23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to officially file a complaint concerning the multiple unsuccessful attempts I have made to have fraudulent items removed from my credit report. Despite repeated efforts to address this issue, these fraudulent items persist on my credit report, damaging my financial standing and credibility. 

Despite my persistent and genuine efforts to rectify this issue in accordance with the Fair Credit Reporting Act ( FCRA ), these fraudulent items continue to tarnish my credit report. This situation is detrimental to my financial well-being and overall quality of life. 

I kindly request the following actions be taken promptly : A thorough and immediate investigation into the fraudulent items in question, including verification of their accuracy with the creditor. 

If these items are found to be erroneous or fraudulent, their immediate removal from my credit report. 

A written acknowledgment from your organization confirming the correction of my credit report. 

A detailed report outlining the actions taken during the investigation and the resolution status. 

I urge you to treat this complaint with the utmost urgency. The accuracy of credit reporting is vital for maintaining the public 's trust in the financial system, and I trust that your organization will take the necessary measures to rectify this situation promptly. 

Please acknowledge the receipt of this complaint within specified timeframe and provide a designated contact person with their direct contact information for further communication. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance {$560.00} XXXX  XXXX Bankruptcy XXXX XXXX XX/XX/2018 XXXX XXXX Balance : {$100.00} XXXX XXXX Balance Owed : {$100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance {$530.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XXXX XX/XX/2018 XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance {$560.00} XXXX XXXX Bankruptcy XXXX XXXX XX/XX/2018.
Product: Credit card or prepaid card

On XX/XX/XXXX a Charge from XXXX XXXX was charged on my account fraudulently. I report the fraud and my bank will not reverse the charge. I have attempted to reach XXXX XXXX, unfortunately they are no longer operational. I have been attempting to resolve this with both the bank and the company since XX/XX/2021. I have XXXX worth of NSF 's on 2 separate accounts relating to this claim.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

On or about XX/XX/XXXX I logged in to my Macy 's app to search for shoes. After my purchase, I checked statement balance only to realize there was a charge for {$660.00} posted on XX/XX/XXXX. 
I immediately placed an online dispute and requested to be sent a new Macy 's American Express card. A few minutes later, I decided to call customer service and inform them about the charge from XX/XX/XXXX. 
I proceeded to ask questions about the purchase and the customer service rep. confirmed it was an *in person purchase and could not provide any other information at that time. Again, I stated I had not made the purchase to which they answered : they would need 1-2 billing cycles to investigate and I would receive a new card in the mail, and that no charges would be expected during this time. 

I have made numerous calls since XXXX to the present date to followup on my initial call and monitor the status of dispute, only to get in bits and pieces at every phone call about the details of this unauthorized purchase that are contradictory and and make no sense ( at best ) : I was told by customer service rep. XXXX, on XX/XX/XXXX, that the purchase amount of {$660.00} was removed on XX/XX/XXXX and then added back on to my account based on the the fact the dispute had been denied/closed. 
I was also informed on this date the charge is for a full size foam mattresses with two pillows that had been *purchased on XX/XX/XXXX but it had not posted until XX/XX/XXXX, XXXX and therefore I had not satisfied the payment. 

At this news, I expressed being baffled, confused and angry at this situation that has affected my life and we'll as my credit score! And yet again, I was transferred to another person to *reinstate a dispute over the same issue* while none of it makes sense. 
As I am waiting for this to come to a resolution I am in receipt of a letter from Macy 's with the denial denial of my first dispute filed on XX/XX/XXXX and have not yet received any of the statements I asked for as proof of purchase because according to Macy 's : " They are not able to provide me with copies of billing statements from XXXX. '' Please help! 

XXXX XXXX XXXX
Product: Debt collection

On Saturday XX/XX/17 I received a certified email from XXXX XXXX XXXX XXXX with NOTICE OF APPLICATION FOR WAGE EXECUTION, against me from an account this Deb collection is assignee in the name of XXXX XXXX XXXX XXXX. 

I have called XXXX XXXX to the comer XXXX and spoke with an employee name XXXX, and I have explained to him that I do not owe anything to XXXX and that account does not even show on my credit report.I have also told him that if I would owed something to XXXX, they would have approved me a XXXX XXXX XXXX XXXX opened on XX/XX/2017 that still is active with a current balance. 

