23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

About 5 days ago I received a email from XXXX who said Discover Card was insisting on my signature for permission to obtain my tax records thru XXXX process. Without any warning they also suspended my line of credit until I allowed them to get my tax returns from prior years, not even current income information??? I was in the middle of a vacation and on the road which caused me great stress and thankfully I had other means for deposits, gas etc.. or I would have been stranded. I have had this card for several years and the tactics they used to get this information seemed like a scam doing this by email!!!! This should not be allowed. We are told all the time not to provide our private information in this manner to anyone. This was not even my Credit Card Company ( Discover ), this was directly from XXXX asking me on behalf of Discover???? 

I returned from vacation today XXXX and called Discover and asked they retract this request as it is not required from every customer nor was the manner in which they were trying to get information thru a third party seemed like a scam!!! I also told them there way of trying to force people who are already customers of suspending their lines of credit without notice was also a threat of you have to give me this information or else which is not right!! This tactic caused me harm of having to close my account with Discover which will affect my credit score in a negative way and I think is completely unfair that a credit card company can pick and choose who they require this information from and not all customers are treated the same. Again, they are not even asking for current information, past information!!!. 

Research on the internet re this subject I see Discover is doing alot of this and there are many complaints. 

Thank You for your time in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the last 60 days I've been garnished by this credit concepts of s total sum amount of {$1500.00}, every single month since I've had this loan they've been adding {$330.00} every single month to the balance since the date of voluntary repossession of XX/XX/XXXX. Now they are garnishing me again knowing I am a single mother also domestic victims of XXXX minor children and I have left emails but the company manager is so unprofessional he just forwards my email rather than giving me an immediate response. I have had this same balance for three years and they are the most fraudulent sub prime lender out here. Ive paid over {$4.00} grand for a $ XXXX loan and why does my balance still reflect {$9900.00}? Where I started? Credit concepts are not following correct practices have never showed me no evidence of the repo sale nor a detailed billing of my entire account I requested since I first had this loan. They are a joke to consumers ripping off subprime consumers. I have other coworkers who are also with credit concepts who have showed me evidence of their wrongdoings and we are all going to take this to Attorney general.
Product: Checking or savings account

On XX/XX/2023, I sent a request to research a transaction that occurred on XX/XX/2023, in the claim amount of {$460.00} on your card number ending in XXXX. 

It has come to my attention that USBank has failed to uphold its duty to safeguard my finances, allowing other institutions to levy unauthorized charges against my account. Despite my efforts to dispute these charges, USBank has neglected to conduct a thorough investigation to substantiate my claim. Furthermore, they have shown a lack of attentiveness to the details I have provided. USBank has also failed to provide clarity regarding the fees associated with the transaction in question. Consequently, I urge the Consumer Financial Protection Bureau to intervene in this matter, as USBank has not taken the necessary steps to address the discrepancies between the fees incurred, the cash dispensed, and the amount originally requested.
Product: Debt collection

XXXX sent my balance to collections. XXXX XXXX was supposed to cover the cost of that semester through the GI bill. I cant control what, when amd how the VA operates. The VA delayed notifying anybody that my benefits had been exhausted until well after the semseter ended. XXXX then attached an additional {$370.00}. Of interest. I explained it was not my faultamd i am having a financial hardship. They then proceeded to send it to collections DESPITE me making payments directly to the school. 

I spoke with a rep today and was informed that they the collections even though I am paying the school directly. Then what is the point of a collections agency if I am paying the school directly. The rep also OPENLY ADMITTED that they did not received anything from the school other than the INCORRECT balance owed. No info about my XXXX staus, no info on my contract with veteran affairs not info on my financial hardship. im paying the school 2-3 per month. CONSERVE needs to be removed they serve no purpose other than aggravation
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX Balance : {$800.00} XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/year>
Product: Checking or savings account

Following is the email I sent the XXXX  of Fifth Third Bank. No response from the bank. 

XXXX XXXX I know you are busy. Having led a business for many XXXX before retirement, I don't often write XXXXXXXX XXXX. 

I deposited XXXX XXXXXXXX with your branch in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The check cleared my bank in XXXX XXXX XXXX XXXX. I needed access to those funds while in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). Banker told me there would be no issue getting access to funds via a cashier check anytime I needed .... " just come to the bank ''. 

I returned to the bank on XXXX XXXX and was told my account was " on hold '' until XXXX XXXX and to take a screenshot and send proof the check I deposited had cleared. And " holding '' accounts for this amount of time was common practice. I sent the screenshot. Your banker didn't reply because he left early for the XXXX The next XXXX there was no response so I called the XXXX XXXX and was told the banker would call me back in XXXXXXXX XXXX No call back. I did receive an email from the banker indicating funds were still on hold. 

