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

I tried opening a checking account online, but was told that truist couldn't verify me and was suggested i visit a branch instead to open an account, so i did. I opened an account yesterday at your XXXX XXXX location ( XX/XX/XXXX ) and the lady ( XXXX  ) that helped me open an account was helpful, except there was one thing she said that caught me off guard. I asked for the temporary debit card that your sites clearly states someone will get when opening a checking account ( proof shown below ), but was told that wont receive one. I receive an email the next morning that states my actual debit card was shipped out and i should receive it in 5-7 business days, the issue is the email also states that i need to destroy any temporary debit cards that i might have when i receive the actual card ( proof shown below ). I then visited a branch located in XXXX XXXX instead ( XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX ) in hopes to actually get the temporary debit card i was promised twice so far. The blond lady i spoke with told me multiple times that i cant get a temporary debit card ( even after i showed her your site clearly saying i can get one ) and she also said that i apparently have to wait at least 90 days before i can get an actual debit card. While she was explaining that to me, i overheard the manager in the background talking with another employee about temporary debit cards, meaning it heavily looks like I'm simply being discriminated against for some reason.
Product: Checking or savings account

Merrill lynch accepted my deposit but will not return my funds and they did not send the check back because it was already cashed I have paid the other party back last year because it was a mixup somehow that has nothing to do with Merrill lynch the check was cashed with Merrill lynch and XXXX paid them .the check was rejected from the other party and not accepted because they were not supposed to try n deposit it anyway but that situation has already been handled and they have their funds but I dont I have not received anything from my check that Merrill lynch cashed n Im not stopping until I receive my funds they just disbursed them again and now I see Im going to have to get a lawyer and file a lawsuit the check was with Merrill lynch first not the other party and Im also suing the other party as well for falsified documents and lies I have a right to change my mind and thats where the discrepancy came in Merrill lynch has my funds and I want them next Im calling the IRS and attorney general my account was not supposed to be discussed with my permission anyway and furthermore the money was their for a month in a half then gone I even tried to put a stop payment but it was too late because Merrill already cashed the check they didnt return anything the other party did fraud not me and I can prove it that is my tax refund money and I want what belongs to me. Its been 13 years with Merrill lynch and my race also is a problem with them Im filing a lawsuit and the check could not have went back or funds either cause XXXX  is not accepting anything due to account closed.
Product: Credit card or prepaid card

On XX/XX/2019 I called Chase credit card company to tell them that my payment will not be able to be made until XX/XX/2019 even though it was due on XX/XX/2019. I informed the associate that I had lost my job and found new employment but will not get paid until XX/XX/XXXX. I told her that when I get paid I will pay the bill in full for two months - {$350.00}. She then said that she will notate the account to give me until the XXXX. I thanked her for her generosity and ended the call. At no time did she give me any other disclosures nor did I consent to anything regarding a payment. On XX/XX/XXXX I logged into my Chase online account and made my payment for {$350.00} with my XXXX XXXX checking account because I received my first paycheck. On XX/XX/XXXX I received a notice from XXXX XXXX ( whom I have a checking account with ) that my account was over drafted by {$150.00}. When I looked there were two payments for {$350.00}. When I logged into Chase it showed that an automated payment was processed XX/XX/XXXX and went through XX/XX/XXXX. This was without my consent or permission nor was I informed that she was doing that. Never at any time did she read a disclosure to me telling me that she was setting me up on auto pay. I manually pay my bills all of the time. I called chase and spoke to a male supervisor who informed me that because my credit card was over the limit, they couldnt guarantee me to get my money back into my bank account. I filed a complaint with chase around XXXX on Monday XX/XX/XXXX with that supervisor and then called again that evening on XX/XX/XXXX around XXXX and informed a female supervisor that I was going to file a complaint with the consumer finance protection bureau. In both cases - with the first supervisor and the second supervisor, they did not show any empathy or care for my situation - they only focused on my account being over the limit and did not seem concerned when I told them my account is over drafted as a result of this unexpected expense AND that the employee who set this up without my knowledge violated my rights by withdrawing money without my permission. I filed a claim with XXXX XXXX to help me because Chase was being uncooperative and did not want to help me. They agreed to waive any fees and reimburse me and I agreed to let them know if chase does anything to help me in the future ( but I highly doubt it ).
Product: Credit card or prepaid card

