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

On XX/XX/2024, I received an email from Credit Karma, that my Save account has been locked for my protection. Upon checking my account, it states both account are frozen. I also have a checking money spend account. The email stated, I had to wait for an email for me to confirm any information. It also stated, that I can call in and say Resolution Team. When I called the number, I was told that there is no resolution team to transfer me to, and the only form of communication is through email. I havent been given any answers to ANY of my questions, only been told to wait for a response from resolution team. It is the beginning of the month, I just got paid the previous day, and I have bills to pay. I dont have access to my money, and I dont have any other bank account with money to pay my bills. It seems I am getting the run around, Ive XXXX  this issue, and it shows other people have had the same issue. I was not contacted about potential fraud or nothing, just an email saying my account is locked. They also have lied through chat that they couldnt pull up my account because Ive contacted them from a different email. All of my correspondence has been through the same email associated with my account. I wasnt contacted about my account being locked before it was, and every customer service agent I speak with, says they cant offer me that information because they do not know. I even tried speaking to a Supervisor and still received the same results. Please help!
Product: Money transfer, virtual currency, or money service

XXXX used by two retailers. XXXX in XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX in XXXX. The square system did not allow me to send transaction receipt to email I enter. It defaulted to a previous one which happens to be my work email. That is a violation of my privacy with my workplace. XXXX advises today that when I enter email for receipt, I auto opted into a default email. Never got such clear language when entering email. I just wanted digital receipt at the time. There should be opt in to auto email vs intrusive process to opt out of auto receipts.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my Gmail emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never received a loan before by any agency, ever in my life. I have never had a credit card and every attempt that I have made to get my financial reports has been denied or seemingly altered. I have tried using credit karma, XXXX, and XXXX, so far with no success. I do not know of the extent of the compromisation of all of my financial involvements and I do not know who is involved or who could have possibly been involved. Today is the first time that I have tried to get any type of information about any compromises with any of my financial involvements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXXXXXX XXXX APT XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION 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, credit repair services, or other personal consumer reports

This is so despairing. What is happening with you ( CFPB ) and the bureau ( EQUIFAX )? FYI, I have submitted this complaint 4 times already & you still claiming it's being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm sick and tired of this! The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & EQUIFAX with an affidavit & FTC fraudulent report to support my position. It seems EQUIFAX is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer NOT to engage in a legal proceeding, such as filing a lawsuit. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX XXXX XXXX XXXX & XXXX ( Original XXXX : XXXX  ) XXXX
Product: Credit reporting or other personal consumer reports

We received a notification letter from Lendmark Financial Services ( XXXX, NC per their letterhead ) dated XX/XX/XXXX. 

The letter stated that " no credit decision had been made on an application they received on XX/XX/XXXX ''. The letter then requested we contact them to complete the application. 

I contacted their XXXX office ( per instruction ) to ask what this was all about, since neither my wife or I applied for credit. The receptionist ( first person to answer phone ) did confirm that there was an application on file but would not provide any other information. She gave me a phone number to call to further inquire which I called and after following prompts could not get to a live person. 

I called XXXX back and spoke to XXXX XXXX ( at least that is what he said ). He could not answer any information but did put us on a 3-way call to their customer service department. The person identified herself as XXXX XXXX or XXXX ( in GA ). She recommended I check our credit with XXXX to see if " something '' had gone through our credit report. She also said that she would report " any fraud '' that I found. Lendmark did do a " soft search '' of our credit- without our authorization so I called her back to make a report. I couldn't get to her but then spoke to an XXXX XXXX ( in AZ ) who told me they don't make fraud reports! I was then instructed by XXXX to contact the FTC who then sent me to CFPB. 

I am making a fraud report to you since Lendmark did not gain our permission to look into our credit.
Product: Credit reporting or other personal consumer reports

on XXXX XXXX had an issue with applying for a XXXX XXXXXXXX XXXX XXXX doesn't give you any info if they have received or are processing the request for a XXXX XXXX and use a QR code. I then had to spend hours on the phone and ended up with EQUIFAX speaking to XXXX who was very helpful in freezing my account and updating my INFO. 
SHOCKED that my DOB was wrong and other stuff and at XXXX had never had an issue and never pulled any info due to issues with credit score etc so I never bothered. Meanwhile, I have multiple applications over the years for credit and never a problem due to the source checking all the facts and the last being XXXX XXXX XXXX with this video on my phone of my profile etc - saying my SSN over the phone where people could hear and other sensitive info. So that was earlier this year and buying a car in XXXX so something should FLAG THIS and be verified if there is a mistake and just gets overlooked? 
Meanwhile I get turned down basically for this instant XXXX credit per se. SINCE I was informed by text that XXXX XXXX XXXXXXXX approved a credit app for XXXX XXXX XXXX XXXX and called them and had it removed. I then called EQUIFAX- they show the XXXX XXXX XXXX and I advise of a credit text from XXXX XXXX this isn't showing up on my report so guessing my XXXX was hacked or the QR is hacked. There is a multitude of issues, but just starting with my EQUIFAX problem for now, I received XXXX letter today and wants me to call within 14 days. I'm not sure why they can't process in store but using phone isn't safe with QR. We need to stop this process. Many hours on phone and no one really cares and now I know I need to check my credit report for accuracy. Also my score is down so how do they know what my income is. I'm married so no questions or info verification is shown and guessing they look at my SSN. This is too confusing since I don't have a single blemish on my credit and I'm not overextended as I pay off everything and really isn't very clear to me what these standards are. Not pleased with their assessment of my credit. Used to be in XXXX XXXX I did apply for this in my name only as well as the furniture so not clear on that issue either,
Product: Checking or savings account

