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

On XX/XX/XXXX I met with Mr. XXXX XXXX of BBVA Compass Bank XXXX XXXX XXXX Bank in regards to my mothers ( XXXX XXXX ) checking account. I was the attorney-in-fact for my mother who passed away on XX/XX/XXXX. When I started to question actions taken by BBVA Compass as to why I was not notified when this account was frozen in XX/XX/XXXX. BBVA Compass did notify XXXX XXXX that this account was frozen when they attempted to process an EFT. 
When I had contacted Mr. XXXX XXXX with this issue he told me that there was only one POD, my brother, XXXX XXXX. 
When I spoke with Mr. XXXX XXXX XXXX ( Retail District Executive SVP ) about this same matter, he also told me that my brother was the only POD. 
In the ensuing months after I filed the original complaint on XX/XX/XXXX I was going thru my mothers files and found the Consumer Signature Card that was processed by Mr. XXXX ( officer number XXXX ) on XX/XX/XXXX when the account was opened. When I met with Mr. XXXX on XX/XX/XXXX I showed him the signature card and asked why I had not told that I was also a beneficiary. Mr. XXXX suggested that sometimes the attorney-in-fact is not a beneficiary. I showed him the form and he emailed the BBVA Compass Bank to ask their opinion. He said that I should call him the next day to ask him about the ruling made by the legal department. I called and left a message. I called again on XX/XX/XXXX and left another message on his phone ( XXXX ). I then called the banks main number XXXX and spoke with Mr. XXXX XXXX. Mr. XXXX then told me that they had found that in one system that I did appear as a beneficiary, but in another system I did not appear as a beneficiary. This explanation is nonsensical. 
The signature card clearly identifies me as a beneficiary. In CFPB Complaint # XXXX BBVA Compass Bank states that it can not release any information to me because I was the attorney in fact. However, I am clearly also a POD, I need an answer as to why I was not notified that the account was frozen. They did notify the creditors that the account was frozen. It is obvious that BBVA Compass Bank does not follow their own policies.
Product: Checking or savings account

I started a claim with my bank on the XXXX of XXXX about unauthorized transactions for the total amount of XXXX $ from XXXX XXXX. My bank informed me that it was indeed unauthorized and they would return the funds to me. Upon reading my claim I saw the bank had a charge on it that I told them to not include in my claim over the phone, some how it still made it to my claim. That was for my rent I paid to my landlord. So in order to stop my landlord from being back charged I again attempted to remove the XXXX $ transaction from the claim. I am aware it takes 48 hrs to update. I call every day and get lied to and told my claim is done and funds are on the way. But they never came. Call back in after 48hrs, talk to a rep who tells me due to a computer error all 30 unauthorized transactions would be closed instead of the single 1 I chose ... ..any way they say it's OK we will send the credit today and expedite it. Credit still has not hit my account and that was 3 days ago! Today is XXXX Please help me! I feel like My bank ( wells fargo ) is trying to get away with not giving me that XXXX $ back!
Product: Mortgage

The loan officer with XXXX XXXX took the application with buyers who were not qualified with income and credit even after the buyers met the first lender recommending FHA mortgage by adding one of family member ( Son ). 

XXXX Loan officer promised the buyers to get conventional mortgage with 3 % down payment without adding applicants. The first lender explained that there is no way to get conventional or FHA mortgage without adding more applicant 's income. 

XXXX ordered the appraisal inspection out of time scope, and the report delivered two days after due diligent period AND the valuation was {$20000.00} less than contracted price. Maybe XXXX loan officer realized that no possibility to obtain conventional mortgage and explained not to get conventional mortgage due to lack of valuation. 

Even though we knew no possibility of getting a conventional mortgage, the loan officer in XXXX processed the application for conventional mortgage. The loan officer urged the loan application was approved with 3 % down thru conventional mortgage. However, the loan officer didn't provide the approval sheet nor loan estimate to buyers in time manner. " No issue on loan approval but valuation '' urged after getting the appraisal report. However, the officer recognized that income and credit didn't meet XXXX XXXX ' guideline at all. And tried to avoid the responsibility by using less valuation report. 

