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

On XX/XX/XXXX, my card was declined by my bank for unusual activity. I had reached out to them for a phone call and it took them 3 days to call back. They explained my account was under review and would notify me in XXXX business days. I never heard from them so I requested another call back. Another few days go by and am told the same thing. This happened for about XXXX weeks. I was notified by email on XX/XX/XXXX that Robinhood could no longer maintain my account and it would be closed. The amount of {$4100.00} would be transferred to an account that has been closed since 2023. I reached back out to them with the case number provided and asked for it to be switched. They said ok and noted it. A Day or XXXX later, I received an email saying the money was going to the aforementioned account and can't be canceled. I called back that day and all they told me was my account is under review and that all my funds had been removed from my account. I received another email today XX/XX/XXXX, that my accounts have been deactivated. I once again called back and my case number is no longer active. I sent another email, but there has been no clear reasons why this is happening. I'm barely getting by with gas, food for my kids and my last check was just deposited.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I am XXXX XXXX XXXX XXXX female. I writing to request that the information that is on my credit file be corrected immediately, which is causing some of the problems of me obtaining credit and obtaining a business bank account, which I tried to get and failed obtaining from XXXX XXXX. The business that wrote me instead of XXXX XXXX was XXXX XXXX XXXX, which I do n't know anything about and should not have any dealings with or they should not be trying to falsify or make me uncreditworthy by placing false information on my credit file. The address for XXXX XXXX XXXX  is XXXX. XXXX XXXX XXXX Alabama XXXX. The phone number for this bank is XXXX. There is another business I wish to give information about the address is for XXXX Mortgage XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NJ XXXX. The phone number for this company is XXXX. Then XXXX tells me that my credit score is XXXX, which is the worst score you can give a person trying to get a business bank account and trying to buy a home at the same time. I am trying to buy a home, due to living in lapidated housing and, I am trying to get a business bank account, because I am trying to get my business to become financially stable. Also, if possible I was trying to obtain a FHA loan or HOYA grant and loan from XXXX, but that is not possible now, due to the lie of Equifax Mortgage Services. Then XXXX just basically agreed with them and reported a lie as truth on my credit record, which has hurt my business financially and me personally. I am asking that you help me to get rid of this fraudulent information that XXXX XXXX XXXX has on my credit file and that XXXX XXXX has put on my credit record in XXXX XXXX to prevent me from obtaining a business bank account or obtaining any type of credit or cashing a check. Basically, not able to live and exist as a human being should exist. I feel these companies not only violated my civil rights, but also, discriminated against me for no good reason at all, which was based on false statements of a fictitious mortgage ; therefore, hindering me from obtaining credit for me, for my business, to pay bills, to cash checks, to get a line of credit, my poor credit score was due to false information from XXXX XXXX and I will not be able to purchase a house or to move out of my lapidated apartment on XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX inhabitable dwellings in XXXX XXXX XXXX is unsafe and unhealthy for me and my family. In addition to what I have stated, the reason I am writing this information, due to the harmful nature of this fraudulent financial information on my business financially and me financially that is intended to give me a poor credit score, so I wo n't ' be able to obtain credit from XXXX XXXX or any other business bank account for that matter.
Product: Debt collection

Credit Collection XXXX is trying to collect a fraudulent debt on behalf of XXXX for {$600.00} I 've contected credit collection XXXX and disputed the charge with them as well as experian. 

The collection ceased for a couple months and has returned. I 've never lived at the address where these services were used and have credit fraud monitoring, a filed police report, and have never been a customer of comcast, however these services were still allowed and now CCXXXX is pinging my credit for a bad debt.
Product: Payday loan, title loan, or personal loan

This has been the worst furniture buying experience ever!!!!!! This company Acima is a ripoff, bad and rude customer service. 
You all are reporting incorrect account information, the date the account was open, the price of the lease... This company represents bad business practice. 
Lies and Deception. This has forced me to keep and pay for something I don't want!!!!! I have contacted this company many times by email, online chat and phone! Only to be ignored, I have been bullied by this company and my good credit has been damaged by Acima with their fraudulent business practices. 

