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

Please see Complaint # XXXX for my initial complaints. Subsequently, Citizens responded to you, SLANDERING us, by accusing us of using the accounts in an " illicit, exploitive, or abusive manner. '' I repeatedly asked XXXX to give me the reason ( XXXX ) that they closed the accounts, but they refused. 

Before our accounts were closed, I changed to Citizens the accounts where Social Security direct deposits our monthly checks. Because Citizens closed the accounts, i needed to update where XXXX XXXX should deposit our future checks. To effect these changes as quickly as possible, I needed to speak with a XXXX XXXX representative rather than update our information online ( using the online method would not take affect until XXXX ). Unfortunately, the XXXX phone rep asked me for the current account numbers where our checks were being deposited, which because Citizens had blocked my online access, I no longer had. I asked Citizens to provide these numbers to me ( on both XX/XX/XXXX and XX/XX/year> ), but received no answer.
Product: Debt collection

Jefferson capital systems has contacted me about a debt that was result of identity theft back in XXXX. According to the law 15c it was supposed to be deleted years ago when I reported it. I also did not receive proper debt validation. 
In the amount of {$2300.00} Jefferson capital systems knows this was a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I filed a chapter XXXX bankruptcy- Case number XXXX. This case is currently active/open. XXXX XXXX XXXX XXXX is included in this bankruptcy, however they continue to report my account as late. On XX/XX/2020, I opened a dispute with Experian due to the late payments being reported by XXXX XXXX XXXX XXXX after the date my bankruptcy was filed. On XX/XX/2020, my XXXX XXXX XXXX XXXX account was reported as a charge off, even though payments are being made through my chapter XXXX bankruptcy. On XX/XX/2020, Experian closed the dispute as information regarding the late payments were accurate. On XX/XX/2020, I opened a new dispute regarding the XXXX XXXX XXXX XXXX account being reported as a charge off. On XX/XX/2020, Experian closed the dispute and said the charge off was accurate. All of this information being reported to Experian is incorrect as the XXXX XXXX XXXX XXXX account is included in my bankruptcy.
Product: Checking or savings account

I attempted to open an account with Capital One. I tried to deposit my initial settlement check from SSI and my first monthly payment check. I waited for a week and got the debit card in the mail. I activated the card and was concerned that my available balance was XXXX, so I called them. The customer service girl told me that they had put a TWO MONTH hold on the checks and that they were fraudulent. I spoke with her supervisor who informed me that the checks were in review and that the funds were already disbursed according to the department of the treasury and didn't match the details on either of the checks. When I checked the site he directed me to the checks both checked out and were said to have been paid. I called back and was told that they are waiting for confirmation from the treasury dept. They have successfully scammed me out of XXXX bucks.
Product: Debt collection

In this case, Pinnacle Credit Services ( XXXX XXXX XXXX XXXX MN XXXX, representing their client XXXX XXXX, refused to acknowledge that I never had an account with XXXX and do not owe said telecom giant {$2500.00}. XXXX wrote back that the entry meets the requirements of the Fair Credit Reporting Act. However, that is impossible given that I never engaged their client and only had XXXX and it 's predecessor. Please assist in preventing them from collecting under a false premise.
Product: Bank account or service

I have been charged overdraft fee 's unwarranted by Comerica bank for XXXX unauthorized for $ XXXX.each resulting in fee 's of {$140.00} fee 's between XXXX XXXX and XXXX XXXX 2015 and was charged a continuous OD fee of {$6.00}. resulting from these withdrawals of overdrafts fee 's and caused XXXX more OD fees in this same period because of fee 's taken by the bank. Also have other transactions such as teller counter withdrawals of {$30.00} which I inquire balance before withdrawal and balance was $ XXXX.but the next day I received OD charge was told had a pending soft post the teller could n't access on her system therefore she gave the wrong info on my balance and allowed a withdrawal when funds really was n't available which cost me {$34.00}. I 've called to address this for the last XXXX and very little to no response from their escalation dept.to get this resolved
Product: Mortgage

Called Loancare in XX/XX/XXXX to be put in a XXXX month forbearance period. Called loancare XX/XX/XXXX and qualified for a partial claim. Company sent us paperwork to be filled out via XXXX  We sent paperwork back via XXXX. Had not heard anything back from the company until we received a letter on XX/XX/XXXX stating our home was going into foreclosure. Called loancare to see why this is happening. The company states the paperwork was not filled out correctly so they sent it back out and we never returned it. We never received the paperwork they are claiming was sent back to us.
Product: Checking or savings account

