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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Home Phone : XXXX NC Unemployment Claimant # : XXXX I am a XXXX XXXX located in XXXX, NC. 

Due to the COVID-19 outbreak, my XXXX was closed in XXXX, XXXX by State mandate. 

I filed my first claim for unemployment on XX/XX/2020 - confirmation # XXXX. 

A certification form has been filed each week since that time with all transactions and deposit dates recorded on the NC Division of Employment Security ( DES ) website. 

In the meantime, my bank of choice has undergone a progressive chain of events. Due to this, my account has been shifted around with the numbers changed and evidently compromised. 

I was a customer of XXXXXXXX XXXX which merged with XXXX XXXX XXXX to become XXXX XXXX. Consequently, banking laws, mergers and buyouts have now landed my account at First Horizon Bank, formerly known as XXXX XXXX XXXX 

Somewhere, the ball was dropped and my payments from DES have not been deposited into my bank account. I contacted the DES and was told it is a bank problem. I visited my current bank, First Horizon, and was told it is a DES problem. Wherever the blame lies, my money has been lost in the shuffle. Neither source claims to know where my money is and I have been going back and forth between them for almost a year. No solutions ; just blame on the other party. Now DES is apparently oblivious and has had my account locked for at least a month. I can not even file my weekly certifications. 

At this time, I am in desperate financial straits. I am about to lose everything I own. I am months in default on my commercial lease which if I lose, will put me in dire debt for many years to come. My phone, gas, water and electricity are one by one being disabled both at my XXXX and my home. 

I have followed all the rules, been available for interviews and telephone calls, and faithfully filled out all forms for certification. 

I hope you can help me. Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX to : US Office of the Comptroller of the Currency US Federal Banking Commission NC Department of Commerce NC Commissioner of Banking XXXX XXXX XXXX, Chairman and CEO of XXXX XXXX, formerly XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, President and COO of XXXX XXXX, formerly XXXX XXXX XXXX XXXX XXXX, Governor of North Carolina XXXX XXXX, President of First Horizon National Corporation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, XXXX continues to report incorrect personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and mailed all three major consumer reporting agencies about the inquiries I have discovered on my consumer report. I brought it to the attention of all three consumer reports and have not received a response. I followed up and the inquires have still not been removed. I have also tried reaching out to every one of the creditors and they are unable to find an active account, only some electronic information from XXXX of XXXX. I am highly upset with the run around that I have received because I was not trying to buy a car during the pandemic. Due to there not being an active account with any of these companies the information is not accurate and I need it removed from my consumer report immediately as the false information will hurt me when anyone wants to see if they can loan credit to me
Product: Credit card or prepaid card

On XX/XX/2019, I contacted Citi because I did not receive my credit card bonus for signing up for an Aadvantage Card at the following link : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As you can see, the link says you are not eligible for the bonus if you have had the card in the previous 24 months. 

After not receiving my bonus offer, per the terms of the website which Citi controls, I contacted Citi because they had not honored the advertised offer. 

Citi advised I was ineligible because I had opened and closed a business card within a few days. I advised this was not the case. I was instructed to contact the fraud department, which I did on XX/XX/2019 when I spoke with XXXX. The fraud department determined I was correct, that I never opened a business account and closed it within several days. I confirmed the same to Citi. 

On XX/XX/2019, Citi said they would have the issue promoted for review. 

On XX/XX/2019 Citi conceded to me in an email, that I would receive the XXXX bonus miles, per the language of the offer on the website, within 2 billing statements. 

On XX/XX/2019, having not received the bonus, despite Citi advising they would deposit the miles, I contacted Citi inquiring as to why. 

Citi advised I was ineligible to receive the bonus because I had a previous card opened within 48 months, which is contrary to the information and language posted on Citis website, at the link above, which I relied upon when signing up. 

I advised Citi of the previous email I received, but Citi refused to honor the language in their own offer, after Citi had already conceded I was correct in the XX/XX/2019 email. 

All I am looking for Citi to do is follow through with what they told me they were going to do, after I spent countless time going over this issue with them. 

At this point, I feel defrauded.
Product: Checking or savings account

I bank with  USAA, they h ave no branches in my location and offer mobile deposit. On  XXXX   XXXX  I used this feature to deposit money orders since I am unable to deposit cash. I wrote a check for my ren t. USAA decided  to put a hold on the guaranteed funds. They sent me a message today saying I had insufficient funds, but my available amount is more than the check I wrote. This has caused a major problem with me and my landlord. I have copied the message to this form.      One or  more transactions resulted in nonsufficient funds to the account below : Date :  XXXX / XXXX / 17  Account ending in :  XXXX  Overdraft protection : None Nonsufficient amount : {$1700.00} Available balance : {$1900.00} Details : CHECK #  XXXX  You can avoid returned items by setting up overdraft protection. It takes only minutes and becomes effective w ithin two to three busi ness days.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX Account # # # # # # XXXX, # # # # XXXX, # # # # XXXX, # # # # XXXX, # # # # XXXX, # # # # XXXX, # # # # XXXX, has violated my rights. 15 USC 1681 section 602 A states i have the right to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. also, in accordance with the Fair Credit Reporting Act XXXX USC 1602 states financial institution can not disclose any personal information to a third-party non-affiant without my permission. - ( XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX NY XXXX ) ( XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX NJ : {$50.00} : {$50.00} : {$50.00} : {$50.00} : {$50.00} {$310.00} ) XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX also violated USC 1681 and 1602. I also do not recognize this account.
Product: Checking or savings account

