23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I became aware of this account when I was in college and pulled my credit report for a new apartment. That was the XXXX  time I reported this account as fraud and filed a dispute. I have also spoken with the original creditor both Belk and Syncrony to notify them that I did not open this account and it had to be some sort of fraud activity. That was also when I locked my credit report. Since then over the years I have disputed, and called numerous times to get this taken care of and resolved. Now I have been receiving numerous calls from debt collection numbers hassling me to pay these funds that I never received in the first place. I will now be taking this to litigation
Product: Credit card or prepaid card

On XX/XX/2019 I accidently charged my groceries to my Walmart credit card and I cancelled the order and Walmart is giving me the run-around about my refund.
Product: Checking or savings account

On XX/XX/XXXX I received a notice of rent payment due. This was an error as my lease ended XX/XX/XXXX. 

I called my landlord immediately, he said he could not do anything about it and I had to call my bank. 

I call Bank of America and told them to reject any request or authorization for fund. I expressly stated I knew it was for rent and that it was fraudulent. 

On XX/XX/XXXX I went to do banking and noticed {$2700.00} has been sent by Bank of America. I called to ask why they sent the money. 

They can see how I called and declined the charge on XX/XX/XXXX. They are refusing to return the money to my account. 

I now have had to move money to pay bills and they refuse to explain why they did the wrong thing by sending the money. There is no reason they did not credit my account for {$2700.00} immediately on XX/XX/XXXX. 

It is now XXXX. I want to file federal charges for fraudulent banking practices against Bank of America.
Product: Student loan

Not able to repay loan with all the interest that accumulated over the years. I can not pay and keep a roof over my head.
Product: Money transfer, virtual currency, or money service

I transfered/paid XXXX XXXX using his phone number as his paypal ID {$60.00}. He and I were talking on his phone that I called using that number. When I put in that number to paypal to transfer that money it went through. XXXX said he did not get it. As it turns out someone has taken over his acct at paypal. I reported this to paypal and they said they said the only way I could stop the payment is to stop it at the bank. When I did so, 3 days later Paypal told me that they paid the amount and I owed them {$60.00}. They told me if i did not pay them the {$60.00} that my acct was negative they would send the amount to a collector. I asked to report the issue to their fraud department as that is the only way to show this is a fraud case. I reported the fraud 2 times and each time I was told paypal would do something and get back to me. The 3rd time I was forced to use a chat mode to report the fraud and I was told again that they would get bck to me. I have still not heard from Paypal but now IM told I can only speak with their collection agency. When I call them I get an answering machine that eventually tells me they are closed and to call back. I am really starting to think that Paypal should no longer be allowed to do business ad a bank or credit card company in the United States as they are strong arming their customers like a mafia and not actually speaking with their customers.
Product: Checking or savings account

On the night of XX/XX/2023 customer XXXX XXXX attempted to make a cash withdraw at the XXXX  XXXX XXXX ATM close to his home. Customer inserted his card, entered the appropriate PIN, and followed the ATM prompts in an attempt to withdraw {$500.00} dollars for an upcoming trip to visit his parents. During this first transaction XXXX XXXX receives a text from his First Citizens XXXX institution stating " Free First Citizens Security Alert : Declined Transaction for card XXXX used at XXXX XXXX XXXX XXXX - XXXX for {$500.00}. Was this you? Reply YES or NO. Reply STOP to XXXX XXXX. '' to which XXXX XXXX responded " Yes ''. XXXX XXXX then received a follow-up message from XXXX XXXX XXXX XXXX No further action is needed. ". XXXX XXXX then circled around the ATM and came back attempting to make a XXXX withdraw. To which was " declined ''. XXXX XXXX then called to attempt to resolve the issue with First Citizens only to be given an automated recording stating the bank is closed and to call back " during normal business hours ''. XXXX XXXX then attempted to use a XXXX debit card linked to his business account which was also " declined ''. XXXX XXXX attempted to change the amount to $ XXXX {$200.00} both of which were also " declined ''. XXXX XXXX has ample funds in all accounts to far exceed the $ XXXX $ XXXX {$200.00} dollars in which he was attempting to withdraw. Due to this banking business practice ALL of XXXX XXXX 's debit cards tied to this financial institution had been frozen and he was unable to make/use any cards to access his fund. Not only was XXXX XXXX unable to access the {$500.00} he needed/desired but he was also unable to proceed with his trip to his parents due to his accounts being locked and no method in which the customer was able to resolve the issue. This is unacceptable for any banking institution to block a customers access to their own funds. XXXX XXXX has filed a formal complaint with First Citizens bank and will be consulting an attorney to seek legal advice. XXXX XXXX want 's to be very clear that the funds in his account belong to HIM and not the financial institution that he entrust to hold his funds. XXXX XXXX was informed that the ATM withdraw limit was {$500.00} dollars and that the {$3.00} ATM fee ( which is not included in the cash withdrawn ) would put him over the {$500.00} dollar limit allowed. This banking " service fee '' is debited from the customers account and not part of the {$500.00}. SO again, if the cash withdraw limit is {$500.00} dollars then consumers should be allowed to actually withdraw the {$500.00}.
Product: Credit reporting or other personal consumer reports