This bank charges fees on pending transactions. I've been charged XXXX in fees. I've had fees waived in the past, I explained with covid direct deposit is sometimes delayed or none. I always get the $ $ in same day b4 XXXX ... even if this is there policy to charge fees on pending transactions, I've begged and pleaded with this bank. I am 1 step away from living in my car. I lost my XXXX, my XXXX due to covid, I've been XXXX. I've been trying to stop the autopays ... the branch in town isn't friendly to XXXX ppl. I just would like a refund and then I'll close the account. I don't want anymore problems
Product: Credit card or prepaid card

Re : XXXX XXXX account # XXXX XXXX XXXX XXXX Synchrony bank Please note that all the below references are incorrectly charge as items have been return to XXXX an XXXX records show that refund credit to store card herein, But my account with you are still debit a copy of this email will be sent in writing to : Synchrony bank XXXX XXXX XXXX XXXX FL XXXX As well to the XXXX XXXX XXXX and Federal Trade commissionXXXX 

On XX/XX/XXXX ref # XXXX was transacted for {$84.00} Per XXXX : Return complete Your return is complete. Your refund has been issued. 
When will I get my refund? 
A refund will appear on your bank account or credit card statement within the next 7 days. 
You've already requested a return of this item Refund issued Solar Panel License Plate Frame Rear... 
{$110.00} refund issued on XX/XX/XXXX. 
Return received on : XX/XX/XXXX ** but I am still being charged for this purchased. 

Next item error charge for is Reference # XXXX Pyle Dash can review mirror charge of {$110.00} You've already requested a return of this item Refund issued {$110.00} refund issued on XX/XX/XXXX. 
Return received on : XX/XX/XXXX But I am still being charge for such item*** Next error charge is for reference # XXXX Introducing Blink Video Doorbell + Sync... 
Color : Black You've already requested a return of this item Refund issued {$59.00} refund issued on XX/XX/XXXX. 
Return received on : XX/XX/XXXX, XXXX Next error is reference # XXXX Item stocking stuffer the unique thing about this order it was cancel by seller and your still charging me for it Return received A refund will appear on your original payment method in XXXX business days. 
When will I get my refund? 
Your package is returning to XXXX because of one of the following reasons : Damaged in-transit, carrier could not locate your address, or refused by the recipient. 

Last item reference # XXXX Smart Video Doorbell,2.8 inch TFT LCD... 
You've already requested a return of this item RefunXXXX issued {$36.00} refund issued on XX/XX/XXXX. 
Return received on : XX/XX/XXXX Unable to load image Solar Panel License Plate Frame Rear... 
You've already requested a return of this item Refund issued {$110.00} refund issued on XX/XX/XXXX. 
Return received on : XX/XX/XXXX XXXX
Product: Debt or credit management

Wells Fargo is playing con games and is refusing to except the {$50000.00} Grant by the State of Pennsylvania. And is lying and trying to take my property despite mortgage payments being paid. But then lies by claiming that they never received the payments. And then are refusing to speak with me despite them receiving the authorization to do so. Please see the attachment. And then I gets a letter from XXXX XXXX by claiming that I didnt send any documents. However they never requested any documents from me. Then currently Ive paid over {$22000.00} to the Trustee and Wells Fargo. And this {$22000.00} would get me out of debt and foreclosure. However Wells Fargo is displaying racial and vindictive behavior and Ive been unable to reach XXXX XXXX. Then Im getting constant different amounts to whom whats due on the rear of the loan and by way of recorded conversation by the Preservation Department they stated {$22000.00}. However they lied and refused to send me the document confirming this. Then there was some Federal Criminal Forgery that was done by my Step Father XXXX XXXX but theyre covering up for him in which makes them guilty as well. Also since Ive already been approved for the mortgage assistance from the state of Pennsylvania. Why are they selfishly trying to get me to apply for a load modification in which will the rate would be much higher than it is now
Product: Mortgage