Bank addressed in this complaint : CAPITAL ONE BANK I've been a Capital One customer for several years, for both banking and credit cards. Just recently, I've started doing XXXX transfers a little more than usual during the last month, the amounts are low, none of the transfers go over {$600.00}. Capital One suddenly decided to freeze my two checking accounts. When I contacted them over the phone, they didn't specify why they froze my accounts, I was trying to cooperate and answer any questions that they had ; at first, I thought it was just an identity check, but later realized how disrespectful, intrusive, and discriminating they can be ... a representative with employee ID XXXX starting asking all sorts of questions, Among the questions asked were : Who do I live with, where have I traveled to in the last few months, what devices I use to login into my bank account, the names of my close relatives, why the use of XXXX transfers. She also asked about every single person that has sent me zelle tranfers, or that I have sent zelle transfers to, questions like- my relationship to them, what the money was for, if I know them in person, the phone numbers of the persons etc!!! 

Why would they allow XXXX transfers in the first place? They treat clients like criminals
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 

XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX  XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, AND XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hi Team, This complaint is regarding the account settlement issues that I am having with Mazda Financials. Account Number : XXXX Car Model : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was involved in a car accident on XX/XX/XXXX where I was rear ended by a drunk driver. The car was deemed a total loss by the insurance company and a check of XXXX USD was issued to Mazda financial. 
Even though it has been almost 2 months since Mazda have received their payments, they have been calling me continuously to collect money and make my account current. I have explained to them several times that the payment was received by Mazda. They seem to agree that the payment is received but still keep calling me.

As of today, I saw my credit score went down by over a XXXX points. This is because of incorrect information provided and furnished from mazda financial. 
Can you help me get this resolved please? I have explained to several representatives from Mazda of this situation and they have also told me that they will expedite and get this fixed. But this has not been taken care for a long time now.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I had initiated an online bank transfer from Chase Bank ( Savings account ) to XXXX Online Bank for the amount of {$15000.00}. My fianc and i had just created a joint savings account through XXXX bank and had linked both his bank ( XXXX XXXX XXXX ) and my bank ( Chase ) through HIS profile. 

After two business days, the {$15000.00} had been pulled out of the Chase savings account, but ended up being rejected by XXXX ( rejected transfer ). I got an email from XXXX saying so and to call Chase about this issue. I wanted to find out the reason for the issue, so after a call to XXXX, they said that even though we had a joint account, we still needed to have our own SEPARATE online profiles. Our account was temporarily suspended ( security purposes ) until we created the new profile. I created a new profile for myself and the suspension was lifted and I then was able to link my Chase Savings account successfully. However, the {$15000.00} that was pulled out of my Chase account initially was still never returned to me. The money was neither in XXXX or Chase. 

XXXX bank said that since they rejected the transfer, they had pushed the funds back to Chase ( sender ). 
When we called Chase, their claims department said they can not do anything and should contact XXXX ( recipient ). 

After going back and forth between calling these banks, we decided to put both banks on a conference call ( XX/XX/XXXX ). The account manager ( XXXX ) from XXXX bank asked Chase to use an ACH return code : XXXX to do a manual recall of the funds to the appropriate account, and after explaining that the transfer was rejected, Chase said that this situation does not fit ANY of the scenarios they had in the system. Chase apparently had never been through this situation so did not know how to respond, and they could NOT do a manual XXXX recall. After staying on the phone for over two hours and being transferred to numerous departments, Chase again said that XXXX ( being the recipient ) must do something on their end. The manager at XXXX said that she would escalate this situation to upper management. On XX/XX/XXXX, she called me and basically said the same thing I've been hearing for a month : " unfortunately, there is nothing on our end that we can do and you need to resolve this with Chase bank. Tell them to issue an XXXX recall. '' -I went to a Chase branch in person multiple times and told them about the problem i was having and they had me fill out an ACH claim form. A week later i had received a letter from XXXX stating that the situation was resolved and no further action was needed, even though nothing had been done. 

It has been over a month now and I would like to escalate this situation as far as I can in order to get my money back into my account.
Product: Credit reporting or other personal consumer reports

I have reached out to TransUnion numerous times regarding inaccuracies on my account, but despite my efforts, these issues remain unresolved. Under my circumstances, I have submitted dispute requests and provided documentation to support my claims, yet no progress has been made.

In contrast, I have successfully resolved similar issues with XXXX and XXXX through the Consumer Financial Protection Bureau ( CFPB ) process. I would like TransUnion to know that I have taken proactive steps to address these discrepancies with other credit reporting agencies and expect the same level of resolution from TransUnion.