I first contacted you all in XXXX of 2021 to cancel this account and pick-up the items... Again cancel this account ASAP and Pick-up the items. 
I DEMAND THAT THIS ACCOUNT BE REMOVE FROM MY CREDIT REPORT. I WILL TAKE ANY AND EVERY OPTION LEGALLY TO FIX THIS MATTER. And Acima is breaking the law for reporting late payments doing THE XXXX pandemic. 
This will be reported to XXXX, Consumer Finance Protection BureaXXXX, The Credit Bureau, The Federal Trade Commission.
Product: Credit card or prepaid card

Citi Bank failed to link the correct account to my auto bill pay, thus the payment was returned and attempted to be made again, multiple times. I spent hours on the phone with Citi, correcting this issue. I was even credited fees back due to this being an error on their end. However, I just received notification that they have slashed my limit in half, due to returned payments, that were their fault. I have never missed a payment, the error was ONLY on Citi Bank and their completely incompetent customer service agents.
Product: Checking or savings account

On XX/XX/2022 I opened an account with Truist with a promotion that included a {$500.00} bonus if you had XXXX direct deposits of over {$1000.00}. As part of the account opening process, I sent a real-time transfer from another bank account I am on in the amount of {$50.00}. On XX/XX/2022 after the deposit had posted, I was no longer able to access the account. I contacted the bank and was advised that there was suspected fraud on the account and that it had been closed. I was advised that a pending direct deposit from my employer that was already scheduled to post to the account would be returned. I also received a letter in the mail explaining that any deposits on the account would be returned within 10 days. I was told over the phone that the only way to get the money out of the account is to go to a branch with an ID. I explained that I do not live near a branch with the closest one being about a XXXX hour round trip drive. The agent said that once the account closer was finalized that funds would be returned. 

My employer informed me today that the direct deposit in the amount of {$500.00} that we expected to be returned never made it back. I contacted the bank who apologized that I was informed it would be returned as the " account is closed to all postings '', but it will not be returned. Furthermore, the bank informed me that my ONLY option is to make the trip to a branch and there is nothing they can or will do. I have offered a notarized letter proving my identity and was even OK with them reversing all transactions on the account so that the funds go back to where they came from. They have refused all of these solutions and are holding my money hostage. Although I do not live near a branch, I opened the account because it said it was open to Ohio residents so I was going to use it as an " online '' bank. I need to get my money out of this account or returned to where it came from.
Product: Credit reporting or other personal consumer reports

I was charged XXXX by a company called XXXX I dont even know how they got my information I called us bank to report this 4 times and they say they are working on it and will not credit my account back as a credit They said I agreed to the charges and I never did they sent me a new card but I still have the charge on my account and I dont know what to do
Product: Debt collection

Earlier before today, l had told American Express that because of the COVID-19 emergency disaster and declaration on-going that l will not be able to commit to pay them any money unless l have it. The declaration also calls for non-collection, non late payment reporting to the credit bureaus and for creditors to follow " Fair Credit Reporting '' this time around. l hope this my assumptions are correct because as a business and a person, that is all l heard. 

But today, unfortunately it just came to my attention my credit file contained a collection account from a third party business called XXXX on behalf of American Express. In the conversation, it sounded like American Express deceived this collection agency and gave them my business account balance and told them it was my personal credit card account when indeed l never had or had long ceased to have a personal credit card with American Express. Talking to one Mr. XXXX, he imposed on me that the account in question is my personal credit that l owed American Express. His lies are so bare that he jumped from talking to me to wanting to talk to my nephew XXXX who lives in XXXX and XXXX XXXX, my XXXX  who lives in Indiana. 