Honestly I think this a problem caused by both the credit reporting bureaus and BSI Financial Services  the mortgage company reporting to them I have tried to fix the problem with all of 3 credit bureaus and the mortgage company. I am literally in the middle of a new home purchase, In doing so I got credit reports in preparation to apply for financing. I found BSI Financial Services mistakenly reported my mortgage, which they serviced from XX/XX/XXXX to roughly XX/XX/XXXX as delinquent XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I reached out to BSI Financial XX/XX/XXXX with more than 15 pages of documentation.. SEE BSI FINANCIAL LETTER DATED XX/XX/XXXX , attached here, confirming they MISTAKENLY reported my loan delinquent in error for XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and would be correcting with credit bureaus "this month" (implying XX/XX/XXXX) I contacted credit reporting bureaus immediately - XXXX XXXX XXXX I was told that even though I had a letter from BSI that no correction or update on this could be made unless and until received DIRECTLY from BSI Financial. I wen back to BSI Financial many many times, by phone, fax and email. I learned eventually BSI submits to the credit bureau. Eventually I was told BSI had submitted tot he credit reporting bureaus XX/XX/XXXX, then changed to XX/XX/XXXX. I have contacted credit reporting agencies almost daily all say they have not received anything from BSI and BSI keeps insisting they have submitted the correction and that "there is nothing more we can do." In turn the credit reporting bureaus keep sending back to BSI saying they have no record of the correction and removal of these mistaken delinquencies. In desperation I finally submitted the BSI letter directly to the credit bureaus. Then was told If they hear nothing from BSI in 30 days matter will be resolved in my favor. By then I will have lost my attempt to apply for financing and my real estate purchase. Decisions on whether to approve a consumer for a loan application and at what interest rate and for what term all hinge on credit reports which for me currently reflect, in error, a major mortgage delinquency with BSI Financial
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following account : XXXX XXXX XXXX XXXX {$570.00}, XXXX XXXX XXXX {$1300.00}.
Product: Debt collection

IC System at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX has been sending me collection notices in the amount of {$2200.00}. This collection has been reported as past due balance. I have never done business with this company. This company does not have a contact with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

We desperately need to have our credit freeze lifted in order for a bank to give us a loan. 

We have tried NUMEROUS times to contact you. On XX/XX/XXXX we had gone on line to have the freeze lifted until XX/XX/XXXX. Thinking all was well, we found out it was never done. 

We tried again on XX/XX/XXXX. We could not get through via phone. An automated system came in. There was no way of connecting with a human. We wrote via email and pressed submit, only to have the same page come up. We tried to submit over and over again, but to no avail. 

PLEASE help us as we need to lift this freeze. It is imperative that this is done. 

I would rather not put my PIN number on this email for obvious reasons. I can be contacted at XXXX, XXXX, XXXX Thank you in advance for helping us with this extremely frustrating issue!! 

XXXX XXXX. 

Sent from my XXXX
Product: Credit card or prepaid card

I received a letter dated XX/XX/XXXX from my XXXX XXXX XXXX XXXXssued through Citizens bank. 
In this letter i was informed that your agency made a ruling that allows them to change my fix interest rate credit card to a variable interest rate. I've had this card since XXXX and have an interest rate of 7.74 %. they are now informing me that this rule is discontinuing the use of the XXXX index so now they will be using the prime rate. So as I understand it my interest rate is now a variable rate which will obviously go up now that the prime rate is going up. I did call the credit card company and the rep said that it is CFPB that is responsible for this change. How is this possible? I thought you were supposed to an advocate for the public. Please explain how this can happen. 

At the end of this claim I put Citizens bank but I hope you revue this first because if the CFPB has made a ruling that allows credit card companies to make this change then my problem is with the CFPB as the CC companies are just taking advantage of a ruling you made in their favor.
Product: Credit reporting or other personal consumer reports

filed a dispute for inaccurate information on my credit report, but I received an email from the credit bureau claiming that they assume the disputes are coming from a third party. In reality, the disputes were submitted by me directly. I even called them to confirm my identity, but they still refused to process my disputes. This situation has been very frustrating, as I spent money mailing my disputes and sent personal information through the mail to verify my identityonly for them to fail to thoroughly investigate the matter.
Product: Debt collection