The loan application couldn't be qualified with conventional mortgage under buyer 's income and credit in the first step. The loan officer was misleading a client to lose a chance to get back earnest money and time to apply correct mortgage program. 
Furthermore, the loan officer resigned XXXX and moved to another mortgage lender before the case ends up. 

Lost {$520.00} appraisal fee, {$370.00} property inspection and {$2000.00} earnest money from loan officer 's negligent and unprofessional business affairs. Total amount was {$2800.00} Last, please ban the loan officer do mortgage business to protect more victims. 

please see attached file for details in time frame.
Product: Debt collection

I have been trying to fight this for years but the company doesnt respond and ignores my letters of requested information! XXXX 5 attempts this year each time no response or only statements were sent. This is not proof of verification. XXXX 6 attempts this year each time no response or only statements were sent. This is not proof of verification. XXXX 6 attempts this year each time no response or only statements were sent. This is not proof of verification. XXXX4 8 attempts this year each time no response or only statements were sent. This is not proof of verification. Letter sent : This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay YOU. Please keep in mind that itemization of debt/past billing statements alone are NOT proof. I require solidified documentation with my signature along with the following. Please send the following information : -The name and address of the original creditor, the account number, and the amount owed -Verification that there is a valid basis for claiming I am required to pay the current amount owed. -Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Please also note whether this debt is within the statute of limitations and how that was determined. Please also forward details about vour authority to collect this debt, whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number. Along with the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing this complaint due to Transunions failure to comply with the request for re-investigation of a written dispute requested on XX/XX/2021. Under the Fair Credit Reporting Act 15 USC 1681 I ( 6 ) I should have received a response letter no later than 5 business days after Transunions investigation was completed. It is past that time and I have not received a response. Now Im forced to spend money I really dont have to pay for certified mailing just to ensure I receive a response from them. 

My rights under Fair Credit Reporting Act 15 USC 1681 b ( a ) ( 2 ) Permissible purpose of Consumer Reports law are being violated. I did not give Transunion permission to report these inquiries. In my dispute I requested removal of unauthorized hard inquires from my report. This was not done. 

At this point, I am demanding Transunion cease & desist from reporting these inquiries. I demand they are immediately removed from my report. If they refuse to remove the items, I demand Transunion provide me with written documentation swearing under penalty and perjury laws they were there when the inquiries were authorized. I demand they also swear under oath that I signed for the inquiries requests and I signed documentation agreeing to add Transunion to the account to be able to report them on my report. 

These erroneous entries are detrimental to my overall credit rating and has caused me severe financial and emotional distress. If this matter is not resolved through this complaint, I will pursue the enforcements of my constitutional rights via federal court proceedings. The information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. If necessary, I will represent myself pro-se and formally request a jury trial.
Product: Debt collection

XXXX XXXX XXXX : XXXX To Whom It May Concern, On XX/XX/2022, I wrote to you requesting an investigation into items listed below. The below accounts are INNACCURATE. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Since this is myTHIRDrequest, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. Please see my reasons for dispute below : XXXX XXXX As the original credit and executor, I never granted any specific company the right to contact me, and they did so continuously using abusive tactics. Under the Fair Debt Collection Practices Act 15 USC Section 1692 I was a victim of invasion of my privacy.You are violating laws enacted by congress, and I am aware of my rights as a consumer. Remove this defaming information immediately. XXXX XXXX The late payments on this account are inaccurate and are in direct violation of 15 USC 1681s-2 ( a ) ( 1 ) ( B ). In addition to that, these late payments can not be validated. - Please remove this inaccurate information from my report. This company is in direct violation of congress law. Please investigate and delete immediately. I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. This account has also been in a dispute status all while still attempting to collect debt, and I've yet to receive verification of debt via mail with proof of ownership of this specific charge off account SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX P.S. Please be aware that dependent upon your response, I may or may not be inclined to prepare a statement for online public release, including documentation of any potential law violations that I will be preparing all documentation for validity and forwarding all said complaints to the organizations below : CC : XXXX XXXX, Assistant XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller of the Currency CC : Federal Reserve XXXX XXXX : XXXX and XXXX XXXX of XXXX CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Enclosures : Proof of Address Proof of Identity
Product: Credit card or prepaid card

