23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My husband, XXXX XXXX XXXX and I have a joint credit card with Capital One and have for almost 10 years. My husband is primary holder and I am authorized user.

For the past two weeks I have had to call and cancel my credit card for fraudulent charges. I am now on my fourth card and I have to cancel it yet again.

Two weeks ago, we began seeing several charges in the name of " XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ''. these charges varied between {$.00}, {$1.00} or {$3.00}. As of today, XX/XX/20, I have over 100 of  these charges on our account. I have been able to research that these transactions are through either XXXX XXXX and/or XXXX XXXX, both of which I do not have and have never had. We have XXXX phones and do not even use XXXX. While I do have a XXXX personal email account, I have confirmed on my XXXX account that there NO cards linked to my account. 

My issue : Each time we have called to dispute and stop these from reoccurring, we receive the run around and that it is OUR fault this is happening and there is nothing they can do. Yes, the disputes are resolved and charges are reversed and I receive a new card. But upon IMMEDIATELY activating the new card, these charges start again!

The last two times I have called within the past week, I have specifically asked to be REMOVED from the Visa auto updater feature as I know this is how it is happening. I know that the card issuer can control my card information being fed through the auto updater for any merchant that also participates. I am told that they are not able to do this and that I have to stop it with the merchant. I don't know what merchant is doing this! I am then told that I can go online and see which merchants have my card for automatic payments, this shows nothing! this past Friday night I called AGAIN for pending transactions trying to come through and I was told that they WON'T hit my account because they are trying to come through on my previous card and to not worry. Well, as of XX/XX/20, those charges went through! and today, XX/XX/20, I have 20 more transactions even though I locked my card! yesterday, XX/XX/20, I called again and asked to speak with a supervisor. after the run around I demanded that my request to be removed from the VIsa auto updater be honored as I know they control this based on Visa 's website ( and I work in regulatory banking ) or I am filing a complaint with the CFPB. the supervisor said that she would submit my request and it would take 10-15 business days. this is unacceptable to take this long! and I was told she blocked the merchant so the charges wont hit. well they still did!
Product: Debt collection

I contacted XXXX XXXX and they said the only bill I had with them I paid/settled last year and I dont owe them anything. I have no idea what bill these people are talking about when I have NO medical debt at all. I will also be contacting attorney general and filing complaints.
Product: Credit card or prepaid card

I had received an offer in the form of checks which I didn't use before the expiration date. However on the offer it said I could use them but that the offer rate may not apply. 

On XX/XX/XXXX or XXXX I specifically called to question whether I could use the check and the agent said I could use XXXX to pay off an amount of {$2300.00} on a purchase. This merchant would not take a credit card only a check. I was told I could use it but I wouldn't get the promotional rate so I used it. This check was sent and it was paid on XXXX XXXX XXXX 

Then on Friday XX/XX/XXXX I received a letter from Citizens Bank that the check was returned as a stale dated check. 

I called Citizens on Sunday XX/XX/XXXX to complain and all they did was apologize that the agent was just a trainee! I am furious and embarrassed that this happened.
Product: Credit reporting or other personal consumer reports

I am writing once again to dispute the account appearing on my credit report. As I mentioned previously, I have been a victim of identity theft, resulting in several fraudulent account being opened in my name without my knowledge. While the bank has acknowledged this account as fraudulent and agreed to remove it from my credit report after I submitted the required FTC report, I have noticed that your bureau continues to report them, despite their approval. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove this fraudulent account, you are not fulfilling this obligation and are exposing me to further harm. 

XXXX XXXX
Product: Debt collection

XXXX offers guaranteed services for both treatment of lawns and shrubs as is shown on their web page ( Is my XXXX XXXX and XXXX service guaranteed? 
Yes. Customers benefit from our XXXX XXXX, which means we will gladly re-visit your property between scheduled visits at no additional cost to make necessary adjustments to deliver quality results for your trees and shrubs. ). On XX/XX/2023, I requested a callback service according to the XXXX XXXX for XXXX of my shrubs, XXXX billed me. After I canceled my service on XX/XX/2023, XXXX still treated my shrubs and billed me. They have now employed a collection agency to collect the amounts that I do not owe them. In the meantime, the shrub is blighted as XXXX admitted since XX/XX/2023, and up to XX/XX/2023. In short, I do not owe XXXX {$160.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00}, and XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance : {$19000.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I am an elderly man with resources. I have employed business managers and worked with personal bankers to insure my affairs are not out of order. However even though I have done my very best to insure that i am insulated from mistakes that can occur, one can not completely protect themselves from mishaps or fraudulent activity. The late payment appearing on my Chase credit card account is not my fault it is the result of both a mishap and fraud.
Product: Money transfer, virtual currency, or money service