Initially l thought l was dealing with a legitimate company but when the callers started mentioning XXXX and XXXX, l knew it was a desperate an intimidation strategy. Mr. XXXX if residing in the US, needs to be deported back to his country of emigration or be put in jail for saying he was calling me about my personal credit account with American Express and still wants to talk to the two individuals l mentioned. My also also has told me they called here cell phone looking for me and both XXXX and XXXX. Anyone in this country with an ounce of sense should understand the meaning of privacy. For how can you try to reach anyone for my personal account. 

l did quickly realize that l was talking to a buffoon when he raised his voice and kept threatening me withe balance which l did not originate as a personal account. This complain is made against American Express and XXXX XXXX agency. What a thuggery of an outfit?
Product: Credit card or prepaid card

In XXXX of last year ( 2021 ) I ordered an icemaker from XXXX through XXXX using my Chase Amazon Visa card. The order was not delivered and eventually disappeared from my XXXX order list. I searched my order history, found the order and cancelled. I then ordered a different, smaller ice maker from XXXX XXXX XXXX on my Chase card, I did receive this one. I realized I was still being charged for the first ice maker as well as the second around late XXXX. I filed a dispute through Chase and the charge was reversed. Early XXXX I received a letter from Chase stating I was denied the dispute and re-charged. In the denial documentation from Chase was attached the shipping information of the first icemaker showing it was delivered to XXXX XXXX My Billing, shipping, and delivery address is XXXX XXXX  XXXX, The complete opposite side of the country from where the delivery of the first ice maker was made. I contacted Chase twice more with this information. Even though " most '' representatives I talked to acknowledged I was wrongly being charged I was told I had to make a formal dispute by Letter through USPS with all supporting documentation. I printed Emails from XXXX and XXXX that both Acknowledge I never received the first ice make and show I will not be charged for it. I Included a letter with this to Chase explaining all this as well. I received another denial letter from chase XX/XX/XXXX. At this point I feel like I am a victim of criminal activity toward me from Chase and would truly appreciate any help I can get with this matter. I will attach the letters from XXXX and XXXX as well as my dispute letter to Chase. For reference the amount I am disputing with Chase for the first icemaker is {$2400.00}
Product: Mortgage

I applied for a loan modification which was temporarily approved for 3 mos. The payments were being submitted as agreed. I attempted to make the 3rd and final payment but it was declined. Caliber Home Loans stated that they discovered a title lien on my property. I advised  them that it was not me. My temporary modification was revoked. I did my part and reached out to the lawyer offices and XXXX XXXX XXXX XXXX XXXX. All companies involved agreed and stated that it wasn't me. However, Caliber Home Loans didn't take the time to investigate or contact anyone. They wanted me to produce a letter from a law firm stating the above. The law office in turn stated that for legality purposes they couldn't produce a letter since I wasn't a client and the mortgage company is well aware of this fact. The law office stated that all Caliber needed to do was call them to verify that I was not the person listed in the judgement. I resubmitted several loan modifications and an appeal which was denied. I was only given the option for a short sale or deed in lieu foreclosure. At this point, my home is about to foreclose simply bc of an error and someone failed to do their job. I'm currently working with a law firm who has verified that the lien isn't mine and helping me with some options.
Product: Debt collection

I received a surprise bill from my dentist. When I questioned the charged, my dentist informed me that they were no longer in-network with my insurance since a yr before. They never notified me that they were no longer in network with my insurance provider. Obviously, I switched dentists but could not afford to pay 2 dentists at the same time. I started paying previous dentist ( XXXX XXXX XXXX XXXX XXXX XXXX ) {$20.00} per month in XXXX XXXX XXXX 2024XX/XX/year>, but they sent my account to collections anyway. My dentist office agreed to allow me to pay monthly until debt was satisfied, but did not honor their word. I started receiving letters from a debt collector ( Wakefield ) in XX/XX/year>2024, so I stopped making monthly payments. From my understanding medical debt less than {$500.00} is not supposed to be sent to collections or be reported to credit bureaus. I owed the dentist {$400.00}. From my understanding, medical debt is not supposed to appear on my credit report until the debt is 1 yr old. Neither happened in my case. I am requesting that this medical debt be removed from my credit report.
Product: Money transfer, virtual currency, or money service

