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

XXXX ACCT : XXXX XXXX XXXX I opened an account with XXXX, which turned out to be a HUGE mistake, a XXXX XXXX ago. I had a garnishment about to reach my old acct and wanted to remove the money quickly. I couldn't link a bank to XXXX to do wire transfers so I deposited XXXX checks for XXXX and XXXX. Immediately I had the deposits held for XXXX days. No big deal for a few days because I didn't have a debit card and just needed to move the money to new acct. The XXXX cleared. The XXXX did not because I couldn't keep waiting for XXXX to extend holds wk to wk to wk. I was locked out of my acct with the XXXX still in it. I was told I was a " fraud '' and I had to talk to the fraud department. This is my money in the acct. My deposits. From my own account elsewhere! I talked to fraud, explained things and they still told me I had to physically go to branch and sign a bunch of affidavits and statements like I had committed crime... with MY money! I will not do that and if my money in the acct isn't accessible within XXXX  days, I will sue XXXX over XXXX. Trust me. I've sued for less. I will report them to the XXXX and anything else I can think of. After being accused a fraud with my own money I won't be doing business with XXXX and I won't be going into a branch. The money needs to be returned immediately. XXXX needs to unlock access so I can transfer the Money out. I'm not messing around with this anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked numerous of times for my credit report to be corrected. We are in court for foreclosure but Fifth Third Bank is not cooperating with XXXX to prevent foreclosure on my townhome. I am unable to obtain a loan as Fifth Third Bank has put a foreclosure on my credit report. The judge has not ruled in this case. My credit report should not reflect a foreclosure. By the foreclosure being on my credit report I can not purchase inventory for my business. My business is now suffering. This is retaliation for me fighting for my rights. Fifth Third Bank was notified in XX/XX/2022 I was using XXXX to bring my mortgage up to date. In XX/XX/2022 I was served with a summons for foreclosure with fake documents. The note and promissory note I received was not signed off by Fifth Third Bank. This kind of behavior is not in the best interest of the public. How many other cucumbers are going through this?
Product: Checking or savings account

I filing a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged late fees and returned check fees due to lagged posting of charges and credits. This issue aligned with the CFPB findings against Navy Federal Credit Union for similar practices. I believe these were unfair and request an investigation into the account Ive had since XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is XX/XX/XXXX for the record, and On XX/XX/XXXX Equifax received my dispute for an error on my credit report. I had already tried disputing this item 2 or 3 times in the past year or so before that and they insisted the information was accurate. This time i have not received any updates or information and when i check the website it is still listed as pending investigation, with an estimated completion date of XX/XX/XXXX. It has been almost AN ENTIRE YEAR. This account in error is one that isn't even mine, it is my mom 's who shares the same name as me and attended the same doctor 's office. The files obviously got mixed up, as at the time i was on state govenrment health insurance and would have not had any out of pocket medical bills. The collection company sent us a an overview of the testing that was billed, and they were all tests run quarterly for my mother 's health conditions. However i have not received any communication from Equifax. The result of the pending investigation is that my credit report is no longer accurate, it reflects higher balances on loans and cards that i have been paying for 10 MONTHS, as well as damaging my credit score i have worked so hard to build. This is completely irresponsible and reprehensible.
Product: Credit card or prepaid card

I paid {$7200.00} for a XXXX  XXXX fee which included {$2100.00} for post operative care. 

I had the XXXX on XX/XX/22 and needed urgent post operative care on XX/XX/22. However the doctors phone was dead and his answering service was unable to reach him. The Doctor failed to have a back up doctor on call in case of his absence. 

Therefore, I had to seek post operative care at the emergency room and was billed by the emergency room accordingly. Therefore, I paid {$2100.00} upfront for post operative services the doctor did not provide and requested a chargeback on such amount. 

The Doctor is blowing smoke screens saying I signed the terms and conditions for the XXXX and accepted the risk of complications. I do not disagree, however these points were not the issue of my charge back. My chargeback is centered on the Doctor not providing timely and reasonable care to address such complications and failing to provide adequate post operative care which was paid for but not received. 

