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

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the fourth complaint I have had to make about the lack of response. My most recent complaint was made on XX/XX/2021 and was accompanied by a dispute submitted directly to TransUnion, XXXX and XXXX. While I understand that there is a pandemic which can cause delays, I have not received anything from them since my dispute on XX/XX/2021. This is not a delay : this is negligence on the part of TransUnion, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by TransUnion, XXXX or XXXX to resolve anything. the DAY after I filed my original complaint, data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. TransUnion must be held accountable and to the standards clearly outlined in the FCRA.
Product: Checking or savings account

XXXX XXXX, Bank representative XXXX-XXXX-XXXX/cell XXXX XXXX XXXX  XXXX XXXX XXXX , FL XXXX XXXX Bank telephone number Business Savings Account XXXX was opened on XX/XX/XXXX with a {$15000.00} cash deposit to qualify for a {$200.00} new account rebate offered by Chase Bank of XXXX . 
The {$15000.00} was to remain in the account for 90 days and then I would be credited {$200.00}. 
Account not credited. I called XXXX XXXX in XXXX about the {$200.00} but was told the manager was sick and she would get back with me. 
Called XXXX XXXX on XX/XX/XXXX, was told she was busy and left a message with a man who answered the branch Chase telephone that he would send an email to her. I also called her private cell telephone number with no return call. 
On XX/XX/XXXX, I went into the Chase Bank and met with XXXX and gave her documentation regarding my account. I asked to speak with the manager and was told he was not well. 
I feel that Chase is avoiding paying the agreed amount of money for opening the new business savings account and will follow up with a complaint. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX  XXXX, FL XXXX-XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance : {$0.00} CONNS XXXX Balance : {$2300.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit reporting or other personal consumer reports

EQUIFAX, XXXX CREDIT SER, XX/XX/XXXX EQUIFAX, XXXX, XX/XX/XXXX EQUIFAX, XXXX XXXX, XX/XX/XXXX EQUIFAX, XXXX XXXX AUTO, XX/XX/XXXX EQUIFAX, XXXX SYSTEMS, XX/XX/XXXX EQUIFAX, XXXX XXXX XXXX XX/XX/XXXX EQUIFAX, XXXX XXXX, XX/XX/XXXX EQUIFAX, XXXX FINANCIAL, XX/XX/XXXX EQUIFAX, XXXX PROVING XXXX, XX/XX/XXXX EQUIFAX, XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX, XXXX XXXX VIA DEALER, XX/XX/XXXX EQUIFAX, XXXX, XX/XX/XXXX EQUIFAX, XXXX, XX/XX/XXXX
Product: Checking or savings account

I received an email on XX/XX/2023 that Ally Savings Bank had closed my savings account. No reason was given as to why the company closed my account. I sense this was done in retaliation for a complaint I had filed with CFPB.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received an email alert from XXXX regarding a hard inquiry on my credit with the company KOHLS\ CAPONE . I confirmed this by signing into my experian account to see this hard inquiry I have never done. The hard inquiry and lender checked my credit on XX/XX/year>. I have no idea who did this or suspect anyone close to me. My email was found on the dark web I found out earlier this year so I think someone is digging into my information. I called the credit reporters to report this immediately and disputed. I also froze my credit accounts right away. 

I also called this lender KOHLS\ CAPONE, phone number of lender is ( XXXX ) XXXX XXXX. After providing them my date of birth, name etc. The lender said there were no accounts in my name created or any applications. I dont understand this when they hit my credit. This is fraud!
Product: Money transfer, virtual currency, or money service