Earlier this year i signed up for a credit monitoring app and found out that someone had applied tor 4 credit cards under my name to am address i no longer even live anymore, immediately froze my credit and place a fraud alert on my report, i reach out to these banks ( XXXX XXXX XXXX XXXX XXXX and Chase bank ) to let them know i wasn't the one who applied for these cards. 

I also found out that the bank detected the accounts where fraudulently opened and had terminated the cards but then the cards still appears on my credit report and have BADLY affected my credit score which went from XXXX to currently XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXx Data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

n the process of obtaining a mortgage through XXXX XXXX XXXX XXXX. On two occasions I am being told by my loan officer XXXX XXXX that they can not obtain a credit score for me through Equifax Mortgage Solutions phone # XXXX with an order # XXXX. I have a freeze on my credit profiles through all three Bureaus. This freeze was placed due to my being a victim of credit fraud in which I purchased a XXXX XXXX mattress set and my credentials was accessed and different credit cards started to appear in my name. I HAVE PERSONALLY LIFTED ALL THREE BUREAS FREEZES FOR THE ABOVE LOAN OFFICER SO THAT THEY CAN OBTAIN THESE SCORES ONLY TO BE TOLD AGAIN AND AGAIN THAT THEY DONT HAVE A SCORE FOR ME. On several occasions I left messages for the above loan officer and her supperiors by the name of XXXX XXXX ( XXXX ) XXXX EXT XXXX. Never once did any of the above contact me back. I find all of the above hard to believe because in XXXX the area where I am looking to purchase had NO PROBLEM in pulling my credit score for their application through there leasing office. I am now feeling that I am getting the run around by either XXXX or EQUIFAX in which the latter has provided a PIN to remove or lift the credit freeze. I am now looking at the possibility of losing the home I so dearly am trying to purchase over a technicality.
Product: Credit card or prepaid card

I was on the website to verify my profile information because I have a new credit card. I found out that my card was cancelled. This seemed false and the reason for the cancellation appeared to me to be false. The website said that the cacellation was due to the Mobile phone and Home phone numbers were the same number AND caused confusion on their system. Further, in XXXX I received a letter regarding my account that following the XX/XX/XXXX statement, their would be a change in my Credit Card account ending in XXXX. The notice applies to Home Depot Consumer Credit Card ( a Citi product ). In addition, my profile information shows that the email I had changed in XX/XX/XXXX had been reverted back to the old email. I did call the number provided about the issue, XXXX. Previously, web profile changes were provide a different number, XXXX. The person on the phone at the number given said my card was cancelled due to inactivity. This is not only false ; but a bad business practice too. I would not have applied for a card if I knew that they would remove me because they didn't like that I hadn't bought anything. They should have to disclose this information. I do mind the lying, false information and disregard of my credit information. They could have sent me a cancellation letter, if this is true. So I'm filing a complaint. In addition, i wish to mention that when calling the number provided, Home Depot is asking for permission to allow third-party information, other partner sharing, mobile phone calls or texting in order to contact me. I don't believe that these are jointly-shared permissions. There is now no way to remove the permission I just gave in order to use the text features which ordering frequently needs to use. Credit cards also use 2-step verification using text messaging to provide the access code. This seems to an invitation to provide unwanted and even spam messages to my email or text messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$16000.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3700.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX IN XX/XX/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 XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

Regarding Affirm loans XXXX & XXXX. As scheduled, I submitted my monthly payments to be drafted from my checking account. 