My have been removed to many times to count on my fingers for random purchases
Product: Checking or savings account

On XX/XX/XXXX, I fell victim into letting someone have access to my Chase bank account on the promise of them helping me financially. They tricked me by giving me bank account info to use for payments to make it more believable. When they got into my account, they made claims from purchases I made in XXXX with XXXX of them being my electric bill from what I was told. They also made deposits in the account with checks but I'm not sure if they were legit or not since they wouldn't tell me. They eventually tried taking over my account by removing my phone number, which immediately caused my account to become locked and restricted. The restriction was noted as fraud and I was told that my account would be forced closed within XXXX business days. Before all this happened, I had - {$2.00} in my account so I didn't have much in my account. I was supposed to get paid that same week and this happened the day before. I let my payer know of the situation and they told me that my paycheck had already been sent to my Chase account which I no longer had access to. I called them and asked what's gon na happen to it and they told me it would be delayed by XXXX business days. I went to an in-branch location to try and see what was going on in my account because I kept getting overdraft alerts and nobody would tell me over the phone and there they told me my paycheck was rejected so it would send the funds back to my payer. I spent days waiting just for my payer to say they never got any funds because it wasn't officially rejected which led to another phone call to Chase. I was told that they did get my paycheck of {$510.00} on XX/XX/XXXX and there wasn't anything I could do other than wait until they close the account for me to receive the funds in a check. They also told me they wouldn't do anything with my paycheck. This morning I received an overdraft alert which means they've been using my paycheck for something. Every time I call them, nobody wants to help me because my account has that fraud restriction on it, even though it wasn't my fault.
Product: Checking or savings account

I received a statement from TD Bank about a checking account that was opened online with my information. I spoke to the fraud department and stated that I never opened up this account # XXXX and I needed this to be closed ASAP. As of XX/XX/2021 I still continue to receive bank statements and they are being sent to my address. I am extremely frustrated that my name was stolen and the bank has not helped me.
Product: Mortgage

We took out a loan with XXXX XXXX for home improvements on a property my Dad left me when he died in late XX/XX/XXXX. The loan was subsequently sold off to NewRez. 

Starting in XX/XX/XXXX, NewRez started threatening to purchase home insurance on the property if we did not furnish proof of insurance. I immediately provided our current proof of insurance. Their next letter was that they required proof of insurance going back to XX/XX/XXXX thru XX/XX/XXXX. We had changed insurance companies since that time and I had pitched those past records so I requested a Letter of Experience from our old insurance company which I then provided to them ( showed we were covered from XX/XX/XXXX thru XX/XX/XXXX ). 

I called and they said that was not enough proof. I was able to get my hands on my original insurance certificates from my lender and uploaded them as well as all other insurance docs showing proof of insurance from the day one of ownership in XX/XX/XXXX. Received a form this weekend ( XX/XX/XXXX ) stating they purchased {$980.00} insurance for us and set up an escrow account which has a balance of - {$980.00} and stating that our payment will go up almost XXXX XXXX/month because of it.
Product: Mortgage

I received a statement dated XX/XX/2020 indicating that I have an escrow shortage of {$7200.00}. This is an error, because my servicer mistakenly paid my property taxes twice. On XX/XX/2020 they made a disbursement for " City/County/School/Utility '' taxes of {$6900.00}. And on XX/XX/2020 there was an additional escrow disbursement of {$6900.00}, triggering a negative escrow balance. Please see the uploaded attachment ( with word " documentation '' in file name ) for evidence of this double payment. 

On XX/XX/2020 I reached out to my servicer via their online messaging portal to inform them of the error and ask that they fix it. On XX/XX/2020 I received a response informing me that they are waiting for the City to issue a tax refund. A copy of that communication is attached. 