I did also asked him what should I do in order to report this or probe that this account is not mine and he suggested me that if this does not belong to me I should present a complain to FTC because it could be a fraudulent account opened for somebody else. 

There are not accounts reported on my credit report from XXXX XXXX, and also from the XXXX report from XXXX.
Product: Mortgage

In XX/XX/XXXX, during the COVID pandemic, I was approved for mortgage assistance through a Forbearance Plan. The plan temporarily paused my mortgage payments. My forbearance would expire XX/XX/XXXX. 
However, I received a letter dated XX/XX/XXXX, that informed me my loan modification, prompted by the COVID Forbearance Plan, was complete with my signature. It instructed me to resume payments XX/XX/XXXX, in the amount of {$1700.00}. Responding accordingly my payment was made XX/XX/XXXX. 
In XX/XX/XXXX, I received another letter dated XX/XX/XXXX, informing me I was in default of {$20000.00}, non-payment from XX/XX/XXXX, to XX/XX/XXXX ( see attached ). I immediately responded with detailed documentation showing payment made as of XX/XX/XXXX to XX/XX/XXXX ( see attached ). I sent the same information twice and made multiple phone calls hoping for a response or some feedback, I received none. 
Later in XX/XX/XXXX, I received a XXXX package with more loan modification documents requiring my signature. I was confused because I had not received any response to my correspondence. I was concerned if the new process included my information, and why the new modification. I called repeatedly hoping to speak with someone who knew about my case to get some answers, but I could never get passed the front-line agent. I always left a request for a callback, I never received one. I wanted to contact the loan Trustee XXXX XXXX, but I did not know how to contact him, as he did not show in the HUD directory. After numerous calls I was told I needed to sign the papers or lose my home. I received the new modification documents around XX/XX/XXXX, I finally signed them, out of fear of losing my home, XX/XX/XXXX. 
The issue is, the new loan modification pack included a {$53000.00}, HUD loan, and {$11000.00} second mortgage for me. Referred to as a Partial Claim Deed of Trust package. My forbearance was for ten months ( based on the restart date XX/XX/XXXX ) totaling {$18000.00}. This amount was merged into the initial modification when my payments restarted. The unnecessary need for a loan was prompted by LOANCAREs inaccuracies ( sloppy bookkeeping or something more ) keeping my loan in forbearance from XX/XX/XXXX until XX/XX/XXXX ( upon receipt of the {$53000.00} ), even though I was making payments as of XX/XX/XXXX ( see confirmed bank reconciliation documents ). Their failure to acknowledge the payments started in XX/XX/XXXX, ignoring my correspondence.
Product: Money transfer, virtual currency, or money service

I am a victim of a money scam. I was told to make a money order in the amount of {$2500.00} to help secure a family box for a US service member being deployed in XXXX. I deposited to a persons XXXX XXXX  XXXX account in Texas thinking that its safe to do so otherwise the person would not give out bank account information to me. Then the person asked for {$6800.00} to have the family box stamped at airport customs. I bought a cashiers check and deposited it into the same XXXX XXXXXXXX XXXX account. After 2 more payments, I realized that I was scammed, I contacted my bank fraud team and was told theres nothing they could do because its an authorized transaction. And the bank would not do a fraud report to notify XXXX XXXX  XXXX. I contacted XXXX XXXX  XXXX and was told they can not give out any information or start Any investigation unless my bank file a fraud report. Please help me to have the banks look into the problem and investigate the other persons account to find out the account holder and help me recover the payments. We are humans and mistakes happen. Thank you so much
Product: Prepaid card

