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

XXXX XXXX i got a paper payroll check from my company cause they are slow at adding my account to the direct deposit i needed XXXX cash to pay rent and put gas in the tank. also wanted to get some fast food. so i didn't have my new debit card cause my old checking account got hacked and i lost XXXX XXXX 's and that the bank was investigating. 
gave all the information needed and the clerk told me i couldn't get any Cash there is XXXX hold on my checking account. i demanded answers and she told me 3 checks went threw and i was in rhe negative bla bla.i ask her who what when. and is all was clear so she gave me a receipt and said on sat i could get {$220.00} i was starting to see red and walked off. i called wells Fargo and was demanding to remove the hold but no one did. i cooled off and went back in got the {$220.00} and put gas in and got top ramen for the weekend.monday ( today XX/XX/XXXX) i tried to make a purchase and they said declined once again I'm out of has starving and bills are racking up my checking account. i called Wells Fargo again and said can you front me some of my money im thin in the skin and im out of gas same answer last time " no '' I replied your losing a client real quick! and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are incorrectly reporting me as an Authorized User on XXXX Card partial account number XXXX. ( Please see page 4 attached from my credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX  have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Money transfer, virtual currency, or money service

This matter involves my Google.com Play Card Account. They refuse to allow me to redeem the funds I have paid into the account. I have made numerous attempts with Google Support Team to resolve this matter to no avail. This Google Play Vard was purchased at XXXX XXXX  here in XXXX, Nevada. When I went to redeem the message will come back stating we need more information to process. They ask me to submit a copy of both sides of the card itself including the lengthy code, copy of the receipt, and the location such as the town and state it was purchased, my email address and telephone number. I submitted this several times and the message returned states that " This is not eligible for appeal. I told them I wasn't appealing but trying to redeem my money so I can get it back into my bank account. I bought this for a friend, but she changed her mind and didn't want it, that's the main reason why I need to redeem it so I can put it back in my checking account. Thus far they have made this process so difficult to get my funds back. This transaction was made at XXXX XXXX on XXXX XXXX and have reached out to Google.com Support Team ever since with no resolution. Obviously, they are stealing my money. Why does a company this size worth billions need to take my money? I'm hoping for a resolution to this matter.
Product: Credit card

After learning about recent data breaches in which exposed my personal information, we noticed several cases grew from space linking me to unusual accounts. Ive explained the dilemma with Capital One several times in an honest attempt to remove this account. on XX/XX/year> and XX/XX/year> I spoke with HR representatives explaining that the experean breach and XXXXXXXX XXXX act that this could all be a misunderstanding. Requesting that Capital One provide us with a handful of specific docs could solve everything.
Product: Credit card

My husband and I went to browse at a local furniture store, XXXX 's, in XXXX 2015. We were approached by a saleswoman named XXXX XXXX XXXX told us about their current sale and asked if we wanted to see what we would qualify for in credit. We provided our driver 's licenses and verbally gave our gross salaries. I do n't remember if she asked for our SSNs. We continued to shop and she came and told us we qualified for {$11000.00}. We continued to browse and decided not to purchase anything. 
In XXXX I received a Wells Fargo XXXX 's credit card. I did not sign anything authorizing the credit card to be opened, nor did my husband. We were shocked. Then on XXXX/XXXX/15 I received a letter from Wells Fargo apologizing for not being able to authorize the larger amount we requested, but that we were approved for {$11000.00}. I never authorized XXXX or XXXX to open a credit account. I called XXXX 's and asked if their salepeople earn commission on opening new credit accounts. I was told they do not. I am unsure who actually opened the account in my name. Again, I never agreed or signed anything. 

This new account did show up on my credit report. We had recently purchased a home and opened a line of credit elsewhere. This additional credit inquiry and open account is not helpful for my account. Simply closing it would also be detrimental to my credit score. I am unsure what to do at this point?
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not accurate and are affecting my livelihood. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ALL " Dept of Ed/XXXX  '' accounts ALL Inquiries need to be deleted!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Have XXXX years of perfect credit. Never late on ANY bill, payment, mortgage. I have 5 homes that I rent out and never one late payment ever. Went to refi my primary residence and they pulled all 3 credit reports and 2 were fine but XXXX  reported that ASC ( Now Wells Fargo ) have a 30+ day late payment from XXXX. Simply didn't happen or if it did by some strange reason, it was quickly corrected. I vaguely remember they had an issue sending out invoices during that time and they BLAME me for not making a payment. Simply not true but none-the-less, got transferred from person to person trying to resolve. Again, 6 years ago this happened not recently yet they recently reported it as recent as last year. Obviously I am disputing this but 2 different loans with them dating back to XXXX and never 1 late payment Maybe think outside the box and see the history and maybe believe me???? I mean really people.
Product: Checking or savings account

