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

On XX/XX/2023 I asked the XXXXXXXX XXXX XXXX of First Horizon Bank to put a security freeze on my bank account while under litigation with my ex-fianc. The bank officer confirmed that no funds could be moved from the account without his approval. 

On XX/XX/2023 the branch manager assured me that my XXXX XXXX XXXX payroll would be locked into the account until I visited the next day to withdraw it. 

On XX/XX/XXXX, someone at First Horizon took the fraud hold off my account, and the entire payroll check was transferred out by my ex-fianc of whom an order of protection was granted against. 

First Horizon now reports me for Account Abuse to XXXX XXXX. This has prevented me from opening up any new accounts anywhere. 

I have disputed this information with both First Horizon and XXXX to no avail. 

Please remove the improper reporting of this account. XXXX XXXX is the culprit for account abuse.
Product: Vehicle loan or lease

I have exercised my right to rescind and revoked all Powers Of Attorney that was given to dealer. Also have notified Kia Finance and have yet to receive any response. 

NOTICE OF DISPUTE is in the Attached Documents along with Proof of claim.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX, XXXX, XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit card or prepaid card

I signed up for the payment assistance through Chase and was told that there wouldn't be any fees or interest on the account during this time. When I looked at my statements I see that they have been charging interest these past 3 months. I called and offered to pay off the account and was told they wouldn't remove the interest. I believe they are giving false information to clients and then sticking them with high interest fees.
Product: Debt collection

Capital one Card has been flagged as fraud and removed from XXXX and XXXX. Captial One has continued reorienting the inaccurate and invalid account to XXXX violating consumer rights by reporting inaccurate and incorrect data and has refused to halt doing so even with fraud reports and request for removal
Product: Mortgage

Hi my name is XXXX XXXX I was very ill and I apply for a forbearance and last year I start my process to start my payments and I qualify for a loan modification I send all the documents notarized and they send it back because it was a problem I fixed and send it back and they tell me to start making payments wich I did I start in XXXX XXXX until present but I dont see my account been fix I call many times but no body help me and I dont know we're the money is going is 6 months I been paying but Fredomorgage don't give me a answer every one has different excuses and explanation please help me my number is XXXX XXXX thank you
Product: Bank account or service

On Wells Fargo 's online banking website, there use to be running totals for each transaction on the checking accounts, savings accounts, and on the platinum visa credit cards. Wells Fargo recently redesigned their online website, and now only have a running balance per transaction on their savings accounts, changed the checking to only daily running balances, and completely removed any running balance/total at all from the platinum credit card accounts. With no running totals for what is owed on the platnium credit card accounts, customers no longer have a way to check and balance their grand total. Wells Fargo can literally put any grand total as owed without customers being able to check if it 's accurate unless they go back to the beginning of time with their account and calculate each transaction by hand. Not only is that a huge issue for customers, but Wells Fargo 's online records do n't even go that far back. So customers are just supposed to trust that their total is correct. It seems very suspicious that Wells Fargo would due away with this feature, especially in light of all of the fraudulent activity going on with Wells Fargo in the news. I would think it 's illegal to due away with that feature and give customers no way of checking their grand total owed on their credit card? I feel it really needs to be looked into and investigated. A Bank should not be allowed to remove data like that and expect customers to just trust their grand total owed without any way of confirming it 's accurate.
Product: Credit card or prepaid card

I've been unable to access my Apple Credit as Goldman Sachs / Apple is unable to input a new e-mail address for me to gain access to the card. The representatives have informed me that I have to close down the credit card and start a new one in order to access my credit card. This of course would hurt my credit rating and seems extremely convoluted for a consumer to have access to my account. I'm unable to review my balances, make payments, or make new charges with my apple card.
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified XXXX XXXX format reporting standards.

Your agency is in violation!

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. 
Delete this at once!
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX   sent my husband an email that he needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from mu report. 

DEPTEDXXXX XXXX {$4000.00} DEPTEDXXXX   XXXX {$5300.00} DEPT OF EDUCATION/XXXX   XXXX {$1700.00} BANKRUPTCY CHAPTER 13-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER 7-DISCHARGED XXXX {$0.00}
Product: Credit card

A Military Star credit card bill was paid in full and sent to XXXX XXXX by the due date of XXXX XXXX. The amount due is {$76.00}. The XXXX statement due date is XXXX XXXX. As my records show XXXX XXXX received the payment on XXXX XXXX. On my Military Star XXXX statement there was a late fee charged to my account. I called XXXX XXXX customer service and was told that my account number had been changed by XXXX XXXX. Upon research by XXXX XXXX my account number was matched with the previous account number on XXXX XXXXr. Military Star ( MS ) are charging me a late fee and interest because MS processed my payment a day after receiving it. 
I provided Military star with my XXXX XXXX  records that payment was received on time. I requested several times that Military Star remove this charge. 

