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

Dear CFPB, I am writing to bring to your attention an unresolved issue I've faced involving a banking transaction between Citizens Bank and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I believe this matter not only impacts me personally but underscores the importance of transparent and effective transactional practices among financial institutions. Brief Description of the Incident : On XXXX, I initiated two transactions to transfer funds into new accounts I had opened at Citizens Bank. One of these transactions involved transferring {$500.00} from my XXXX  account to a new checking account at Citizens Bank, and the other was a transfer of {$500.00} from my XXXX Saving account ( provided by XXXX XXXX XXXX XXXX ) to a new savings account at Citizens Bank. Shortly after, Citizens Bank terminated my accounts and notified me via email that my transactions were unsuccessful. While I received the refund from the checking account transfer ( from XXXX ), the {$500.00} from the XXXX Saving account has yet to be refunded. Despite multiple communications with both Citizens Bank and XXXX XXXX XXXX, the whereabouts of the {$500.00} remains unresolved. Actions Taken : I visited a local branch of Citizens Bank, where I was informed that the money had been withdrawn from Citizens and should be in XXXX XXXX XXXX. Upon contacting XXXX XXXX, I was advised to wait several more days. After waiting for over 14 business days, I still hadn't received my refund. XXXX XXXX requested more information to verify the transaction. I procured an ACH trace number from Citizens Bank to track the transaction and provided it to XXXX XXXX. However, they reported that they couldn't find any information related to this trace number. Despite my best efforts to resolve this issue directly with both banks, the money remains unaccounted for, and I am left in a state of financial and emotional distress. I am seeking the CFPB 's assistance in mediating this situation. I hope that with your intervention, I can recover the missing funds and that this incident can shed light on any procedural shortcomings that may exist, ensuring that others do not face similar challenges in the future. Thank you for your attention to this matter. I trust in the CFPB 's commitment to ensuring fairness and transparency in financial matters and eagerly await your guidance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681section 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I initiated a dispute on credit report to the credit bureaus asking if they report bankruptcies to the credit bureaus and I got a letter stating The company that reported the information has certified to XXXX that the information is accurate. To date, I have not heard back for the dispute with the other agencies. How did the credit bureaus verify my bankruptcy as 100 % accurate? I do not believe a fair investigation was conducted according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 instruction. 
According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have two accounts in question. The first is my XXXX account with XXXX XXXX XXXX and the second is my XXXX Account. My XXXX  account has been opened several years. The account was on my credit report, but Experian deleted it for no reason. Experian refuses to report my information. I have contacted XXXX and they have informed me that the information is being reported. It is being reported with the other two credit bureaus. In regard to my XXXX account it has been opened since XXXXXXXX XXXX. It is being reported by the other two credit bureaus, but Experian is not reporting my information. XXXX has confirmed that they are reporting this information every month. Experian will not report this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Product: Debt collection

Received two notices of attempts to collect a debt, which are not associated with any accounts that I have opened. Attempted to contact Radius Global Solutions LLC and did not receive any information to contact them aside from a fax number. Furnished documents regarding the possibility of an incidence of identity theft. Received no response after attempting to report this on XX/XX/2020 to Radius. Received notices on XX/XX/2020 from Radius.
Product: Debt collection

I am submitting a complaint against XXXX XXXX XXXX for wrongfully attempting to collect debt for an item I never even received. 

I placed an order from XXXX on XXXX XXXX, with an order number of # XXXX in the total amount of {$210.00}. I had an XXXX gift card in the amount of {$36.00} which was placed towards the item, leaving a balance of {$190.00} to be paid. I used a XXXX prepaid card to make the purchase and was to pay the remaining balance off in 4 equal installments, beginning on the date of purchase. 
I paid {$41.00} in addition to using a gift card with the purchase of {$36.00}, for a total amount of {$77.00} on XX/XX/XXXX. 