XXXX seem to have a difficult time understanding such.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified letter to TransUnion disputing the accuracy of account XXXX XXXX # XXXX and indicated to them I had no knowledge of this account. I asked for the removal of the account since I did not recognize it. I also disputed the accuracy of account XXXX XXXX # XXXX and asked for verification that it was mine or remove it from my consumer credit file. I also disputed the accuracy of account XXXX XXXX # XXXX since it is inaccurately reporting. This account is showing a Date Last Active of XX/XX/XXXX, XXXX shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. It is also showing a Date of Last Payment of XX/XX/XXXX, XXXX shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. How can this information be different when it is being provided by the same lender/creditor/collection agency ? Lastly, I disputed the accuracy of account XXXX XXXX # XXXX I asked them for verification that this account was mine. Additionally, the account is showing a Date Last Active of XX/XX/XXXX, XXXX shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. This violates the FCRA since all credit reporting agencies must report only accurate and factual information. Furthermore, TransUnion has violated my consumer rights by not conducting a proper investigation and getting back to me within 30 days. Please see attached tracking information showing date certified letter was sent and received. They received the letter on XX/XX/XXXX at XXXX am. Today is XX/XX/XXXX and have yet to get their response.. I ask that all disputed item be removed from my credit file immediately as a result of this violation. Furthermore, I am also attaching my identity theft report which includes the disputed account from XXXX XXXX XXXX, XXXX which is a result of fraud since I did no authorize such account.
Product: Mortgage

From : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXPhone : ( XXXX ) XXXXEmail : XXXXXXXXXXXX XXXX XXXX XXXX XXXX Loan Number : XXXXTo : XXXX XXXX Executive Response TeamRegarding : Illegal Tactic of ForeclosureXXXX XX/XX/XXXX XXXX XXXX XXXX send me a letter stating they will be the new owners of my loan instead XXXX. The servicer of the loan is PHH Mortgage XXXX. As you can see in the Notice of Trustee 's Sale XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX does not exist only your name. 
This is to inform you that PHH Mortgage services with other mortgages companies listed below are trying to foreclose o my house. Sale date is set XX/XX/XXXX. 
In the attachments you will see the monthly statement I receive has your name on it not all those other banks listed below. 
I 'm requesting you to supply me the following documents please : California Homeowners Bill of Rights, Mortgage in General-California Civil Code : XXXX and all other Civil Codes that applies. 
1 ) Copy of the Note2 ) Deed of Trust3 ) Assignment of Mortgage4 ) Substitution of Trustee5 ) Notice of Intent to foreclose6 ) Notice of Trustee 's Sale for XXXX ) Wet Signature because of ROBO SIGNING8 ) The Letter Fair Debt Collection Practice Act ( FDCPA ) 9 ) Explain Secularized Loan10 ) Explain XXXX involvement11 ) Explain XXXX XXXX involvement12 ) Explain XXXX XXXX Bank involvement13 XXXX Explain XXXX Bank XXXX involvement14 ) Explain XXXX XXXX XXXX involvement15 XXXX Explain Mortgage Electronic Registration System involvementTime is of the essence
Product: Credit reporting

my phone was stolen by a FORMER friend, who used my identity.I WAS TOTALLY UNAWARE OF THIS COLLECTION UNTIL I TRIED TO GET A CAR THIS MONTH.
Product: Student loan

