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

There was a fraud account transfer from my checking account for a total of {$350.00}. The app used was XXXX XXXX app. I tried to contact the person ( XXXX XXXX ) whom the money was transferred to and they immediately blocked my number after withdrawing the funds. I immediately called XXXX XXXX App but they asked me to call my Bank to dispute it. I called my Bank ( PNC ). They took more than 8 weeks and denied my claim and charged me Overdraft Fees ( {$72.00} ). Either XXXX XXXX could have called the person ( XXXX XXXX ) and resolved ot my bank ( PNC ) would have done a proper investigation. Instead PNC charged me overdraft fees and failed to do a proper investigation. Peron who committed the fraud : App : XXXX XXXX XXXX XXXX XXXX ID : XXXX Identifier : # XXXX Source : PNC I want XXXX and PNC to investigate the fraud with the person XXXX XXXX and refund me the total {$350.00} + {$72.00} = $ {$420.00} Peron who committed the fraud : App : XXXX XXXX XXXX XXXX XXXX ID : XXXX Identifier : # XXXX Source : PNC Information about the app : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX is a mobile payment service developed by XXXX XXXX, allowing users to transfer money to one another using a mobile phone app.
Product: Mortgage

I applied to refinance my mortgage with PenFed credit Union XX/XX/XXXX. The process moved forward quickly at the beginning and the appraisal was ordered. After that, I heard nothing over and over. I would email my loan processor over and over with no response. In XX/XX/XXXX, a manager finally called me and said they were waiting on a recertification of the appraisal since it had been so long and it would close before the year ended. Final underwriting was complete and things would be done. The loan processor emailed XX/XX/XXXX and said the loan was complete and she didnt know why a closer had not reached out to me. Well it is now XX/XX/XXXX and I have tried over and over to speak to the loan processor with no response. XXXX, XX/XX/XXXX, I received a CD with a tentative closing date of XX/XX/XXXX ( a date that already passed XXXX. On this CD the points that I was going to pay at closing increased, the loan amount was not corrected even though I have asked multiple times, and I am now being charged {$170.00} fee for the recertification of the appraisal which was never disclosed to me. XXXX appears to be delaying the process to increase fees on purpose and it feels malicious and deceptive. Also my loan processor XXXX XXXX has not disclosed her MLO # in her emails.
Product: Money transfer, virtual currency, or money service

In XX/XX/2023, someone hacked into my XXXX account and removed {$100000.00} that they transferred to two separate US regulated banks where they had opened accounts in my name. Neither bank required photo ID to properly know their customer. Barclays Bank is still sitting on {$80000.00} of my money and, despite being sent a court order to return the funds to me, has refused to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


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

15 U.S.C 1661 Section 604 A Section 2. Its also states a consumer reporting agency can not furnish a account without my written instruction
Product: Credit reporting or other personal consumer reports

Subject : Legal Demand for Monetary Damages Due to Violations of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally demand monetary compensation for damages caused by your continued failure to remove an inaccurate XXXX XXXX  account from my consumer report, despite multiple dispute requests. This account does not belong to me, and your failure to correct this error constitutes a willful violation of my rights under the Fair Credit Reporting Act ( FCRA ). I submitted formal disputes regarding this matter. Despite clear evidence that the XXXX XXXX  account does not belong to me and supporting documentation indicating a potential case of identity theft, you have refused to remove the inaccurate information. This continued reporting of inaccurate information has caused harm to my credit reputation, financial standing, and has resulted in damages. Under the FCRA, you are legally required to maintain accurate information on consumer reports. By failing to do so, you have violated the following provisions : 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) which mandates that inaccurate or unverifiable information be deleted from a consumers file after a reasonable investigation. 15 U.S.C. 1681c-2 which requires the blocking of information related to identity theft once notified. Due to your continued non-compliance, I am now pursuing monetary damages as provided under : 15 U.S.C. 1681n for willful non-compliance, which allows for the recovery of actual damages, statutory damages ( up to {$1000.00} per violation ), punitive damages, and attorneys fees. 15 U.S.C. 1681o for negligent non-compliance, which allows for recovery of actual damages and attorneys fees. Demand for Relief I demand that you immediately : 1. Remove the inaccurate XXXX  XXXX  account from my consumer report. 2. Pay the following damages : Actual damages incurred due to the inaccurate reporting, including but not limited to the denial of credit, higher interest rates, emotional distress, and damage to my financial reputation. Statutory damages of up to {$1000.00} for willful violations of the FCRA. Punitive damages to deter future violations. Attorneys ' fees and costs associated with this matter. Failure to meet these demands within 15 days of receiving this letter will leave me no option but to initiate a lawsuit to recover the damages owed to me under the FCRA. Please respond in writing to confirm your compliance with these demands and to provide the monetary compensation requested. I prefer that any future communication be made in writing. If you fail to comply with this demand, I will be filing a lawsuit without further notice. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Target Card was opened under my name. I called the company and reported that it was fraud. Not sure how the have my information.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Subject : New Complaint and Evidence This is not a duplicate complaint. 