Purchased AMEX eGift card directly from AMEX on XX/XX/XXXX XXXX in the amount of {$750.00}. In my many attempts to use the card, transactions have been declined at XXXX, XXXX, XXXX ( my regional trash collection company ), and XXXX XXXX, all via online transactions at their respective web site payment portals. I have called the phone number provided on the AMEX XXXX XXXX ( XXXX ) several times, but found it to be 100 % automated, with no ability whatsoever to access a human, and none of the automated decision tree options are relevant. Note : their automated system does provide a blanket statement to all callers that ( paraphrased here ) 'due to fraud issues, online transactions are often rejected, and that the solution is the cardholder USE THE CARD ELSEWHERE ... '', which is an absurd " solution '' for a card that is advertised as " Your American Express XXXXGift Card may be used at US merchants that accept American Express Cards '' ( printed on the actual eGift Card, and plastered on the website where the card was originally purchased ). I don't want to use it " elsewhere, '' I want to use it at the place ( that does indeed accept AMEX ) I was tryinig to use it at. Further, while I was successful in using this now semi-useless eGift card at a few generic retailers ( XXXX, for ~ {$25.00}, and a local city recreation department class signup for ~ {$22.00} ), I have not been able to retrieve my card balance or view transactions on the AMEX " balance '' website at XXXX : XXXX. I have tried to use this site at least a dozen times in the past 2 weeks, with the results always being several error messages -- one red error message at the top of the page reading " The system has experienced an unknown error. Please try again later. '' and an inline error under the " Transactions '' section of the page that reads " Error Retrieving Transactions. '' And additionally, under " Available Balance, '' the line is blank. At this point, the card is nearly useless as I can not use it for the intended purchase of paying several bills -- since my attempts have all been declined. It's frankly, embarrassing, that a company with the long-standing business reputation of being 'best in class ' would offer such a fundamentally broken product to its " valued '' customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Of XXXX Account # XXXX, XXXX # XXXX, XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I closed my checking account with US Bank in XX/XX/XXXX. I had exactly {$1500.00} in my account when I closed it. I called US Bank to close the account and they said a cashier 's check in that amount would be sent to my mailing address in a couple weeks. 

A month goes by and I don't receive the check. I called US Bank and they told me to go to a US Bank branch. A representative at the branch was able to make an inquiry and on XX/XX/XXXX, I received a letter in the mail that contained a copy of the cashier 's check that was sent to me. According to US Bank, it was cleared on XX/XX/XXXX. The cashier 's check is correctly made out to my name, has my mailing address and was for the amount of {$1500.00}. On the back, it showed XXXXwo signatures : 1 was forged in my name and the other I don't recognize. 

However, I never received this check and the signature on the back is not mine. Subsequent trips to the branch were not helpful and they said I had to call US Bank. Calls to US Bank 's Fraud Department were also not helpful. They took down my details, but never called me back. I do have a claim number with them if that is helpful.
Product: Other financial service

I had to close a checking account due to fraud. Since changing to a new checking account I have had repeated instances of having checks declined by Certegy Check Services. I contacted them for a copy of my file to explain why they were being declined and the file states " This transaction fell outside of the guidelines Certegy has established for authorization ''. I called them and they threw responsibility back on the store - because they just advise. They were not able to give me any reason for the checks being declined. In addition, one check was declined and then a month later approved - same checking account, same person. They did tell me not to let this experience stop me from trying to write checks.
Product: Mortgage

Applied for refinance with Bank of America after being a loyal customer of over 10years. I have never missed or been late on any payments with them and the debt to equity ratio is less than XXXX. They made a mistake on other properties I own and are asking me to send information that has been already submitted prior to their mistake. They actually closed the loan refinance due to their mistake. I have answered all of there questions and sent all of the information to them, at least once. I am fed up with them.
Product: Mortgage

Our loan has been sold many times over the last 15 plus years. For a few of those years Specialized Loan Servicing owned the mortgage loan and they never paid the property taxes out of our escrow account. XX/XX/2019 another loan servicing company took over the loan. So now XXXX XXXX XXXX XXXX has our loan. Both companies are refusing to pay the back taxes owed. I have contacted Specialized Loan Servicing back in 2019 and they said it's not their problem as our loan was being packaged out to another servicer and that it was not their problem anymore to pay it. They said we were responsible for this now. We did what we were supposed to do, we paid the payment. But Specialized Loan Servicing did not do what they were supposed to do and pay the property taxes. The county is about to put our house up for auction due to non payment of property taxes. Both loan servicers have been contacted about this. Specialized Loan Servicing was contacted via certified letter in XXXX of 2019 via the advice of a local attorney.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX and CEO Regions Financial XXXX XXXX XXXX XXXX, XXXX XXXX Alabama XXXX XXXX Re : Policy, Flexibility, and Governance Opportunity XXXX XXXX XXXX Following my wifes passing in XXXX, I chose to do the right thing and remove her as an authorized person from our safe deposit box at the XXXX XXXX XXXX XXXX. At the same time, I added my son and stepson as authorized to access the safe deposit box. I was told at that time ; we would have to create a whole new physical box versus just some paperwork. No problem, I chose the same size box, at the same branch location, in the same vault. 