XXXX XXXX I spoke to XXXX of your phone reps and was told my funds were still on hold until XXXX XXXX for " confidential '' reasons ... .. what? I'm a retired XXXX XXXX. XXXX and a successful business owner as well .... Why would my funds be on hold for a check that cleared my bank XXXX XXXX XXXX? Why wasn't I told about this process when I opened the account instead of being promised immediate access via a cashier 's check? 

This experience has been horrendous across-the-board. 

If this is how preferred clients are treated I hate to XXXX how your bank associates deal with " non-preferred '' accounts. 

Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, For the past year I've needed to freeze/unfreeze my credit with the 3 agencies to get a mortgage or open a bank account. I have accounts at all 3 to do this. XXXX  and XXXX  have always worked properly. However, Equifax, through their https : //my.equifax.com/ always have issues preventing me from lifting a freeze. 

In 2020 this prevented me from getting a mortgage and prevented me from opening a bank account. 

When I log in to the website or the app, I'm always presented with the following text on screen : " Please give us a call We can't complete your request at this time. 
Please call the Customer Care team XXXX Customer Care is available between XXXX XXXX. and XXXX XXXX. ( ET ), Monday to Friday. '' Calling the phone number is a phone tree that ultimately is a recorded voice recommending you log on to my.equifax.com. Their entire support system is circular. 

Last year after repeatedly typing 0 's to reach customer service I finally reached their customer support in XXXX who were able to manually unfreeze my credit report for a short time so that I could get a mortgage. They were never able to resolve the issue with my login. 

So now I'm facing an IT issue at Equifax that they are unable to resolve and I'm never able to reach anyone about, and it prevents me from living life in the modern world. I need to open a bank account and I'm not able to. 

This situation is insanity. Equifax is totally unresponsive and there's no accountability.
Product: Checking or savings account

So about 3- 4 months ago a little bit before XXXX i opened up an account with truist. The day i opened it i gave them my check and everything seemed to be fine. They said my debit card would be coming in the mail soon so i said great. I didn't have my phone when i was there so i had to log into my bank account on my mother 's phone so when i got home i tried logging in on mine. I must've got the password wrong cause it locked me out but then i remember either changing my password again or remembering the right one and it worked. Next day was locked out again and tried calling on the phone to get it unlocked and they said my account was locked due to fraud. Day 4 or 5 i get a letter in the mail saying my account has been closed and a check will be sent in the next week and if not to go to my local truist and get my funds. Four months later they've been giving me the run around back n forth with i have to go to the bank or the bank tells me to call. Finally a banker helped me n we sat on the phone with the main people who run the fraud services and basically what he told me was they have so many fraud cases and even though they've revived my case thet still can't give me my money. It's been four months and they can't even tell me when ill get my money.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$670.00} XXXX - XXXX - XX/XX/XXXX - {$69.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$16000.00} XXXX - XXXX - XX/XX/XXXX - {$190.00} XXXX - XXXX - XX/XX/XXXX - {$19000.00} XXXX : XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB closed this complaint without resolution. XXXX XXXX only response was to request an account number & more information. I NEVER had an account number. This is the primary account holders responsibility. I can not get information from the primary account holder or the lender. My perfect credit is being destroyed because of this. I would have been willing to pay the amount owed had I been notified. It just shouldnt be on my credit report without allowing me opportunities to pay. I still have no idea if its current
Product: Debt collection

A while back, I had a loan with Opportunity Finance that went into collections. But several months back I contacted them and arranged a settlement to resolve the account that they agreed to. This arrangement was made and fully funded in XXXX of 2020. Despite that, Opportunity continues to report that there is an outstanding balance on this loan. I've disputed the account several times with the credit bureaus, and even called Opportunity Finance and asked them to fix this ; but this account still shows as unresolved on my credit report.
Product: Mortgage

Hello, I have been making advanced principal payments on my mortgage for greater than 9 years. 
I have recently rec 'd a letter from my Bank of America mortgage company w restrictions on making advance principal payments that I have never rec 'd before. 
BAC now has requirements according to the " prepayment as required by the 1990 housing legislation. 
I will attach a copy of the requirements. 
I hope you can help since the current requirements appear to be unreasonable. As I mentioned before I have never rec 'd a letter such as this before.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX deleted the error with XXXX but XXXX and XXXX still has it on the report. Been fighting this from early as XX/XX/XXXX and latest XX/XX/XXXX. Would like for this inaccuracies to be deleted from XXXX and XXXX. 