I own shares of XXXX XXXX ( originally XXXX de XXXX I originally had bought back in 1987 through my XXXX XXXX XXXX account. I have never held personally any stock certificates, as they have always been held in my Brokerage accounts at XXXX ( acquired by XXXX XXXX XXXX XXXX ) . My stock holdings have always been held electronically in my account -- no certificates. Recently, I received a notice that XXXX XXXX was consolidating different classes of stock into a single class. Essentially, this was accomplished by electronically removing one name on my Brokerage statement and inserting the new name -- nothing more. No forms to process, no certificates to cancel and reissue, just electronically remove one name/description and insert the new name/description in my XXXX XXXX account. For this electronic transaction, I was charged two fees of {$2300.00} each or a total fee by Citibank of {$4600.00}!! Those charges threw my account into a debit balance for which I will also be charged an as yet undetermined amount of interest by XXXX XXXX. If you think overdraft or bounced check fees are improper, how about having this outrageous cost to change a name electronically on my statement, a decision I had no choice in making. I want all fees and interest charges refunded into my XXXX XXXXXXXX brokerage  account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with XXXX XXXX. No issues from them or myself from XX/XX/XXXX to XX/XX/XXXX. I authorized a payment. That payment was taken 2 times instead of 1. I contacted their customer service 3 times without success. They out source. The answers l was getting were not making any sense. So l called my bank explain the situation. They confirmed should not happen. They took my payment back. I went about doing what l have done in the past. Come time to make a payment. I had no access to the app or online. I called customer service they said l need to send a letter to my bank not holding them at fault. I said why? you were at fault. They said I have no access unless i provide the letter. I said ok.. I close the account. I made account payments that same conversation. I did what l normally do. Went about a month and just before payment time. I get a notice my account was a charge off for not making payments. I called customer service and they said my account is turned over to collections. I said what??? They had bogus reasons, all not true. I asked to be moved to that Dept. I went over my payments and they were confirmed by them its in their records. So i asked why the Charge off. They said i need to contact fraud Dept. I have left 5 messages never a call back. Or a pdf copy of my account requested since no longer having online access. I called my credit reporter Experian disputed and was given a response all accurate. I went back to my credit report and saw many changes they did to fraudulently provide misleading history. They lied, they have gone in to falsify documents and state inaccurate info about. They are lying, they have been fraudulent, They have produced slanderous statements. They were using extortion to bully me. I need help. They are bullying me and destroying my credit. With lies and slander. I am providing My bank history with balances and confirmation of payments made on time. I am have pictures of credit reporting before and after they falsely adjusted to mislead. If I need to go federal authorities I surely will. The only negative I have in my XXXX years was my son was hurt in a MVA. I had to provide care and pay his hospital bills. I thought about bankruptcy. But decided against it and dismissed without going before the court. I have all bills as shown in credit report on time every time for my XXXX years.
Product: Debt collection

I received a letter and multiple upon multiple repeated phone calls ( 4+ calls within the hour ) daily threatening to sue me for hospital bills. I was under Colorado XXXX at the time. I dont know why I have this debt or why I am being harassed daily. This company is aggressive and unethical.
Product: Vehicle loan or lease

XX/XX/2022 on Friday, I went to XXXX XXXX to try and finance a car. I told the agent the vehicle I wanted and shortly after I was told that in order to get the car I wanted I would have to put more money down or get a co signer. I asked the agent I was working with as well as her manager what banks they tried to go through, as well as their address and phone number. I was told that they could not tell me and that I would receive a letter in the mail with information I required. I was told there was four banks and I only received one letter. On XX/XX/XXXX. XXXX  I received an adverse action from Capital One, the letter stating I was being denied. I then called Capital One to inquire why this was the case. I asked for what laws stopped you from approving me. I was then told that it could have something to do with my credit report. I replied with the following three USC laws. 15 USC 1602 ( f ) which tells me credit is my right, 15 USC 1603 ( p ) that makes it clear that fraud was committed by taking my credit card without authority and I received no benefit, and 15 USC 1691 ( a ) ( 3 ) that states I can not be discriminated against for exercising my rights. Which he then replied that no human is actually in charge of the process and it was done through computer automation. I called XXXX XXXX I was trying to figure out the price of the car I was denied for, when looking up the information I was told that there was no car on file. When I asked how this is possible I was told that someone would call me back with no time or reason even though I was talking to a manager of the sales department.
Product: Credit reporting

