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

ME & MY CHILD WAS PROFILE BY THE BRANCH MANAGER LIKE WE WAS TRYING TO SCAM THE BANK & ALSO WE WAS LIED TO BY THE WORKER ON BEHALF OF THE BRANCH MANAGER TO TELL US THE MONEY ORDER WAS FRAUDULENT JUST TO BRUSH US OFF WHEN I HAVE AN ACCOUNT THERE AND AIN'T NEVER HAD NOTHING FRAUDULENT EVER COME THUR MY ACCOUNT SHE STOOD THERE LOUD SAYING CALL XXXX XXXX & THE WORKER SUPPOSED TO HAVE BUT I DON'T THINK HE DID BECAUSE I CALLED AND THEY SAID THE MONEY ORDER WAS OUTSTANDING I CALL ANOTHER BRANCH UPSET & TOLD THEM WHAT JUST HAPPENED THEY INFORMED ME TO COME THERE WE WENT THE BRANCH MANAGER WAS POLITE & CALLED XXXX XXXX AND THEY TOLD HER IT WAS OUTSTANDING SHE HAD MY CHILD SIGN IT OVER TO ME & WENT AND CASHED IT ME & MY CHILD WAS BASICALLY PROFILED BY THE BRANCH MANAGER & EMBARRASSED LIKE WE WAS IN THERE SCAMMING IT WAS A CUSTOMER IN THERE JUST STANDING THERE LOOKING AT US LIKE WE WAS CROOKS TO BE EMBARRASSED LIKE THAT WAS HEARTBREAKING I'VE BEEN WITH THIS BANK SINCE AROUND XXXX & TO BE TREATED LIKE THAT FROM A BRANCH MANAGER WAS UNACCEPTABLE WHEN I HAD THE MONEY IN MY ACCOUNT TO COVER THE MONEY ORDER OF {$830.00} IT WAS AN EMBARRASSMENT WHEN WE HAD TO GO SHOW ALL KINDS OF PROOF & WAS STRAIGHT LIED TO BY THEM HAD ME FINNA GO BACK TO XXXX AND GO OFF ON THEM ABOUT MY DAUGHTER MONEY THIS COULD OF BEEN AVOIDED IF THE BRANCH MANAGER HAD NOT HAD THE WORKER LIE I WATCH HER THE WHOLE TIME BUT THE OTHER BANK HAD NO PROBLEM AND CASH IT... SAME BANKS THO ... .XXXX..WE WAS PROFILED & EMBARRASSED WE ALSO HAVE THE PICTURE SHOWING IT WAS DRAFTED OFF HER CARD WITH A PIN NUMBER
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023, I met with XXXX XXXX at XXXX XXXX XXXX about exiting my timeshare. During that conversation, I unknowingly signed paperwork that opened up a {$20000.00} line of credit with Citizens Pay. I never discussed the need for a line of credit nor did I approve opening any account with a financial institution that I was not already dealing with. 

On XX/XX/2023, I went back to XXXX XXXX 's office because something did not feel right. He was not available to meet, and I was told that I would have to speak with XXXX XXXX. No one else was available to help me. 

On XX/XX/2023, I received an email saying that I had been approved for a line of credit with Citizens Pay. 

On XX/XX/2023, I mailed XXXX XXXX a letter with a formal cancellation request. He did not respond to that letter. 

On XX/XX/2023, I reviewed the paperwork with my daughter and we put a fraud alert on the Citizens Pay account. We also cancelled a XXXX XXXX XXXX that was opened without my knowledge during the XX/XX/XXXX meeting. 

