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

On XX/XX/XXXX I was told my a potential lender that my credit report was frozen and could not be accessed. I had them re-submit the request with the same result. I immediately called and spoke with numerous people at all three of the credit reporting bureaus. I was transferred, and given other numbers to call, all people saying there was no problem with my account. The next day, the lender tried again, no luck accessing my report. I again called all three agencies, speaking to multiple people and found that there was a freeze on my account from last XX/XX/XXXX. I asked that it be removed. Next day the lender again had no luck with the credit report. I again called all three bureaus and Equifax finally told me that there was a block on my account and the only way I could remove it was to purchase a " freeze '' for XXXX dollars. I did this and they walked me through the web page to then remove the purchased " freeze ''. My logon screen showed there were no locks and no freezes on my account. On the following Monday my lender once again tried accessing my credit report with no luck. This was about mid day. I called Equifax once again and they again reassured me that there was no freeze and that the request should have taken place immediately ( last Friday ). I then pulled my own credit report on XX/XX/XXXX and noticed that Equifax had my status changed to " File Blocked For Promotional Purposes ''. I called them on XX/XX/XXXX and spoke to several people inquiring about the " promotional block '' and was told this was another additional feature that transpired with the initial lock/freeze back in XX/XX/XXXX but this was never mentioned to me in any previous conversations. I asked for the " promotional block '' to be removed immediately and was informed that it would take 30 days. I asked them to begin the process and noted on my calendar the followup date. I will followup with them but am very unhappy with the run around I have received. I will be back in touch with you if in 30 days they have not removed access to my credit file,
Product: Checking or savings account

My name XXXX XXXX I need card number XXXX XXXX XXXX XXXX expire date and year XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX and online bank username is XXXX and I can't close my bank card out and account out and online bank access out when I call to ask them they say both of my numbers can't get a verify code and I told them I don't know my account number and they won't close my account out and my login out for my online banking and debit out they won't close that out too please close all them out for me and send me proof when y'all do etc. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX # XXXX and Citi Reference Number : XXXX Hello my name is XXXX XXXX what is the updated on my complaint and please also close my account. 
Sent from my XXXX XXXX my name is XXXX XXXX what is the updated on my complaint and please also close my account. 
Sent from my XXXX Please call me at XXXX Hello my name is XXXX XXXX what is the updated on my complaint and please also close my account. 
Sent from my XXXX Please call me at XXXX I still need help closing my account out I never received the code in the mail. 

Please close my account and send me proof when it is closed and my contact email is XXXX please email me back.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft, resulting from a data breach that has compromised my personal information. This breach has led to fraudulent accounts appearing on my credit report, which I did not authorize or open. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am formally requesting the immediate blocking and permanent deletion of the following accounts from my credit report : Unauthorized Accounts to be Blocked and Deleted : XXXX  XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$0.00}
Product: Credit reporting

Clarity Services accessed my credit report on XXXX on XX/XX/2017 which they say is in response to a request from some lender because someone used my name and identification to apply for a loan ... this is a fraud as I have not made any such loan request and my bank account has been hacked four times since XX/XX/2017..so I suspect this is part of overall identity theft ... .I can not pursue this fraud without the name of the lender which Clarity seems reluctant to provide ... I want an immediate freeze on Clarity from providing my credit information to any lender who may request it ...
Product: Credit card

The corporation continues to practice securities fraud as they have not returned any of my monthly dividends to me and they are also committing tax invasion by not paying the taxes on the funds they are receiving. The trustees, indenture trustees, CFO, CEO, parent company, and its affiliates are committing organized crimes ( XXXX ) by knowingly committing the previously mentioned offenses. The above has been occurring since the inception of my accounts, but I just realized this recently.
Product: Credit card

I owed {$260.00} to BankAmericard. BankAmericard sent my bank a payment draft in the amount of {$2900.00} which I did not authorize. I had my bank stop the payment. I contacted BankAmericard who verified this was a fraud from a overseas call. They removed the {$2900.00} from my card. The card was then cancelled and a new card issued. BankAmericard then charged me {$25.00} returned check fee, plus {$2900.00} for the returned check and interest ( to date ) of {$43.00} on this same cancelled account. BankAmericard refuses to remove the amount. They refuse to speak to me on the account saying I have to travel to the nearest card center which is over  XXXX  miles away. They refuse to respond to my letters about this matter. It is now affecting my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Checking or savings account