On XX/XX/XXXX I tried to order all XXXX credit reports from the annual free site. I was able to obtain XXXX and XXXX ; however, Equifax stated my report was " unavailable '' and I would need to order by mail, which would take 15 days or more ... I do not understand why Equifax does not have to adhere to the same rules as the other XXXX agencies regarding the securing of my credit report online. On XX/XX/XXXX, I tried several times to obtain this report by calling the number listed on the website. After 5 calls, and numerous jumps through hoops, I was able to order the Equifax report via phone. However, apparently it will still take the same amount of time to receive the report by mail. This is a HUGE inconvenience to me as my husband and we have spent almost 3 months trying to refinance our mortgage while the interest rates were lower. On XX/XX/XXXX, my husband received an email from our mortgage company stating everything was great except one dispute. The dispute is question was supposed to have been dismissed long ago. Since the dispute did not show up on XXXX or XXXX it can only be on the Equifax report. This is creating a very difficult situation for us, and in my humble opinion, Equifax is committing fraud in that they are one of XXXX credit reporting agencies that are bound by Federal law to release a consumer report via online, as the other XXXX agencies do. In short, Equifax is bound, but not in compliance with the Federal Law, and is creating a severe hardship on my husband and myself, as time is of the essence. In addition, I am of the belief that Equifax adheres to this practice in order to force the individual that is in serious need of the report to order from their own ( Equifax ) website for the initial low cost of " {$4.00} and then {$19.00} every month ... '' I even started to do that, however, why should I have to pay for something that I should be able to acquire for free? I am now wondering if the particular disputing company is in collusion with Equifax and I intend to research that possibility further. Please force Equifax to adhere to the same rules as the other XXXX agencies and allow consumers to obtain their credit reports online without a long wait, as this is really a grounds for a consumer lawsuit against Equifax, if they continue to practice business in this manner. Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$9200.00}
Product: Checking or savings account

Capital one denied my dispute the claim id is XXXX they said it was denied due too Due to authorization and/or participation in the transaction activity. even tho I dont have my card and it was fraud and when I called in to ask why it was dispute 2 XXXX people was extremely rude and when I ask to speak to a XXXX they hung up on me! I would like them to review it again and give me my money back this is a large amount!
Product: Credit reporting or other personal consumer reports

XXXX XXXX Hope all is well first i would like late payments deleted off my credit report due to 15 USC 1692c, 15 USC 1692g, 15 USC 1681e. 31 USC 3123 AND 18 USC 8 STATE ALL BILLS ARE PREPAID THEN WHY ARE IM I PAYING DOUPLE. 
18 USC 894. I WOULD LIKE THIS TO BE TAKING SERIOUS BECAUSE MY CONSUMER RIGHTS CONTINUE TO KEEP BEING VIOLATED.
Product: Vehicle loan or lease

Santander reposed my car years ago, sold it at an auction told me how much they sold it for and still told me I have an over {$12000.00} balance. During my time with the vehicle I told them over and over the car was falling apart and my job was cutting back and that the car shouldn't be having any problems that soon anyways. So, eventually they came and got the car it was an overwhelming ordeal to deal with them and I'd rather not do that again. They've messed up my credit from a car I don't have and they took an resold ...
Product: Credit card

Citi got money for balance transfer now need to pay off XXXX XXXX been waiting since XXXX last year please just pay off
Product: Credit card or prepaid card

I reached out to the Kikoff support team on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/XXXX XXXX and XX/XX/2023 and XX/XX/2023. On each attempt I received an automated response advising I would get a response back in 3 to 5 business days but there responses are usually very delayed. I ask for a resolution regarding not receiving the {$200.00} bonus. I have met all of the requirements to receive the funds but still havent gotten them. response as to why they have not processed the {$200.00} bonus that was offered. Kikoff support confirmed in all the emails that I have met the requirements and the bonus will be processed in 1-2 business days but this never happened. They have stated that I would be credited {$200.00} since XX/XX/2023. On the most recent email they advised again it would be 1-2 business days but still nothing.
Product: Prepaid card

I ordered 3 AMEX gift card totaling of {$2500.00} back in XXXX. And once I received and activated them, my cards got declined all the time. And I had no issues before when using these gift cards. I called AMEX, they confirmed with me it was identity issue, and I asked if there is anyway to get the problem resolved. They said no, and might be used in person to avoid identity issue and deactivated my cards which is not reasonable, and I am the owner of these cards. I then called the 3rd party where I ordered these card from, the agent from the third party was pretty helpful, communicated, helped me to reactivated these card. This process took more than 2.5 months. However, after XXXX weeks, my cards got declined again and again. It looks like I can't even use them in person. It makes no sense to me that I am going to waste {$2500.00}, and if this is the case, it's a scam of AMEX. I ordered these card because I had no issues before, and if I knew this case earlier, I wouldn't have avoided this option. I am really frustrated about the way how they solve the problem, and they don't care about how much money it's related, because it's not their money and they already sold it. I am kindly asking them to give me a solution how to use these card please.
Product: Credit card

