23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a new loan with Loan Depot and have had two payments withdrawn from my checking account this month resulting in overdrafts. Customer service has been completely unhelpful as I have attempted to have one of the payments refunded. I had set up automatic payments to go out on the XXXX and has verbal confirmation that was in place. A payment went out on XX/XX/XXXX. I called to complain and confirmed the XXXX as the date for withdrawal, beginning in XXXX and told that would happen. On the XXXX XXXX ANOTHER payment was taken from my checking account. I called to complain again and asked for a refund ASAP but nothing has happened yet. I am again overdrawn on my checking account and have made two unexpectedly timed payments this month. My processing team has made inquiries to the servicing branch in NJ and has had idiotic responses.
Product: Checking or savings account

I recently reviewed my bank statements,. I noticed that the Wells Fargo bank had been charging my accounts {$2.00} per non Wells Fargo ATM transactions plus an additional {$2.00} from the merchants ATM. Which resulted in a insufficient fund balance to my accounts. Since then the Bank has returned {$49.00} dollars and a additional {$90.00} dollars credit. The balance owed is {$390.00} dollars. The estimated amount was calculated from  XX/XX/XXXX  through  XX/XX/XXXX  ... .. On  XX/XX/XXXX  I returned to the bank to discuss the remaining balance with the branch manager located at the   XXXX   XXXX   location. The manager stated that there nothing else that he could do and that he did n't understand why the customer service return those additional funds. I explained to the manager that none of my paperwork stated additional funds would be withdrawn. I am seeking all of my funds be returned to my account immediately. Thank for your time account #  XXXX  routing number/ # account  XXXX / debit card  XXXX  Name on the account   XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my identity stolen and someone had tried to open new accounts and made hard inquiries under my name without my permission. 
XXXX XXXX XXXX XXXX XXXX Pentagon XX/XX/2018 XXXX XXXX XX/XX/2018
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding the inaccuracies in my credit report. Despite my submission, Equifax consistently responds within 24 hours stating the accounts is accurate, without providing any evidence of a thorough investigation. The practice violates the fair credit reporting Act ( FCRA ). 15 u.s.c. & 1681i, which mandates a reasonable investigation of dispute. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 u.s.c. 5536 ( A ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( file No. XXXX ) against them for similar violations. I request that the CFPB takes action to ensure Equifax complies with the federal law and provides consumers with necessary proof of investigation.
Product: Checking or savings account

On XX/XX/year> I mailed a Distribution Form to close out XXXX IRA account to American Express National Bank in XXXX XXXX XXXX, Ut. On XX/XX/year> resubmitted form to this bank as a request request with no resolve. Last week called and spoke to customer service rep and she indicated this would be handled in 2-3 days with no results. I feel company has had ample enough time to get this process with no expediting. This should have been resolve within a 2 week period.
Product: Vehicle loan or lease

Hello My family has been through complete turmoil these past 6 to 8 months, First, my father n law passed away unexpected without any life insurance, then our house sold for taxes and we had 15 days to move which we did but it was a hefty cost and then I got sick in XXXX, swear it was XXXX but wasn't tested because tests weren't available yet and then the pandemic shut everything down, Both my husband and I got laid off but my weekly rate is {$110.00} and I was in touch with the lender and they agreed to defer 3 months and catch us up and I felt relieved but then I get a call that my car is being repossessed and they want XXXX to catch the loan up, It's our only car and our only way for husband and me to get to work, He went back this past Monday and I am returning this coming Monday. I didn't plan for our life to be torn apart, We had to go to a food bank for the first time in 10 years and that's disgraceful, Please help us!!! 
Sincerely XXXX XXXX
Product: Checking or savings account

My tenants from my long time apartment building gave me their checks to deposit. As I deposited the checks my account was frozen. After being frozen I was told I am depositing t fraudulent checks. They then called the customer and confirmed they arent fraudulent and they kept the check even after confirming they were meant for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX XXXX was reported late payment on my credit report for the months of XXXX and XX/XX/2020, Which is a mistake. because of that my family life is about to fall apart, I am in the process of buying the house because of that we got stuck, i keep calling to XXXX XXXX at least to email me the letter as the account wasn't late they keep promising to email me but nothing happened over two weeks. it's very unfortunate now I am suspecting because of my accent as an immigrant they thought I can't do anything or I don't know. 
Please help me and my family before things get worse, i already give notice to my apartment and get stuck. if you want to get the proof i can email you all the mortgage documents. 
Thank you and Looking forward to see you Help! 
XXXX XXXX XXXX XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 2016 - I purchased a XXXX XXXX XXXX from XXXX XXXX. They promised me they could get me a better finance rate than I could get. I was in agreement that I wanted my loan to be financed by XXXX XXXX. I informed XXXX XXXX that I did not want XXXX XXXX. My loan with XXXX XXXX was approved. XXXX XXXX sold my loan without my knowledge or permission to XXXX XXXX because they could get more money from them than XXXX XXXX. This is per a XXXX XXXX employee. 

Supposedly, XXXX XXXX records their loan transactions. If this correct, you will see me and hear me saying several times that I do not want a loan from XXXX XXXX! 

