23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I was attempting to gain an extension on a HELOC that Ive had for decades ( originally obtained in XXXX MO ). The original bank, XXXX XXXX XXXX, had offered me the HELOC as a way to keep me and my very small business covered during lean times. It worked very well for me. Renewal/extension was always a pretty straightforward matter and the loan officers then were helpful. Simmons Bank took over XXXX XXXX ( then XXXX ) a few years ago. I am now XXXX XXXX XXXX and the HELOC was going to reach maturity. I supplied many pieces of information. The process continued to drag on due to delays on their end ( e.g. asking for one piece of info and then a week later, another ) with an XX/XX/XXXX maturity date looming. They discovered two small liens totaling around {$7000.00}, the result of a wonderful program offered by the XXXX of XXXX MO to help low-income homeowners get needed repairs to their homes. The loan for seniors like myself was zero interest with zero payments and only payable if the house changed hands. 

I am filing a complaint because when time ran short on the renewal, the unnamed underwriter instructed XXXX XXXX, the person who was emailing me, to suggest that I, at XXXX and on Social Security, with an admittedly low income, use the remainder of the HELOC to pay that off. Why? So that Simmons Bank could be # 2 to collect on a default of the mortgage or loss of the house, rather than # 4. Thereby putting a person of my age under the unnecessary burden of paying interest of 7.5 % or more on a loan offered by the City that was meant to be zero interest, zero payments. Preying on low-income seniors! Giving terrible advice, as well. 

Next, my son wired the funds to pay off the HELOC on XX/XX/XXXX and Simmons held the excess funds from the wire for 2 weeks. No one asked me what I wanted done with the excess. No one contacted me about the excess at all. When I inquired as to the whereabouts of the money, I was told that it would be put into a cashier 's check and mailed to me, instead of simply putting it into my account. On XX/XX/XXXX, I told both XXXX XXXX and the then named loan officer, XXXX XXXX, that I wanted it put into my account. They wrote a cashier 's check, regardless, and because I called and expressed my extreme frustration and anger, the money was finally put into my account. I'm sure that my letter of the previous week to the president and COO of Simmons may have red-flagged my account -- but no one did anything about it until I called XXXX XXXX. 

Simmons is generally hated in my community, especially by all of us previous XXXX customers, who were not given a choice of banks. Many of us were stuck with Simmons and its utterly deplorable customer service and unethical business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

A bankruptcy is showing on my credit bureaus of all three major credit bureaus although the filing was cancelled the same day and therefore it was dismissed with a XXXX balance. 

I have disputed this mater several times and it still shows on my bureau. It was not actually me filing. It resulted in fraud on my behalf. 

XXXX XXXX Equifax
Product: Checking or savings account

I request that your agency conduct an investigation of AXOS bank practice for opening an account in terms of misuse, sale, illegal, and XXXX use of confidential and sensitive personal information. 

AXOS Bank is an internet bank based in XXXX XXXX with an office in XXXX XXXX. 

During the last week of XX/XX/2021, I applied to open an account online at XXXX. To complete the application, I was required to submit detail information for SSN. driver license, birthdate, documents for the source of income, and other sensitive personal information. I dare say someone with the information can break into my bank accounts. 

After not hearing any response from the bank, I called the bank at XXXX XXXX. A representative stated that it usually takes about 2 weeks to complete a review of an account opening application but there is a computer problem that prevented the bank from opening my application. I waited several days more and called back. This time the bank stated that my application was under a review. This is the same answer I received from a bank representative a few times since then until XX/XX/2021. 

On XX/XX/XXXX, I spoke to a representative, XXXX. Upon learning that my account application is still under a review and no reason was provided for the long delay. 
I inquired about speaking with a review team member. I was told this is against bank policies. I asked to speak to a customer service supervisor. The representative said a note will be sent to a supervisor. I never got a call back. I asked whether I can withdraw my application and erase my information myself. She stated that I can not do that myself. She offered to erase the application data. Not trusting the bank at that point, I told her not to erase. 

I called the bank again in late XXXX. As usual, it recognized my telephone number as belonging to a person with a pending application. A bank representative, XXXX, came on the line. I asked her for the status of my application. Apparently checking with someone else, she stated that I do not have an open account application. When I mentioned my past history of trying to open an account, she was adamant that I do not have an open application. 
( I called today, XX/XX/2021 and the bank still recognized me as someone with an open account application ). 

I am scared to leave confidential and very sensitive information with the AXOS internet bank. I have changed my PW at financial institutions but with my SSN,, DOB and other personal information, someone else may take over my bank accounts. 

I want to verify myself that my application information is erased. 
I also want to know why my application took so long and why it was never accepted or rejected. 
Did the bank sell my information to someone or organizations? 
Did the bank and/or its employee steal or misused my confidential information? 
Did Axos discriminate against me because my last name belongs to XXXX? 
Did the bank really erase data in my account application? 

Please investigate the above issues using power and authority of your organization. 