In the affirm system I could see that my loan was current, then after a couple of days - I'd see that the same payment did not " save '' in their system. After numerous attempts of contacting their customer service department, I do not have any proof provided from affirm that they actually attempted to withdraw the funds from my account. It appears they've essentially deleted my payment and changed the loan status in their system. This is not an NSF or return issue, because they did not even attempt to withdraw the money from my account. 

My credit is now being severely impacted, Affirm is claiming they have not received payments in two months. 

This is unfair because I rightfully made my payments in a timely fashion, and their system did not retain, nor notify me of the reasons why the payment did not attempt to draft from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I divorced XXXX XXXX in XXXX and in the Divorce Decree it listed a property at XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX as her having sole possession and me giving up all rights. I have not received any bills, letters, or notices about this property in the last 9 years as XXXX XXXX was awarded the property. XXXX XXXX past in XXXX of XXXX. I did not find out until I visited with a mortgage lender about getting a loan to purchase a home for myself. That's when I found out that the the property on XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX serviced by XXXX XXXX listed my name as the primary borrower and the XXXX XXXX never refinanced the property as required by law. 

I have contacted XXXXXXXX XXXX to see if the house can be removed from my credit report as I no longer owned the rights to the property. XXXXXXXX XXXX  advised me that due to me being the primary borrower they could not remove me per the mortgage agreement and that they do not honor divorce decrees.They did mention that if I want the late payment reporting to stop I could refinance the property and they would move all overdue payments to the back end of the loan. I told them this is not an option as I have no rights to the property which also keeps me from selling the property. I also asked them why they did not notify me that the account was derogatory and that they were reporting as such on my credit report. Federal Law requires them to contact me before reporting negative information. They did not notify me nor did they give me an answer as to why they never sent me any information, documentation or notify me the last 9 years. 

Since XXXX XXXXXXXX XXXX passing in XXXX, her daughter XXXX XXXX XXXX and her husband have been living at the property and have not made any payments since XXXX XXXX passing. The daughter, XXXX XXXX XXXX has been attempting to refinance the property into her name and did a loan modification in XXXX since her mother XXXX XXXX willed it to her without my knowledge of any of it until recently as I was attempting to secure my own mortgage. 

I have sent XXXX three letters explaining this to them and asking them to remove the account from my credit report since I have no legal rights to the property. XXXX only responded one time, under a different mortgage companies name of " XXXX '' with a computer generated form letter that did not address the issue. I asked for documents pertaining to the loan and they will not send them. I then hired XXXX XXXX, Attorney at XXXXaw who sent a letter of intent which XXXX never responded to. I then contacted the XXXX XXXX courthouse to see if the order of the property awarded to XXXX XXXX can be reversed but they can not change the decree since she is passed away. 

Now, XXXX XXXX is ignoring our letters, and requests for documentation, or helping us find a solution to this issue. They are still reporting this mortgage that I have no rights to on my credit report. The property is about to foreclose because they will not work with the owner and occupant of the house, XXXX XXXX who wants to finance the house in her name and make payments.
Product: Mortgage

I received a cancelation notice from my mortgage insurance, XXXX XXXX. I contacted them on XX/XX/21 and inquired the reason for the cancelation. They advised me ; they had not received payment from my mortgage company after sending several invoices. 
I contacted Loan Depot immediately with XXXX XXXX on 3-way to come to a resolution. After I explained that my mortgage policy was scheduled to be canceled on XX/XX/21, they claimed they never received any bills. They also claim they dont have an address for invoices and the mortgage insurance company would have to upload bills to a portal to be paid. The XXXX XXXX representative on three way said they never head of that, and I was surprise myself that a mortgage company of that size would only accept bills in that manner. Needless to say, the Loan Depot Representative said she would have a supervisor expedite a payment to XXXX XXXX and call me back to confirm ; supervisor never called me back. 
I followed up with Loan Depot on XX/XX/21 to confirm if the payment was handled. I found out from the first Loan Depot Representative that it was not sent. I requested to speak to a supervisor and after an hour of waiting and speaking to 3 other non-supervisors, I was then told one was not available and one would call me back. 
Ive spent countless hours on the phone with Loan Depot over the course of 2 days, with no resolution. The only thing I want is Loan Depot to pay my Mortgage company, XXXX XXXX bill.
Product: Credit card

I am writing to file a formal complaint against Capital One concerning an unresolved balance transfer issue that has caused significant financial distress and inconvenience. Below, I provide a detailed account of the events leading up to this complaint. 