In XX/XX/2022, I stayed in the XXXX XXXX XXXX in XXXX. I was charged correctly for the room, but after my second night out of XXXX, I saw a charge for XXXX USD. I asked the hotel what that was for, they said they don't know, And that they did not put the charge through. I have been since trying to reach Barclaycard US and wrote them a dozen times, But did not get a response, I even wrote The presidents office, But got no response. Investigations only told me that they authorized the charge, Never explained why, what the charge is for or why the hotel doesn't even know about it. I have a copy of the email, where the hotel wrote me they don't know about the charge. Since I didn't pay the charge of XXXX, it has since then increased to XXXX USD with late fees and interest, And my credit score dropped XXXX points, All because of a fraudulent charge that no one told me what it was for. It has been 7 months, and no one until this day canceled the charge, responded to my concerns or anything really.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX XXXXow.with no help.
Product: Mortgage

I recently contacted our mortgage lender to initiate a loss mitigation application to see if our loan would qualify for a modification. As of XXXX XXXX, 2016 all requested documentation was uploaded to their document portal and they have informed me the request will be reviewed within 30 days. 

I received a letter, dated XXXX XXXX, 2016 that states Caliber Home Loans is transferring our mortgage to XXXX XXXX XXXX, effective XXXX XXXX, 2016. 

I just finished yet another telephone call, expressing my concerns for the loan being transferred while the loss mitigation/modification request are in the middle of review. 

I fear our loan is going to slip through the cracks. We do n't want to lose our home of 17 years because our voice was not spoken loud enough. I need this company to pay attention to the issues being addressed. Currently, I feel as though we are another loan being sold, another number on the books and we are at jeopardy of losing our home due to this companies oversight/negligence. 

At the beginning of this process, I did contact XXXX. They referred me back to the lender, stating if there is anything at all that could be done, any government program we would qualify for, Caliber Home Loans would know about it. 

After working with this company for the past few months and especially after receiving notice of the transfer, I do not feel as though they are trying to help whatsoever and just want to pass the buck to the next lender. 

Please help.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which 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 caused significant inconvenience and financial loss, and I seek appropriate redress for said violations
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally express my deep concern and dissatisfaction with the credit reporting practices of TransUnion. The mentioned agency HAS NOT OBTAINED MY CONSENT for the report of a bankruptcy and closed XXXX XXXX account attached to bankruptcy on my credit profile. This company needs to remove this due to violations of Metro 2 compliance and inaccuracies in reporting, as mandated by 15 U.S. Code 1681e ( b ), Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Also violating the Privacy Act of 1974, which states No agency shall disclose any record contained in a system of records by any means of communication to any person or another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 
I, as a federal protected consumer, HAVE NOT given TransUnion any authorization whether written, unwritten, verbal or non-verbal, to share my private information and/or records. Otherwise, I request that the company provide me with the date, time, name of the person spoken to, and my wet ink signature authorizing the furnishing of this disputed information. If this information is unavailable, immediate removal is imperative. 
I AM NOT REQUESTING VERIFICATION OF ACCOUNTS ; RATHER, I AM DEMANDING COMPLIANCE WITH THE LAW AND REMOVAL OF SUCH REPORTS, given that an identity theft report has already been filed with law enforcement. Notably, this information IS NOT being reported by other major credit bureaus, as evidenced by the attached documents. 
If the company decides not to comply with the US Codes and Laws stated, I will not hesitate to pursue legal action to resolve this matter.
Product: Credit card or prepaid card

Around XX/XX/2017, I opened a new Business Platinum credit card with American Express for a newly formed company ( XXXX XXXX, XXXX  ). While some charges were made to this account for a remodel project, ultimately, I decided not to proceed with the business, and I subsequently closed the credit card. Any charges made on the card were timely paid in full. 

At the time I closed my account, I had at least one other ( personal ) account open with American Express. Under my Platinum Business Card, I had earned ( and redeemed ) Membership Rewards points, and I had substantial additional points still in my account. 

When I called to close my account, no mention of even the possibility of any of my points being deducted or withdrawn from my account was ever mentioned. Many other terms and conditions of my account closure, some of which were not nearly as material, were mentioned by customer service representative. 

The Membership Rewards points were not deducted from my account immediately upon account closure. I am not certain exactly when they were deducted, as no notice was ever provided to me, and I only realized this issue when I logged into my account online a month or two later to check my personal Green card account and I saw a negative Membership Rewards account balance. 