Hello, i was a long time loyal customer to Wells Fargo. Last XXXX of 2021, they closed both my checking and savings account with money in them. I have reached out on several occasions and have NOT received my money. This has caused a huge financial distress.
Product: Credit card or prepaid card

I have three gift cards were hacked on the 2nd day I bought them, two were recovered, this is the third one. I havent heard from them for a long time for this one, please help me get my money back, thank you. 
Date of purchase : XXXX/XXXX/XXXX Card # XXXX Fraud charges : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Pending {$190.00} XXXX XXXX XXXX # XXXX XXXX Pending {$0.00}
Product: Credit card

Synchrony Bank & unfair practices. Interest rates range on credit worthiness as we all know. However as XXXX took over retail Synchrony bank his cohort took the credit arm, offering XXXX short term interest, cash back on the paypal card, but at default rates. Then, they revoke credit upon payment, actually citing payments as unusual activity. 

Customers who try to turn over balances to take advantage of XXXX interest and cash back, have credit revoked.m, as XXXX XXXX  them over. 

XXXX thing to change a line or rate on a low rate card a high credit rating obtained, another to revoke credit already at a default rate that prevents the utilization of low rates while driving down credit ratings with the elimination of available credit. 

They do not like : paying off entire bill plus pending charges. 

XXXX time they froze the account for 30 days BACAUSE I PAID IT. 

Another, as things got going after the winter lul, they froze the account for 30 days. After it cycled it had an XXXX credit limit instead of XXXX. I had taken a customer 's money for product was going to flip the balance for the cash back and no interest, and they revoked the credit line. Again, for paying off the balance. I had never missed a payment with them. 

They cited my credit rating a few lates, nothing substantially late. I asked them what they thought removing XXXX  of unused credit would do to my credit rating by driving up balance to available credit ratio, how many more months behind i would go on my mortgageby ripping XXXX  out of my life. The synchrony XXXX card did the same in total taking XXXX of unused credit which drove down the number by the action and simultaneously removing XXXX  from my available cash to pay bills. It was like a mass shooter came into my personal finances. 

They drove me from late to 3 months behind on my mortgage because I had to produce the product I had taken money to provide XXXX XXXX, while driving down the ratio of unused to used credit, and forcing me to use other credit or let other valances ride to fill the gap the action. 

They were already charging a default rate of XXXX by industry standard, and they refused to take a 'chance ' on me after paying off a bill completely??? While keeping the XXXX card u used and open but taking that available credit too??? 

Federal regulations need to rip that bank apart and end that nonsense of XXXX XXXX XXXX XXXX XXXX XXXX XXXXI. 

I would be current on bills paying down debt, had they left my credit alone, but I'm on the cusp of foreclosure and about to miss payment on everything or have, which is due, to the nearly {$2000.00} they yanked out of my cash stream to protect themselves from.me paying my bills, possibly utilizing cash back, while charging XXXX in interest yearly. 

End the usury and financial devastation, split up synchrony Bank or simply shut it down XXXX finish its business. To be clear not the business of destruction of people 's finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried reporting fraudulent accounts on my experian and XXXX report. I have I sent in my FTC affidavit, my id and ss # and and fraudulent inquiries. The company has not investigate my claim and claim they don't have any of my information. I also sent a claim from cfpb website and the company responded that I wasn't the person submitting the claim.
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 XXXXXXXX has violated my rights. Or list of inquiries 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: Consumer Loan

I have contacted all XXXX credit bureaus on multiple occasions and, this account still have not been addressed. This is a re-aging debt and they are practicing reinsertion of unverified debt which is a violation of the FCRA. This company never loaned me any money. This car was purchased and has been sold already. I have gone a further step and have provided a document that has witnesses my claim via the XXXX State.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Inquiries : XXXXXXXX XXXX : XXXX XXXX XXXXXX/XX/2023 : XXXX XXXX XX/XX/2023 : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$0.00}
Product: Debt collection

