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

OK opinion based on works an experience- you did nothing BUT you did allow the company to clarify for me NOT AMERICANS why they are always going to be XXXX at the hands of lenders and Credit reporting! " Please be advised there are hundreds of scoring models utilized today from financial institutions throughout the United States. Each scoring model is chosen by the financial institution based on criteria they specify in relation to their business needs. " The faade continues because you do nothing to provide a uniform method. We- the consumer are at the mercy of the lenders! Called Greed I believe. I have submitted this over and over and it still remains unresolved. Why send me a report if not correct? I added a dispute of the XXXX and XXXX provided documentation via earlier XXXX XXXX XXXX XXXX concerning my security months ago and still unresolved This security freeze posted through XXXX was supposed to go to all three credit bureaus which it did not!!! Fact they avoid mentioning it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent a letters to XXXX and Equifax disputing the following items XXXX XXXX  XXXX for {$860.00}, XXXX XXXX XXXX for {$550.00}, XXXX XXXX XXXX for {$6400.00} advising that I have no knowledge of the debits. In my letter I stated I was requesting a signed confirmation with my signature that I opened the referenced accounts. Under the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX I have the right to demand that they disclose to me all the documents that they have recorded and retained in their file at the time of the request concerning all the accounts that are reported on my credit report. I saw where they removed XXXX XXXX XXXX from my report and then they added it back to my report. As of XX/XX/18 no one has notified me about my dispute or submitted any documents to me with my signed signature for all three referenced accounts. I am requesting that all three accounts be removed from my credit report immediately by publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties they are damaging my reputation and credit worthiness. I am attaching a signed copy of the letters that was submitted to XXXX and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open this account. I have tried to call and report this account.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as XXXX XXXX Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section XXXX ( XXXX ) ( XXXX ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section XXXX A. XXXX I have the right to privacy. 

According to : 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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, credit repair services, or other personal consumer reports

I sent a letter addressed to the 3 Credit Bureau requesting to conduct an investigation and correct the information being reported. The 3 credit bureau must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting. 
XXXX XXXX XXXX XXXX XXXXXXXX : {$230000.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I happen to be in the XXXX so Im away from me phone when working. I realize after work that someone tried once again to pull money off my account using cashapp. I reached out to cashapp as soon as I got home. I lost my phone in XXXX of last year but my old phone I had to take the password off due to screen problems. I was not able to find the phone so I got a new one. Seeing that whoever it was they used my cashapp with my card details on it. My card happens to be unlocked to me trying to get things paid for such as bills. I left my card unlocked to the bills can come off automatically. Then as Im done working I seen that the person then proceed to take a huge amount of money using the cashapp I havent used in months. The total amount stolen was $ XXXX
Product: Credit card or prepaid card

I had prepaid cash cards through Citi bank, XXXX XXXX, and XXXX. These cards expired and they wo n't reissue them. How can cash cards expire? This does n't feel right. If my debit or credit cards expire they send a new one. They claimed their agreements did n't allow them to do this.
Product: Credit reporting or other personal consumer reports

I reviewed my credit file and noticed accounts that did not belong to me. I firmly believe these have been caused due to the data breach XXXX had and numerous other issues. These account do not belong to me. 

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX, and Experian delete and block information appearing on my consumer credit report that is the result of identity theft and fraud within at least 4 days of you receiving this complaint. The fraudulent, inaccurate, and false information of a personal credit card account, personal loan, and an auto loan opened. Due to the data breach from XXXX which also caused my information to be exposed. 

The following are accounts that are fraudulent XXXX XXXX XXXX account number XXXX opened on XX/XX/XXXX. 

XXXX opened on XX/XX/XXXX under the account number XXXX. 

XXXX XXXX account # XXXX opened on XX/XX/XXXX. 

XX/XX/XXXX account # XXXX opened on XX/XX/XXXX. 

XXXXXX/XX/XXXX account # XXXXXXXXXX opened on XX/XX/XXXX. 

XX/XX/XXXX account # XXXX opened on XX/XX/XXXX. 

XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX. 

These fraudulent accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. 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 initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have filed a report with the FTC Identity Theft Criminal. As proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and charge offs are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the end of XXXX I sent in a request for several accounts to be corrected. These accounts to this day are not being reported correctly and actually at this point should be deleted due to how it is being reported on my credit file. I have disputed how the information is listed on my credit file with both XXXX and TransUnion. Both of these CRA have not corrected the issue and yet allowed one of the companies to continue to update a closed account. XXXX XXXX and XXXX XXXX has been disputed greater than 30 days ago and by law, they are not marked as 'disputed by consumer ' which is in violation of CRA reporting. As you see listed in the attached documents, all the other disputed items are remarked as 'disputed by consumer '.
Product: Checking or savings account

XX/XX/XXXX - Bank of America closed my account without notifying me. On XX/XX/XXXX I couldn't log in to my online banking. I tried resetting password, no luck. Finally received error message : There are no open eligible accounts to display for this Online ID. We are unable to service your request. If you need further assistance, please call XXXX. 