I got a call from USAA on XX/XX/23 about my account and they are still holding me liable for fraudulent mobile deposits on my account. They are taking my money and basically feel like they are trying to still put the blame on me. How am I suppose to know how security works? if someone was able to obtain account information or able to hack my account. from my debt card why am I still being held liable. They sent me a letter saying their was no fraudulent activity but still turn around and hold me accountable for this. I have already lost XXXX from them taking money from the withdraws that were made. They made me negative XXXX plus the extra XXXX that they are stealing from me. I don't feel safe talking to this bank no more and iv been a customer for over XXXX years. Why would I self sabotage my own bank account? I work XXXX jobs and I am extremely busy I make my own money. I don't need this extra baggage on me. Down below is a letter attached claiming they said their was no fraudulent activity so it made me assume they are fixing my account, but they called me and feels like they aren't gon na do anything about it and still hold me liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern looking at my credit report I noticed some errors in the reports by XXXX, XXXX, and Equifax. 

1. Personal information on my report that is not minds ( Names and address ) .I live in North Carolina   Presently for the last 8 years. Havent live in XXXX XXXX Alabama or XXXX XXXX Arizona. 

2.Student Loans from XXXX for XXXX dollars starting on XX/XX/16 and another one from XXXX for XXXX starting on XX/XX/16. 

3.Old information and accounts over seven years keep appearing up.
Product: Bank account or service

Bank of America charged a {$35.00} fee on a cash transfer -when there were available funds-, causing my account to drop into the negative. After contacting BoA, they admitted that yes, they applied this fee to a cash transfer when there were available funds, yet refused to return the fee. I went to management, and filed a claim through their process which they then denied. I have a copy of the online chat with their representatives and a screen capture of the charges applied to my account. I do not understand how this is not flat out stealing.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent XXXX and XXXX credit report, I noticed multiple inquiries that I did not authorize to pull my credit report. The inquires were made by the following companies : I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting 15 uscAct Section 1681b ( c ) and a serious breach of my privacy rights.

MY CLIENT PUT A CREDIT FREEZE ON HIS CREDIT REPORT ANY unauthorized inquiries SHALL DELETE immediately XXXX and XXXX DID NOT REMOVE ALL UNAUTHORIZED INQUIRES AS THEY PROMISE AND NEED TO REMOVE ALL UNAUTHORIZED INQUIRIES. 
THEY DID NOT DO ANY investigation VIOLATE LAW 15 USC 1681b 15 U.S. Code 1681d - Disclosure of investigative consumer reports 15 U.S.C 1681 section B ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Product: Debt collection

I am sending this complaint but more than a complaint, this is an intent to avoid any further action against Synchrony Bank. I've been trying to solve this situation for months and I've been ignored. 

There is a late payment reported in XX/XX/XXXX. I Called Synchrony in early XXXX around same time payment was due and told them about a deferment, I told them that Id pay on the XXXX and they said ok! I recently brought account current on XXXX. 

The Motor finance dealership financed through synchrony bank. I get mailed statements and it took around XXXX years to get auto pay. I just put it on auto pay after the late payment was reported. 

Synchrony account # XXXX, opened date XX/XX/XXXX, high balance {$7900.00}. 

I am just another client trying to get his credit freedom back, however this company has been negligent, they said it was ok for me to pay on XX/XX/XXXX. This didn't happen because I just didn't want to pay. 

My request is that Synchrony removes the late payment or the entire trade line of the account and sends the notice to the 3 major credit bureaus. This situation is overwhelming, I've been with several physical manifestations of XXXX. My financial life is being affected and I just want a fair solution to this problem. 