Thank you.
Product: Checking or savings account

Over {$23000.00} stolen from Cashapp with no explanation or response to any of my support requests. This is unbelievable! I am a XXXX XXXX I run a XXXX XXXX there is no fraud nothing suspicious. They haven't answered ever. Not once. Why did you refund the unemployment benefits why wont you answer via cashapp support, email, XXXX, XXXX? This is the most insane life ruining thing you can do to someone and not have a phone number to call. I'm so angry you can't even imagine.
Product: Credit reporting or other personal consumer reports

Recently I looked a copy of my credit report and noticed erroneous and inaccurate information on my credit report. These accounts are hurting my credit score and the ability to obtain credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX & XXXX XXXX XXXX XXXX There is inaccurate address that must be deleted from my credit report. My actual address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

While reviewing my consumer report I came across inaccurate and harmful information the following accounts that are being reported are violating my consumer right 's These accounts are being reported as a collection, I have no knowledge of these accounts they are a fraud, I have filed an Identity thief report with the federal trade commission. FTC REPORT XXXX the accounts are as follows ; XXXXXXXX XXXX  XXXX - COLLECTION/ CHARGEOFF. 
XXXX. XXXX COLLECTION/CHARGEOFF. 
XXXX. XXXX XXXX Late payment. 

Furthermore the following inaccurate and fraudulent address are also being reported on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have disputed all the above inaccurate information with the alleged creditors and the credit bureaus, put they have refused to answer my disputes. These Agencies HAVE NOT PROVIDED VALIDATION INFORMATION UNDER 12 CFR 100.34 ( b ) ( 5 ) BUT YET THEY PLACED A COLLECTION ON MY CONSUMER REPORT. 

Furthermore I was never given a chance to dispute these accounts according to 12 CFR 1006.34 ( C ) ( 4 ) ( 1 ). These alleged creditors and collection agencies have violated my consumer rights by using false and misleading and misrepresentation and deceptive tactics. The credit bureaus and collection agencies have no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law. They are in clear violation of the law 12 CFR 1006.34 ( d ) and 15 USC1681-S 2 ( 7 ) ( A ). I REQUEST ALL THE ABOVE INAACURATE INFORMATION BEING REPORTED ON MY CONSUMER REPORT BE DELETED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
XXXX XXXX XXXX has been on my report still showing late payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Product: Debt collection

There is a debt on my credit report that I do not owe. The collection company is Focus Receivables Management. It states I owe this company XXXX for a XXXX XXXX XXXX account from 2010. I did not have XXXX XXXX XXXX in 2010. I called XXXX they have no records of me having an account in that year.
Product: Credit reporting or other personal consumer reports

According to section 605B of the Fair Credit Reporting Act, consumer reporting agencies are required to remove or block information that was deemed incorrect as a result of identity theft no later than XXXX business days after the receipt of the dispute. 

My information was exposed in the Equifax data breach will resulted in accounts being opened fraudulently, Please remove these accounts asap. 

Attached is a copy of my FTC report and dispute letter.
Product: Money transfer, virtual currency, or money service

I was approached by a fraudulent company XXXX XXXX posing as XXXX XXXX XXXX, legitimate loan company.They offered a line of credit for my business. They had my banks statements and all my companies info. We were looking for a long term loan and had applied so we thought it was legit. it was not, It was a scam and I wired {$23000.00} on XX/XX/2024 soon after they stopped taking my calls and never provided any funding at all, when I realized it was a scam I called JP Morgan chase and informed them that it was a wire fraud for a payment to a fraudulent company that was posing as XXXX XXXX XXXX and if they could try to retrieve the funds I spoke to Chase on XX/XX/2024. Chase said wires were final and would try to contact XXXX XXXX XXXX the recieving back and see if the would want to return the wire. A week passed and nothing so I called chase again and was informed my claim was denied and there is nothing they could do. I called XXXX XXXX XXXX and they said chase never reached out and all they had to do was request a Harmless Hold on the receiving account while they investigated. Chase denied my request a third time. They are unwilling to help recover the funds that were clearly fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the XXXX XXXX XXXX is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, FL XXXX Social Security Ending In XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute the accuracy of the information on my credit report maintained by your credit reporting agency, as permitted by 15 U.S.C. 1681b and 15 U.S.C. 1681c-2. Specifically, I am contesting the inclusion of XXXX accounts, which I believe have been reported without a permissible purpose as required by federal law. 

Original Creditor : XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX. 
Account XXXX : XXXX I would like to emphasize that my dispute is not with the creditors themselves but with your credit reporting agency. I never provided written consent for your agency to report on my consumer report. This omission of consent raises serious concerns, as it could potentially lead to identity theft, a matter I have already reported to the Federal Trade Commission ( FTC ). My reference number for the FTC report is XXXX. 