On XX/XX/2023, I received a letter from Citizens Pay dated XX/XX/XXXX saying that I had 14 days to respond. The address on the letter is incorrect.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX i initiated a Citibank web transfer of {$70000.00} from XXXX checking account xxx # XXXX to a Citibank savings account XXXX. On the same day, I received a Citibank email indicating that Citibank received the transfer request and I should expect to see funds in destination account within 3 business days. Also on the 3rd, I received another Citibank email confirming the transfer-with a delivery date of XX/XX/XXXX. 
On XX/XX/XXXX I checked my XXXX  checking account and {$70000.00} was debited from my account. 
On XX/XX/XXXX I received a Citibank email indicating that the funds could not be deposited into Money Market account XXXX. If the funds were held by another financial institution to contact them to have the funds deposited back into my account. 
Now the fun part. Between XX/XX/XXXX and XX/XX/XXXX I have contacted XXXX  5 times and Citibank 6 times trying to get the funds either deposited into my Citibank savings account or returned to my XXXX  checking account. In each case I talked to many different departments and management but always end up with the same result each institution stating it is the other banks responsibility to retrieve these funds. 
Citibank could not provide me with an answer on why the transfer was not completed and because they use XXXX, a third party financial institution, for the transaction they cant request the funds to be returned. 
XXXX  on XX/XX/XXXX opened a dispute claim to investigate the issue. On XX/XX/XXXX I received a letter indicating they could not find an error in the processing of the originator instructions and considered the investigation closed. 
In summary on XX/XX/XXXX a Citibank web inter-financial transfer was initiated which resulted in a deduction of {$70000.00} from my XXXX  account but funds were never deposited in my Citibank account. Numerous attempts of contacting both institutions over a 5 week span resulted in each bank indicating that the other bank was responsible. 
If needed I can provide copies of all bank emails, account numbers and specific dates with details of my attempts of contacting both banks to resolve this issue. 
Thanks in advance for your help
Product: Debt collection

I got a copy of my credit report and noticed a negative reporting from an unknown company ( Southwest Credit ) I disputed this debt with the credit bureau, because I do not know of this debt, who its from, when account was opened, and even if it is indeed my debt. I never received a debt collection letter from Southwest Credit giving me a chance to dispute or verify the debt, before they went and reported negatively on my credit report. 

Where did this debt come from, when was the account opened, where was correspondence sent regarding this debt, who is the original creditor, and I would like proof ( application, signed by me ).
Product: Credit card

On XX/XX/XXXX I got an alert from XXXX XXXX XXXX  about someone opening an account in my name. I checked and it was an inquiry on my credit reports for Capital one/Cabela. I know I had not opened any accounts. On XX/XX/XXXX, I contacted XXXX XXXX XXXX. I also contacted XXXX. I Went to the Social Security office, but they said they couldn't do anything, they did give me a pamphlet. 

On XX/XX/XXXX, I filed a police report and contacted Capital One/Cabela. After contacting the Capital One/Cabela they said they would check into it and said the application was not yet fully processed. They said they would cancel it. I made a police report but is not able to pick it up until Monday. Also going to contact the FTC today. 

Somone had also opened this card in my name on XX/XX/XXXX and I made complaints that was later resolved. 

Not sure what billing address, email or phone number they are using. Capital One/Cabela said they could not provide any of that information to me. I would have to contact police department.
Product: Credit reporting, credit repair services, 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 15 USC 1681. 
Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX Account name : XXXXXXXX XXXX  # XXXX account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXXXXXX # XXXX Account name XXXX XXXX XXXXXXXX # XXXX Account name XXXX XXXX XXXXXXXX # 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 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. And i have filed police report as well
Product: Credit reporting, credit repair services, or other personal consumer reports

Id theft victim These accounts are not mine XXXXXXXX XXXX balance {$21000.00} XXXX XXXX XXXX {$21000.00} XXXXXXXX XXXX balance {$620.00} XXXX number XXXX ( i have my own card ) XXXX ( authorized user ) Not my account XXXXXXXX XXXX balance {$3800.00} ( i Have never paid late ) XXXX XXXX Never paid late DEPT OF EDXXXX XXXX This is in deferment till XXXX  Never paid late DEPT OF EDXXXX {$37000.00} this account is in deferment till XXXX never paid late
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried several attempts with XXXX  and Transunion concerning 3 accounts. I started XX/XX/2019 with both bureaus. I ran my credit repair and was under the impression I have accounts that are not mine and are unverified. I've attempted to contact both the creditors and the bureaus to receive the original documentation from these accounts. XXXX  was able to provide me with all the original documentation for all three accounts. Under the FRCA section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Both companies have failed to provide me any further more information. I would like to know why does XXXX  report state that accounts were deleted. I received my final letter from Transunion on XX/XX/19 and XXXX  on XX/XX/2019.
Product: Credit reporting or other personal consumer reports

