this whole entire story and how they tried to trick me into paying them {$330.00} which they did and since then have reported the account as a charge off which violates the consumer law entirely. They have never reported this account correctly and also the collection company they have claimed to have sold this account to can not provide me with any information besides my first name and amount. They have yet to provide me with an account number.. address.. credit limit amount.. last nothing.. Absolutely nothing.. They have XXXX complaints with this company in the past 12 months from similar situations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I settled my account for less with Wells Fargo Dealer Services when they agreed to take {$14000.00} as the payoff of my auto loan account # XXXX by XXXX XXXX in XXXX, Minnesota XXXX who can be reached at ( XXXX ) XXXX. In XX/XX/XXXX Wells Fargo started reporting that we had not settled and that they had charged off the remaining balance of {$9100.00}. the Wells Fargo representative spoke with myself and XXXX XXXX who is the XXXX XXXX employee who processed the sales of the XXXX XXXX XXXX and provided the payoff to WFDS in order to settle the account. I was told verbatim that they would not report the remaining balance as charged off because opposed to turning the vehicle over to WFDS I had gone out and got an offer from XXXX XXXX for {$14000.00} that they agreed they would accept to settle the account. I mailed my complaint about this matter to all 3 major credit bureaus by certified mail on XX/XX/XXXX, in which I have already received correspondence from XXXX that they have started the dispute as they are required to within 30 days by law. On XX/XX/XXXX XXXX send me a letter saying that they could not process my dispute because I had not provided sufficient information, or that the documents were not legible. I am attaching all documents to this dispute and you will see that not only did I provide all information necessary to initiate my dispute, but that it was absolutely legible. I am about to go through a background a check for a new job and I will not hesitate for even a moment to sue WFDS and XXXX to the full extend of the law if this is not corrected IMMEDIATELY as this is fraud on behalf of Wells Fargo which they have shown us all they have no problem with, and this could also result in a failed background check if this remains on my credit report in which I would sue for loss of wages as well. I recommend the XXXX and Wells Fargo do not take this complaint/dispute lightly or try to delay correcting false information any further or I will have my attorney be the next person to take action. We are so thankful that Wells Fargo has recorded all phone calls on my account so that if I am forced to bring them to court they can help us verify that the statements above are truthful. Please remedy this inaccuracy immediately. I am simply shocked appalled and offended to see Wells Fargo trying to get away with this even after they just defrauded millions of Americans. XXXX received my dispute via certified mail with return receipt, no later than XX/XX/XXXX so the clock is ticking until 30 days is up. Please do n't make me escalate this any further as I will be submitting a complaint with the FTC today as well. Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

My account reflects the error message of Funds unavailable for withdrawal. Why is my money being held?
Product: Credit card

I recently filed a complaint with Macys because I was getting credit card information for XXXX XXXX. No one by that name lives at my address. Macys stated that they corrected the problem. They did not. I continue to receive credit card information for this person. I am concerned about the impact on my credit, my address and the lien on my home.