Capital One Fraudulent Business Practices. 1 ) I purchased two wigs using Capital One Mastercard, one of which wasn't what I ordered at all. I called the company, XXXX, an hour or less after I received them. XXXX kept giving me all kinds of crap about letting me return the wig over two or three days. XXXX kept " losing '' the photos I sent etc. So, I called Capital One. Capital One removed the charge of {$160.00} and change on XXXX XXXX XXXX and put the charge right back on my account on XXXX XXXX XXXX -- which I didn't notice for a couple of weeks.

I called Capital One and got no where. Capital One claimed they were following Mastercard Protocols. -- I had no idea Mastercard was like this. I've never had a problem with a company engaging in fraud when I made a purchase through Visa. Never. Once I pay off Capital One, I'll never use Mastercard again. ******************* When I realized Capital One was cheating me in this way, helping fraudulent companies, I decided to check my account more closely and found out Capital One did " Purchase Adjustment '' without notifying me this at least 3 other times.

* * * * * * 1 ) XXXX XXXX issue was resolved after a complaint here, to the CFPB. Apparently XXXX XXXX told the truth when queried about why they charged my account. A correction was made. {$59.00} * * * * * 2 ) I purchased a XXXX XXXX XXXX that turned out to be a matt. It barely got warm at all and it was too inflexible to use. I also paid for next day service and didn't get it. I tried to return the matt over and over, the website wasn't working. XXXX XXXX. Their phone wasn't working either. {$170.00} I called Capital One, where they state they record the conversations. The customer service rep at Capital One told me not to worry about sending the matt back -- -because I couldn't. One week later, unbeknownst to me, Capital One snuck the charge back onto my account on XXXX XXXX XXXX. ( I've send Capital One the apology e-mail from XXXX XXXX via CFPB -- there's no way they didn't receive it. ) 3 ) I paid for a group trip in installments, at the beginning of XXXX. The trip didn't take place because of COVID. The company had to cancel the group trip. Capital One credit my account for 4 of the charges but then recharged me for one of the trip installments on my XXXX XXXX statement that's somehow dated XXXX XXXX for {$270.00} The only reason I know what it is -- is because of the amount. It says " PURCHASE ADJUSTMENT '' and Capital One adds near {$300.00} to may account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed in my report were unauthorized .I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FIN XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX & XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing dispute letters since XXXX and have nonthing have been done about it
Product: Checking or savings account

I have a had a credit card with Citi for quite some time ( around a year ) without issue. I recently opened a checking and savings account and connected it to my credit card, the idea being to have all of my money in the same place. 

I made two small deposits, around {$1000.00}, initially in order to set up my account. Seeing that these went through I then cashed a check from my job and also transferred {$10000.00} from my previous bank. 

At this point both my checking and saving 's accounts were blocked, I assume as they were flagged for fraud. I tried to get in contact with the fraud department, but was left on hold for 3 hours. This was early XXXX. I did not receive any contact from Citi during this time. 

Today, the XXXX of XXXX, I attempted to log in to see if my accounts had been cleared yet. I was unable to login at all. I made another call to the fraud department and was able to get through after an hour. I was informed that my account had been scheduled for closure and that this may take up to 60 days. I asked for more information, but was told that I just had to wait for a letter to arrive. 

The associate was unable to tell me when the letter was sent, when it was likely to arrive or any other information about my account. I asked to speak with a supervisor and was informed that none were available. The associate did not confirm my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here we go AGAIN with Tweedle Dee, XXXX, and XXXX, otherwise known as Transunion, XXXX, and XXXX!! 

