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

The company shutdown my account on XX/XX/2022 without any warning or reason after I funded my account {$250.00} using my own bank account with my name on it. I called and tried to get a reason for the closure or how I can get my funds back, but the representative told me the department that I would need to reach could only be reached through email. I contacted Square via online support several times and they won't give me a reason my account was shutdown or how I can get my funds back in a expeditious/reasonable time frame. On my dashboard, it said it would take one business day to get my funds, but it has already been 10+ business days without any resolution.
Product: Mortgage

I was informed by TMS that I owe $ XXXXin which is not accurate. I spoke with several members of TMS all of which has not provided a reason for this amount being owed. 

This company has reported my account in delinquent on my credit file and a supervisory is not willing to accept my call in regards to this concern.
Product: Credit card

I 've been a loyal Banana Republic cardholder for around three years, and have had a {$10000.00} line of credit. I have an excellent credit score ( above XXXX ) and have never had a late payment or any issues on other issues with my account with the exception of them consistently putting holds on my account for fraud when I buy items in towns anywhere other than my own ( despite repeated calls letting them know that I travel frequently for work ). In the last month I 've called them on multiple occasions because of issues I 've been having with their online payment system. The first time I had an issue their online payment system debited the incorrect bank account account. I filed a Reg-E claim with my bank, as the deduction was not authorized. A second instance of them attempting to deduct money from an account that was n't even mine occurred a week ago. I called them immediately and told them that the account was not the account I had selected for payment. I then went back into the online system and paid the payment in full with the correct account. Two days later my card was declined, and after calling I was able to determine that they had closed by account with no notification at all. They are also trying to invalidate more than {$300.00} in rewards that are rightfully mine. I 've never been treated so disrespectfully or seen such terrible customer service. In the entire time I 've been a cardholder I 've never made a late payment. They informed me that the issues I was having with online payments were my problem, not theirs, and have now hung up on me twice when I called to discuss my concerns. By closing my card with no notification they are not only impacting my credit but also put undo hardship on me and my family as I had pending payments that I was forced to try to correct before incurring additional fees.
Product: Mortgage

My mortgage loan is serviced by Ocwen Loan Servicing , LLC . I suffered water & mold damage, resulting in an insurance claim. Ocwen required me to mail the insurance check to Ocwen so that Ocwen could monitor the repairs and pay me. Ocwen requires an inspector to inspect the repairs before issuing payments. On XXXX XXXX and again on XXXX XXXX, 2015, Ocwen employees assured me that they ordered an inspection while I was on the telephone with the Ocwen employees. Today, XXXX XXXX, 2015, 9 days later, Ocwen informed me they " forgot '' to order the inspection. Ocwen is telling lies. Ocwen employees assured me an inspection had been ordered while I waited on the telephone with Ocwen employees. How could Ocwen have " forgotten '' to order the inspection when the Ocwen employees told me the inspection had been ordered while I was on the telephone with Ocwen? Ocwen is intentionally, purposely causing me severe emotional distress and damaging me. My contractor is threatening to quit. My tenants are threatening to sue me for breach of the lease. Ocwen refuses to pay, when the insurance proceeds are my insurance proceeds. I need immediate help. My contractor is threatening to quit. My tenants are threatening to sue. Ocwen now says it will be another 5-7 business days just to contact the inspector, then additional days to schedule the inspection. Meanwhile, Ocwen refuses to pay money which is owed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and I did not make or authorize those inquiries. I am requesting that those they be removed, -XXXX  XXXX ( XX/XX/XXXX ) -XXXX  XXXX  XXXX XX/XX/XXXX ) - XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) -XXXX  XXXX  XXXX  ( XX/XX/XXXX ) -XXXX  XXXX  ( XX/XX/XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX  XXXX  ( XX/XX/XXXX ) -XXXX  XXXX XXXX  XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX  XXXX  ( XX/XX/XXXX ) -XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX  ( XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these inquiries to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I contacted Loan Depot by phone, XXXX XXXX, to obtain their current finance rates for a refi or Home Equity loan. I did NOT complete an application or ask to be considered for a loan, all I wanted was their current rates. I provided some basic information they requested for the quote. Inquiry # XXXX. 
Their rates were too high. 
ON XXXXXXXX XXXX XXXX Loan Depot sent an UNSOLICITED EMAIL, that " confirmed they had received a " mortgage inquiry '' and to proceed the the process to call XXXX. I NEVER CALLED THEM and unsubscribed from further emails. 
On XX/XX/XXXX I received another email about a rate drop, I unsubscribed again. 
Nothing after that until XXXX XXXX when I received ANOTHER " special offer '', even though I had 'unsubscribed '. 
On XXXX XXXX I received XXXX COMPLETE LOAN applications with loan disclosures and copy of my credit report in hard copy via XXXX. THIS was never requested. I XXXX notified me that my credit report was " run '' and my XXXX score had gone down, XXXX pts to just over XXXX. 
This is a sham process that when I called Loan Depot said is 'standard procedure ' for Mortgage Inquiries!! Running credit reports without authorization should not be " standard procedure ''. This should NOT be allowed.
Product: Student loan