On XX/XX/2024, I initiated a balance transfer of {$700.00} from my XXXX XXXX XXXX XXXX credit card to my Capital One credit card, taking advantage of Capital Ones 12-month zero transfer balance offer. While the {$700.00} debt was promptly posted to my Capital One account within five days, the balance on my XXXX XXXX account remained unchanged. 

I contacted both Capital One and XXXX XXXX several times over the next few weeks. Initially, I was informed by Capital One that the transfer process might take up to two weeks. After three weeks passed with no change, I was advised to wait another week. Despite following these instructions, the balance on my XXXX XXXX account was still not adjusted. 

In early XXXX, I learned from Capital One that a check had allegedly been sent to XXXX XXXX at the address XXXX XXXX XXXX XXXX, XXXX, California, XXXX. XXXX XXXX, however, stated that they never received the check and could not investigate the matter without a copy of the check. 

Capital One representatives assured me they would send a copy of the check to my address so that I could provide it to XXXX XXXX for investigation. They promised the check copy would arrive within 10 to 15 business days. However, three weeks passed with no communication or delivery from Capital One. When I followed up, I was informed that the check had not yet been sent but would be sent immediately. The representative I spoke with was dismissive and ended the call abruptly. 

I have now been dealing with this issue for nearly two months. I am still required to make payments on my XXXX XXXX credit card for a debt that should have been transferred, and the ongoing delays and lack of communication from Capital One are causing significant financial strain and stress. 

I am requesting the CFPB 's assistance in resolving this matter. Specifically, I seek the following actions from Capital One : 1. **Immediate Investigation** : Conduct an urgent investigation to determine why the balance transfer has not been completed and why the check was not received by XXXX XXXX XXXX 
2. **Proof of Payment** : Provide a copy of the check or any proof of payment sent to XXXX XXXX as soon as possible. 
3. **Reimbursement and Compensation** : Reimburse me for any additional interest or fees incurred due to this delay and compensate for the inconvenience and financial hardship caused by their handling of this situation. 

I appreciate your attention to this urgent matter and look forward to your assistance in achieving a swift resolution.
Product: Credit reporting or other personal consumer reports

Reviewed my credit report, and there were unauthorized inquiries on my credit report with Equifax.
Product: Checking or savings account

I have both a checking and savings account with Ally Bank. On XX/XX/XXXX I received an email saying that my accounts had been frozen due to suspicious activity. I called the Fraud Prevention phone number and spoke with a representative who told me there had been a suspicious attempt to access my account but no transactions were made. She asked me several questions about how I access my account, what devices I use, and whether I use a VPN. She then told me that they would investigate and let me know if they had any further questions. As of today I am still unable to access my accounts to pay bills and make credit card payments. I called again and spoke to another fraud specialist and she could not provide me with any sort of timeline as to when I would be able to access my accounts again. I told her that I have an upcoming credit card payment that is due and she said that I should call the credit card company and let them know my account are frozen and that was it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint due to no course of action being taken by the following XXXX, Equifax, and XXXX. These accounts do not belong to me. These accounts are fraudulent. I have filed a complaint multiple times and have not been formally notified to a resolution to the accounts listed below. I am requesting that these accounts be removed from all three reports immediately. If these accounts are n't removed in a timely manor I will take further action against the credit reporting agencies. 

XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Account Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$1200.00} Terms : High Balance : Limit : Past Due : Payment Status : Unpaid XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Account Status : Closed Monthly Payment : {$340.00} Date Opened : XX/XX/XXXX Balance : {$8400.00} Terms : 64 Months High Balance : {$6900.00} Limit : Past Due : {$8000.00} {$8000.00} Payment Status : Charge-off XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Note Loan Account Status : Closed Monthly Payment : {$63.00} Date Opened : XX/XX/XXXX Balance : {$560.00} Terms : 9 Months High Balance : {$560.00} Limit : Past Due : {$700.00} Payment Status : Charge-off I also, noticed that the last payments have not been deleted on my student loans. I am also, going to file a formal complaint if this is not handled appropriately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX.
Product: Credit reporting

I recently applied for an apartment in XXXX XXXX Michigan and the apartment complex uses a credit reporting agency saferent or core logic. I disputed this information, sent them supporting documents of this information being incorrect, and I even sent them information from XXXX stating the errors in my credit report and they continued to ignore my pleas.