I was told at the time that there would be a charge, however dismissed the statement believing Regions certainly wouldnt charge me twice in two months for the annual fee for the same size box. Well, they did. Please see attached ledger from my XXXX file and please, verify it against your own records. 

As you review not only will you see I have been charged twice in the span of two months for the same product/service but to add insult to injury, the amounts are differentfor the same size box since XXXX 

I am fine with either {$38.00} or {$57.00} but not both and from XXXX the three annual fees should be the same. I did speak with XXXX at the branch and said I did not understand the policy explanation which did not make any common sense to me. I further asked who I could appeal this to, and the answer was no one. I dont blame XXXX XXXX She doesnt seem to have the span of control or latitude to independently create a recovery opportunity from a bad customer service experience. This is small potatoes, XXXX XXXX, but highlights the need for expanded flexibility and authority while at the same time respecting policy and governance. 

Please dont delegate this to someone that is going to call me with another mumbo jumbo policy explanation. I dont have the time or patience for that and will just find another bank to do business with going forward.
Product: Checking or savings account

My wife received a check from her father for {$750.00} signed it to me and check put in my account. My bank refused the XXXX  check unknown reason. Fine no problem. Bank closes account without warning.

At this point I just need the money from the account back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer complaint narrative I pulled my Experian credit report and noticed they have 4 variations of my name and some of them are spelled incorrectly. They are listing 3 addresses and two of them are no longer deliverable by the United States Postal Service. I sent a letter to have them update my information to show my correct name and address and to remove all other variations. I received a response to go track down whoever is reporting these incorrect names & addresses. As a credit reporting agency they are suppose to validate that the information they are reporting is correct. If they are allowing someone to report on my credit report an incorrect name and address they are putting me at risk for identity fraud. The other credit reporting companies had no problem updating my information and removing all others. I am not going to chase down 9 different companies to find out who is reporting my information incorrectly. If they are receiving information for my credit file that does not have my correct information than that is not my debt. It is their responsibility to make sure its correct. They should be updating my information to reflect what is true and correct so I can not be liable for a debt that is not mine, so I am protected from identity theft. As a credit reporting agency it is their duty to validate and make sure the information they are receiving is valid, verified, and make sure that it belongs to me. Not just take anyone 's word and post whatever someone reports to them. I want all my information updated, corrected and all other variations removed. They are putting me at risk, they are hurting me and my credit report, they are allowing things to be reported that may not be mine if its not my information. I have one name given at birth, I have one birth date, I have one address that is deliverable by the United States Postal Service. Please help me to get this fixed.
Product: Vehicle loan or lease

Westlake offered different term after getting prequalified on their website Westlake financial.com went into the dealership to proceed with offer but was given different terms for the purchase of a vehicle with application at XXXX XXXX XXXX
Product: Debt collection

Wells Fargo Bank has reached out predatorily by abusing relationships & reaching out to students in a predatory fashion to attempt to collect debt.
Product: Checking or savings account

I have been running into issues with Bank of America as it pertains to transactions being charged to my accounts multiple times. I do not believe this is an isolated issue. Also, when I submit disputes, often I do not hear back. The most recent issue pertains to a payment made to the US Treasury Department for a {$200.00} payment which was taken out of my account twice. I contacted BOA on XX/XX/XXXX. I still have not received a full resolution. Also, I do not feel this is the first time my account has been double charged. I have multiple disputes with the company at this stage.
Product: Debt collection

I have been called by this company Portfolio Recovery at late ours and other family members homes. I also was served papers for a wage garnishment. I was ordered to pay XXXX a month. After learning that Florida has a statute of limitation of 5 years for debts. This debt is older than five years. At the time of court visit I was unaware of the 5 year statute of limitations. I also have a few other collections with them that are older than 5 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF AND ACCOUNTS THAT DONT BELONG TO ME. THERE IS A CHAPTER XXXX BANKRUPTCY LISTING THAT IS NOT MINE AS WELL. A LETTER OF EXPLANATION IS ENCLOSED.