Synchrony Bank / Venmo /Crate & Barrel XXXX Care Credit XXXX Paypal Synchrony Bank with all the creditors listed above have lowered my available credit. I have made payments all on time. There is no reason for this. My income has increased by almost {$17000.00} in the year and half. Every time they do this my credit score plummets by XXXX points. Thus far it has dropped 3 times between XXXX XXXX points. This is a preditory company. No other company has every done this to me. I am XXXX and my credit score is everything. How is this possible. I want some resolve. DO NOT USE SYCHRONY CREDIT FOR ANYTHING THEY ARE A PREDITORY COMPANY. 
Another problem, is if I close these accounts again my credit score will go down.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, XXXX and Equifax alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX XXXX and Equifax has neither corrected nor removed disputed items despite the evidence provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts. As XXXX XXXX and Equifax inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

The company took it upon themselves to lower my credit limit by {$1300.00} stating they sent a letter, which was never received. i questioned the change they said they have the ability to change a limit or close a card based off monitoring credit, i have had the card for almost 3 years and have never had any issues with it, there was one payment returned by the bank because they didnt recognize it as my husbands card and thought it was fraud, the payment has since been paid. they lowered my card from {$2000.00} to {$700.00} when theres already a dental charge on there for almost {$600.00}, so now they have not only harmed my credit by doing so, it shows that the card is at 80 % use. i can no longer even use the card. its unfair and abusive for a credit company to take advantage of a customer in the way they have, simply after one issues in the whole 10+ years i have even done business with them.
Product: Vehicle loan or lease

DBS are making harassing calls. They called to say they are under new management and 1 day past due the car is up for repossession. They refuse to give me a copy of the contract because I had never heard such a thing. The way I work my deposit can be stagnant between XXXX  or XXXX. I was forwarded to a manager by the name of XXXX. Whom said it doesnt matter whats in the contract an hour late he can order a repossession. He made countless threats and repeatedly told me he will talk to me however he wants hes in charge and that he will have it repossessed and SUE me if my payment isnt in by not XXXX  XXXX. I thought these actions were against CFPB rules or something.
Product: Debt collection

I sent them a cease and desist letter which they confirmed that they received in XXXX but they still contacted me after receiving the letter by sending me a letter on XX/XX/XXXX which is a FDCPA violation.
Product: Debt collection

In XX/XX/XXXX, XXXX XXXX XXXX needed to replace her roof at her home in XXXX XXXX XXXX so we found a roofing company called XXXX XXXX ( based out in XXXX XXXX ) and she was able to finance it through a loan company that the roofers recommended called Good Leap, located in XXXX. All of the documents were signed in my mothers name, XXXX XXXX XXXX. My name is XXXX XXXX XXXX. My mother began to make payments of {$520.00} per month. The loan is supposed to be {$30000.00} for the replacement of the roof but they increased it to $ XXXX $ XXXX over a span of 20 years with interest. My mother recently passed away on XX/XX/XXXX of XXXX. Because her last will and testament names me as the executor of her estate, I notified every one of her creditors, via telephone, email, and certified letters along with a death certificate for verification of her passing. Good Leap was included as well. I also informed them that I would begin the probate process to sell her house so that I could pay off her debts. Good Leap continued to harass me via text, email, and in-person with an unprofessional letter claiming that the debt is mine and that if I dont pay it, they will take me to collections and ruin my credit. Ive spoken with Good Leap several times telling them please to cease and desist from harassing me any further but they are still continuing to do so. I have assured them several times that my mother had died, everything is currently going through the probate process, and that Im not trying to cheat them but they refuse to listen. I also found out they have a major class action lawsuit valued at {$34.00} XXXX against him in the XXXX for illegal practices of the same manner. They have several complaints with the XXXX XXXX XXXX  and other agencies as well for the exact same types of practices ( whom I had also filed a complaint with ). Im at my whits end with having to sell my mothers estate, find somewhere to live, and constantly being harassed by Good Leap. I recently spoke to a realtor and she also agreed that this type of practice is unethical on their part. I pray to XXXX that someone can help me or guide me to the right resources in solving this matter. I am overwhelmed and I just dont know what to do. I would appreciate any type of assistance and I thank you for your time.