Ocwen Loan servicing LLC hired XXXX XXXX XXXX XXXX with forged documents and sued me in court for a discharged debt reinstated the debt and tried to extort XXXX+ from me. The debt was discharged prior to inception from XXXX XXXX who failed to entered appearance and failed to show. My HAMP was denied by XXXX and while unlicensed in XXXX they put me in another government program. Ocwen tried to reinstate the debt. XX/XX/XXXX. XX/XX/XXXX sent a notice I was in default. The letter did not conform to the requirements of a default nor was the loan accelerated. Instead they spent years pretending to put me in 5 HAMP programs to meet the government Standards and until the lawsuit filled in XX/XX/XXXX they documented on their own ledger the forgery of papers to foreclose, had people watching me outside, break in my unit. KEYS for cash was offered as it is NOT allowed in XXXX to enter a unit without keys. As a property manager i know from XXXX XXXX XXXX XXXX. they forged papers a transfer from XXXX to assign them my home. They have an unrecorded note without recourse they forged and put XXXX XXXX on there as the owner and then stamped in blank with no date payable in blank by XXXX XXXX in XXXX. Now XXXX the trustee of the XXXX XXXX XXXX claims it belongs to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible..
Product: Credit card

I did not get the card. I did not make a charge. I received a bill. When I have called no one can tell me what the charge is for. All other credit card companies write on the card where the charge is from. The company states they investigated said I owed it but still can not tell me what the charge is for. That is not how fraud works. When I type in the account number they say no account found. I can not get any legitimate answers. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Mohela ( Student Loan ) reported incorrect information to XXXX credit report agency which dropped my score XXXX points. When I called Mohela, my wait time is 2 hours and 25 minutes. I finally got a call back hours later. I spoke with an agent for 2 minutes and was told I would be transferred to someone else. It was another waiting cue for an additional 2 hours and 25 minutes. Its next to impossible to speak with someone and get answers. MY loan has been deferred for over a year. There was no missed payment and no payments due. My balance should have never increased or decreased.
Product: Student loan

I only was making XXXX and my payment was {$180.00} then i got married and my wife only makes {$22000.00} and she does not work in the XXXX and she does not collect unemployment and they raised it to {$410.00} i can not make that those monthly payments im borrowing against my credit card to pay and i also have a peaks student loan that i pay {$220.00}. Im not even working in my field. I went to XXXX and i feel that with an XXXX XXXX i feel that my XXXX loans come to approximately {$60000.00}. Im XXXX years old and I am in more debt now than when i went to school. And now that XXXX closed down i Have no resources to get a job. I need help
Product: Debt collection

XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX . TX  XXXX  PURSUANT TO YOUR LETTER DATED  XXXX   XXXX    XXXX   IN WHICH YOU FINALLY ADMIT YOU ARE A DEBT COLLECTION ACGENCY TRYING TO COLLECT A DEBT, THIS MATTER HAS BEEN FINALLY CLEARED UP, ALTHOUGH IT BY NOT MEANS RESOLVED.   XXXX  WHAT YOU HAVE DONE TO ME F OR TWO ( 2 ) YEARS HAS BEEN ILLEGAL. SEE ATTACHED. I WILL ADDRESS RESOLUTIONS LATER IN FUTURE COMPLAINTS AND IN FEDERAL, STATE AND PRIVATE LITIGATION.    XXXX  THERE IS/WAS NO REVERSE MORTGAGE FROM " ONE REVERSE MORTGAGE , LLC ''.
Product: Debt collection

Fair Collections & Outsourcing alleged that I owed XXXX to XXXX XXXX. My daughter lived at the apartment, but was harassed by management and had to leave in distress. She filed a complaint and they removed the item from her credit report. The company then placed on my report, thereby ruining my credit. Because of the harassment, this should be removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

In accordance with Fair Credit Reporting Act, Upstart has violated my rights under 15 USC 1681 Section 602 which states I have the right to privacy.

My rights were also violated under 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1668b states a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Product: Debt collection

Wakefield & Associates claims I have an unpaid emergency room bill. All of my medical bills have been paid by Veterans Affairs. I do not have any outstanding bills, we called the hospital they are claiming the bill came from and confirmed this information.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act CFPA ), 12 U>S>> 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File XXXX. XXXX ) against them for similar violations. I request that the CFPB. 
take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

Fraudulent & Inaccurate ACCOUNTS REPORTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Shell Point mortgage servicing is servicing my mortgage. I wish to pay it off 5 years early. However, they refuse to give me the correct payoff as per the contract. And expect me to pay all interest for entirety of loan no matter when I paid off. This was a 30 year Fixed rate mortgage with no prepayment penalties. They are basically telling me to XXXX them. Which will cost me more than XXXX they are trying to steal from me. I believe this is extortion and should be investigated
Product: Debt collection

I received a letter form Sharinn & Lipshie, P.C XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, NY XXXX XXXX..stating that i owe a debt from 2009. I advised the the representative that this is a fraud debt. I have never owed this money nor have i made these charges. The representative hung up and the next day they froze my bank account. When i asked for the XXXX paper work to show that they had the right to freeze my account. They advised me that they do n't need to send me any paper work. I notified them that this is all fraud and they state that they do not care, They will continue to freeze my account. I filed a fraud Affidavit and sent it to them as well.I need my bank account release and my name remove from this debt. I am not responsible for this debt.