I have been working with XXXX XXXX XXXX for a year now. I am trying to apply for the XXXX ( XXXX XXXX XXXX XXXX ). I have been denied for numerous reasons at least XXXX  times in the past year. The reasons I have been denied have been untruthful in my opinion. I have been denied because they have said that certain boxes have not been checked or there were missing signatures - all of which are false because I have the copies of the documents that were either mailed or uploaded. I have called and talked to numerous people about the next steps to take. All of the answers are different and varying. I waited on hold for a manager for over an hour a few months ago to try to finally get some clear direction. I qualify for the XXXX. I have been a XXXX for over XXXX years in qualifying schools. I feel they are trying everything they can to just frustrate me and string me along with these " fake '' problems with my paperwork to just get me to a point where I give up. I have given up a couple times only to come back a couple months later to reapply, submitting sometimes the exact same paperwork as before. In doing this they find a slew of different things that are wrong with it and why I do not qualify for the forgiveness. The paperwork I submit is only good for a certain amount of time. By the time I resubmit the paperwork where they have found an issue that isn't really there - it has been expired and I need to get it filled out again by my HR department at my current XXXX  and the other XXXX XXXX  I worked for before. This takes time and of course it's difficult to get paperwork from a XXXX that you no longer work for - especially XXXX times. I currently have about XXXX different reasons of why I have been denied in my inbox with XXXX XXXX XXXX. All of which are not valid. I have never once been late in XXXX years paying my student loan payment so there are no issues with that. They are also trying to say that the current XXXX  I am employed with does not qualify under this program because my paycheck is signed by my corporate company - however, I actually work and perform my duties in a XXXX XXXX XXXX and am in fact paid strictly out of XXXX XXXX funds. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, The following account was never late. Please update or remove from my account. Thank you. 
XXXX Account # XXXX The following account is not mine. Please update or remove from my account. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX Ref # XXXX
Product: Money transfer, virtual currency, or money service

During the period of XX/XX/XXXX-XX/XX/XXXX, my checking/saving/select credit Accounts in HSBC were used for the following unauthorized transactions : {$4900.00} ( XX/XX/XXXX - wire transfer from checking ) {$4000.00} ( XX/XX/XXXX - wire transfer from checking, already credited back on XXXX ) {$5000.00} ( XX/XX/XXXX - wire transfer from saving ) {$8600.00} ( XX/XX/XXXX - wire transfer from saving, already credited back on XXXX ) {$2400.00} ( XXXX - electronic transfer from checking ) {$2400.00} ( XXXX - electronic transfer from checking ) The hacker also transferred {$4500.00} from the select credit account to my checking on XX/XX/XXXX in order to facilitate some of these unauthorized transactions. 

Origin : The E-fraud prevention team from HSBC bank called me on XX/XX/XXXX and wanted me to confirm some recent online activities on my accounts. I missed their phone call initially so I tried to call back that afternoon but the wait time is too long. I finally managed to call them back next morning on XXXX. The representative informed me my accounts was compromised. He went through the unauthorized transactions with me and said only the transaction of {$4000.00} can be recalled immediately and for the rest they will investigate and get back to me in a few days. 

Couple days later I am able to see one transaction ( {$8600.00} ) credited back to my account. I called them for a status on the remaining transactions and they are still working on that. That representative said it would take a maximum of 10 days to get me a final response otherwise will credit full amount back to my accounts. 

On XXXX, I sent a formal letter to HSBC headquarter in XXXX XXXX XXXXXXXX to notify them that I am a victim of identity theft and never authorize anyone else to use my accounts in any way. This is to protect me in case the bank said I never contact them in written statement about the matter. 

Afterward I called them a couple of times on XXXX, XX/XX/XXXX and XX/XX/XXXX to get a status for the remaining transactions, and every time I was told I need to wait few more days to finish their investigation. The last time we spoke on XX/XX/XXXX, they said they need 8-10 more business days to investigate!

Note : Attached is the formal letter I sent to HSBC headquarter using certified mail. The reference number of the case they opened for investigation is : XXXX - XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about violations of the Fair Credit Reporting Act ( FCRA ), specifically sections 15 USC 1681b regarding the inaccurate information presently reporting on my consumer report. 
As a consumer, I am protected under the FCRA, which mandates that consumer reporting agencies, such as [ Equifax ], must maintain accurate and up-to-date information on consumers ' credit reports. However, despite my efforts to dispute the inaccuracies on my credit report in accordance with the FCRA, [ Equifax ] has failed to take appropriate action. 
Therefore, I demand that [ Equifax ] immediately correct the inaccurate information on my credit report and ensure compliance with the FCRA. Furthermore, I am entitled to seek remedy for each violation committed under the FCRA, as specified in the law.
Product: Debt collection