Called phone number and was told my account had been closed, when I asked why the only thing they would tell me is that it was for business reasons? I requested 6 months of account statements via Mail. Its been XXXX weeks and nothing has been mailed, statement or check. 

I had a direct deposit hit my account on XXXX BOA notified me by email of direct deposit received. 

I have called daily to figure out how/when I would receive check with funds from my account. Im either transferred to another department and hung up on, or the line goes silent. 

I have been living without access to my money and I cant get any information or acknowledgement of funds being sent to me.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Capital One advertises the " Account Combination '' feature for credit cards on their web site, which should in theory allow a customer who meets all the listed criteria to combine card accounts. I do meet the listed criteria but despite many attempts, always get an error message ( attached ) saying my accounts can not be combined. I have been a Capital One cardholder since XX/XX/XXXX, and over the years I ended up with four Capital One cards ( one or two were from their merger with XXXX ). I want to keep my oldest account, which has no annual fee and a {$1400.00} limit, and merge it with the credit lines of my two other personal cards which do have annual fees but lower limits ( {$850.00} and {$600.00} ), making one card with no annual fee and a {$2800.00} limit. <P/>I called Capital One customer service in earlyXX/XX/XXXX, spoke to someone in an outsourced XXXX call center, and they were unable to resolve the issue, or determine the specific reason why the Account Combination feature did not work on my cards. They could only rehash the explanation from the web site. <P/>On XX/XX/XXXX, I emailed XXXX XXXX ( attached ) who, from my research, had helped develop the Account Combination feature a few years back. She forwarded my email to XXXX XXXX, who later forwarded it to someone on the social media team, who in turn bounced it to the so-called " Executive Resolutions '' office. From what I can tell, the Executive Resolutions office is just a customer service escalation desk that has no real empowerment to fix this issue. I spoke to XXXX XXXX in that office via phone on XX/XX/XXXX and she, also, was only able to rehash the verbiage from the web site. She offered no resolution or further escalation. <P/>Later that evening, XX/XX/XXXX, I wrote a letter ( attached ) to XXXX XXXX, President of XXXX XXXX XXXX, and mailed it via XXXX XXXX to XXXX XXXX XXXX XXXX, XXXX, VA XXXX. The letter was delivered XXXX XXXX with tracking number XXXX ; an " XXXX XXXX '' at Capital One signed for it. In the letter, I expressed my frustrations with the lack of effort of anyone I had spoken to at Capital One to resolve or explain the Account Combination issue, my attempts to resolve it, and asked for XXXX XXXX to help, or delegate to someone who could. To this date, I have not received any acknowledgment of my letter to XXXX XXXX. <P/>On XXXX XXXX, still frustrated with the lack of resolution, I closed my two Capital One cards with annual fees. The fees were going to post in XXXX and XXXX if the card were kept open, and I do not want to pay annual fees for cards I no longer use with a {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

8. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # 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 an account without my written instructions
Product: Mortgage

Dear CFPB, I'm writing this letter to ask for your help since ESSEX Mortgage keeps playing games with me and now they are discriminating against me and my family. 

About 3 months ago I was told by ESSEX Mortgage that i was approved for a loan modification and an agreement will be mailed to my house the following week. 

Now ESSEX Mortgage refuses to email or mail copy of the agreement since it was never received and ESSEX Mortgage keeps telling me that because of my background ( i dont know what ESSEX Mortgage mean ) the owner of the loan feels i dont deserve the loan modification agreement that i was told. 

Please help since ESSEX Mortgage keeps hanging up on me every time i call and they keep refusing to transfer me to a manager or supervisor. please help since im doing everything to save my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries on my account I have a case for that was never resolved and it has been well over 30 days XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 Transunion promised to look into the investigation for me, but I still have not been updated, they are well aware that it has been more then 30days, but they are not taking any steps in my defense to resolve the issue. The additional inquiries has negatively affected my potential loans in the previous months and I want justiceI talked to the bankers who also said they would send notice of a inquiry to transunion for the removal on behalf but nothing has changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Inaccurate Address : XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00}, XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year around XXXX, my bank informed me that my information had been breached and suggested that I change passwords and open a new account. I did this. However, I noticed my credit score dropping, and started receiving mail from debt collectors and other lenders regarding accounts that I had not opened. I tried to take care of these thing myself, but the credit reporting agencies didn't bother to listen. I seek your aide and guidance in helping me get these items removed from my reports. I am a victim of the XXXX  data breach..
Product: Mortgage