They stated they do not waive late fees. I stated that I was requesting that correct their error.
Product: Credit card or prepaid card

Repeatedly Citi CEO XXXX refuses to answer me. How outrageously rude! 

Citi is charging me {$40.00} per month for each month that there is a balance due and owing. 
And so the late fees are not astronomical. 

I shall not, shall never, pay these late fees no matter how many times Citi and its lawyers take me to court. 

My beloved wife XXXX and I live ONLY on Social Security and can not at all make ends meet. I shall never pay these late fees! 

I shall declare bankruptcy if necessary!
Product: Debt collection

I had a XXXX in XXXX of XXXX and I am still waiting for the final invoice. I have paid everything that was asked of me to pay. The XXXX was pre approved by insurance and now I am receiving a invoice saying I owe : {$35000.00}. When I called my insurance company the first time they told me that the hospital never even sent them a invoice. Since then I have been in constant communication with the hospital and my insurance trying to get this paid. The last time I called the hospital was XX/XX/XXXX and I was told the bill is not final and it is on hold. I was told not to pay it at this time. Today I received a notice from a collection agency. I have no problem paying the money I owe but I need the invoice revised to the proper amount. After receiving the notice today I called XXXX XXXX billing and again they said its on hold, call back tomorrow. I need some help resolving this.
Product: Credit reporting or other personal consumer reports

I have noticed unauthorized accounts on my credit report, likely resulting from identity theft or fraud. Please remove and block these fraudulent entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inaccurate addresses appearing on my XXXX  and trans union credit report. 
the address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nv XXXX This address doesn't even actually exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. While traveling for business my wallet with my, drivers license, credit cards and social security card was stolen from a rental car. I filed a identity theft affidavit and police report. I sent it to Equifax 4 times. Spoke to two supervisors and faxed to one. My identification was used in an emergency room that I have never been to. 
All information was sent to the collection agency that never contacted me before having this put on my credit file. I contacted Equifax 5 times and asked for it to be deleted and blocked and I was told that it would be taken care of, however 4 days later it is still showing up on my credit file. I called and asked to speak with a supervisor on XX/XX/2019 3 times being transferred back and forward between the overseas agents and the American agents. Every time I have to call Equifax this is how I am serviced as a identity theft victim who has provided them with all documentation. I am also a victim of the Equifax breech. I remained on the line for 45 minutes while sending this waiting once again to speak to a supervisor. I contacted Equifax immediately when MYFICO sent me an alert that something had been added to my credit file on XX/XX/2019. An agent told me that on XX/XX/2019 that this collection of {$500.00} was deleted and blocked. As of today XX/XX/2019 it is still showing on MYFICO and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Ss # XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that I find to be problematic. 
The inquiry in question was apparently made by Flagship Credit AcceptanceXXXX XXXX  XXXX XXXX, TX XXXX I contacted Flagship Credit AcceptanceXXXX XXXX XXXX, TX XXXX and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,
Product: Checking or savings account

I've been going through a hacking process for XXXX months. They started hacking my phone line. I went to a XXXX store near my house. I have a receipt. When I got my bills back, the persecution began. There were days of fear, hunger, and XXXX... But I continued with my life. Around the middle of XXXX, I had an argument with my sister and was fired by her, losing my job. I'm XXXX XXXX and I'm in a program called XXXX XXXX, which gives me medical and XXXX care and rent assistance. My case manager can prove it. I requested help and was approved after proving everything I could. These cybercriminals wouldn't leave me alone for a second, wanting to know about my personal bills. A few days later, guys showed up at my house, taking advantage of the situation, and told me that I had been with some married men. Look, it's not my fault. They're the married ones. I'm single. They came to me. I didn't go to their house. My money and my accounts started to disappear from my account in small amounts. I would beg for help, cry, and go hungry for days because I didn't have my accounts. I met some people involved and just asked them to leave me alone. Until the last XXXX days, they took advantage of the XXXX XXXX to take justice into their own hands, saying they were citizens who wanted to clarify why I had a company, the one I forgot I opened to work as a cleaner and organizer. They, who had nothing better to do, found through tracking my account a fee that I needed to pay. Now, I'm not in my country, and I've never worked with the company, it was forgotten. When I earned {$30.00} for a house I cleaned in XXXX, they decided to take that money Means of using hacking - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account - My device 's XXXX ( bugged ) And my sister 's too, we were called XXXX patients, that I was stealing money from the government because I didn't declare the fees from that company and the XXXX XXXX XXXX XXXX, that I had to leave the country, that I wasn't a citizen Eavesdropping was added to the apps, because in addition to being monitored, they want to know where I am. 

I tried to apologize, I tried to negotiate but nothing worked, they want to be called bandits, hackers. Torturers and thieves
Product: Debt collection

I started receiving bills about a credit card that I did not owe from Portfolio Recovery Associates, with addresses in California and Virginia. I requested documentation that this debt belonged to me but all they sent was copies of statements.
Product: Student loan

The school closed and withheld my transcript for a XXXX balance. Also, my transcript was not completed even though I XXXX  with a XXXX and all credits were completed. When applying for a job and stating that I XXXX  from XXXX with a XXXX  it shows on my transcript as incomplete. Which caused me to be disqualified from the job I applied for because I said I XXXX  from XXXX. This has been a complete headache. I also have a letter from XXXX that all credit was completed for I XXXX  with a XXXX XXXX. Due to the school closing, the transcript can not be updated.
Product: Consumer Loan

Leased a car Thru Volkswagen Credit XX/XX/XXXX and leased a XXXX car from Volkswagen Credit XXXX, under the understanding that the disposition or return fee for the XXXX lease will be waived as I was leasing a XXXX car from them. 

The XXXX lease was returned today and Volkswagen Credit is charging me a disposition fee ; unfortunately I can not buy or lease a car from VW because they DO N'T have the desire SUV
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account, associated with the email address XXXX. I firmly believe that this limitation is the result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

As a long-standing PayPal user, I have consistently upheld PayPal 's terms and conditions. Maintaining a positive and trustworthy relationship with PayPal is paramount to me, and I am fully committed to resolving any issues or concerns that may have led to this unfortunate situation. 

I kindly request that PayPal conducts a thorough reevaluation of my case, carefully examining the circumstances surrounding the permanent limitation of my account. I am confident that such a review will reveal an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also allow me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I greatly appreciate your prompt attention to this matter and kindly ask that you initiate the review process as soon as possible. If there are specific documents or details needed from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I eagerly await a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

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

Someone applied for a Bank of America ( BofA ) Alaska Airlines card in my name and I have a Hard Inquiry on my Credit Report ( s ). 

I spoke to XXXX separate people on the phone with BofA and they ASSURED me that they will take care of this. 

I spoke to a specific department that deals with this issues. I received a case number and was told " not to worry '' as they will investigate and remove the Hard Inquiry. Last lady I spoke to on the phone was very professional and knowledgeable- and she stated I will receive a confirmation letter in the mail stating that the issue has been taken care of however... 

Someone working in this department of Bank of America had the audacity to send a letter stating this information is " correct ''. I guess I have to go to the local news .... 

I am in the process of repairing my credit and I would have never applied for a credit card, let alone an Alaska Airlines card when I live in XXXX. Also, the name that it was applied in is a format that I never use : " XXXX XXXX XXXX '' applying for credit cards. Case # XXXX with BofA
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( block inc ) due to inadequate customer service and unfair practices, which violates the customer financial protection act ( CFPA ) Specifically cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with errors resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Debt collection

Upon reviewing my consumer report online through XXXXXXXX XXXX XXXX XXXX XX/XX/2023 I discovered a negative collection account that I had no knowledge of. I also had not received any written communication from Transworld in regards to the alleged debt. i sent a letter to the company the XX/XX/2023 informing the company of violation of FDCPA 1006.30a and 15 USC 1681. I requested the deletion of the account from my consumer reports and the company 's accounts. It has been beyond the 30 days required by law to respond. The company has not responded and are therefore in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me.

Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Experian shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed account on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date Opened XX/XX/14 Balance {$2300.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

I gave my credit card number to a fake moving company which took out a XXXX XXXX on my card and never performed the moving service. I never agreed to a XXXX XXXX  and I try to resolve this with capital one. They failed to refund me for the fraudulent purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a a fraud alert notice from credit monitoring service regarding a Hard Credit inquiry from " Syncb/XX/XX/XXXX '' that I did not authorize. I have credit fraud alerts to notify me of any activity.