I, XXXX XXXX, disputed and called the creditor to demand the closure of the following account well before this creditor was allowed to update my credit report on XX/XX/XXXX, including on XXXX, XXXX, XXXX and XXXX XXXX - Fraud Protection Dept Case id XXXX # XXXX Case id XXXX # XXXX. 

I have discovered new information indicating that this creditor pulled my credit at least XXXX times without my consent, significantly lowering my score. Additionally, there are discrepancies regarding the account status. This account was " closed by the consumer '' due to fraud, not by the grantor. An identity theft report has been filed naming this creditor. 

This account needs to be deleted, and my scores need to be raised to the XXXX. 

Account Details : - Creditor : XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX Sincerely, XXXX XXXX
Product: Checking or savings account

A Synovus budget checking account was opened without my consent or knowledge. I received a statement of account with a balance of {$20.00} and a service fee of {$5.00} in the mail from XX/XX/2023. Ive called the company at the number provided, XXXX, and they were unwilling to provide the information about the account or its origin without me providing personal information. I was told to contact my credit bureau.
Product: Checking or savings account

On XX/XX/year>, I filed three separate disputes with Ally Bank for transactions totaling {$2800.00} ( {$2000.00} + {$500.00} + {$350.00} ) for a purchase from a single merchant ( a breeder ). The puppy I purchased was sold with undisclosed health issues, including parasites, and later died. I provided extensive evidence, including veterinary records and text messages, proving that the breeder knowingly sold an unhealthy animal.

Under Regulation E ( for debit card disputes ) or Regulation Z ( for credit card disputes ), Ally Bank is required to provisionally credit my account within XXXX business days if the investigation is not complete. However, as of [ todays date ], it has been [ X ] business days, and Ally Bank has neither provided a provisional credit nor given any meaningful update. 

I have contacted Ally Bank multiple times, but they have : Delayed resolution with no clear timeline. 
Refused to provide a direct answer regarding the status of my dispute. 
Refused to escalate my request to a supervisor when I pressed for answers. 
Told me I was welcome to file a complaint, suggesting they are intentionally stonewalling. 

Requested Resolution : I am requesting that Ally Bank immediately issue the required provisional credit for the disputed amount of {$2800.00} and complete the dispute process in a timely manner. Their failure to comply with federal consumer protection laws is unacceptable, and I expect immediate corrective action.
Product: Credit reporting or other personal consumer reports

I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Do the same to this account and XXXX XXXX. XXXX, XXXX - XXXX Identified Inaccuracies Discrepancy in Date Opened : Experian reports the account as opened on XX/XX/year>, while XXXX lists it as XX/XX/year>. 
This inconsistency violates FCRA Section 611 [ 15 U.S.C. 1681i ], which requires accurate and consistent reporting across credit bureaus.

1. Balance Reporting Errors : Both Experian and XXXX list the balance as {$940.00}, but no verifiable documentation has been provided to substantiate this amount. 
2. 6 of 19 Failure to verify and validate this information violates FCRA Section 623 [ 15 U.S.C. 1681s-2 ], which mandates furnishers to ensure the accuracy of reported data.

Lack of Verifiable Documentation : No evidence has been provided to prove the legitimacy of this debt, including the original signed agreement or proof of debt ownership.

This is a clear violation of FCRA Section 611 [ 15 U.S.C. 1681i ] and CFPB guidelines, which require creditors to provide evidence of debt upon dispute.