In an extensive review of my credit report from Equifax, I have identified multiple inaccuracies that directly affect the fidelity of my financial records and, consequently, my credit score. Despite several attempts to rectify these discrepancies directly with Equifax, the issues persist, prompting me to seek intervention from the Consumer Financial Protection Bureau ( CFPB ). The disputes encompass critical personal information discrepancies, including my date of birth and current address inaccuracies, alongside incorrect employment details. Furthermore, a public record item relating to a Federal Bankruptcy ( XXXX XXXX. XXXX ) is inaccurately reported in terms of type, status, filed/reported date, closing date, asset amount, court details, liability, and exempt amount. This inaccurate portrayal extends to several accounts across different financial institutions, which remain unresolved. Specifically, issues have been identified with XXXX XXXX XXXX XXXX XXXX accounts ( XXXX XXXXXXXX and XXXX ), XXXX XXXX  XXXX XXXX accounts XXXX XXXX XXXX and XXXX ), a XXXX XXXX account ( XXXX XXXXXXXX ), a XXXX XXXX account XXXX XXXX XXXXXXXX ), XXXX XXXX XXXX XXXX XXXX accounts ( XXXX XXXXXXXX and XXXX ), a XXXX XXXX XXXX XXXX XXXX account ( XXXX. XXXX ), an XXXX XXXX account ( XXXX. XXXX ), and a XXXX XXXX XXXX account ( XXXX. XXXX ). These disputes encompass a range of issues, including but not limited to incorrect high balances, dates of last activity, reported dates, creditor types, payment statuses, and credit limits. My attempts to have these inaccuracies investigated and corrected through direct communication with Equifax have, regrettably, not resulted in the necessary corrections, despite the provision of supporting documentation and repeated requests for review under the Fair Credit Reporting Act ( FCRA ). This situation has left me with no alternative but to seek the CFPB 's assistance in resolving these discrepancies, which unjustly impair my credit reputation and financial standing.
Product: Money transfer, virtual currency, or money service

In XXXX  I applied for housing is key a government program that helps with back pay on rent and I was living at XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
I got an email somewhere in XXXX around XX/XX/XXXX telling me that I was awarded a check for {$9200.00} and it was sent to my address on file and I called them up to ask them to change that address and they told me that the check was already dispersed which means that somebody had a cashed it or attempted to cash it and so I went to the address on file and I asked the people there if they knew anything about this and they told me that they put the check out to go to back to the USPS mail and that they've noticed that somebody may have stolen. So one of the tenants tells me that there is possibly a male subject that may have stolen it there that may have cashed it at a Chase Bank so I called Chase bank and they confirm that somebody did and that they were going to stop payment on it but they did not.. after I told him the check was fraudulently cashed and that I did not sign it they still continue to let that person have the cash go in the bank and take it out I confronted the teller and the teller told me that she's not the fraud department I have to take it to the parking lot and call up the fraud department and talk to them about it but that she couldn't help me at all. I also reached out to the government agency that provided me the check and I asked them to also look into it but I have not got a response All I got was the customer service lady told me that they would get back to me within two days and I haven't heard from them since.
Product: Mortgage

Since XX/XX/year> I've tried to get a workout plan with this collection agency, they refused to accept payments from XX/XX/year> until now they are saying I have to pay XXXX upfront. This is unreasonable. Please help me to see if this is correct. I feel I'm being taken advantage if. I've sent you all the paperwork. Complaint number is XXXX
Product: Debt collection

I dont understand where almost {$1400.00} is coming from coming from when I only owe about XXXX they are falsely accusing me of owing way more I get repeated phone calls from them telling me my credit wont get better until I pay the full amount which the amount is way wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter on my own behalf. Upon reviewing my credit reports and gaining knowledge of relevant laws, I have come to the realization that both your agency and the collection agency are in violation of 15 U.S. Code 1681a ( 3 ), which pertains to the restriction on sharing medical information. According to this code, the exceptions mentioned in paragraph ( 2 ) do not apply when it comes to disclosing information to any person who is related by common ownership or affiliated by corporate control.
Product: Prepaid card

Hello, I am an unfortunate customer of Rushcard/Unirush LLC. I have XXXX direct deposits that are missing from my account that have yet to be posted and I am being told by rushcard that they dont have the funds and cant do anything. My weekely pay check has been deposited into my rushcard acct seemlessly for the last year up until the rushcard " system update '' on XXXX/XXXX/15. Every since this supposed update I have not been able to accesing my existing funds or any deposits made. I should have had a deposit on XXXX/XXXX/2015 and a deposit on XXXX/XXXX/2015 neither of which are reflected in my balance. I have called rushcard several times being on hold for countless hours at a time and have been informed on my last call that they dont have my funds and there is nothing they can do. I have verified with my employer that the funds were accepeted by rushcard into my account so there is nothing they can do because the funds havent been returned. At this point I am exhausted and disgusted with the entire ordeal. The stress this is causing me isnt worth me to continue to call them and deal with this. I have had several automatic Billpay payments returned, I have no food, no gas and I have no one else to borrow from. Im hoping my complaint doesnt fall on deaf ears and I will one day see my hard earned money.
Product: Payday loan, title loan, or personal loan