LVNV Funding is reporting a collection on my credit report that is a result of Identity theft. I have sent letters to them and let them know about this on several ocassions and they are still reporting this account on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXXXXXX 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 XXXXXXXX Balance XXXX {$860.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$890.00}, XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX Balance : {$290.00}, XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00}, XXXXXXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$100.00}, XXXXXXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$240.00}, XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$74.00}, Medical XXXXBalance : {$200.00}, Medical XXXX Balance : {$31.00}, Medical XXXX Balance : {$540.00}, 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all XXXX bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX Account Number : [ XXXX Reason : [ NEED IT REMOVE ASAP & THERES A HARD INQUIRY OF THIS COMP PLEASE ALSO REMOVE. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX
Product: Debt or credit management

I enrolled in a debt relief program through a company called Deuda Cero in XX/XX/year>. The funds were managed by XXXX ( XXXX XXXX, XXXX ). I deposited a total of {$1200.00} into the account. However, none of the money was ever paid to my creditors. 

FORTH only refunded {$480.00} and claimed that Deuda Cero kept over {$700.00} in fees, despite never providing a breakdown or evidence of services rendered. I did not authorize these charges and was never informed clearly about how fees would be applied. I have attempted to contact Deuda Cero, but they have not responded, and my bank confirmed no contact has been made. 

I am requesting a full refund of the amount withheld and an investigation into these practices, as this has negatively affected my financial situation and credit.
Product: Debt collection

Hello this is XXXX XXXX Ive recently been hit with a collections account on my credit report from AMSHERCOLLECTIONSERVICES Ive disputed multiple time and it has not been taken off my Credit File Report, they are not reporting the correct information onto my File.
Product: Debt collection

This is compliant in regards to debt collection for a balance from a XXXX XXXX. The XXXX agreement was processed on XXXX service charges Everything Data {$19.00} Premium Data {$10.00}. Total estimated monthly service charge $ XXXX have attached the contract. 
From XX/XX/XXXX until termination of the contract XX/XX/XXXX I was charge the {$10.00} Premium Data Fee over and above my monthly service charge. Please see attached sample of XXXX of the monthly billingFrom XX/XX/XXXX until termination of the contract XX/XX/XXXX I was charge {$99.00} a month for the monthly service charge. Please see attached sample of XXXX of the monthly billings. 
I was also charge late fees over the course of the billing period, please take note that when a consumer signs up for a certain amount ever month and you bill {$80.00} dollars above that every month the consumer may find it difficult to pay that bill. 
Also I would like a refund for the early cancelation of contract because the contract was never establish or maintain at the rate agreed upon.
Product: Credit card or prepaid card

I had a XXXX  dollar balance on my card. I tried to use it at a merchant XXXX   XXXX. Despite the balance, Square cash illegally denied me access to my funds and denied my transaction 3 times for XXXX dollars. 

I complained to customer care who came back with a lie that the merchant doesnt allow visa cards. this is obviously a lie for multiple reasons : 1. My friend eventually used a square card. 
2. The decline was from Square cash and NOT the merchant as I can see the decline in the app without any reason. 

The customer care agent after copy pasting the same response once stopped responding. This is close to my friend 's experience who once had an issue and due to inept customer service stopped trying to resolve her issue.
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. 


XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX OF XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX. 


Account name XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX  Account number XXXX Closed Account info Account name XXXX Account number XXXX Account name XXXX Account number XXXX XXXX Account number XXXX XXXXXXXX XXXX  Account number XXXX 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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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

Frontline Asset continues to call various family members of mine trying to reach me regarding some debt that I do not owe. I have been a victim of identity theft. I have had to freeze credit bureaus, place fraud alerts on my credit, and the list goes on to protect my credit. I am not verify any information or giving them information about me that is fraudulent. I am needing them to close this account, cease calling family members and friends about an erroneous debt that I do not owe. I have already contacted an attorney about this matter as well to see what can be done. I am needing them to cease all communication efforts as well and again, close the account immediately. I am not providing a Drivers License or anything. I am attaching the police report showing fraudulent activity. That is it.