Essentially, I never received the order I placed with XXXX. The associated tracking information for ORDER # XXXX asserts that my package was delivered to a " mail room '' on site here at my apartment. At the time, my apartment did not have a " mail room ''. 
Additionally, I have indicated specific and direct instructions with my XXXX orders to leave the package at my front door. 
Initially, I reached out to XXXX to resolve the order in which they told me to inquire again if the package did not show up a few days later. Additionally, I even went to my apartment 's leasing offices & no one knew the whereabouts of my package. 
I waited a few days before reaching out to XXXX to resolve the issue. 
I was told that I could not receive a refund because the order marked delivered. 
I find this odd, because there was no picture at all of my package that was allegedly delivered. Usually, XXXX takes a picture of delivered packages & uploads them to the order tracking for proof of delivery. 
I reached out several times to XXXX before reaching out to XXXX to dispute the charge. The XXXX transaction I made to initially obtain the prepaid card to pay for the XXXX purchase is referenced as Order # XXXX. 
I kept getting sent in circles by XXXX for months as we went back and forth regarding the issue via email. 
On XX/XX/XXXX, almost 6 months after placing the order on XXXX I never received, XXXX kept assuring me via email that my issue has been " forwarded to our Specialist Team for investigation and they will get in touch with you as soon as possible ''. 

Almost a month later I received an email on XX/XX/XXXX that XXXX has reported me to a collection agency for a purchase I did not receive. XXXX failed to notify me that they were sending me to collections for a purchase I did not receive. 

XXXX did not help me with this issue as I reached out multiple times for assistance.
Product: Credit card

Best Buy/CitiBank Cards is trying to rebill me for something that happened several months ago. I filed a dispute because I returned a TV for {$860.00}. I provided proof that it was returned via USPS and they 're now re-billing me for it when the dispute was filed back in XXXX. According to the LAW, a bank or company has up to 90 days to resolve a dispute, that time frame has passed. Also I have contacted them several times about this and they 're refusing to work with me. This is n't the first time they 've done this to me.
Product: Credit card

I called USAA American Express Credit Card Customer Service number at XXXX which was provided on the statement. 

Issue # 1 - they asked for my whole credit card number or my social security number to be provided to triage who i am before connecting me to a service representative.

Issue # 2 - when connected with a service representative, I was told I had to provide my account password as one of the personal varication steps.

Issue # 3 - i called for two reasons, but my complaint is on the second one. My credit card statement is showing charges from XX/XX/2023 through XX/XX/2023. And is showing Interest charge information tallied on XX/XX/2023. There is nothing on the statement that specifically states what date ranges the statement is covering so I must presume, based on the charge information, the statement is covering the period from XX/XX/XXXX through XX/XX/XXXX. My credit card limit is {$5000.00}. I had no previous balance. Between XX/XX/XXXX and XX/XX/XXXX, I had {$1000.00} in charges and no accrued interest. Yet, the statement is showing available credit is {$1500.00}. I was calling to get an explanation as to why the statement was not showing {$3900.00}. The service rep kept trying to say that it was because of charges accrued after the XXXX of XXXX- even though they are not reflected on the statement. This does not make sense as a statement is to reflect a point in time and should only consider that which is encompassed within the printed statement for the time frame that statement is covering. She was unable to provide an explanation as to why charges not represented on the statement were impacting my printed available balance.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, from XXXX I temporarily lifted freezes at Equifax, XXXX and XXXX. Because I was able to open the new account soon after, I thought it would be best to re-freeze all three. I had no trouble logging on and placing immediate freezes on the XXXX and XXXX websites, but there was no option to do so on the Equifax site. 

Because I learned in XX/XX/XXXX that my ID had been stolen, probably a result of the Equifax breach, I keep it frozen whenever possible. When I called Equifax today to ask why I could not end the temporary freeze early, and freeze again, the rep took all my personal info, had me answer security questions and then told me it would take XXXX business day before my account could be frozen again. When I asked to speak with a supervisor, I was placed on hold for XXXX minutes before being disconnected. I have to assume that the only reason Equifax can not allow consumers to immediately refreeze is that they are involved in some ID theft ring and I hope the FBI is investigating!! Thank you!
Product: Mortgage

I had 4 mortgages with Nationwide Mortgage Bankers for 4 different investment properties. 3 of the loans got transferred from one servicer to another service. The transfer took place in XXXX. Property taxes were paid in XXXX and it so happened that the escrow balances went negative on all 3 mortgages. After transfer in XXXX, the new servicer showed DOUBLE the negative balance in all 3 escrow accounts. There were no disbursements that would account for the missing money. Something must have happened during the transfer and this was confirmed by a representative on the phone. 