3. Failure to Update Account Status : The status remains as XXXX, despite no confirmation or resolution being provided. This is non-compliant with Metro 2 Compliance Standards, which require accurate, timely, and complete updates to consumer credit files.
Product: Mortgage

My loan was sold ( again ) and serviced by Loan Care. This company is a nightmare, it is supposed to be a servicing company but they do n't provide any service. Recently I tried to log into my account to retrieve my statement ( I had signed up for online delivery ). Password resets and emails did not work so I called during the day. After significant attempts to reach someone ( there 's no option to talk to anyone ) I find out that their recent update made their website incompatible with XXXX. All the customer service rep would say is that I have to access through a PC. And his only solution was to email me my statement through unsecure email. He hung up before I could have the delivery changed to mail instead of a website I ca n't access. There was no mention of when it will be fixed nor any genuine concern or apology for their errors.
Product: Credit card

I am a XXXX ; in NY on XXXX XXXX I applied with my wife for a us macy 's XXXX ; ihave no XXXX BUT I HAVE a XXXX ; I provided my identity - a XXXX driver 's license and I authorized a credit search ; I have never had credit problems I got a letter dated XXXX XXXX saying I can not get a Macy 's XXXX card but only a Macy 's card as I am not a resident of the XXXX I feel discriminated based on my national origin ; I have a XXXX American credit card and XXXX XXXX XXXX credit cards issued respectively by the XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect addresses are being reported on my credit reports that I never lived at. The only address that I would like to be reported is XXXX XXXX XXXX, XXXX, New York XXXX.
Product: Mortgage

I called in XX/XX/2020, Quicken Loans/ Rocket Mortgage for forbearance during the COVID shutdown in CA. Although my remaining loan had 10 years left to be completely paid off, my employment hours was cut in half, I needed assistance. They offered forbearance on my loan to put 3 months of payments onto the end of the loan. I accepted. 3 months later I applied for an additional 3 months due to the recent 2nd shutdown and was granted by letter, an additional 3 months by Quicken Loans. 
However, when I called Quicken Loans to confirm this, I was transferred to a loan modification representative. The representative said I was eligible for a loan modification that would lower my payments, but refused to tell me the terms, saying I could review the terms on their website. I asked again about putting the payments onto the end of the loan, but was told this new payment would lower my monthly payments. She asked for my account number and routing number to " lock-in '' the lower rate. I gave her the information thinking I was going to get a lower payment overall with no change in the life of the loan. 
The next day, I looked on the Rocket Mortgage website and found they had doubled my loan amount owed and changed the terms to 40 years. 
I called Monday morning to Quicken Loans to cancel this loan modification but was repeatedly told by a scripted representative I had agreed to the loan modification by providing my account number and routing number. I asked to cancel the loan modification, stating the terms were repeatedly refused to be disclosed until after I had agreed to the modification. Again, a scripted response, I had agreed to the loan modification. 
I believe this is fraudulent misrepresentation of forbearance offered to me originally. The representative of Quicken Loans misled me to believe I was getting a lower payment plan without any change in the length of the term. 
I was not allowed to cancel the loan modification in my conversation with a loan representative, being told repeatedly by scripted employees, I had agreed to the loan modification. 
I believe Quicken Loans is taking advantage of Americans in COVID forbearance to get them to agree to loan modifications, advantageous only to Quicken Loans.
Product: Checking or savings account

I opened a business checking account with Truist bank in XX/XX/. I opened the account here because of the current promotions that the company was offering. If I opened a business checking account and deposited {$1500.00} within the first 60 days I qualified for a {$400.00} promotional credit. Additionally, if I got approved for a business credit card within 60 days I qualified for an additional {$300.00} promotional credit. I opened my account in a physical branch with the branch manager, XXXX XXXX. She validated the current promotions being offered and I was approved for $ XXXX line of business credit while I was in the branch on the day of opening the account. For some reason ( that was never shared with me ), a month later in XXXX I received correspondence that my credit application was denied? I'm not sure why, I contacted XXXX, and she was supposed to handle that for me as she was confused on the rescinded offer as well. 
Not only did I not receive the {$300.00} promotional credit for the credit approval I also have not received the {$400.00} for depositing {$1500.00} within 60 days ( which I did my transferring my business earnings from my personal checking to my business account which XXXX assured me was acceptable. ) This situation has been ongoing for 7 months now with no resolve or clear communication as to what is going on and why. I even contacted corporate and they also had no resolve. This is completely unacceptable.
Product: Credit reporting or other personal consumer reports

FCRA 605B stipulates the removal of any incorrect accounts from my credit report, I believe. Would you mind verifying the documents? There seem to be inaccuracies in the reporting of some listed accounts.
Product: Debt collection