Dear Sir/Madam, I hope this message finds you well. Ever since I entered repayment with Sallie Mae they have made it IMPOSSIBLE for me to pay my balances seamlessly. Firstly, the system online only allows you to either enrol in auto-debit or pay with a checking account, no debit/card payments can be submitted. When trying to register my international account ( please bear in mind I live in XXXX ), the account can not be added due to their system not allowing other bank accounts registered outside of the USA. I could submit payments by phone, however their line does not accept international calls either. When trying to submit any payment with my bank in XXXX, they just simply reject it ( please see attachment ). We have resorted to submitting payments through their online chat and paying with my co-signers card as a " third-party ''. This has worked okay, not ideal but okay ; however as of Today XXXX of XX/XX/XXXX, I have been notified I can no longer submit debit/credit card payments over the chat either! There are so many ways they could help us make seamless payments, but it seems they're purposely making the submission of payments more impossible than it already is. I need your help either to force Sallie Mae into including the option to make payments online with credit/debit card ( or even XXXX ), or to include the option to add an international bank account to the profile in order to make direct deposit payments. Having ONLY the option of enrolling into auto-debit with a USA bank account OR pay with checking account DOES NOT WORK specially in XXXX where most of us in my position only hold credit/debit cards. Also the issue of not being able to communicate with them unless you call from a USA phone is ridiculous and disrespectful, specially when you take into consideration THEY HAD NO HESITATION approving my Student Loan for an XXXX university, and NEVER HAD AN ISSUE SENDING THE MONEY TO XXXX. Please please help ; I don't know what else to do and this issue has been ongoing since early XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX
Product: Money transfer, virtual currency, or money service

My account was hacked because my phone was stolen. I received 2 ssi payments that i was not expecting on XX/XX/XXXX for XXXX each. the hackers drained my account because i was unable to access my account because i had no phone to verify my account. then to add insult to injury on my next payment date i learned of the incident along with over 60 transactions to different merchants totaling over XXXX  dollars ucing my cash app card. there id no doubt its fraud due to the sheer amount of transactions. i contacted cashapp and submitted a dispute and was immediately denied. the card phone or ip was not mine or in my possession. there is no reason i should not receive my money back.
Product: Credit reporting

I have repeatedly disputed account information with Equifax and they have never shown me any verifying information to confirm account status. Online collections account is reporting negatively on my credit file.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX, XXXX, DPT EDXXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made mythe company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in month to be remove. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX  XXXX, XXXX, DPT EDXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I spent two complete days trying to reach Way2go about my Oklahoma Unemployment debit card that was sent to the wrong address. When I finally got someone on the phone, they canceled the initial card after telling me that the funds were on the account and intact. When I asked for a replacement to be sent to me, I was told I had to call the unemployment office again and ask them for help. It is nearly impossible to get through to the Oklahoma Unemployment office now days. I tired all day today with no results. I do not see why the Way2go mastercard defused to send m a replacement even after they verified my identity. 
May name is XXXX XXXX and my OK unemployment claim number is XXXX I am trying my best to resolve this issue before I get evicted from my home and lose my car. 

Thank you
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate reporting of late payments on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ). As a consumer, I am concerned about the negative impact this misinformation has on my creditworthiness and overall financial well-being. 

Account : XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX ACCOUNT XXXXXXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX  ACCOUNT NUMBER XXXX ACCOUNT XXXX  XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT NUMBER XXXX Upon reviewing my credit report, I discovered discrepancies in the reporting of late payments that do not align with my payment history. According to Section 611 of the FCRA, consumer reporting agencies must ensure the accuracy and completeness of the information provided in credit reports. The reported late payments are erroneous and misleading, significantly affecting my credit score and financial opportunities. 


I have previously contacted [ XXXX ] on [ XX/XX/2023 ] to dispute these inaccuracies. Despite my efforts, the incorrect information remains on my credit report, causing undue harm to my creditworthiness and financial reputation. 

I request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action in accordance with the FCRA. I also ask that all inaccurate information related to the late payments be removed or corrected from my credit report. 