Only when I contacted the Membership Rewards team, was I informed, for the first time, with regards to the 12 month minimum time period to keep an account open. They told me this was in the " fine print '' of my terms and conditions agreement. I was quite upset about this ; had the original Customer Service representative I had spoken to while closing the account brought this to my attention, I could have easily met the requirement. I was further informed that the 12 month period is only sometimes enforced- only when American Express believes that there may have been account abuse. I find this assertion ludicrous and insulting. I opened a new business, including the filing of required forms and documentation with the State of California, hired an attorney to prepare partnership documents and other matters, and opened credit cards and checking/savings accounts for the business. When I determined not to keep the business as a going concern, I did what any person would do, which is to close all the accounts associated for the business.

I have used various American Express cards and products for many years, including when I was a minor under my parents accounts, and I have never had any issue opening or closing accounts as per my needs may have dictated. Additionally, I have never had late payments or accounts not in good standing.

I have attempted several times to resolve this issue and get my points returned by AMEX simply refuses to do anything about this issue!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2021
Product: Credit reporting

The following information on my credit report is fraudulent. I have no knowledge of these hard inquires on my report. 
1. XXXX XXXX 2. XXXX 3. XXXX XXXX XXXX I will appreciate if these inquiries be remove from my credit report. 
Thank you.
Product: Debt collection

Wakefield Associates called me and told me that they were trying to collect a debt for {$2100.00} and I told them that all my bills are paid and they need to go back and check their records, i thought it was a scam so I hung up the phone. 
On XX/XX/XXXX first thing in the morning i started receiving reports in my email that my credit report was losing points because of a major derogatory mark, i found out it was Wakefield Associates so looked up their phone number and called. I talked to a guy named XXXX XXXX he was not nice at all ) and told him that i did not owe any bills and had not been to the facility in question where the bill was from. He asked me for my birth date to verify my identity and when i give it to him he said it did not match what was on his records so i give it to him again and he said it did not match. 
I ask what was the birth date he had on record and he said that he could not give me any information and I told him that is because it was not me and now my credit is taking a hit because they are calling the wrong person. he said i could dispute it and I asked him how and he said to call the credit bureau. 
I then called the company billing dept that they claimed i owed and they dont even have me in their system. 
Today Monday XX/XX/year> i received another call from Wakefield at XXXX XXXX  and this time I talked to XXXX XXXX ( she was nicer ) she asked to verify my identity and i told her that i will give her my birth date but it won't match in her system because they are calling the wrong person, i give it to her and it did not match. i told her i was reporting it to the FTC and she said she would put it in her records that it was being disputed. 

I just want this off my records so i can have my credit back, i have worked hard all my life to keep great credit and it is wrong that a company can just do this and i have to go to great lengths to restore something that should not have happen.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and XXXX  XXXX XXXX have charged off both accounts back in XXXX and XXXX was XXXX. Since then both accounts was sold to two different collection companies ( XXXX XXXX XXXX ). As of XX/XX/XXXX XXXX  XXXX XXXX and XXXX  XXXX back have being the accounts charged off are still up dating this to my credit report violation of Fdcpa 604f of the FCRA 15 USC 1681. 15 usc 1666b,,, 15 usc 1681i 15 usc 1681s-2
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Back In XX/XX/XXXX on My XXXX   XXXX card I was late on a bill due to a death in the family and I never got the bill in the mail. I had called In XXXX when I paid and brought up this situation about my late charge from month prior and late fee. The customer service rep said they would remove the late fee from my credit report to all the credit agency 's as a courtesy since I always pay on time and this was a time offense. 

Over the past few months I have not looked at my score. Today on XX/XX/XXXX I realized this wasn't removed tried to call customer service since they were the ones back In XXXX who told me this would be removed. They told me to write a letter so I figured best to come here so you guys can resolve it quickly as I'm trying to fix all inaccurate things on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. 

XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX {$3800.00} XXXX XXXX XXXX {$1000.00} XXXX, XXXX XXXX {$140.00} XXXXI XXXX {$250.00} XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX {$600.00} XXXX  XXXX {$31.00} XXXX  XXXX {$31.00} XXXX XXXX XXXX  XXXX XXXX {$12000.00} XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX {$8100.00}
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report a separate fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent account consist of a auto loan The account have a fraudulent account appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said item cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agency TransUnion Consumer name : XXXX XXXX XXXX Social Security Number : XXXXonsumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card XXXX XXXX XXXX {$300.00} opened XXXX, also inquiries XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account have resulted in a fraudulent account appearing on my consumer FICO credit report. I've attached a a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned account reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer auto loan are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the account identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX