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

I first filed a complaint because every time I call Im on hold for hours PLUS I filed a disputes for charges that were not mine and my claim was denied. Truist retaliated against me for filing a complaint that they THEN blocked my debit card and said Ill never be able to have another debit card with them. I can use my three accounts with them but never a debit card. They didnt block it until my complaint got submitted. I have been with them for years and never had any problems. After I submitted my complaint I get a email from Truist saying if you have any questions call this person and here is their number. Ive called that person many times a day for a few days and no one ever picks up or calls me back. I even emailed XXXX who sent me the email with her number and I havent received a email back either. I think I this is unfair to make people wait hours on hold and when they have charges on their account that is not theirs to not give them credit and then when the consumer gets upset about this you block their debit card. Also I am showing a screenshot of my typical day calling for last 2 weeks. On hold for four hours. I gave up after that.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report. As a victim of a data breach, the following entries are unauthorized and must be removed pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts XXXX/XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$630.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$170.00} XXXX  XXXX  - XXXX - XX/XX/XXXX - {$380.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$2400.00} XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$2400.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$780.00} XXXX - XXXX - XX/XX/XXXX - {$280.00} Fraudulent Inquiries XXXX  XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to an inaccurate background check conducted by the company Checkr, I'm currently unable to perform XXXX deliveries. This situation has had a severe impact on my life, as I rely on these deliveries to make a living and cover my essential expenses. 

The impact of this unjust assessment by Checkr has extended far beyond their intentions, as it has caused an intricate web of financial stress and emotional strain. Each day that Im unable to undertake these deliveries is another day I wrestle with mounting bills and the haunting uncertainty of how I will manage to make it through. My dreams, aspirations, and even basic necessities have been placed on hold, a victim of circumstances beyond my control.
Product: Checking or savings account

on XX/XX/XXXX withdrew XXXX from my citizens checking account leaving me with a balance of XXXX then I transfered XXXX out of my account leaving me XXXX on the XX/XX/XXXXa charge of XXXX went thru leaving me XXXX and on the XX/XX/XXXXtwo deposit where posted into my account one for XXXX and XXXX for XXXX also on the XX/XX/XXXX a charge posted for XXXX and the bank charged me an over draft fees of XXXX twice once on the XX/XX/XXXX and once on the XX/XX/XXXX and my account was not negative
Product: Credit card or prepaid card

I am writing today in regards to my account with SYNCB/AMAZON Account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed i have fraudulent accounts on my report, please remove these fraudulent accounts on my report, they are hurting my ability to obtain credit. Thank you
Product: Checking or savings account

On XXXX XXXX XXXX, I was interested in purchasing a course and coaching program from the merchant XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The company advertised lessons and training, but the product and service provided did not match the descriptionsthis was false advertising. 

Actions taken by me : On the second day ( XX/XX/year> ), I realized the course and training were not as described. I immediately requested a refund from XXXX, but they refused to return my money. I then contacted my bank, Capital One, to report the issue and request a chargeback to recover the funds. 

Actions taken by the company and bank : XXXX XXXX  XXXX XXXX ( XXXX ) refused to issue a refund despite my concerns and requests. 
Capital One reviewed the situation but ultimately failed to recover my money. 
Current status : The issue remains unresolved, and I have not received my money back. I expect XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to be held accountable for their false advertising and for Capital One to reconsider my chargeback request.
Product: Credit reporting, credit repair services, or other personal consumer reports

all filed ftc remove the attachment Report Number : XXXX Date Generated : XX/XX/2020 print iconPrint Your Report Potentially Negative show tooltip button XXXX/XXXX/XXXXDetails XXXX XXXX/XXXXDetails XXXX XXXX XXXXDetails XXXX/XXXXUnder Dispute XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXXDetails XXXX/XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXXDetails XXXX XXXX XXXX.Details XXXX/XXXX XXXXDetails XXXX XXXX XXXXDetails XXXX XXXX XXXXUnder Dispute
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXX/XX/2019 this auto loan account was open in my name with my personal info acct number XXXX i wan thtis account deleted off of my report
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint in with XXXX XXXX XXXX XXXX. I have had an account with XXXX since XX/XX/XXXX ( ACCT : XXXX and XXXX ) and ( Address ID XXXX ) that of which I have was enrolled at XXXX University doing an XXXX program. Upon receiving my loans from XXXX XXXX assured me that I would not go into default but into a forbearance program that would defer my loans until I graduate. 
Subsequently, I did not do well at XXXX and enrolled at XXXX University. I then received more loans from XXXX and also had them placed in forbearance and stated to me that my loans would be due 6 months after I graduate. My date to graduate from XXXX was in XX/XX/XXXX. However, I completed the program early and my degree was conferred in XX/XX/XXXX. 
I immediately started getting loan payments from XXXX of {$600.00}., {$450.00} and other amounts. 
I immediately called XXXX and informed them that my 6 months had not expired when I began receiving these notices in XX/XX/XXXX, XXXX informed me that my time expired and that the loans were due. I replied that no one informed me of any time period between my lapse in school which was two months two receive my schedule and transcripts to be received to start school at XXXX University. 
Therefore, my loans were placed as being 30 + days late. I have pleaded with them, because I have never been late on my loans with XXXX as proof is given. 
As a result, I got my lawyer to intervene on XX/XX/XXXX and on XX/XX/XXXX, as of yet XXXX has not returned any calls or written correspondence to myself or my lawyer. 
I am asking that these late payments from : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX are removed from my credit report because I was NEVER late to XXXX.
Product: Checking or savings account

On XX/XX/2024 I reached out to Chime chat support to block a merchant by the name of XXXX I tried to delete my account information off of their site and I could not. The chime chat support agent assured me that the merchant had been blocked. On XX/XX/XXXX at XXXX pm XXXX  went into my chime checking account XXXX separate times. I immediately contacted chime and they assured me that the transaction would be reversed and if it hadnt I would have to file a dispute and receive my funds. The transaction posted I filed a dispute on XX/XX/XXXX and a provisional credit would be placed in my account by XX/XX/XXXX. My first dispute was denied XX/XX/XXXX. I then was advised to file a rebuttal. I was told to upload proof to back up my claim. Since it was their error I had no proof. The rebuttal was denied as well. I have a chat conversation with a chime representative admitting fault and then told it would be reopened it never was. I then contacted the better business bureau between that time XXXX went in my account again twice each time being assured they Were blocked. I have recent interactions with chime asking for the date the merchant was blocked XXXX representative on chime chat said he could not give me the information and placed a call. The representative I recorded the said XX/XX/XXXX which is also false and even if correct XXXX  tried to get in my account again XX/XX/XXXX I have my card turned off. The following day on chat the representative gave me a date the merchant was blocked which he said XX/XX/XXXX also false but still was able to tell me. XXXX referred me to you I Just want my money they owe me,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EQUIFAX AND XXXX HAS VIOLATED MY RIGHT OF THE FCRA 611 ( a ) ( 6 ) ( B ( iii ).

THESE AFOREMENTIONED COMPANY HAS REFUSED TO COMPLY WITH MY RIGHTFUL REQUEST FOR METHOD OF VERIFICATION ON ALL MY DISPUTED ITEMS WITH THEM.

I REQUESTED THE AFOREMENTIONED CREDIT BUREAU TO PROVIDE ME RELEAVANT DOCUMENTS THAT CLEARLY SHOWS EVIDENCE THAT THEY INVESTIGATED MY CREDIT DISPUTES.

I REQUESTED FOR SUFFICIENT PROOF THAT FCRA PROCEDURES WERE FOLLOWED AND PROPER STEPS WERE TAKEN TO VERIFY THE DISPUTES AS ACCURATE.

I HAVE REQUESTED FOR THESE METHOD OF VERIFICATION SINCE XX/XX/2021.
Product: Mortgage

We purchased a new home on XX/XX/XXXX with Rocket mortgage as the lender. 
We locked our rate with elected points of {$2900.00}. 
Rocket changed the points on this loan to {$6900.00} less than 2 days prior to close, without a valid change of circumstance and without our consent. We objected, but ultimately had to close the loan so as not to risk the earnest money ( {$40000.00} ) we had put toward closing. We've attempted to get Rocket to acknowledge their error and refund the {$3900.00} to us, but they have refused. 
XXXX - XXXX contracted on the home in XX/XX/XXXX and pursued financing with Rocket -We elected points, as reflected on the XXXX dated XXXX in the amount of {$2900.00} -During due diligence, we learned of repairs needed on the home. We amended the purchase contract with the seller such that they would provide a concession of {$20000.00} in-lieu-of holding up closing. This amendment to the contract was shared with Rocket on approx. XXXX and acknowledged as having been received by Rocket on XXXX ( see attached email ) - Due diligence ended on XXXX and {$40000.00} we had pledged in earnest was released- On XXXX, Rocket issued a CD to us still reflecting the points in the amount of {$2900.00} - On XXXX, Rocket, without our consent or knowledge, changed the points charge and issued a new CD, reflecting points totaling {$6900.00} - We objected by phone to them on XXXX, but were forced to closed else would risk losing the {$40000.00} in earnest money - I contacted Rocket after closing, pointing out that they needed to refund the increased points charge as this was not requested by us nor a change authorized by us. 
- Rocket claimed it was necessitated by the concession. However, they had no answer when challenged that they had this information at least 4-5 business days prior to the revised CD, thus, no valid change in circumstances related to the seller concession could be claimed. 
- Rocket continues to deny our request for a valid refund as their change in costs is outside allowable tolerance We request the CFPB assist us in pressing Rocket to make right by us and refund this overcharge
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day. On or around XXXX thru XXXX saw a lot of pre approvals on Credit Karma. At first I didn't pay it no attention, but credit karma kept sending me all types of different credit card pre approvals telling me that I was pre approved for credit cards, personal loans and that I can refinance my car. Everyday day I would see these offers, everytime I log in to check my credit score. After a few months of being told I was pre approved I thought I was in the right place to apply. However, I got so many offers through Credit Karma that I started sharing this information with family and friends about vacations and investments, that we were going to use with these pre approvals for. I applied on or around XXXX and got denied for a few credit cards and a personal loans, I was distraught and very angry, and I felt deceived, I was marketed for months, so Credit Karma told me that I was pre approved. This was a lie. I was severely stressed out, I was nauseous for weeks I had migraines so horribly that I became antisocial, my anxiety went from a XXXX to XXXX now, so when I see pre approvals, I immediately closed down my phone and shut my computer off, this has made me so uneasy, stressful it's very overwhelmed, that I haven't checked my credit as frequently as I used to or should. I need some resolutions for this unnecessary stress. On XX/XX/XXXX FTC order credit Karma to pay {$3.00} XXXX dollars to consumers. I've have been a victim of this false claim by credit Karma that told me that I was pre approved and got denied. The misrepresentation of Credit Karma have caused severe mental anguish and anxiety for me and my family. I have applied for a personal loan of {$20000.00} and two {$10000.00} credit cards, 15 USC 1681N saids that consumer reporting agencies must report Accurate information Credit karma violated that with deceitful practices and misrepresentation. 15 USC 1681 N speaks on actual damages. I'm owed actually damages of a result of Credit Karma failure to provide accurate information furniture on my credit report. I am owed actual damages in the amount of {$40000.00}. What company is this complain about. Credit Karma.
Product: Payday loan, title loan, or personal loan