I appreciate your prompt attention to this matter and look forward to a resolution that ensures the accuracy of my credit report and protects my rights as a consumer. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unfreezed my credit report numerous times. However, everytime I apply for credit or a credit limit increase I'm declined because they can't verify my credit reporting information. Experian keeps saying I don't have a payment history. That's not true. I have 3 credit cards that report to all three credit bureaus. Experian isn't reporting my credit report accurately and I have a bunch of inquiries due to companies not being able to verify my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX XXXX XXXX, Account # ( XXXX ) added a derogatory mark on my credit report per XXXX credit monitoring service. Upon, further research, this account was transferred/sold by the original debtor, and I am not responsible for the account. Debtors ' creditor did not verify this collection and the information contained as accurate. Also, there was NO written form of communication, contract or signature for this accused debt. A bill without a signature does not validate the debt and the information contained within this collections account contains false/inaccurate information, which has been furnished too the credit bureaus illegally. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Checking or savings account

I have a navy federal account, it was my main bank account but it kept saying I have money then all of a sudden I'm paying XXXX bucks in over draft fees. Anytime I called them they would just tell me I didn't have enough money to cover it, which didn't make sense since it showed I had money before. This has been happening for years now. I didn't know I can file a claim here until today.
Product: Prepaid card

After noting the direct deposit feature on my XXXX XXXX  I added my XXXX XXXX to my employer 's direct deposit system. On XX/XX/XXXX, my first direct deposit was returned. I called the number on the back of my card and was told my account was restricted to cash loads, and to remove the restriction a XXXX way call needed to be done to verify my debit card with XXXX XXXX XXXX. I proceeded to complete the call, received an email that my XXXX XXXX " is back to normal, '' and was told that by the representative would be able to receive direct deposits within XXXX business days. I called again on XX/XX/XXXX and confirmed that my account was now back to normal status and could receive direct deposits. However, my next direct deposit on XXXX was also returned. I called XXXX  on XXXX but was told my account status was normal and that they did not see a returned direct deposit. Finally, my direct deposit on XX/XX/XXXX was also returned to my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a direct confirmation that I have tried for a number of times to find a resolution with this company in regards to fraudulently charged account they are reporting but to my surprise this company still insist on reporting these accounts even after providing detailed proof that I am a VICTIM OF IDENTITY FRAUD and DID NOT BENEFIT with anything whatsoever from the charges in these accounts. 

RSI ENTERPRISES-RSIMD, Account # XXXX, Date Opened XX/XX/XXXX- Original Creditor XXXX XXXX XXXX XXXX XXXX . This account is fraudulent, I still wonder why are you reporting, contrary to that law that state : Fraudulent accounts to be removed within 4 days from receiving a proof. PLEASE DELETE ASAP This is my final intent to resolve since I have all the documents ready to file a lawsuit against this company. I first disputed this fraudulent account with them on XX/XX/XXXX but to my surprise, they responded by even duplicating some of the accounts and Affecting my credit score even higher than before my dispute. Yet another final time before the court of law, The following accounts are Fraudulent and require removal from my report : I am attaching : 1. My earlier Dispute letter to them at XX/XX/XXXX 2. mY FTC report 3. My small claims form in case they fail to remove these fraudulent accounts
Product: Mortgage

Enclosure XXXX XXXX XXXX XXXX, VA XXXX Ref. Home Equity Loan XX/XX/XXXX Certified Mail : XXXX XXXX XXXX XXXX XXXX Nations Lending Mr. XXXX XXXX XXXX Loan Officer NMLS # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX XXXX : Mr. XXXX XXXX XXXX Dear Mr. XXXX : SUBJECT : Loan Number XXXX In follow up to our XX/XX/XXXX telephone conversation, the purpose of this letter is to once again request the fulfillment of the loan services advertised by your company. 
On XX/XX/XXXX, the requested {$500.00} check made to your office, cleared my financial institution. Shortly thereafter, I received the enclosed letter dated XX/XX/XXXX from your office requesting additional documentation/outstanding information. I complied with your request for the additional information however ; I have not received compliance from your office as of this date. 
If you are unable to provide the service marketed by your company, please refund the initial {$500.00} as an act of goodwill and closure. Please provide a written response to this letter within thirty ( 30 ) days. 
Sincerely, XXXX XXXX cc : CFPB file
Product: Mortgage

Hi! I called Quicken Loans to get some rates for a home mortgage refinance. They quoted me some rates for the 20 year loan that I was looking for. I have been very clear that I was shopping around for rates. The rates they gave me were worse than what I was getting from another lender. Then I decide to proceed with another lender who run my credit report and I see in that report that Quicken Loans has run my credit without my authorization or giving them any documents. 

This has adversely impacted my credit score and increased the cost of my refinance mortgage by {$3000.00}. 

Two days later I get documents in mail from Quicken Loans asking me to sign on the documents to proceed. This is when I have not agreed to proceed with them on the loan even. 

Pls help. 

Thanks XXXX XXXX