An escrow analysis was performed on all 3 affected loans to accounrt for the shortage and since all 3 had double the negative balance, my monthly payment went up significantly. I have been calling the company to try to get it resolved but the level of incompetence I have encountered is staggering. They do not respond to emails. The representatives on the phone have no access to any relevant data. They don't have access to any data from the previous servicer. I had to explain the issue every time I called them because they don't even have a case management system! They kept promising callbacks and results in X more business days but nothing ever happened. It took me over a month to get a manager to call back after I threatened to file a complaint and this manager finally acknowledged the issue and I was told it would be solved by XX/XX/2022. That didn't happen so I'm filing the complaint. 

The mortgage company is : Nationawide Morgage Bankers Inc ( NMLS # XXXX ) The service company is : XXXX XXXX XXXX ( NMLS # XXXX ) The impacted loan numbers are : - XXXX - XXXX - XXXX
Product: Credit reporting or other personal consumer reports

These hard inquiries are fraudulent and do not belong to me. 

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/year>
Product: Credit card or prepaid card

Netspend sent a debit card to my address on XX/XX/2021. They have the correct last name and address, but there is no one here with the first name shown on the card, and we didn't request a card. They, or possibly someone else, also called our home phone on or about XX/XX/XXXX and asked to speak to the person named on the card.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> SS # : XXXX Recently, i did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX this account is being reported inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXXXXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my creditbureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I wrote the company on XX/XX/XXXX. Into the inaccurate information on my consumer report. The company violated my consumer rights under 15 USC 1681 B2
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian had a security breach and my information was accessed and fraudulent accounts are on my credit report that need to be removed. This is a federal violation of the FCRA. These accounts are not mine and need to be removed from my Experian report : 1. XXXX # XXXX 2. XXXX. XXXX   XXXX/XXXX # XXXX, XXXX, and XXXX. 
3. XXXX XXXX # XXXX 4. XXXX XXXX # XXXX 5. XXXX XXXX XXXX # XXXX 6. XXXX XXXX # XXXX 7. XXXX XXXX XXXX # XXXX 8. XXXX XXXX # XXXX 9. XXXX XXXX XXXX. # XXXX 10. XXXX # XXXX 11. XXXX XXXX # XXXX 12. Chapter XXXX bankruptcy discharged # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting companies allow accounts that have nothing to do with credit be placed on credit reports. XXXX should not be allowed to report to a credit report because they offer services and not consumer loans or any form of credit, like credit cards..etc. I ask that XXXX  remove the account from XXXX XXXX XXXX.
Product: Student loan

I am in the Public Service Loan Forgiveness program with XXXX XXXX. I received a summary of my qualifying payments in XXXX. It left off 3 obviously ( and previously ) qualified payments I made. Since XXXX, I have called multiple times to have these qualifying payments recalculated and I keep getting differing opinions about how long it will take to do so ( three months was the average ). Now, it's been five months and I just called and now they say they're only working on requests from XXXX, 2017, 6 months prior to my complaint. To calculate forward from that, they're saying it will take about a year to correct their mistake!?? That is unacceptable to any one. What other financial institution will say to a customer that it will take a year to correct a mistake they made?
Product: Money transfer, virtual currency, or money service

Cant link my account with internet products, want to nuy stocks at XXXX and my bank is blockin the linking process
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint to request your assistance in resolving a dispute regarding an inaccurately reported account on my credit reports with XXXX and Equifax. Specifically, the account in question is : XXXX XXXX Account # XXXX This account is currently reported as a charge-off with the designation Profit and Loss Write-off by Grantor. However, I believe this information is inaccurate and constitutes a violation of the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S.C. 1681s-2 ).

If this account was indeed charged off as a profit and loss write-off, I should have received a Form 1099-C from XXXX XXXX, as required by IRS regulations for reporting the cancellation of debt. Since I have not received this form, it raises serious concerns regarding the accuracy of the reporting : 1. The account is being inaccurately reported to the credit bureaus, violating FCRA Section 623. 
XXXX. XXXX XXXX may have failed to report the charge-off correctly to the IRS, potentially indicating fraudulent or negligent activity. 

Under the FCRA, creditors are obligated to furnish accurate, complete, and verifiable information to credit bureaus. Any inconsistencies between a creditors internal records and IRS filings, or between how the account is reported to credit bureaus, represent a clear violation of federal law. 

Furthermore, under the FCRA, statutory damages may be sought if a creditor furnishes inaccurate information about a debt, such as misreporting a charge-off while continuing to claim the debt is owed.