In light of the above, I kindly request that you take immediate action to investigate the inclusion of these accounts on my credit report. I trust that you will conduct a thorough review of your records and verify whether a permissible purpose exists for reporting these accounts. If you are unable to demonstrate that such a permissible purpose exists, I insist that you promptly remove these accounts from my credit report, as required by law. 

I would also like to remind you of the time frame stipulated by XXXX XXXX. XXXX, which mandates the timely removal of any information reported without a permissible purpose. I expect that these accounts will be removed within the statutory time frame, and I insist on the accuracy and fairness of my credit report in accordance with federal law. 

Please provide me with written confirmation of the actions taken to investigate and rectify this matter. A copy of my updated credit report reflecting the removal of these accounts would be greatly appreciated. 

I am prepared to take further legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ) if this matter is not resolved promptly and in accordance with the law. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and good day I had an disputed account removed from my credit report. From all three credit bureau back on XX/XX/2020. Later that year another company reported on the same account as that I still owned it. I have already contact all three credit bureau as well as the company that is reporting once again on the deleted account. Please refer to the attachments. The original account name was XXXX XXXX # XXXX, now XXXX XXXX XXXX is reporting. I have reached out to them stating that the account has nothing to with me and that it has been delete off of my report. They once again are charging me for it. I have sent proof and notarized letters stated that it was delete from all three credit bureau as well as sent to XXXX XXXX XXXX. please help me out. I have reach out to equifax, XXXX, XXXX and XXXX XXXX XXXX. They are not wanting to help even with the proof that has been provided
Product: Credit reporting or other personal consumer reports

I submitted an application with my local bank for a XXXX XXXX XXXX. 

They submitted a pull on my credit report. I got a call today from a phone number who claimed to be Ira from XXXX XXXX a lending broker partner of United Mortgage, who said he got my information from XXXX. He knew my credit score, my address, my name, my social security number, my credit cards and loans. 

He then proceeded to pressure me to try to get a mortgage with them. Stayed on the phone would not take no was very pushy. 

He sent me a text from a number to get me his business number. 

I did not tellthem to send my information to others.
Product: Credit card or prepaid card

I purchased a ticket for XXXX XXXX to visit XXXX for XXXX weeks of vacation using credit card from First Tech Credit Union. My luggage was lost and I filed the lost luggage on the spot. XXXX XXXX did not respond to me until XXXX week afterwards. I had to pay at for the very basic replacements in the luggage and my whole vacation was ruined. I asked for itemized compensation from XXXX XXXX given their policy listed here XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They answered me after 60 days offering a XXXXXXXX XXXX XXXXXXXX. I refused given the very high amount of money I paid for replacements. I contacted my credit card for the dispute over the horrible service I received. After another 60 days of waiting, First Tech denied it without a proper explanation. As a consumer, I am protected by US department of transportation for lost/delayed luggage up to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and by US federal federal trade commission for a bad service that was provided by XXXX XXXX to be XXXX XXXX first tech ( XXXX XXXX XXXX  ). However, First Tech rejected my dispute telling me that I shouldn't have taken the flight. Now that I have used that service, I have to deal with the merchandise itself. 
This is my last time, using First Tech Credit Card.
Product: Credit card

Lobel Financial is in clear violation of the Fair Credit Reporting Act and are refusing to investigate or remove late payments that I feel are in accurate. I sent them a dispute letter and rather than perform an investigation, they sent a computer generated template letter accusing me of credit repair. I asked for them to look into two payments on XXXX 2013 and XXXX 2013. They failed to even look into it and are asking me to provide documentation. That is their job.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I write this complaint to seek clarification regarding information reported to my XXXX credit report. Quite illogically, my XXXX credit report is reporting what appear to be identical records on multiple occasions - artificially inflating the number of credit accounts on my credit report. Specifically, as can be seen in the attached document, accounts with the XXXX XXXX XXXX/NELNET and XXXX XXXX XXXX XXXX are reported in what appears to be a duplicate fashion. Which, notwithstanding other potential problems, constitutes a violation of the fair credit reporting act.
Product: Credit card or prepaid card

CapitalOne is allowing an unauthorized/unrecognized charge on my credit card ending in XXXX charged on XX/XX/23 for {$15.00} without explanation or ability to remove charge. Both Capital One and transaction merchant XXXX deny existence of charge and offer only solution of closing account and issuing new card with a multiple day account restriction, inaccessible funds. Asked Capital One to remove the false pending charge but they refuse to do so. Unable to dispute or remove the false unauthorized charge. Obligated to tolerate false holds and unauthorized charges on my account for multiple business days with no possibility of dispute or remedy. This is a recurring issue with Capital One.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & XXXX have some form of block on my consumer report that is preventing me accessing my consumer report which I am entitled to XXXX. There are several names that are not mine and addresses that are not correct at all. I have provided proof that this information is incorrect and they still refuse to remove it. Specifically XXXX continues to report a name XXXX XXXX that is not mine. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX, MI XXXX my only employment is The XXXX XXXX any other information is incorrect. I have attached my identification and my residency.