The finance company sent me a threating letter stating they were taking me to court and that I had five days to catch up payment. As of X/X/18 payment is two months due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize or consent to the following inquiries that are listed on my Transunion consumer report on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request a review and update of my XXXX XXXX and XXXX XXXX  accounts on my credit report. These accounts should be active and reflect all monthly payments as up-to-date. Both accounts are critical to accurately representing my credit history and rental payment reliability. 
Details of the Accounts in Question : 1. XXXX  XXXX : Ensure this account is active and reflects all monthly payments as reported. 
2. XXXX XXXX  : Verify that this account is active and accurately reflects all up-to-date monthly payments. 
I kindly request that you investigate these accounts and confirm their proper inclusion on my credit report. If additional documentation or verification from these companies is required, please notify me so I can assist in facilitating the process.
Product: Debt collection

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.
Product: Debt collection

I am writing to you in reference to the company Afni, INC. My credit report says that I have an account with them that was opened XX/XX/2016. I have never opened an account with the company. The account number they have on file is XXXX. The account is not mine. I have tried numerous times to dispute this account with the credit bureaus and they will not take it off of my credit report because the company is still falsely reporting this debt.
Product: Money transfer, virtual currency, or money service

I had an account with Robinhood, and i was having some business difficulties in paying some bills so i applied for the PPP Loan. 

i successfully passed all the process and was approved of the loan. i got the deposit in my Robinhood account. Going forward i tried to order some goods overseas with some of the amount i got from the PPP loan to help boost my buisness and suddenly Robinhood restricted my account from withdrawal.

Its been going to 3 weeks now with lots of complaint made and also submitting all requested documents and identification methods asked by the Robinhood support system, only to be sent a mail today that my account will be permanently closed and money returned to the originator. Funds i will be liable to pay back, that i have already started using. This whole while i submitted every single document asked of me to verify my account and also make sure i sort this out. 

But they have decided to close my account in a fishy manner and return my already Approved loan which i have used more than 40 % already. I see this as an unfair move to make life miserable for small business owner like me.
Product: Mortgage

In XXXX XXXX, I refinanced my mortgage for the unit I have been living in located at XXXX XXXX XXXX, XXXX XXXX, XXXX, MA. At the time, my mortgage servicing company, Ditech Inc., overpaid my property taxes to the city of XXXX by {$580.00}. Now, the city says that they can not return the over-payment unless Ditech contacts them. Since then, I have contacted Ditech XXXX times they promised to follow-up on that. However, as of XXXX/XXXX/XXXX, according to XXXX XXXX XXXX XXXX Collector 's office, nobody has contacted the city regarding this issue.
Product: Student loan

Havent deleted the late payment. Also havent showed me any proof that I had a loan from XXXX   college. Still waiting on results.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 USC 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent Items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened made, or intiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I'm 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 XXXX XXXX These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute inquiries that have been on my report that I didn't authorize or don't recall. I have been asking for proof and I haven't received a response. 

Experian XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card or prepaid card

I received a text and email from a company called Chime. I received notification that XXXX open an account in my name. I did not open this account and never heard of Chime. I called them and spoke to customer service agent and told of the issue and I sent email to their fraud department. I was assured it was being taken care of that day. Well today I received notification a card had been delivered. Ive ne et received a card and dont want it. Please help stop this issue. Thank you.