Unauthorized debit from my US Bank checking account of {$90.00} paid to XXXX XXXX on XX/XX/2023. I have contacted both XXXX ( XXXX ) as well as US Bank Fraud ( XXXX ) several times. Each says the other is responsible for resolving the issue. XXXX urges me to have US Bank dispute the payment and US bank refuses to submit a dispute saying since it is a XXXX  transaction they can not dispute the payment ( I am unclear as to what this is ). XXXX confirmed receipt of payment from routing number and checking account number I provided them and on said date and also confirms my name is not associated with the payment and confirms also they have no account associated with my name and so they are unable to reverse the payment. The XXXX representative with whom I spoke said the payment was made to their subsidiary XXXX XXXX, also an entity with whom I have not ever done business. The culprit is enjoying services purchased with funds from my checking account. And XXXX enjoys revenue from a fraudulent payment. US Bank is supposed to be a steward of my funds responsible for ensuring only legitimate payments are processed. Except they refuse to take responsibility so I seek assistance and advise from CFPB. Thank you.
Product: Mortgage

While pursuing/applying several times for a refi with Wells Fargo, during the review/underwriting process there denial ( see attached denial letters ) reason ( s ) could have been addressed ( see attached email from title company ) before issuing a denial letter ( s ).
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, Which violate 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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for theses violations.
Product: Credit card

XX/XX/25 Citi XXXX ( XXXX ) I recently received the attached letter from XXXX requesting documentation regarding my dispute be sent to XXXX XXXX, SD, see attached. Since all of the documentation already exists in their fictitious disputes department they can get it from them. 

Further, I WANT TO KNOW WHY XXXX  REFUSED TO CONTACT THE MERCHANT AND PUT THE ENTIRE CHARGE BACK INTO MY ACCOUNT???? Tired of dealing with cc corruption eventually I CONTACTED THE MERCHANT MYSELF AND THEY IMMEDIATELY PUT THROUGH A {$160.00} CREDIT TO MY ACCOUNT, SEE ATTACHED. I have explained all of this in earlier detail correspondence, see attached, to the cfpb and XXXX  but nothing gets done with the XXXX  sending me more meaningless demands. ANSWER MY QUESTION ALREADY- I WANT TO KNOW WHY XXXX REFUSED TO CONTACT THE MERCHANT, I.E., INVESTIGATE AND PUT THE ENTIRE CHARGE BACK INTO MY ACCOUNT???? 

STOP RESPONDING WITH NONSENSE AND ANSWER MY QUESTION.
Product: Credit reporting or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 filed the same complaint XX/XX/XXXX, under complaint number XXXX. Recap, both XXXX and Equifax continues to report the error. XXXX XXXX has reported three late mortgage payments, which took place during the Cares Act forbearance period, and signed into law XX/XX/XXXX. I have 2 mortgages and a HELOC. In my first complaint the error was made in mortgage # 1 and to remedy the error the bank has moved the error to mortgage # 2. Neither mortgage or HELOC should have recorded delinquencies during the forbearance period. The error has resulted in a decline of my credit score and the reduction of lines of credit available to me, in several accounts. Why is the bank permitted to play XXXX? This error has resulted in a financial hardship to me and continues. Please address with them.
Product: Vehicle loan or lease