sendwave suspended my account, racial profiling money being sent to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be deleted from my file right away XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just found out that discover students loans is showing on my credit report for a paid off loan. The loan was paid off in XX/XX/XXXX. I received a letter in XXXX this year they reported me in error to the credit bureaus yers ago which I wasnt aware of. Im going out for a job the checks my credit and they mention XXXX which I had never heard of. In checking my report SLc is discover student loans. Looking at my XXXX XXXX today it has dropped. Investigated why and it shows XXXX of my fully paid discover student loan accounts has been delinquent in XXXX, XXXX and XX/XX/XXXX abs Ive been making payments on time in this account since XX/XX/XXXX. That cant be considering the account has been paid in full since XX/XX/XXXX. I spoke with a representative in the phone at discover StudeNt loans abs was told this sort of issue is common and it will take a while for it to get corrected. Im so annoyed with this issue because my father was my co-signer and Im sure this issue is now affecting his credit as well which he never asked for. Im just learning discover student loaves has a past of doing this. I would like to know how I cant get the issue fixed because discover XXXX XXXX XXXX seem to be highly confused and the two companies are not communicating in order to fix client issues such as mines. Im afraid this issue on my credit may affect me in getting a potential job due to them mentioning this negative aye on my credit report.
Product: Credit reporting or other personal consumer reports

Ive noticed errors on my report that are unfairly lowering my scores and affecting my ability to access opportunities. Its frustrating to see mistakes negatively impact my financial future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the CFPB that The company IQ data is reporting incorrect information on my credit reports ( XXXX, XXXX XXXX XXXX ) by law the company is supposed to respond to my inquiry within 5 days acknowledging that they have received the complaint, this was sent to the company on XX/XX/XXXX it is now XX/XX/XXXX and the company reporting IQ Data has not acknowledged they have received my complaint I ask that this incorrect account be permanently BE REMOVED/DELETED from all 3 credit reports IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute in regards to the investigation with items on my credit & its been well over 30 days.
Product: Debt collection

was constantly harassed over the phone, calls were early & late night calls including weekends, I asked them to provide me with dept validation thru email on XXXX/XXXXXXXX & no response
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 XXXXXXXX XXXX {$1400.00} CLOSED ON XXXX, Account name : XXXX XXXX XXXXXXXX XXXX {$1600.00} CLOSED ON XXXX Account name : XXXX XXXXXXXX XXXX {$4900.00} CLOSED ON 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 also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

There were ( XXXX ) deposits initiated from my bank to coinbase. Since my bank was being acquired by another bank, there were internal issues with processing the transactions so all ( XXXX ) deposits were returned as nsf. Coinbases policy is that they auto-recover the funds in 5 days from my coinbase account if the deposit is not successful. It has been over a month and my coinbase account with the non-auto recovered funds and my own funds is XXXX until the deposits are taken care of. This means coinbase never auto-recovered my funds and there is no resolution as coinbase wont allow a deposit attempt again from the same bank account. The total amount that coinbase needs to auto-recover from my coinbase account is {$370000.00} which they are able to do but for some reason are not since my account balance is {$400000.00}. Coinbase virtually has no customer support. I have sent several emails regarding the issue with no resolution but more of a generic response.
Product: Credit card

on the date of XX/XX/year> a fraudulent account was opened in my name for XXXXXXXX XXXX XXXX  in the amount of XXXX this account was opened fraudulently. i gave no one permission to open this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute about three derogatory remarks from a closed account from XXXX. For example XXXX XXXX reported a late payment which is inaccurate and has been allowed to report a late payment from XXXX to my report each month dropping my credit score each month. My credit scores is dropping around XXXX point a month due to inaccurately reported information. Most recently on XX/XX/XXXX my score dropped XXXX points due to a closed account reporting the same late payment from XXXX, but reporting it each month.
Product: Money transfer, virtual currency, or money service

I opened an account with XXXX  which today I found out is a PayPal company but I opened the account to send money internationally to buy used computer parts for my son who's a gamer whatever there called nothing illegal was done at all so I sent some parts back and received my money for the returns on my new XXXX account well I get an email stating my account its frozen for suspicious activity I gave them all information they asked for and now they say my account is terminated and funds XXXX will be held for 180 days while they investigate thats when I got upset they asked me for information I gave them everything they asked for them they say there holding my fund for 180 days I dont know where else to turn