It is essential that my disputes are reviewed thoroughly, and the inaccuracies on my account are corrected promptly, trans union does not meet my credit reporting standards needed as I am homeless. Please prioritize my case to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and avoid further escalation.
Product: Credit reporting, credit repair services, or other personal consumer reports

After changes were made to my Credit Report, I requested an updated one, but haven't gotten any response its been almost 90days.
Product: Money transfer, virtual currency, or money service

On XX/XX/24 my computer came up with a notice that it had XXXX viruses, so I googled XXXX XXXX on another device and called who I thought was XXXX XXXX, but it wasn't, it was a hacker. He downloaded an app called "XX/XX/XXXX '' and was able to access my computer. I repeatedly asked if he was for sure working with XXXX XXXX and each time he replied " Yes ''. Once he had access he stated that he had to generate charges to track the hackers IP address. Between XX/XX/24 and XX/XX/24 he created {$14000.00} charges on my Chase Bank debit card from XXXX ( which XXXX concurs are fraud charges ) and on XX/XX/24 {$1600.00} worth of charges on XXXXXX/XX/XXXX ( which XXXXXX/XX/XXXX concurs are fraud charges ), but XXXX will not refund any money because they state I authorized the charges by letting them into my computer. The hacker also generated and {$83000.00} wire transfer to XXXX XXXX on XX/XX/24 that Chase Bank also will not refund. I also tried speaking with the XXXX at XXXX XXXX about the misrepresentation and he only stated he wasn't aware of any issues like that. My husband and I have filed reports with the FBI, local police,XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX FTC, Identity Theft and anyone else that will listen or talk with us.
Product: Debt collection

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 

WESTLAKE FIN, balance is {$11000.00}, and account # XXXX
Product: Mortgage

in XXXX I made payments of over {$1000.00} dollars have them confirmation numbers and they brushed it off as dome sort of mistak i paid ot and now there using my back payments which I have paid as nit being paid. Please investigate the company they are ripping people off
Product: Credit reporting 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. I told XXXX, XXXX y equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Checking or savings account

On Sunday, XX/XX/2019 I attempted to withdraw cash from a Suntrust ATM, however, upon putting in my card, there was no option to withdraw cash. Assuming the machine was simply out of order, I drove to another Suntrust but encountered the exact same problem. Upon contacting my parents, I learned they had the same issue that day. So Suntrust was essentially making it impossible for us to access funds. I had to drive to another bank and pay a {$3.00} fee to withdraw money. Now Suntrust has charged me an additional {$3.00} fee for using another ATM. This is absolutely ridiculous- their machines aren't working and they are going to charge me for getting my funds out via another bank? This seems an awful lot like holding my money for ransom.
Product: Debt collection

This is a American express card and I have never had one or applied for one I have called them 5 times trying to get to stop calls. They continue to call and harass me at work.
Product: Credit card or prepaid card

I have used synchrony bank because it is tied to a card through XXXX they offered years back. Supposedly they have an internal or third party deal with a company called card security which essentially is automatically enrolled in a shady way when I signed up. After 7-8 years I just have come to realization they have charged me over a XXXX dollars possibly thousands of dollars for a service I never wanted or agreed to with a concious awareness. I called card security and they refuse to refund any charges past a year ago. Synchrony bank seems to work with them but will NOT dispute any of the charges and tells me to call them and they can not do anything. Card security says this is a final decision and will not offer me refund of the thousands they literally stole and charged me. I hope to find relief in your solutions and also this must be happening to millions that use the card. The company is a scam loophole it seems in the system ( card security ) and synchrony bank dosent seem better for working with them. Unfortunately this is the first time Ive ever had to reach out externally from a credit card company due to them not helping me recover the charges through disputes. Neither will cooperate. Thank you.
Product: Student loan

On XXXX, MOHELA suddenly changed my student loan from SAVE to LEVEL. I have been on REPAYE for years because I am working toward PSLF. I received a letter saying my loan had been put on LEVEL ( aka Standard ) but the letter did not give a reason. I filed a complaint and refiled for an IDR ( even though I have an approved IDR from XXXX ). I looked on studentaid.gov and what loans qualify for SAVE and mine do qualify ( Direct/consolidated/unsub ). 

I searched the internet to see if this had happened to others and there is an entire XXXX XXXX of others detailing this same problem. 
XXXX XXXX XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

I went to Chase Bank online and access my account and try to review the Bill Payment I made to XXXX XXXX and XXXX and there'e option to get proof of payment but when I download the documents did not allow me to save the document nor print I understand many of the option are self services but should accessible via Computer, Laptop, Tablet and Mobile and I should be told by the staff such Customer Services or Bill Pay that they unable to print and mail proof of payment to the customer and I was informed that go to branch and ask a Personal Bank and this office as well I know that they are not speaking with customer and I told that the not the account and could not give me reference number to complaint I made. All online banking self should be access to the customer. They should be able to mail the Bill Payment information upon request. Please investigate and all misconduct and mismanagement found all individuals be convited according to United States Federal Regulations. There will not option to select Checking Account nor indicated it Bill Payment Complaint on this website