I never had a loan with XXXX XXXX. Since I dislike XXXX XXXX, I refinanced with XXXX XXXX XXXX. Experian had informed me that I could write a note on my credit report and disputed it. I told Experian that I want my credit report to show that I did not have a loan with XXXX XXXX, and want it removed. Also, I want it said that XXXX XXXX sold my loan to XXXX XXXX. They said no because they can not say anything derogatory. Why bother to tell me I can dispute it and write a note? Experian obviously lied to me. 

Furthermore, I never gave permission that XXXX XXXX could obtain my credit information and never authorized a loan with them. This needs to be illegal!
Product: Mortgage

The second lien on my property was sold to Home Servicing LLC in XXXX 2017 from XXXX XXXX XXXX. They did n't even have any account number assigned to my property until the middle of XX/XX/XXXX. I had a short sale approved with the first lienholder at the time XXXX XXXX, that told me they also were selling my first lien to XXXX who was to honor the short sale. I finally received communication from Home Servicing on X/X/17 stating that there investor required {$33000.00} to settle the 2nd lien of record. The previous holder of the second lien only wanted {$27000.00}! To no avail, I have had to restart the short sale process and I currently have a contract of sale. Another was made to the second lien holder but received no response from emails, calls, or priority mail delivered letters stating my wishes to pay for Satisfaction of Mortgage. However, I was told by XXXX they could allow for 10 % of the face value of the note which is {$85000.00} so they would only allow for {$8500.00} to be paid and shown on the HUD statement. This company has neither shown me that they purchased this note from XXXX XXXX XXXX nor have they recorded their assignment of mortgage with the County Clerk. The second lien has never proceed with a Foreclosure action and the note of record is well past the Statute of limitations. So any monies they get should be enough. Please advise as how can I get a Satisfaction or Lien release for this stagnant mortgage that clouds the title of the property.
Product: Credit card

A XXXX account was opened in XXXX for business purchases through XXXX 

Charges were made and balances were paid throughout the life of the Company. Sometime during this period, Synchrony XXXX XXXX took over the account. 

In XX/XX/XXXX, the account holder notified Synchrony the account was not a personal account. Synchrony continued to bill me personally. In XX/XX/XXXX paperwork was provided to XXXX and Synchrony indicating the corporation was dissolved. That same month XXXX canceled the account because it was a business account. 

Synchrony continues to report this as a personal account. They have damaged my credit and refused to correct the obvious error. 

The photo below shows they Call the account XXXX XXXX XXXX. In upper left hand corner
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite the dispute submissions, XXXX consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX action may also contravene the Consumer Protection Act ( CFPA ), 12 USC 5536 ( a ) ( 1 ) ( A-B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor, XXXX XXXX, has violated my rights XX/XX/year>. Under 15 USC 1681 section 602 states I have a right to privacy. 15USC 1681 section 604A section 2 it also says a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B A creditor may not treat a payment on a credit card account under an open and consumer and credit plan as late for any purpose.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dear Consumer Protection Bureau , I am writing to formally request an investigation into a matter involving Revolut, a financial services platform. On XX/XX/year>, Revolut made a decision to close my account without providing any clear justification, and as of today, my funds have not been returned. 

The issue originated when a series of chargebacks were made in error against transactions that I conducted with a friend, XXXX XXXX XXXX username : @ XXXX ), through the Revolut app. As evidenced in the attached conversation, XXXX confirmed that the chargebacks were mistakenly applied and that he initiated a dispute for something unrelated to my transactions. Despite this, Revolut has not rectified the issue. 

After contacting Revolut support, I was informed that the matter would be investigated. However, Revolut proceeded to close my account, and I am yet to receive a refund of my funds, which totals {$2500.00}.

I believe that Revolut 's actions are unjust, and I kindly request that the Consumer Protection Bureau investigate this matter. Attached to this letter are screenshots of my conversation with both XXXX and Revolut support for your reference. 

Thank you for your time and attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

My XXXX XXXX XXXX daughter lost access to her CashApp account and had an {$18.00} balance at the time. CashApp will not accept proof of her or my identity and refuses to allow her to recover access to the account or to access the {$18.00} balance. They refuse to tell me what will ultimately happen to my daughter 's {$18.00}, only that we're unable to recover it by any means. Complaint number XXXX filed with CashApp.
Product: Credit reporting, credit repair services, or other personal consumer reports

I couldnt get any of my credit reports for some unknown condition
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter in XX/XX/XXXXXXXX  to Equifax, XXXX, and XXXX asking them to remove information from my Consumer Report that violates my privacy. The companies responded with a reply that was totally unrelated to my complaint. The response was irrelevant and failed to address the nature of my complaint. 

They are violating the law by refusing to protect my privacy AND further ignoring my request for specific removal pursuant to the following : 1. The Privacy Act of XXXX 2. 15 U.S. Code 1681a 2 ( A ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s - 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( CREDITOR ) making the report is NOT INCLUDED on my Consumer Report. Utilization is an experience regarding the use of the line of credit that was extended between the consumer and the creditor. CONGRESS clearly states that the reporting of Transactions or Experiences are not included on the consumer reports. 