XXXX is claiming I owe them {$470.00} for early termination of contract. I had a two-year contract with them from XXXX - XXXX. After that I was on a month-to-month plan and I had to relocate because my landlord moved back in their house at XXXX, VA XXXX. When I contacted XXXX to inform them that I was relocating and wanted to transfer my services to XXXX ( XXXX, VA XXXX ) they informed me that they only had telephone service in that area at that time. Since I needed a total package ( phone, internet and cable ), I left XXXX and went with XXXX. XXXX then told me that I would have to pay an early termination fee if I did not take their phone service with me. XXXX alleged that I was back in a contract because they gave me a {$200.00} Gift Card which is not true. The only {$200.00} Gift Card I received from XXXX was back in XXXX for the 2-year contract. I did not receive anything after that from XXXX. I have tried on numerous occasions to resolve this issue with XXXX with no success. I also filed a dispute with the credit consumer reporting agencies with no success. This issue is adversely affecting my credit report. Any assistance you can provide will be greatly appreciated. 

XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act convergent account XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are reports contained in my credit file that are well over ten years old like XXXX XXXX and Security Finance and I need them removed. 
I need to know what I need to do to get this done, so I can begin to work on a fresh start. 
Thank you for your time.
Product: Debt or credit management

I spoke with a manager at DebtBlue today because I am unable to make my program payment. After conversation, I had discovered that I paid out a total of {$2000.00} so far. DebtBlue collected {$1000.00} in their fees, {$750.00} was applied to my active settlements, there was a balance of {$100.00} in my account, and after conversation I found out there was an additional {$180.00} in " fees '' for monthly account fees and each time they send a payment to a creditor. 

My issue was that the payment was too high to manage for me currently, as I would have to choose between either homelessness or debt. However, when seeking resolutions to the problem, I was told that my options were to either cancel out the program or make the payment. Despite DebtBlue 's claim that they were there to help me manage and get out of debt, they were more insistent on collecting their fees, which were never adequately explained to me in the beginning of the process. Neither how much they were going to collect, or when they would collect it. 

When I opted to cancel the program, they said that my balance in my account would be withheld to be applied towards the unpaid fees on the account. They also said that, not only would I not be provided with information on my settled accounts in order to continue payment, but that the settlement agreements would be voided on both ends. They failed to convey in the beginning that they could even do that. They charged me the full amount for a couple of settlements, and then they voided those settlements upon removal from the overall program. How can I be charged fully for a service to settle an account, and then be locked out of that settlement because I remove other settlements?? I paid for a service that was ultimately not delivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

The vehicle was a total loss on XX/XX/2023 and was reported. The insurance company of the vehicle paid {$12000.00} and now I have been waiting for the gap insurance from us auto to pay the remaining. The problem is us auto went out of business and its reporting that I missed a car payment on XXXXXXXX XXXX Since XX/XX/XXXX, when my car was totaled I am not required to make any more payments. Can you please help me get this resolved on my credit report. Thank you kindly
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block Inc ) due to inadequate customer service and unfair practices which violates the consumer financial protection act. Specifically, cashapp fail to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. furthermore, their dispute process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial issues and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Sagestream , LLC on numerous occasions ( website and telephone ) to freeze my credit report and request a copy of my credit report. On the first occasion, I requested a credit freeze via Sagestream 's website and supplied all requested identification information. My credit report appears to have been frozen ( based on interactions with a lender ), but Sagestream never provided a PIN ( or other method to manage the freeze ) and did not otherwise contact me regarding the freeze that I requested. I called Sagestream on two occasions and was passed to voice mail each time. I left 2 voice messages ( with Sagestream indicating that my call would be returned within 1 business day ) for them to return my call, but they never did. 

I also requested a copy of my credit report via Sagestream 's website and supplied the requested identification information. I have not received a copy of the credit report that I requested and my call/voice mail regarding this request has not been returned by Sagestream.
Product: Credit card

I got a credit card from TD Banknorth in XXXX 2015 with a {$7500.00} credit margin. I gave them my Florida adress as well as my northern adress because I live in Florida only 4 months per year. I used the card without problem until the spring of this year. An amount of {$250.00} was put on my card and the account sent to my Florida adress. The Bank says the the US Postal Service returned all statements sent to my Florida adress even though I had advised the US Postal service to forward my mail at my XXXX adress. 

I did in fact received at my XXXX adress all the mail sent to my Florida adress excep of course the statements coming from TD Bank. 
TD Bank had my XXXX adress in their file but they decided to ignore it. They had also phone numbers that they could use to reach me but did n't care to use them. 
Instead, they notified the credit agencies that I was delinquent, that my credit card was suspended and that they had written off the loan. 
I learned of all this from another Bank and after having paid off the amount owed to TD Bank I asked them to notify the credit agencies so that my record be clean but to no avail.