On XX/XX/2020 I noticed that the servicer still had not corrected the issue, and in fact, they had increased my monthly mortgage payment ( effective with the XX/XX/2020 payment ) by about {$500.00} to begin chipping away at the alleged escrow deficiency. I contacted them on that day via their online portal to ask a representative to speak with me. A copy of that communication is attached. A representative contacted me by phone on XX/XX/2020. The servicer acknowledged the error but informed me that an escrow deficit will remain until they are credited back the payment by the City. 

Unfortunately, the City of XXXX 's Department of Revenue is closed because of the Coronavirus crisis, so presumably no payment is coming. I insisted to the servicer that this is their error and therefore I should not have to make a higher monthly payment. However, the servicer representative insisted that the company was unwilling and unable to credit my escrow account by the amount they had overpaid, insisting that they wait for the City to reimburse, and in the meantime treating this as a deficient escrow account.

After speaking to her manager, the representative informed me that she was authorized to accept a partial payment for my mortgage, and that I could proceed with that partial payment. I requested that I receive a written notice indicating that I was allowed to make that partial payment and that it would not impact my credit report or my loan payment status. The representative agreed that a document would be provided and posted within a day or so. That was on XX/XX/2020. It is not XX/XX/2020, and no such documentation has been posted, and my minimum payment online still is reflected as about {$500.00} more than I should owe. 

I think it is egregious that the servicer has increased my monthly payment as a result of their own error. They have not been sufficiently responsive to help me work through this. I understand that this is a very challenging time for mortgage servicers, but it is unacceptable to expect a borrower to to pay additional funds to mitigate the servicer 's own error.
Product: Checking or savings account

This matter concerns transfer of an XXXX XXXX XXXX  at ALLY BANK to the primary beneficiary ( XXXX XXXX ). 

My sister ( XXXX XXXX ) died XX/XX/XXXX. Ally Bank sent forms for the transfer of the IRA account, all of which were promptly completed and returned on XX/XX/XXXX. On XX/XX/XXXX, Ally stated it had all forms required and the transfer would take " XXXX business days '' to accomplish. On XX/XX/XXXX, I followed up by phone call, and Ally Bank claimed not to have XXXX page of the forms ; I provided it that day, and Ally Bank acknowledged I provided it that day. Again, Ally Bank promised to execute the transfer in " XXXX business days. '' I called again on XX/XX/XXXX and again confirmed Ally Bank had the forms they required ; again, I was told " XXXX business days. '' On XX/XX/XXXX, I again called to check status and the Ally rep ( XXXX ) at first claimed a form still was missing, then admitted that Ally had the form and no action had been taken. She said she was told to tell me that the matter would be " escalated '' and that it would be handled probably within " XXXX business days. '' Ally Bank has not acted expeditiously on a simple, straightforward request to transfer an XXXX XXXX XXXX. Each time I call them, I am given a profusion of faulty information as to why. I have no confidence that Ally Bank will act on this matter without CFPB involvement.
Product: Debt collection

Acct # : XXXX Dear XXXX XXXX XXXX, I have received a Medical collection letter from you regarding a debt in the amount of {$180.00}. Though the letter is dated XX/XX/XXXX, I have only received it in XXXX and by XX/XX/XXXX it was already added to my credit report which has  grossly damaged my credit. The letter that you provided was the first letter of it's kind that I received from you and I did not have enough time to accurately verified if the debt is legitimate. I did not know of this debt before nor did I received any information about this debt until now. {$180.00} is a such a small amount and could have welcome the opportunity to resolve the matter before damaging my credit.
Product: Checking or savings account