I have lived at the same address in XXXX since XXXX XXXX. Without my knowledge, XXXX Bank sent a bank card to a post office box XXXX on or about XXXX XXXX. The bank card was attached to my bank accounts. At the time I had roughly {$4500.00} in my savings and checking combined. The total amount in those accounts remained the same for over XXXX-6 years. In less than 6 weeks or so, both my checking and my savings accounts were drained and XXXX Bank had allowed and additonal {$4000.00} to in reserve to be stolen as well. Additionally, the address on my accounts was changed therefore, I was not aware that there was unauthorized activity on my accounts until I received a phone call in late XXXX XXXX from XXXX Bank requesting that I make arrangements to pay on the over drafted accounts. I immediately phone XXXX Bank Customer Service to file a fraud report. I was told that I could not file a fraud complaint and that only the person that used the card could do so. After numerous phone calls and written requests that I be allowed to file a complaint, I finally was directed to a district manager who again refused to allow me to file a fraud complaint. XXXX Bank further refused to replace my savings and checking account. As a result of their error, my credit rating has been lowered from XXXX to XXXX. I am totally disappointed and desperately need help. Not only did XXXX Bank allow my savings to be drained, they are ruining my hard earned credit rating due to the fact that they did not protect my accounts nor did they notify me so that I my protect my self. I have received numerous harrassing phone calls on my cell phone and home phone usually between the hours of XXXX XXXX. I am a XXXX XXXX XXXX retired XXXX XXXX veteran, I am devastated by this company and its dismissal of attempting to right this wrong. NOTE : I filed a dispute with XXXX yet this matter remains unresolved. Also contacted the XXXX police department.
Product: Debt collection

Company keeps calling saying I damaged a utility but I did not. Theyre trying to invoice me for the repair. Ive never signed or accepted anything for such a ridiculous claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX, Experian credit reports. Are wrong. Address and accounts I never opened. I know accounts. I am a victim of identity theft. Accounts open by someone posing as me. These accounts are not mine. XXXX XXXX XXXX, XXXX amount of XXXX. XXXX XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX   XXXX amount of XXXX. Joint account with a person I dont know never lived in Florida till XX/XX/2017!! 2 accounts from the same company first fraud account XXXX XXXX XXXX amount of XXXX. 2nd fraud account XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX amount of XXXX. These accounts I never opened someone posed as me to open these accounts! This is identity theft fraud fake!! Not mine!!
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/2023 I sent certificate letter to credit companies About XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022, there was a checked that I mobile deposited in the amount of {$4000.00} from a customer who paid for work rendered. The bank stated the money wasn't debited into my account and send out a letter to confirm that. The customer later stated she had paid us in full and that the check had came back for insufficient funds but Wells Fargo debited the check again in which it went through, but Wells Fargo stated in the letter it didn't. Later a lawsuit was filed and mediation was done, but we couldn't come up with a resolution on the case so had to go to court for trial. The XXXX decided because we're goin to trial she wants {$9500.00} for lawyer fees and lawsuit. As trial was going on the judge noticed the check wasn't endorsed and asked if we can talk to our bank about the check being mobile deposited without endorsement. The XXXX in the case agreed to settle out for {$4900.00} seeing that it was a error on the bank. Wells Fargo is denying they made a mistake and refuse to pay out for misleading information provided.
Product: Mortgage

In the first week of XX/XX/2018 I received a note that my bank, BankUnited in XXXX, Florida, transferred ownership of my mortgage loan to a different service provider. In the letter I received, I was told that I had 30 days by federal law ( from day of notice of transfer ) during which I could send the original payment to the original bank and they would be obligated to forward it to the new loan holder and without incurring any late fees. BankUnited, however, refused to accept the payment in violation of federal law. I then called their helpline and both the person who answered the phone and supervising manager told me that they were under no federal obligation to receive the check and could also not tell me where to send the payment to. After the call, I researched the aforementioned law and found that BankUnited has in fact ran afoul of the law by refusing to accept my payment during the statutory allowed period. Today is only XX/XX/XXXX, meaning I am still within my rights.
Product: Debt collection

On XXXX, XXXX 2022, Solverity XXXX add a derogatory mark on my credit report per XXXX and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ACCOUNTS XXXX has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Innovis has a bankruptcy on my credit profile XXXX that is not verifiable. The address they have on file state XXXX XXXX XXXX XXXX # XXXX but I sent a letter to this creditor and the response came back as they do don't verify bankruptcy non do they report them to the credit bureaus. I am now asking hat any and all bankrupcty be removed from my credit profile because uneer the FCRA the address to the credit must be accurate and verifiable. as you can see my the letter i am sending this is not the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have an account with XXXX XXXX XXXX for XXXX with XXXX. XXXX are charging me with giving back the equipment which I already did. I have my recent and XXXX still has n't changed the information. This account should have never been on my credit report and I 'm requesting removal.