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

IN REGARDS TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX. THIS CREDITOR HAS BEEN REPORTING 2 ACCOUNTS INACCURATELY AS IF THE ACCOUNTS ARE ACCURATE. HOW IS THIS POSSIBLE WHEN I HAVE BEEN A VICTIM OF IDENTITY THEFT WHICH I HAVE PUT THE BUREAU EQUIFAX ON NOTICE AS WELL AS XXXX XXXX XXXX THAT THESE 2 ACCOUNTS THAT WHERE OPENDED FRAUDULENTLY. I'VE SENT NUMEROUS DEBT VALDIATION CERTIFIED LETTERS IN TO THE COMPANY ON XX/XX/20018 RECEVIED BY AGENT XXXX XXXX ASKING TO PROVIDE ME WITH THE ORIGINAL DOCUMENTS THAT CONTAIN MY ORIGINAL SIGNATURE. NO RESPONSE HAS YET TO BE GIVEN IN REGARDS TO THIS BUT A BOILER POINT STATEMENT PRINT OF CHARGES THAT SOMEONE ACTED AS ME AND CONTINUED TO PAY ON THE ACCOUNT. WHEN I CALLED IN AN SPOKE WITH A REP. REGARDING THESE FRAUDLENT ACCOUNTS SHE STATED " THE NORMALLY IF FRAUD IS COMMITTED THEN THE THIEF DOESNT PAY THE CARDS IT'S JUST A ONE TIME USE AND THEN THEIR DONE ''. I EXPLAINED TO HER THAT THESE CROOKS HAVE EVOLVED AND IF SOMEONE IS TRYING TO LIVE AS YOU AND CAN NOT GET CREDIT IN THEIR NAME THEY WILL PAY THE BILL TO KEEP IMPERSONATING YOU. IT'S COMMON SENSE THEIVES ARE NO LONGER XXXX. I AM SO XXXX UPSET BEHIND THIS FRIVOULOUS REPORTING I CAN SCREAM. I HAVE NEVER HAD A XXXX XXXX XXXX ACCOUNT NOR HAVE HEARD OF THEM BEFORE. THIS IS TRULY INSANE.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX XXXX 2019, Loan Care had obtained our mortgage loan from XXXX XXXX XXXX. No information was provided to make the online payment or where to make the payment. In XXXX 2019 we received information after several calls to get information. Loan Care provided a web address to make payment online, however their system was not working to process the payment. We called Loan Care more than 5 times to send us information regarding where to make the payment to. Loan Care provided an address which turned out to be the XXXX XXXX processing center when our payment should have gone to the XXXX processing center. They have agreed that it was their mistake however still reported us late. Loan Care did not charge us a late fee for the month of XXXX because it was their mistake. In XXXX they also reported us late however never charged us a late fee. We have had our mortgage for 7 years and never missed one payment. In fact in XXXX we paid 2 months worth or the mortgage because they said they never received our XXXX payment. Later we find out it did in fact come off our principal. I know have 2 late payments in which Loan Care will not provide a way to dispute. I called Loan Care and complained and the rep stated she was in fact filing the dispute while I was on the phone. I waited 4 weeks to call and follow up and they state no dispute was ever filed. This company is horrible and come to find out SEVERAL people are complaining about this same issue. Double billing and reporting late to credit bureaus when in fact no late payments were made at the error on my behalf. I am beyond the point of anger when it comes to Loan Care and their terrible customer service. 

PLEASE HELP
Product: Checking or savings account

Robinhood has restricted my account for no reason and even after verification that it is my account they still have not given me my money back. At this point I dont even care about the account. Just refund me my money I deposited.
Product: Mortgage

Mortgage paid off by certified check on XX/XX/XXXX. Company did not submit request to XXXX County until XX/XX/XXXX. I can not get a straight answer from SLS about receiving my deed. Getting conflicting information from two different representatives at SLS. Promised documentation not sent to me by company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries that's reporting on my credit files are fraudulent inquiries and I'm demanding that they are removed. I do not have any knowledge of these unauthorized dark web fraudulent made inquiries. 

1. XXXX ( XXXX ) 2. XXXX XXXX ( XXXX ) 3. XXXX XXXX XXXX XXXX ( XXXX ) 4. XXXX XXXX XXXX ( XXXX ) 5. XXXX XXXX ( XXXX ) 6. XXXX XXXX XXXX XXXX XXXX ) 7. XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, 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 XXXXXXXX : # 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 card or prepaid card

We made a purchase with a merchant - XXXX XXXX XXXX in XXXX NV. of 4 tires. 
Due to a email issue ( still unknown ) a confirmation of the order and subsequent tracking information never arrived to us. 
We filed a dispute of the amount with our credit card company, USAA. 
The funds were refunded to us. 
2 days later we made contact with the merchant and discovered there was an email issue preventing information arriving to us. 
By XXXX and XXXX all of the tires ordered had arrived. 
We immediately filed a release of the dispute with USAA. 
As of XXXX XXXX XXXX XXXX has still not been refunded and our card still has not been charged to amount due. 
This is in violation of USAA terms which require resolution in 3-7 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted XXXX about the following incorrect information on my credit report. To this date, they have not responded. I am therefore submitting this request to the Consumer Financial Protection Bureau to investigate and correct the errors as soon as possible. 
The following account is not mine : XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1100.00}, Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$460.00}, Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$4300.00}, Original Creditor XXXX XXXX ) XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$400.00} ) XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$460.00}, Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$560.00}, Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00}, Original Creditor : XXXX XXXX XXXX XXXX Furthermore, the following account is inaccurate : XXXXXXXXXXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$400.00} ). The account was never late. Please correct/update this inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