-XXXX I opened a brokerage account with Merrill Lynch, containing stocks and cash.
-This account has been accruing since then XX/XX/XXXX I received a letter from Bank of America Merrill Lynch stating that this account is in danger of being transferred to the State of Florida as Unclaimed Property, unless they receive documentation, not in my possession, by mail before XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the following dates, I wrote and sent letters to the XXXX major bureaus ( XXXX, Equifax, and XXXX ). I received no correspondence from Equifax or XXXX, but XXXX did send me a stall letter, after the XXXX days they are allowed by law, claiming they felt I did not right the previous letters but instead used a company to do so on my behalf. They have sent me this letter multiple times in which I have responded to them that I am the person sending the letters and have included my driver 's license with each letter. The other XXXX bureaus, Equifax and XXXX, just have not responded to my claims, they have not corrected any inaccurate information on my credit reports, or provided me with any proof of accuracy. XXXX hasn't corrected any errors or provided any proof of accuracies either. Please note the dates below that I have sent all XXXX bureaus requesting to investigate negative/inaccurate information on my credit reports. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I will be sending them letters again today demanding they do what is legally required of them by law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX total XXXX, XXXX XXXX  total XXXX XXXX total XXXX XXXX total XXXX. 
Citi total XXXX Dispute those accounts under the two acts below 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) And 15 U.S.C. 1681s-2 ( a ) ( 3 )
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiries nor to view my credit report. In addition I did not give you ( Credit Reporting Agency ) permission to furnish this incorrect information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 
These inquiries that are now reporting via my credit monitoring service are UNauthorized : XXXX XXXX XXXX XXXX XXXX I appreciate all efforts given to remove these errors from my report. I have also submitted a FTC report and will attach here. Blessings to all concerned!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding XXXX Transunion stated that my complaint 's proper date of resolution should be in XX/XX/XXXX, I have proof that this issue should have been resolved on XX/XX/2018. Transunion made a material misrepresentation in it's reply to this agency 's inquiry. I have now been waiting two months on the review of my claims that Transunion is reporting a usury account in violation of NYS law. I have enclosed proof that Transunion received and acknowledged my complain on XX/XX/2018, additionally ; company has acknowledged receipt on past CFPB complaints
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 Company report to dispute : XXXX XXXX Re : Dispute of Account Reporting Violations - Account Number : XXXX To Whom It May Concern, I am writing to dispute the information reported on my credit report regarding the account with account number XXXX. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), it is explicitly stated that a consumer reporting agency can not furnish an account without my written instruction.

Furthermore, I would like to bring to your attention the violation of 15 U.S.C. 1666b, which prohibits a creditor from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose without a valid reason. 

It has come to my attention that XXXX has reported inaccurate information regarding the account in question, which has had a detrimental impact on my credit score and financial well-being. I have not provided written authorization for this account to be reported, and there is no valid reason for the late payment designation. 

I kindly request that you investigate this matter promptly and correct the inaccuracies in my credit report by removing the account XXXX Please provide written confirmation of this dispute resolution, and ensure that any future reporting complies with federal regulations. 

Failure to rectify this situation may result in legal action to protect my rights under the FCRA. I trust that XXXX will address this matter promptly and efficiently, adhering to the legal requirements outlined in the FCRA. 

I appreciate your prompt attention to this matter and look forward to the swift resolution of this dispute. Please feel free to contact me at Phone Number XXXX or XXXX if you require any further information or clarification. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I as the original creditor, the banks did not give me any notice that i can rescind or let me know we have the option to not let them report this on my credit report neither. 15 usc 6802 ( a ) opt out general a b & c. By law, insurance supposed to be included in all mortgages and car loans, 15 usc 1605 ( a ) # 5. Its against the law for banks to lend its credits anyway. Farmers & miners bank v. Bluefield Nat 'l bank 11 f 2d 83, 271 us 669. Their are many more violations. The banks have been getting away with it far too long now & they think we the consumers wont catch up with their financial fraud schemes. It's called promissory fraud. There is no money : read hJr 192. Every bill you get comes in a positive. They owe you when its in a negative. Everything is already paid for before you even signed anything. What they doing is illegal under art 1, sec 10, par 1 of the constitution. Their fraud makes the signature agreement null & void period. Fraud trumps any contract. And where is the banks signature? 

i never got the two copies of the rights i have so this is fraud. i am contacting the bank and gathering evidence for possible litigation. 

12 CFR 226.15 - Right of rescission. i after sending you notice of Rescission will discontinue to make payments of the car. if this car is not removed from my credit report i will seek remedy for damages. i never gave Permissible purposes 15 U.S. Code 1681b - Permissible purposes of consumer reports to disclose any of this information on my credit report. there are many violations. 

i will be sending formal letters certified mail. 

CC : CFPB CC : FTC CC : ATTORNEY GENERAL OFFICE CC : XXXX