While one company corrects the false information reported, they put other old information they had once removed back on there or their XXXX XXXX counterpart puts it back on their site and instead of my score going up like it should it continues to go down which makes NO SENSE!! Their explanation to me is Pay your bills on time blah blah blah except this is from accounts that are either not mine or from accounts that have been closed for 8 years and were paid 100 % on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, XXXX XXXX  are reporting misleading information on my credit report that should've been removed last year. These two late payments are well over 2+ years old and it's significantly impacting my credit report. My credit worthiness has taken a big dip because of XXXX XXXX  reporting late payments that shouldn't be reporting on my credit report.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX Summary of Incident : Consumer Details : XXXX XXXX, Social Security Number : [ XXXX ], Date of Birth : XX/XX/XXXX. A formal complaint has been lodged with the CFPB in response to an erroneous credit report issued by XXXX, which has been contested according to FCRA 605B ( 15 U.S.C. 1681c-2 ). That XXXX credit reporting agency block information appearing on my consumer report, that is a result of identity theft and fraud within 4 business days of receiving this complaint. Details of the Complaint : This complaint originates from an incident of identity theft, corroborated by the disputed credit report from XXXX. It wrongly includes several unauthorized accounts and inquiries : A credit account purportedly opened with XXXX ( XXXX XXXX Bank ) on XX/XX/XXXX. An additional account was allegedly initiated with XXXXXXXX XXXX on XX/XX/XXXX. These unauthorized accounts have resulted in multiple derogatory entries on my credit report, such as hard inquiries and collections, which I do not acknowledge and have not consented to. These entries have detrimentally influenced my consumer XXXX score. Additional Documentation : Provided are the list of hard inquiries, a copy of my consumer XXXX credit report, and a copy of the FTC Identity Theft Criminal Complaint ( case number [ private ] ) filed with the U.S. Federal Trade Commission. These documents support the assertions of identity theft and the resulting errors on my credit profile. All listed accounts, inquiries, and collections are claimed as the result of identity theft and were not authorized by me. This version has been tailored to include the specific details you provided. If you need further adjustments or additional information added, feel free to let me know!
Product: Credit reporting or other personal consumer reports

I was compromised in 2019, I had several inquiries n my credit reports. I had accounts opened up fraudulently opened up in my name. I had been part of the XXXX breach, had a few cards opened in my name I had inquiries and a bank acct open. I also have since still been getting inquiries. During pandemic, I lost my public storage to an auction, in which I kept my personal docs. The individual who obtained my locker contents possibly had access to my ssn dob tax info etc. A Bethpage Credit Union bank account was opened I have recent info by XXXX as well a XXXX that a Bethpage is still reporting on my file. I dont know much of the situation ; however, I do know that an account was fraudulently opened in my name. The expenses are being reported against me illegally also without my knowledge. This is inaccurate information. Upon inquiring with XXXX XXXX XXXX and with my extended XXXX report and my consumer report this needs to be addressed, removed as it has caused banks to look at me as delinquent. I have spoken to XXXX from Bethpage in reference to the fraud affidavit. 

I have just discovered as of recently that I had fraudulent reporting information on my XXXX consumer report. 
I had false reporting inaccurate information reporting on my name due to having my personal information being compromised as a result of being a victim of identity theft. 

I obtained my report, contacted XXXX to dispute the inaccurate information. 
I contacted XXXX, followed their dispute process and according to the FCRA I reported the fraud I discovered in the report. 

It dates back XXXX, and even XXXX years as it was not to my knowledge of these accounts even being in my name. 

I filed an FTC report, I also sent in the information to XXXX. 

XXXX XXXX continues to report false information on my consumer report illegally. 
They told me the date I filed the Police report, FTC reports were too far from the date of the theft. 

I was unaware of the theft until obtaining my report, so there was no way for me to have prior knowledge of this. 

XXXX XXXX are doing unfair practices that do not align with my rights as a consumer and are reporting fraudulent false information on my report.