Also with bmw financial service. The motorcycle accident was paid out fully by XXXX Don't knw why this on my consumer report and account been closed from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Failed to Provide the Documents of Verification Used To Determine the Accuracy and Completeness of the Investigation As Required for Compliance with FCRA 611 ( 6 ) ( B ) ( iii )
Product: Credit card

This is the second time I have attempted to obtain credit with Synchrony Bank. Each time during the application process, their online system would not accept the back photo of my drivers license. They are not denying basis on credit history, bad or good credit merely because they could not read the back of my drivers license. When I called and explained what happen, the rep could not tell me why my application was declined, just that it was declined for no money amount. What surprises me is I've had a Care Credit card with them in the past but have not use it and no longer in the system, but now they deny me credit? It would be understanding if it were based on my credit history but it's not. Only that THEIR system could not read my drivers license. This is not fair to the consumer and I'm sure I'm not the only one. This happened before when I was applying for another store card with Synchrony bank for the exact same reason. To add, I have a XXXX score of XXXX, make XXXX a year and only have {$900.00} worth of bills monthly and that's a car and rent.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and these inquiries are unauthorized. 
The following inquiries must be removed immediately : XXXX XXXX - XX/XX/XXXX XXXX, XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX
Product: Debt collection

Original debtor is XXXX XXXX XXXX  XXXX XXXX in the amount of {$480.00}, I never signed a contract with LVNV Funding LLC to collect a debt. I have asked for verification of debt owed to LVNV Funding LLC and I get back that it was Originally owed to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : OPENED XX/XX/XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX opened XXXX {$250.00}
Product: Debt collection

They email and call me constantly but all but refuse to show me where this debt is from.
Product: Mortgage

Originally my mortgage had  XXXX . For breach of payments and delays  XXXX  sold the portfolio to Bank of America. My residence is  in Puerto Rico and  with the new job I have been paying the mortgage for more than 3 years without fail. When the loan was paid to  XXXX  on payment was included the payment of property insurance. Now Bank of America tells me that I need property insurance and that I have to pay {$190.00} more to pay the mortgage. I realize that this payment is already included in the payment of the mortgage. In addition they receive the payment but when I call for any service or for some adjustment or to help me some help they indicate to me that as the house is  in Puerto Rico does no t apply. I want to refinance the house and they tell me that they do not finance house in  Puerto Rico and  I wonder then how they receive the payment of my house or why they bought the wallet
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear sirs, I have recently reviewed my credit report and noticed credit inquiries that I didnt authorize.

Im filing a formal complaint to have these inquiries removed from my credit report, as they are negatively affecting my credit score.

Below are the inquiries that I didnt request nor authorize, and that are therefore fraudulent and should NOT be listed on my credit report : -XXXX XXXX from XX/XX/2021 -XXXX XXXX XXXX XXXX from XX/XX/2021 -XXXX XXXX from XX/XX/2021 -XXXXXXXX XXXX XXXX from XX/XX/2021 XXXXXXXX XXXX  from XX/XX/2021 Please remove these inquiries from my credit report and send me a confirmation. 
Thank you for your help.
Product: Debt collection

Radius Global Solutions has been calling my phone everyday! Sometime 2 to 4 times a day from 2 different numbers as early as XXXX and as late as XXXX. Previously, I spoke with them to let them know that I do not owe any monies as all of my hospital debt has been paid to the hospital. However, this company continues to call my phone EVERYDAY from the two numbers : XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681cXXXX2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

I did a {$650.00} transaction on Square POS. I know that Square charges 2.9 % processing fee plus XXXX per transaction. However, when logging into my account it was very cumbersome, difficult, and not transparent disclosing the actual amount I would be paid. I finally had to chat with a representative of Square so they could lead me to the correct page to view the amount I would be paid. However my frustration with Square of not being transparent is that it took 5 different pages to find the correct information. But the first 4 pages showed in LARGE BOLD lettering {$650.00}. It was only until the last page ... at the very bottom ... in greyed-out small lettering ... {$630.00} transferred. That should have been disclosed on page 1.
Product: Vehicle loan or lease

I took a loan in XX/XX/2016 ( XX/XX/16 ), I was paying on time. 
After i loose a job, i had returned the car, dealership said I'm done. 
But later Santander bank charged my account for {$10000.00} with no explanation. 
This is ruin me credit score.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX ( Original creditor : XXXX  XXXX ) XXXX Balance : {$7100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$26000.00}