I filed a complaint # XXXX stating Chase was not in compliance with processing my request to reaffirm my mortgage loan in XXXX XXXX with the Attorney General 's Office. Chase filed the necessary papers with the bankruptcy court on XXXX/XXXX/XXXX. Today, XXXX/XXXX/XXXX my account XXXX continues to be handled via Chases ' bankruptcy department. I have no access to my account on line & Chase has not reported any loan payments to the credit Bureau 's since XX/XX/XXXX/XX/XX/XXXX. Multiple Chase reps have advised it takes up to 90days to move the account from their Bankruptcy department after the courts discharge which occurred on XXXX/XXXX/XXXX. In addition, chase reps advised no late fees would be applied to the account and there would not be a change in the monthly payment do to Escrow account changes or shortages while the account is handled by their bankruptcy dept. However, XXXX XXXX I received a letter stating I had an Escrow shortage of {$610.00} which gave XXXX options : to pay in full, and my payment would change to {$1000.00}, or pay a portion and the unpaid shortage would be divided evenly for future mortgage payments, or lastly pay nothing and my new payment would be {$1000.00}. I contacted chase at XXXX and was transferred to the Escrow dept. I did n't expect my call to be transferred as previous reps advised my account was to be handled solely by the Chase bankruptcy department. I adv. the Escrow rep of Chase having unapplied funds held on my account for which I had previously requested be applied to my Escrow account. The rep gave apology and agreed to move the money to my Escrow account. I also asked if I could pay enough to keep my payment the same {$970.00} and was advised a new analysis would have to be computed. I paid {$100.00} towards Escrow on XXXX/XXXX/XXXX along with my monthly payment of XXXX. As a result of this payment, I received a letter dated XXXX/XXXX/XXXX stating they received a payment of {$100.00} which would make the new payment {$1000.00} beginning XXXX XXXX. The letter stated the remaining escrow shortage was {$10.00}. I expected the shortage to be about five hundred based on the previous letter so I paid {$520.00} on XXXX/XXXX/XXXX. According to the letter dated XXXX/XXXX/XXXX, my payment of {$520.00} should have caused a XXXX surplus of {$510.00}. On a call XXXX/XXXX/XXXX I spoke with multiple Chase reps, Escrow reps, Senior Service Specialists and Escalation Manager : XXXX, XXXX, XXXX XXXX, and XXXX XXXX which all advised my escrow account had a surplus of {$15.00}?? and that was used to reduce the XX/XX/XXXX & XX/XX/XXXX payment to be {$1000.00}. The subsequent monthly payment would be {$1000.00}. I was told I could not pay more to keep my mortgage payments {$970.00}. The reps advised any additional escrow payments would be returned to me. This was puzzling since I had made a few additional Escrow payments in XXXX and none were returned to me. In addition, I was refused a waiver which would allow me to pay my Property taxes and homeowners insurance myself. I 've had this loan since XXXX XXXX and have had only one payment made late.
Product: Credit card or prepaid card

In accordance with the Fair Credit Reporting Act, XXXX account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Product: Vehicle loan or lease

Well I just find out looking at the vehicle I have is that the dealership I got it from never did a mandatory state inspection nor a emission test according to texas law before you sell a vehicle to a consumer otherwise if not that's unfair and deceptive practices and u.s. bank was aware of this issue and didnt get all required documents from XXXX XXXX XXXX where I got my vehicle from ... us bank Been deceiving me this whole time and dont have complete records
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX Account number : XXXX XXXX BANK Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX 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.
Product: Checking or savings account

On XX/XX/year> our savings account was closed by Marcus. We were notified about this the day after by email The reason given was that a signature card had not been received by my husband. Despite months of phone case and requests to send the card Marcus failed to do this. They now do not know where the funds are On XX/XX/year>XXXX Marcus closed a CD which was due to mature on XXXX the same reason. At no time did Marcus ever reach out to us toknowa signature card was missing. Indeed statements for both the savings and CD were in both our names. Despite hours spent on the phone with Marcus and being passed from one department to the other we have been unable to resolve the issue. Interest has been withdrawn from both accounts by Marcus The savings account was in the amount of {$7300.00} with an additional {$180.00} interest TheCD account was in the amount of {$71000.00} with an additional {$3000.00} interest
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I mail a letter to XXXX, TransUnion, and XXXX asking validation of XXXX FIN account. I have not received any information on the investigation. I would like to have proof of who they spoke with, the time and date, and proof the investigation was actively done. This is a violation of my right pursuant to15 U.S. Code 1681i. The information on my consumer report should be accurate and true. XXXX, TransUnion, and XXXX have been report inaccurate information to my consumer report which have cause a hardship in my obtaining a vehicle.
Product: Checking or savings account

Have a large amount of funds in this bank and can not access my account. Have tried to call many times and it is over an hour wait each time and the problem does not get resolved. Received an email that they will not even send me my statements due to one being returned. My address has not changed, my email has not changed but they continue to deny me access to my own money. I do not know where to turn. I have filed a complaint with the California Attorney Generals office. I really need access to these funds as I would like to purchase a few CD 's now at other banks. They seem to be shutting me out of my money and many others. Please help.