3. They did not inform me that I could Opt Out AND they do not have my permission, in writing, pursuant to 12 CFR Part 1016.7 Form of opt out notice to consumers ; opt out methods.

( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 

NOTE : I hereby rescind any authorization, written, unwritten, expressed, or implied to report utilization on the accounts listed in this complaint, now and forever in perpetuity. The accounts remain on my consumer report but my utilization ( customer experience ) is not to be shared and should reflect 0 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need the following accounts to be attended to on my credit reports, I have previously tried to contact each of the following companies to legally validate and verify the accounts they are reporting I have with them, but they have failed to provide me any proof of any contracts with my signature, and have failed to respond to my disputes XXXX, XXXX and Transunion have failed to remove the accounts even after the dispute ended with no verification, or proof of investigation By Law a Collection company has to be licensed in the state that they are attempting to collect the debt in, I have listed the following companies that I have searched in Consumer Access .Next to each company I have listed the search result. I have also attached proof of the search pdf. 

XXXX. ) XXXX XXXX XXXX # XXXX ( NOT FOUND ) XXXX. ) XXXX XXXX XXXX XXXX ACCT # XXXX ( NOT LICENSED IN TEXAS PDF ATTACHED ) XXXX. ) XXXX XXXX XXXX  ACCOUNT NUMBER XXXX ( NOT LICENSED IN TEXAS ) XXXX. ) XXXX XXXX  ACCT NUMBER XXXX ( NOT FOUND )
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX account in the amount of {$5700.00} TransUnion has erroneously reported on my credit profile was Paid In Full and never delinquent in anyway whatsoever. TransUnion has deliberately, knowingly, and intentionally inserted a negative information they know not to be true in order to subvert my opportunity to gain mortgage approval in my quest for home ownership, come end of XXXX, 2021. 

This blatant dishonesty and calculation by TransUnion to hinder my prospect of finally acquiring a home in order to finally move my family, including my special needs fantastic son out of a one room motel accommodation where we've resided for almost two years now is causing me heart wrench  and utter vexation. 

TransUnion must remove their negative information off my credit report and adjust my Scores accordingly with deliberate speed. 

Thank you so much for your anticipated prompt attention to this prevailing issue. 

Yours sincerely! 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft, which has resulted in several fraudulent accounts and one unauthorized inquiry being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue. 

Accounts : [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX ] Inquiry : [ XXXX XXXX XXXX  ] An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of these fraudulent accounts and inquiry to ensure the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I have had a care credit credit card since XX/XX/XXXX. I have paid this card off on more than 3 times meaning the entire balance. I paid the balance in full in XX/XX/XXXX. I received a letter today XX/XX/XXXX stating that my account has been closed due to a periodic credit report being pulled in XX/XX/XXXX that they dont feel Im credit worthy! And also that EVEN though the credit report is old it is their OPINION it wont change. I called the creditor and was placed on hold for a supervisor for greater than 10 minutes without anyone getting back on the phone. I am a XXXX American woman and I feel that my zip code and other identifiable information was obtained and used against me. The csr XXXX could not give me a legitimate reason as to why my account was closed but did tell me I could reapply if I liked to. Which is ridiculous because if my credit is to poor to keep an already greater than 2 years established account open why would I reapply. The website and company also states that there are programs and help for people struggling from the pandemic but that was never offered to me! This company closing my account is negatively affecting my credit and its unfair especially being that the card is not in default well wasnt in default it actually had a zero balance. I have 2 other credit cards with this company and the wayfair account was closed without proper notice or a reason why. I am very hurt and disgusted right now because this is just like redlining but with credit cards. I am a XXXX XXXX  and I have dedicated the last 25 years of my life to help people and to still be treated like a second classed citizen is still troubling.
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 DATE OPENED XX/XX/XXXX - BALANCE {$1600.00} XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$1800.00} XXXX XXXX XXXX # XXXX DATE OPENED XXXX BALANCE {$6000.00} XXXX  XXXX # XXXX DATE OPENED XXXX BALANCE {$410.00}
Product: Debt collection

At the beginning of XX/XX/2024, I disputed a charged-off credit card from Discover Bank for account XXXX and charged-off account was successfully removed from all three major credit bureaus. 

On XX/XX/2024, I received written notice from XXXX and XXXX that the aforementioned account was deleted from my credit report as XX/XX/2024. Then on the morning of XX/XX/2024, the charged-off account reappeared on my XXXX and XXXX reports resulting in my credit score dropping and no longer qualifying to obtain a mortgage loan. 

By law, I was supposed to receive five-day written notice, if debt is to reappear on my credit report. This did not happen. The debt reappeared six days later, without notice, resulting in me no longer being eligible to obtain a mortgage loan.
Product: Debt collection

My account was passed on to Encore Receiveable, once I was contacted by mail I replied with a letter stating this account is being disputed. I also asked for any further contact to take place by mail. They received this letter on XXXX XXXX, 2015. They continued to call me, to the point of 50 times by XXXX XXXX.