Purchased a car from XXXX XXXX XXXX XXXX, Ga location, provided my information online also had my dad as a co-signer. Went to the car lot and was informed that i wouldn't be able to use my dad as he was not present at the time. So they told me my limit and had me pick out a car, and sign the paperwork I checked that the loan paperwork had all of the correct information and signed. Months went by and the car never showed up on my credit, call the dealership and informed them of the issue they told me to and i quote " give it some more time ''. Ended up checking my dads credit and the car was on his report, we immediately contacted the car dealer and they kept giving us the run around for over 6 months. We then decided to contact Capitol One Auto finance, they were no help either. Tried to file a police report didn't work police informed me that it was a civil matter. Dealership tricked me into giving them the car and filed it as a repo and had the car resold to wash they're hands of the fraudulent loan. Capitol one has not returned my year worth of payments ( {$7200.00} ) nor my down payment that was my XXXX XXXX  XXXX  that I traded in ( {$2500.00} ). As an American state citizen and a as a flesh and blood living being ( non entity/ non debtor ) under oath to the most high of creation only and provided the facts listed herein XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I mailed two different money orders for two different accounts to them for my XXXX payments. On Saturday, XX/XX/XXXX, I received both money orders in the mail. SYNCHRONY stated that they did not know whose account to credit the payments to. I am so confused. When mailing my payments to them, I included a copy of each SYNCHRONY statement, a money order, with my name, mailing address and the last four digits of my credit card. My payments had been mailed to them well in advance of the due date. Because SYNCHRONY was unable to process the money orders, one account is showing past due. They texted me that my account was past due. I am also being charged a {$30.00} late fee. I think SYNCHRONY is intentionally returning payments, misapplying payments so that they can collect late fees. 

Last year in XX/XX/XXXX SYNCHRONY stated that they never received my XX/XX/XXXX payment for one of my accounts and as a result my account was past due. I had to pay XXXX XXXX {$15.00} to get a copy of the money order. SYNCHRONY cashed the money order. I do not know whose account they credited but it wasnt mine. After sending them a copy of the cashed money order, they finally corrected my account. BUT they also charged me an additional late fee of {$60.00}. Because of their mistake, I was out of pocket an additional {$75.00} ( the {$60.00} late fee + the {$15.00} to XXXX XXXX ). 

Because of SYNCHRONY 's mistake, I will owe them {$90.00} in late fees. But this amount is expected to increase as I am sure they will charge me an additional {$30.00} late fee for my second account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice and Demand for Payment  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX , FLORIDA  XXXX   CHASE  CARD POB  XXXX   XXXX , DE  XXXX   XXXX   XXXX / XXXX /   2017  VIA : Certified Mail #    XXXX    Re :   XXXX  CREDIT REPORT #  XXXX  INQUIRY  XXXX  .2017 CE  Consider this notice that you have  30 d ays to respond point by point and with validation exactly according to the points in the attached validation letter or this stands as evidence in law that no debt is due to you.     Further, as a  Consumer and since Chase d id not have my consent or authorization to view my personal property, your actions were intentional, harmed and injured my person to the value of the debt that is invalidated on my persons credit report, the {$1000.00} fine value for the FDCPA violation and the {$1000.00} fine value for the FCRA violation. That makes the total due upon receipt of {$2000.00}. A notice of lien will be recorded against any and all assets both personal and business to recoup this amount due upon receipt, {$2000.00}.         BY :  XXXX   XXXX   XXXX  XXXX  XXXX
Product: Credit card or prepaid card

On XX/XX/2020 I received an email form Bank of America that they were closing one of my credit cards, no explanation given. I then logged into my Bank of America online portal and the account was in fact closed. The account had no balance and was my emergency credit card. Bank of America refuses to provide me a reason as to why they closed this account. This will affect my credit and the current mortgage underwriting I am going through.
Product: Checking or savings account

I scheduled a payment to my mortgage company through Commerce Banks online banking for XX/XX/2023. The money, {$1500.00} was taken out of my account on XX/XX/2023 by XXXX, the company Commerce contracts with to handle their online banking. On XX/XX/2023, XXXX, the mortgage company, sent me notification that my account was delinquent. I called them to find out why. they informed me that the check they received was denied payment by Commerce bank. I called Commerce to find out why since i had over {$50000.00} in that account. Customer service for their online banking is handled by XXXX, the same company that sends out payments. they told me that they had the cancelled check from the payment. I requested a copy of it and was emailed a copy of a check that was written by a lady in Indiana to something called " XXXX XXXX XXXX. '' I do not know either the woman whose account the check was written on or the organization it was written to. The check wasn't even from my bank or account. It was sent by XXXX XXXX XXXX. I have spoken with several people at Commerce Bank, XXXX and XXXX and can't get any answers except, " I'll get back to you. '' or " I'll have someone call you. '' the only exception to that is Commerce Bank. The branch manager and his assistant have been putting forth an effort to reconcile the issue. Both XXXX and XXXX reps told me they opened investigations on it and that I would hear from them in no more than 5 business days. That was three weeks ago and I have heard nothing.
Product: Mortgage

I ordered a mobile through Brewer Quality Homes XXXX XXXX Louisiana. XX/XX/2021 I was told I had to sign my mortgage loan papers SIGHT UNSEEN, so I was told, so that the Permits could be released for the trailer could be transported & so that the loan or interest rates expire. Once the trailer was set up is when my mortgage payments started which was approximately XX/XX/2021. Once I was able to see the inside it was a disaster!! I notified XXXX XXXX of the condition that the trailer was in, they would not back up the due at all. As of todays date XXXX XXXX We are still not in this poorly crafted trailer. The mortgage company is in with the dealership & are just worried about when will I be making my payment! I continue to pay my mortgage in good faith. I have asked numerous times for a breakdown with a dollar figure on every and everything that I will be paying for for 30 years. XXXX XXXX & XXXX continue to send the spec sheet which only explains what is in the trailer! I included the utilities, so how much are these charges? It slipped through the cracks the the trailer was XXXX, but I was charged over a XXXX plus, so what am I being charged for, XXXX in account for! 
Fraud, misrepresentation, bait & switch, just a few of what Im dealing with, not to mention taking advantage of a handicap person & my customer rights according to the Frank Dodd Act. Very disappointing to know that customers like me & so many others are being taken advantage of by these two companies! I have been thrown to the wolves!
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"
Product: Credit reporting or other personal consumer reports

I contacted consumer reporting agencies Equifax and XXXX on XX/XX/23 to let them know that there are unauthorized transactions on my personal report that I want removed immediately. Both agencies told me that they can report any information sent to them from any company and they will not help me. I informed them again that the transactions are unauthorized and unvalidated but neither agency would remove the information from my report.
Product: Vehicle loan or lease

My NJ car lease matured on XX/XX/2020 during COVID times. I care for my XXXX elderly mother who lives with me and I am her XXXX  so I could not get out with the pandemic and my mothers condition being high risk so I couldnt expose her to covid. I was in continuous contact w the lease end dept but kept going in circles getting calls sayingy account wasnt coded to COVID and several other miscommunications. The customer service connection has been horrible. I was never given an Expiration date and am now advised that my account has been charged off I have held this lease for 4 years and have Never been late or missed a payment and now told my credit is affected Im requesting this be resolved and credit issue resolved and I will purchase car if necessary but Im truly not ready but if I have to I will but seeking help to direct me on this matter and clear the credit issue. I have sent the bank a complaint letter today also after all my failed attempts to fix this. I am begging for help on this matter.
Product: Debt collection

I DO NOT OWE PROFESSIONAL ACCOUNT MANAGEMENT AND CALLED XXXX TO CONFIRM ON SEVERAL OCCASIONS. THEY HAVE AN INVALID ADDRESS AND MY DAUGHTER CONTACTED ME STATING THEY SENT A COLLECTION LETTER. ONCE I CALLED AND VERIFIED THE DEBT IS NOT MINE, IT WAS CONFIRMED THAT IT WAS CLOSED. THIS COMPANY THEN CHOSE 30 DAYS LATER TO CALL, AND SEND INVALID COLLECTION NOTICES AFTER CONFIRMING THE DEBT LESS THAN XXXX IS NOT MINE. THIS COMPANY IS VIOLATION COLLECTION LAWS BY CONTACTING ME.
Product: Checking or savings account

I tried opening a bank account but was denied because Bank Of America has me in XXXX  with suspected fraud but I never opened a Bank of America account. Someone fraudulently opened XXXX under my name without my knowledge.
Product: Credit reporting

After 3 requests sent certified mail with electronic delivery confirmation Transunion is still reporting the same inaccurate information. They send back a statement that says it has been verified even after 2 requests for method of validation and who they spoke with. I have requested they delete the trade line due to their lack of verification or proof that this is in fact my debt at all. I do not understand how they can accurately report information that they do not have.