Portfolio Recovery agreed that it would delete this from my credit report
Product: Checking or savings account

I have been trying to open a bank account for a few years now and I keep getting denied because Bank of America has me reported to check systems however I have never been a customer of Bank of America and when I call and give them my social they are unable to find any information in their system but yet they are reporting me to check system and can not give me any valid reason and are not willing to remove me so that I can open a bank account somewhere else
Product: Credit card or prepaid card

Dear CFPB, If this wasn't happening to me then I honestly wouldn't believe it. I have been a loyal card holder of my XXXX credit card plus I drive an XXXX XXXX. Both items have never been late but for some strange reason I receive a threatening letter from XXXX card member services on XX/XX/2021 indicating in a letter format that because my account is currently inactive for non using my " XXXX BALANCE '' credit card during covid ( which I purposely did not use because I didn't want any debt because of these uncertain times ) ... the letter plainly stated I was a credit risk. 

In fact the letter says : The primary reason for this decision were - * Account is currently inactive The letter from Card member services went on to say that my good standing credit card would have its balance reduced from {$2500.00} to {$500.00} which ultimately would affect my credit score " SEVERELY '. And it did. I received a credit alert notice from XXXX  today stating my credit score had dropped 10 points because of the reduction in this credit balance.

Cardmember services indicated in its letter that there decision was based on a credit report they pulled from XXXX  ( when I did not authorize this nor was I credit risk ) so this was pulled fraudulently and maliciously. I feel they are targeting there XXXX American base of clients with this redlining process they are implementing. if I had a high credit limit, was late multiple times or behind on a current payment then I would understand the retaliation but thats not the case here. 

I have a " XXXX BALANCE '' credit card in impeccable standing and as a consumer I am choosing not to use it unless its for emergencies just like the rest of the population - preferably XXXX. 

I always maintain a credit score somewhere between XXXX to XXXX but even in this situation I still had a high score considering the national average. I have attached a copy of my credit score from XXXX  which I'm a member of XXXX XXXX and I monitor my credit like a hawk so for this to happen and get punished for actually having a pro balance during one of the bleakest periods in history for mankind is really scary that Cardmember service is taking this bold move to harass, punish and push its members to run up debt to appease its shareholders is absolutely pathetic to say the least.
Product: Debt collection

Repeatedly called and hung up. Left no message despite the fact that their website states : " Our PCE ( Positive Consumer Experience ) program specifically focuses on being compliant in today 's recovery environment. '' They 're not compliant when they do n't state that they are a debt collection company and that they are calling about a debt or what the debt is for.
Product: Debt collection

I joined XXXX XXXX XXXX XXXX  in XXXX. I was told it was for 2 years with a fee of XXXX $ to cancel, no more no less. So covid 19 comes around, and doctors say the gym isnt a good place to be. So on XX/XX/XXXX I reach and call customer service to cancel. I pay the XXXX $ and the remaining months balance and to the best of my knowledge it cancelled. So I get a collections notice on my XXXX  credit report from XXXX ( XXXX XXXX XXXX XXXX ) saying I owe them XXXX $ starting from charges from XX/XX/XXXX. But I had already cancelled in XXXX of XXXX. I call the XXXX  rep who confirms my email to cancel, but proceeds to tell me that my reason of job loss due to covid is NOT a valid reason to cancel my membership. Why do I need a reason this company sees as valid in order to cancel my membership? Isnt this a free country? And again I paid the XXXX $ Cancel fee and any other balances back in XXXX of XXXX, this was confirmed by the XXXX  rep I spoke to. But again, the XXXX  rep stated my reason is not valid. She then states the only reasons you cancel include things like death, disability or relocation. But not job loss due to covid. This is ridiculous and frivolous!
Product: Mortgage

Chase bank, my late brother had a mortgage with Chase and when he died I sold his house. Im the executor of his will. Chase bank has XXXX dollars belonging to me. I have tried for 7 months to get a check from them and they just ignore me or give me the run around.