I first applied for a loan in early XX/XX/2023. I was denied, and the phone rep told me they couldn't provide a reason for denial over the phone, and that I would receive the reasons for denial by email or postal mail. I was also told that I could try applying the next day. 

I've applied each day since then. Each day, I have been denied. I finally received the denial letter from early XXXX, and it simply states " Unable to verify application information. '' I called the company to see what it was that I needed to do in order to submit an application with information that could be verified. The agent again refused to provide any additional information on what information could not be verified or how I could submit an application that would be approved, and again told me that I could try applying again tomorrow.
Product: Debt collection

Was called numerous times and was being threatened to be taken to court and have my wages garnished, because of these threats I signed a payment agreement so they would n't take me to court now I can no longer afford the payments I signed up for and am asking them to lower it they are stating they ca n't lower it because I signed a legal agreement
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent multiple letters to Equifax asking for an investigation and a copy of my updated credit report. The attached letter dated XX/XX/2020 was sent multiple times because I didn't send certified and could not track it. I didn't receive a response to this letter. I sent the exact same letter again and this one was delivered on XX/XX/2020. I was able to track it since I sent it certified. I have yet to receive an updated credit report or proper investigation. It has been way more than 30 days. I even gave them extra time due to COVID-19.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, # XXXX and # 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 also states a consumer reporting agency can not furnish an account w/o my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

As a human being, I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681.They violated my rights and I demand the account XXXX XXXX be removed According to 15 USC 1681 I have the right to privacy
Product: Debt collection

This debt popped up on my report in XXXX of XXXX, after I starting repairing my credit. I have no knowledge of this debt from XXXX. I requested documentation from NCA as well as XXXX XXXX, neither could provide any proof. Not even a old phone number that was used. I had no choice but to pay them due to them reporting monthly like it was agreed prior and I was neglecting it every month and it still shows that I missed payments for three months. I contacted them in may and payed the debt off after first contact. It was never agreed to prior. I only paid it because I had no choice. National Credit Adjust XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX United States was the collection agency and XXXX was the original loan holder.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App XXXX Block , Inc ) due to inadequate customer service and unfair practices. I have multiple transactions history since 2020 showing how Cash App charged me unfairly for every transaction. Sending {$100.00} and the receiver would only receive {$80.00}. And this happy many times. Cash App is unsafe and many fraud problems have accrued with them since being a customer since 2020
Product: Mortgage

My mortgage is on forebearance. As I am nearing the end of the forebearance period my servicer is asking for a lump sum payment. The servicer in a letter to me offered several options. None of the options included the FHA COVID-19 National Emergency Standalone Partial Claim. 

I want to know why I wasn't offered this option despite rules from the pertinent government agencies stating that the missed payments could be deffered to the end of the loan.
Product: Credit reporting or other personal consumer reports

RE : XXXX  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. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$0.00} INQUIRIES : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance Corporation AGREED to close account # XXXX. Payment was made on XX/XX/22 via Debit CARD. It has posted on their Ledger and Debited and posted from Bank Account -- -- The account should show AS PAID and CLOSED and they have NOT done so Credit Acceptance Compliance is now AVOIDING MY CALLs. They have NOT met their obligation to reflect account as PAID and CLOSED following several conversations with the Compliance Analyst, XXXX XXXX This account has been PAID and SHOULD REFLECT CLOSED on my CREDIT FILES but it is not As they promised, I NEED A LETTER FROM XXXX XXXX stating that the account has been PAID AND CLOSED ..... 

This company is VOILATING THE FAIR CREDIT REPORTING ACT
Product: Debt collection

Merchants Credit Guide failed to validate debt in response to my validation request.
Product: Debt collection

I've submitted written notices to Blackwell Recovery telling them that I was disputing the debt and it needed to be returned to the original creditor for me to handle. They have refused to do this and claim my rights to do this don't exist. I need them reprimanded for their business practices and the debt associated with my name returned to the original creditor.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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